/* Cibil Flow CSS */
@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;700&display=swap');

#cibil-modal-overlay {
    position: fixed;
    top: 0; left: 0; width: 100%; height: 100%;
    background: rgba(15, 23, 42, 0.6);
    backdrop-filter: blur(4px);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 999999;
    font-family: 'DM Sans', sans-serif;
}

#cibil-modal-card {
    background: #fff;
    width: 100%;
    max-width: 520px;
    border-radius: 16px;
    box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    max-height: 95vh;
}

#cibil-modal-header {
    background: #0a192f;
    color: #fff;
    padding: 24px;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    position: relative;
}

.cibil-header-content {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.cibil-header-icon {
    width: 48px;
    height: 48px;
    background: #d4af37;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.cibil-header-icon svg {
    width: 24px; height: 24px; fill: #fff;
}

.cibil-header-text h3 {
    margin: 0 0 4px 0;
    font-size: 1.25rem;
    font-weight: 700;
    color: #fff;
}
.cibil-header-text p {
    margin: 0;
    font-size: 0.875rem;
    color: #d4af37;
    font-weight: 500;
}

#cibil-close-btn {
    background: rgba(255, 255, 255, 0.1);
    border: none;
    color: #fff;
    font-size: 1.25rem;
    cursor: pointer;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s;
}
#cibil-close-btn:hover {
    background: rgba(255, 255, 255, 0.2);
}

#cibil-modal-body {
    padding: 24px 32px 32px;
    overflow-y: auto;
    color: #0f172a;
}

/* Stepper */
.cibil-stepper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
    position: relative;
    padding: 0 10px;
}

.cibil-stepper::before {
    content: "";
    position: absolute;
    top: 12px;
    left: 40px;
    right: 40px;
    height: 1px;
    background: #e2e8f0;
    z-index: 1;
}

.cibil-step {
    position: relative;
    z-index: 2;
    background: #fff;
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.85rem;
    color: #64748b;
    padding: 0 8px;
}

.cibil-step .cibil-circle {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #e2e8f0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.75rem;
    color: #64748b;
}

.cibil-step.active .cibil-circle {
    background: #0284c7;
    color: #fff;
}
.cibil-step.active {
    color: #0f172a;
    font-weight: 600;
}

/* Forms */
.cibil-step-desc {
    font-size: 0.9rem;
    color: #64748b;
    margin-bottom: 24px;
}

.cibil-form-row {
    display: flex;
    gap: 16px;
    margin-bottom: 20px;
}
.cibil-form-group {
    flex: 1;
    margin-bottom: 20px;
}
.cibil-form-row .cibil-form-group {
    margin-bottom: 0;
}

.cibil-input-hint {
    font-size: 0.75rem;
    color: #64748b;
    margin-bottom: 6px;
    display: block;
}

.cibil-form-group label {
    display: block;
    margin-bottom: 8px;
    font-size: 0.75rem;
    font-weight: 700;
    color: #475569;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.cibil-form-control {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid #bae6fd;
    border-radius: 8px;
    font-size: 0.95rem;
    background: #f0f9ff;
    color: #0f172a;
    transition: all 0.2s;
    font-family: inherit;
    box-sizing: border-box;
}
.cibil-form-control:focus {
    outline: none;
    border-color: #38bdf8;
    background: #fff;
    box-shadow: 0 0 0 3px rgba(56, 189, 248, 0.1);
}
.cibil-form-control::placeholder {
    color: #94a3b8;
}

.cibil-btn {
    width: 100%;
    padding: 14px;
    background: #0ea5e9;
    color: #fff;
    border: none;
    border-radius: 30px;
    font-weight: 700;
    font-size: 1rem;
    cursor: pointer;
    transition: background 0.2s;
    font-family: inherit;
}
.cibil-btn:hover {
    background: #0284c7;
}
.cibil-btn:disabled {
    background: #94a3b8;
    cursor: not-allowed;
}

.cibil-btn-secondary {
    background: #fff;
    color: #0f172a;
    border: 1px solid #e2e8f0;
}
.cibil-btn-secondary:hover {
    background: #f8fafc;
}

/* Spinner */
.cibil-spinner {
    border: 4px solid rgba(0,0,0,0.1);
    border-top: 4px solid #0ea5e9;
    border-radius: 50%;
    width: 48px;
    height: 48px;
    animation: spin 1s linear infinite;
    margin: 32px auto;
}
@keyframes spin { 0% { transform: rotate(0deg); } 100% { transform: rotate(360deg); } }

.cibil-text-center { text-align: center; }
.cibil-error { color: #ef4444; font-size: 0.75rem; margin-top: 6px; display: none; font-weight: 500; }
.cibil-error.active { display: block; }