/* ============================================================
   Van Hermann Capital - Application Form
   Base styles
   ============================================================ */
:root {
  --color-primary: #103d3a;
  --color-primary-light: #163a63;
  --color-accent: #103d3a;
  --color-bg: #f4f6f9;
  --color-card: #ffffff;
  --color-border: #d9dee5;
  --color-text: #1f2937;
  --color-muted: #6b7280;
  --color-error: #c0392b;
  --radius: 6px;
  --shadow: 0 2px 10px rgba(15, 30, 60, 0.08);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Segoe UI", Arial, Helvetica, sans-serif;
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.5;
}

.app-wrapper {
  max-width: 900px;
  margin: 0 auto;
  padding: 24px 16px 64px;
}

.app-header {
  margin-bottom: 24px;
}

.progress-bar {
  background: var(--color-border);
  border-radius: 999px;
  height: 8px;
  overflow: hidden;
}

.progress-bar-fill {
  height: 100%;
  width: 12.5%;
  background: var(--color-accent);
  transition: width 0.3s ease;
}

form#applicationForm {
  background: var(--color-card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
}

.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.25s ease; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

h2 {
  font-size: 1.25rem;
  color: var(--color-primary);
  border-bottom: 2px solid var(--color-accent);
  padding-bottom: 8px;
  margin: 0 0 20px;
}

h3 {
  font-size: 1rem;
  color: var(--color-primary-light);
  margin: 0 0 12px;
}

/* ---------- Account type cards ---------- */
.account-type-options {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.account-type-card {
  position: relative;
  display: flex;
  flex-direction: column;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 20px 44px 20px 20px;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
}

.account-type-card:hover {
  border-color: var(--color-primary-light);
  box-shadow: var(--shadow);
}

.account-type-card .card-title {
  display: block;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--color-primary);
  margin-bottom: 8px;
}

.account-type-card .card-desc {
  display: block;
  font-size: 0.85rem;
  color: var(--color-muted);
  line-height: 1.45;
}

.account-type-card .card-chevron {
  position: absolute;
  right: 16px;
  bottom: 14px;
  font-size: 1.4rem;
  line-height: 1;
  color: var(--color-primary);
}

.account-type-card:has(input:checked) {
  border-color: var(--color-accent);
  background: #fbf7ec;
}

/* ---------- Generic field grid ---------- */
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px 20px;
}

.form-field { display: flex; flex-direction: column; }
.form-field.span-2 { grid-column: 1 / -1; }
.form-field.span-full { grid-column: 1 / -1; }

.contact-grid {
  grid-template-columns: repeat(4, 1fr);
}
.contact-grid .form-field.col-2 { grid-column: span 2; }

.form-field label {
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--color-text);
}

.required-mark {
  color: var(--color-error);
  font-weight: 400;
  font-size: 0.75rem;
}

.req-star {
  color: var(--color-error);
  font-weight: 700;
}

.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;
}

input[type="text"],
input[type="tel"],
input[type="email"],
input[type="date"],
input[type="number"],
select,
textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-family: inherit;
  background: #fff;
  color: var(--color-text);
}

input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--color-primary-light);
  box-shadow: 0 0 0 3px rgba(22, 58, 99, 0.15);
}

input.invalid, select.invalid, textarea.invalid {
  border-color: var(--color-error);
}

.field-error {
  color: var(--color-error);
  font-size: 0.78rem;
  margin: 4px 0 0;
  min-height: 1em;
}

/* ---------- Holder columns (Joint accountholder step) ---------- */
.holder-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

fieldset.holder-block {
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 20px;
}

fieldset.holder-block legend {
  font-weight: 600;
  color: var(--color-primary);
  padding: 0 8px;
}

.joint-heading { margin-top: 28px; }

/* ---------- Radio / checkbox lists ---------- */
.radio-list, .checkbox-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.radio-list label, .checkbox-list label {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  cursor: pointer;
  font-size: 0.95rem;
}

.radio-list label:has(input:checked),
.checkbox-list label:has(input:checked) {
  border-color: var(--color-accent);
  background: #fbf7ec;
}

/* ---------- Terms box ---------- */
.terms-box {
  max-height: 260px;
  overflow-y: auto;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size: 0.85rem;
  color: var(--color-muted);
  background: #fafbfc;
  margin-bottom: 16px;
}

.terms-box li { margin-bottom: 12px; }

.terms-agree label {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  color: var(--color-primary);
}

/* ---------- Navigation ---------- */
.form-nav {
  display: flex;
  justify-content: space-between;
  margin-top: 32px;
  gap: 12px;
}

.btn {
  padding: 12px 28px;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: background 0.15s, opacity 0.15s;
}

.btn-primary {
  background: var(--color-primary);
  color: #fff;
  margin-left: auto;
}

.btn-primary:hover { background: var(--color-primary-light); }

.btn-secondary {
  background: transparent;
  color: var(--color-primary);
  border: 1px solid var(--color-border);
}

.btn-secondary:hover { background: #f0f2f5; }

.btn:disabled { opacity: 0.5; cursor: not-allowed; }

.form-message {
  margin-top: 20px;
  padding: 14px 16px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  display: none;
}

.form-message.success {
  display: block;
  background: #e9f9ee;
  color: #1e7b3d;
  border: 1px solid #b7e6c4;
}

.form-message.error {
  display: block;
  background: #fdecea;
  color: var(--color-error);
  border: 1px solid #f3c2bd;
}

/* ============================================================
   Responsive breakpoints
   ============================================================ */
@media (max-width: 860px) {
  .account-type-options { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  .form-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-grid .form-field.col-2 { grid-column: span 1; }
  .account-type-options { grid-template-columns: 1fr; }
  .holder-columns { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  form#applicationForm { padding: 20px 16px; }
  .btn { padding: 12px 18px; flex: 1; }
}