/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: auto; }
@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}
body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--charcoal);
  background: var(--cream);
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

/* === DESIGN TOKENS === */
:root {
  --navy:      #1a2b4a;
  --gold:      #c9a84c;
  --gold-dark: #a8832a;
  --cream:     #f7f5f1;
  --charcoal:  #2d2d2d;
  --white:     #ffffff;
  --gray-light:#ebebeb;
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans:  'Inter', system-ui, sans-serif;
  --max-width: 1200px;
  --section-padding: 80px 24px;
}

/* === UTILITIES === */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
section[id], footer[id] {
  scroll-margin-top: 80px;
}
.section-label {
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-title {
  font-family: var(--font-serif);
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 17px;
  color: #555;
  max-width: 560px;
  line-height: 1.7;
}
.btn-primary {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.04em;
  padding: 14px 32px;
  border: none;
  cursor: pointer;
  transition: background 0.2s;
}
.btn-primary:hover { background: var(--gold-dark); }
.btn-outline {
  display: inline-block;
  background: transparent;
  color: var(--white);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.04em;
  padding: 13px 31px;
  border: 2px solid var(--white);
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
}
.btn-outline:hover { background: var(--white); color: var(--navy); }

/* === NAV === */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 3px solid var(--gold);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.logo { display: flex; flex-direction: column; gap: 2px; }
.logo-main {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}
.logo-sub {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.1em;
  color: var(--gold);
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-links .nav-cta { color: var(--navy); padding: 10px 24px; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    position: absolute;
    top: 75px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 24px;
    gap: 20px;
    border-top: 1px solid rgba(255,255,255,0.1);
  }
  .nav-links.open { display: flex; }
  .nav-links .nav-cta { text-align: center; }
}

/* === HERO === */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy) 0%, #0f1c30 100%);
  overflow: hidden;
}
.hero::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='%23c9a84c' fill-opacity='0.04'%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");
}
.hero-overlay { position: absolute; inset: 0; }
.hero-content {
  position: relative;
  z-index: 1;
  padding: 96px 24px;
}
.hero-title {
  font-family: var(--font-serif);
  font-size: clamp(38px, 6vw, 64px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
}
.hero-title br { display: block; }
.hero-subtitle {
  font-size: 18px;
  color: rgba(255,255,255,0.8);
  max-width: 540px;
  line-height: 1.75;
  margin-bottom: 36px;
}
.hero-ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(201,168,76,0.3);
  padding: 10px 20px;
  font-size: 14px;
  color: rgba(255,255,255,0.75);
}

/* === TRUST BAR === */
.trust-bar {
  background: var(--gold);
  padding: 32px 24px;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  text-align: center;
}
.trust-number {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.trust-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(26,43,74,0.7);
}
.trust-divider {
  width: 1px;
  height: 40px;
  background: rgba(26,43,74,0.2);
}
@media (max-width: 640px) {
  .trust-divider { display: none; }
  .trust-bar-inner { gap: 28px; }
}

/* === SECTION BACKGROUNDS === */
.section-light { background: var(--white); padding: var(--section-padding); }
.section-cream { background: var(--cream); padding: var(--section-padding); }
.section-navy  { background: var(--navy);  padding: var(--section-padding); }

/* === LOANS SECTION === */
.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.loan-card {
  background: var(--cream);
  border: 1px solid var(--gray-light);
  border-top: 3px solid var(--gold);
  padding: 32px 28px;
  transition: box-shadow 0.2s;
}
.loan-card:hover { box-shadow: 0 8px 32px rgba(0,0,0,0.08); }
.loan-card h3 {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.loan-card p { font-size: 15px; color: #555; line-height: 1.65; }
.loan-card-cta {
  background: var(--navy);
  border-top-color: var(--gold);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.loan-card-cta h3 { color: var(--white); }
.loan-card-cta p  { color: rgba(255,255,255,0.7); margin-bottom: 20px; }

@media (max-width: 900px) {
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .loans-grid { grid-template-columns: 1fr; }
}

/* === WHY US === */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
  margin-top: 48px;
}
.why-item { padding: 8px 0; }
.why-number {
  font-family: var(--font-serif);
  font-size: 48px;
  font-weight: 700;
  color: var(--gold);
  opacity: 0.5;
  line-height: 1;
  margin-bottom: 12px;
}
.why-item h3 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.why-item p { font-size: 16px; color: #555; line-height: 1.7; }

@media (max-width: 640px) {
  .why-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* === HOW IT WORKS === */
.how-it-works .section-title { color: var(--white); }
.steps-grid {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-top: 48px;
  flex-wrap: wrap;
}
.step {
  flex: 1;
  min-width: 200px;
  padding: 32px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.2);
}
.step-num {
  font-family: var(--font-serif);
  font-size: 48px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 16px;
}
.step h3 {
  font-family: var(--font-serif);
  font-size: 20px;
  color: var(--white);
  margin-bottom: 10px;
}
.step p { font-size: 15px; color: rgba(255,255,255,0.65); line-height: 1.7; }
.step-arrow {
  font-size: 28px;
  color: var(--gold);
  align-self: center;
  flex-shrink: 0;
  padding-top: 16px;
}
.steps-cta { margin-top: 48px; text-align: center; }

@media (max-width: 700px) {
  .step-arrow { display: none; }
  .steps-grid { flex-direction: column; }
  .step { min-width: unset; width: 100%; }
}

/* === ABOUT === */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
  margin-top: 48px;
  max-width: 800px;
}
.team-card { display: flex; flex-direction: column; gap: 12px; }
.team-photo-placeholder {
  width: 100%;
  aspect-ratio: 4/3;
  background: var(--gray-light);
  border-top: 3px solid var(--gold);
}
.team-card h3 {
  font-family: var(--font-serif);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  min-height: 3em;
  display: flex;
  align-items: flex-end;
}
.team-title {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.team-bio { font-size: 15px; color: #555; line-height: 1.7; }

.board-section {
  margin-top: 56px;
  padding-top: 40px;
  border-top: 1px solid var(--gray-light);
}
.board-heading {
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.board-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.board-card {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.board-card h4 {
  font-family: var(--font-serif);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
}

@media (max-width: 640px) {
  .team-grid { grid-template-columns: 1fr; }
}

/* === CONTACT === */
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 80px;
  align-items: start;
}
.contact-details { margin-top: 32px; display: flex; flex-direction: column; gap: 20px; }
.contact-item { display: flex; flex-direction: column; gap: 4px; }
.contact-item strong {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.contact-item a, .contact-item span { font-size: 16px; color: var(--navy); font-weight: 500; }
.contact-item a:hover { color: var(--gold-dark); }

.contact-form-wrap {
  background: var(--white);
  border: 1px solid var(--gray-light);
  border-top: 3px solid var(--gold);
  padding: 40px;
}
.contact-form { display: flex; flex-direction: column; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.03em;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 14px;
  border: 1px solid var(--gray-light);
  background: var(--cream);
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--charcoal);
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  outline: 2px solid var(--navy);
  outline-offset: 2px;
}
.form-note { font-size: 13px; color: #888; text-align: center; margin-top: -8px; }

@media (max-width: 768px) {
  .contact-inner { grid-template-columns: 1fr; gap: 40px; }
  .contact-form-wrap { padding: 28px 20px; }
}

/* === FOOTER === */
.site-footer { background: #0f1c30; padding: 64px 24px 0; }
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand { display: flex; flex-direction: column; gap: 8px; }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,0.5); margin-top: 8px; max-width: 260px; line-height: 1.6; }
.footer-links, .footer-contact {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-top: 4px;
}
.footer-links a { font-size: 14px; color: rgba(255,255,255,0.65); transition: color 0.2s; }
.footer-links a:hover { color: var(--gold); }
.footer-contact p { font-size: 14px; color: rgba(255,255,255,0.65); }
.footer-contact a { color: rgba(255,255,255,0.65); transition: color 0.2s; }
.footer-contact a:hover { color: var(--gold); }
.footer-bottom {
  padding: 20px 24px;
  text-align: center;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,0.35); }

@media (max-width: 700px) {
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
}