/**
 * Singh Funding Group - Main Stylesheet
 * Design system matching Wix site: dark navy/green hero, gold accents, serif headings
 */

/* ==========================================================================
   CSS Custom Properties (Design Tokens)
   ========================================================================== */
:root {
  --navy: #212121;
  --navy-dark: #050506;
  --navy-mid: #1d2220;
  --green-dark: #07110b;
  --green-mid: #102619;
  --blue: #e1b443;
  --blue-dark: #c9972e;
  --gold: #e8bb47;
  --gold-light: #f0ca64;
  --gold-bright: #e8bb47;
  --light: #efefef;
  --text: #ffffff;
  --text-muted: #a6a6a8;
  --text-light: #c7c7c8;
  --white: #ffffff;
  --green-accent: #00bd6b;
  --border: #3f3f3f;
  --shadow: 0 10px 30px rgba(15, 31, 60, 0.08);
  --shadow-lg: 0 24px 60px rgba(0, 0, 0, 0.28);
  --radius: 12px;
  --radius-lg: 18px;
  --radius-xl: 22px;
  --font-serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-sans: "Inter", system-ui, -apple-system, sans-serif;
  --header-height: 76px;
  --transition: 0.2s ease;
}

/* ==========================================================================
   Reset & Base
   ========================================================================== */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--text);
  background: #08090d;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

body.menu-open {
  overflow: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

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

ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-serif);
  line-height: 1.15;
}

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

/* ==========================================================================
   Typography Utilities
   ========================================================================== */
.eyebrow {
  display: inline-block;
  color: var(--gold);
  font-family: var(--font-sans);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.4px;
  font-size: 0.8125rem;
  margin-bottom: 1rem;
}

.section-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 2.75rem;
}

.section-head h2 {
  font-size: clamp(1.75rem, 4vw, 2.375rem);
  margin: 0 0 0.75rem;
}

.section-head p {
  color: var(--text-muted);
  margin: 0;
  font-size: 1.0625rem;
}

.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-muted { color: var(--text-muted); }

/* ==========================================================================
   Buttons
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: 10px;
  padding: 0.8125rem 1.375rem;
  font-weight: 700;
  font-size: 0.9375rem;
  border: none;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  font-family: var(--font-sans);
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: var(--gold-bright);
  color: var(--navy);
}

.btn-primary:hover {
  background: var(--gold-light);
  box-shadow: 0 8px 24px rgba(201, 168, 76, 0.35);
}

.btn-secondary {
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.45);
  color: var(--white);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.08);
}

.btn-lg {
  padding: 1rem 2rem;
  font-size: 1rem;
  border-radius: 12px;
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-header {
  background: rgba(0, 0, 0, 0.97);
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.15);
  backdrop-filter: blur(14px);
}

.nav {
  min-height: var(--header-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.4px;
  font-size: 0.875rem;
}

.site-logo {
  width: 205px;
  height: auto;
  max-height: 62px;
  object-fit: contain;
}

.site-logo-footer {
  width: 185px;
}

.brand-logo {
  width: 44px;
  height: 44px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--gold);
  font-size: 1.125rem;
  font-weight: 900;
  flex-shrink: 0;
}

.brand-text {
  line-height: 1.2;
}

.brand-text span {
  display: block;
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1rem;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  font-size: 0.875rem;
}

.nav-links a {
  color: rgba(255, 255, 255, 0.85);
  transition: color var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
}

/* Solutions dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-toggle {
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.85);
  font: inherit;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0;
}

.nav-dropdown-toggle:hover {
  color: var(--gold);
}

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 0.75rem);
  left: 50%;
  transform: translateX(-50%);
  background: #111214;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 240px;
  padding: 0.5rem 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition), visibility var(--transition);
  z-index: 200;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
}

.nav-dropdown-menu a {
  display: block;
  padding: 0.625rem 1.25rem;
  color: var(--white);
  font-size: 0.875rem;
  transition: background var(--transition), color var(--transition);
}

.nav-dropdown-menu a:hover {
  background: rgba(255, 255, 255, 0.05);
  color: var(--gold);
}

.nav-dropdown-detail {
  display: block;
  margin-top: 0.2rem;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.75rem;
  font-weight: 400;
}

.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 0.625rem 1.125rem;
  border-radius: 8px;
  font-weight: 700;
}

.nav-cta:hover {
  background: var(--gold-bright);
  color: var(--navy) !important;
}

/* Mobile menu toggle */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  cursor: pointer;
  padding: 0.25rem;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero {
  background:
    radial-gradient(ellipse at 85% 18%, rgba(198, 150, 51, 0.2), transparent 45%),
    radial-gradient(ellipse at 10% 85%, rgba(0, 122, 62, 0.3), transparent 42%),
    linear-gradient(135deg, #08110b 0%, #17231c 52%, #282119 100%);
  color: var(--white);
  padding: 5rem 0 4.5rem;
}

.hero-content {
  text-align: center;
  max-width: 820px;
  margin: 0 auto;
}

/* Trust badges row */
.trust-badges {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 999px;
  padding: 0.5rem 1rem;
  font-size: 0.8125rem;
}

.trust-badge strong {
  color: var(--gold);
  font-size: 1rem;
}

.hero h1 {
  font-size: clamp(2.25rem, 5.5vw, 3.25rem);
  margin: 0 0 1.25rem;
  font-weight: 700;
}

.hero h1 .highlight {
  color: var(--gold);
}

.hero-subtitle {
  font-size: clamp(0.9375rem, 2vw, 1.0625rem);
  color: var(--text-light);
  max-width: 640px;
  margin: 0 auto 2.5rem;
  line-height: 1.7;
}

/* Capital slider widget */
.capital-widget {
  background: rgba(0, 0, 0, 0.35);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  padding: 1.75rem 2rem;
  max-width: 560px;
  margin: 0 auto;
}

.capital-widget-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1rem;
}

.capital-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gold);
}

.capital-amount {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
}

.capital-slider {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 999px;
  outline: none;
  margin: 0.75rem 0 1.5rem;
}

.capital-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold-bright);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

.capital-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold-bright);
  cursor: pointer;
  border: none;
}

.capital-disclaimer {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
  margin-top: 0.875rem;
}

/* ==========================================================================
   Sections
   ========================================================================== */
section {
  padding: 4.875rem 0;
}

section.soft-bg {
  background:
    radial-gradient(ellipse at 50% 100%, rgba(0, 117, 59, 0.18), transparent 48%),
    #08090d;
}

section.dark-bg {
  background: #08090d;
  color: var(--white);
}

/* Featured in logos */
.featured-logos {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 2.5rem;
  flex-wrap: wrap;
  padding: 2.5rem 0;
}

.featured-logos h5 {
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-muted);
  margin: 0;
  opacity: 0.7;
}

/* Process steps */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.step-card {
  background: linear-gradient(180deg, #252525 0%, #181818 100%);
  border: 1px solid #464646;
  border-radius: var(--radius-lg);
  padding: 1.625rem;
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}

.step-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.step-num {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gold);
  opacity: 1;
  line-height: 1;
  margin-bottom: 0.75rem;
}

.step-card h3 {
  font-size: 1.125rem;
  margin: 0 0 0.5rem;
}

.step-card p {
  color: var(--text-muted);
  font-size: 0.875rem;
  margin: 0 0 0.75rem;
}

.step-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.375rem;
}

.step-tag {
  font-size: 0.6875rem;
  font-weight: 600;
  background: rgba(0, 189, 107, 0.16);
  color: #65e7a5;
  border: 1px solid rgba(0, 189, 107, 0.38);
  padding: 0.25rem 0.625rem;
  border-radius: 999px;
}

/* Product cards */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.375rem;
}

.product-card {
  background: linear-gradient(180deg, #252525 0%, #181818 100%);
  border: 1px solid #464646;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: box-shadow var(--transition), transform var(--transition);
  position: relative;
  overflow: hidden;
}

.product-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-5px);
}

.product-badge {
  position: absolute;
  top: 1rem;
  right: 1rem;
  font-size: 0.625rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  background: transparent;
  color: var(--green-accent);
  border: 1px solid var(--green-accent);
  padding: 0.25rem 0.75rem;
  border-radius: 999px;
}

.product-card h3 {
  font-size: 1.125rem;
  margin: 0 0 0.375rem;
}

.product-card .subtitle {
  color: var(--text-muted);
  font-size: 0.875rem;
  margin-bottom: 1rem;
}

.product-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.product-meta-label {
  font-size: 0.6875rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--text-muted);
  font-weight: 600;
}

.product-meta-value {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gold);
}

.product-card a.stretched-link {
  position: absolute;
  inset: 0;
  z-index: 1;
}

.products-section {
  background: linear-gradient(135deg, var(--green-dark), var(--green-mid));
}

/* Reviews carousel */
.reviews-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 2rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.rating-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 700;
}

.reviews-track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.review-card {
  background: linear-gradient(180deg, #252525 0%, #121212 100%);
  border: 1px solid #464646;
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: transform var(--transition), box-shadow var(--transition);
}

.review-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.review-verified {
  display: inline-flex;
  align-items: center;
  min-width: 10rem;
  justify-content: center;
  border: 1px solid var(--green-accent);
  border-radius: 999px;
  padding: 0.25rem 0.75rem;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--green-accent);
  margin-bottom: 0.5rem;
}

.review-amount {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
}

.review-text {
  font-size: 0.9375rem;
  color: var(--text-muted);
  font-style: italic;
  margin-bottom: 1.25rem;
  line-height: 1.65;
  border-bottom: 1px solid rgba(255, 255, 255, 0.55);
  padding-bottom: 1.25rem;
}

.review-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.review-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  color: var(--gold);
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 0.8125rem;
}

.review-name {
  font-weight: 700;
  font-size: 0.875rem;
}

.review-role {
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* Stats bar */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
  text-align: center;
  padding: 2.5rem 0;
}

.stat-item h3 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--gold);
  margin: 0 0 0.25rem;
}

.stat-item p {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-weight: 600;
}

/* Why choose us - dark section */
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.why-card {
  background: linear-gradient(180deg, #252525 0%, #181818 100%);
  border: 1px solid #464646;
  border-radius: var(--radius-lg);
  padding: 1.625rem;
  transition: transform var(--transition), box-shadow var(--transition);
}

.why-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
}

.why-card .step-num {
  color: var(--gold);
  opacity: 1;
}

.why-card h3 {
  font-size: 1.0625rem;
  color: var(--white);
}

.why-card p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.875rem;
}

/* CTA banner */
.cta-banner {
  background:
    radial-gradient(ellipse at center, rgba(0, 117, 59, 0.3), transparent 60%),
    linear-gradient(180deg, #0a110c, #08090d);
  color: var(--white);
  text-align: center;
  padding: 4rem 2rem;
  border-radius: 0;
}

.cta-banner h2 {
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  margin: 0 0 0.75rem;
}

.cta-banner h2 .highlight {
  color: var(--gold);
}

.cta-banner p {
  color: var(--text-light);
  max-width: 560px;
  margin: 0 auto 1.5rem;
}

/* ==========================================================================
   Forms
   ========================================================================== */
.form-card {
  background: linear-gradient(180deg, #252525 0%, #181818 100%);
  border: 1px solid #464646;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-lg);
}

.form-group {
  margin-bottom: 1rem;
}

.form-group label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 700;
  margin-bottom: 0.4375rem;
  color: var(--white);
}

.form-group label .required {
  color: #c0392b;
}

.form-control {
  width: 100%;
  padding: 0.8125rem 0.875rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 9px;
  font: inherit;
  background: rgba(255, 255, 255, 0.05);
  color: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}

select.form-control {
  color-scheme: dark;
  background-color: #171717;
  border-color: rgba(232, 187, 71, 0.45);
  cursor: pointer;
  accent-color: var(--gold);
}

select.form-control option {
  background: #171717;
  color: var(--white);
}

select.form-control option:checked,
select.form-control option:hover {
  background: var(--gold);
  color: var(--navy-dark);
}




input[type="date"].form-control {
  color-scheme: dark;
  accent-color: var(--gold);
}

input[type="date"].form-control::-webkit-calendar-picker-indicator {
  cursor: pointer;
  filter: sepia(1) saturate(2) brightness(1.15);
}

select.form-control option[value=""] {
  color: var(--text-muted);
}

.form-control:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.15);
}

.form-control.error {
  border-color: #c0392b;
}

.form-error {
  color: #c0392b;
  font-size: 0.75rem;
  margin-top: 0.25rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

textarea.form-control {
  min-height: 100px;
  resize: vertical;
}

.form-submit {
  width: 100%;
  border: 0;
  cursor: pointer;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 0.875rem 1.125rem;
  border-radius: 10px;
  font-weight: 800;
  font-size: 0.9375rem;
  transition: background var(--transition);
}

.form-submit:hover {
  background: var(--gold-light);
}

.form-submit:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

/* Affiliate program */
#benefits .benefit {
  background: linear-gradient(180deg, #252525 0%, #181818 100%) !important;
  border-color: #464646 !important;
  box-shadow: none;
}

#benefits .benefit h3 {
  color: var(--white);
}

#benefits .benefit .icon {
  background: rgba(232, 187, 71, 0.14) !important;
  color: var(--gold) !important;
}

.affiliate-partners > div {
  background: linear-gradient(180deg, #252525 0%, #181818 100%);
  border-color: #464646 !important;
  color: var(--white);
}

.affiliate-commission {
  background: linear-gradient(135deg, var(--green-dark), var(--green-mid)) !important;
  border: 1px solid rgba(232, 187, 71, 0.28);
}

.affiliate-commission .eyebrow {
  color: var(--gold);
}

@media (max-width: 768px) {
  .affiliate-partners,
  .affiliate-commission {
    grid-template-columns: 1fr !important;
  }
}

/* Multi-step application */
.apply-progress {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 2rem;
}

.apply-step-indicator {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 0.875rem;
  background: var(--light);
  color: var(--text-muted);
  border: 2px solid var(--border);
  transition: all var(--transition);
}

.apply-step-indicator.active {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}

.apply-step-indicator.completed {
  background: var(--green-accent);
  color: var(--white);
  border-color: var(--green-accent);
}

.apply-panel {
  display: none;
}

.apply-panel.active {
  display: block;
}

.apply-nav {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 1.5rem;
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  margin-bottom: 0.75rem;
}

.checkbox-group input[type="checkbox"] {
  margin-top: 0.25rem;
  flex-shrink: 0;
}

.checkbox-group label {
  font-size: 0.8125rem;
  font-weight: 400;
  line-height: 1.5;
}

/* Success message */
.form-success {
  text-align: center;
  padding: 2rem;
}

.form-success-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--green-accent);
  color: var(--white);
  display: grid;
  place-items: center;
  font-size: 2rem;
  margin: 0 auto 1rem;
}

/* ==========================================================================
   FAQ Accordion
   ========================================================================== */
.faq-list {
  max-width: 860px;
  margin: 0 auto;
}

.faq-item {
  background: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
  transition: transform var(--transition);
}

.faq-item:hover {
  transform: translateY(-2px);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 1.125rem 1.25rem;
  text-align: left;
  font: inherit;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  color: var(--white);
}

.faq-question::after {
  content: "+";
  font-size: 1.25rem;
  color: var(--gold);
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq-item.open .faq-question::after {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 500px;
}

.faq-answer-inner {
  padding: 0 1.25rem 1.125rem;
  color: var(--white);
  font-size: 0.9375rem;
  line-height: 1.65;
}

/* ==========================================================================
   Page Hero (inner pages)
   ========================================================================== */
.page-hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(197, 163, 95, 0.2), transparent 34%),
    linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  color: var(--white);
  padding: 4rem 0 3.5rem;
  text-align: center;
}

.page-hero h1 {
  font-size: clamp(2rem, 4.5vw, 2.75rem);
  margin: 0 0 0.75rem;
}

.page-hero p {
  color: var(--text-light);
  max-width: 640px;
  margin: 0 auto;
  font-size: 1.0625rem;
}

/* ==========================================================================
   Contact Page Layout
   ========================================================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.contact-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius);
  background: var(--light);
  color: var(--blue);
  display: grid;
  place-items: center;
  font-size: 1.125rem;
  flex-shrink: 0;
}

/* ==========================================================================
   Solution Page Layout
   ========================================================================== */
.solution-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.solution-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 2rem 0;
}

.solution-feature {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.9375rem;
}

.solution-feature::before {
  content: "✓";
  color: var(--green-accent);
  font-weight: 900;
}

.requirements-box {
  background: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  margin-top: 2rem;
}

.requirements-box h4 {
  margin: 0 0 0.75rem;
}

.requirements-box ul {
  list-style: disc;
  padding-left: 1.25rem;
  color: var(--text-muted);
}

.requirements-box ul li {
  margin-bottom: 0.375rem;
}

.other-solutions {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.other-solution-link {
  display: block;
  padding: 1.25rem;
  background: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius);
  transition: transform var(--transition), border-color var(--transition), box-shadow var(--transition);
}

.other-solution-link:hover {
  transform: translateY(-4px);
  border-color: var(--gold);
  box-shadow: var(--shadow);
}

.other-solution-link h4 {
  margin: 0 0 0.25rem;
  font-size: 1rem;
}

.other-solution-link p {
  margin: 0;
  font-size: 0.8125rem;
  color: var(--text-muted);
}

/* ==========================================================================
   About Page
   ========================================================================== */
.about-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin: 3rem 0;
}

.about-stat {
  text-align: center;
  padding: 1.5rem;
  background: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  transition: transform var(--transition);
}

.about-stat:hover {
  transform: translateY(-4px);
}

.about-stat h3 {
  font-size: 2rem;
  color: var(--gold);
  margin: 0 0 0.25rem;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.value-card {
  text-align: center;
  padding: 1.75rem 1.25rem;
  background: var(--navy);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  transition: transform var(--transition);
}

.value-card:hover {
  transform: translateY(-4px);
}

.value-card h3 {
  font-size: 1.125rem;
  margin: 0 0 0.5rem;
}

.value-card p {
  color: var(--text-muted);
  font-size: 0.875rem;
  margin: 0;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.75);
  padding: 3rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2rem;
}

.footer-brand h3 {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  margin: 0 0 0.75rem;
}

.footer-brand h3 .gold {
  color: var(--gold);
}

.footer-brand p {
  font-size: 0.875rem;
  line-height: 1.65;
  margin-bottom: 0.75rem;
}

.footer-brand a {
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.55);
  text-decoration: underline;
}

.footer-col h4 {
  font-family: var(--font-serif);
  color: var(--gold);
  font-size: 0.9375rem;
  margin: 0 0 1rem;
}

.footer-col ul li {
  margin-bottom: 0.5rem;
}

.footer-col a {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.75);
  transition: color var(--transition);
}

.footer-col a:hover {
  color: var(--gold);
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  margin-bottom: 0.625rem;
  font-size: 0.875rem;
}

.social-links {
  display: flex;
  gap: 0.625rem;
  margin-top: 1rem;
}

.social-link {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.25);
  display: grid;
  place-items: center;
  font-size: 0.875rem;
  transition: border-color var(--transition), color var(--transition);
}

.social-link:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.25rem;
  text-align: center;
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.45);
}

.footer-disclaimer {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.4);
  margin-top: 0.5rem;
  max-width: 800px;
  margin-inline: auto;
}

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

.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--gold);
  color: var(--navy);
  padding: 0.5rem 1rem;
  border-radius: 4px;
  font-weight: 700;
  z-index: 9999;
}

.skip-link:focus {
  top: 1rem;
}

/* Toast notification */
.toast {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  background: var(--navy);
  color: var(--white);
  padding: 1rem 1.5rem;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  z-index: 9999;
  transform: translateY(120%);
  transition: transform 0.3s ease;
}

.toast.show {
  transform: translateY(0);
}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1100px) {
  .nav {
    gap: 1rem;
  }

  .nav-links {
    gap: 1.1rem;
  }

  .steps-grid,
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 900px) {
  :root {
    --header-height: 68px;
  }

  .nav-toggle {
    display: block;
    z-index: 101;
  }

  .nav-links {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    max-height: calc(100dvh - var(--header-height));
    overflow-y: auto;
    background: var(--navy-dark);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem max(1rem, calc((100vw - 1140px) / 2));
    gap: 0;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-1rem);
    transition: opacity 0.22s ease, transform 0.22s ease;
    box-shadow: 0 14px 28px rgba(0, 0, 0, 0.35);
  }

  .nav-links.open {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .nav-links a,
  .nav-dropdown-toggle {
    width: 100%;
    padding: 0.875rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }

  .nav-cta {
    margin-top: 0.75rem;
    padding-inline: 1.125rem !important;
    text-align: center;
    border-bottom: 0 !important;
  }

  .nav-dropdown-menu {
    position: static;
    transform: none;
    min-width: 0;
    opacity: 1;
    visibility: visible;
    background: rgba(255, 255, 255, 0.05);
    box-shadow: none;
    display: none;
  }

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

  .nav-dropdown-menu a {
    padding: 0.7rem 1rem;
  }
}

@media (max-width: 1024px) {
  .steps-grid,
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .products-grid,
  .reviews-track {
    grid-template-columns: repeat(2, 1fr);
  }

  .stats-bar {
    grid-template-columns: repeat(3, 1fr);
  }

  .about-stats,
  .values-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {

  .steps-grid,
  .why-grid,
  .products-grid,
  .reviews-track,
  .stats-bar,
  .footer-grid,
  .contact-grid,
  .solution-hero-grid,
  .other-solutions {
    grid-template-columns: 1fr;
  }

  .form-row,
  .solution-features {
    grid-template-columns: 1fr;
  }

  .hero {
    padding: 3.5rem 0 3rem;
  }

  section {
    padding: 3.5rem 0;
  }

  .section-head {
    margin-bottom: 2rem;
  }

  .reviews-header {
    align-items: flex-start;
  }

  .cta-banner {
    padding-inline: 0;
  }
}

@media (max-width: 600px) {
  .container {
    width: min(calc(100% - 1.5rem), 1140px);
  }

  .brand {
    gap: 0.5rem;
  }

  .site-logo {
    width: 158px;
    max-height: 48px;
  }

  .brand-text {
    font-size: 0.75rem;
  }

  .brand-text span {
    font-size: 0.875rem;
  }

  .hero h1 br,
  .cta-banner h2 br {
    display: none;
  }

  .hero-subtitle {
    margin-bottom: 1.75rem;
  }

  .capital-widget-header {
    align-items: flex-start;
    flex-direction: column;
    gap: 0.25rem;
  }

  .capital-amount {
    font-size: 1.75rem;
  }

  .btn-lg {
    width: 100%;
    padding-inline: 1rem;
  }

  .featured-logos {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    padding: 1.5rem 0 0;
    text-align: center;
  }

  .stats-bar {
    gap: 1.5rem 0.75rem;
    padding: 0.5rem 0;
  }

  .stat-item p {
    font-size: 0.6875rem;
  }

  .form-card,
  .step-card,
  .product-card,
  .review-card,
  .why-card {
    padding: 1.25rem;
  }

  .apply-nav {
    flex-direction: column-reverse;
  }

  .apply-nav .btn,
  .apply-nav button {
    width: 100%;
  }
}

@media (max-width: 480px) {
  .trust-badges {
    flex-direction: column;
    align-items: center;
  }

  .capital-widget {
    padding: 1.25rem;
  }

  .stats-bar {
    grid-template-columns: repeat(2, 1fr);
  }

}

ul.text-muted {
    list-style-type: disc !important;
    list-style-position: outside;
    margin-left: 1.5rem;
    padding-left: 1rem;
}

ul.text-muted li {
    display: list-item !important;
    margin-bottom: 0.5rem;
}

.checkbox-group label a {
    color: #D4AF37; /* Gold */
    text-decoration: underline;
    font-weight: 600;
    transition: color 0.3s ease;
}

.checkbox-group label a:hover {
    color: #F4D03F; /* Brighter gold on hover */
}
.text-muted a {
    color: #D4AF37;           /* Gold */
    text-decoration: underline;
    font-weight: 600;
    transition: color 0.3s ease;
}