@import url('https://fonts.googleapis.com/css2?family=Sora:wght@600;700;800&family=Inter:wght@300;400;500;600&family=JetBrains+Mono:wght@400;500&display=swap');

:root {
  --color-bg:             #FAFBFC;
  --color-bg-dark:        #1B2B3A;
  --color-bg-card:        #FFFFFF;
  --color-bg-alt:         #F0F4F8;
  --color-primary:        #00856F;
  --color-primary-dark:   #006657;
  --color-primary-light:  #E6F4F1;
  --color-accent:         #F59E0B;
  --color-accent-light:   #FEF3C7;
  --color-text-primary:   #1B2B3A;
  --color-text-secondary: #4B5E6D;
  --color-text-muted:     #8A9BB0;
  --color-border:         #D9E3EA;
  --color-success:        #00856F;
  --color-cta:            #00856F;
  --color-cta-hover:      #006657;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 2px 8px rgba(0, 133, 111, 0.08);
  --shadow-md: 0 4px 20px rgba(0, 133, 111, 0.12);
  --shadow-lg: 0 8px 40px rgba(0, 133, 111, 0.16);
  --transition: all 0.3s ease;
  --container: 1280px;
  --section-py: clamp(60px, 8vw, 120px);
}

/* Base Styles */
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: 'Inter', sans-serif; background-color: var(--color-bg); color: var(--color-text-secondary); line-height: 1.6; overflow-x: hidden; }
h1, h2, h3, h4, h5, h6 { font-family: 'Sora', sans-serif; color: var(--color-text-primary); line-height: 1.2; margin-bottom: 1rem; }
a { color: var(--color-primary); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--color-primary-dark); }
img { max-width: 100%; height: auto; display: block; }

/* Container */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }

/* Preloader */
#preloader { position: fixed; top: 0; left: 0; width: 100%; height: 100vh; background: var(--color-bg); z-index: 9999; display: flex; flex-direction: column; justify-content: center; align-items: center; transition: opacity 0.5s ease, visibility 0.5s ease; }
body.loaded #preloader { opacity: 0; visibility: hidden; }
.spinner { width: 60px; height: 60px; position: relative; margin-bottom: 20px; }
.spinner::before, .spinner::after { content: ''; position: absolute; width: 100%; height: 100%; border-radius: 50%; border: 2px solid transparent; }
.spinner::before { border-top-color: var(--color-primary); border-bottom-color: var(--color-primary); animation: spin 1.5s linear infinite; }
.spinner::after { border-left-color: var(--color-accent); border-right-color: var(--color-accent); animation: spin-reverse 1s linear infinite; }
.preloader-text { font-family: 'Inter', sans-serif; font-weight: 600; text-transform: uppercase; letter-spacing: 0.3em; color: var(--color-text-muted); font-size: 12px; }
@keyframes spin { 100% { transform: rotate(360deg); } }
@keyframes spin-reverse { 100% { transform: rotate(-360deg); } }

/* Disclosure Bar */
.disclosure-bar { background: var(--color-primary); color: white; height: 38px; display: flex; align-items: center; justify-content: center; font-size: 11px; letter-spacing: 0.04em; text-align: center; padding: 0 15px; position: relative; z-index: 100; }

/* Navbar */
header { position: sticky; top: 0; z-index: 99; transition: var(--transition); background: transparent; padding: 20px 0; }
header.scrolled { background: rgba(255, 255, 255, 0.95); backdrop-filter: blur(10px); padding: 15px 0; box-shadow: var(--shadow-sm); }
.nav-container { display: flex; align-items: center; justify-content: space-between; }
.logo { font-family: 'Sora', sans-serif; font-weight: 800; font-size: 24px; color: var(--color-primary); letter-spacing: -0.5px; }
.nav-links { display: flex; gap: 32px; align-items: center; }
.nav-links a { font-weight: 500; color: var(--color-text-primary); }
.nav-links a:hover { color: var(--color-primary); }
.hamburger { display: none; cursor: pointer; flex-direction: column; gap: 5px; z-index: 1000; }
.hamburger span { width: 25px; height: 2px; background: var(--color-text-primary); transition: var(--transition); }
body.nav-open .hamburger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.nav-open .hamburger span:nth-child(2) { opacity: 0; }
body.nav-open .hamburger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 14px 28px; border-radius: var(--radius-sm); font-weight: 600; cursor: pointer; transition: var(--transition); border: 2px solid transparent; }
.btn-primary { background: var(--color-cta); color: white; }
.btn-primary:hover { background: var(--color-cta-hover); color: white; box-shadow: var(--shadow-md); transform: translateY(-2px); }
.btn-ghost { background: transparent; border-color: white; color: white; }
.btn-ghost:hover { background: white; color: var(--color-primary); }
.btn-full { width: 100%; }
.btn-outline { background: transparent; border-color: var(--color-primary); color: var(--color-primary); }
.btn-outline:hover { background: var(--color-primary); color: white; }

/* Hero Section */
.hero { position: relative; min-height: 90vh; display: flex; align-items: center; background: var(--color-bg-dark); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-image: url('../images/hero.png'); background-size: cover; background-position: center; }
.hero-overlay { position: absolute; inset: 0; background: rgba(27, 43, 58, 0.75); }
.hero-content { position: relative; z-index: 2; max-width: 800px; margin: 0 auto; text-align: center; color: white; padding: 80px 20px; }
.hero-label { font-size: 12px; font-weight: 600; text-transform: uppercase; color: var(--color-primary-light); letter-spacing: 1px; margin-bottom: 20px; display: inline-block; padding: 6px 12px; border: 1px solid rgba(255,255,255,0.2); border-radius: 20px; }
.hero h1 { font-size: clamp(36px, 5vw, 56px); color: white; margin-bottom: 24px; font-weight: 800; }
.hero-sub { font-size: 18px; color: #D9E3EA; margin-bottom: 40px; }
.hero-trust { display: flex; gap: 20px; justify-content: center; margin-bottom: 40px; flex-wrap: wrap; }
.hero-trust span { display: flex; align-items: center; gap: 8px; font-size: 14px; color: white; }
.hero-trust span::before { content: '✓'; color: var(--color-success); font-weight: bold; }
.hero-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* Stats Strip */
.stats { background: var(--color-bg-dark); padding: 40px 0; border-top: 1px solid rgba(255,255,255,0.1); border-bottom: 1px solid rgba(255,255,255,0.1); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-number { font-family: 'JetBrains Mono', monospace; font-size: 32px; font-weight: 500; color: var(--color-primary); margin-bottom: 8px; }
.stat-desc { color: #D9E3EA; font-size: 14px; }
.stats-note { text-align: center; color: var(--color-text-muted); font-size: 10px; margin-top: 20px; }

/* Sections */
section { padding: var(--section-py) 0; }
.section-header { text-align: center; margin-bottom: 60px; max-width: 700px; margin-inline: auto; }
.section-header h2 { font-size: clamp(28px, 4vw, 40px); }
.section-header p { color: var(--color-text-secondary); font-size: 18px; margin-top: 16px; }
.section-light { background: var(--color-bg); }
.section-alt { background: var(--color-bg-alt); }
.section-dark { background: var(--color-bg-dark); color: white; }

/* Feature Grid */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 40px; align-items: center; }
.card { background: var(--color-bg-card); border-radius: var(--radius-md); padding: 32px; border: 1px solid var(--color-border); transition: var(--transition); height: 100%; display: flex; flex-direction: column; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-sm); border-top-color: var(--color-primary); }
.card-icon { width: 48px; height: 48px; display: flex; align-items: center; justify-content: center; background: var(--color-primary-light); color: var(--color-primary); border-radius: 50%; margin-bottom: 20px; }
.card-icon svg { width: 24px; height: 24px; }
.card h3 { font-size: 20px; margin-bottom: 12px; }
.card p { color: var(--color-text-secondary); font-size: 15px; margin-bottom: 20px; flex-grow: 1; }
.card.alt-bg { background: var(--color-primary-light); border-color: transparent; }
.card.alt-bg:hover { border-top-color: var(--color-primary); }

/* Loan Types */
.badge { display: inline-block; padding: 4px 10px; background: var(--color-accent-light); color: #B45309; font-size: 11px; font-weight: 600; border-radius: 4px; letter-spacing: 0.5px; margin-bottom: 16px; }

/* 9-Step Process */
.process-list { display: flex; flex-direction: column; gap: 32px; }
.process-step { display: flex; gap: 20px; }
.step-num { font-family: 'JetBrains Mono', monospace; font-size: 32px; font-weight: 600; color: var(--color-primary); opacity: 0.8; line-height: 1; }
.step-content h4 { margin-bottom: 8px; font-size: 18px; }
.step-content p { font-size: 14px; margin-bottom: 0; }

/* Image Wrappers */
.image-wrapper { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); position: relative; }
.image-wrapper img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.image-wrapper:hover img { transform: scale(1.03); }

/* Rep Example Card */
.rep-card { background: var(--color-primary-light); padding: 40px; border-radius: var(--radius-md); max-width: 700px; margin: 0 auto; border: 1px solid rgba(0,133,111,0.2); }
.rep-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 30px; }
.rep-item { border-bottom: 1px solid rgba(0,0,0,0.05); padding-bottom: 10px; }
.rep-label { font-size: 13px; color: var(--color-text-secondary); }
.rep-value { font-family: 'JetBrains Mono', monospace; font-size: 18px; font-weight: 500; color: var(--color-text-primary); margin-top: 4px; }
.rep-total { background: white; padding: 20px; border-radius: var(--radius-sm); text-align: center; }
.rep-total .rep-value { font-size: 28px; color: var(--color-primary); }
.rep-note { font-size: 11px; color: var(--color-text-muted); margin-top: 20px; text-align: center; }

/* Reviews */
.reviews-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.review-card { padding: 30px; background: white; border-radius: var(--radius-md); box-shadow: var(--shadow-sm); }
.stars { color: var(--color-accent); font-size: 20px; margin-bottom: 16px; letter-spacing: 2px; }
.review-text { font-style: italic; font-size: 15px; margin-bottom: 20px; }
.review-author { display: flex; align-items: center; gap: 12px; }
.author-info h4 { margin: 0; font-size: 14px; }
.author-info span { font-size: 12px; color: var(--color-success); font-weight: 500; }

/* FAQ Accordion */
.faq-wrapper { max-width: 800px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--color-border); }
.faq-question { padding: 24px 0; width: 100%; text-align: left; background: none; border: none; font-family: 'Sora', sans-serif; font-size: 18px; font-weight: 600; color: var(--color-text-primary); cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-question::after { content: '+'; font-size: 24px; color: var(--color-primary); transition: transform 0.3s; }
.faq-item.active .faq-question::after { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-answer-inner { padding-bottom: 24px; font-size: 15px; }
.faq-item.active .faq-answer { max-height: 400px; }

/* Editorial Details */
.editorial-note { font-size: 14px; color: var(--color-text-muted); text-align: center; max-width: 600px; margin: 0 auto; }

/* Footer */
footer { background: var(--color-bg-dark); color: #D9E3EA; padding: 80px 0 40px; border-top: 4px solid var(--color-primary); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 60px; }
.footer-logo { font-family: 'Sora', sans-serif; font-size: 20px; font-weight: 800; color: white; margin-bottom: 8px; display: block; }
.footer-owner { font-size: 14px; margin-bottom: 2px; }
.footer-email { font-size: 14px; margin-bottom: 12px; color: var(--color-primary-light); }
.footer-tagline { font-size: 13px; color: #8A9BB0; }
.footer-col h4 { color: white; font-size: 16px; margin-bottom: 24px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col ul li a { color: #8A9BB0; font-size: 14px; }
.footer-col ul li a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; text-align: center; font-size: 12px; color: #8A9BB0; }
.footer-disclosure { margin-bottom: 12px; }

/* Contact Form */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 14px; font-weight: 500; color: var(--color-text-primary); margin-bottom: 8px; }
.form-control { width: 100%; padding: 14px 16px; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-family: inherit; font-size: 15px; transition: border-color 0.3s; background: white; }
.form-control:focus { outline: none; border-color: var(--color-primary); }
textarea.form-control { resize: vertical; min-height: 120px; }
#form-message { display: none; padding: 16px; border-radius: var(--radius-sm); margin-top: 20px; background: var(--color-primary-light); color: var(--color-primary); font-weight: 500; }
.contact-info p { margin-bottom: 12px; }

/* Review Article */
.article-header { padding: 120px 0 40px; background: var(--color-bg-alt); text-align: center; }
.article-meta { display: flex; justify-content: center; gap: 20px; font-size: 14px; color: var(--color-text-muted); margin-bottom: 40px; }
.article-hero { max-width: 1000px; margin: 0 auto 60px; border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-md); }
.article-content { max-width: 800px; margin: 0 auto; font-size: 17px; line-height: 1.8; color: var(--color-text-primary); }
.article-content h2 { margin-top: 50px; margin-bottom: 20px; font-size: 28px; }
.article-content h3 { margin-top: 30px; margin-bottom: 16px; font-size: 22px; }
.article-content p { margin-bottom: 24px; }
.article-content ul { margin-bottom: 24px; padding-left: 24px; }
.article-content li { margin-bottom: 10px; }
.article-content table { width: 100%; border-collapse: collapse; margin: 40px 0; background: white; box-shadow: var(--shadow-sm); border-radius: var(--radius-sm); overflow: hidden; }
.article-content th, .article-content td { padding: 16px; border: 1px solid var(--color-border); text-align: left; font-size: 15px; }
.article-content th { background: var(--color-bg-alt); font-weight: 600; }
.cta-box { background: var(--color-primary-light); border-left: 4px solid var(--color-primary); padding: 40px; border-radius: 0 var(--radius-md) var(--radius-md) 0; margin: 40px 0; text-align: center; }

/* Order Page */
.order-layout { display: grid; grid-template-columns: 1fr 400px; gap: 60px; }
.sticky-sidebar { position: sticky; top: 120px; }
.order-card { background: white; padding: 40px; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border-top: 4px solid var(--color-primary); text-align: center; }
.order-card h2 { font-size: 28px; margin-bottom: 8px; }
.order-card p { color: var(--color-text-secondary); margin-bottom: 24px; }
.order-price { background: var(--color-bg-alt); padding: 16px; border-radius: var(--radius-sm); margin-bottom: 24px; font-weight: 600; color: var(--color-text-primary); }
.order-trust { margin: 24px 0; text-align: left; }
.order-trust li { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; font-size: 14px; color: var(--color-text-primary); }
.order-trust li svg { color: var(--color-success); width: 18px; height: 18px; flex-shrink: 0; }
.disclosure-tiny { font-size: 11px; color: var(--color-text-muted); margin-top: 12px; }

/* Legal Pages */
.legal-content { max-width: 800px; margin: 0 auto; padding: 80px 20px; }
.legal-content h1 { margin-bottom: 40px; }
.legal-content h2 { margin-top: 40px; margin-bottom: 16px; font-size: 24px; }
.legal-content p, .legal-content ul { margin-bottom: 20px; }

/* Cookie Popup */
.cookie-popup { position: fixed; bottom: -100%; left: 50%; transform: translateX(-50%); width: 90%; max-width: 480px; background: white; padding: 24px; border-radius: var(--radius-md) var(--radius-md) 0 0; box-shadow: 0 -4px 20px rgba(0,0,0,0.1); border-top: 2px solid var(--color-primary); z-index: 1000; transition: bottom 0.4s ease; }
.cookie-popup.show { bottom: 0; }
.cookie-popup h4 { margin-bottom: 12px; }
.cookie-popup p { font-size: 14px; margin-bottom: 20px; }
.cookie-buttons { display: flex; gap: 12px; }

/* Scroll Reveal */
.reveal { opacity: 0; transform: translateY(30px); transition: all 0.8s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* Utilities */
.text-center { text-align: center; }
.mt-4 { margin-top: 24px; }
.mb-4 { margin-bottom: 24px; }

/* Responsive */
@media (max-width: 992px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .order-layout { grid-template-columns: 1fr; }
  .sticky-sidebar { position: static; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .hamburger { display: flex; }
  .nav-links { position: fixed; top: 0; right: -100%; width: 250px; height: 100vh; background: white; flex-direction: column; padding: 80px 24px; box-shadow: -4px 0 20px rgba(0,0,0,0.1); transition: right 0.3s ease; }
  body.nav-open .nav-links { right: 0; }
  body.nav-open { overflow: hidden; }
  .nav-links .btn { width: 100%; text-align: center; }
  .grid-2 { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .rep-grid { grid-template-columns: 1fr; }
  .article-content table { display: block; overflow-x: auto; }
}
@media (max-width: 576px) {
  .grid-4, .grid-3 { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-buttons { flex-direction: column; width: 100%; }
  .hero-buttons .btn { width: 100%; }
}