/* ==========================================================================
   Corporate Credit Solutions — Modernized Static Site
   Design system: Blue/Navy/Cream with bold typography
   ========================================================================== */

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

:root {
  --ccs-blue: #2095e0;
  --ccs-blue-dark: #1b6fb1;
  --ccs-navy: #0f3a5f;
  --ccs-navy-deep: #082640;
  --ccs-cream: #f7f5ef;
  --ccs-gold: #d4a849;
  --ccs-text: #1a2530;
  --ccs-text-muted: #5a6b7a;
  --ccs-border: #e3e6ea;
  --ccs-bg: #ffffff;
  --ccs-bg-soft: #f4f7fb;
  --ccs-success: #2a9d6e;

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 18px;

  --shadow-sm: 0 1px 2px rgba(15,58,95,.06), 0 1px 3px rgba(15,58,95,.05);
  --shadow-md: 0 4px 12px rgba(15,58,95,.08), 0 2px 6px rgba(15,58,95,.05);
  --shadow-lg: 0 18px 40px rgba(15,58,95,.12), 0 8px 16px rgba(15,58,95,.08);

  --font-display: 'Montserrat', 'Helvetica Neue', Arial, sans-serif;
  --font-body: 'Open Sans', 'Helvetica Neue', Arial, sans-serif;

  --max-w: 1200px;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  color: var(--ccs-text);
  line-height: 1.6;
  background: var(--ccs-bg);
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--ccs-blue-dark); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--ccs-navy); }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--ccs-navy);
  line-height: 1.25;
  font-weight: 700;
  margin-bottom: .6em;
}
h1 { font-size: clamp(2rem, 4vw, 3.2rem); letter-spacing: -0.5px; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); letter-spacing: -0.3px; }
h3 { font-size: clamp(1.25rem, 2vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { margin-bottom: 1em; }
ul, ol { margin-bottom: 1em; padding-left: 1.4em; }
li { margin-bottom: .35em; }

/* ----- Layout containers ----- */
.container { width: 100%; max-width: var(--max-w); margin: 0 auto; padding: 0 1.25rem; }
.section { padding: 4rem 0; }
.section-tight { padding: 2.5rem 0; }
.section-soft { background: var(--ccs-bg-soft); }
.section-navy { background: linear-gradient(135deg, var(--ccs-navy) 0%, var(--ccs-navy-deep) 100%); color: #fff; }
.section-navy h1, .section-navy h2, .section-navy h3, .section-navy h4 { color: #fff; }

/* ----- Top contact bar ----- */
.topbar {
  background: var(--ccs-navy-deep);
  color: #d8e4ee;
  font-size: .85rem;
  padding: .55rem 0;
}
.topbar .container {
  display: flex;
  justify-content: flex-end;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.topbar a {
  color: #d8e4ee;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
}
.topbar a:hover { color: #fff; }

/* ----- Header & Navigation ----- */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--ccs-border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: .75rem 0;
  gap: 1rem;
  flex-wrap: nowrap;
}
.header-left {
  display: flex;
  align-items: center;
  gap: 2rem;
  flex: 1;
  min-width: 0;
}
.quick-nav {
  display: flex;
  align-items: center;
  gap: .25rem;
}
.quick-nav a {
  display: inline-block;
  padding: .55rem .85rem;
  color: var(--ccs-navy);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .85rem;
  text-transform: uppercase;
  letter-spacing: .3px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
  transition: background .15s ease, color .15s ease;
}
.quick-nav a:hover {
  background: var(--ccs-bg-soft);
  color: var(--ccs-blue-dark);
}
.quick-nav a.nav-featured {
  background: linear-gradient(135deg, var(--ccs-gold), #c4992f);
  color: #fff;
  font-weight: 700;
  box-shadow: 0 2px 8px rgba(212, 168, 73, 0.35);
}
.quick-nav a.nav-featured:hover {
  background: linear-gradient(135deg, #c4992f, var(--ccs-gold));
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(212, 168, 73, 0.5);
}
@media (max-width: 900px) {
  .header-left { gap: 1rem; }
  .quick-nav { display: none; }
}
.logo {
  display: inline-block;
  line-height: 0;
  flex-shrink: 0;
}
.logo img {
  height: 48px;
  width: auto;
  max-width: 240px;
  display: block;
  object-fit: contain;
}
@media (max-width: 1400px) { .logo img { height: 44px; max-width: 220px; } }
@media (max-width: 768px) { .logo img { height: 40px; max-width: 200px; } }
@media (max-width: 480px) { .logo img { height: 34px; max-width: 170px; } }

.nav-toggle {
  display: none;
  background: #fff;
  color: var(--ccs-navy);
  border: 1px solid var(--ccs-border);
  cursor: pointer;
  width: 48px;
  height: 48px;
  padding: 0;
  border-radius: 10px;
  line-height: 1;
  transition: box-shadow .15s ease, border-color .15s ease, transform .15s ease;
  flex-shrink: 0;
  font-weight: 700;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
  position: relative;
  font-size: 0;
}
.nav-toggle::before,
.nav-toggle::after,
.nav-toggle span {
  content: "";
  display: block;
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 22px;
  height: 2.5px;
  background: var(--ccs-navy);
  border-radius: 2px;
  transition: transform .2s ease, opacity .2s ease, top .2s ease;
}
.nav-toggle::before { top: 15px; }
.nav-toggle span { top: 22.5px; }
.nav-toggle::after { top: 30px; }
.nav-toggle:hover {
  border-color: var(--ccs-blue);
  box-shadow: 0 2px 8px rgba(15, 58, 95, 0.12);
}
.nav-toggle[aria-expanded="true"]::before {
  top: 22.5px;
  transform: translateX(-50%) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] span { opacity: 0; }
.nav-toggle[aria-expanded="true"]::after {
  top: 22.5px;
  transform: translateX(-50%) rotate(-45deg);
}
.nav-toggle:focus-visible { outline: 2px solid var(--ccs-gold); outline-offset: 2px; }

.main-nav { display: flex; }
.main-nav ul { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: nowrap; gap: .15rem; align-items: center; }
.main-nav li { position: relative; margin: 0; }
.main-nav > ul > li > a {
  display: block;
  padding: .6rem .7rem;
  color: var(--ccs-navy);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .3px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
}
.main-nav > ul > li > a:hover { background: var(--ccs-bg-soft); color: var(--ccs-blue-dark); }
.main-nav > ul > li > a.nav-featured {
  background: linear-gradient(135deg, var(--ccs-gold), #c4992f);
  color: #fff !important;
  font-weight: 700;
  position: relative;
  box-shadow: 0 2px 8px rgba(212, 168, 73, 0.35);
}
.main-nav > ul > li > a.nav-featured:hover {
  background: linear-gradient(135deg, #c4992f, var(--ccs-gold));
  color: #fff !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(212, 168, 73, 0.5);
}
.main-nav .has-sub > a::after {
  content: " ▾";
  font-size: .7rem;
  opacity: .7;
}

/* dropdown */
.submenu {
  list-style: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 260px;
  background: #fff;
  border: 1px solid var(--ccs-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: .5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .2s ease, transform .2s ease, visibility .2s;
  z-index: 200;
  display: flex;
  flex-direction: column;
  flex-wrap: nowrap;
  gap: 0;
}
.main-nav li:hover > .submenu,
.main-nav li:focus-within > .submenu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.submenu li { margin: 0; width: 100%; }
.submenu a {
  display: block;
  padding: .6rem .85rem;
  font-size: .88rem;
  color: var(--ccs-text);
  border-radius: var(--radius-sm);
  text-transform: none;
  letter-spacing: 0;
  font-weight: 500;
  white-space: nowrap;
}
.submenu a:hover { background: var(--ccs-bg-soft); color: var(--ccs-blue-dark); }

/* nested submenu */
.submenu .submenu {
  top: 0;
  left: 100%;
  margin-left: .25rem;
}

/* ----- Buttons ----- */
.btn {
  display: inline-block;
  padding: .85rem 1.6rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .92rem;
  text-transform: uppercase;
  letter-spacing: .6px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all .2s ease;
  text-align: center;
  line-height: 1.3;
}
.btn-primary { background: var(--ccs-blue); color: #fff; border-color: var(--ccs-blue); }
.btn-primary:hover { background: var(--ccs-blue-dark); border-color: var(--ccs-blue-dark); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-secondary { background: var(--ccs-navy); color: #fff; border-color: var(--ccs-navy); }
.btn-secondary:hover { background: var(--ccs-navy-deep); border-color: var(--ccs-navy-deep); color: #fff; }
.btn-gold { background: var(--ccs-gold); color: var(--ccs-navy-deep); border-color: var(--ccs-gold); }
.btn-gold:hover { background: #c19840; border-color: #c19840; color: var(--ccs-navy-deep); }
.btn-outline { background: transparent; color: var(--ccs-navy); border-color: var(--ccs-navy); }
.btn-outline:hover { background: var(--ccs-navy); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: #fff; }
.btn-outline-light:hover { background: #fff; color: var(--ccs-navy); }
.btn-block { display: block; width: 100%; }
.btn-lg { padding: 1.05rem 2rem; font-size: 1rem; }

/* ----- Hero ----- */
.hero {
  position: relative;
  background:
    linear-gradient(135deg, rgba(8,38,64,.92) 0%, rgba(27,111,177,.85) 100%),
    radial-gradient(circle at 20% 30%, rgba(32,149,224,.5), transparent 60%),
    radial-gradient(circle at 80% 70%, rgba(212,168,73,.25), transparent 60%),
    var(--ccs-navy-deep);
  color: #fff;
  padding: 5rem 0 4rem;
  overflow: hidden;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 3rem;
  align-items: center;
}
.hero h1 { color: #fff; margin-bottom: 1rem; }
.hero .eyebrow {
  display: inline-block;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  padding: .35rem .85rem;
  border-radius: 999px;
  font-family: var(--font-display);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
  color: #b3d8f0;
}
.hero p.lead { font-size: 1.15rem; color: #e5edf3; margin-bottom: 1.75rem; max-width: 620px; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

.hero-form {
  background: #fff;
  color: var(--ccs-text);
  padding: 2rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.hero-form h3 {
  color: var(--ccs-navy);
  margin-bottom: .25rem;
  font-size: 1.3rem;
}
.hero-form .small-note {
  color: var(--ccs-text-muted);
  font-size: .85rem;
  margin-bottom: 1.25rem;
}

/* ----- Forms ----- */
.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .85rem;
  margin-bottom: .35rem;
  color: var(--ccs-navy);
}
.form-control {
  width: 100%;
  padding: .75rem .9rem;
  font: inherit;
  font-size: .95rem;
  border: 1.5px solid var(--ccs-border);
  border-radius: var(--radius-sm);
  background: #fff;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.form-control:focus {
  outline: 0;
  border-color: var(--ccs-blue);
  box-shadow: 0 0 0 3px rgba(32,149,224,.15);
}
textarea.form-control { resize: vertical; min-height: 110px; }

/* ----- Page heading banner ----- */
.page-banner {
  background: linear-gradient(135deg, var(--ccs-navy) 0%, var(--ccs-navy-deep) 100%);
  color: #fff;
  padding: 3.5rem 0 2.75rem;
  position: relative;
  overflow: hidden;
}
.page-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 30%, rgba(32,149,224,.25), transparent 50%);
  pointer-events: none;
}
.page-banner h1 { color: #fff; margin-bottom: .35rem; position: relative; }
.page-banner .crumbs {
  font-size: .9rem;
  color: #b3d8f0;
  position: relative;
}
.page-banner .crumbs a { color: #b3d8f0; }
.page-banner .crumbs a:hover { color: #fff; }

/* ----- Card grids ----- */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff;
  border: 1px solid var(--ccs-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s ease, transform .2s ease;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card h3 { font-size: 1.2rem; margin-bottom: .6rem; }
.card .icon {
  width: 54px;
  height: 54px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--ccs-blue), var(--ccs-blue-dark));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1rem;
}

/* ----- Founder card with portrait ----- */
.founder-card { padding-top: 2rem; }
.founder-portrait {
  width: 180px;
  height: 180px;
  margin: 0 auto 1.5rem;
  border-radius: 50%;
  overflow: hidden;
  border: 4px solid var(--ccs-blue);
  box-shadow: 0 8px 24px rgba(15, 58, 95, 0.18);
  background: linear-gradient(135deg, var(--ccs-cream), #fff);
  position: relative;
}
.founder-portrait::after {
  content: "";
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--ccs-blue), var(--ccs-gold));
  z-index: -1;
}
.founder-portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.founder-card h3 {
  text-align: center;
  font-size: 1.5rem;
  margin-bottom: .3rem;
}
.founder-card > p:nth-of-type(1) {
  text-align: center;
  color: var(--ccs-blue-dark);
  margin-bottom: 1.5rem;
  font-size: .95rem;
  letter-spacing: .5px;
}

/* ----- Feature row (numbered steps) ----- */
.step-row {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 1.25rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--ccs-border);
}
.step-row:last-child { border-bottom: 0; }
.step-num {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--ccs-blue), var(--ccs-navy));
  color: #fff;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.step-row h4 { color: var(--ccs-navy); margin-bottom: .35rem; font-size: 1.15rem; }

/* ----- Highlight stats / benefit pills ----- */
.benefit-pill {
  background: var(--ccs-bg-soft);
  border-left: 4px solid var(--ccs-blue);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-sm);
  margin-bottom: .75rem;
}
.benefit-pill strong { color: var(--ccs-navy); }

/* ----- Stats row ----- */
.stat {
  text-align: center;
  padding: 1.5rem 1rem;
}
.stat .num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--ccs-blue);
  display: block;
  line-height: 1;
  margin-bottom: .35rem;
}
.stat .label { font-size: .95rem; color: var(--ccs-text-muted); }
.section-navy .stat .num { color: var(--ccs-gold); }
.section-navy .stat .label { color: #d8e4ee; }

/* ----- Loan program details box ----- */
.loan-specs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin: 1.5rem 0;
  background: var(--ccs-bg-soft);
  padding: 1.25rem;
  border-radius: var(--radius-md);
}
.loan-specs .spec strong {
  display: block;
  color: var(--ccs-blue-dark);
  font-family: var(--font-display);
  font-size: 1.05rem;
  margin-bottom: .2rem;
}
.loan-specs .spec span {
  font-size: .85rem;
  color: var(--ccs-text-muted);
}

/* ----- Tabs ----- */
.tabs {
  margin: 2rem 0;
}
.tab-list {
  display: flex;
  flex-wrap: wrap;
  gap: .35rem;
  list-style: none;
  padding: 0;
  margin-bottom: 1.25rem;
  border-bottom: 2px solid var(--ccs-border);
}
.tab-list li { margin: 0; }
.tab-btn {
  background: transparent;
  border: 0;
  padding: .8rem 1.1rem;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: .85rem;
  color: var(--ccs-text-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: all .15s ease;
}
.tab-btn:hover { color: var(--ccs-navy); }
.tab-btn.active { color: var(--ccs-blue-dark); border-bottom-color: var(--ccs-blue); }
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: fadeIn .25s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: translateY(0); } }

/* ----- Testimonial ----- */
.testimonial {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  border: 1px solid var(--ccs-border);
  box-shadow: var(--shadow-sm);
  position: relative;
}
.testimonial::before {
  content: "“";
  position: absolute;
  top: .25rem;
  right: 1rem;
  font-size: 4rem;
  color: var(--ccs-blue);
  opacity: .15;
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial p { font-style: italic; color: var(--ccs-text); margin-bottom: 1rem; }
.testimonial cite {
  font-style: normal;
  font-weight: 700;
  font-family: var(--font-display);
  color: var(--ccs-navy);
  display: block;
}
.testimonial cite small {
  display: block;
  font-weight: 400;
  color: var(--ccs-text-muted);
  font-size: .85rem;
  margin-top: .15rem;
}

/* ----- Trust strip ----- */
.trust-strip {
  background: var(--ccs-bg-soft);
  border-top: 1px solid var(--ccs-border);
  border-bottom: 1px solid var(--ccs-border);
}
.trust-strip .grid-3 { gap: 2rem; }
.trust-item {
  text-align: center;
  padding: 1.5rem 1rem;
}
.trust-item .icon {
  width: 70px;
  height: 70px;
  margin: 0 auto 1rem;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--ccs-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  color: var(--ccs-blue);
}
.trust-item h4 { font-size: 1.05rem; color: var(--ccs-navy); margin-bottom: .5rem; }
.trust-item p { font-size: .9rem; color: var(--ccs-text-muted); margin-bottom: 0; }
.trust-item .hours { font-size: .85rem; color: var(--ccs-text); text-align: left; max-width: 240px; margin: 0 auto; }
.trust-item .hours strong { color: var(--ccs-navy); }

/* ----- CTA banner ----- */
.cta-banner {
  background: linear-gradient(135deg, var(--ccs-blue) 0%, var(--ccs-navy) 100%);
  color: #fff;
  text-align: center;
  padding: 3.5rem 1.5rem;
  border-radius: var(--radius-lg);
  margin: 0 1.25rem;
  max-width: var(--max-w);
  margin-left: auto;
  margin-right: auto;
}
.cta-banner h2 { color: #fff; margin-bottom: .75rem; }
.cta-banner p { color: #d8e4ee; margin-bottom: 1.75rem; max-width: 640px; margin-left: auto; margin-right: auto; }

/* ----- Footer ----- */
.site-footer {
  background: var(--ccs-navy-deep);
  color: #b3c5d4;
  padding: 3rem 0 1rem;
  font-size: .9rem;
}
.site-footer h4 {
  color: #fff;
  font-size: 1rem;
  margin-bottom: 1rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2rem;
}
.site-footer a { color: #b3c5d4; }
.site-footer a:hover { color: var(--ccs-gold); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .5rem; font-size: .88rem; }
.footer-logo img { max-height: 56px; margin-bottom: 1rem; }
.footer-about p { color: #b3c5d4; font-size: .88rem; line-height: 1.65; }

.disclaimer {
  background: var(--ccs-navy-deep);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1.5rem 0;
  font-size: .78rem;
  color: #8aa0b3;
  line-height: 1.6;
}
.disclaimer p { margin-bottom: .65rem; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 1rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: .82rem;
}

.socials { display: flex; gap: .75rem; }
.socials a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: .95rem;
}
.socials a:hover { background: var(--ccs-blue); color: #fff; }

/* ----- Content prose ----- */
.prose h2, .prose h3 { margin-top: 2rem; }
.prose ul li, .prose ol li { margin-bottom: .5rem; }

/* ----- Free guide popup ----- */
.freeguide-popup {
  position: fixed;
  bottom: 1.25rem;
  right: 1.25rem;
  width: 340px;
  max-width: calc(100vw - 2.5rem);
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 1.5rem;
  z-index: 500;
  display: none;
  border: 2px solid var(--ccs-blue);
}
.freeguide-popup.show { display: block; animation: slideIn .35s ease; }
@keyframes slideIn { from { transform: translateY(20px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.freeguide-popup h4 {
  color: var(--ccs-navy);
  font-size: 1.05rem;
  margin-bottom: .5rem;
  padding-right: 1.5rem;
}
.freeguide-popup p { font-size: .85rem; color: var(--ccs-text-muted); margin-bottom: 1rem; }
.freeguide-popup .close-btn {
  position: absolute;
  top: .5rem;
  right: .65rem;
  background: none;
  border: 0;
  font-size: 1.3rem;
  cursor: pointer;
  color: var(--ccs-text-muted);
  line-height: 1;
}

/* ----- Utility classes ----- */
.text-center { text-align: center; }
.text-muted { color: var(--ccs-text-muted); }
.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: .5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.lead { font-size: 1.15rem; color: var(--ccs-text-muted); }
.section-title { text-align: center; margin-bottom: 2.5rem; }
.section-title h2 { margin-bottom: .5rem; }
.section-title p { color: var(--ccs-text-muted); font-size: 1.05rem; max-width: 700px; margin: 0 auto; }
.divider {
  width: 60px;
  height: 4px;
  background: var(--ccs-blue);
  border-radius: 2px;
  margin: 0 auto 1.5rem;
}

/* ===== Capital Readiness Page ===== */
.cr-hero {
  background:
    radial-gradient(ellipse at top right, rgba(212, 168, 73, 0.15), transparent 60%),
    radial-gradient(ellipse at bottom left, rgba(32, 149, 224, 0.2), transparent 60%),
    linear-gradient(135deg, var(--ccs-navy-deep), var(--ccs-navy));
  color: #fff;
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.cr-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.cr-hero-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.cr-hero-content h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.1;
  margin: 1rem 0 1.25rem;
  background: linear-gradient(135deg, #fff, #d0e7f9 80%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.cr-badge {
  display: inline-block;
  padding: .45rem 1rem;
  background: linear-gradient(135deg, var(--ccs-gold), #c4992f);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  border-radius: 100px;
  box-shadow: 0 4px 12px rgba(212, 168, 73, 0.4);
}
.cr-lead {
  font-size: 1.3rem;
  line-height: 1.5;
  color: rgba(255,255,255,0.95);
  margin-bottom: 1rem;
}
.cr-sublead {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 2rem;
  line-height: 1.6;
}
.cr-cta-row {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}
.cr-trust-mini {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
  font-size: .9rem;
  color: rgba(255,255,255,0.8);
}
.cr-hero-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.cr-stat-card {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.25rem;
  text-align: center;
  transition: transform .2s ease, background .2s ease;
}
.cr-stat-card:hover {
  transform: translateY(-3px);
  background: rgba(255,255,255,0.12);
}
.cr-stat-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  color: var(--ccs-gold);
  margin-bottom: .25rem;
}
.cr-stat-label {
  font-size: .82rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.3;
}

/* Pillars */
.cr-pillars {
  display: grid;
  gap: 1.25rem;
  max-width: 920px;
  margin: 0 auto;
}
.cr-pillar {
  display: grid;
  grid-template-columns: 100px 1fr;
  gap: 1.5rem;
  align-items: start;
  background: #fff;
  border: 1px solid var(--ccs-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.cr-pillar:hover {
  box-shadow: var(--shadow-md);
  transform: translateX(4px);
  border-color: var(--ccs-blue);
}
.cr-pillar-num {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 800;
  background: linear-gradient(135deg, var(--ccs-blue), var(--ccs-navy));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  line-height: 1;
}
.cr-pillar-body h3 {
  margin-bottom: .5rem;
  color: var(--ccs-navy);
}
.cr-pillar-body p { margin: 0; color: var(--ccs-text-muted); }

/* Navy section */
.section-navy {
  background: linear-gradient(135deg, var(--ccs-navy-deep), var(--ccs-navy));
  color: #fff;
}
.section-navy h2 { color: #fff; }

.cr-audience-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: background .2s ease, transform .2s ease;
}
.cr-audience-card:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-2px);
}
.cr-audience-card h3 {
  color: var(--ccs-gold);
  margin-bottom: .5rem;
  font-size: 1.15rem;
}
.cr-audience-card p { color: rgba(255,255,255,0.85); margin: 0; }

/* FAQ accordion */
.cr-faq details {
  background: #fff;
  border: 1px solid var(--ccs-border);
  border-radius: var(--radius-md);
  padding: 1.1rem 1.4rem;
  margin-bottom: .75rem;
  transition: box-shadow .2s ease, border-color .2s ease;
}
.cr-faq details[open] {
  box-shadow: var(--shadow-sm);
  border-color: var(--ccs-blue);
}
.cr-faq summary {
  cursor: pointer;
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--ccs-navy);
  list-style: none;
  padding-right: 2rem;
  position: relative;
}
.cr-faq summary::-webkit-details-marker { display: none; }
.cr-faq summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--ccs-blue);
  transition: transform .2s ease;
}
.cr-faq details[open] summary::after { content: "−"; }
.cr-faq details p {
  margin: 1rem 0 0;
  color: var(--ccs-text-muted);
  line-height: 1.6;
}
.cr-faq details a { color: var(--ccs-blue-dark); }

@media (max-width: 900px) {
  .cr-hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .cr-hero-stats { grid-template-columns: 1fr 1fr; }
  .cr-pillar { grid-template-columns: 80px 1fr; gap: 1rem; }
  .cr-pillar-num { font-size: 2.5rem; }
}
@media (max-width: 480px) {
  .cr-hero-stats { grid-template-columns: 1fr; }
  .cr-stat-num { font-size: 1.7rem; }
  .cr-cta-row { flex-direction: column; }
  .cr-cta-row .btn { width: 100%; }
}

/* Homepage Capital Readiness feature */
.cr-home-feature {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 3rem;
  align-items: center;
  background: linear-gradient(135deg, var(--ccs-cream), #fff);
  border: 1px solid var(--ccs-border);
  border-radius: var(--radius-lg);
  padding: 3rem;
  position: relative;
  overflow: hidden;
}
.cr-home-feature::before {
  content: "";
  position: absolute;
  top: -50%;
  right: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(212, 168, 73, 0.1), transparent 70%);
  pointer-events: none;
}
.cr-home-feature-content { position: relative; z-index: 1; }
.cr-home-feature-content h2 {
  margin: 1rem 0 .75rem;
  color: var(--ccs-navy);
}
.cr-home-checklist {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
}
.cr-home-checklist li {
  padding: .55rem 0;
  color: var(--ccs-text);
  font-weight: 500;
  border-bottom: 1px dashed var(--ccs-border);
}
.cr-home-checklist li:last-child { border-bottom: 0; }
.cr-home-feature-visual {
  display: grid;
  gap: 1rem;
  position: relative;
  z-index: 1;
}
.cr-home-card {
  background: #fff;
  border: 1px solid var(--ccs-border);
  border-left: 4px solid var(--ccs-gold);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-sm);
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.25rem;
  align-items: center;
  transition: transform .2s ease, box-shadow .2s ease;
}
.cr-home-card:hover { transform: translateX(4px); box-shadow: var(--shadow-md); }
.cr-home-card-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  color: var(--ccs-blue);
  line-height: 1;
}
.cr-home-card-text {
  font-size: .92rem;
  color: var(--ccs-text-muted);
  line-height: 1.4;
}

@media (max-width: 900px) {
  .cr-home-feature { grid-template-columns: 1fr; padding: 2rem; gap: 2rem; }
}

/* ----- Responsive ----- */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; }
}

/* Hamburger menu always visible — main nav lives behind it at all widths */
.nav-toggle { display: block; }
.main-nav {
  display: none;
  position: absolute;
  top: 100%;
  right: 0;
  width: 320px;
  max-width: calc(100vw - 2rem);
  background: #fff;
  border: 1px solid var(--ccs-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  max-height: calc(100vh - 90px);
  overflow-y: auto;
  margin-top: .5rem;
  margin-right: 1rem;
}
.main-nav.open { display: block; }
.main-nav ul { flex-direction: column; gap: 0; padding: .5rem; }
.main-nav > ul > li { width: 100%; border-bottom: 1px solid var(--ccs-border); }
.main-nav > ul > li:last-child { border-bottom: 0; }
.main-nav > ul > li > a { padding: .9rem 1rem; font-size: .95rem; }
.submenu {
  position: static;
  opacity: 1;
  visibility: visible;
  transform: none;
  box-shadow: none;
  border: 0;
  border-radius: 0;
  padding: 0 0 .5rem 1rem;
  display: none;
  flex-direction: column;
  min-width: 0;
}
.submenu.open { display: flex; }
.submenu a { white-space: normal; }
.submenu .submenu { margin-left: 0; padding-left: 1rem; }
.main-nav .has-sub > a {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
/* Hide quick-access items inside dropdown when quick-nav shows them in header */
.quick-mobile-only { display: none; }
@media (max-width: 900px) {
  /* Show the duplicate items inside hamburger only when quick-nav is hidden */
  .quick-mobile-only { display: block; }
}

@media (max-width: 1500px) {
  .topbar { display: none; }
  .section { padding: 2.75rem 0; }
  .hero { padding: 3rem 0; }
}

@media (max-width: 768px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.75rem; }
  .loan-specs { grid-template-columns: repeat(2, 1fr); }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .step-row { grid-template-columns: 56px 1fr; }
  .step-num { width: 48px; height: 48px; font-size: 1.15rem; border-radius: 12px; }
  .freeguide-popup { bottom: .75rem; right: .75rem; left: .75rem; width: auto; }
}

@media (max-width: 480px) {
  h1 { font-size: 1.85rem; }
  h2 { font-size: 1.5rem; }
  .hero h1 { font-size: 1.95rem; }
  .btn { padding: .75rem 1.25rem; font-size: .85rem; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-cta .btn { width: 100%; }
  .loan-specs { grid-template-columns: 1fr; }
}

/* Print styles */
@media print {
  .site-header, .site-footer, .freeguide-popup, .topbar, .nav-toggle { display: none !important; }
  body { color: #000; }
  a { text-decoration: underline; color: #000; }
}