.funnel-layout {
  background:
    radial-gradient(900px 500px at 5% 10%, rgba(35, 72, 134, 0.22), rgba(35, 72, 134, 0)),
    radial-gradient(800px 460px at 95% 90%, rgba(35, 72, 134, 0.12), rgba(35, 72, 134, 0)),
    #f7faff;
}

.refinancing-funnel-shell {
  min-height: 100vh;
  padding: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.refinancing-funnel-overlay {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(160deg, rgba(255, 255, 255, 0.35), rgba(255, 255, 255, 0.12));
}

.refinancing-funnel-wrap {
  position: relative;
  width: 100%;
  max-width: 900px;
}

.funnel-progress-panel {
  border: 1px solid rgba(15, 23, 42, 0.1);
  background: rgba(255, 255, 255, 0.9);
  border-radius: 18px;
  padding: 0.875rem 1rem;
  margin-bottom: 0.75rem;
  backdrop-filter: blur(10px);
}

.funnel-progress-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
}

.funnel-logo-link {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}

.funnel-logo {
  width: auto;
  height: 34px;
}

.funnel-step-count {
  color: rgba(15, 23, 42, 0.7);
  font-size: 0.875rem;
  font-weight: 700;
}

.funnel-progress-track {
  width: 100%;
  height: 8px;
  border-radius: 999px;
  background: rgba(35, 72, 134, 0.13);
  margin-top: 0.625rem;
}

.funnel-progress-value {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, #234886, #2f5fb3);
  transition: width 180ms ease;
}

.funnel-card {
  border: 1px solid rgba(15, 23, 42, 0.1);
  background: rgba(255, 255, 255, 0.94);
  border-radius: 28px;
  padding: 1.5rem;
  box-shadow: 0 30px 60px rgba(15, 23, 42, 0.1);
  backdrop-filter: blur(10px);
}

.funnel-step {
  min-height: 360px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.funnel-kicker {
  margin: 0 0 0.5rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 800;
  font-size: 0.75rem;
  color: rgba(15, 23, 42, 0.62);
}

.funnel-title {
  margin: 0;
  font-size: 2rem;
  line-height: 1.1;
  letter-spacing: -0.5px;
  color: #0f172a;
  font-weight: 900;
}

.funnel-description {
  margin: 0.875rem 0 0;
  font-size: 1rem;
  line-height: 1.55;
  color: rgba(15, 23, 42, 0.72);
  max-width: 56ch;
}

.funnel-trust-list {
  margin: 1rem 0 0;
  padding-left: 1.1rem;
  color: rgba(15, 23, 42, 0.78);
  list-style: disc;
}

.funnel-trust-list li + li {
  margin-top: 0.45rem;
}

.funnel-field-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.875rem;
  margin-top: 1rem;
}

.funnel-label {
  display: block;
  margin-bottom: 0.45rem;
  font-weight: 800;
  font-size: 0.75rem;
  color: rgba(15, 23, 42, 0.84);
}

.funnel-input {
  width: 100%;
  border: 1px solid rgba(15, 23, 42, 0.15);
  border-radius: 14px;
  padding: 0.82rem 0.9rem;
  font-size: 1rem;
  color: #0f172a;
  background: #fff;
  outline: none;
}

.funnel-input:focus {
  border-color: rgba(35, 72, 134, 0.55);
  box-shadow: 0 0 0 4px rgba(35, 72, 134, 0.12);
}

.funnel-summary {
  margin-top: 1rem;
  border: 1px solid rgba(15, 23, 42, 0.09);
  border-radius: 14px;
  padding: 0.875rem;
  background: #f8fafc;
  color: rgba(15, 23, 42, 0.8);
}

.funnel-summary p + p {
  margin-top: 0.45rem;
}

.funnel-disclaimer {
  margin: 1rem 0 0;
  font-size: 0.75rem;
  line-height: 1.45;
  color: rgba(15, 23, 42, 0.62);
}

.funnel-turnstile-wrap {
  margin-top: 1rem;
}

.funnel-error {
  margin: 0.9rem 0 0;
  color: #991b1b;
  font-size: 0.875rem;
  font-weight: 700;
}

.funnel-actions {
  margin-top: 1.2rem;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.625rem;
}

.funnel-actions-center {
  justify-content: center;
}

.funnel-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  border-radius: 14px;
  padding: 0.76rem 1.25rem;
  font-size: 1rem;
  font-weight: 800;
  border: 1px solid transparent;
  transition: filter 150ms ease, background 150ms ease;
}

.funnel-btn:disabled {
  opacity: 0.55;
  cursor: not-allowed;
}

.funnel-btn-primary {
  background: #234886;
  color: #fff;
  box-shadow: 0 14px 30px rgba(35, 72, 134, 0.25);
}

.funnel-btn-primary:hover {
  filter: brightness(1.04);
}

.funnel-btn-secondary {
  background: #fff;
  border-color: rgba(15, 23, 42, 0.14);
  color: rgba(15, 23, 42, 0.78);
}

.funnel-btn-secondary:hover {
  background: #f8fafc;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

@media (min-width: 768px) {
  .refinancing-funnel-shell {
    padding: 2rem;
  }

  .funnel-card {
    padding: 2rem;
  }

  .funnel-title {
    font-size: 2.5rem;
  }

  .funnel-field-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}