.ar-page {
  background: #ffffff;
  color: #2f506a;
}

.ar-page main {
  overflow: hidden;
}

.ar-page .visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.ar-hero {
  background-color: #eaf2f8;
  background-image: linear-gradient(
      90deg,
      rgba(234, 242, 248, 0.96) 0%,
      rgba(234, 242, 248, 0.9) 38%,
      rgba(234, 242, 248, 0.46) 62%,
      rgba(234, 242, 248, 0.15) 100%
    ),
    url("../img/auto-refinance/hero-bg.png");
  background-repeat: no-repeat;
  background-size: cover;
  background-position: center top;
  border-bottom: 1px solid #d7e4ee;
  padding-top: 136px;
  padding-bottom: 88px;
}

.ar-hero-grid {
  display: grid;
}

.ar-hero-content {
  max-width: 445px;
}

.ar-eyebrow {
  margin: 0 0 8px;
  color: #5f7f95;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.6px;
  text-transform: uppercase;
}

.ar-hero-content h1 {
  margin: 0;
  color: #123b5e;
  font-size: clamp(34px, 3.8vw, 56px);
  line-height: 1.04;
  font-weight: 900;
}

.ar-rate-form {
  margin-top: 22px;
  max-width: 322px;
}

.ar-rate-form select {
  width: 100%;
  height: 44px;
  border: 1px solid #b8ccd9;
  border-radius: 3px;
  background: #ffffff;
  color: #315a74;
  font-size: 14px;
  padding: 0 14px;
  margin-bottom: 10px;
  cursor: pointer;
}

.ar-rate-form select:focus {
  outline: 0;
  border-color: #0b84c5;
}

.ar-form-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.ar-primary-btn,
.ar-outline-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.22s ease;
}

.ar-primary-btn {
  border: 0;
  min-width: 164px;
  background: linear-gradient(180deg, #0f89cd 0%, #0a73ae 100%);
  color: #ffffff;
  padding: 0 22px;
  box-shadow: 0 8px 18px rgba(7, 93, 145, 0.24);
}

.ar-primary-btn:hover {
  color: #ffffff;
  transform: translateY(-1px);
}

.ar-disclaimer {
  margin: 8px 0 0;
  color: #6a8398;
  font-size: 11.5px;
}

.ar-intro,
.ar-benefits,
.ar-members,
.ar-how,
.ar-faq {
  padding-top: 78px;
  padding-bottom: 78px;
}

.ar-intro h2,
.ar-how h2,
.ar-faq h2,
.ar-section-title {
  margin: 0;
  color: #123b5e;
  font-size: clamp(32px, 2.8vw, 50px);
  line-height: 1.08;
  font-weight: 900;
}

.ar-intro p,
.ar-how p,
.ar-accordion .accordion-body {
  margin: 0 0 14px;
  color: #4f6b81;
  font-size: 17px;
  line-height: 1.66;
}

.ar-benefits {
  background: #edf4f9;
}

.ar-section-title {
  text-align: center;
  margin-bottom: 34px;
}

.ar-benefit-card {
  text-align: center;
  padding: 8px 18px;
}

.ar-benefit-card img {
  width: 66px;
  height: 66px;
  object-fit: contain;
}

.ar-benefit-card h3 {
  margin: 14px 0 8px;
  color: #133d5f;
  font-size: 23px;
  line-height: 1.2;
  font-weight: 800;
}

.ar-benefit-card p {
  margin: 0;
  color: #5a7387;
  font-size: 16px;
  line-height: 1.6;
}

.ar-outline-btn {
  min-width: 178px;
  border: 1.5px solid #1792d2;
  color: #0e7cb7;
  background: #ffffff;
  padding: 0 24px;
}

.ar-outline-btn:hover {
  background: #0f87c8;
  border-color: #0f87c8;
  color: #ffffff;
}

.ar-members {
  background: #ffffff;
}

.ar-stars {
  display: flex;
  gap: 5px;
  color: #f8ba26;
  font-size: 20px;
  margin-bottom: 16px;
}

.ar-quote {
  margin: 0;
  color: #4c6880;
  font-size: 18px;
  line-height: 1.72;
}

.ar-member-name {
  margin: 12px 0 20px;
  color: #133b5a;
  font-size: 16px;
  font-weight: 700;
}

.ar-metrics {
  margin-top: 28px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  align-items: center;
}

.ar-metrics img {
  width: 100%;
  max-width: 128px;
  height: auto;
}

.ar-members-image-wrap {
  position: relative;
  display: flex;
  justify-content: center;
}

.ar-members-image-wrap::before {
  content: "";
  position: absolute;
  top: 22px;
  right: 8px;
  width: 180px;
  height: 180px;
  background: #f04f2f;
  border-radius: 14px;
}

.ar-members-image {
  position: relative;
  z-index: 1;
  width: min(430px, 100%);
  height: auto;
  display: block;
  border-radius: 18px;
  box-shadow: 0 14px 30px rgba(14, 44, 65, 0.2);
}

.ar-how {
  background: #eef5fa;
}

.ar-how-image-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.ar-how-image {
  width: min(245px, 100%);
  height: auto;
  display: block;
}

.ar-slider-dots {
  margin-top: 14px;
  display: flex;
  gap: 8px;
}

.ar-slider-dots span {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #d5dde5;
}

.ar-slider-dots span.active {
  background: #f26c57;
}

.ar-how-content ol {
  margin: 22px 0 24px;
  padding: 0;
  list-style: none;
}

.ar-how-content li {
  margin-bottom: 16px;
}

.ar-how-content h3 {
  margin: 0;
  color: #123b5e;
  font-size: 27px;
  line-height: 1.2;
  font-weight: 800;
}

.ar-faq {
  background: #ffffff;
}

.ar-accordion {
  border-top: 1px solid #d7e3ec;
}

.ar-accordion .accordion-item {
  border: 0;
  border-bottom: 1px solid #d7e3ec;
  background: transparent;
}

.ar-accordion .accordion-button {
  background: transparent;
  color: #123b5e;
  box-shadow: none;
  font-size: 16px;
  font-weight: 800;
  line-height: 1.45;
  padding: 18px 2px;
}

.ar-accordion .accordion-button::after {
  filter: saturate(0.2);
}

.ar-accordion .accordion-button:not(.collapsed) {
  color: #0f7cb8;
}

.ar-accordion .accordion-body {
  padding: 0 2px 18px;
  font-size: 15px;
  line-height: 1.6;
}

@media (max-width: 991.98px) {
  .ar-hero {
    padding-top: 126px;
    padding-bottom: 74px;
    background-image: linear-gradient(
        90deg,
        rgba(234, 242, 248, 0.97) 0%,
        rgba(234, 242, 248, 0.9) 48%,
        rgba(234, 242, 248, 0.52) 78%,
        rgba(234, 242, 248, 0.22) 100%
      ),
      url("../img/auto-refinance/hero-bg.png");
    background-position: 66% top;
  }

  .ar-intro,
  .ar-benefits,
  .ar-members,
  .ar-how,
  .ar-faq {
    padding-top: 64px;
    padding-bottom: 64px;
  }

  .ar-intro h2,
  .ar-how h2,
  .ar-faq h2,
  .ar-section-title {
    font-size: clamp(30px, 5.2vw, 44px);
  }

  .ar-intro p,
  .ar-how p,
  .ar-accordion .accordion-body {
    font-size: 16px;
  }

  .ar-benefit-card h3 {
    font-size: 22px;
  }

  .ar-how-content h3 {
    font-size: 24px;
  }

  .ar-members-image-wrap::before {
    width: 130px;
    height: 130px;
    top: 18px;
    right: 18px;
  }

  .ar-metrics {
    grid-template-columns: 1fr 1fr 1fr;
  }
}

@media (max-width: 767.98px) {
  .ar-hero {
    padding-top: 112px;
    padding-bottom: 64px;
    background-image: linear-gradient(
        180deg,
        rgba(234, 242, 248, 0.95) 0%,
        rgba(234, 242, 248, 0.86) 42%,
        rgba(234, 242, 248, 0.58) 72%,
        rgba(234, 242, 248, 0.35) 100%
      ),
      url("../img/auto-refinance/hero-bg.png");
    background-position: 68% top;
  }

  .ar-rate-form {
    max-width: 100%;
  }

  .ar-form-actions,
  .ar-primary-btn,
  .ar-outline-btn {
    width: 100%;
  }

  .ar-benefit-card {
    padding: 6px 10px;
  }

  .ar-metrics {
    grid-template-columns: 1fr;
    justify-items: flex-start;
  }

  .ar-metrics img {
    max-width: 154px;
  }

  .ar-members-image-wrap::before {
    width: 112px;
    height: 112px;
    right: 12px;
    top: 12px;
  }

  .ar-members-image {
    border-radius: 14px;
  }

  .ar-how-image {
    width: min(220px, 72vw);
  }

  .ar-accordion .accordion-button {
    font-size: 15px;
  }
}