/* ============================================================
   COMMERCIAL CAPITAL CONNECTOR — Main Stylesheet
   Design Direction: Authoritative finance / private banking
   Palette: Deep navy, warm white, gold accent
   Fonts: Playfair Display (display) + DM Sans (body)
   ============================================================ */

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

/* ── DESIGN TOKENS ── */
:root {
  /* Type scale */
  --text-xs:   clamp(0.75rem,  0.7rem  + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem  + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem    + 0.75vw, 1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem  + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem  + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem    + 4vw,    5rem);
  --text-hero: clamp(3rem,     0.5rem  + 7vw,    8rem);

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;

  /* Content widths */
  --content-narrow: 640px;
  --content-default: 960px;
  --content-wide: 1200px;

  /* Fonts */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', 'Helvetica Neue', sans-serif;

  /* Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-full: 9999px;

  /* Transitions */
  --transition-interactive: 180ms cubic-bezier(0.16, 1, 0.3, 1);

  /* Light mode — Navy/Gold finance palette */
  --color-bg:             #f5f4f0;
  --color-surface:        #ffffff;
  --color-surface-2:      #fafaf8;
  --color-surface-offset: #edeae4;
  --color-divider:        #dbd8d0;
  --color-border:         #ccc9c1;

  --color-text:           #1a1814;
  --color-text-muted:     #6b6860;
  --color-text-faint:     #b0ada5;
  --color-text-inverse:   #f5f4f0;

  /* Navy primary */
  --color-primary:        #1b3a5c;
  --color-primary-hover:  #142d48;
  --color-primary-active: #0d2035;
  --color-primary-highlight: #dce5ef;

  /* Gold accent */
  --color-accent:         #b8922a;
  --color-accent-hover:   #9a7822;
  --color-accent-active:  #7d601c;
  --color-accent-light:   #f5e9cc;

  /* Success/Error */
  --color-success:        #2d6a4f;
  --color-error:          #8b2635;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.08);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.12);
}

[data-theme="dark"] {
  --color-bg:             #0f1419;
  --color-surface:        #141c24;
  --color-surface-2:      #18222c;
  --color-surface-offset: #1c2630;
  --color-divider:        #253040;
  --color-border:         #2e3d50;
  --color-text:           #ddd9d2;
  --color-text-muted:     #7a8a9a;
  --color-text-faint:     #4a5a6a;
  --color-text-inverse:   #0f1419;
  --color-primary:        #4a7faa;
  --color-primary-hover:  #5e93bc;
  --color-primary-active: #72a7ce;
  --color-primary-highlight: #1a2d40;
  --color-accent:         #d4a843;
  --color-accent-hover:   #e0bc60;
  --color-accent-active:  #eccf7d;
  --color-accent-light:   #2a2210;
  --color-success:        #52b788;
  --color-error:          #e07080;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.25);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.35);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.5);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme]) {
    --color-bg:             #0f1419;
    --color-surface:        #141c24;
    --color-surface-2:      #18222c;
    --color-surface-offset: #1c2630;
    --color-divider:        #253040;
    --color-border:         #2e3d50;
    --color-text:           #ddd9d2;
    --color-text-muted:     #7a8a9a;
    --color-text-faint:     #4a5a6a;
    --color-text-inverse:   #0f1419;
    --color-primary:        #4a7faa;
    --color-primary-hover:  #5e93bc;
    --color-primary-active: #72a7ce;
    --color-primary-highlight: #1a2d40;
    --color-accent:         #d4a843;
    --color-accent-hover:   #e0bc60;
    --color-accent-active:  #eccf7d;
    --color-accent-light:   #2a2210;
    --color-success:        #52b788;
    --color-error:          #e07080;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.25);
    --shadow-md: 0 4px 16px rgba(0,0,0,0.35);
    --shadow-lg: 0 12px 40px rgba(0,0,0,0.5);
  }
}

/* ── BASE RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  scroll-behavior: smooth;
  scroll-padding-top: var(--space-16);
}

body {
  min-height: 100dvh;
  line-height: 1.65;
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  background-color: var(--color-bg);
  transition: background-color 0.3s ease, color 0.3s ease;
}

img, picture, video, canvas, svg { display: block; max-width: 100%; height: auto; }
ul[role="list"], ol[role="list"] { list-style: none; }
input, button, textarea, select { font: inherit; color: inherit; }
h1, h2, h3, h4, h5, h6 { text-wrap: balance; line-height: 1.2; }
p, li { text-wrap: pretty; }

::selection {
  background: var(--color-accent-light);
  color: var(--color-text);
}

:focus-visible {
  outline: 2px solid var(--color-accent);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

button { cursor: pointer; background: none; border: none; }
a, button, [role="button"], input, textarea, select {
  transition: color var(--transition-interactive),
              background var(--transition-interactive),
              border-color var(--transition-interactive),
              box-shadow var(--transition-interactive);
}

.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;
}

/* ── LAYOUT UTILITIES ── */
.container {
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
}
.container--narrow { max-width: var(--content-narrow); }
.container--default { max-width: var(--content-default); }

section { padding-block: clamp(var(--space-12), 8vw, var(--space-32)); }

/* ── NAVIGATION ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: color-mix(in oklab, var(--color-surface) 92%, transparent);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--color-divider);
  transition: box-shadow 0.3s ease;
}
.site-header--scrolled { box-shadow: var(--shadow-md); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: var(--space-4);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  color: var(--color-text);
}

.nav-logo svg { flex-shrink: 0; }

.nav-logo-text {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.2;
  color: var(--color-primary);
}
[data-theme="dark"] .nav-logo-text { color: var(--color-accent); }

.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  list-style: none;
}

.nav-links a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-muted);
  text-decoration: none;
  letter-spacing: 0.02em;
  padding-block: var(--space-1);
  border-bottom: 2px solid transparent;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--color-text);
  border-bottom-color: var(--color-accent);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  font-weight: 500;
  text-decoration: none;
  letter-spacing: 0.02em;
  white-space: nowrap;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all var(--transition-interactive);
}

.btn-primary {
  background: var(--color-primary);
  color: var(--color-text-inverse);
  border-color: var(--color-primary);
}
.btn-primary:hover {
  background: var(--color-primary-hover);
  border-color: var(--color-primary-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-accent {
  background: var(--color-accent);
  color: #fff;
  border-color: var(--color-accent);
}
.btn-accent:hover {
  background: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}
.btn-outline:hover {
  background: var(--color-primary);
  color: var(--color-text-inverse);
}

.btn-outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.4);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.12);
  border-color: rgba(255,255,255,0.7);
}

.btn-lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
}

/* Theme toggle */
.theme-toggle {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text-muted);
  background: var(--color-surface-offset);
  border: 1px solid var(--color-border);
  flex-shrink: 0;
}
.theme-toggle:hover { color: var(--color-text); background: var(--color-surface); }

/* Mobile menu toggle */
.nav-mobile-toggle {
  display: none;
  width: 38px;
  height: 38px;
  border-radius: var(--radius-md);
  align-items: center;
  justify-content: center;
  color: var(--color-text-muted);
}

/* ── HERO ── */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--color-primary);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: 
    linear-gradient(135deg, #0d2035 0%, #1b3a5c 50%, #1e4570 100%);
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: 
    radial-gradient(ellipse 60% 40% at 70% 50%, rgba(184,146,42,0.12) 0%, transparent 70%),
    radial-gradient(ellipse 40% 60% at 20% 80%, rgba(255,255,255,0.04) 0%, transparent 60%);
}

/* Grid texture overlay */
.hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 60px 60px;
  opacity: 0.6;
}

.hero-content {
  position: relative;
  z-index: 1;
  width: 100%;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-6);
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--color-accent);
}

.hero-title {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 700;
  color: #ffffff;
  line-height: 1.1;
  margin-bottom: var(--space-6);
}

.hero-title span {
  color: var(--color-accent);
  font-style: italic;
}

.hero-subtitle {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  line-height: 1.6;
  margin-bottom: var(--space-10);
  max-width: 52ch;
}

.hero-actions {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  margin-top: var(--space-12);
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stat-value {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-accent);
  display: block;
}
.hero-stat-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.04em;
  margin-top: var(--space-1);
}

.hero-visual {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  backdrop-filter: blur(8px);
}

.hero-card-title {
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}

.loan-types-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2);
}

.loan-tag {
  font-size: var(--text-xs);
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.8);
  text-align: center;
}

.hero-process {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.process-step-mini {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.8);
}

.process-num {
  width: 28px;
  height: 28px;
  border-radius: var(--radius-full);
  background: var(--color-accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--text-xs);
  font-weight: 700;
  flex-shrink: 0;
}

/* ── SECTION LABELS ── */
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
.section-eyebrow::before {
  content: '';
  display: block;
  width: 20px;
  height: 1.5px;
  background: var(--color-accent);
}

.section-title {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--color-text);
  line-height: 1.15;
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: 60ch;
}

/* ── VALUE PROPS ── */
.value-props {
  background: var(--color-surface);
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-8);
  margin-top: var(--space-12);
}

.value-card {
  padding: var(--space-8);
  background: var(--color-bg);
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
  transition: all var(--transition-interactive);
}
.value-card:hover {
  border-color: var(--color-accent);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.value-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-lg);
  background: var(--color-primary-highlight);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
  color: var(--color-primary);
}
[data-theme="dark"] .value-icon {
  background: var(--color-primary-highlight);
  color: var(--color-accent);
}

.value-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.value-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* ── HOW IT WORKS ── */
.how-it-works {
  background: var(--color-bg);
}

.how-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-20);
  align-items: center;
  margin-top: var(--space-12);
}

.how-steps {
  display: flex;
  flex-direction: column;
  gap: var(--space-8);
}

.how-step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: var(--space-6);
  align-items: start;
}

.step-num {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  flex-shrink: 0;
}

.step-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.step-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
}

.how-image {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4/5;
  background: var(--color-primary);
}

.how-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.85;
}

.how-image-overlay {
  position: absolute;
  bottom: var(--space-8);
  left: var(--space-8);
  right: var(--space-8);
  background: rgba(15,20,25,0.85);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  color: #fff;
}

.overlay-label {
  font-size: var(--text-xs);
  color: var(--color-accent);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: var(--space-3);
}

.overlay-quote {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-style: italic;
  line-height: 1.5;
}

/* ── LOAN PRODUCTS ── */
.financing-section {
  background: var(--color-surface);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--space-6);
  margin-top: var(--space-12);
}

.product-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  transition: all var(--transition-interactive);
}
.product-card:hover {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.product-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
}

.product-name {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text);
}

.product-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  flex: 1;
}

.product-link {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-accent);
  display: flex;
  align-items: center;
  gap: var(--space-1);
  margin-top: auto;
}

/* ── STATS BAND ── */
.stats-band {
  background: var(--color-primary);
  padding-block: var(--space-16);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-8);
  text-align: center;
}

.stat-value {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--color-accent);
  display: block;
  margin-bottom: var(--space-2);
}

.stat-label {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
  line-height: 1.4;
}

/* ── TESTIMONIALS / TRUST ── */
.trust-section {
  background: var(--color-bg);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
  margin-top: var(--space-12);
}

.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  position: relative;
}

.testimonial-card::before {
  content: '"';
  position: absolute;
  top: var(--space-4);
  right: var(--space-6);
  font-family: var(--font-display);
  font-size: 72px;
  line-height: 1;
  color: var(--color-accent);
  opacity: 0.25;
}

.testimonial-text {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: var(--space-6);
  font-style: italic;
}

.testimonial-author {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
}

.testimonial-role {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-1);
}

.stars {
  display: flex;
  gap: var(--space-1);
  margin-bottom: var(--space-4);
  color: var(--color-accent);
}

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, #0d2035 0%, #1b3a5c 100%);
  padding-block: var(--space-24);
  text-align: center;
}

.cta-band .section-eyebrow { justify-content: center; }
.cta-band .section-eyebrow::before { display: none; }
.cta-band .section-title { color: #fff; }
.cta-band .section-subtitle { color: rgba(255,255,255,0.7); margin-inline: auto; }

.cta-actions {
  display: flex;
  gap: var(--space-4);
  justify-content: center;
  margin-top: var(--space-8);
  flex-wrap: wrap;
}

/* ── FOOTER ── */
.site-footer {
  background: var(--color-surface);
  border-top: 1px solid var(--color-divider);
  padding-block: var(--space-16);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-12);
  margin-bottom: var(--space-12);
}

.footer-brand-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-top: var(--space-4);
  max-width: 32ch;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  text-decoration: none;
  margin-top: var(--space-3);
}
.footer-contact-item:hover { color: var(--color-accent); }

.footer-heading {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-5);
  letter-spacing: 0.02em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-links a {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  text-decoration: none;
}
.footer-links a:hover { color: var(--color-accent); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: var(--space-8);
  border-top: 1px solid var(--color-divider);
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  flex-wrap: wrap;
  gap: var(--space-4);
}

.footer-bottom a {
  color: var(--color-text-faint);
  text-decoration: none;
}
.footer-bottom a:hover { color: var(--color-accent); }

/* ── INNER PAGE HERO ── */
.page-hero {
  background: linear-gradient(135deg, #0d2035 0%, #1b3a5c 100%);
  padding-block: clamp(var(--space-20), 10vw, var(--space-32));
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 60px 60px;
}
.page-hero .section-eyebrow { justify-content: center; }
.page-hero .section-eyebrow::before { display: none; }
.page-hero .section-title { color: #fff; max-width: 16ch; margin-inline: auto; }
.page-hero .section-subtitle { color: rgba(255,255,255,0.7); margin-inline: auto; max-width: 55ch; margin-top: var(--space-4); }

/* ── ABOUT PAGE ── */
.about-intro {
  background: var(--color-surface);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-20);
  align-items: center;
}

.about-portrait {
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 3/4;
  background: var(--color-primary);
  position: relative;
}

.about-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.about-badge {
  position: absolute;
  bottom: var(--space-8);
  left: var(--space-6);
  background: rgba(15,20,25,0.9);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-5);
  color: #fff;
}

.badge-value {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-accent);
  display: block;
}

.badge-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
}

.credentials {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-top: var(--space-8);
}

.credential-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  padding: var(--space-5);
  background: var(--color-bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
}

.credential-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}

.credential-title {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-1);
}

.credential-desc {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.6;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
  margin-top: var(--space-12);
}

/* ── FINANCING PAGE ── */
.financing-detail {
  background: var(--color-surface);
}

.financing-detail-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-6);
  margin-top: var(--space-12);
}

.financing-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  transition: all var(--transition-interactive);
}

.financing-card:hover {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-md);
}

.financing-card-header {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  margin-bottom: var(--space-5);
}

.financing-card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-lg);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}

.financing-card-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.financing-card-tag {
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-accent);
}

.financing-card-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: var(--space-5);
}

.financing-card-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.financing-card-features li {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.financing-card-features li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: var(--radius-full);
  background: var(--color-accent);
  flex-shrink: 0;
}

/* ── CALCULATORS ── */
.calc-section {
  background: var(--color-bg);
}

.calc-tabs {
  display: flex;
  gap: var(--space-2);
  margin-bottom: var(--space-8);
  flex-wrap: wrap;
}

.calc-tab {
  padding: var(--space-3) var(--space-6);
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: 500;
  cursor: pointer;
  border: 1.5px solid var(--color-border);
  background: var(--color-surface);
  color: var(--color-text-muted);
  transition: all var(--transition-interactive);
}

.calc-tab.active {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
}

.calc-tab:hover:not(.active) {
  border-color: var(--color-accent);
  color: var(--color-text);
}

.calc-panel {
  display: none;
}
.calc-panel.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  align-items: start;
}

.calc-inputs {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.calc-results {
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  position: sticky;
  top: 100px;
}

.calc-input-group {
  margin-bottom: var(--space-6);
}

.calc-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.calc-input {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-bg);
  color: var(--color-text);
  font-size: var(--text-base);
  transition: border-color var(--transition-interactive);
}

.calc-input:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px var(--color-accent-light);
}

.calc-input-hint {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  margin-top: var(--space-1);
}

.calc-result-title {
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: var(--space-6);
}

.calc-result-primary {
  margin-bottom: var(--space-6);
}

.result-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.6);
  margin-bottom: var(--space-1);
}

.result-value {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--color-accent);
}

.calc-result-breakdown {
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--text-sm);
}
.breakdown-label { color: rgba(255,255,255,0.6); }
.breakdown-value { color: #fff; font-weight: 500; }

.calc-disclaimer {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.4);
  margin-top: var(--space-5);
  line-height: 1.6;
}

.calc-btn {
  width: 100%;
  padding: var(--space-4);
  background: var(--color-accent);
  color: #fff;
  border: none;
  border-radius: var(--radius-md);
  font-size: var(--text-base);
  font-weight: 600;
  cursor: pointer;
  margin-top: var(--space-6);
  transition: all var(--transition-interactive);
}
.calc-btn:hover {
  background: var(--color-accent-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* ── CASE STUDY ── */
.case-study-section {
  background: var(--color-surface);
}

.case-study-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
  margin-top: var(--space-12);
  margin-bottom: var(--space-16);
}

.scenario-box {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.scenario-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-5);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.scenario-detail {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-block: var(--space-3);
  border-bottom: 1px solid var(--color-divider);
  font-size: var(--text-sm);
}
.scenario-detail:last-child { border-bottom: none; }
.scenario-key { color: var(--color-text-muted); }
.scenario-val { font-weight: 600; color: var(--color-text); }

.lender-comparison {
  margin-block: var(--space-16);
}

.lender-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: var(--space-8);
}

.lender-table th {
  background: var(--color-primary);
  color: #fff;
  font-size: var(--text-sm);
  font-weight: 500;
  padding: var(--space-4) var(--space-5);
  text-align: left;
}

.lender-table th:first-child { border-radius: var(--radius-md) 0 0 0; }
.lender-table th:last-child { border-radius: 0 var(--radius-md) 0 0; }

.lender-table td {
  padding: var(--space-4) var(--space-5);
  border-bottom: 1px solid var(--color-divider);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  vertical-align: middle;
}

.lender-table tr:hover td { background: var(--color-surface-offset); }

.lender-table .highlight-row td {
  background: var(--color-accent-light);
  color: var(--color-text);
  font-weight: 600;
}
[data-theme="dark"] .lender-table .highlight-row td {
  background: rgba(212,168,67,0.12);
}

.lender-table .highlight-row td:first-child {
  border-left: 3px solid var(--color-accent);
}

.badge-best {
  display: inline-block;
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  background: var(--color-accent);
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-left: var(--space-2);
}

.outcome-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
  margin-top: var(--space-12);
}

.outcome-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  text-align: center;
}

.outcome-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  margin-inline: auto;
  margin-bottom: var(--space-5);
}

.outcome-value {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: var(--space-2);
}
[data-theme="dark"] .outcome-value { color: var(--color-accent); }

.outcome-label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}

.outcome-desc {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.6;
}

.timeline {
  margin-top: var(--space-12);
  position: relative;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 28px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--color-divider);
}

.timeline-item {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: var(--space-6);
  margin-bottom: var(--space-8);
  position: relative;
}

.timeline-dot {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.timeline-phase {
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-2);
}

.timeline-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.timeline-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.75;
}

/* ── CONTACT PAGE ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: var(--space-16);
  margin-top: var(--space-12);
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-5);
  padding: var(--space-6);
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  margin-bottom: var(--space-4);
  text-decoration: none;
  color: inherit;
  transition: all var(--transition-interactive);
}
.contact-info-item:hover {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-md);
}

.contact-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-lg);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}

.contact-label {
  font-size: var(--text-xs);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: var(--space-1);
}

.contact-value {
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text);
}

.contact-form-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.form-group.full { grid-column: 1 / -1; }

.form-label {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text);
}

.form-input, .form-select, .form-textarea {
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-bg);
  color: var(--color-text);
  font-size: var(--text-base);
  transition: border-color var(--transition-interactive);
  width: 100%;
}

.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px var(--color-accent-light);
}

.form-textarea {
  resize: vertical;
  min-height: 120px;
}

.form-submit {
  width: 100%;
  padding: var(--space-4);
  background: var(--color-primary);
  color: #fff;
  border: none;
  border-radius: var(--radius-md);
  font-size: var(--text-base);
  font-weight: 600;
  cursor: pointer;
  margin-top: var(--space-4);
  transition: all var(--transition-interactive);
}
.form-submit:hover {
  background: var(--color-primary-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .value-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); }
  .how-grid { grid-template-columns: 1fr; }
  .how-image { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .case-study-intro { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .financing-detail-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--color-surface);
    border-bottom: 1px solid var(--color-divider);
    padding: var(--space-6);
    gap: var(--space-4);
    z-index: 200;
  }
  .nav-mobile-toggle { display: flex; }
  .nav-cta .btn-primary { display: none; }
  .value-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .outcome-grid { grid-template-columns: 1fr; }
  .calc-panel.active { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .lender-table { font-size: var(--text-xs); }
  .lender-table th, .lender-table td { padding: var(--space-3); }
}