/* =============================================
       CSS VARIABLES
    ============================================= */
    :root {
      --gold: #d4af37;
      --gold-light: #f4c95d;
      --gold-dark: #b8962f;
      --primary: #1a1a2e;
      --text-dark: #2d2d2d;
      --text-muted: #6b7280;
      --bg-light: #f9fafb;
      --bg-white: #ffffff;
      --border-light: #e5e7eb;
      --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
      --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
      --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
      --radius: 12px;
      --radius-lg: 16px;
      --transition: all 0.3s ease;
      --green: #10b981;
      --green-light: #d1fae5;
    }

/* =============================================
       RESET & BASE STYLES
    ============================================= */
    *, *::before, *::after {
      box-sizing: border-box;
      margin: 0;
      padding: 0;
    }

html {
      scroll-behavior: smooth;
    }

body {
      font-family: 'Poppins', sans-serif;
      font-size: 16px;
      line-height: 1.6;
      color: var(--text-dark);
      background-color: var(--bg-light);
      min-height: 100vh;
    }

h1, h2, h3, h4, h5, h6 {
      font-family: 'Playfair Display', serif;
      font-weight: 600;
      line-height: 1.3;
    }

img {
      max-width: 100%;
      height: auto;
    }

a {
      text-decoration: none;
      color: inherit;
    }

button {
      cursor: pointer;
      font-family: inherit;
    }

/* =============================================
       CONTAINER
    ============================================= */
    .container {
      width: 100%;
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 20px;
    }

/* =============================================
       HEADER
    ============================================= */
    .header {
      background: var(--bg-white);
      box-shadow: 0 1px 3px rgba(0, 0, 0, 0.08);
      position: sticky;
      top: 0;
      z-index: 1000;
    }

.header__inner {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 16px 0;
    }

.logo {
      font-family: 'Playfair Display', serif;
      font-size: 1.5rem;
      font-weight: 700;
      color: var(--primary);
    }

.logo span {
      color: var(--gold);
    }

.nav {
      display: none;
    }

.nav--active {
      display: flex;
      flex-direction: column;
      position: absolute;
      top: 100%;
      left: 0;
      right: 0;
      background: var(--bg-white);
      box-shadow: var(--shadow);
      padding: 20px;
      gap: 16px;
    }

.nav__link {
      font-size: 0.95rem;
      font-weight: 500;
      color: var(--text-dark);
      padding: 8px 0;
      transition: var(--transition);
    }

.nav__link:hover {
      color: var(--gold);
    }

.hamburger {
      display: flex;
      flex-direction: column;
      gap: 5px;
      background: none;
      border: none;
      padding: 8px;
    }

.hamburger__line {
      width: 24px;
      height: 2px;
      background: var(--text-dark);
      border-radius: 2px;
      transition: var(--transition);
    }

.hamburger--active .hamburger__line:nth-child(1) {
      transform: rotate(45deg) translate(5px, 5px);
    }

.hamburger--active .hamburger__line:nth-child(2) {
      opacity: 0;
    }

.hamburger--active .hamburger__line:nth-child(3) {
      transform: rotate(-45deg) translate(5px, -5px);
    }

/* =============================================
       HERO SECTION
    ============================================= */
    .hero {
      background: linear-gradient(135deg, #ffffff 0%, #f9f3dd 50%, rgba(244, 201, 93, 0.12) 100%);
      padding: 40px 0 60px;
      position: relative;
      overflow: hidden;
    }

.hero::before {
      content: '';
      position: absolute;
      top: -50%;
      right: -20%;
      width: 600px;
      height: 600px;
      background: radial-gradient(circle, rgba(212, 175, 55, 0.08) 0%, transparent 70%);
      border-radius: 50%;
    }

.hero__inner {
      display: flex;
      flex-direction: column;
      gap: 40px;
      position: relative;
      z-index: 1;
    }

.hero__content {
      text-align: center;
    }

.hero__badge {
      display: inline-block;
      background: linear-gradient(135deg, var(--gold), var(--gold-light));
      color: var(--bg-white);
      font-size: 0.75rem;
      font-weight: 600;
      padding: 6px 16px;
      border-radius: 50px;
      margin-bottom: 20px;
      text-transform: uppercase;
      letter-spacing: 0.5px;
    }

.hero__title {
      font-size: 2rem;
      color: var(--primary);
      margin-bottom: 16px;
    }

.hero__subtitle {
      font-size: 1rem;
      color: var(--text-muted);
      max-width: 500px;
      margin: 0 auto 24px;
    }

.hero__cta {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      background: linear-gradient(135deg, var(--gold), var(--gold-dark));
      color: var(--bg-white);
      font-size: 0.95rem;
      font-weight: 600;
      padding: 14px 28px;
      border-radius: 50px;
      border: none;
      box-shadow: 0 4px 14px rgba(212, 175, 55, 0.4);
      transition: var(--transition);
    }

.hero__cta:hover {
      transform: translateY(-2px);
      box-shadow: 0 6px 20px rgba(212, 175, 55, 0.5);
    }

.hero__cta svg {
      width: 20px;
      height: 20px;
    }

/* =============================================
       INFO CARD
    ============================================= */
    .info-card {
      background: var(--bg-white);
      border-radius: var(--radius-lg);
      padding: 24px;
      box-shadow: var(--shadow);
      border: 1px solid var(--border-light);
      margin-bottom: 30px;
    }

.info-card__header {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 16px;
    }

.info-card__icon {
      width: 40px;
      height: 40px;
      background: linear-gradient(135deg, rgba(212, 175, 55, 0.15), rgba(212, 175, 55, 0.05));
      border-radius: 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--gold);
    }

.info-card__title {
      font-size: 1.1rem;
      color: var(--primary);
    }

.info-card__list {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 10px;
    }

.info-card__item {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      font-size: 0.9rem;
      color: var(--text-muted);
    }

.info-card__item::before {
      content: '✓';
      color: var(--gold);
      font-weight: 700;
      flex-shrink: 0;
    }
/* =============================================
   STEP PROGRESS INDICATOR
============================================= */
.step-progress {
  margin-bottom: 24px;
  padding: 0 4px;
}

.step-progress__bar {
  height: 4px;
  background: #e5e7eb;
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 16px;
}

.step-progress__fill {
  height: 100%;
  width: 25%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 4px;
  transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.step-progress__steps {
  display: flex;
  justify-content: space-between;
}

.step-progress__step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  opacity: 0.4;
  transition: all 0.3s ease;
}

.step-progress__step--active,
.step-progress__step--completed {
  opacity: 1;
}

.step-progress__step--completed .step-progress__number {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #fff;
  border-color: var(--gold);
}

.step-progress__number {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid #e5e7eb;
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-muted);
  transition: all 0.3s ease;
}

.step-progress__step--active .step-progress__number {
  border-color: var(--gold);
  color: var(--gold-dark);
  box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.15);
}

.step-progress__label {
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--text-muted);
  text-align: center;
}

.step-progress__step--active .step-progress__label {
  color: var(--gold-dark);
  font-weight: 600;
}

/* =============================================
   FORM STEP VISIBILITY
============================================= */
.form-step {
  display: block;
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.4s ease, transform 0.4s ease;
}

.form-step--hidden {
  display: none;
  opacity: 0;
  transform: translateY(20px);
}

.form-step--entering {
  display: block;
  animation: stepSlideIn 0.4s cubic-bezier(0.4, 0, 0.2, 1) forwards;
}

@keyframes stepSlideIn {
  0% { opacity: 0; transform: translateY(20px); }
  100% { opacity: 1; transform: translateY(0); }
}

/* =============================================
   FORM STEP VISIBILITY
============================================= */
.form-step {
  display: block;
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.4s ease, transform 0.4s ease;
}

.form-step--hidden {
  display: none;
  opacity: 0;
  transform: translateY(20px);
}

.form-step--entering {
  display: block;
  animation: stepSlideIn 0.4s cubic-bezier(0.4, 0, 0.2, 1) forwards;
}

.form-step--exiting {
  animation: stepSlideOut 0.3s cubic-bezier(0.4, 0, 0.2, 1) forwards;
}

@keyframes stepSlideIn {
  0% {
    opacity: 0;
    transform: translateY(20px);
  }
  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes stepSlideOut {
  0% {
    opacity: 1;
    transform: translateY(0);
  }
  100% {
    opacity: 0;
    transform: translateY(-10px);
  }
}
/* =============================================
   STEP NAVIGATION
============================================= */
.step-nav {
  display: flex;
  gap: 12px;
  margin-top: 8px;
}

.step-next-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 16px 28px;
  font-size: 1rem;
  font-weight: 600;
  font-family: inherit;
  color: #fff;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border: none;
  border-radius: 12px;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(212, 175, 55, 0.35);
  transition: all 0.3s ease;
}

.step-next-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(212, 175, 55, 0.45);
}

.step-next-btn:hover svg {
  transform: translateX(4px);
}

.step-next-btn svg {
  transition: transform 0.3s ease;
}

.step-back-btn {
  flex: 0 0 auto;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 16px 24px;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: inherit;
  color: var(--text-muted);
  background: #f3f3f3;
  border: 2px solid #e1e1e1;
  border-radius: 12px;
  cursor: pointer;
  transition: all 0.3s ease;
}

.step-back-btn:hover {
  background: #eaeaea;
  color: var(--text-dark);
}

.step-back-btn:hover svg {
  transform: translateX(-4px);
}

.step-back-btn svg {
  transition: transform 0.3s ease;
}

.step-nav .step-next-btn,
.step-nav .btn-calculate {
  flex: 1;
}

/* =============================================
   ERROR SHAKE
============================================= */
@keyframes errorShake {
  0%, 100% { transform: translateX(0); }
  20%, 60% { transform: translateX(-6px); }
  40%, 80% { transform: translateX(6px); }
}

.form-group--error {
  animation: errorShake 0.5s ease;
}

.form-group--error .pill-selector {
  padding: 4px;
  border-radius: 44px;
  border: 2px solid #ef4444;
  margin: -4px;
}

/* =============================================
   MOBILE RESPONSIVE
============================================= */
@media (max-width: 480px) {
  .step-progress__label {
    font-size: 0.6rem;
  }

.step-progress__number {
    width: 26px;
    height: 26px;
    font-size: 0.7rem;
  }

.pill-selector--3col .pill-btn,
  .pill-selector--4col .pill-btn {
    flex: 1 1 calc(50% - 6px);
    min-width: 0;
    padding: 12px 10px;
    font-size: 0.75rem;
  }

.pill-btn {
    padding: 12px 14px;
    font-size: 0.8rem;
  }

.step-nav {
    flex-direction: column-reverse;
  }

.step-back-btn {
    width: 100%;
    justify-content: center;
  }
}
/* =============================================
       CALCULATOR CARD
    ============================================= */
    .calculator {
      background: var(--bg-white);
      border-radius: var(--radius-lg);
      padding: 28px 24px;
      box-shadow: var(--shadow-xl);
      border: 1px solid var(--border-light);
    }

.calculator__title {
      font-size: 1.4rem;
      color: var(--primary);
      margin-bottom: 24px;
      text-align: center;
    }

/* =============================================
   FORM CARD
============================================= */
.form-card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06), 0 4px 24px rgba(0, 0, 0, 0.04);
  margin-bottom: 20px;
  overflow: hidden;
  border: 1px solid rgba(212, 175, 55, 0.08);
}

.form-card__header {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  padding: 16px 22px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.form-card__icon {
  width: 40px;
  height: 40px;
  background: rgba(255, 255, 255, 0.2);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  flex-shrink: 0;
}

.form-card__title {
  font-family: 'Poppins', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: #fff;
  margin: 0;
}

.form-card__body {
  padding: 22px;
}
/* =============================================
   FORM INPUTS
============================================= */
.form-group {
  margin-bottom: 20px;
}

.form-group:last-child {
  margin-bottom: 0;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}

.form-label span {
  color: #ef4444;
}

.input-wrapper {
  position: relative;
  display: flex;
}

.input-prefix {
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  display: flex;
  align-items: center;
  padding: 0 16px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gold-dark);
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.1), rgba(212, 175, 55, 0.05));
  border-radius: 12px 0 0 12px;
  border: 2px solid #e1e1e1;
  border-right: none;
}

.form-input,
.form-select {
  width: 100%;
  padding: 14px 16px;
  font-size: 1rem;
  font-family: inherit;
  font-weight: 500;
  color: var(--text-dark);
  background: #fff;
  border: 2px solid #e1e1e1;
  border-radius: 12px;
  transition: all 0.25s ease;
  appearance: none;
}

.form-input--prefixed {
  padding-left: 70px;
}

.form-input--uppercase {
  text-transform: uppercase;
}

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.12);
}

.form-input:disabled,
.form-select:disabled {
  background: #f3f3f3;
  cursor: not-allowed;
  opacity: 0.7;
}

.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23d4af37' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 50px;
  cursor: pointer;
}

.form-help {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 8px;
}

.form-error {
  font-size: 0.8rem;
  color: #ef4444;
  margin-top: 8px;
  display: none;
  padding: 8px 12px;
  background: rgba(239, 68, 68, 0.08);
  border-radius: 8px;
}

.form-error--visible {
  display: block;
}

.form-input--error,
.form-select--error {
  border-color: #ef4444 !important;
}

/* =============================================
   ROAD TAX CARD STYLING
============================================= */
.roadtax-card {
  border: 2px solid rgba(212, 175, 55, 0.2);
}

.roadtax-card__header {
  display: flex;
  align-items: center;
  gap: 12px;
}

.roadtax-card__header-content {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}

.roadtax-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 12px;
  background: rgba(255, 255, 255, 0.2);
  border-radius: 20px;
  font-size: 0.7rem;
  font-weight: 600;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* =============================================
   ROAD TAX INFO BANNER
============================================= */
.roadtax-info-banner {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px;
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.08) 0%, rgba(212, 175, 55, 0.02) 100%);
  border: 2px solid rgba(212, 175, 55, 0.15);
  border-radius: 14px;
  margin-bottom: 24px;
}

.roadtax-info-banner__icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(212, 175, 55, 0.3);
}

.roadtax-info-banner__content {
  flex: 1;
}

.roadtax-info-banner__rate {
  text-align: right;
}

.roadtax-info-banner__label {
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.roadtax-info-banner__value {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-dark);
}

.roadtax-info-banner__value--gold {
  color: var(--gold-dark);
  font-size: 1.5rem;
}

/* =============================================
   PILL SELECTOR BUTTONS
============================================= */
.pill-selector {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.pill-selector--3col .pill-btn {
  flex: 1 1 calc(33.333% - 8px);
  min-width: 100px;
}

.pill-selector--4col .pill-btn {
  flex: 1 1 calc(25% - 9px);
  min-width: 80px;
}

.pill-btn {
  flex: 1;
  min-width: 120px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 16px;
  background: #f3f3f3;
  border: 2px solid #e1e1e1;
  border-radius: 40px;
  cursor: pointer;
  font-size: 0.85rem;
  font-weight: 600;
  font-family: inherit;
  color: var(--text-muted);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.pill-btn svg {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  opacity: 0.6;
  transition: all 0.3s ease;
}

.pill-btn:hover {
  border-color: var(--gold-light);
  background: rgba(212, 175, 55, 0.08);
  color: var(--gold-dark);
  transform: translateY(-2px);
}

.pill-btn:hover svg {
  opacity: 0.9;
  color: var(--gold);
}

.pill-btn.active {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-color: var(--gold);
  color: #fff;
  box-shadow: 0 4px 16px rgba(212, 175, 55, 0.4);
}

.pill-btn.active svg {
  opacity: 1;
  color: #fff;
}

/* Pill Group (Radio Style) */
.pill-group {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.pill-option {
  flex: 1;
  min-width: 140px;
}

.pill-option input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.pill-option label {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 20px;
  background: #f3f3f3;
  border: 2px solid #e1e1e1;
  border-radius: 40px;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-muted);
  transition: all 0.3s ease;
}

.pill-option input:checked + label {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-color: var(--gold);
  color: #fff;
  box-shadow: 0 4px 14px rgba(212, 175, 55, 0.35);
}

.pill-option input:checked + label svg {
  color: #fff;
}

/* =============================================
   PILL BUTTON VARIANTS FOR ROAD TAX
============================================= */
.pill-btn--large {
  flex-direction: column;
  padding: 18px 16px;
  gap: 4px;
}

.pill-btn--large .pill-btn__main {
  font-size: 0.95rem;
  font-weight: 700;
}

.pill-btn--large .pill-btn__sub {
  font-size: 0.7rem;
  font-weight: 500;
  opacity: 0.7;
}

.pill-btn--muted {
  background: #f0f0f0;
  border-color: #ddd;
}

.pill-btn--muted:hover {
  background: #e8e8e8;
}

.pill-btn__text {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
}

.pill-btn__main {
  font-weight: 600;
  font-size: 0.9rem;
}

.pill-btn__sub {
  font-size: 0.7rem;
  opacity: 0.7;
}

.pill-btn__sub--fee {
  color: var(--gold-dark);
  font-weight: 600;
  opacity: 1;
}

.pill-btn.active .pill-btn__sub--fee {
  color: #fff;
}

/* =============================================
   ROAD TAX SUMMARY CARD
============================================= */
.roadtax-summary {
  background: #fff;
  border: 2px solid #e5e7eb;
  border-radius: 16px;
  overflow: hidden;
  margin-top: 24px;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.06);
}

.roadtax-summary__header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 20px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #fff;
  font-weight: 600;
  font-size: 0.95rem;
}

.roadtax-summary__body {
  padding: 20px;
}

.roadtax-summary__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
}

.roadtax-summary__row:first-child {
  padding-top: 0;
}

.roadtax-summary__label {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.roadtax-summary__value {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
}

.roadtax-summary__divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, #e5e7eb, transparent);
  margin: 12px 0;
}

.roadtax-summary__row--total {
  padding-top: 12px;
  padding-bottom: 0;
}

.roadtax-summary__row--total .roadtax-summary__label {
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
}

.roadtax-summary__value--total {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--gold-dark);
}

.roadtax-summary__footer {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 20px;
  background: #fef3cd;
  color: #856404;
  font-size: 0.85rem;
  font-weight: 500;
}

.roadtax-summary--skipped {
  opacity: 0.6;
}

.roadtax-summary--skipped .roadtax-summary__header {
  background: #9ca3af;
}

/* Hidden state for optional rows */
.roadtax-summary__row--hidden {
  display: none;
}

/* =============================================
   TOGGLE CARD
============================================= */
.toggle-card {
  margin-bottom: 16px;
}

.toggle-card:last-of-type {
  margin-bottom: 0;
}

.toggle-card__input {
  position: absolute;
  opacity: 0;
}

.toggle-card__label {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px;
  background: #f3f3f3;
  border: 2px solid #e1e1e1;
  border-radius: 14px;
  cursor: pointer;
  transition: all 0.3s ease;
}

.toggle-card__label:hover {
  border-color: var(--gold-light);
}

.toggle-card__input:checked + .toggle-card__label {
  background: rgba(212, 175, 55, 0.05);
  border-color: var(--gold);
}

.toggle-card__icon {
  width: 48px;
  height: 48px;
  background: rgba(212, 175, 55, 0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
  transition: all 0.3s ease;
}

.toggle-card__input:checked + .toggle-card__label .toggle-card__icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #fff;
}

.toggle-card__content {
  flex: 1;
}

.toggle-card__title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.toggle-card__desc {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.toggle-card__switch-track {
  display: block;
  width: 52px;
  height: 28px;
  background: #e1e1e1;
  border-radius: 50px;
  position: relative;
  transition: all 0.3s ease;
}

.toggle-card__switch-track::after {
  content: '';
  position: absolute;
  top: 3px;
  left: 3px;
  width: 22px;
  height: 22px;
  background: #fff;
  border-radius: 50%;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.15);
  transition: all 0.3s ease;
}

.toggle-card__input:checked + .toggle-card__label .toggle-card__switch-track {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
}

.toggle-card__input:checked + .toggle-card__label .toggle-card__switch-track::after {
  transform: translateX(24px);
}

/* =============================================
   COLLAPSIBLE FIELD
============================================= */
.collapsible-field {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: all 0.4s ease;
}

.collapsible-field--visible {
  max-height: 200px;
  opacity: 1;
  margin-top: 16px;
  padding: 16px;
  background: rgba(212, 175, 55, 0.04);
  border-radius: 12px;
  border: 1px dashed rgba(212, 175, 55, 0.3);
}

/* =============================================
   CALCULATE BUTTON (Enhanced)
============================================= */
.btn-calculate {
  width: 100%;
  padding: 18px 28px;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--bg-white);
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border: none;
  border-radius: 14px;
  box-shadow: 0 6px 20px rgba(212, 175, 55, 0.4);
  transition: all 0.3s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-top: 8px;
}

.btn-calculate svg {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
}

.btn-calculate:hover:not(:disabled) {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(212, 175, 55, 0.5);
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
}

.btn-calculate:active:not(:disabled) {
  transform: translateY(-1px);
}

.btn-calculate:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}

/* =============================================
   ADDON SECTION (For Collapsible State)
============================================= */
.addon-section {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

.addon-section__title {
  display: none;
}

/* =============================================
   CHECKBOX OPTION (Legacy Support)
============================================= */
.checkbox-option {
  display: none;
}

.checkbox-option--active {
  display: none;
}

/* =============================================
   RADIO GROUP (Legacy Support - Hidden)
============================================= */
.radio-group {
  display: none;
}

/* =============================================
   MOBILE RESPONSIVE
============================================= */
@media (max-width: 480px) {
  .form-card__body {
    padding: 18px 16px;
  }

.form-card__header {
    padding: 14px 16px;
  }

.form-card__icon {
    width: 36px;
    height: 36px;
  }

.form-card__title {
    font-size: 0.9rem;
  }

.pill-group,
  .pill-selector {
    flex-direction: column;
  }

.pill-option,
  .pill-btn {
    min-width: 100%;
  }

.pill-option label,
  .pill-btn {
    padding: 14px 16px;
    font-size: 0.85rem;
  }

.toggle-card__label {
    padding: 14px 16px;
    gap: 12px;
  }

.toggle-card__icon {
    width: 42px;
    height: 42px;
  }

.toggle-card__icon svg {
    width: 20px;
    height: 20px;
  }

.toggle-card__title {
    font-size: 0.9rem;
  }

.toggle-card__desc {
    font-size: 0.75rem;
  }

.toggle-card__switch-track {
    width: 46px;
    height: 24px;
  }

.toggle-card__switch-track::after {
    width: 18px;
    height: 18px;
  }

.toggle-card__input:checked + .toggle-card__label .toggle-card__switch-track::after {
    transform: translateX(22px);
  }

.form-input,
  .form-select {
    padding: 14px 16px;
    font-size: 0.95rem;
  }

.form-input--prefixed {
    padding-left: 65px;
  }

.input-prefix {
    padding: 0 14px;
    font-size: 0.85rem;
  }

.btn-calculate {
    padding: 16px 24px;
    font-size: 1rem;
  }

.collapsible-field--visible {
    padding: 14px;
    margin-top: 14px;
  }
}

@media (min-width: 768px) {
  .form-card__body {
    padding: 24px 22px;
  }

.form-card__header {
    padding: 18px 22px;
  }

.form-card__title {
    font-size: 1.05rem;
  }

.form-input,
  .form-select {
    padding: 16px 18px;
  }

.form-input--prefixed {
    padding-left: 75px;
  }
}

/* =============================================
   MOBILE RESPONSIVE FOR ROAD TAX
============================================= */
@media (max-width: 480px) {
  .roadtax-info-banner {
    flex-direction: column;
    text-align: center;
    gap: 12px;
    padding: 16px;
  }

.roadtax-info-banner__rate {
    text-align: center;
    width: 100%;
    padding-top: 12px;
    border-top: 1px dashed rgba(212, 175, 55, 0.3);
  }

.roadtax-info-banner__value--gold {
    font-size: 1.3rem;
  }

.pill-btn--large {
    padding: 14px 12px;
  }

.pill-btn--large .pill-btn__main {
    font-size: 0.85rem;
  }

.roadtax-summary__value--total {
    font-size: 1.2rem;
  }

.roadtax-badge {
    font-size: 0.6rem;
    padding: 3px 8px;
  }
}

/* =============================================
       RESULT PANEL
    ============================================= */
    .result {
      margin-top: 24px;
      padding-top: 24px;
      border-top: 1px dashed var(--border-light);
    }

.result__placeholder {
      text-align: center;
      padding: 30px 20px;
      color: var(--text-muted);
      font-size: 0.9rem;
    }

.result__placeholder svg {
      width: 48px;
      height: 48px;
      color: var(--border-light);
      margin-bottom: 12px;
    }

.result__content {
      display: none;
    }

.result__content--visible {
      display: block;
      animation: fadeIn 0.4s ease;
    }

@keyframes fadeIn {
      from { opacity: 0; transform: translateY(10px); }
      to { opacity: 1; transform: translateY(0); }
    }

.result__title {
      font-size: 1.1rem;
      color: var(--primary);
      margin-bottom: 16px;
      text-align: center;
    }

.result__section {
      margin-bottom: 16px;
    }

.result__section-title {
      font-size: 0.8rem;
      font-weight: 600;
      color: var(--text-muted);
      text-transform: uppercase;
      letter-spacing: 0.5px;
      margin-bottom: 8px;
      padding-bottom: 6px;
      border-bottom: 1px solid var(--border-light);
    }

.result__row {
      display: flex;
      justify-content: space-between;
      padding: 8px 0;
      font-size: 0.9rem;
    }

.result__label {
      color: var(--text-muted);
    }

.result__value {
      font-weight: 500;
      color: var(--text-dark);
    }

.result__value--discount {
      color: var(--green);
    }

.result__value--addon {
      color: var(--gold-dark);
    }

.result__total {
      background: linear-gradient(135deg, rgba(212, 175, 55, 0.1), rgba(212, 175, 55, 0.05));
      border-radius: var(--radius);
      padding: 20px;
      margin: 20px 0;
      text-align: center;
    }

.result__total-label {
      font-size: 0.85rem;
      color: var(--text-muted);
      margin-bottom: 4px;
    }

.result__total-value {
      font-family: 'Playfair Display', serif;
      font-size: 2rem;
      font-weight: 700;
      color: var(--gold-dark);
    }

.result__monthly {
      text-align: center;
      font-size: 0.95rem;
      color: var(--text-dark);
      margin-bottom: 16px;
    }

.result__monthly strong {
      color: var(--gold-dark);
    }

.result__coverage-info {
      background: var(--bg-light);
      border-radius: var(--radius);
      padding: 12px 16px;
      margin-bottom: 16px;
    }

.result__coverage-row {
      display: flex;
      justify-content: space-between;
      font-size: 0.85rem;
      padding: 4px 0;
    }

.result__coverage-label {
      color: var(--text-muted);
    }

.result__coverage-value {
      font-weight: 500;
      color: var(--text-dark);
    }

.result__disclaimer {
      font-size: 0.75rem;
      color: var(--text-muted);
      text-align: center;
      padding: 12px;
      background: var(--bg-light);
      border-radius: var(--radius);
      line-height: 1.5;
    }

.result__cta {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      width: 100%;
      margin-top: 20px;
      padding: 14px 24px;
      font-size: 0.95rem;
      font-weight: 600;
      color: var(--bg-white);
      background: #25d366;
      border: none;
      border-radius: var(--radius);
      transition: var(--transition);
    }

.result__cta:hover {
      background: #20bd5a;
      transform: translateY(-2px);
    }

.result__cta svg {
      width: 20px;
      height: 20px;
    }

.collapsible {
  border-bottom: 1px solid #ddd;
  margin-bottom: 12px;
}

.collapsible-header {
  width: 100%;
  background: #f6f6f6;
  padding: 12px 14px;
  border: none;
  font-size: 15px;
  font-weight: 600;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  border-radius: 6px;
}

.collapsible-header .arrow {
  transition: transform 0.25s ease;
  display: inline-block;
}

.collapsible-header.active .arrow {
  transform: rotate(90deg);
}

.collapsible-body {
  display: none;
  padding: 10px 14px;
  background: #ffffff;
}

/* =============================================
       BENEFITS SECTION
    ============================================= */
    .benefits {
      padding: 60px 0;
      background: var(--bg-white);
    }

.benefits__title {
      font-size: 1.75rem;
      color: var(--primary);
      text-align: center;
      margin-bottom: 40px;
    }

.benefits__grid {
      display: grid;
      grid-template-columns: 1fr;
      gap: 24px;
    }

.benefit-card {
      background: var(--bg-light);
      border-radius: var(--radius-lg);
      padding: 28px 24px;
      text-align: center;
      transition: var(--transition);
      border: 1px solid transparent;
    }

.benefit-card:hover {
      transform: translateY(-4px);
      box-shadow: var(--shadow-lg);
      border-color: rgba(212, 175, 55, 0.2);
    }

.benefit-card__icon {
      width: 60px;
      height: 60px;
      background: linear-gradient(135deg, rgba(212, 175, 55, 0.15), rgba(212, 175, 55, 0.05));
      border-radius: 16px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 16px;
      font-size: 1.75rem;
    }

.benefit-card__title {
      font-size: 1.1rem;
      color: var(--primary);
      margin-bottom: 8px;
    }

.benefit-card__desc {
      font-size: 0.9rem;
      color: var(--text-muted);
      line-height: 1.6;
    }

/* =============================================
       FOOTER
    ============================================= */
    .footer {
      background: var(--bg-white);
      border-top: 1px solid var(--border-light);
      padding: 30px 0;
    }

.footer__inner {
      text-align: center;
    }

.footer__copyright {
      font-size: 0.875rem;
      color: var(--text-dark);
      margin-bottom: 8px;
    }

.footer__disclaimer {
      font-size: 0.75rem;
      color: var(--text-muted);
      margin-bottom: 16px;
    }

.footer__links {
      display: flex;
      justify-content: center;
      gap: 24px;
    }

.footer__link {
      font-size: 0.8rem;
      color: var(--text-muted);
      transition: var(--transition);
    }

.footer__link:hover {
      color: var(--gold);
    }

/* =============================================
       MEDIA QUERIES
    ============================================= */
    @media (min-width: 640px) {
      .benefits__grid {
        grid-template-columns: repeat(2, 1fr);
      }
    }

@media (min-width: 768px) {
      .hero {
        padding: 60px 0 80px;
      }

.hero__title {
        font-size: 2.5rem;
      }

.hero__subtitle {
        font-size: 1.1rem;
      }

.calculator {
        padding: 36px 32px;
      }

.benefits__title {
        font-size: 2rem;
      }
    }

@media (min-width: 1024px) {
      .nav {
        display: flex;
        gap: 32px;
      }

.hamburger {
        display: none;
      }

.hero__inner {
        flex-direction: row;
        align-items: flex-start;
        gap: 60px;
      }

.hero__content {
        flex: 1;
        text-align: left;
        position: sticky;
        top: 100px;
      }

.hero__subtitle {
        margin: 0 0 24px 0;
      }

.hero__calculator {
        flex: 1;
        max-width: 520px;
      }

.hero__title {
        font-size: 2.75rem;
      }

.benefits__grid {
        grid-template-columns: repeat(4, 1fr);
      }

.benefit-card {
        padding: 32px 20px;
      }
    }

@media (min-width: 1200px) {
      .hero__title {
        font-size: 3rem;
      }
    }