/* ═══════════════════════════════════════════════
   THE LOAN DESK — Shared Stylesheet
   Fonts: Playfair Display (headings) + Poppins (body)
   Colors: Deep Navy #061828, Navy #0A2342, Gold #C9A84C
════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Poppins:wght@300;400;500;600;700&display=swap');

/* ── Reset & Base ─────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --deep-navy:  #061828;
  --navy:       #0A2342;
  --navy-mid:   #0D2847;
  --navy-light: #122F52;
  --gold:       #C9A84C;
  --gold-light: #E8D48A;
  --white:      #FFFFFF;
  --off-white:  #F4F6F8;
  --dim:        #B8C8DC;
  --text-dark:  #1A2A3A;
  --text-mid:   #4A5568;
  --font-head:  'Playfair Display', Georgia, serif;
  --font-body:  'Poppins', sans-serif;
  --radius:     8px;
  --shadow:     0 4px 24px rgba(6,24,40,0.18);
  --shadow-lg:  0 8px 48px rgba(6,24,40,0.28);
  --transition: 0.25s ease;
  --max-width:  1140px;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-dark);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a   { color: inherit; text-decoration: none; }
ul  { list-style: none; }

/* ── Typography ───────────────────────────────── */
h1, h2, h3, h4 {
  font-family: var(--font-head);
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1rem; color: var(--text-mid); }
p:last-child { margin-bottom: 0; }

.lead {
  font-size: 1.15rem;
  line-height: 1.8;
  color: var(--text-mid);
}

/* ── Layout ───────────────────────────────────── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 80px 0; }

.section-label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 12px;
}

.section-title {
  margin-bottom: 16px;
}

.section-intro {
  max-width: 640px;
  margin-bottom: 48px;
}

/* ── Buttons ──────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 0 0 var(--radius) var(--radius);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold);
  color: var(--deep-navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}

.btn-outline {
  background: transparent;
  color: var(--gold);
  border-color: var(--gold);
}
.btn-outline:hover {
  background: var(--gold);
  color: var(--deep-navy);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn-white:hover {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}

.btn-dark {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-dark:hover {
  background: var(--gold);
  color: var(--deep-navy);
  border-color: var(--gold);
}

/* ── Navigation ───────────────────────────────── */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--deep-navy);
  border-bottom: 2px solid var(--gold);
  box-shadow: var(--shadow);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* Dropdown buttons fill full nav height so there is zero gap to cross */
.dropdown > button {
  height: 72px;
  padding-top: 0;
  padding-bottom: 0;
  border-radius: 0;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.nav-logo img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
}
.nav-logo-text {
  font-family: var(--font-head);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
}
.nav-logo-text span {
  display: block;
  font-family: var(--font-body);
  font-size: 0.65rem;
  font-weight: 400;
  color: var(--gold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-links > li {
  position: relative;
}

.nav-links a,
.nav-links button {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--dim);
  padding: 8px 14px;
  border-radius: 4px;
  background: none;
  border: none;
  cursor: pointer;
  transition: color var(--transition);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a:hover,
.nav-links button:hover {
  color: var(--gold);
}
.nav-links a.active {
  color: var(--gold);
}

/* Dropdown */
.dropdown { position: relative; }

.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--navy);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 0 0 var(--radius) var(--radius);
  min-width: 260px;
  box-shadow: var(--shadow-lg);
  padding: 8px 0;
  z-index: 200;
}

/* Invisible bridge fills gap between button and menu */
.dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  height: 10px;
  background: transparent;
}

.dropdown.open .dropdown-menu {
  display: block;
}

.dropdown-menu a {
  display: block;
  padding: 10px 20px;
  font-size: 0.83rem;
  color: var(--dim);
  border-radius: 0;
  transition: all var(--transition);
}
.dropdown-menu a:hover {
  color: var(--gold);
  background: rgba(201,168,76,0.08);
  padding-left: 26px;
}

.dropdown-menu .price-tag {
  font-size: 0.75rem;
  color: var(--gold);
  margin-left: 6px;
}

.dropdown-divider {
  height: 1px;
  background: rgba(201,168,76,0.2);
  margin: 6px 16px;
}

.nav-cta {
  margin-left: 12px;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* Mobile nav */
.mobile-nav {
  display: none;
  background: var(--navy);
  padding: 16px 24px 24px;
  border-top: 1px solid rgba(201,168,76,0.2);
}
.mobile-nav.open { display: block; }

.mobile-nav a {
  display: block;
  padding: 10px 0;
  color: var(--dim);
  font-size: 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: color var(--transition);
}
.mobile-nav a:hover { color: var(--gold); }
.mobile-nav .mobile-section-label {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 14px 0 4px;
}

/* ── Hero ─────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--deep-navy) 0%, var(--navy) 60%, #112240 100%);
  padding: 96px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(201,168,76,0.02) 40px,
    rgba(201,168,76,0.02) 41px
  );
  pointer-events: none;
}

.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: inline-block;
  padding: 6px 14px;
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: 100px;
  margin-bottom: 20px;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}

.hero h1 em {
  font-style: normal;
  color: var(--gold);
}

.hero-sub {
  color: var(--dim);
  font-size: 1.05rem;
  line-height: 1.8;
  margin-bottom: 36px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  align-items: center;
}

.hero-trust {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(201,168,76,0.2);
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.trust-item strong {
  font-family: var(--font-head);
  font-size: 1.8rem;
  color: var(--gold);
  line-height: 1;
}
.trust-item span {
  font-size: 0.75rem;
  color: var(--dim);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-weight: 500;
}

.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-badge {
  width: 300px;
  height: 300px;
  border-radius: 50%;
  border: 2px solid rgba(201,168,76,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.hero-badge img {
  width: 240px;
  height: 240px;
  object-fit: contain;
}

/* ── Cards ────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: 0 0 var(--radius) var(--radius);
  border: 1px solid #E2E8F0;
  padding: 32px;
  box-shadow: 0 2px 12px rgba(6,24,40,0.06);
  transition: all var(--transition);
}
.card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-2px);
  border-color: rgba(201,168,76,0.3);
}

.card-dark {
  background: var(--navy-mid);
  border-color: rgba(201,168,76,0.2);
  color: var(--white);
}
.card-dark p { color: var(--dim); }
.card-dark h3, .card-dark h4 { color: var(--white); }

/* ── Grids ────────────────────────────────────── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ── Product Cards ────────────────────────────── */
.product-card {
  background: var(--white);
  border-radius: 0 0 var(--radius) var(--radius);
  border: 1px solid #E2E8F0;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: all var(--transition);
  box-shadow: 0 2px 12px rgba(6,24,40,0.06);
}
.product-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-3px);
  border-color: rgba(201,168,76,0.4);
}

.product-card-header {
  background: var(--navy);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.product-card-header h3 {
  color: var(--white);
  font-size: 1.05rem;
  margin: 0;
}
.product-price {
  font-family: var(--font-head);
  font-size: 1.3rem;
  color: var(--gold);
  font-weight: 700;
  white-space: nowrap;
  margin-left: 12px;
}

.product-card-body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.product-card-body p {
  font-size: 0.9rem;
  color: var(--text-mid);
  margin: 0;
}

.product-features {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.product-features li {
  font-size: 0.85rem;
  color: var(--text-mid);
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}
.product-features li::before {
  content: '✦';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-size: 0.6rem;
  top: 5px;
}

.product-card-footer {
  padding: 0 24px 24px;
}
.product-card-footer .btn {
  width: 100%;
  text-align: center;
}

/* Featured product */
.product-card.featured {
  border: 2px solid var(--gold);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.1), var(--shadow);
}
.product-card.featured .product-card-header {
  background: var(--gold);
}
.product-card.featured .product-card-header h3 {
  color: var(--deep-navy);
}
.product-card.featured .product-price {
  color: var(--deep-navy);
}

/* ── Dark sections ────────────────────────────── */
.section-dark {
  background: var(--deep-navy);
  color: var(--white);
}
.section-dark h2, .section-dark h3, .section-dark h4 {
  color: var(--white);
}
.section-dark p { color: var(--dim); }
.section-dark .section-label { color: var(--gold); }

.section-navy {
  background: var(--navy);
  color: var(--white);
}
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: var(--dim); }

.section-offwhite {
  background: var(--off-white);
}

/* ── Gold accent bar ──────────────────────────── */
.gold-bar {
  width: 48px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin-bottom: 20px;
}

/* ── Stat boxes ───────────────────────────────── */
.stat-box {
  text-align: center;
  padding: 28px 20px;
  border-radius: 0 0 var(--radius) var(--radius);
  background: var(--navy-mid);
  border: 1px solid rgba(201,168,76,0.2);
}
.stat-number {
  font-family: var(--font-head);
  font-size: 2.8rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--dim);
}
.stat-sub {
  font-size: 0.75rem;
  color: rgba(184,200,220,0.7);
  margin-top: 4px;
}

/* ── Bullet lists ─────────────────────────────── */
.check-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.check-list li {
  padding-left: 28px;
  position: relative;
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.6;
}
.check-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ── CTA Band ─────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--deep-navy) 100%);
  border-top: 1px solid rgba(201,168,76,0.2);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  padding: 64px 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); margin-bottom: 14px; }
.cta-band p  { color: var(--dim); max-width: 560px; margin: 0 auto 32px; }
.cta-band .btn-group {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ── Footer ───────────────────────────────────── */
.site-footer {
  background: var(--deep-navy);
  border-top: 2px solid var(--gold);
  padding: 56px 0 32px;
  color: var(--dim);
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand { display: flex; flex-direction: column; gap: 16px; }
.footer-logo  { display: flex; align-items: center; gap: 12px; }
.footer-logo img { width: 44px; height: 44px; border-radius: 50%; }
.footer-logo-text {
  font-family: var(--font-head);
  font-size: 1.05rem;
  color: var(--white);
  line-height: 1.1;
}
.footer-logo-text span {
  display: block;
  font-family: var(--font-body);
  font-size: 0.6rem;
  color: var(--gold);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 400;
}
.footer-tagline {
  font-size: 0.85rem;
  color: var(--dim);
  line-height: 1.6;
  margin: 0;
  max-width: 280px;
}
.footer-email a {
  color: var(--gold);
  font-size: 0.85rem;
  transition: opacity var(--transition);
}
.footer-email a:hover { opacity: 0.8; }

.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col li a {
  font-size: 0.85rem;
  color: var(--dim);
  transition: color var(--transition);
}
.footer-col li a:hover { color: var(--gold); }

.footer-bottom {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 24px 24px 0;
  border-top: 1px solid rgba(201,168,76,0.15);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: rgba(184,200,220,0.6);
  margin: 0;
}
.footer-social { display: flex; gap: 16px; }
.footer-social a {
  font-size: 0.78rem;
  color: rgba(184,200,220,0.6);
  transition: color var(--transition);
}
.footer-social a:hover { color: var(--gold); }

/* ── Utilities ────────────────────────────────── */
.text-gold   { color: var(--gold) !important; }
.text-white  { color: var(--white) !important; }
.text-dim    { color: var(--dim) !important; }
.text-center { text-align: center; }
.text-right  { text-align: right; }

.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-48 { margin-bottom: 48px; }

.divider {
  height: 1px;
  background: rgba(201,168,76,0.2);
  margin: 48px 0;
}

/* ── Disclaimer ───────────────────────────────── */
.disclaimer {
  font-size: 0.78rem;
  color: var(--text-mid);
  font-style: italic;
  padding: 16px;
  background: var(--off-white);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-top: 48px;
  line-height: 1.6;
}

/* ── Page hero (inner pages) ──────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--deep-navy) 0%, var(--navy) 100%);
  padding: 72px 0 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    -45deg, transparent, transparent 40px,
    rgba(201,168,76,0.015) 40px, rgba(201,168,76,0.015) 41px
  );
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p  { color: var(--dim); max-width: 600px; margin: 0 auto; font-size: 1.05rem; }

/* ── Accordion (Services) ─────────────────────── */
.accordion-item {
  border: 1px solid #E2E8F0;
  border-radius: 0 0 var(--radius) var(--radius);
  overflow: hidden;
  margin-bottom: 8px;
}
.accordion-trigger {
  width: 100%;
  background: var(--white);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  border: none;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  transition: background var(--transition);
}
.accordion-trigger:hover { background: var(--off-white); }
.accordion-trigger .acc-price {
  font-family: var(--font-head);
  color: var(--gold);
  font-size: 1.1rem;
  white-space: nowrap;
  margin-left: 16px;
}
.accordion-trigger .acc-arrow {
  color: var(--gold);
  font-size: 1.2rem;
  transition: transform var(--transition);
  margin-left: 12px;
  flex-shrink: 0;
}
.accordion-item.open .acc-arrow { transform: rotate(180deg); }
.accordion-body {
  display: none;
  padding: 24px;
  border-top: 1px solid #E2E8F0;
  background: var(--off-white);
}
.accordion-item.open .accordion-body { display: block; }

/* ── Responsive ───────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 768px) {
  section { padding: 56px 0; }
  .hero { padding: 64px 0 56px; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { display: none; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .hero-trust { gap: 20px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .product-card-header { flex-direction: column; align-items: flex-start; gap: 4px; }
  .cta-band .btn-group { flex-direction: column; align-items: center; }
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.6rem; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-badge { width: 200px; height: 200px; }
  .hero-badge img { width: 160px; height: 160px; }
}