/* ── Variables ── */
:root {
  --navy: #0c2340;
  --navy-light: #1a3a5c;
  --gold: #c9a84c;
  --gold-hover: #b8943f;
  --cream: #f8f6f2;
  --white: #ffffff;
  --text: #2d3748;
  --text-muted: #64748b;
  --border: #e2e8f0;
  --shadow: 0 4px 24px rgba(12, 35, 64, 0.08);
  --shadow-lg: 0 12px 40px rgba(12, 35, 64, 0.12);
  --radius: 12px;
  --radius-sm: 8px;
  --font-body: "DM Sans", system-ui, sans-serif;
  --font-display: "Playfair Display", Georgia, serif;
  --header-h: 72px;
  --transition: 0.25s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
address { font-style: normal; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: 1rem; }

.container {
  width: min(1140px, 100% - 2rem);
  margin-inline: auto;
}

/* ── Typography ── */
.eyebrow {
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.2;
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.25rem); }
h3 { font-size: 1.125rem; font-family: var(--font-body); font-weight: 700; }

.section-head {
  text-align: center;
  margin-bottom: 3rem;
}
.section-head p {
  color: var(--text-muted);
  margin-top: 0.75rem;
  max-width: 540px;
  margin-inline: auto;
}
.section-head--light h2 { color: var(--white); }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.9375rem;
  transition: background var(--transition), color var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary {
  background: var(--gold);
  color: var(--navy);
}
.btn--primary:hover {
  background: var(--gold-hover);
  box-shadow: 0 4px 16px rgba(201, 168, 76, 0.35);
}
.btn--outline {
  border: 2px solid var(--white);
  color: var(--white);
  background: transparent;
}
.btn--outline:hover { background: rgba(255,255,255,0.1); }
.btn--ghost {
  border: 2px solid rgba(255,255,255,0.4);
  color: var(--white);
  background: transparent;
}
.btn--ghost:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn--sm { padding: 0.625rem 1.25rem; font-size: 0.875rem; }
.btn--lg { padding: 1rem 2.25rem; font-size: 1rem; }
.btn--full { width: 100%; }

/* ── Header ── */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  height: var(--header-h);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 1.5rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  flex-shrink: 0;
}
.logo__mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.125rem;
  border-radius: var(--radius-sm);
}
.logo__text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--navy);
}
.nav {
  display: flex;
  gap: 2rem;
}
.nav a {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--text);
  transition: color var(--transition);
}
.nav a:hover { color: var(--gold); }
.header__actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.header__phone {
  font-weight: 600;
  color: var(--navy);
  font-size: 0.9375rem;
}
.header__phone:hover { color: var(--gold); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  padding: calc(var(--header-h) + 3rem) 0 4rem;
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, rgba(12,35,64,0.92) 0%, rgba(26,58,92,0.85) 50%, rgba(12,35,64,0.9) 100%),
    url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1600&q=80") center/cover no-repeat;
  z-index: -1;
}
.hero__content {
  max-width: 680px;
  color: var(--white);
}
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero__lead {
  font-size: 1.125rem;
  opacity: 0.9;
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

/* ── Services ── */
.services {
  padding: 5rem 0;
  background: var(--cream);
}
.services__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.service-card {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.service-card__icon {
  font-size: 1.75rem;
  margin-bottom: 1rem;
}
.service-card h3 { margin-bottom: 0.75rem; }
.service-card p {
  color: var(--text-muted);
  font-size: 0.9375rem;
}

/* ── Solutions / Tabs ── */
.solutions {
  padding: 5rem 0;
  background: var(--navy);
}
.tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  justify-content: center;
  margin-bottom: 2rem;
}
.tabs__btn {
  padding: 0.625rem 1.25rem;
  border-radius: 999px;
  font-size: 0.875rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  border: 1px solid rgba(255,255,255,0.2);
  transition: all var(--transition);
}
.tabs__btn:hover { color: var(--white); border-color: rgba(255,255,255,0.5); }
.tabs__btn.active {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.tabs__panels {
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius);
  padding: 2.5rem;
  text-align: center;
  max-width: 720px;
  margin-inline: auto;
}
.tabs__panel p {
  color: rgba(255,255,255,0.85);
  font-size: 1.0625rem;
  margin-bottom: 1.75rem;
  line-height: 1.7;
}
.tabs__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

/* ── Stats ── */
.stats {
  padding: 4rem 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat__value {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 700;
  color: var(--navy);
}
.stat__label {
  display: block;
  font-size: 0.9375rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
}

/* ── Lenders ── */
.lenders {
  padding: 5rem 0;
  background: var(--cream);
}
.lenders__grid {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}
.lender-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.875rem 1.75rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 0.9375rem;
  color: var(--navy);
  min-width: 120px;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.lender-badge:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow);
}

/* ── Testimonials ── */
.testimonials {
  padding: 5rem 0;
}
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.testimonial {
  background: var(--cream);
  padding: 2rem;
  border-radius: var(--radius);
  border-left: 4px solid var(--gold);
}
.testimonial p {
  font-size: 0.9375rem;
  color: var(--text);
  margin-bottom: 1.25rem;
  line-height: 1.7;
}
.testimonial footer strong {
  display: block;
  color: var(--navy);
  font-size: 0.9375rem;
}
.testimonial footer span {
  font-size: 0.8125rem;
  color: var(--text-muted);
}

/* ── CTA Banner ── */
.cta-banner {
  padding: 4rem 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}
.cta-banner__inner {
  text-align: center;
}
.cta-banner h2 {
  color: var(--white);
  margin-bottom: 1.5rem;
}

/* ── Contact ── */
.contact {
  padding: 5rem 0;
  background: var(--white);
}
.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 3rem;
  align-items: start;
}
.contact__info h2 { margin-bottom: 0.75rem; }
.contact__info > p {
  color: var(--text-muted);
  margin-bottom: 2rem;
}
.contact__details {
  list-style: none;
  margin-bottom: 2rem;
}
.contact__details li {
  margin-bottom: 1rem;
}
.contact__details strong {
  display: block;
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-muted);
  margin-bottom: 0.25rem;
}
.contact__details a {
  color: var(--navy);
  font-weight: 600;
  font-size: 1.0625rem;
}
.contact__details a:hover { color: var(--gold); }
.locations h3 {
  font-family: var(--font-body);
  font-size: 1rem;
  margin-bottom: 1rem;
}
.locations address {
  font-size: 0.9375rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
  line-height: 1.6;
}
.locations address strong { color: var(--navy); }

.contact-form {
  background: var(--cream);
  padding: 2rem;
  border-radius: var(--radius);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.form-group {
  margin-bottom: 1rem;
}
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 0.375rem;
  color: var(--navy);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.2);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-note {
  text-align: center;
  margin-top: 1rem;
  font-size: 0.875rem;
  min-height: 1.25rem;
}
.form-note.success { color: #059669; }
.form-note.error { color: #dc2626; }

/* ── Footer ── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 3rem 0 2rem;
}
.footer__inner {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 2rem;
  align-items: start;
}
.logo--footer .logo__text { color: var(--white); }
.footer__brand p {
  margin-top: 0.75rem;
  font-size: 0.9375rem;
  max-width: 320px;
}
.footer__links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.footer__links a {
  font-size: 0.9375rem;
  transition: color var(--transition);
}
.footer__links a:hover { color: var(--gold); }
.footer__copy {
  grid-column: 1 / -1;
  font-size: 0.8125rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}

/* ── Responsive ── */
@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav {
    position: fixed;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 1.5rem 2rem 2rem;
    gap: 0;
    border-bottom: 1px solid var(--border);
    transform: translateY(-110%);
    opacity: 0;
    pointer-events: none;
    transition: transform var(--transition), opacity var(--transition);
  }
  .nav.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }
  .nav a {
    padding: 0.875rem 0;
    border-bottom: 1px solid var(--border);
  }
  .header__phone { display: none; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .contact__grid { grid-template-columns: 1fr; }
  .footer__inner { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .hero { min-height: auto; padding-bottom: 3rem; }
  .hero__cta { flex-direction: column; }
  .hero__cta .btn { width: 100%; }
  .form-row { grid-template-columns: 1fr; }
  .tabs__panels { padding: 1.5rem; }
  .tabs__actions { flex-direction: column; }
  .tabs__actions .btn { width: 100%; }
  .header__actions .btn--sm { display: none; }
  .stats__grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
}