/* ============================================
   Global Lending Solutions - Modern Redesign
   ============================================ */

:root {
  --navy: #0A2540;
  --navy-light: #1a3a5c;
  --crimson: #C41E3A;
  --crimson-dark: #9e1830;
  --cream: #F8F6F3;
  --white: #FFFFFF;
  --gray-100: #F5F5F5;
  --gray-200: #E5E5E5;
  --gray-300: #D4D4D4;
  --gray-500: #737373;
  --gray-700: #404040;
  --gray-900: #171717;
  --success: #059669;
  
  --font-sans: 'Inter', system-ui, -apple-system, sans-serif;
  --font-serif: 'Playfair Display', Georgia, serif;
  
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
  
  --radius: 12px;
  --radius-sm: 8px;
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  color: var(--gray-900);
  line-height: 1.6;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

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

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ========== Top Bar ========== */
.top-bar {
  background: var(--navy);
  color: var(--white);
  font-size: 0.875rem;
  padding: 10px 0;
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.top-contact {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.top-contact a {
  display: flex;
  align-items: center;
  gap: 8px;
  opacity: 0.9;
}

.top-contact a:hover {
  opacity: 1;
}

.top-cta {
  background: var(--crimson);
  color: white;
  padding: 6px 16px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.8125rem;
}

.top-cta:hover {
  background: var(--crimson-dark);
}

/* ========== Header ========== */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  transition: var(--transition);
}

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

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
}

.logo-img {
  height: 48px;
  width: auto;
  display: block;
}

.logo-img-footer {
  height: 52px;
  width: auto;
  display: block;
  background: white;
  padding: 10px 14px;
  border-radius: 8px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-700);
  position: relative;
}

.nav-link:hover,
.nav-link.active {
  color: var(--navy);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--crimson);
  transition: width 0.25s ease;
}

.nav-link:hover::after,
.nav-link.active::after {
  width: 100%;
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  transition: var(--transition);
}

/* ========== Buttons ========== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.9375rem;
  border-radius: 999px;
  padding: 12px 28px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--crimson);
  color: white;
  border-color: var(--crimson);
}

.btn-primary:hover {
  background: var(--crimson-dark);
  border-color: var(--crimson-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-lg);
}

.btn-outline {
  background: transparent;
  color: white;
  border-color: rgba(255,255,255,0.7);
}

.btn-outline:hover {
  background: white;
  color: var(--navy);
  border-color: white;
}

.btn-sm {
  padding: 8px 18px;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1rem;
}

.btn-block {
  width: 100%;
}

/* ========== Hero ========== */
.hero {
  position: relative;
  min-height: 90vh;
  display: flex;
  align-items: center;
  color: white;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?auto=format&fit=crop&w=2000&q=80') center/cover no-repeat;
  transform: scale(1.05);
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10, 37, 64, 0.92) 0%, rgba(10, 37, 64, 0.75) 50%, rgba(196, 30, 58, 0.55) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 80px 24px 100px;
  max-width: 800px;
}

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 8px 18px;
  border-radius: 999px;
  font-size: 0.875rem;
  font-weight: 500;
  margin-bottom: 24px;
}

.hero-title {
  font-family: var(--font-serif);
  font-size: clamp(2.75rem, 6vw, 4.25rem);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.hero-subtitle {
  font-size: 1.25rem;
  opacity: 0.92;
  max-width: 560px;
  margin-bottom: 36px;
  font-weight: 400;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 56px;
}

.hero-stats {
  display: flex;
  gap: 48px;
  flex-wrap: wrap;
}

.stat {
  display: flex;
  flex-direction: column;
}

.stat-number {
  font-size: 2rem;
  font-weight: 800;
  line-height: 1;
}

.stat-label {
  font-size: 0.875rem;
  opacity: 0.8;
  margin-top: 4px;
}

/* ========== Trust Bar ========== */
.trust-bar {
  background: var(--navy);
  color: white;
  padding: 18px 0;
  text-align: center;
  font-size: 0.9375rem;
  font-weight: 500;
}

/* ========== Sections ========== */
.section {
  padding: 100px 0;
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 64px;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--crimson);
  margin-bottom: 12px;
}

.section-title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.section-desc {
  font-size: 1.125rem;
  color: var(--gray-500);
  line-height: 1.7;
}

/* ========== About ========== */
.about {
  background: var(--cream);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.about-content blockquote {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.4;
  margin-bottom: 24px;
  padding-left: 20px;
  border-left: 4px solid var(--crimson);
}

.about-content p {
  margin-bottom: 16px;
  color: var(--gray-700);
}

.about-highlights {
  display: flex;
  gap: 24px;
  margin-top: 32px;
  flex-wrap: wrap;
}

.highlight {
  background: white;
  padding: 16px 20px;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
  min-width: 140px;
}

.highlight strong {
  display: block;
  font-size: 1.125rem;
  color: var(--navy);
}

.highlight span {
  font-size: 0.8125rem;
  color: var(--gray-500);
}

.about-image {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.about-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  aspect-ratio: 4/3;
}

/* ========== Services ========== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.service-card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: var(--transition);
}

.service-card:hover {
  border-color: var(--crimson);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.service-icon {
  font-size: 2rem;
  margin-bottom: 16px;
}

.service-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.service-card p {
  font-size: 0.9375rem;
  color: var(--gray-500);
  line-height: 1.6;
}

.services-cta {
  text-align: center;
  margin-top: 48px;
}

/* ========== Team ========== */
.team {
  background: var(--gray-100);
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 40px;
  max-width: 480px;
  margin: 0 auto;
}

.team-card {
  background: white;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
}

.team-photo {
  height: 320px;
  background: var(--navy);
  overflow: hidden;
}

.team-photo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 40% 5%;
  display: block;
}

.team-info {
  padding: 28px;
}

.team-info h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-role {
  font-weight: 600;
  color: var(--crimson);
  font-size: 0.9375rem;
  margin-bottom: 4px;
}

.team-nmls {
  font-size: 0.8125rem;
  color: var(--gray-500);
  margin-bottom: 16px;
}

.team-bio {
  font-size: 0.9375rem;
  color: var(--gray-700);
  margin-bottom: 20px;
  line-height: 1.65;
}

.team-contact {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.875rem;
}

.team-contact a {
  color: var(--navy);
  font-weight: 500;
}

.team-contact a:hover {
  color: var(--crimson);
}

/* ========== Testimonials ========== */
.testimonial-highlight {
  text-align: center;
  margin-bottom: 48px;
}

.rating-big {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  background: white;
  border: 1px solid var(--gray-200);
  padding: 24px 48px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.stars {
  color: #F59E0B;
  font-size: 1.5rem;
  letter-spacing: 2px;
}

.score {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
}

.count {
  font-size: 0.875rem;
  color: var(--gray-500);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}

.testimonial-card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
  position: relative;
  transition: var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-lg);
}

.quote-icon {
  font-family: var(--font-serif);
  font-size: 4rem;
  line-height: 1;
  color: var(--crimson);
  opacity: 0.2;
  position: absolute;
  top: 12px;
  left: 20px;
}

.testimonial-text {
  font-size: 1rem;
  color: var(--gray-700);
  line-height: 1.7;
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
}

.testimonial-author strong {
  display: block;
  color: var(--navy);
  font-weight: 700;
}

.testimonial-author span {
  font-size: 0.875rem;
  color: var(--gray-500);
}

/* ========== Calculator ========== */
.calculator {
  background: var(--cream);
}

.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  background: white;
  border-radius: var(--radius);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
}

.calc-form {
  padding: 40px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
}

.form-group input,
.form-group select {
  padding: 12px 16px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-family: inherit;
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--crimson);
  box-shadow: 0 0 0 3px rgba(196, 30, 58, 0.15);
}

.calc-result {
  background: var(--navy);
  color: white;
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.result-label {
  font-size: 0.9375rem;
  opacity: 0.8;
  margin-bottom: 8px;
}

.result-amount {
  font-size: 3rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 28px;
}

.result-details {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,0.2);
}

.result-details div {
  display: flex;
  justify-content: space-between;
  font-size: 0.9375rem;
}

.result-details span {
  opacity: 0.75;
}

.calc-disclaimer {
  font-size: 0.75rem;
  opacity: 0.7;
  line-height: 1.5;
}

/* ========== Contact ========== */
.contact {
  background: white;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: start;
}

.contact-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 36px;
}

.contact-item strong {
  display: block;
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--crimson);
  margin-bottom: 6px;
}

.contact-item p,
.contact-item a {
  color: var(--gray-700);
  font-size: 0.9375rem;
}

.contact-item a:hover {
  color: var(--crimson);
}

.contact-cta-box {
  background: var(--navy);
  color: white;
  padding: 40px;
  border-radius: var(--radius);
  text-align: center;
}

.contact-cta-box h3 {
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.contact-cta-box p {
  opacity: 0.85;
  margin-bottom: 28px;
}

.or-divider {
  margin: 16px 0 !important;
  font-size: 0.875rem;
  opacity: 0.6;
}

.contact-cta-box .btn-outline {
  border-color: rgba(255,255,255,0.4);
}

.contact-cta-box .btn-outline:hover {
  background: white;
  color: var(--navy);
}

/* ========== Footer ========== */
.footer {
  background: var(--navy);
  color: white;
  padding: 64px 0 32px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: 48px;
  margin-bottom: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}

.footer-brand .logo {
  margin-bottom: 16px;
}

.footer-brand p {
  opacity: 0.7;
  font-size: 0.9375rem;
}

.footer-links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.footer-col h4 {
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
  opacity: 0.6;
}

.footer-col a,
.footer-col p {
  display: block;
  font-size: 0.9375rem;
  opacity: 0.85;
  margin-bottom: 8px;
}

.footer-col a:hover {
  opacity: 1;
  color: white;
}

.footer-legal {
  font-size: 0.75rem;
  opacity: 0.6;
  line-height: 1.6;
}

.footer-legal a {
  text-decoration: underline;
}

.copyright {
  margin-top: 20px;
  opacity: 0.8;
}

/* ========== Why Us ========== */
.why-us {
  background: white;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 28px;
}

.why-card {
  background: var(--cream);
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  transition: var(--transition);
}

.why-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.why-icon {
  font-size: 2.25rem;
  margin-bottom: 16px;
}

.why-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.why-card p {
  font-size: 0.9375rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* Featured service cards */
.featured-card {
  border: 2px solid var(--crimson);
  position: relative;
}

.featured-card::before {
  content: "Specialty";
  position: absolute;
  top: -10px;
  right: 16px;
  background: var(--crimson);
  color: white;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 999px;
}

/* Ratings row */
.ratings-row {
  display: flex;
  gap: 24px;
  justify-content: center;
  flex-wrap: wrap;
}

.ratings-row .rating-big {
  min-width: 200px;
}

.review-cta {
  text-align: center;
  margin-top: 28px;
}

/* Dual calculators */
.calcs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.calc-wrapper {
  background: white;
  border-radius: var(--radius);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.calc-title {
  background: var(--navy);
  color: white;
  padding: 18px 28px;
  font-size: 1.125rem;
  font-weight: 700;
  margin: 0;
}

.calc-wrapper .calc-form {
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  flex: 1;
}

.calc-wrapper .calc-result {
  background: var(--navy);
  color: white;
  padding: 28px;
}

.calc-disclaimer-full {
  text-align: center;
  font-size: 0.8125rem;
  color: var(--gray-500);
  margin-top: 28px;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

/* ========== Responsive ========== */
@media (max-width: 968px) {
  .nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background: white;
    flex-direction: column;
    align-items: flex-start;
    padding: 100px 32px 32px;
    gap: 20px;
    box-shadow: var(--shadow-xl);
    transition: right 0.3s ease;
    z-index: 999;
  }
  
  .nav.open {
    right: 0;
  }
  
  .mobile-toggle {
    display: flex;
    z-index: 1001;
  }
  
  .mobile-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
  }
  
  .mobile-toggle.active span:nth-child(2) {
    opacity: 0;
  }
  
  .mobile-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
  }
  
  .about-grid,
  .calc-wrapper,
  .calcs-grid,
  .contact-grid,
  .footer-top {
    grid-template-columns: 1fr;
  }
  
  .hero-stats {
    gap: 32px;
  }
  
  .contact-details {
    grid-template-columns: 1fr;
  }
  
  .footer-links {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  .top-bar-inner {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }
  
  .top-contact {
    justify-content: center;
  }
  
  .hero-content {
    padding: 60px 20px 80px;
  }
  
  .section {
    padding: 64px 0;
  }
  
  .hero-ctas {
    flex-direction: column;
  }
  
  .btn-lg {
    width: 100%;
  }
  
  .footer-links {
    grid-template-columns: 1fr;
  }
  
  .result-amount {
    font-size: 2.25rem;
  }
}