/* ============================================================
   CLIENT DEMO — BASE STYLE FRAMEWORK
   Copy this file to style.css in the new project, then:
   1. Update the :root variables to the client's brand
   2. Keep structure/utility classes as-is, add page-specific rules below
   ============================================================ */

:root {
  --color-primary: #0b0b0d;       /* rich black */
  --color-primary-soft: #16161a;
  --color-accent: #c9a227;        /* premium gold */
  --color-accent-light: #e6c75a;
  --color-accent-dark: #9c7d1a;
  --color-bg: #ffffff;
  --color-bg-soft: #f8f6f0;
  --color-text: #1c1c1e;
  --color-text-muted: #6b6b70;
  --font-heading: 'Playfair Display', serif;
  --font-body: 'Inter', sans-serif;
  --radius: 12px;
  --shadow-soft: 0 8px 30px rgba(0,0,0,0.10);
  --shadow-hover: 0 18px 44px rgba(0,0,0,0.18);
  --container-width: 1200px;
  --transition: 0.3s ease;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4 { font-family: var(--font-heading); font-weight: 700; line-height: 1.2; color: var(--color-primary); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 3vw, 1.5rem); }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container { max-width: var(--container-width); margin: 0 auto; padding: 0 20px; }
.section { padding: 100px 0; }
.section-soft { background: var(--color-bg-soft); }
.section-dark { background: var(--color-primary); color: #fff; }
.section-dark h1, .section-dark h2, .section-dark h3 { color: #fff; }
.text-center { text-align: center; }
.eyebrow { color: var(--color-accent); font-weight: 600; letter-spacing: 1px; text-transform: uppercase; font-size: 0.85rem; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 16px 34px;
  border-radius: 999px;
  font-weight: 600;
  font-family: var(--font-body);
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  cursor: pointer;
  border: none;
  font-size: 1rem;
}
.btn-primary { background: linear-gradient(135deg, var(--color-accent-light), var(--color-accent)); color: #0b0b0d; box-shadow: var(--shadow-soft); }
.btn-primary:hover { background: var(--color-accent-dark); color: #fff; transform: translateY(-3px); box-shadow: var(--shadow-hover); }
.btn-sm { padding: 10px 22px; font-size: 0.9rem; }
.btn-outline { background: transparent; color: var(--color-primary); border: 2px solid var(--color-primary); }
.btn-outline:hover { background: var(--color-primary); color: #fff; }
.section-dark .btn-outline { color: #fff; border-color: #fff; }
.section-dark .btn-outline:hover { background: #fff; color: var(--color-primary); }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(10px);
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 18px 20px; max-width: var(--container-width); margin: 0 auto; }
.logo { font-family: var(--font-heading); font-weight: 700; font-size: 1.4rem; color: var(--color-primary); }
.logo span { color: var(--color-accent); }
.nav-links { display: flex; gap: 32px; align-items: center; }
.nav-links a { font-weight: 500; transition: color var(--transition); }
.nav-links a:hover { color: var(--color-accent); }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; z-index: 1100; }
.hamburger span { width: 26px; height: 3px; background: var(--color-primary); border-radius: 2px; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* Hero */
.hero { padding: 90px 0 100px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 50px; align-items: center; }
.hero-actions { display: flex; gap: 16px; margin-top: 30px; flex-wrap: wrap; }
.hero-image { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-hover); }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 50px; }
.card {
  background: #fff; border-radius: var(--radius); padding: 36px 28px;
  box-shadow: var(--shadow-soft); transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow-hover); }
.card-icon { width: 56px; height: 56px; border-radius: 14px; background: var(--color-accent); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin-bottom: 20px; }

/* CTA banner */
.cta-banner {
  background: linear-gradient(120deg, var(--color-primary), #1f2933);
  color: #fff; border-radius: var(--radius); padding: 60px 40px;
  text-align: center; margin: 0 20px;
}
.cta-banner h2 { color: #fff; }
.cta-banner .btn-primary { margin-top: 24px; }

/* Gallery / filter */
.filter-bar { display: flex; gap: 14px; justify-content: center; margin: 40px 0; flex-wrap: wrap; }
.filter-btn { padding: 10px 22px; border-radius: 999px; border: 2px solid var(--color-primary); background: transparent; cursor: pointer; font-weight: 600; transition: var(--transition); }
.filter-btn.active, .filter-btn:hover { background: var(--color-primary); color: #fff; }
.gallery-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.gallery-item { border-radius: var(--radius); overflow: hidden; cursor: pointer; position: relative; box-shadow: var(--shadow-soft); aspect-ratio: 4/3; }
.gallery-item img { width: 100%; height: 100%; object-fit: cover; transition: transform var(--transition); }
.gallery-item:hover img { transform: scale(1.08); }
.gallery-item.hidden { display: none; }

/* Testimonials */
.testimonial-card { background: #fff; border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-soft); }
.testimonial-stars { color: var(--color-accent); margin-bottom: 12px; }
.testimonial-author { display: flex; align-items: center; gap: 14px; margin-top: 20px; }
.testimonial-author img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }

/* FAQ accordion */
.faq-item { border-bottom: 1px solid #e5e7eb; padding: 22px 0; }
.faq-question { display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 600; font-family: var(--font-heading); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding var(--transition); color: var(--color-text-muted); }
.faq-item.open .faq-answer { max-height: 400px; padding-top: 14px; }
.faq-icon { transition: transform var(--transition); }
.faq-item.open .faq-icon { transform: rotate(45deg); }

/* Blog */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.blog-card { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-soft); transition: transform var(--transition); }
.blog-card:hover { transform: translateY(-6px); }
.blog-card img { height: 200px; object-fit: cover; width: 100%; }
.blog-card-body { padding: 22px; }
.blog-tag { color: var(--color-accent); font-size: 0.8rem; font-weight: 700; text-transform: uppercase; }

/* Contact form */
.contact-form { display: grid; gap: 18px; }
.contact-form input, .contact-form textarea {
  width: 100%; padding: 14px 18px; border: 1.5px solid #e5e7eb; border-radius: 10px;
  font-family: var(--font-body); font-size: 1rem; transition: border var(--transition);
}
.contact-form input:focus, .contact-form textarea:focus { outline: none; border-color: var(--color-accent); }
.form-status { font-size: 0.9rem; margin-top: 6px; }

/* Footer */
.site-footer { background: var(--color-primary); color: #d1d5db; padding: 70px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
.footer-grid h4 { color: #fff; margin-bottom: 16px; }
.footer-grid a { color: #d1d5db; transition: color var(--transition); }
.footer-grid a:hover { color: var(--color-accent); }
.footer-bottom { text-align: center; margin-top: 50px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.1); font-size: 0.85rem; color: #9ca3af; }

/* WhatsApp floating button */
.whatsapp-float {
  position: fixed; bottom: 26px; right: 26px; z-index: 999;
  width: 60px; height: 60px; border-radius: 50%;
  background: #25D366; color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem; box-shadow: 0 8px 24px rgba(0,0,0,0.25);
  animation: pulse 2.2s infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(37,211,102,0.5); }
  70% { box-shadow: 0 0 0 16px rgba(37,211,102,0); }
  100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); }
}

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* Stats bar */
.stats-bar { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat-number { font-family: var(--font-heading); font-size: 2.4rem; font-weight: 700; color: var(--color-accent); }

/* ============================================================
   RESPONSIVE — mobile-first overrides
   ============================================================ */
@media (max-width: 1024px) {
  .card-grid, .gallery-grid, .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-links { position: fixed; top: 0; right: -100%; height: 100vh; width: 75%; max-width: 320px;
    background: #fff; flex-direction: column; justify-content: center; gap: 28px;
    transition: right var(--transition); box-shadow: -10px 0 30px rgba(0,0,0,0.1); }
  .nav-links.active { right: 0; }
  .hamburger { display: flex; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-image { order: -1; }
  .card-grid, .gallery-grid, .blog-grid { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; text-align: center; }
  .section { padding: 60px 0; }
  .cta-banner { padding: 40px 24px; margin: 0 16px; }
}

@media (min-width: 1600px) {
  .container { max-width: 1400px; }
}

/* ============================================================
   LOANFIRST SOLUTION — additional components
   ============================================================ */

/* Google Fonts import (Playfair Display + Inter) */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700;800&family=Inter:wght@400;500;600;700&display=swap');

body { background: var(--color-bg); }

/* Top utility bar */
.top-bar { background: var(--color-primary); color: #cfcfd2; font-size: 0.82rem; padding: 8px 0; }
.top-bar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 6px; }
.top-bar a { color: #e6c75a; }
.top-bar .top-bar-links { display: flex; gap: 22px; flex-wrap: wrap; }

/* Header tweaks */
.site-header { background: rgba(255,255,255,0.97); }
.logo { letter-spacing: 0.5px; }
.logo span { color: var(--color-accent); }
.nav-links a.btn-primary { padding: 12px 26px; }

/* Trust bar */
.trust-bar { background: var(--color-bg-soft); padding: 34px 0; border-top: 1px solid #eee; border-bottom: 1px solid #eee; }
.trust-bar .container { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 18px; }
.trust-bar-label { font-weight: 700; color: var(--color-text-muted); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 1px; }
.partner-logos { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.partner-logo-pill { background: #fff; border: 1px solid #e5e0d0; border-radius: 999px; padding: 8px 18px; font-weight: 600; font-size: 0.85rem; color: var(--color-primary); box-shadow: var(--shadow-soft); }

/* Service icon variant using gold ring */
.card-icon { background: var(--color-primary); color: var(--color-accent-light); border: 1px solid var(--color-accent); }
.card.gold-top { border-top: 3px solid var(--color-accent); }

/* Service grid (16 loan types) */
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 44px; }
.service-card { background: #fff; border-radius: var(--radius); padding: 28px 22px; box-shadow: var(--shadow-soft); border-top: 3px solid var(--color-accent); transition: transform var(--transition), box-shadow var(--transition); }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.service-card .card-icon { width: 48px; height: 48px; font-size: 1.3rem; margin-bottom: 16px; border-radius: 10px; }
.service-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.service-card p { color: var(--color-text-muted); font-size: 0.92rem; margin-bottom: 14px; }
.service-card a.learn-more { color: var(--color-accent-dark); font-weight: 700; font-size: 0.88rem; }
@media (max-width: 1024px) { .service-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .service-grid { grid-template-columns: 1fr; } }

/* Anchor offset for service jump-links */
.service-anchor { scroll-margin-top: 110px; }

/* Why-choose grid */
.icon-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; margin-top: 44px; }
.icon-grid .item { text-align: center; }
.icon-grid .item .num-icon { width: 64px; height: 64px; border-radius: 50%; background: var(--color-primary); color: var(--color-accent-light); display: flex; align-items: center; justify-content: center; font-size: 1.6rem; margin: 0 auto 16px; border: 2px solid var(--color-accent); }
@media (max-width: 768px) { .icon-grid { grid-template-columns: 1fr 1fr; } }

/* Process steps */
.process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 44px; counter-reset: step; }
.process-steps .step { position: relative; background: #fff; border-radius: var(--radius); padding: 32px 22px 22px; box-shadow: var(--shadow-soft); text-align: center; }
.process-steps .step::before { counter-increment: step; content: counter(step); position: absolute; top: -18px; left: 50%; transform: translateX(-50%); width: 36px; height: 36px; border-radius: 50%; background: var(--color-accent); color: #0b0b0d; font-weight: 800; display: flex; align-items: center; justify-content: center; font-family: var(--font-heading); }
@media (max-width: 768px) { .process-steps { grid-template-columns: 1fr 1fr; } }

/* Rating stars */
.testimonial-stars { color: var(--color-accent); font-size: 1.1rem; }

/* EMI Calculator */
.calc-wrap { display: grid; grid-template-columns: 1fr 0.9fr; gap: 44px; align-items: start; }
.calc-card { background: #fff; border-radius: var(--radius); padding: 36px; box-shadow: var(--shadow-soft); }
.calc-field { margin-bottom: 26px; }
.calc-field label { display: flex; justify-content: space-between; font-weight: 600; margin-bottom: 10px; }
.calc-field label .val { color: var(--color-accent-dark); font-family: var(--font-heading); }
.calc-field input[type="range"] { width: 100%; accent-color: var(--color-accent); height: 6px; }
.calc-result { background: var(--color-primary); color: #fff; border-radius: var(--radius); padding: 34px; text-align: center; }
.calc-result .big-num { font-family: var(--font-heading); font-size: 2.4rem; font-weight: 800; color: var(--color-accent-light); margin: 10px 0; }
.calc-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 24px; text-align: left; }
.calc-breakdown div { background: rgba(255,255,255,0.06); border-radius: 10px; padding: 14px 16px; }
.calc-breakdown .label { font-size: 0.78rem; color: #c9c9cc; text-transform: uppercase; letter-spacing: 0.5px; }
.calc-breakdown .value { font-family: var(--font-heading); font-size: 1.2rem; font-weight: 700; color: #fff; }
@media (max-width: 900px) { .calc-wrap { grid-template-columns: 1fr; } }

/* Eligibility Checker */
.elig-wrap { max-width: 780px; margin: 44px auto 0; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-soft); padding: 40px; }
.elig-step { display: none; }
.elig-step.active { display: block; }
.elig-progress { display: flex; gap: 8px; margin-bottom: 32px; }
.elig-progress span { flex: 1; height: 6px; border-radius: 4px; background: #eee; }
.elig-progress span.done { background: var(--color-accent); }
.elig-options { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin: 22px 0 30px; }
.elig-option { border: 1.5px solid #e5e0d0; border-radius: 10px; padding: 16px; text-align: center; cursor: pointer; font-weight: 600; transition: var(--transition); }
.elig-option:hover, .elig-option.selected { border-color: var(--color-accent); background: #fbf6e6; }
.elig-nav { display: flex; justify-content: space-between; margin-top: 10px; }
.elig-result { text-align: center; padding: 20px 0; }
.elig-result .status { font-family: var(--font-heading); font-size: 1.8rem; font-weight: 800; margin: 14px 0; }
.elig-result .status.eligible { color: #1a7d3c; }
.elig-result .status.review { color: var(--color-accent-dark); }
@media (max-width: 600px) { .elig-options { grid-template-columns: 1fr; } .elig-wrap { padding: 26px; } }

/* Location pages */
.location-hero { background: linear-gradient(120deg, var(--color-primary) 60%, var(--color-primary-soft)); color: #fff; padding: 80px 0 60px; }
.location-hero .eyebrow { color: var(--color-accent-light); }
.location-hero h1 { color: #fff; }
.location-badges { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 24px; }
.location-badges span { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2); border-radius: 999px; padding: 8px 18px; font-size: 0.85rem; }
.map-embed { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-soft); border: 1px solid #eee; }
.map-embed iframe { width: 100%; height: 340px; border: 0; display: block; }
.location-info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.location-contact-card { background: var(--color-bg-soft); border-radius: var(--radius); padding: 30px; }
.location-contact-card ul li { margin-bottom: 14px; display: flex; gap: 10px; }
.location-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.location-links a { background: #fff; border: 1px solid #e5e0d0; border-radius: 999px; padding: 8px 16px; font-size: 0.85rem; font-weight: 600; }
@media (max-width: 900px) { .location-info-grid { grid-template-columns: 1fr; } }

/* Partner page */
.partner-benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 44px; }
@media (max-width: 900px) { .partner-benefits { grid-template-columns: 1fr; } }

/* Disclaimer */
.disclaimer-note { font-size: 0.8rem; color: var(--color-text-muted); max-width: 900px; margin: 40px auto 0; text-align: center; line-height: 1.7; }

/* Breadcrumb */
.breadcrumb { font-size: 0.85rem; color: var(--color-text-muted); padding: 18px 0 0; }
.breadcrumb a { color: var(--color-accent-dark); font-weight: 600; }

/* Badge pill on hero */
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: var(--color-bg-soft); border: 1px solid #e5e0d0; border-radius: 999px; padding: 8px 16px; font-size: 0.82rem; font-weight: 600; color: var(--color-accent-dark); margin-bottom: 18px; }