/* Easy Lends — Premium fintech theme */
:root {
  --navy-950: #0a1628;
  --navy-900: #0f2744;
  --navy-800: #153a5c;
  --blue-600: #1e5a8a;
  --blue-500: #2a6fa3;
  --gold-500: #c9a227;
  --gold-400: #d4af37;
  --gold-300: #e8c547;
  --white: #ffffff;
  --slate-100: #f1f5f9;
  --slate-200: #e2e8f0;
  --slate-500: #64748b;
  --slate-600: #475569;
  --slate-800: #1e293b;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(10, 22, 40, 0.06);
  --shadow-md: 0 8px 24px rgba(10, 22, 40, 0.08);
  --shadow-lg: 0 24px 48px rgba(10, 22, 40, 0.12);
  --font-sans: "DM Sans", system-ui, sans-serif;
  --font-display: "Fraunces", Georgia, serif;
  --header-h: 72px;
  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--slate-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--blue-600);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover {
  color: var(--navy-900);
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--gold-400);
  outline-offset: 2px;
}

.skip-link {
  position: absolute;
  top: -100px;
  left: 16px;
  z-index: 1000;
  padding: 12px 20px;
  background: var(--navy-900);
  color: var(--white);
  border-radius: var(--radius-sm);
  font-weight: 600;
}

.skip-link:focus {
  top: 16px;
}

.container {
  width: min(1120px, 100% - 32px);
  margin-inline: auto;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--slate-200);
  transition: box-shadow var(--transition);
}

.site-header.is-scrolled {
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--navy-900);
}

.logo-mark {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--blue-600) 100%);
  display: grid;
  place-items: center;
  color: var(--gold-300);
  font-size: 0.85rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}

.nav-toggle span {
  width: 20px;
  height: 2px;
  background: var(--navy-900);
  border-radius: 1px;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-list a {
  display: block;
  padding: 10px 14px;
  color: var(--slate-600);
  font-weight: 500;
  font-size: 0.9375rem;
  border-radius: var(--radius-sm);
}

.nav-list a:hover,
.nav-list a[aria-current="page"] {
  color: var(--navy-900);
  background: var(--slate-100);
}

.nav-cta {
  margin-left: 8px;
}

@media (max-width: 900px) {
  .nav-toggle {
    display: flex;
  }

  .nav {
    position: fixed;
    inset: var(--header-h) 0 auto 0;
    background: var(--white);
    border-bottom: 1px solid var(--slate-200);
    padding: 16px;
    transform: translateY(-120%);
    opacity: 0;
    visibility: hidden;
    transition: transform var(--transition), opacity var(--transition), visibility var(--transition);
  }

  .nav.is-open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .nav-list {
    flex-direction: column;
    align-items: stretch;
  }

  .nav-cta {
    margin-left: 0;
    margin-top: 8px;
  }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
}

.btn:active {
  transform: scale(0.98);
}

.btn-primary {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--blue-600) 100%);
  color: var(--white);
  box-shadow: var(--shadow-md);
}

.btn-primary:hover {
  box-shadow: var(--shadow-lg);
  color: var(--white);
}

.btn-secondary {
  background: var(--white);
  color: var(--navy-900);
  border: 2px solid var(--slate-200);
}

.btn-secondary:hover {
  border-color: var(--gold-400);
  color: var(--navy-900);
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-300) 100%);
  color: var(--navy-950);
}

.btn-gold:hover {
  color: var(--navy-950);
  box-shadow: var(--shadow-md);
}

.btn-block {
  width: 100%;
}

/* Hero */
.hero {
  position: relative;
  padding: clamp(48px, 8vw, 96px) 0 clamp(64px, 10vw, 120px);
  background: linear-gradient(165deg, var(--slate-100) 0%, var(--white) 45%, #eef4f9 100%);
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  top: -20%;
  right: -10%;
  width: min(60vw, 520px);
  height: min(60vw, 520px);
  background: radial-gradient(circle, rgba(42, 111, 163, 0.12) 0%, transparent 70%);
  pointer-events: none;
  animation: float 18s ease-in-out infinite;
}

.hero::after {
  content: "";
  position: absolute;
  bottom: -15%;
  left: -5%;
  width: min(50vw, 400px);
  height: min(50vw, 400px);
  background: radial-gradient(circle, rgba(201, 162, 39, 0.1) 0%, transparent 70%);
  pointer-events: none;
  animation: float 22s ease-in-out infinite reverse;
}

@keyframes float {
  0%,
  100% {
    transform: translate(0, 0);
  }
  50% {
    transform: translate(-12px, 12px);
  }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}

@media (min-width: 900px) {
  .hero-grid {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 64px;
  }
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 999px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy-800);
  margin-bottom: 20px;
  box-shadow: var(--shadow-sm);
}

.hero-badge svg {
  flex-shrink: 0;
  color: var(--gold-500);
}

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 5vw, 3.25rem);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy-900);
  margin: 0 0 20px;
  letter-spacing: -0.02em;
}

.hero-lead {
  font-size: 1.125rem;
  color: var(--slate-600);
  max-width: 36ch;
  margin: 0 0 28px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 36px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px 28px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-600);
}

.trust-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  display: grid;
  place-items: center;
  color: var(--blue-600);
}

.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--slate-200);
  animation: rise 0.8s ease-out both;
}

@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero-card h2 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--navy-900);
  margin: 0 0 8px;
}

.hero-card p {
  margin: 0 0 20px;
  font-size: 0.9375rem;
  color: var(--slate-600);
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  padding-top: 20px;
  border-top: 1px solid var(--slate-200);
}

.stat {
  text-align: center;
}

.stat strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--navy-900);
}

.stat span {
  font-size: 0.75rem;
  color: var(--slate-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* Sections */
.section {
  padding: clamp(56px, 8vw, 96px) 0;
}

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

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 48px;
}

.section-eyebrow {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-500);
  margin: 0 0 12px;
}

.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3.5vw, 2.25rem);
  color: var(--navy-900);
  margin: 0 0 16px;
  letter-spacing: -0.02em;
}

.section-header p {
  margin: 0;
  color: var(--slate-600);
  font-size: 1.0625rem;
}

/* Cards grid */
.cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 640px) {
  .cards-grid.cols-2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .cards-grid.cols-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1px solid var(--slate-200);
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.card:hover {
  border-color: rgba(42, 111, 163, 0.25);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy-900), var(--blue-600));
  color: var(--gold-300);
  display: grid;
  place-items: center;
  margin-bottom: 16px;
}

.card h3 {
  font-size: 1.125rem;
  color: var(--navy-900);
  margin: 0 0 10px;
}

.card p,
.card li {
  font-size: 0.9375rem;
  color: var(--slate-600);
  margin: 0;
}

.card ul {
  margin: 12px 0 0;
  padding-left: 1.2em;
}

.card .btn {
  margin-top: 20px;
}

/* Partners */
.partners {
  background: linear-gradient(180deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--white);
  padding: clamp(56px, 8vw, 88px) 0;
  position: relative;
  overflow: hidden;
}

.partners::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: 1;
  pointer-events: none;
}

.partners .container {
  position: relative;
  z-index: 1;
}

.partners .section-header h2 {
  color: var(--white);
}

.partners .section-header p {
  color: rgba(255, 255, 255, 0.85);
}

.partners-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

@media (min-width: 640px) {
  .partners-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

@media (min-width: 900px) {
  .partners-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
  }
}

.partner-tile {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md);
  padding: 24px 16px;
  text-align: center;
  transition: background var(--transition), border-color var(--transition), transform var(--transition);
}

.partner-tile:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(212, 175, 55, 0.4);
  transform: translateY(-2px);
}

.partner-tile .abbr {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--gold-300);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}

.partner-tile .name {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1.35;
}

.partners-note {
  text-align: center;
  margin-top: 32px;
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.9);
  max-width: 560px;
  margin-inline: auto;
}

/* Why choose */
.why-grid {
  display: grid;
  gap: 20px;
}

@media (min-width: 640px) {
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .why-grid {
    grid-template-columns: repeat(5, 1fr);
  }
}

.why-item {
  text-align: center;
  padding: 24px 16px;
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--slate-200);
}

.why-item .icon-wrap {
  width: 56px;
  height: 56px;
  margin: 0 auto 14px;
  border-radius: 14px;
  background: var(--slate-100);
  color: var(--blue-600);
  display: grid;
  place-items: center;
}

.why-item h3 {
  font-size: 0.9375rem;
  color: var(--navy-900);
  margin: 0 0 6px;
}

.why-item p {
  font-size: 0.8125rem;
  color: var(--slate-500);
  margin: 0;
}

/* Testimonials */
.testimonial-grid {
  display: grid;
  gap: 24px;
}

@media (min-width: 768px) {
  .testimonial-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .testimonial-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.testimonial {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  border: 1px solid var(--slate-200);
  position: relative;
}

.testimonial .stars {
  color: var(--gold-500);
  font-size: 0.9375rem;
  letter-spacing: 2px;
  margin-bottom: 12px;
}

.testimonial blockquote {
  margin: 0 0 20px;
  font-size: 0.9375rem;
  color: var(--slate-600);
  font-style: normal;
  line-height: 1.65;
}

.testimonial footer {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial .avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-900), var(--blue-600));
  color: var(--gold-300);
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 0.875rem;
}

.testimonial cite {
  font-style: normal;
  font-weight: 600;
  color: var(--navy-900);
  font-size: 0.875rem;
}

.testimonial span {
  display: block;
  font-size: 0.75rem;
  color: var(--slate-500);
  font-weight: 400;
}

/* Badges strip */
.badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px 16px;
  margin-top: 40px;
}

.badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: 999px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy-800);
}

.badge-pill svg {
  color: var(--gold-500);
  flex-shrink: 0;
}

/* Forms */
.form-section {
  max-width: 640px;
  margin: 0 auto;
}

.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(24px, 4vw, 40px);
  border: 1px solid var(--slate-200);
  box-shadow: var(--shadow-md);
}

.form-steps {
  display: flex;
  gap: 8px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}

.step-dot {
  flex: 1;
  min-width: 80px;
  text-align: center;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--slate-500);
  padding: 8px;
  border-radius: var(--radius-sm);
  background: var(--slate-100);
}

.step-dot.is-active {
  background: var(--navy-900);
  color: var(--white);
}

.step-dot.is-done {
  background: rgba(42, 111, 163, 0.15);
  color: var(--blue-600);
}

label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 6px;
}

input,
select,
textarea {
  width: 100%;
  padding: 12px 14px;
  font-family: inherit;
  font-size: 1rem;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}

input:hover,
select:hover,
textarea:hover {
  border-color: var(--slate-500);
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(42, 111, 163, 0.15);
  outline: none;
}

.form-group {
  margin-bottom: 18px;
}

.form-row {
  display: grid;
  gap: 18px;
}

@media (min-width: 560px) {
  .form-row.two {
    grid-template-columns: 1fr 1fr;
  }
}

.form-hint {
  font-size: 0.75rem;
  color: var(--slate-500);
  margin-top: 6px;
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.apply-panel {
  display: none;
}

.apply-panel.is-visible {
  display: block;
  animation: rise 0.4s ease-out both;
}

.apply-panel[hidden] {
  display: none !important;
}

.form-success {
  text-align: center;
  padding: 32px 16px;
}

.form-success h3 {
  font-family: var(--font-display);
  color: var(--navy-900);
  margin: 0 0 8px;
}

/* Footer */
.site-footer {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.85);
  padding: 56px 0 32px;
}

.footer-grid {
  display: grid;
  gap: 40px;
  margin-bottom: 40px;
}

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: 1.4fr 1fr 1fr;
  }
}

.site-footer .logo {
  color: var(--white);
}

.site-footer h3 {
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gold-400);
  margin: 0 0 16px;
}

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

.site-footer li {
  margin-bottom: 10px;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.8);
}

.site-footer a:hover {
  color: var(--white);
}

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.55);
  text-align: center;
}

/* Page hero (inner pages) */
.page-hero {
  padding: clamp(40px, 6vw, 72px) 0;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--blue-600) 100%);
  color: var(--white);
  text-align: center;
}

.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  margin: 0 0 12px;
  letter-spacing: -0.02em;
}

.page-hero p {
  margin: 0 auto;
  max-width: 52ch;
  opacity: 0.92;
  font-size: 1.0625rem;
}

/* Prose */
.prose {
  max-width: 720px;
  margin: 0 auto;
}

.prose p {
  color: var(--slate-600);
  margin: 0 0 1.25em;
}

.prose h2 {
  font-family: var(--font-display);
  color: var(--navy-900);
  font-size: 1.5rem;
  margin: 2em 0 0.75em;
}

.prose ul {
  color: var(--slate-600);
  padding-left: 1.25em;
}

/* CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  color: var(--white);
  padding: clamp(48px, 6vw, 72px) 0;
  text-align: center;
}

.cta-band h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2rem);
  margin: 0 0 12px;
}

.cta-band p {
  margin: 0 auto 24px;
  opacity: 0.9;
  max-width: 480px;
}

.cta-band .btn-primary {
  background: var(--gold-400);
  color: var(--navy-950);
}

.cta-band .btn-primary:hover {
  color: var(--navy-950);
}

/* Loan detail blocks on services page */
.loan-block {
  display: grid;
  gap: 24px;
  padding: 32px 0;
  border-bottom: 1px solid var(--slate-200);
}

.loan-block:last-child {
  border-bottom: none;
}

@media (min-width: 768px) {
  .loan-block {
    grid-template-columns: 1fr 1.2fr;
    align-items: start;
    gap: 40px;
  }
}

.loan-block h2 {
  font-family: var(--font-display);
  color: var(--navy-900);
  margin: 0 0 12px;
  font-size: 1.5rem;
}

.loan-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 16px;
}

.tag {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 6px 12px;
  background: var(--slate-100);
  color: var(--navy-800);
  border-radius: 999px;
}

/* Contact page layout */
.contact-layout {
  display: grid;
  gap: 40px;
  align-items: start;
}

@media (min-width: 900px) {
  .contact-layout {
    grid-template-columns: 1.15fr 1fr;
  }
}