@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700;800;900&family=Open+Sans:wght@400;500;600&display=swap');

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

:root {
  --navy: #1a2238;
  --gold: #e8a838;
  --gold-dark: #d4952e;
  --white: #ffffff;
  --light-gray: #f5f5f5;
  --mid-gray: #666666;
  --dark-gray: #555555;
  --text-dark: #222222;
  --footer-bg: #2c2c2c;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Open Sans', sans-serif;
  color: var(--text-dark);
  line-height: 1.6;
  background: var(--white);
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
}

img {
  max-width: 100%;
  display: block;
}

/* ============ HEADER / NAVBAR ============ */
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 48px;
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.logo {
  display: flex;
  align-items: center;
  gap: 0;
}

.logo-img {
  height: 80px;
  max-height: 80px;
  width: auto;
  object-fit: contain;
}

.logo-icon {
  width: 60px;
  height: 60px;
  position: relative;
}

.logo-star {
  font-size: 52px;
  color: var(--gold);
  line-height: 1;
}

.logo-dollar {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -55%);
  font-size: 18px;
  font-weight: 800;
  color: var(--navy);
}

.logo-text {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 24px;
  color: var(--navy);
  line-height: 1.1;
}

.logo-text span {
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  font-weight: 500;
  color: var(--text-dark);
  transition: color 0.3s;
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--navy);
  transition: width 0.3s;
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-links a.active {
  font-weight: 600;
}

.btn-account {
  display: inline-block;
  padding: 10px 28px;
  background: var(--navy);
  color: var(--white) !important;
  font-family: 'Open Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  border-radius: 50px;
  transition: background 0.3s, transform 0.2s;
  cursor: pointer;
  border: none;
}

.btn-account:hover {
  background: #111a2e;
  transform: translateY(-1px);
}

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}

.menu-toggle span {
  width: 25px;
  height: 3px;
  background: var(--navy);
  border-radius: 2px;
  transition: 0.3s;
}

/* ============ HERO SECTION ============ */
.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 80px 24px;
  overflow: hidden;
}

.hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 0;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 700px;
}

.hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: 48px;
  font-weight: 900;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.hero p {
  font-size: 17px;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 28px;
}

.btn-gold {
  display: inline-block;
  padding: 12px 32px;
  background: var(--gold);
  color: var(--white);
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  border-radius: 50px;
  transition: background 0.3s, transform 0.2s;
  cursor: pointer;
  border: none;
}

.btn-gold:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
}

.hero-rating {
  margin-top: 20px;
  color: var(--white);
  font-size: 14px;
}

.hero-rating .stars {
  color: var(--gold);
  font-size: 18px;
  letter-spacing: 2px;
}

.trustpilot-label {
  margin-top: 8px;
  font-size: 16px;
  font-weight: 600;
  color: var(--white);
}

/* ============ STATS SECTION ============ */
.stats-section {
  padding: 64px 24px;
  text-align: center;
  background: var(--white);
}

.stats-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.stats-section p {
  color: var(--mid-gray);
  font-size: 16px;
  max-width: 550px;
  margin: 0 auto 40px;
}

.stats-row {
  display: flex;
  justify-content: center;
  gap: 80px;
  flex-wrap: wrap;
}

.stat-item h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 42px;
  font-weight: 800;
  color: var(--navy);
}

.stat-item span {
  display: block;
  font-size: 14px;
  color: var(--mid-gray);
  margin-top: 4px;
}

/* ============ SERVICES CARDS ============ */
.services-section {
  padding: 64px 24px;
  background: var(--light-gray);
  text-align: center;
}

.services-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.services-section>p {
  color: var(--mid-gray);
  font-size: 16px;
  margin-bottom: 40px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
  max-width: 960px;
  margin: 0 auto;
}

.service-card {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: transform 0.3s, box-shadow 0.3s;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.12);
}

.service-card img {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

.service-card-body {
  padding: 24px;
  text-align: left;
}

.service-card-body h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.service-card-body p {
  color: var(--mid-gray);
  font-size: 14px;
  line-height: 1.6;
}

/* ============ SUBSCRIBE / TESTIMONIAL ============ */
.subscribe-section {
  padding: 64px 24px;
  background: var(--gold);
  text-align: center;
}

.subscribe-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.subscribe-section p {
  color: var(--navy);
  font-size: 15px;
  margin-bottom: 28px;
}

.subscribe-form {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  max-width: 500px;
  margin: 0 auto 40px;
}

.subscribe-form input {
  flex: 1;
  min-width: 200px;
  padding: 12px 20px;
  border: none;
  border-radius: 50px;
  font-size: 14px;
  font-family: 'Open Sans', sans-serif;
  outline: none;
}

.subscribe-form button {
  padding: 12px 28px;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  font-family: 'Open Sans', sans-serif;
  cursor: pointer;
  transition: background 0.3s;
}

.subscribe-form button:hover {
  background: #111a2e;
}

.testimonial {
  max-width: 520px;
  margin: 0 auto;
  background: var(--white);
  border-radius: 12px;
  padding: 28px 32px;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
}

.testimonial p {
  font-style: italic;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.testimonial .author {
  font-weight: 600;
  color: var(--navy);
  font-style: normal;
}

.testimonial .stars {
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 2px;
}

/* ============ FOOTER ============ */
.footer {
  background: var(--footer-bg);
  color: rgba(255, 255, 255, 0.8);
  padding: 48px 48px 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  max-width: 1100px;
  margin: 0 auto;
}

.footer h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
}

.footer p,
.footer a {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.8;
}

.footer a:hover {
  color: var(--gold);
}

.footer-bottom {
  text-align: center;
  margin-top: 36px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 13px;
  color: rgba(255, 255, 255, 0.5);
}

/* ============ PAGE HEADER (inner pages) ============ */
.page-header {
  background: var(--gold);
  text-align: center;
  padding: 52px 24px;
}

.page-header h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: 40px;
  font-weight: 800;
  color: var(--navy);
}

.page-header p {
  font-size: 16px;
  color: var(--navy);
  margin-top: 8px;
}

/* ============ LOANS / SERVICES CONTENT ============ */
.content-section {
  padding: 64px 24px;
  max-width: 960px;
  margin: 0 auto;
}

.content-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  margin-top: 40px;
}

.content-section h2:first-child {
  margin-top: 0;
}

.content-section p {
  color: var(--dark-gray);
  font-size: 15px;
  line-height: 1.8;
  margin-bottom: 16px;
}

.content-section ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 16px;
}

.content-section ul li {
  color: var(--dark-gray);
  font-size: 15px;
  line-height: 1.8;
  margin-bottom: 6px;
}

.content-section ul li strong {
  color: var(--navy);
}

/* FAQ */
.faq-section {
  padding: 48px 24px;
  background: var(--light-gray);
}

.faq-container {
  max-width: 860px;
  margin: 0 auto;
}

.faq-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
  padding-bottom: 12px;
  border-bottom: 3px solid var(--gold);
  display: inline-block;
}

.faq-item {
  background: var(--white);
  border-radius: 8px;
  padding: 24px 28px;
  margin-bottom: 16px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
}

.faq-item h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.faq-item p {
  color: var(--dark-gray);
  font-size: 14px;
  line-height: 1.75;
}

/* Why Choose */
.why-choose {
  padding: 64px 24px;
  background: var(--white);
}

.why-choose-container {
  max-width: 860px;
  margin: 0 auto;
}

.why-choose h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 30px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
}

.why-choose-list {
  display: grid;
  gap: 20px;
}

.why-choose-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.why-choose-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  background: var(--gold);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: var(--white);
}

.why-choose-item h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.why-choose-item p {
  font-size: 14px;
  color: var(--mid-gray);
  line-height: 1.6;
}

.closing-text {
  max-width: 860px;
  margin: 0 auto;
  padding: 40px 24px 64px;
  background: var(--light-gray);
  text-align: center;
}

.closing-text p {
  font-size: 15px;
  color: var(--dark-gray);
  line-height: 1.8;
  font-style: italic;
}

/* ============ BANK AUTH PAGE ============ */
.bank-auth {
  background: #808080;
  min-height: calc(100vh - 84px);
  display: flex;
  align-items: stretch;
}

.bank-auth-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 40px 24px;
  gap: 40px;
  align-items: start;
}

.bank-auth-info {
  background: url('images/earth-night.png') center/cover no-repeat;
  border-radius: 12px;
  overflow: hidden;
  min-height: 520px;
}

.bank-auth-info-content {
  padding: 40px 32px;
  color: var(--white);
  background: rgba(0, 0, 0, 0.4);
  min-height: 520px;
}

.bank-auth-info h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 36px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.2;
}

.bank-auth-info .security-text {
  font-size: 14px;
  font-weight: 700;
  line-height: 1.7;
  margin-bottom: 32px;
  color: rgba(255, 255, 255, 0.95);
}

.bank-auth-info h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}

.bank-auth-info p {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.7;
  margin-bottom: 12px;
}

.bank-auth-info ul {
  list-style: disc;
  padding-left: 20px;
  margin-bottom: 16px;
}

.bank-auth-info ul li {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.8;
}

.bank-auth-info .closing-note {
  margin-top: 8px;
  font-weight: 600;
}

/* Form Panel */
.bank-auth-form-panel {
  padding-top: 8px;
}

.bank-auth-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--text-dark);
}

.form-group input {
  padding: 14px 18px;
  border: 1px solid #ddd;
  border-radius: 8px;
  font-size: 14px;
  font-family: 'Open Sans', sans-serif;
  background: var(--white);
  outline: none;
  transition: border-color 0.3s;
}

.form-group input:focus {
  border-color: var(--navy);
}

.btn-submit {
  display: inline-block;
  width: fit-content;
  padding: 12px 36px;
  background: var(--navy);
  color: var(--white);
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: background 0.3s, transform 0.2s;
  margin-top: 8px;
}

.btn-submit:hover {
  background: #111a2e;
  transform: translateY(-1px);
}

@media (max-width: 768px) {
  .bank-auth-grid {
    grid-template-columns: 1fr;
    padding: 20px 16px;
  }

  .bank-auth-info {
    min-height: auto;
  }

  .bank-auth-info-content {
    min-height: auto;
  }
}

/* ============ ACCOUNT LINK PAGE ============ */
.account-link-section {
  position: relative;
  min-height: 600px;
}

.account-link-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 1;
}

.account-link-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

.account-link-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 48px 24px;
  align-items: start;
}

.account-link-info-content {
  color: var(--white);
  padding: 16px 0;
}

.account-link-info-content h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 16px;
  line-height: 1.4;
}

.account-link-info-content p {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.75;
  margin-bottom: 16px;
}

.account-link-info-content .disclaimer {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.7;
}

.account-link-form-panel {
  background: rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  padding: 8px 0;
}

.account-link-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.account-link-form .form-group label {
  color: var(--white);
}

.account-link-form .form-group input {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.account-link-form .btn-submit {
  align-self: center;
}

@media (max-width: 768px) {
  .account-link-grid {
    grid-template-columns: 1fr;
    padding: 24px 16px;
  }

  .account-link-form-panel {
    order: -1;
  }
}

/* ============ THANK YOU PAGE ============ */
.thank-you-section {
  min-height: calc(100vh - 84px - 180px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 64px 24px;
  background: linear-gradient(135deg, #f5f7fa 0%, #e8ecf1 100%);
}

.thank-you-card {
  background: var(--white);
  border-radius: 16px;
  padding: 48px 40px;
  max-width: 560px;
  width: 100%;
  text-align: center;
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.08);
  animation: fadeInUp 0.6s ease-out;
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.thank-you-icon {
  margin-bottom: 24px;
  animation: scaleIn 0.5s ease-out 0.2s both;
}

@keyframes scaleIn {
  from {
    opacity: 0;
    transform: scale(0.5);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

.thank-you-card h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: 36px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}

.thank-you-message {
  font-size: 16px;
  color: var(--mid-gray);
  line-height: 1.7;
  margin-bottom: 32px;
}

.thank-you-details {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 32px;
  text-align: left;
}

.detail-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  background: var(--light-gray);
  border-radius: 10px;
  font-size: 14px;
  color: var(--dark-gray);
  transition: transform 0.2s, box-shadow 0.2s;
}

.detail-item:hover {
  transform: translateX(4px);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.detail-icon {
  font-size: 20px;
  min-width: 28px;
  text-align: center;
}

.thank-you-btn {
  display: inline-block;
  padding: 14px 40px;
  font-size: 15px;
}

@media (max-width: 768px) {
  .thank-you-card {
    padding: 36px 24px;
  }

  .thank-you-card h1 {
    font-size: 28px;
  }
}

/* ============ COOKIE BANNER ============ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--white);
  padding: 14px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  box-shadow: 0 -2px 12px rgba(0, 0, 0, 0.1);
  z-index: 2000;
  font-size: 13px;
  color: var(--mid-gray);
}

.cookie-banner.hidden {
  display: none;
}

.cookie-btns {
  display: flex;
  gap: 12px;
}

.cookie-btns button {
  padding: 8px 20px;
  border-radius: 4px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  font-family: 'Open Sans', sans-serif;
}

.cookie-accept {
  background: var(--navy);
  color: var(--white);
  border: 1px solid var(--navy);
}

.cookie-decline {
  background: transparent;
  color: var(--text-dark);
  border: 1px solid #ccc;
}

/* ============ RESPONSIVE ============ */
@media (max-width: 768px) {
  .navbar {
    padding: 12px 20px;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 20px;
    gap: 16px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  }

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

  .menu-toggle {
    display: flex;
  }

  .hero h1 {
    font-size: 32px;
  }

  .stats-row {
    gap: 40px;
  }

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

  .cookie-banner {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
}