*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  overflow-x: hidden;
}

/* Scroll reveal base — progressive enhancement, content visible by default */
.reveal {
  opacity: 1;
  transform: none;
  transition: opacity 0.6s ease, transform 0.6s ease;
}

@media (prefers-reduced-motion: no-preference) {
  .reveal {
    opacity: 0;
    transform: translateY(24px);
  }
  .reveal.revealed {
    opacity: 1;
    transform: translateY(0);
  }
}

.loan-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.process-card {
  transition: transform 0.3s ease;
}

.process-card:hover {
  transform: translateY(-4px);
}

/* Subtle gradient border on focus */
input:focus, textarea:focus {
  box-shadow: 0 0 0 3px rgba(255, 127, 107, 0.15);
}