/* ============================================================
   2Day Finance — Main Stylesheet
   Brand: Gold (#C9A84C) · Black text · Cloudflare Pages
   ============================================================ */

/* 1. CSS VARIABLES */
:root {
  --color-bg: #f8f5f0;
  --color-bg-secondary: #ede8db;
  --color-text: #1a1a1a;
  --color-text-muted: #6b7280;
  /* Darker gold for readability on light backgrounds */
  --color-primary: #8B6914;
  --color-primary-dark: #6B5010;
  --color-primary-light: #f0e8d0;
  --color-primary-rgb: 139,105,20;
  --color-on-primary: #ffffff;
  --color-surface: #fdf9f4;
  --color-border: #ede5d8;
  --nav-bg-scroll: rgba(248,245,240,0.95);
  --nav-blur: blur(16px);
  --transition: 0.3s ease;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.12);
  --shadow-gold: 0 4px 24px rgba(139,105,20,0.3);
  --max-w: 1280px;
  --sp-section: 100px;
  /* Nav link colors for transparent-nav state */
  --nav-link-color: var(--color-text);
  /* Hero theming */
  --hero-bg: linear-gradient(135deg, #ede5d4 0%, #e3d9c4 60%, #e8ddd0 100%);
  --hero-text: var(--color-text);
  --hero-lead: var(--color-text-muted);
  --hero-overlay-bg: linear-gradient(to bottom, rgba(237,229,212,0.25) 0%, transparent 50%, rgba(237,229,212,0.45) 100%);
  --hero-scroll-clr: rgba(26,26,26,0.45);
  --hero-pattern-1: rgba(139,105,20,0.15);
  --hero-pattern-2: rgba(139,105,20,0.09);
}

[data-theme="dark"] {
  --color-bg: #0d0f14;
  --color-bg-secondary: #13151d;
  --color-text: #f0f2f5;
  --color-text-muted: #9ca3af;
  /* Original brand gold — readable on dark backgrounds */
  --color-primary: #C9A84C;
  --color-primary-dark: #A8893A;
  --color-primary-rgb: 201,168,76;
  --color-on-primary: #1a1a1a;
  --color-surface: #1c1f28;
  --color-border: #2a2e3a;
  --nav-bg-scroll: rgba(13,15,20,0.92);
  --shadow: 0 4px 24px rgba(0,0,0,0.45);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.55);
  --shadow-gold: 0 4px 24px rgba(201,168,76,0.18);
  --color-primary-light: #2a2318;
  --nav-link-color: #ffffff;
  /* Hero theming */
  --hero-bg: linear-gradient(135deg, #0d0f14 0%, #141218 60%, #1f1507 100%);
  --hero-text: #ffffff;
  --hero-lead: rgba(255,255,255,0.75);
  --hero-overlay-bg: linear-gradient(to bottom, rgba(13,15,20,0.65) 0%, rgba(13,15,20,0.4) 50%, rgba(13,15,20,0.85) 100%);
  --hero-scroll-clr: rgba(255,255,255,0.5);
  --hero-pattern-1: rgba(201,168,76,0.08);
  --hero-pattern-2: rgba(201,168,76,0.05);
}

/* 2. RESET & BASE */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: 'Inter', system-ui, sans-serif;
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
  transition: background var(--transition), color var(--transition);
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* 3. TYPOGRAPHY */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.4rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.6rem); }
h4 { font-size: 1.1rem; font-family: 'Inter', sans-serif; font-weight: 600; }

p { font-size: 1.0625rem; color: var(--color-text-muted); line-height: 1.75; }

.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-primary);
  background: var(--color-primary-light);
  padding: 6px 14px;
  border-radius: 99px;
  margin-bottom: 16px;
}

.section-title { color: var(--color-text); margin-bottom: 16px; }
.section-lead { font-size: 1.125rem; max-width: 600px; margin: 0 auto 56px; }
.text-center { text-align: center; }
.text-gold { color: var(--color-primary); }

/* 4. LAYOUT */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: var(--sp-section) 0; }

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* 5. BUTTONS */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 0.9375rem;
  font-weight: 600;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-primary);
  color: var(--color-on-primary);
  box-shadow: var(--shadow-gold);
}
.btn-primary:hover {
  background: var(--color-primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(var(--color-primary-rgb), 0.45);
}

.btn-outline {
  border: 2px solid var(--color-primary);
  color: var(--color-primary);
}
.btn-outline:hover {
  background: var(--color-primary);
  color: var(--color-on-primary);
  transform: translateY(-2px);
}

.btn-ghost {
  color: var(--color-text);
  border: 2px solid var(--color-border);
}
.btn-ghost:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.btn-lg { padding: 18px 36px; font-size: 1.0625rem; border-radius: 10px; }

/* 6. NAVIGATION */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  transition: background var(--transition), box-shadow var(--transition), backdrop-filter var(--transition);
  padding: 20px 0;
}

.nav.scrolled {
  background: var(--nav-bg-scroll);
  backdrop-filter: var(--nav-blur);
  -webkit-backdrop-filter: var(--nav-blur);
  box-shadow: 0 1px 0 var(--color-border);
  padding: 12px 0;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.nav-logo img {
  height: 100px;
  width: auto;
  transition: height 0.35s ease;
}

.nav.scrolled .nav-logo img { height: 64px; }

/* Default: transparent nav over dark hero — show white logo */
.nav-logo .logo-dark { display: none; }
.nav-logo .logo-light { display: block; }

/* Light mode, scrolled: light nav bg — show coloured logo */
.nav.scrolled .logo-dark { display: block; }
.nav.scrolled .logo-light { display: none; }

/* Dark mode, scrolled: dark nav bg — keep white logo */
[data-theme="dark"] .nav.scrolled .logo-dark { display: none; }
[data-theme="dark"] .nav.scrolled .logo-light { display: block; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 1;
  justify-content: center;
}

.nav-link {
  padding: 8px 14px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--nav-link-color);
  border-radius: 6px;
  transition: all var(--transition);
  position: relative;
}

.nav.scrolled .nav-link { color: var(--color-text); }

.nav-link:hover,
.nav-link.active {
  color: var(--color-primary) !important;
  background: var(--color-primary-light);
}

/* Dropdown */
.nav-item-dropdown { position: relative; }

.nav-dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  min-width: 250px;
  opacity: 0;
  pointer-events: none;
  transition: all var(--transition);
  z-index: 100;
}

.nav-item-dropdown:hover .nav-dropdown,
.nav-item-dropdown:focus-within .nav-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.nav-dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-text);
  border-radius: 8px;
  transition: all var(--transition);
}

.nav-dropdown a:hover {
  background: var(--color-primary-light);
  color: var(--color-primary);
}

.nav-dropdown a i { width: 18px; color: var(--color-primary); }

/* RBA rate badge */
.rba-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  border-radius: 99px;
  border: 1px solid rgba(201,168,76,0.4);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--color-primary);
  background: rgba(201,168,76,0.1);
  text-decoration: none;
  transition: all var(--transition);
  white-space: nowrap;
}

.rba-badge:hover {
  background: rgba(201,168,76,0.2);
  border-color: var(--color-primary);
}

.rba-badge .rba-dot {
  width: 6px;
  height: 6px;
  background: var(--color-primary);
  border-radius: 50%;
  flex-shrink: 0;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.8); }
}

/* Nav right controls */
.nav-controls {
  display: flex;
  align-items: center;
  gap: 12px;
}

.theme-toggle {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--nav-link-color);
  transition: all var(--transition);
  font-size: 1rem;
}

.nav.scrolled .theme-toggle { color: var(--color-text); }
.theme-toggle:hover { background: var(--color-primary-light); color: var(--color-primary) !important; }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
}

.nav-hamburger span {
  width: 24px;
  height: 2px;
  background: var(--nav-link-color);
  border-radius: 2px;
  transition: all var(--transition);
  display: block;
}

.nav.scrolled .nav-hamburger span { background: var(--color-text); }
[data-theme="dark"] .nav-hamburger span { background: var(--color-text); }

.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.nav-mobile {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--color-bg);
  z-index: 999;
  flex-direction: column;
  padding: 100px 32px 40px;
  gap: 8px;
  overflow-y: auto;
}

.nav-mobile.open { display: flex; }

.nav-mobile a {
  font-size: 1.25rem;
  font-weight: 600;
  padding: 16px 0;
  border-bottom: 1px solid var(--color-border);
  color: var(--color-text);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-mobile a:hover { color: var(--color-primary); }

.mobile-sub {
  padding-left: 20px;
  display: none;
  flex-direction: column;
  gap: 0;
}
.mobile-sub.open { display: flex; }
.mobile-sub a { font-size: 1rem; font-weight: 500; }

/* 7. HERO */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background: var(--hero-bg);
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, var(--hero-pattern-1) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, var(--hero-pattern-2) 0%, transparent 50%);
  z-index: 0;
}

.hero-img {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 0;
  opacity: 0.25;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: var(--hero-overlay-bg);
  z-index: 1;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 120px 0 80px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: 24px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.2s forwards;
}

.hero-eyebrow::before,
.hero-eyebrow::after {
  content: '';
  height: 1px;
  width: 32px;
  background: var(--color-primary);
  opacity: 0.6;
}

.hero h1 {
  color: var(--hero-text);
  margin-bottom: 24px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.4s forwards;
}

.hero h1 span { color: var(--color-primary); }

.hero-lead {
  font-size: 1.125rem;
  color: var(--hero-lead);
  max-width: 560px;
  margin-bottom: 40px;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.6s forwards;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.8s ease 0.8s forwards;
}

.hero-scroll {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: var(--hero-scroll-clr);
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  animation: bounceY 2s ease infinite;
}

.hero-scroll i { font-size: 1.25rem; }

/* Inner page hero (shorter) */
.hero-inner {
  min-height: 55vh;
  padding: 0;
}

.hero-inner .hero-content { padding: 160px 0 80px; }

/* 8. STATS / TRUST BAR */
.stats-bar {
  background: var(--color-primary);
  padding: 0;
  overflow: hidden;
}

.stats-bar-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  divide-x: 1px solid rgba(0,0,0,0.12);
}

.stat-item {
  padding: 36px 24px;
  text-align: center;
  border-right: 1px solid rgba(0,0,0,0.1);
  position: relative;
}

.stat-item:last-child { border-right: none; }

.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  font-weight: 700;
  color: #1a1a1a;
  line-height: 1;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(26,26,26,0.7);
  letter-spacing: 0.02em;
}

/* RBA stat item style */
.stat-item.rba-stat { cursor: pointer; }
.stat-item.rba-stat .stat-number { font-size: 2.2rem; }
.stat-item.rba-stat:hover { background: rgba(0,0,0,0.05); }

/* 9. CARDS */
.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

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

.card-icon {
  width: 56px;
  height: 56px;
  background: var(--color-primary-light);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--color-primary);
  margin-bottom: 20px;
  transition: all var(--transition);
}

.card:hover .card-icon {
  background: var(--color-primary);
  color: var(--color-on-primary);
}

.card h3 { font-size: 1.2rem; margin-bottom: 12px; font-family: 'Inter', sans-serif; font-weight: 700; color: var(--color-text); }
.card p { font-size: 0.9375rem; margin-bottom: 20px; }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-primary);
  transition: gap var(--transition);
}

.card:hover .card-link { gap: 10px; }

/* Service cards (larger) */
.service-card {
  display: flex;
  flex-direction: column;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-primary);
}

.service-card-body { padding: 28px; flex: 1; display: flex; flex-direction: column; }
.service-card h3 { margin-bottom: 12px; color: var(--color-text); font-family: 'Inter', sans-serif; font-weight: 700; }
.service-card p { flex: 1; }
.service-card .btn { margin-top: 20px; align-self: flex-start; }

/* Process step cards */
.step-card { text-align: center; padding: 40px 28px; }

.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-on-primary);
  font-weight: 700;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: var(--shadow-gold);
}

/* 10. LENDER LOGOS */
.lenders-section { background: var(--color-bg-secondary); padding: 64px 0; }

/* Single-strip marquee: JS doubles the logos inside .lenders-inner,
   then we animate translateX(-50%) for a seamless infinite scroll */
.lenders-track {
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
}

.lenders-inner {
  display: flex;
  gap: 64px;
  align-items: center;
  width: max-content;
  animation: marquee 45s linear infinite;
}

.lenders-inner img {
  height: 52px;
  width: auto;
  object-fit: contain;
  opacity: 0.85;
  transition: opacity var(--transition), transform var(--transition);
  flex-shrink: 0;
}

.lenders-inner img:hover {
  opacity: 1;
  transform: scale(1.08);
}

[data-theme="dark"] .lenders-inner img { filter: brightness(1.15); opacity: 0.8; }
[data-theme="dark"] .lenders-inner img:hover { filter: brightness(1.35); opacity: 1; }

@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* 11. FEATURES / WHY US */
.feature-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 24px;
  border-radius: var(--radius);
  transition: all var(--transition);
}

.feature-item:hover { background: var(--color-primary-light); }

.feature-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  font-size: 1.2rem;
  flex-shrink: 0;
  transition: all var(--transition);
}

.feature-item:hover .feature-icon {
  background: var(--color-primary);
  color: var(--color-on-primary);
}

.feature-text h4 { margin-bottom: 6px; }
.feature-text p { font-size: 0.9rem; }

/* 12. TESTIMONIALS */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: relative;
  transition: all var(--transition);
}

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

.testimonial-stars {
  color: var(--color-primary);
  font-size: 0.875rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-quote {
  font-size: 0.9375rem;
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--color-primary);
  font-size: 1.1rem;
  flex-shrink: 0;
  overflow: hidden;
}

.testimonial-avatar img { width: 100%; height: 100%; object-fit: cover; }

.testimonial-info strong { display: block; font-size: 0.9375rem; color: var(--color-text); }
.testimonial-info span { font-size: 0.8125rem; color: var(--color-text-muted); }

/* 13. CTA SECTION */
.cta-section {
  background: linear-gradient(135deg, #0d0f14 0%, #1f1507 100%);
  padding: var(--sp-section) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 50%, rgba(201,168,76,0.12) 0%, transparent 65%);
}

.cta-section h2 { color: #ffffff; position: relative; }
.cta-section h2 span { color: var(--color-primary); }
.cta-section p { color: rgba(255,255,255,0.65); position: relative; max-width: 520px; margin: 0 auto 40px; }
.cta-section .btn { position: relative; }

/* 14. CONTACT FORM */
.form-group { margin-bottom: 20px; }

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--color-text);
}

.form-group label .req { color: var(--color-primary); margin-left: 2px; }

.form-control {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--color-border);
  border-radius: 8px;
  background: var(--color-bg);
  color: var(--color-text);
  font-size: 1rem;
  font-family: inherit;
  transition: all var(--transition);
  outline: none;
}

.form-control:focus {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}

.form-control::placeholder { color: var(--color-text-muted); opacity: 0.7; }

textarea.form-control {
  min-height: 140px;
  resize: vertical;
}

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 42px;
}

.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-success {
  display: none;
  padding: 16px 20px;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 8px;
  color: var(--color-primary-dark);
  font-weight: 500;
  text-align: center;
  margin-top: 16px;
}

.form-success.show { display: block; }

/* 15. CONTACT PAGE SPECIFICS */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }

.contact-info-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  border-radius: var(--radius);
  border: 1px solid var(--color-border);
  transition: all var(--transition);
  margin-bottom: 16px;
}

.contact-info-item:hover { border-color: var(--color-primary); }

.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--color-primary-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}

.map-embed {
  border-radius: var(--radius-lg);
  overflow: hidden;
  height: 280px;
  margin-top: 24px;
  border: 1px solid var(--color-border);
}

.map-embed iframe { width: 100%; height: 100%; border: none; }

/* 16. LOAN PAGE SPECIFICS */
.rba-callout {
  background: linear-gradient(135deg, rgba(201,168,76,0.12), rgba(201,168,76,0.04));
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  display: flex;
  align-items: center;
  gap: 24px;
  margin-bottom: 56px;
}

.rba-callout-icon {
  width: 52px;
  height: 52px;
  background: var(--color-primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--color-on-primary);
  flex-shrink: 0;
}

.rba-callout-body strong { display: block; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--color-text-muted); margin-bottom: 4px; }
.rba-callout-rate { font-family: 'Playfair Display', serif; font-size: 2.2rem; font-weight: 700; color: var(--color-primary); }
.rba-callout-meta { font-size: 0.8125rem; color: var(--color-text-muted); margin-top: 4px; }
.rba-callout-meta a { color: var(--color-primary); text-decoration: underline; }

/* Eligibility list */
.check-list { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.check-list li { display: flex; align-items: flex-start; gap: 12px; font-size: 0.9375rem; }
.check-list li::before {
  content: '';
  width: 22px;
  height: 22px;
  background: var(--color-primary);
  border-radius: 50%;
  flex-shrink: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231a1a1a' stroke-width='3'%3E%3Cpath d='M5 13l4 4L19 7'/%3E%3C/svg%3E");
  background-size: 13px;
  background-repeat: no-repeat;
  background-position: center;
  margin-top: 2px;
}

/* FAQ */
.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 12px;
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 20px 24px;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--color-text);
  background: var(--color-surface);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  transition: all var(--transition);
}

.faq-question:hover { color: var(--color-primary); }
.faq-question i { color: var(--color-primary); transition: transform var(--transition); flex-shrink: 0; }
.faq-item.open .faq-question i { transform: rotate(180deg); }

.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
}

.faq-item.open .faq-answer { max-height: 300px; padding: 0 24px 20px; }

/* About page */
.about-intro-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.about-img-placeholder {
  aspect-ratio: 4/3;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-bg-secondary));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  font-size: 4rem;
  border: 1px solid var(--color-border);
}

/* 17. FOOTER */
.footer {
  background: #0d0f14;
  color: rgba(255,255,255,0.75);
  padding: 72px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}

.footer-brand img { height: 40px; margin-bottom: 16px; }
.footer-brand p { font-size: 0.875rem; color: rgba(255,255,255,0.55); line-height: 1.7; max-width: 280px; }

.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: 20px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-col ul a:hover { color: var(--color-primary); padding-left: 4px; }
.footer-col ul a i { font-size: 0.75rem; }

.footer-address {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-address-item { display: flex; align-items: flex-start; gap: 10px; }
.footer-address-item i { color: var(--color-primary); margin-top: 3px; flex-shrink: 0; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-bottom-left {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

.footer-bottom-right {
  display: flex;
  gap: 20px;
  align-items: center;
}

.footer-bottom-right a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
  transition: color var(--transition);
}

.footer-bottom-right a:hover { color: var(--color-primary); }

/* 18. ANIMATIONS */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes bounceY {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(8px); }
}

/* Image placeholder (used where hero images don't exist yet) */
.img-placeholder {
  background: linear-gradient(135deg, var(--color-bg-secondary), var(--color-primary-light));
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  font-size: 3rem;
}

/* Section with bg alternate */
.bg-secondary { background: var(--color-bg-secondary); }
.bg-dark {
  background: #0d0f14;
  color: #f0f2f5;
}
.bg-dark p { color: rgba(240,242,245,0.65); }
.bg-dark h2, .bg-dark h3 { color: #f0f2f5; }

/* Divider */
.divider {
  width: 56px;
  height: 3px;
  background: var(--color-primary);
  border-radius: 2px;
  margin: 20px 0 32px;
}
.divider.center { margin: 20px auto 32px; }

/* Breadcrumb */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  color: var(--hero-scroll-clr);
  margin-bottom: 24px;
}
.breadcrumb a { color: var(--color-primary); }
.breadcrumb i { font-size: 0.65rem; }

/* Hero secondary / ghost button — adapts to light or dark hero */
.btn-hero-ghost {
  color: var(--hero-text);
  border: 2px solid rgba(26,26,26,0.2);
}
[data-theme="dark"] .btn-hero-ghost {
  color: #ffffff;
  border: 2px solid rgba(255,255,255,0.3);
}
.btn-hero-ghost:hover {
  background: rgba(201,168,76,0.15);
  border-color: var(--color-primary);
  color: var(--color-primary);
}

/* 19. RESPONSIVE */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .about-intro-grid { gap: 40px; }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 768px) {
  :root { --sp-section: 64px; }

  .nav-links,
  .nav-controls .btn,
  .rba-badge { display: none; }

  .nav-hamburger { display: flex; }

  .grid-2,
  .grid-3,
  .grid-4 { grid-template-columns: 1fr; }

  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }

  .testimonials-grid { grid-template-columns: 1fr; }

  .about-intro-grid { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr; gap: 32px; }

  .footer-bottom { flex-direction: column; text-align: center; }

  .form-grid-2 { grid-template-columns: 1fr; }

  .hero-actions { flex-direction: column; align-items: flex-start; }

  .contact-grid { grid-template-columns: 1fr; }

  .rba-callout { flex-direction: column; text-align: center; }

  h1 { font-size: 2.2rem; }
  h2 { font-size: 1.7rem; }
}

@media (max-width: 480px) {
  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .stat-number { font-size: 2rem; }
  .footer-bottom-right { flex-direction: column; gap: 10px; }
}