/* SmartLoanCash — Modern Fintech */ 

:root {
  --slate-950: #0F172A;   /* Rich Slate */
  --slate-900: #111C33;
  --slate-100: #F8FAFC;   /* Very Light Slate */
  --white: #FFFFFF;
  --text: #334155;        /* Dark Slate */
  --muted: #64748B;
  --border: #E2E8F0;
  --blue: #2563EB;        /* Electric Blue */
  --blue-hover: #1D4ED8;  /* Brighter Blue */
  --blue-soft: rgba(37, 99, 235, 0.12);
  --shadow-sm: 0 2px 10px rgba(15, 23, 42, 0.08);
  --shadow-md: 0 10px 30px rgba(15, 23, 42, 0.12);
  --shadow-lg: 0 18px 54px rgba(15, 23, 42, 0.16);
  --radius: 14px;
  --radius-lg: 18px;
  --nav-height: 72px;
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --transition: 0.22s ease;
}

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--nav-height) + 16px);
}

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  margin: 0;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, .section-title, .brand-logo, .hero-title, .form-section-label, .step-card-title, .why-card-title {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--slate-950);
  letter-spacing: -0.01em;
}

em { font-style: normal; color: var(--blue); }

a { text-decoration: none; transition: color var(--transition); }

.text-gold { color: var(--blue) !important; }

/* Buttons */
.btn-emerald {
  background-color: var(--blue);
  border: 1px solid var(--blue);
  color: var(--white);
  font-weight: 700;
  border-radius: 999px;
  padding: 0.675rem 1.5rem;
  box-shadow: 0 10px 26px rgba(37, 99, 235, 0.22);
  transition: background-color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.btn-emerald:hover,
.btn-emerald:focus {
  background-color: var(--blue-hover);
  border-color: var(--blue-hover);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 14px 34px rgba(29, 78, 216, 0.28);
}

.btn-gold {
  background-color: var(--blue);
  border: 1px solid var(--blue);
  color: var(--white);
  font-weight: 800;
  border-radius: 999px;
  padding: 0.75rem 1.6rem;
  box-shadow: 0 12px 30px rgba(37, 99, 235, 0.24);
  transition: background-color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.btn-gold:hover,
.btn-gold:focus {
  background-color: var(--blue-hover);
  border-color: var(--blue-hover);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 16px 40px rgba(29, 78, 216, 0.3);
}

.btn-outline-navy {
  border: 1px solid rgba(15, 23, 42, 0.2);
  color: var(--slate-950);
  font-weight: 700;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.75);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  transition: background-color var(--transition), border-color var(--transition), transform var(--transition);
}

.btn-outline-navy:hover,
.btn-outline-navy:focus {
  border-color: rgba(37, 99, 235, 0.35);
  background: rgba(37, 99, 235, 0.06);
  color: var(--slate-950);
  transform: translateY(-1px);
}

.btn-outline-light {
  border: 1px solid rgba(255, 255, 255, 0.35);
  color: var(--white);
  font-weight: 700;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
}

.btn-outline-light:hover,
.btn-outline-light:focus {
  background: rgba(255, 255, 255, 0.14);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.5);
}

/* Navbar */
.glass-nav {
  background: var(--slate-950);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  padding: 0.85rem 0;
  min-height: var(--nav-height);
  z-index: 1030;
}

.brand-logo {
  padding: 0;
  display: inline-flex;
  align-items: center;
  line-height: 1;
}

.brand-logo-img {
  height: 56px;
  width: auto;
  max-width: min(280px, 62vw);
  display: block;
  object-fit: contain;
}

.brand-logo:hover .brand-logo-img { opacity: 0.92; }

.glass-nav .nav-link {
  color: rgba(255, 255, 255, 0.86);
  font-weight: 600;
  padding: 0.5rem 1rem !important;
  border-radius: 999px;
  transition: background var(--transition), color var(--transition);
}

.glass-nav .nav-link:hover {
  color: var(--white);
  background: rgba(255, 255, 255, 0.08);
}

/* Hero */
.hero-section {
  padding: 4.75rem 0 5.25rem;
  padding-top: calc(var(--nav-height) + 3.5rem);
  background: radial-gradient(900px 420px at 10% 10%, rgba(37, 99, 235, 0.12) 0%, rgba(248, 250, 252, 0.0) 50%),
              linear-gradient(180deg, var(--slate-100) 0%, var(--white) 100%);
  border-bottom: 1px solid var(--border);
}

.hero-eyebrow,
.section-eyebrow {
  display: inline-block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 1rem;
}

.section-eyebrow-light { color: rgba(255, 255, 255, 0.85); }

.hero-title {
  font-size: clamp(2.1rem, 4.6vw, 3.15rem);
  line-height: 1.15;
  margin-bottom: 1.25rem;
}

.hero-subtext {
  font-size: 1.0625rem;
  color: var(--muted);
  margin-bottom: 2rem;
  max-width: 520px;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem 0.75rem;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 1rem 1.25rem;
  background: rgba(255, 255, 255, 0.78);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(226, 232, 240, 0.8);
}

.badge-divider { color: rgba(51, 65, 85, 0.25); font-weight: 400; }

/* Hero image (replaces estimated offer card) */
.hero-visual {
  margin: 0;
}

.hero-image {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(226, 232, 240, 0.9);
  box-shadow: var(--shadow-lg);
  background: var(--white);
}

/* Loan Preview Card */
.loan-preview-card {
  background: rgba(255, 255, 255, 0.84);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(226, 232, 240, 0.85);
  padding: 2rem;
  overflow: hidden;
}

.loan-preview-card::before {
  content: '';
  display: block;
  height: 6px;
  background: linear-gradient(90deg, var(--blue), rgba(37, 99, 235, 0.35));
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  margin: -2rem -2rem 1.5rem;
}

.loan-preview-label {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.loan-preview-amount {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--slate-950);
  line-height: 1;
}

.loan-preview-meta {
  font-size: 0.9rem;
  color: rgba(100, 116, 139, 0.9);
  margin-bottom: 1.25rem;
}

.loan-preview-row {
  display: flex;
  justify-content: space-between;
  padding: 0.75rem 0;
  border-bottom: 1px solid rgba(226, 232, 240, 0.9);
  font-size: 0.95rem;
}

.loan-preview-row span { color: var(--muted); }
.loan-preview-row strong { color: var(--slate-950); font-weight: 800; }

.loan-preview-footer {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-950);
  background: rgba(37, 99, 235, 0.07);
  padding: 0.9rem 1rem;
  border-radius: var(--radius);
  border: 1px solid rgba(37, 99, 235, 0.15);
}

.stat-pill {
  text-align: center;
  background: rgba(255, 255, 255, 0.85);
  border: 1px solid rgba(226, 232, 240, 0.85);
  border-radius: var(--radius);
  padding: 1rem 0.5rem;
  box-shadow: var(--shadow-sm);
}

.stat-value {
  display: block;
  font-family: var(--font-heading);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--slate-950);
}

.stat-label {
  font-size: 0.85rem;
  color: var(--muted);
  font-weight: 600;
}

/* Sections */
.section-padding {
  padding: 5rem 0;
  background: var(--white);
}

.section-title {
  font-size: clamp(1.9rem, 4vw, 2.6rem);
  line-height: 1.2;
  font-weight: 800;
}

/* Reviews */
.reviews-section {
  background: var(--slate-100);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.reviews-section.section-padding { background: var(--slate-100); }

.review-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  min-height: 280px;
  will-change: transform;
  contain: layout style;
  transition: box-shadow var(--transition), transform var(--transition);
}

.review-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.review-stars { color: var(--blue); font-size: 1rem; margin-bottom: 1.25rem; }
.review-text p { color: var(--text); line-height: 1.75; margin: 0; }
.review-author { font-weight: 800; color: var(--slate-950); }
.review-badge { color: var(--muted); }

/* Step cards */
.step-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: box-shadow var(--transition), transform var(--transition);
}

.step-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }

.step-number {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 800;
  color: rgba(37, 99, 235, 0.16);
  line-height: 1;
}

.step-icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(37, 99, 235, 0.1);
  border-radius: 14px;
  font-size: 1.4rem;
  color: var(--blue);
  margin-bottom: 1.25rem;
}

.step-card-text { color: var(--muted); }

/* Why Section */
.why-section {
  background: var(--slate-950);
  border-top: none;
  border-bottom: none;
}

.why-section .section-title { color: var(--white); }
.why-section em { color: rgba(255, 255, 255, 0.92); }

.why-card {
  text-align: center;
  padding: 2rem 1.5rem;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  height: 100%;
  transition: background var(--transition), transform var(--transition);
}

.why-card:hover { transform: translateY(-2px); background: rgba(255, 255, 255, 0.08); }

.why-icon {
  width: 54px;
  height: 54px;
  margin: 0 auto 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(37, 99, 235, 0.16);
  border-radius: 16px;
  font-size: 1.4rem;
  color: #93C5FD;
}

.why-card-title { color: var(--white); }
.why-card-text { color: rgba(255, 255, 255, 0.78); }

/* Apply Section */
.apply-section {
  background: linear-gradient(180deg, var(--slate-100) 0%, var(--white) 100%);
  border-top: 1px solid var(--border);
}

.apply-subtitle { color: var(--muted); }

/* Apply split card — image + sidebar left, form right */
.apply-split-card {
  display: grid;
  grid-template-columns: minmax(280px, 38%) 1fr;
  background: var(--white);
  border-radius: 20px;
  border: 1px solid rgba(226, 232, 240, 0.95);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 1080px;
  margin: 0 auto;
}

.apply-split-aside {
  background: var(--slate-950);
  color: var(--white);
  display: flex;
  flex-direction: column;
}

.apply-aside-visual {
  margin: 0;
  padding: 1.25rem 1.25rem 0;
}

.apply-aside-image {
  width: 100%;
  height: 200px;
  display: block;
  object-fit: cover;
  object-position: center center;
  border-radius: 14px;
}

.apply-aside-content {
  padding: 1.5rem 1.5rem 1.75rem;
  flex: 1;
}

.apply-aside-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 0.75rem;
  line-height: 1.3;
}

.apply-aside-lead {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.9375rem;
  line-height: 1.6;
  margin: 0 0 1.25rem;
}

.apply-feature-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.apply-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
}

.apply-feature-icon {
  flex-shrink: 0;
  width: 2.25rem;
  height: 2.25rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: rgba(37, 99, 235, 0.18);
  border: 1px solid rgba(147, 197, 253, 0.35);
  color: #93C5FD;
  font-size: 1rem;
}

.apply-feature-title {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.15rem;
}

.apply-feature-text {
  margin: 0;
  font-size: 0.8125rem;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.62);
}

.apply-split-form {
  padding: 2rem 2.25rem 1.5rem;
  display: flex;
  flex-direction: column;
}

.apply-split-form .progress-wrapper {
  margin-bottom: 1.75rem;
}

.progress-segments {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 0.75rem;
}

.progress-segment {
  flex: 1;
  height: 5px;
  border-radius: 999px;
  background: rgba(15, 23, 42, 0.1);
  transition: background-color 0.35s ease;
}

.progress-segment.active {
  background: var(--blue);
  box-shadow: 0 0 10px rgba(37, 99, 235, 0.35);
}

.apply-split-form .step-indicator {
  display: block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}

.apply-split-form #loanForm {
  flex: 1;
}

.form-step-actions {
  display: flex;
  justify-content: flex-end;
  margin-top: 1.5rem;
}

.form-step-actions .btn-continue {
  min-width: 9rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.35rem;
}

.apply-form-trust {
  margin: 1.25rem 0 0;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border);
  text-align: center;
  font-size: 0.75rem;
  color: var(--muted);
  line-height: 1.5;
}

.apply-form-trust i {
  color: var(--blue);
  margin-right: 0.25rem;
}

.apply-split-form .form-label {
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--slate-950);
  margin-bottom: 0.4rem;
}

.apply-split-form .form-control,
.apply-split-form .form-select {
  border-radius: 10px;
  padding: 0.7rem 0.875rem;
  font-size: 0.9375rem;
}

/* Form */
.form-card {
  background: rgba(255, 255, 255, 0.92);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 2.5rem;
  border: 1px solid rgba(226, 232, 240, 0.95);
}

.progress-wrapper { margin-bottom: 2rem; }

/* Electric blue progress bar */
.progress {
  height: 8px;
  border-radius: 999px;
  background: rgba(15, 23, 42, 0.08);
  overflow: hidden;
}

.progress-bar {
  background: var(--blue);
  border-radius: 999px;
  height: 8px;
  transition: width 0.4s ease;
  box-shadow: 0 0 14px rgba(37, 99, 235, 0.35);
}

.step-indicator { color: var(--muted); font-weight: 600; }

.form-section-label {
  font-size: 1.125rem;
  font-weight: 800;
  color: var(--slate-950);
  margin-bottom: 1.5rem;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid rgba(37, 99, 235, 0.22);
}

.deposit-heading { color: var(--muted); }
.deposit-heading i { color: var(--blue); }

.ssl-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  background: rgba(37, 99, 235, 0.06);
  border: 1px solid rgba(37, 99, 235, 0.14);
  border-radius: 14px;
  padding: 0.875rem 1.125rem;
  margin-bottom: 1.25rem;
  font-size: 0.875rem;
  color: var(--muted);
}

.ssl-badge i { font-size: 1.3rem; color: var(--blue); }
.ssl-badge strong { color: var(--slate-950); }

.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.3s ease; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-label { color: var(--slate-950); font-weight: 600; }

.form-control,
.form-select {
  border: 1px solid rgba(226, 232, 240, 0.95);
  border-radius: 14px;
  padding: 0.75rem 1rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-control:focus,
.form-select:focus {
  border-color: rgba(37, 99, 235, 0.55);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12);
  outline: none;
}

.link-gold { color: var(--blue); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }
.link-gold:hover { color: var(--blue-hover); }

.form-disclaimer { color: var(--muted); }

.success-icon { color: var(--blue); }

/* FAQ */
.faq-section { background: var(--white); }

.faq-accordion {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(226, 232, 240, 0.95);
}

.faq-accordion .accordion-item {
  border: none;
  border-bottom: 1px solid rgba(226, 232, 240, 0.95);
  background: var(--white);
}

.faq-accordion .accordion-item:last-child { border-bottom: none; }

.faq-accordion .accordion-button {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--slate-950);
  padding: 1.25rem 1.5rem;
  background: var(--white);
  box-shadow: none;
}

.faq-accordion .accordion-button:not(.collapsed) {
  background: rgba(37, 99, 235, 0.06);
  color: var(--slate-950);
}

.faq-accordion .accordion-button::after {
  background-image: url(\"data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%232563EB'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e\");
}

.faq-accordion .accordion-button:focus {
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12);
  border-color: transparent;
}

.faq-accordion .accordion-body {
  padding: 0 1.5rem 1.25rem;
  color: var(--muted);
  font-size: 0.95rem;
  line-height: 1.75;
}

/* CTA */
.cta-section {
  background: var(--slate-950);
  padding: 5rem 0;
}

.cta-section .section-title { color: var(--white); }
.cta-section em { color: #93C5FD; }

.cta-text { color: rgba(255, 255, 255, 0.78); max-width: 560px; margin-left: auto; margin-right: auto; }

/* Footer */
.site-footer {
  background: var(--slate-950);
  color: rgba(255, 255, 255, 0.78);
  padding: 2.5rem 0 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top {
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  margin-bottom: 1.5rem;
}

.footer-links a { color: rgba(255, 255, 255, 0.82); font-weight: 600; }
.footer-links a:hover { color: #93C5FD; }
.footer-divider { color: rgba(255, 255, 255, 0.25); margin: 0 0.75rem; }
.footer-disclaimer { color: rgba(255, 255, 255, 0.55); }

/* Responsive */
@media (max-width: 991.98px) {
  .hero-section { padding: 3rem 0 4rem; }
  .form-card { padding: 1.75rem; }
  .badge-divider { display: none; }

  .apply-split-card {
    grid-template-columns: 1fr;
    max-width: 560px;
  }

  .apply-aside-image { height: 220px; }
  .apply-split-form { padding: 1.75rem 1.5rem 1.25rem; }
}

@media (max-width: 575.98px) {
  .section-padding { padding: 3.5rem 0; }
  .footer-divider { display: none; }
  .footer-links { display: flex; flex-direction: column; align-items: center; gap: 0.5rem; }
  .brand-logo-img { height: 46px; max-width: min(240px, 70vw); }
}

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