/**
 * MOF Loan System — Public Frontend Stylesheet
 * Mirrors the design from the provided HTML/CSS reference.
 */

/* ── CSS Variables (overridden by admin style settings via wp_head) ── */
@import('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;800&family=DM+Sans:wght@300;400;500;600;700&display=swap');
:root {
  --mof-primary:   #0A7A5A;
  --mof-secondary: #0D2B4E;
  --mof-accent:    #C8922A;
  --mof-radius:    10px;
  --mof-heading-font:      'PlayFlair Display', sans-serif;
  --mof-body: 'DM Sans', sans-serif;

  /* Derived */
  --mof-primary-pale: #e8f7f2;
  --mof-primary-light: #12966e;
  --mof-g50:  #F9FAFB;
  --mof-g100: #F3F4F6;
  --mof-g200: #E5E7EB;
  --mof-g300: #D1D5DB;
  --mof-g400: #9CA3AF;
  --mof-g600: #4B5563;
  --mof-g700: #374151;
  --mof-g800: #1F2937;
  --mof-shadow: 0 1px 4px rgba(0,0,0,.07);
  --mof-shadow-md: 0 4px 16px rgba(0,0,0,.1);
  --mof-ease: all .2s ease;
  --mof-rl: 14px;
}

/* ── Reset scope ── */
.mof-lf-wrap *, .mof-lp-grid * {
  box-sizing: border-box;
}

/* ═══════════════════════════════════════════
   LOAN FORM WRAPPER
═══════════════════════════════════════════ */
.mof-lf-wrap {
	width:100%;
  font-family: var(--mof-body);
  color: var(--mof-g800);
  background: var(--mof-g100);
}

/* ── Hero ── */
.mof-lf-hero {
  background: linear-gradient(135deg, var(--mof-secondary), color-mix(in srgb, var(--mof-secondary) 70%, black));
  padding: 76px 30px 68px 30px;
}

@media( max-width: 1024px ) {
	.mof-lf-hero {
		padding: 50px 20px 30px 20px;
	}
	
	p.mof-lf-hero-desc {
		font-size:15px;
		line-height:20px
	}
	
	h1.mof-lf-hero-title{
		font-size:40px;
		line-height:50px
	}
}

@media( max-width: 768px ) {
	.mof-lf-hero {
		padding: 30px 20px 30px 20px;
	}
	
	p.mof-lf-hero-desc {
		font-size:14px;
	}
	
	h1.mof-lf-hero-title{
		font-size: 25px;
		line-height: 33px
	}
}
.mof-lf-hero-inner {
  max-width: 860px;
  margin: 0 auto;
}
.mof-lf-hero-title {
  font-size: clamp(26px, 4vw, 46px);
  font-weight: 800;
  color: #fff;
  margin: 0 0 12px;
  line-height: 1.15;
  font-family: var(--mof-heading-font);
}
.mof-lf-hero-desc {
  font-size: 16px;
  color: rgba(255,255,255,.7);
  max-width: 560px;
  margin: 0;
  line-height: 1.65;
}

h1.mof-lf-hero-title{font-family: var(--mof-heading-font), sans-serif;font-size:clamp(30px,4vw,52px) !important;color:#fff;margin-bottom:14px}
p.mof-lf-hero-desc{font-size:17px;color:rgba(255,255,255,.7);max-width:600px}
.bc {
	display:flex;
	align-items:center;
	gap:8px;
	margin-bottom:20px;
	color:rgba(255,255,255,.55);
} 

.bc a {
	text-decoration:none;
	color:rgba(255,255,255,.55);
}

.bc a:hover {
	color:#fff;
}
.bc svg{width:15px;height:15px;fill:#fff}
.mof-lf-badges {
  display: flex;
  gap: 24px;
  margin-top: 24px;
  flex-wrap: wrap;
}
.mof-lf-badge {
  display: flex;
  align-items: center;
  gap: 8px;
}
.mof-lf-badge-ico {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.mof-badge-ico-green  { background: var(--mof-primary); }
.mof-badge-ico-gold   { background: var(--mof-accent); }
.mof-badge-ico-light  { background: rgba(255,255,255,.18); }
.mof-lf-badge-ico svg { width: 14px; height: 14px; fill: #fff; }
.mof-lf-badge span    { font-size: 13px; color: rgba(255,255,255,.7); }

/* ── Form body ── */
.mof-lf-body {
  max-width: 880px;
  margin: 0 auto;
  padding: 40px 20px 80px;
}

/* ── Progress ── */
.mof-prog-wrap { margin-bottom: 32px; }
.mof-prog-labels {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--mof-g400);
  margin-bottom: 7px;
}
.mof-prog-active { color: var(--mof-primary); font-weight: 700; }
.mof-prog-bar {
  height: 6px;
  background: var(--mof-g200);
  border-radius: 3px;
  overflow: hidden;
}
.mof-prog-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--mof-primary), var(--mof-primary-light));
  border-radius: 3px;
  width: 0%;
  transition: width .5s ease;
}

/* ── Prefill notice ── */
.mof-prefill-notice {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #ECFDF5;
  border: 1px solid #6EE7B7;
  border-radius: 10px;
  padding: 14px 18px;
  margin-bottom: 20px;
  font-size: 14px;
}
.mof-prefill-notice svg { width:20px; height:20px; fill:var(--mof-primary); flex-shrink:0; margin-top:1px; }
.mof-prefill-notice strong { display:block; color:var(--mof-secondary); font-weight:700; }
.mof-prefill-notice span   { color:var(--mof-g600); }

/* ── Form sections ── */
.mof-fs {
  background: #fff;
  border-radius: var(--mof-rl);
  border: 1px solid var(--mof-g200);
  margin-bottom: 18px;
  overflow: hidden;
  box-shadow: var(--mof-shadow);
}
.mof-fs-hd {
  background: var(--mof-secondary);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.mof-fs-num {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--mof-accent);
  color: var(--mof-secondary);
  font-size: 14px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.mof-fs-hd-txt h3 { font-size: 17px; color: #fff !important; font-weight: 700; margin: 0 0 2px; }
.mof-fs-hd-txt p  { font-size: 13px; color: rgba(255,255,255,.5); margin: 0; }
.mof-fs-bd { padding: 24px; }

/* ── Grid layouts ── */
.mof-fr     { display: grid; gap: 18px; }
.mof-fr-2   { grid-template-columns: 1fr 1fr; }
.mof-fr-3   { grid-template-columns: 1fr 1fr 1fr; }
@media (max-width: 640px) {
  .mof-fr-2, .mof-fr-3 { grid-template-columns: 1fr; margin-bottom:5px; }
}

/* ── Form group ── */
.mof-fg { margin-bottom: 18px !important; }
.mof-fg:last-child { margin-bottom: 0; }
.mof-fg label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--mof-g800);
  margin-bottom: 6px;
  display: flex;
}
.mof-req  { color: #EF4444; margin-left: 2px; }
.mof-hint { font-weight: 400; font-size: 12px; color: var(--mof-g400); margin-left: 6px; }

.mof-fg input[type="text"],
.mof-fg input[type="email"],
.mof-fg input[type="tel"],
.mof-fg input[type="number"],
.mof-fg select,
.mof-fg textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--mof-g300);
  border-radius: 8px;
  font-size: 15px;
  font-family: var(--mof-body);
  color: var(--mof-g800);
  background: #fff;
  transition: var(--mof-ease);
  appearance: auto;
  height: auto;
}
.mof-fg input:focus,
.mof-fg select:focus,
.mof-fg textarea:focus {
  outline: none;
  border-color: var(--mof-primary);
  box-shadow: 0 0 0 3px var(--mof-primary-pale);
}
.mof-fg input.mof-error,
.mof-fg select.mof-error,
.mof-fg textarea.mof-error {
  border-color: #EF4444;
  box-shadow: 0 0 0 3px rgba(239,68,68,.1);
}
.mof-fg textarea { height: 110px; resize: vertical; }
.mof-fg input::placeholder,
.mof-fg textarea::placeholder { color: var(--mof-g400); font-family:var(--mof-body); }

.mof-field-err  { display: none; font-size: 12px; color: #EF4444; margin-top: 4px; min-height: 16px; }
.mof-field-hint { font-size: 12px; color: var(--mof-g400); margin-top: 4px; }

/* ── Radio groups ── */
.mof-rg { display: flex; gap: 18px; margin-top: 6px; flex-wrap: wrap; }
.mof-ri {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  background: var(--mof-g50);
  border: 1.5px solid var(--mof-g200);
  border-radius: 8px;
  padding: 10px 16px;
  transition: var(--mof-ease);
}
.mof-ri:hover { border-color: var(--mof-primary); background: var(--mof-primary-pale); }
.mof-ri input { width: 16px; height: 16px; accent-color: var(--mof-primary); cursor: pointer; }
.mof-ri span  { font-size: 14px; color: var(--mof-g700); font-weight: 500; }

/* ── Checkbox grid ── */
.mof-cbg {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 8px;
}
.mof-cbi {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f8fafc;
  border: 1.5px solid #e2e8f0;
  border-radius: 8px;
  padding: 14px;
  cursor: pointer;
  transition: var(--mof-ease);
}
.mof-cbi:hover,
.mof-cbi:has(input:checked) { border-color: var(--mof-primary); background: var(--mof-primary-pale); }
.mof-cbi input { width: 18px; height: 18px; accent-color: var(--mof-primary); cursor: pointer; flex-shrink: 0; accent-color: var(--mof-primary); }
.mof-cbi span  { font-size: 15px; color: var(--mof-g700); font-weight: 500; }


@media (max-width: 520px) { .mof-cbg { grid-template-columns: 1fr; } }

/* ── Info callout ── */
.mof-info-callout {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  background: #f5e6c8;
  border-left: 4px solid var(--mof-accent);
  border-radius: 8px;
  padding: 14px 18px;
  margin-top: 14px;
}
.mof-info-callout svg { width:20px; height:20px; fill:var(--mof-accent); flex-shrink:0; margin-top:1px; }
.mof-info-callout p   { font-size: 14px; color: var(--mof-g700); line-height: 1.6; margin: 0; }

/* ── File upload ── */
.mof-upl-g {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-bottom: 14px;
}
@media (max-width: 600px) { .mof-upl-g { grid-template-columns: 1fr; } }

.mof-upl-zone {
  border: 2px dashed var(--mof-g300);
  border-radius: 12px;
  padding: 24px 16px;
  text-align: center;
  cursor: pointer;
  transition: var(--mof-ease);
  background: var(--mof-g50);
  display: block;
}
.mof-upl-zone:hover { border-color: var(--mof-primary); background: var(--mof-primary-pale); }
.mof-upl-ico  { font-size: 28px; margin-bottom: 10px; }
.mof-upl-zone h4 { font-size: 14px; font-weight: 700; color: var(--mof-secondary); margin: 0 0 4px; }
.mof-upl-zone p  { font-size: 12px; color: var(--mof-g400); margin: 0 0 8px; line-height: 1.4; }
.mof-upl-cta  { font-size: 12px; color: var(--mof-primary); font-weight: 600; }
.mof-upl-name { font-size: 12px; color: var(--mof-g400); margin-top: 6px; min-height: 18px; text-align: center; }
.mof-upl-name.mof-ok { color: var(--mof-primary); font-weight: 600; }
.mof-docs-intro { font-size: 14px; color: var(--mof-g600); margin-bottom: 20px; }
.mof-docs-note  { font-size: 13px; color: var(--mof-g400); margin-top: 14px; }

/* ── Certification ── */
.mof-cert-box {
  background: var(--mof-g50);
  border: 1.5px solid var(--mof-g200);
  border-radius: 10px;
  padding: 18px 22px;
  transition: var(--mof-ease);
}
.mof-cert-box.mof-error { border-color: #EF4444; background: #FEF2F2; }
.mof-cert-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  cursor: pointer;
}
.mof-cert-row input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--mof-primary); flex-shrink: 0; cursor: pointer; margin-top: 3px !important; margin-right: 0 !important; }
.mof-cert-row span  { font-size: 14px; color: var(--mof-g700); line-height: 1.65; }

/* ── Submit ── */
.mof-submit-wrap {
  background: #fff;
  border-radius: var(--mof-rl);
  border: 1px solid var(--mof-g200);
  padding: 32px;
  text-align: center;
  box-shadow: var(--mof-shadow-md);
  margin-top: 4px;
}
.mof-submit-wrap h3 { font-size: 22px; font-weight: 800; color: var(--mof-secondary); margin: 0 0 8px; }
.mof-submit-wrap p  { font-size: 15px; color: var(--mof-g600); margin: 0 0 24px; }
.mof-btn-submit {
  background: var(--mof-primary) !important;
  color: #fff !important;
  font-size: 17px !important;
  font-weight: 700 !important;
  padding: 15px 48px !important;
  border-radius: var(--mof-radius) !important;
  border: none !important;
  cursor: pointer !important;
  transition: var(--mof-ease) !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 10px !important;
  font-family: var(--mof-body) !important;
}
.mof-btn-submit svg { width: 18px; height: 18px; fill: #fff; }
.mof-btn-submit:hover {
  background: var(--mof-primary-light) !important;
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(10,122,90,.28);
}
.mof-btn-submit:disabled { opacity: .65; cursor: not-allowed; transform: none; }
.mof-submit-note  { font-size: 12px; color: var(--mof-g400); margin-top: 14px; }
.mof-submit-error { background: #FEF2F2; border: 1px solid #FECACA; border-radius: 8px; padding: 12px 16px; font-size: 14px; color: #991B1B; margin-top: 16px; }

/* ── Spinner ── */
.mof-spinner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-top: 20px;
  font-size: 14px;
  color: var(--mof-g600);
}
.mof-spin {
  width: 20px;
  height: 20px;
  border: 3px solid var(--mof-g200);
  border-top-color: var(--mof-primary);
  border-radius: 50%;
  animation: mof-spin .7s linear infinite;
}
@keyframes mof-spin { to { transform: rotate(360deg); } }

/* ── Success state ── */
.mof-success-wrap {
  background: #fff;
  border-radius: var(--mof-rl);
  border: 2px solid var(--mof-primary);
  padding: 52px 32px;
  text-align: center;
  box-shadow: var(--mof-shadow-md);
}
.mof-success-ico {
  width: 68px;
  height: 68px;
  background: var(--mof-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.mof-success-ico svg { width: 34px; height: 34px; fill: #fff; }
.mof-success-wrap h2 { font-size: 28px; font-weight: 800; color: var(--mof-secondary); margin: 0 0 10px; }
.mof-success-wrap p  { font-size: 15px; color: var(--mof-g600); margin: 0 0 10px; }
.mof-app-id-display {
  display: inline-block;
  background: var(--mof-g50);
  border: 1px solid var(--mof-g200);
  border-radius: 8px;
  padding: 10px 20px;
  font-size: 15px;
  color: var(--mof-g600);
  margin: 12px 0 24px;
}
.mof-app-id-display strong { color: var(--mof-secondary); }
.mof-next-steps {
  background: #ECFDF5;
  border-radius: 12px;
  padding: 22px;
  text-align: left;
  max-width: 480px;
  margin: 0 auto;
}
.mof-next-steps h4 { font-size: 15px; font-weight: 700; color: var(--mof-primary); margin: 0 0 14px; }
.mof-ns-item { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 10px; }
.mof-ns-num {
  width: 24px;
  height: 24px;
  background: var(--mof-primary);
  border-radius: 50%;
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.mof-ns-item span { font-size: 14px; color: var(--mof-g700); line-height: 1.5; }

/* ═══════════════════════════════════════════
   LOAN PROGRAMS GRID
═══════════════════════════════════════════ */
.mof-lp-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  font-family: var(--mof-font);
}

@media (max-width: 1024px) { .mof-lp-grid {  grid-template-columns: repeat(2, 1fr); } }

@media (max-width: 768px) { .mof-lp-grid { grid-template-columns: 1fr; } }

.mof-lpc {
  background: #fff;
  border-radius: var(--mof-rl);
  border: 1px solid var(--mof-g200);
  overflow: hidden;
  transition: var(--mof-ease);
  box-shadow: var(--mof-shadow);
  position: relative;
	
  display:flex;
  flex-direction: column; /* stack content vertically */
  height: 100%; 
}
.mof-lpc:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(0,0,0,.12);
}

.mof-lpc-badge {
  position: absolute;
  top: 14px;
  right: 14px;
  background: var(--mof-accent);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  letter-spacing: .04em;
  text-transform: uppercase;
  z-index: 2;
}
.mof-lpc-hd {
  padding: 26px;
  color: #fff;
  position: relative;
}
.mof-lpc-ico {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: rgba(255,255,255,.18);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  overflow: hidden;
}
.mof-lpc-ico svg { width: 24px; height: 24px; fill: #fff; }
.mof-lpc-title    { font-size: 20px; font-weight: 800; margin: 0 0 6px; line-height: 1.2; color: #fff !important; }
.mof-lpc-subtitle { font-size: 13px; opacity: .72; margin: 0; line-height: 1.4; }

.mof-lpc-bd   { padding: 24px; display: flex;
  flex-direction: column;
  flex: 1;}
.mof-lpc-desc { font-size: 14px; color: var(--mof-g600); margin: 0 0 16px; line-height: 1.55; }

.cards-footer {
  margin-top: auto; /* 🔥 pushes footer to bottom */
}

.mof-lpc-det {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 20px;
}
.mof-ldet {
  text-align: center;
  background: var(--mof-g50);
  border-radius: 8px;
  padding: 12px 8px;
}
.mof-ldet-l {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--mof-g400);
  margin-bottom: 4px;
}
.mof-ldet-v { font-size: 14px; font-weight: 700; color: var(--mof-secondary); }

.mof-lpc-apply-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  width: 100%;
  padding: 13px;
  background: var(--mof-primary);
  color: #fff;
  text-decoration: none;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 700;
  font-family: var(--mof-font);
  transition: var(--mof-ease);
}
.mof-lpc-apply-btn svg { width: 16px; height: 16px; fill: #fff; }
.mof-lpc-apply-btn:hover {
  background: var(--mof-primary-light);
  text-decoration: none;
  box-shadow: 0 6px 20px rgba(10,122,90,.28);
  color:#fff;
}

.mof-lp-empty { text-align: center; padding: 40px; color: var(--mof-g400); font-size: 15px; }