/* ===========================================================
   Synergy One Lending — Site Stylesheet
   Brand palette: navy #0A1628 | royal blue #1B3A7A | gold #F5A623
   white #FFFFFF | light grey #F8F9FA | charcoal #1A1A2E
   =========================================================== */

:root {
  --navy: #0A1628;
  --royal: #1B3A7A;
  --gold: #F5A623;
  --white: #FFFFFF;
  --light-grey: #F8F9FA;
  --charcoal: #1A1A2E;
  --border-grey: #E5E8EC;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --max-width: 1160px;
}

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

html { scroll-behavior: smooth; }

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

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

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

ul { list-style: none; }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  color: var(--navy);
  font-weight: 700;
  line-height: 1.2;
}

h1 { font-size: clamp(2.1rem, 4vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 14px; }
h3 { font-size: 1.2rem; margin-bottom: 8px; }

p { margin-bottom: 14px; }

.eyebrow {
  display: inline-block;
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.78rem;
  margin-bottom: 10px;
}

.section {
  padding: 72px 0;
}

.section--grey { background: var(--light-grey); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h2, .section--navy h3 { color: var(--white); }

.center { text-align: center; }
.section-intro { max-width: 680px; margin: 0 auto 44px; text-align: center; }
.section-intro p { color: #4B5566; }
.section--navy .section-intro p { color: #C7D0E0; }

/* Buttons */
.btn {
  display: inline-block;
  font-weight: 700;
  padding: 14px 30px;
  border-radius: 6px;
  font-size: 0.98rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  border: 2px solid transparent;
  cursor: pointer;
}

.btn--gold {
  background: var(--gold);
  color: var(--navy);
}
.btn--gold:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(245,166,35,0.35); }

.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn--outline:hover { border-color: var(--gold); color: var(--gold); }

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

.btn--block { width: 100%; text-align: center; }

/* Header / Nav */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border-grey);
}

.nav {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  font-weight: 800;
  font-size: 1.55rem;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.logo span { color: var(--gold); }
.logo-img {
  height: 46px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
}

.nav-links a:not(.btn) {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--charcoal);
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
}
.nav-links a:not(.btn):hover,
.nav-links a.active:not(.btn) {
  color: var(--royal);
  border-bottom-color: var(--gold);
}

.nav-links .btn { padding: 10px 22px; font-size: 0.9rem; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--navy);
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  color: var(--white);
  padding: 96px 0 88px;
}
.hero-inner { max-width: 700px; }
.hero p.lead {
  font-size: 1.15rem;
  color: #D6DEEE;
  max-width: 560px;
  margin-bottom: 30px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 6px; }

.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  color: var(--white);
  padding: 64px 0;
}
.page-hero p { color: #D6DEEE; max-width: 620px; }

/* Trust bar */
.trust-bar {
  background: var(--royal);
  color: var(--white);
  padding: 18px 0;
}
.trust-bar ul {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px 40px;
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.trust-bar li::before {
  content: "\2713  ";
  color: var(--gold);
  font-weight: 800;
}

/* Cards / grids */
.grid {
  display: grid;
  gap: 28px;
}
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border-grey);
  border-radius: 10px;
  padding: 30px 26px;
}
.card--grey { background: var(--light-grey); border-color: var(--border-grey); }

.icon-badge {
  width: 46px; height: 46px;
  border-radius: 8px;
  background: rgba(27,58,122,0.08);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
}

/* Tier cards */
.tier-card {
  background: var(--white);
  border: 1px solid var(--border-grey);
  border-top: 4px solid var(--royal);
  border-radius: 10px;
  padding: 28px 24px;
}
.tier-card.gold-top { border-top-color: var(--gold); }
.tier-card .tier-name {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--royal);
  margin-bottom: 6px;
}
.tier-card .tier-amount {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 10px;
}
.tier-card ul { margin: 14px 0; }
.tier-card li {
  font-size: 0.92rem;
  padding: 5px 0;
  border-bottom: 1px dashed var(--border-grey);
  display: flex;
  justify-content: space-between;
  color: #333c4d;
}
.tier-card li:last-child { border-bottom: none; }
.tier-card li b { color: var(--navy); }

/* Steps */
.steps {
  counter-reset: step;
  display: grid;
  gap: 24px;
}
.step {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--border-grey);
  border-radius: 10px;
  padding: 22px 24px;
}
.step-num {
  flex: 0 0 auto;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.05rem;
}

/* Table */
.table-wrap { overflow-x: auto; border-radius: 10px; border: 1px solid var(--border-grey); }
table { width: 100%; border-collapse: collapse; background: var(--white); min-width: 640px; }
th, td { padding: 14px 18px; text-align: left; font-size: 0.92rem; }
thead th {
  background: var(--royal);
  color: var(--white);
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}
tbody tr:nth-child(even) { background: var(--light-grey); }
tbody td { border-bottom: 1px solid var(--border-grey); color: var(--charcoal); }
tbody tr:last-child td { border-bottom: none; }

/* Callout */
.callout {
  background: var(--light-grey);
  border-left: 4px solid var(--royal);
  border-top: 3px solid var(--gold);
  border-radius: 6px;
  padding: 20px 24px;
  font-size: 0.94rem;
  color: var(--charcoal);
}
.callout b { color: var(--navy); }

/* FAQ accordion */
.faq-item {
  border-bottom: 1px solid var(--border-grey);
}
.faq-item:first-child { border-top: 1px solid var(--border-grey); }
.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 4px;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: var(--font);
}
.faq-q .plus { color: var(--gold); font-size: 1.3rem; font-weight: 400; transition: transform 0.2s ease; }
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
  color: #4B5566;
  font-size: 0.95rem;
}
.faq-item.open .faq-a { max-height: 400px; padding-bottom: 20px; }

/* CTA banner */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal) 100%);
  color: var(--white);
  padding: 56px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: #D6DEEE; margin-bottom: 26px; }

/* Footer */
.site-footer {
  background: var(--navy);
  color: #B9C2D6;
  padding: 56px 0 26px;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 32px;
  margin-bottom: 36px;
}
.footer-grid h4 {
  color: var(--white);
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-grid a { display: block; padding: 5px 0; color: #B9C2D6; }
.footer-grid a:hover { color: var(--gold); }
.footer-logo { font-weight: 800; color: var(--white); font-size: 1.1rem; margin-bottom: 12px; }
.footer-logo span { color: var(--gold); }
.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 22px;
  font-size: 0.78rem;
  color: #8895AD;
  line-height: 1.7;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
  font-size: 0.78rem;
  color: #8895AD;
}

/* Apply page */
.apply-panel {
  background: var(--white);
  border: 1px solid var(--border-grey);
  border-radius: 12px;
  padding: 8px;
  box-shadow: 0 10px 40px rgba(10,22,40,0.08);
}
.checklist { display: grid; gap: 10px; margin: 20px 0; }
.checklist li {
  display: flex;
  gap: 10px;
  font-size: 0.93rem;
  color: var(--charcoal);
}
.checklist li::before {
  content: "\2713";
  color: var(--gold);
  font-weight: 800;
}

/* Contact */
.contact-card {
  background: var(--light-grey);
  border-radius: 10px;
  padding: 30px;
}
.contact-row { display: flex; gap: 14px; padding: 10px 0; border-bottom: 1px dashed var(--border-grey); font-size: 0.95rem; }
.contact-row:last-child { border-bottom: none; }
.contact-row .label { font-weight: 700; color: var(--navy); min-width: 110px; }

.apply-grid { grid-template-columns: 1fr 2fr; gap: 40px; align-items: start; }

/* Responsive */
@media (max-width: 900px) {
  .grid--3, .grid--4, .grid--2, .apply-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .nav-links {
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 18px 24px 24px;
    border-bottom: 1px solid var(--border-grey);
    display: none;
    gap: 16px;
  }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }
  .logo-img { height: 34px; }
  .hero { padding: 60px 0; }
  .section { padding: 52px 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom { flex-direction: column; }
}