/* OttoFund Rippling-inspired theme - Clean, modern, highly distinct */
:root {
  --of-bg: #FFFFFF;
  --of-bg-muted: #F5F8F6;
  --of-bg-mint: #EDF7F2;
  --of-surface: #FFFFFF;
  --of-ink: #0A192F;
  --of-ink-soft: #4A5B6D;
  --of-accent: #00A86B;
  --of-accent-hover: #008856;
  --of-accent-light: #E6F6F0;
  --of-border: #E1E8EC;
  --of-shadow-sm: 0 1px 3px rgba(10, 25, 47, 0.05);
  --of-shadow-md: 0 12px 28px -8px rgba(10, 25, 47, 0.08);
  --of-radius: 12px;
  --of-radius-pill: 9999px;
  --of-font: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

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

body {
  background-color: var(--of-bg);
  color: var(--of-ink);
  font-family: var(--of-font);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

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

/* Layout Container */
.of-container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Header Navbar */
.of-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--of-border);
}

.of-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.of-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 20px;
  letter-spacing: -0.02em;
  color: var(--of-ink);
}

.of-logo-badge {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--of-accent);
  color: #fff;
  display: grid;
  place-items: center;
}

.of-nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
}

.of-nav-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--of-ink-soft);
  transition: color 0.15s ease;
}

.of-nav-link:hover {
  color: var(--of-ink);
}

/* Buttons */
.of-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-size: 14px;
  font-weight: 600;
  border-radius: var(--of-radius-pill);
  transition: all 0.2s ease;
  border: 1px solid transparent;
  cursor: pointer;
}

.of-btn-primary {
  background: var(--of-ink);
  color: #FFFFFF;
}

.of-btn-primary:hover {
  background: #162a45;
}

.of-btn-accent {
  background: var(--of-accent);
  color: #FFFFFF;
}

.of-btn-accent:hover {
  background: var(--of-accent-hover);
}

.of-btn-outline {
  border-color: var(--of-border);
  background: #FFFFFF;
  color: var(--of-ink);
}

.of-btn-outline:hover {
  background: var(--of-bg-muted);
}

/* Hero Section */
.of-hero {
  padding: 64px 0 80px;
  background: linear-gradient(180deg, var(--of-bg-mint) 0%, var(--of-bg) 100%);
}

.of-hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 900px) {
  .of-hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
  }
}

.of-hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border-radius: var(--of-radius-pill);
  background: var(--of-accent-light);
  color: var(--of-accent);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 20px;
}

.of-hero-title {
  font-size: 36px;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: var(--of-ink);
  margin-bottom: 18px;
}

@media (min-width: 768px) {
  .of-hero-title {
    font-size: 48px;
  }
}

.of-hero-desc {
  font-size: 17px;
  line-height: 1.6;
  color: var(--of-ink-soft);
  margin-bottom: 32px;
  max-width: 540px;
}

.of-hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  padding-top: 24px;
  border-top: 1px solid var(--of-border);
}

.of-stat-val {
  font-size: 20px;
  font-weight: 700;
  color: var(--of-ink);
}

.of-stat-lbl {
  font-size: 12px;
  color: var(--of-ink-soft);
}

/* Form Card */
.of-form-card {
  background: var(--of-surface);
  border: 1px solid var(--of-border);
  border-radius: 20px;
  padding: 32px;
  box-shadow: var(--of-shadow-md);
}

.of-form-header {
  margin-bottom: 24px;
}

.of-form-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--of-ink);
  margin-bottom: 6px;
}

.of-form-subtitle {
  font-size: 13px;
  color: var(--of-ink-soft);
}

.of-form-group {
  margin-bottom: 20px;
}

.of-label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--of-ink-soft);
  margin-bottom: 8px;
}

.of-select, .of-input {
  width: 100%;
  height: 48px;
  padding: 0 16px;
  border-radius: 10px;
  border: 1px solid var(--of-border);
  background: var(--of-bg-muted);
  font-size: 15px;
  color: var(--of-ink);
  outline: none;
  transition: border-color 0.15s ease;
}

.of-select:focus, .of-input:focus {
  border-color: var(--of-accent);
  background: #FFFFFF;
}

.of-form-submit {
  width: 100%;
  height: 52px;
  margin-top: 8px;
  font-size: 15px;
}

.of-form-disclaimer {
  font-size: 12px;
  color: var(--of-ink-soft);
  text-align: center;
  margin-top: 16px;
  line-height: 1.4;
}

/* Feature Cards (Rippling style App-Grid) */
.of-section {
  padding: 80px 0;
}

.of-section-muted {
  background: var(--of-bg-muted);
}

.of-section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.of-section-tag {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--of-accent);
  margin-bottom: 12px;
}

.of-section-title {
  font-size: 32px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--of-ink);
  margin-bottom: 16px;
}

.of-section-desc {
  font-size: 16px;
  color: var(--of-ink-soft);
}

.of-grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 768px) {
  .of-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.of-card {
  background: var(--of-surface);
  border: 1px solid var(--of-border);
  border-radius: 16px;
  padding: 32px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.of-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--of-shadow-md);
}

.of-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--of-accent-light);
  color: var(--of-accent);
  display: grid;
  place-items: center;
  margin-bottom: 20px;
}

.of-card-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--of-ink);
  margin-bottom: 10px;
}

.of-card-desc {
  font-size: 14px;
  color: var(--of-ink-soft);
  line-height: 1.5;
}

/* Rate Table */
.of-table-wrapper {
  overflow-x: auto;
  border: 1px solid var(--of-border);
  border-radius: 16px;
  background: var(--of-surface);
}

.of-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 14px;
}

.of-table th {
  background: var(--of-bg-muted);
  padding: 16px 20px;
  font-weight: 700;
  color: var(--of-ink-soft);
  text-transform: uppercase;
  font-size: 11px;
  letter-spacing: 0.05em;
  border-bottom: 1px solid var(--of-border);
}

.of-table td {
  padding: 18px 20px;
  border-bottom: 1px solid var(--of-border);
  color: var(--of-ink);
}

.of-table tr:last-child td {
  border-bottom: none;
}

/* Steps Section */
.of-steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}

@media (min-width: 768px) {
  .of-steps-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.of-step-number {
  font-size: 14px;
  font-weight: 800;
  color: var(--of-accent);
  background: var(--of-accent-light);
  display: inline-block;
  padding: 4px 12px;
  border-radius: var(--of-radius-pill);
  margin-bottom: 16px;
}

/* Driver Reviews */
.of-review-card {
  background: var(--of-surface);
  border: 1px solid var(--of-border);
  border-radius: 16px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.of-quote {
  font-size: 15px;
  color: var(--of-ink);
  line-height: 1.6;
  margin-bottom: 20px;
}

.of-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.of-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--of-accent-light);
  color: var(--of-accent);
  font-weight: 700;
  display: grid;
  place-items: center;
  font-size: 14px;
}

.of-author-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--of-ink);
}

.of-author-meta {
  font-size: 12px;
  color: var(--of-ink-soft);
}

/* Footer */
.of-footer {
  background: var(--of-ink);
  color: #FFFFFF;
  padding: 64px 0 32px;
}

.of-footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

@media (min-width: 768px) {
  .of-footer-grid {
    grid-template-columns: 2fr repeat(3, 1fr);
  }
}

.of-footer-brand {
  max-width: 320px;
}

.of-footer-desc {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
  margin-top: 12px;
  line-height: 1.6;
}

.of-footer-col-title {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 16px;
}

.of-footer-links {
  list-style: none;
}

.of-footer-links li {
  margin-bottom: 10px;
}

.of-footer-links a {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.7);
  transition: color 0.15s ease;
}

.of-footer-links a:hover {
  color: #FFFFFF;
}

.of-footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
}

.of-footer-legal-text {
  font-size: 11px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.4);
}

/* Legal Document Page Layout */
.of-legal-body {
  padding: 60px 0;
  background: var(--of-bg);
}

.of-legal-content {
  max-width: 800px;
  margin: 0 auto;
  background: var(--of-surface);
  border: 1px solid var(--of-border);
  border-radius: 16px;
  padding: 40px;
  box-shadow: var(--of-shadow-sm);
}

.of-legal-content h1 {
  font-size: 32px;
  font-weight: 800;
  margin-bottom: 8px;
}

.of-legal-content .of-legal-meta {
  font-size: 13px;
  color: var(--of-ink-soft);
  margin-bottom: 32px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--of-border);
}

.of-legal-content h2 {
  font-size: 20px;
  font-weight: 700;
  margin: 28px 0 12px;
}

.of-legal-content p, .of-legal-content ul {
  font-size: 14px;
  color: var(--of-ink-soft);
  line-height: 1.7;
  margin-bottom: 16px;
}

.of-legal-content ul {
  padding-left: 20px;
}

/* Accessibility SR only */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border-width: 0;
}

.of-trust-strip{border-bottom:1px solid var(--of-border);background:#fff}
.of-trust-grid{display:grid;grid-template-columns:1fr;gap:16px;padding:22px 0}
@media(min-width:768px){.of-trust-grid{grid-template-columns:repeat(3,1fr)}}
.of-trust-item strong{display:block;font-size:14px}.of-trust-item span{font-size:13px;color:var(--of-ink-soft)}
.of-faq-list{max-width:800px;margin:0 auto;display:grid;gap:12px}
.of-faq-item{border:1px solid var(--of-border);border-radius:16px;padding:20px 22px;background:#fff}
.of-faq-item summary{cursor:pointer;font-weight:700;font-size:15px;list-style:none}
.of-faq-item summary::-webkit-details-marker{display:none}
.of-faq-item p{margin-top:10px;font-size:14px;line-height:1.6;color:var(--of-ink-soft)}
.of-cta-banner{background:var(--of-ink);color:#fff;border-radius:20px;padding:40px;text-align:center}
.of-cta-banner h2{font-size:28px;margin-bottom:12px}.of-cta-banner p{color:rgba(255,255,255,.7);margin-bottom:22px}
.of-check-list{list-style:none;display:grid;gap:12px}
.of-check-list li{font-size:14px;padding-left:28px;position:relative;color:var(--of-ink-soft)}
.of-check-list li::before{content:"\2713";position:absolute;left:0;color:var(--of-accent);font-weight:800}
.of-grid-2{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:768px){.of-grid-2{grid-template-columns:repeat(2,1fr)}}

.of-trust-strip{border-bottom:1px solid var(--of-border);background:#fff}
.of-trust-grid{display:grid;grid-template-columns:1fr;gap:16px;padding:22px 0}
@media(min-width:768px){.of-trust-grid{grid-template-columns:repeat(3,1fr)}}
.of-trust-item strong{display:block;font-size:14px}.of-trust-item span{font-size:13px;color:var(--of-ink-soft)}
.of-faq-list{max-width:800px;margin:0 auto;display:grid;gap:12px}
.of-faq-item{border:1px solid var(--of-border);border-radius:16px;padding:20px 22px;background:#fff}
.of-faq-item summary{cursor:pointer;font-weight:700;font-size:15px;list-style:none}
.of-faq-item summary::-webkit-details-marker{display:none}
.of-faq-item p{margin-top:10px;font-size:14px;line-height:1.6;color:var(--of-ink-soft)}
.of-cta-banner{background:var(--of-ink);color:#fff;border-radius:20px;padding:40px;text-align:center}
.of-cta-banner h2{font-size:28px;margin-bottom:12px}.of-cta-banner p{color:rgba(255,255,255,.7);margin-bottom:22px}
.of-check-list{list-style:none;display:grid;gap:12px}
.of-check-list li{font-size:14px;padding-left:28px;position:relative;color:var(--of-ink-soft)}
.of-check-list li::before{content:"\2713";position:absolute;left:0;color:var(--of-accent);font-weight:800}
.of-grid-2{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:768px){.of-grid-2{grid-template-columns:repeat(2,1fr)}}

.of-trust-strip{border-bottom:1px solid var(--of-border);background:#fff}
.of-trust-grid{display:grid;grid-template-columns:1fr;gap:16px;padding:22px 0}
@media(min-width:768px){.of-trust-grid{grid-template-columns:repeat(3,1fr)}}
.of-trust-item strong{display:block;font-size:14px}.of-trust-item span{font-size:13px;color:var(--of-ink-soft)}
.of-faq-list{max-width:800px;margin:0 auto;display:grid;gap:12px}
.of-faq-item{border:1px solid var(--of-border);border-radius:16px;padding:20px 22px;background:#fff}
.of-faq-item summary{cursor:pointer;font-weight:700;font-size:15px;list-style:none}
.of-faq-item summary::-webkit-details-marker{display:none}
.of-faq-item p{margin-top:10px;font-size:14px;line-height:1.6;color:var(--of-ink-soft)}
.of-cta-banner{background:var(--of-ink);color:#fff;border-radius:20px;padding:40px;text-align:center}
.of-cta-banner h2{font-size:28px;margin-bottom:12px}.of-cta-banner p{color:rgba(255,255,255,.7);margin-bottom:22px}
.of-check-list{list-style:none;display:grid;gap:12px}
.of-check-list li{font-size:14px;padding-left:28px;position:relative;color:var(--of-ink-soft)}
.of-check-list li::before{content:"\2713";position:absolute;left:0;color:var(--of-accent);font-weight:800}
.of-grid-2{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:768px){.of-grid-2{grid-template-columns:repeat(2,1fr)}}