/* Lending Enterprise — static rebuild
   Brand colors from live site: primary #208FDF, secondary #1D81C9, ink #080a16, body #3c4244, footer #080A16
   Font: Karla (Google Fonts), matching live theme
*/

:root {
  --primary: #208FDF;
  --primary-dark: #1D81C9;
  --ink: #080a16;
  --ink-2: #0b2341;
  --body: #3c4244;
  --muted: #707070;
  --light: #f7f7f7;
  --light-2: #f1f1f1;
  --white: #ffffff;
  --footer: #080A16;
  --footer-text: #dddddd;
  --radius: 6px;
  --shadow: 0 10px 40px rgba(8, 10, 22, 0.12);
  --max: 1140px;
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Karla', system-ui, -apple-system, sans-serif;
  font-size: 15px;
  line-height: 1.65;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary); text-decoration: none; transition: color .2s; }
a:hover { color: var(--primary-dark); }
h1, h2, h3, h4, h5, h6 {
  font-family: 'Karla', sans-serif;
  font-weight: 400;
  color: var(--ink);
  margin: 0 0 0.6em;
  letter-spacing: -0.5px;
}
h1 { font-size: clamp(2rem, 4vw, 3rem); line-height: 1.15; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); line-height: 1.2; letter-spacing: -0.75px; }
h3 { font-size: 1.35rem; color: var(--ink-2); }
h4 { font-size: 1.15rem; color: var(--ink-2); line-height: 1.55; font-weight: 400; }
p { margin: 0 0 1em; }
ul { margin: 0; padding: 0; list-style: none; }

.container {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 14px 40px;
  font-family: inherit;
  font-weight: 700;
  font-size: 16px;
  text-transform: uppercase;
  letter-spacing: 1px;
  border: 2px solid var(--primary);
  border-radius: 5px;
  background: var(--primary);
  color: var(--white);
  cursor: pointer;
  transition: background .2s, border-color .2s, color .2s, transform .15s;
}
.btn:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  color: var(--white);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--ink);
  border-color: var(--white);
}
.btn-secondary {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
}

/* ========== TOPBAR + HEADER ========== */
.topbar {
  background: var(--footer);
  color: var(--white);
  font-size: 14px;
  padding: 0.55rem 0;
}
.topbar .container {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  justify-content: flex-end;
  align-items: center;
}
.topbar a { color: var(--white); }
.topbar a:hover { color: var(--primary); }
.topbar-item { display: inline-flex; align-items: center; gap: 0.4rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  box-shadow: 0 1px 0 rgba(0,0,0,.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  gap: 1rem;
}
.logo img { height: 42px; width: auto; }
.nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.nav a {
  color: var(--ink);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 0.6rem 0.85rem;
}
.nav a:hover, .nav a.active { color: var(--primary); }
.nav-cta { margin-left: 0.5rem; padding: 10px 22px !important; font-size: 13px !important; }

.nav-toggle {
  display: none;
  background: none;
  border: 0;
  padding: 0.5rem;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--ink);
  margin: 5px 0;
  transition: .2s;
}

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .nav {
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 0.5rem 1rem 1rem;
    box-shadow: var(--shadow);
    display: none;
  }
  .nav.open { display: flex; }
  .nav a { padding: 0.85rem 0.5rem; border-bottom: 1px solid var(--light-2); }
  .nav-cta { margin: 0.75rem 0 0; text-align: center; }
}

/* ========== HERO ========== */
.hero {
  position: relative;
  min-height: min(78vh, 640px);
  display: flex;
  align-items: center;
  background:
    linear-gradient(105deg, rgba(8,10,22,.78) 0%, rgba(8,10,22,.45) 55%, rgba(32,143,223,.25) 100%),
    url('../assets/hero-handshake.jpg') center/cover no-repeat;
  color: var(--white);
  padding: 4rem 0;
}
.hero h1 { color: var(--white); max-width: 16ch; margin-bottom: 0.75rem; }
.hero .tagline {
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  color: rgba(255,255,255,.92);
  max-width: 36rem;
  margin-bottom: 1.75rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* ========== SPLIT SECTIONS (mission / values) ========== */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 420px;
}
.split-media {
  background-size: cover;
  background-position: center;
  min-height: 280px;
}
.split-content {
  display: flex;
  align-items: center;
  padding: 3.5rem 2rem;
}
.split-content .inner { max-width: 520px; margin-inline: auto; width: 100%; }
.split.reverse .split-media { order: 2; }
.split.reverse .split-content { order: 1; }

.pillars { display: grid; gap: 1rem; margin-top: 1.25rem; }
.pillar {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.85rem;
  align-items: start;
  padding: 0.85rem 1rem;
  background: var(--light);
  border-radius: var(--radius);
  border-left: 3px solid var(--primary);
}
.pillar-num {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.pillar p { margin: 0; font-size: 14.5px; line-height: 1.5; color: var(--body); }
.pillar strong { color: var(--ink); text-transform: uppercase; letter-spacing: 0.3px; }

@media (max-width: 800px) {
  .split { grid-template-columns: 1fr; }
  .split.reverse .split-media,
  .split.reverse .split-content { order: unset; }
  .split-content { padding: 2.5rem 1.25rem; }
}

/* ========== CALCULATOR ========== */
.section { padding: 4.5rem 0; }
.section-alt { background: var(--light); }
.section-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 2.5rem;
}
.section-head p { color: var(--muted); }

.calc-wrap {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 2rem;
  align-items: stretch;
  background: var(--white);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.calc-form { padding: 2rem; }
.calc-result {
  background:
    linear-gradient(160deg, rgba(8,10,22,.85), rgba(32,143,223,.75)),
    url('../assets/bg-estimator.jpg') center/cover;
  color: var(--white);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  text-align: center;
}
.calc-result h3 { color: var(--white); font-size: 1.1rem; text-transform: uppercase; letter-spacing: 1px; }
.calc-amount {
  font-size: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 700;
  letter-spacing: -1px;
  margin: 0.4rem 0;
  color: var(--white);
}
.calc-result .note { font-size: 13px; opacity: .85; margin: 0; }
.calc-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-top: 1.5rem;
}
.calc-meta div {
  background: rgba(255,255,255,.12);
  border-radius: var(--radius);
  padding: 0.75rem;
}
.calc-meta span { display: block; font-size: 12px; text-transform: uppercase; letter-spacing: 0.5px; opacity: .8; }
.calc-meta strong { font-size: 1.1rem; color: var(--white); }

.field { margin-bottom: 1.1rem; }
.field label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--ink);
  margin-bottom: 0.4rem;
}
.field input, .field textarea, .field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #e5e5e5;
  border-radius: var(--radius);
  background: var(--light);
  font: inherit;
  color: var(--ink);
  transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(32,143,223,.15);
  background: var(--white);
}
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.calc-disclaimer {
  font-size: 13px;
  color: var(--muted);
  font-style: italic;
  margin: 0.75rem 0 0;
}

@media (max-width: 800px) {
  .calc-wrap { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
}

/* ========== TESTIMONIALS ========== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.25rem;
}
.t-card {
  background: var(--white);
  border-radius: 8px;
  padding: 1.5rem;
  box-shadow: 0 4px 24px rgba(8,10,22,.08);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  border-top: 3px solid var(--primary);
}
.t-card blockquote {
  margin: 0;
  font-size: 15px;
  line-height: 1.6;
  color: var(--body);
  flex: 1;
}
.t-card blockquote::before {
  content: '"';
  color: var(--primary);
  font-size: 2rem;
  line-height: 0;
  vertical-align: -0.4em;
  margin-right: 0.15em;
}
.t-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.t-author img {
  width: 48px; height: 48px;
  border-radius: 50%;
  object-fit: cover;
}
.t-author strong { display: block; color: var(--ink); font-size: 15px; }
.t-author span { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; }

/* ========== RECOGNITION CTA ========== */
.recognition {
  position: relative;
  padding: 4.5rem 0;
  background:
    linear-gradient(100deg, rgba(8,10,22,.88) 0%, rgba(29,129,201,.75) 100%),
    url('../assets/bg-recognition.jpg') center/cover;
  color: var(--white);
  text-align: center;
}
.recognition h2 { color: var(--white); }
.recognition p { color: rgba(255,255,255,.9); max-width: 36rem; margin: 0 auto 1.5rem; }
.recognition-badge {
  width: min(220px, 70%);
  margin: 0 auto 1.5rem;
  filter: drop-shadow(0 8px 20px rgba(0,0,0,.35));
}

/* ========== TEAM ========== */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.team-card {
  background: var(--white);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(8,10,22,.08);
  text-align: center;
  transition: transform .2s, box-shadow .2s;
}
.team-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}
.team-card img {
  width: 100%;
  aspect-ratio: 2/3;
  object-fit: cover;
  object-position: top center;
}
.team-info { padding: 1.25rem 1rem 1.5rem; }
.team-info h3 { font-size: 1.15rem; margin-bottom: 0.25rem; }
.team-role {
  font-size: 13px;
  color: var(--primary);
  font-weight: 700;
  letter-spacing: 0.3px;
  margin-bottom: 0.75rem;
}
.team-contact { font-size: 13px; color: var(--muted); }
.team-contact a { color: var(--body); display: block; margin: 0.2rem 0; }
.team-contact a:hover { color: var(--primary); }

@media (max-width: 1000px) {
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .team-grid { grid-template-columns: 1fr; max-width: 320px; margin-inline: auto; }
}

/* ========== CONTACT ========== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 2.5rem;
  align-items: start;
}
.contact-info h2 { margin-bottom: 0.75rem; }
.contact-details {
  margin: 1.5rem 0;
  display: grid;
  gap: 0.85rem;
}
.contact-details a, .contact-details span {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  color: var(--body);
}
.contact-details a:hover { color: var(--primary); }
.contact-details svg { flex-shrink: 0; margin-top: 2px; color: var(--primary); }
.contact-form-card {
  background: var(--white);
  padding: 2rem;
  border-radius: 8px;
  box-shadow: var(--shadow);
}
.form-note { font-size: 13px; color: var(--muted); margin-top: 0.75rem; }
.form-success {
  display: none;
  padding: 1rem;
  background: #e8f7ee;
  color: #1a7a3c;
  border-radius: var(--radius);
  margin-bottom: 1rem;
}
.form-success.show { display: block; }

@media (max-width: 800px) {
  .contact-grid { grid-template-columns: 1fr; }
}

/* ========== FOOTER ========== */
.site-footer {
  background: var(--footer);
  color: var(--footer-text);
  padding-top: 3rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2rem;
  padding-bottom: 2.5rem;
}
.footer-brand img { height: 36px; width: auto; margin-bottom: 1rem; }
.footer-brand p { font-size: 14px; line-height: 1.6; color: var(--footer-text); }
.footer-col h5 {
  color: var(--white);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 1rem;
}
.footer-col a {
  display: block;
  color: var(--footer-text);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 0.35rem 0;
}
.footer-col a:hover { color: var(--primary); }
.footer-lower {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.25rem 0;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  justify-content: space-between;
  align-items: center;
}
.footer-lower a { color: var(--footer-text); }
.footer-lower a:hover { color: var(--primary); }
.compliance {
  font-size: 11px;
  letter-spacing: 0.5px;
  text-transform: none;
  opacity: 0.85;
  max-width: 36rem;
  line-height: 1.5;
}

@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

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

.site-header.scrolled { box-shadow: 0 4px 20px rgba(8,10,22,.08); }