/* =========================================
   Business Capital Advisors — Main Stylesheet
   ========================================= */

/* ---- CSS Variables ---- */
:root {
  --navy:       #0d1f3c;
  --navy-deep:  #081428;
  --navy-mid:   #122848;
  --gold:       #c9a84c;
  --gold-light: #e2c06a;
  --white:      #ffffff;
  --light-bg:   #f4f7fc;
  --text-dark:  #1a2740;
  --text-mid:   #4a5568;
  --text-light: #718096;
  --border:     #e2e8f0;
  --green:      #2e7d32;
  --radius:     10px;
  --shadow:     0 4px 24px rgba(13,31,60,0.12);
  --shadow-lg:  0 8px 40px rgba(13,31,60,0.18);
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
}

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

a { color: var(--gold); text-decoration: none; }
a:hover { color: var(--gold-light); }

/* ---- Typography ---- */
h1, h2, h3, h4 { font-weight: 700; line-height: 1.25; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: 1.25rem; }

.section-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}

.section-title {
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.section-sub {
  color: var(--text-mid);
  font-size: 1.05rem;
  max-width: 580px;
  margin: 0 auto 2.5rem;
}

/* ---- Layout ---- */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

section { padding: 80px 0; }

.text-center { text-align: center; }

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.2s ease;
  border: 2px solid transparent;
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}

.btn-lg { padding: 1rem 2.5rem; font-size: 1.1rem; }

/* =========================================
   HEADER / NAV
   ========================================= */
header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy-deep);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  padding: 0;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.5rem;
  max-width: 1180px;
  margin: 0 auto;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--white);
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.logo-icon {
  width: 38px;
  height: 38px;
  background: var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--navy-deep);
}

.logo span { color: var(--gold); }

nav { display: flex; align-items: center; gap: 1.8rem; }

nav a {
  color: rgba(255,255,255,0.8);
  font-size: 0.92rem;
  font-weight: 500;
  transition: color 0.2s;
}
nav a:hover { color: var(--gold); }

.nav-cta .btn { padding: 0.55rem 1.3rem; font-size: 0.9rem; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s;
}

/* =========================================
   HERO SECTION
   ========================================= */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, #1a3a6b 100%);
  color: var(--white);
  padding: 0;
  overflow: hidden;
  min-height: 88vh;
  display: flex;
  align-items: center;
}

.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 70% 50%, rgba(201,168,76,0.07) 0%, transparent 65%),
    url('../images/hero-bg.jpg') center/cover no-repeat;
  opacity: 0.35;
}

.hero-grid-pattern {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 680px;
  padding: 5rem 1.5rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold);
  padding: 0.4rem 1rem;
  border-radius: 100px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
  text-shadow: 0 2px 20px rgba(0,0,0,0.3);
}

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

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 2rem;
  max-width: 560px;
  line-height: 1.7;
}

.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}

.hero-stats {
  display: flex;
  gap: 2.5rem;
  flex-wrap: wrap;
}

.hero-stat {
  display: flex;
  flex-direction: column;
}

.hero-stat .num {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}

.hero-stat .lbl {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  margin-top: 0.2rem;
}

/* =========================================
   TRUST BAR
   ========================================= */
.trust-bar {
  background: var(--gold);
  padding: 1rem 0;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--navy-deep);
  font-size: 0.9rem;
  font-weight: 700;
}

.trust-item svg { flex-shrink: 0; }

/* =========================================
   LOAN TYPES
   ========================================= */
.loan-types { background: var(--white); }

.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}

.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.75rem 1.5rem;
  text-align: center;
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
}

.loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

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

.loan-card:hover::before { transform: scaleX(1); }

.loan-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.2rem;
  font-size: 1.7rem;
}

.loan-card h3 {
  color: var(--navy);
  margin-bottom: 0.6rem;
  font-size: 1.1rem;
}

.loan-card p {
  color: var(--text-mid);
  font-size: 0.9rem;
  line-height: 1.6;
  margin-bottom: 1.25rem;
}

.loan-card .card-link {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  transition: gap 0.2s;
}
.loan-card:hover .card-link { gap: 0.6rem; }

/* =========================================
   HOW IT WORKS
   ========================================= */
.how-it-works { background: var(--light-bg); }

.steps-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
  position: relative;
}

.steps-row::before {
  content: '';
  position: absolute;
  top: 52px;
  left: 16%;
  right: 16%;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--gold) 0, var(--gold) 8px, transparent 8px, transparent 18px);
  z-index: 0;
}

.step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-num {
  width: 64px;
  height: 64px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  margin: 0 auto 1.25rem;
  border: 3px solid var(--gold);
}

.step h3 { color: var(--navy); margin-bottom: 0.5rem; }
.step p { color: var(--text-mid); font-size: 0.93rem; }

/* =========================================
   ELIGIBILITY
   ========================================= */
.eligibility {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.eligibility::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 20% 80%, rgba(201,168,76,0.08) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 20%, rgba(201,168,76,0.05) 0%, transparent 45%);
}

.eligibility .container { position: relative; z-index: 1; }

.elig-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.elig-left .section-title { color: var(--white); }
.elig-left .section-sub { color: rgba(255,255,255,0.7); margin: 0 0 2rem; }

.elig-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.elig-list li {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: 1rem;
  color: rgba(255,255,255,0.9);
}

.elig-check {
  width: 36px;
  height: 36px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 1rem;
}

.elig-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius);
  padding: 2.5rem 2rem;
  text-align: center;
}

.elig-card h3 {
  color: var(--gold);
  font-size: 1.35rem;
  margin-bottom: 0.75rem;
}

.elig-card p {
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  margin-bottom: 2rem;
  line-height: 1.7;
}

.qualifier-items {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
  text-align: left;
}

.qualifier-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.05);
  border-radius: 6px;
  padding: 0.65rem 1rem;
  font-size: 0.9rem;
}

.qualifier-item .qi-label { color: rgba(255,255,255,0.7); }
.qualifier-item .qi-val { color: var(--gold); font-weight: 700; }

/* =========================================
   LOAN AMOUNTS CALCULATOR STRIP
   ========================================= */
.amounts-strip { background: var(--white); padding: 60px 0; }

.amounts-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.amount-item {
  text-align: center;
  padding: 1.5rem 3rem;
  border-right: 1px solid var(--border);
}
.amount-item:last-child { border-right: none; }

.amount-item .amount {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}

.amount-item .amount-label {
  font-size: 0.85rem;
  color: var(--text-light);
  margin-top: 0.3rem;
}

/* =========================================
   FAQ
   ========================================= */
.faq { background: var(--light-bg); }

.faq-list {
  max-width: 780px;
  margin: 3rem auto 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  gap: 1rem;
  transition: background 0.2s;
}

.faq-q:hover { background: var(--light-bg); }

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
  transition: transform 0.3s, background 0.2s;
  font-weight: 400;
  line-height: 1;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--gold);
  color: var(--navy);
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 1.5rem;
  color: var(--text-mid);
  font-size: 0.95rem;
  line-height: 1.75;
}

.faq-item.open .faq-a {
  max-height: 300px;
  padding: 0.5rem 1.5rem 1.25rem;
}

/* =========================================
   FINAL CTA BANNER
   ========================================= */
.cta-banner {
  background: var(--gold);
  padding: 70px 0;
  text-align: center;
}

.cta-banner h2 { color: var(--navy-deep); margin-bottom: 0.75rem; }

.cta-banner p {
  color: var(--navy);
  opacity: 0.8;
  font-size: 1.05rem;
  margin-bottom: 2rem;
}

.cta-banner .btn-primary {
  background: var(--navy-deep);
  color: var(--white);
  border-color: var(--navy-deep);
}
.cta-banner .btn-primary:hover {
  background: var(--navy);
  border-color: var(--navy);
  box-shadow: 0 6px 20px rgba(13,31,60,0.3);
}

/* =========================================
   FOOTER
   ========================================= */
footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.65);
  padding: 50px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 2.5rem;
}

.footer-col h4 {
  color: var(--white);
  font-size: 0.95rem;
  margin-bottom: 1rem;
  font-weight: 700;
}

.footer-col p {
  font-size: 0.88rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.55);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-links a {
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  transition: color 0.2s;
}

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

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}

.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--gold); }

.disclosure {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  margin-top: 1.5rem;
  line-height: 1.65;
  border-top: 1px solid rgba(255,255,255,0.07);
  padding-top: 1.5rem;
}

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width: 900px) {
  .elig-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .steps-row::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  nav { display: none; }
  nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy-deep);
    padding: 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.1);
    gap: 1.25rem;
    z-index: 999;
  }
  .hamburger { display: flex; }
  .nav-inner { position: relative; }
}

@media (max-width: 600px) {
  section { padding: 55px 0; }
  .hero-content { padding: 3.5rem 1.5rem; }
  .hero-stats { gap: 1.5rem; }
  .amounts-inner { flex-direction: column; }
  .amount-item { border-right: none; border-bottom: 1px solid var(--border); width: 100%; padding: 1rem; }
  .amount-item:last-child { border-bottom: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.75rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; text-align: center; }
}


/* Simple inner policy pages */
.policy-page { background: var(--light-bg); padding: 70px 0; }
.policy-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); padding: 2.25rem; max-width: 900px; margin: 0 auto; }
.policy-card h1 { color: var(--navy); margin-bottom: 1rem; }
.policy-card h2 { color: var(--navy); font-size: 1.35rem; margin: 1.8rem 0 .6rem; }
.policy-card p, .policy-card li { color: var(--text-mid); margin-bottom: .85rem; }
.policy-card ul { padding-left: 1.25rem; }
.policy-card .back-link { display: inline-block; margin-top: 1rem; font-weight: 700; }