/* ===========================================================
   Creed Funding Source — global stylesheet
   =========================================================== */

:root {
  --navy: #0a1f44;
  --navy-light: #13315c;
  --navy-deep: #061530;
  --gold: #c9a227;
  --gold-light: #e2c14a;
  --green: #1f8a5b;
  --ink: #1a2233;
  --slate: #4a5568;
  --muted: #6b7280;
  --line: #e4e8ef;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --bg-navy-grad: linear-gradient(135deg, #0a1f44 0%, #13315c 60%, #1a3a6b 100%);
  --radius: 14px;
  --radius-sm: 9px;
  --shadow-sm: 0 2px 8px rgba(10, 31, 68, 0.06);
  --shadow: 0 10px 30px rgba(10, 31, 68, 0.10);
  --shadow-lg: 0 24px 60px rgba(10, 31, 68, 0.16);
  --maxw: 1180px;
  --font: "Inter", "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { line-height: 1.18; color: var(--navy); font-weight: 800; letter-spacing: -0.02em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.6rem); }
h3 { font-size: 1.3rem; }
p { color: var(--slate); }
a { color: var(--navy); text-decoration: none; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 84px 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--bg-navy-grad); color: #fff; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }
.section--navy p { color: #c7d2e4; }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.section--navy .eyebrow { color: var(--gold-light); }

.lead { font-size: 1.15rem; color: var(--slate); max-width: 620px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  font-size: 1rem;
  padding: 14px 28px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  text-align: center;
}
.btn--gold { background: var(--gold); color: var(--navy-deep); box-shadow: 0 8px 20px rgba(201,162,39,.35); }
.btn--gold:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-light); transform: translateY(-2px); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy); }
.btn--light { background: #fff; color: var(--navy); }
.btn--light:hover { background: #eef2f8; transform: translateY(-2px); }
.btn--lg { padding: 17px 36px; font-size: 1.08rem; }
.btn--block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 11px; font-weight: 800; color: var(--navy); font-size: 1.22rem; letter-spacing: -0.02em; }
.brand__mark {
  width: 40px; height: 40px; border-radius: 10px;
  background: var(--bg-navy-grad);
  display: grid; place-items: center;
  color: var(--gold); font-weight: 900; font-size: 1.15rem;
  box-shadow: var(--shadow-sm);
}
.brand small { display: block; font-size: .62rem; font-weight: 600; letter-spacing: .14em; color: var(--gold); text-transform: uppercase; }
.nav__links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav__links a { font-weight: 600; color: var(--ink); font-size: .98rem; transition: color .15s; }
.nav__links a:hover, .nav__links a.active { color: var(--gold); }
.nav__cta { display: flex; align-items: center; gap: 16px; }
.nav__phone { font-weight: 700; color: var(--navy); white-space: nowrap; }
.nav__toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav__toggle span { display: block; width: 26px; height: 3px; background: var(--navy); border-radius: 3px; margin: 5px 0; transition: .25s; }

/* ---------- Hero ---------- */
.hero {
  background: var(--bg-navy-grad);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -10%; top: -30%;
  width: 620px; height: 620px;
  background: radial-gradient(circle, rgba(201,162,39,.22), transparent 60%);
  pointer-events: none;
}
.hero__inner { display: grid; grid-template-columns: 1.05fr .95fr; gap: 50px; align-items: center; padding: 92px 0; position: relative; z-index: 1; }
.hero h1 { color: #fff; }
.hero h1 .accent { color: var(--gold-light); }
.hero p { color: #cdd8ec; font-size: 1.18rem; margin: 20px 0 32px; max-width: 540px; }
.hero__cta { display: flex; gap: 16px; flex-wrap: wrap; }
.hero__trust { margin-top: 30px; display: flex; gap: 26px; flex-wrap: wrap; color: #aebbd4; font-size: .9rem; font-weight: 600; }
.hero__trust span { display: inline-flex; align-items: center; gap: 7px; }

/* hero card */
.hero__card {
  background: #fff;
  color: var(--ink);
  border-radius: 18px;
  padding: 30px;
  box-shadow: var(--shadow-lg);
}
.hero__card h3 { color: var(--navy); margin-bottom: 4px; }
.hero__card .muted { color: var(--muted); font-size: .9rem; margin-bottom: 20px; }
.range { margin: 18px 0; }
.range label { display: flex; justify-content: space-between; font-weight: 700; color: var(--navy); margin-bottom: 8px; font-size: .95rem; }
.range output { color: var(--gold); }
input[type=range] { width: 100%; accent-color: var(--gold); height: 6px; }
.hero__card .small { font-size: .8rem; color: var(--muted); margin-top: 14px; text-align: center; }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat { text-align: center; padding: 8px; }
.stat__num { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 900; color: var(--gold); letter-spacing: -.03em; }
.stat__label { color: #c7d2e4; font-weight: 600; font-size: .95rem; margin-top: 4px; }
.section:not(.section--navy) .stat__num { color: var(--navy); }
.section:not(.section--navy) .stat__label { color: var(--slate); }

/* ---------- Cards / grid ---------- */
.grid { display: grid; gap: 26px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #d6ddea; }
.card__icon {
  width: 52px; height: 52px; border-radius: 13px;
  background: linear-gradient(135deg, rgba(201,162,39,.16), rgba(201,162,39,.06));
  color: var(--gold); display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; }
.card p { font-size: .98rem; }
.card .amount { color: var(--gold); font-weight: 800; font-size: 1.05rem; display: block; margin: 12px 0 4px; }
.card__link { color: var(--gold); font-weight: 700; margin-top: 14px; display: inline-block; font-size: .95rem; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step; }
.step { position: relative; padding-top: 12px; }
.step__num {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: grid; place-items: center; font-weight: 900; font-size: 1.25rem; margin-bottom: 16px;
}
.section--navy .step__num { background: var(--gold); color: var(--navy-deep); }
.step h3 { margin-bottom: 6px; }

/* ---------- Testimonials ---------- */
.quote {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column; height: 100%;
}
.quote__stars { color: var(--gold); font-size: 1.05rem; letter-spacing: 2px; margin-bottom: 14px; }
.quote p { color: var(--ink); font-size: 1.02rem; font-style: italic; flex: 1; }
.quote__by { display: flex; align-items: center; gap: 13px; margin-top: 20px; }
.quote__avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--bg-navy-grad); color: var(--gold);
  display: grid; place-items: center; font-weight: 800;
}
.quote__name { font-weight: 800; color: var(--navy); font-size: .98rem; }
.quote__role { color: var(--muted); font-size: .85rem; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--bg-navy-grad); color: #fff; border-radius: 22px; padding: 56px; text-align: center; box-shadow: var(--shadow-lg); }
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: #cdd8ec; max-width: 560px; margin: 0 auto 26px; }

/* ---------- Page hero (interior) ---------- */
.page-hero { background: var(--bg-navy-grad); color: #fff; padding: 70px 0 60px; text-align: center; }
.page-hero h1 { color: #fff; }
.page-hero p { color: #cdd8ec; max-width: 640px; margin: 16px auto 0; font-size: 1.12rem; }
.crumbs { color: #9fb0cc; font-size: .85rem; margin-bottom: 14px; font-weight: 600; }
.crumbs a { color: var(--gold-light); }

/* ---------- Feature rows ---------- */
.feature-row { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
.feature-row + .feature-row { margin-top: 70px; }
.feature-row.reverse .feature-row__media { order: 2; }
.feature-row__media {
  background: var(--bg-navy-grad); border-radius: var(--radius); min-height: 320px;
  display: grid; place-items: center; color: var(--gold); font-size: 4rem; box-shadow: var(--shadow);
}
.check-list { list-style: none; margin-top: 18px; }
.check-list li { padding-left: 32px; position: relative; margin-bottom: 12px; color: var(--ink); font-weight: 500; }
.check-list li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  width: 22px; height: 22px; border-radius: 50%; background: rgba(31,138,91,.12);
  color: var(--green); font-weight: 900; font-size: .8rem; display: grid; place-items: center;
}

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq__item { border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 14px; background: #fff; overflow: hidden; }
.faq__q { width: 100%; text-align: left; background: none; border: 0; padding: 20px 24px; font-weight: 700; color: var(--navy); font-size: 1.05rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq__q::after { content: "+"; color: var(--gold); font-size: 1.5rem; transition: transform .2s; }
.faq__item.open .faq__q::after { transform: rotate(45deg); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height .25s ease; padding: 0 24px; }
.faq__item.open .faq__a { max-height: 400px; padding-bottom: 20px; }
.faq__a p { font-size: .98rem; }

/* ---------- Forms ---------- */
.form-wrap { max-width: 760px; margin: 0 auto; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 40px; }
.field { margin-bottom: 20px; }
.field label { display: block; font-weight: 700; color: var(--navy); margin-bottom: 7px; font-size: .92rem; }
.field .req { color: #c0392b; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font-family: inherit; font-size: 1rem; color: var(--ink); background: #fff; transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,162,39,.15);
}
.field textarea { min-height: 110px; resize: vertical; }
.field .hint { font-size: .82rem; color: var(--muted); margin-top: 6px; }
.field--file input { padding: 10px; background: var(--bg-soft); cursor: pointer; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 22px; }
.grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0 22px; }
.form-section-title { font-size: 1.15rem; color: var(--navy); margin: 8px 0 20px; padding-bottom: 10px; border-bottom: 2px solid var(--bg-soft); display: flex; align-items: center; gap: 10px; }
.form-section-title .n { width: 28px; height: 28px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: .9rem; font-weight: 800; }

/* multi-step */
.steps-bar { display: flex; gap: 8px; margin-bottom: 30px; }
.steps-bar__item { flex: 1; text-align: center; }
.steps-bar__dot { height: 6px; border-radius: 3px; background: var(--line); margin-bottom: 8px; transition: background .2s; }
.steps-bar__item.active .steps-bar__dot, .steps-bar__item.done .steps-bar__dot { background: var(--gold); }
.steps-bar__label { font-size: .78rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }
.steps-bar__item.active .steps-bar__label { color: var(--navy); }
.fstep { display: none; }
.fstep.active { display: block; animation: fade .25s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.form-nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 10px; }
.consent { display: flex; gap: 12px; align-items: flex-start; background: var(--bg-soft); padding: 16px; border-radius: var(--radius-sm); }
.consent input { width: auto; margin-top: 4px; flex-shrink: 0; }
.consent label { font-weight: 500; color: var(--slate); font-size: .85rem; margin: 0; }

/* contact layout */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 44px; align-items: start; }
.contact-info .info-item { display: flex; gap: 16px; margin-bottom: 26px; }
.contact-info .info-item .ic { width: 46px; height: 46px; border-radius: 12px; background: var(--bg-navy-grad); color: var(--gold); display: grid; place-items: center; font-size: 1.2rem; flex-shrink: 0; }
.contact-info h4 { color: var(--navy); margin-bottom: 2px; }
.contact-info a, .contact-info p { color: var(--slate); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #aebbd4; padding: 64px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 44px; }
.footer-brand .brand { color: #fff; margin-bottom: 16px; }
.footer-brand p { color: #8a9bbd; font-size: .92rem; max-width: 320px; }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: 16px; letter-spacing: .04em; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: #aebbd4; font-size: .92rem; transition: color .15s; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 14px; font-size: .82rem; color: #7587a8; }
.footer-disclaimer { font-size: .78rem; color: #6b7c9d; line-height: 1.7; margin-top: 18px; }

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; }
.mb-40 { margin-bottom: 40px; }
.text-gold { color: var(--gold); }
.hide { display: none !important; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero__inner { grid-template-columns: 1fr; gap: 36px; padding: 64px 0; }
  .feature-row, .contact-grid { grid-template-columns: 1fr; gap: 30px; }
  .feature-row.reverse .feature-row__media { order: 0; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 820px) {
  .nav__links, .nav__phone { display: none; }
  .nav__toggle { display: block; }
  .nav.open .nav__links {
    display: flex; flex-direction: column; position: absolute; top: 76px; left: 0; right: 0;
    background: #fff; padding: 20px 24px; gap: 16px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
  }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 30px; }
  .grid--3, .grid--2, .grid--4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 60px 0; }
  .cta-band { padding: 40px 24px; }
  .form-card { padding: 26px; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .stats { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
}