/* =====================
   SFR LENDING — DARK THEME
   #070b14 near-black + #00aaff blue accent + yellow pill CTAs
   ===================== */

@import url('https://fonts.googleapis.com/css2?family=Barlow:ital,wght@0,400;0,600;0,700;0,800;0,900;1,700;1,800;1,900&family=Inter:wght@400;500;600;700&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

:root {
  --navy:          #070b14;
  --navy-mid:      #0d1220;
  --navy-light:    #111827;
  --navy-card:     #0d1220;
  --blue:          #00aaff;
  --blue-dark:     #003d80;
  --blue-hover:    #5dd4ff;
  --yellow:        #00aaff;
  --yellow-hover:  #5dd4ff;
  --white:         #ffffff;
  --gray-text:     rgba(255,255,255,0.65);
  --gray-dim:      rgba(255,255,255,0.35);
  --gray-line:     rgba(255,255,255,0.06);
  --card-bg:       #0d1220;
  --card-border:   rgba(255,255,255,0.07);
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--white);
  background: var(--navy);
  min-height: 100vh;
}

/* ===================== LOGO — WHITE ON DARK ===================== */
.nav-brand img,
.footer-brand img {
  filter: brightness(0) invert(1);
}

/* ===================== NAV ===================== */
.navbar {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(7,11,20,0.97);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.nav-inner {
  max-width: 1280px; margin: 0 auto;
  padding: 0 36px; height: 112px;
  display: flex; align-items: center;
  justify-content: space-between; gap: 32px;
}
.nav-brand { text-decoration: none; display: flex; align-items: center; }
.nav-brand img { height: 110px; }
.logo-fallback {
  font-family: 'Barlow', sans-serif;
  font-size: 24px; font-weight: 900; font-style: italic;
  color: var(--white); letter-spacing: -0.5px;
}
.logo-fallback span { color: var(--blue); }

.nav-links {
  display: flex; align-items: center;
  gap: 2px; list-style: none; flex: 1; justify-content: center;
}
.nav-links > li { position: relative; }
.nav-links a {
  text-decoration: none; color: rgba(255,255,255,0.65);
  font-size: 14px; font-weight: 600; padding: 8px 16px;
  border-radius: 6px; transition: all 0.2s; white-space: nowrap;
  display: block; letter-spacing: 0.2px;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--white); background: rgba(255,255,255,0.07);
}

.has-dropdown { position: relative; }
.dropdown {
  position: absolute; top: calc(100% + 12px); left: 0;
  background: var(--navy-mid); border: 1px solid rgba(255,255,255,0.07);
  border-radius: 12px; box-shadow: 0 24px 64px rgba(0,0,0,0.7);
  list-style: none; min-width: 190px;
  opacity: 0; visibility: hidden;
  transform: translateY(-8px); transition: all 0.2s; z-index: 100;
}
.has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown li a {
  padding: 11px 18px; color: rgba(255,255,255,0.65);
  font-size: 14px; font-weight: 500; border-radius: 0;
}
.dropdown li:first-child a { border-radius: 12px 12px 0 0; }
.dropdown li:last-child  a { border-radius: 0 0 12px 12px; }
.dropdown li a:hover { background: rgba(255,255,255,0.06); color: var(--white); }

.nav-right { display: flex; align-items: center; gap: 12px; }
.nav-cta {
  background: var(--blue); color: #fff !important;
  padding: 10px 24px; border-radius: 6px;
  font-size: 13px; font-weight: 800;
  text-decoration: none; white-space: nowrap;
  transition: all 0.2s; letter-spacing: 0.5px;
  text-transform: uppercase;
}
.nav-cta:hover {
  background: var(--blue-hover); transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,170,255,0.3);
}
.hamburger {
  display: none; background: none; border: none;
  font-size: 22px; cursor: pointer; color: var(--white); padding: 6px;
}

/* ===================== PAGE HERO STRIP ===================== */
.page-hero {
  background: var(--navy); position: relative; overflow: hidden;
  color: var(--white); text-align: center; padding: 80px 24px 68px;
  border-bottom: 1px solid rgba(255,255,255,0.05);
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(0,80,180,0.18) 0%, transparent 70%);
}
.page-hero .badge {
  position: relative; display: inline-block;
  background: rgba(0,170,255,0.12); border: 1px solid rgba(0,170,255,0.3);
  color: var(--blue); font-size: 11px; font-weight: 700;
  padding: 5px 16px; border-radius: 20px; margin-bottom: 22px;
  letter-spacing: 1.5px; text-transform: uppercase;
}
.page-hero h1 {
  position: relative; font-family: 'Barlow', sans-serif;
  font-size: clamp(32px, 5vw, 58px); font-weight: 900; font-style: italic;
  letter-spacing: -1.5px; margin-bottom: 16px; line-height: 1.05;
  text-transform: uppercase; color: var(--white);
}
.page-hero p {
  position: relative; font-size: 18px; color: var(--gray-text);
  max-width: 560px; margin: 0 auto; line-height: 1.65;
}

/* ===================== SECTIONS ===================== */
.section { padding: 88px 24px; }
.section-center { text-align: center; }
.section-tag {
  display: inline-block; background: rgba(0,170,255,0.1);
  border: 1px solid rgba(0,170,255,0.25); color: var(--blue);
  font-size: 11px; font-weight: 700; padding: 5px 16px;
  border-radius: 20px; text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 20px;
}
.section h2 {
  font-family: 'Barlow', sans-serif; font-size: clamp(28px, 4vw, 48px);
  font-weight: 900; font-style: italic; color: var(--white);
  letter-spacing: -1.5px; margin-bottom: 16px; line-height: 1.05; text-transform: uppercase;
}
.section .section-sub {
  font-size: 17px; color: var(--gray-text);
  max-width: 620px; margin: 0 auto 56px; line-height: 1.75;
}

/* ===================== BUTTONS ===================== */
.btn-primary {
  background: var(--blue); color: #fff;
  padding: 16px 36px; border-radius: 6px;
  font-size: 14px; font-weight: 800; letter-spacing: 0.5px;
  text-decoration: none; transition: all 0.2s;
  border: 2px solid var(--blue); display: inline-block;
  text-transform: uppercase;
}
.btn-primary:hover {
  background: var(--blue-hover); border-color: var(--blue-hover);
  transform: translateY(-2px); box-shadow: 0 10px 32px rgba(0,170,255,0.3);
}
.btn-outline {
  background: transparent; color: var(--white);
  padding: 16px 36px; border-radius: 6px;
  font-size: 14px; font-weight: 800; letter-spacing: 0.5px;
  text-decoration: none; transition: all 0.2s;
  border: 2px solid rgba(255,255,255,0.4); display: inline-block;
  text-transform: uppercase;
}
.btn-outline:hover {
  border-color: var(--white); transform: translateY(-2px);
  background: rgba(255,255,255,0.06);
}

/* ===================== CONTACT BAND ===================== */
.contact-band {
  background: var(--navy-mid); border-top: 1px solid rgba(255,255,255,0.05);
  border-bottom: 1px solid rgba(255,255,255,0.05); padding: 80px 24px; text-align: center;
}
.contact-band h2 {
  font-family: 'Barlow', sans-serif; font-size: clamp(32px, 4vw, 46px);
  font-weight: 900; font-style: italic; color: var(--white);
  margin-bottom: 14px; letter-spacing: -1.5px; text-transform: uppercase;
}
.contact-band p { font-size: 17px; color: var(--gray-text); margin-bottom: 32px; line-height: 1.6; }
.contact-details { display: flex; justify-content: center; gap: 56px; flex-wrap: wrap; margin-top: 40px; }
.contact-detail { text-align: center; }
.contact-detail .cd-label {
  font-size: 10px; font-weight: 700; color: rgba(255,255,255,0.3);
  text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px;
}
.contact-detail a { font-size: 22px; font-weight: 700; color: var(--blue); text-decoration: none; display: block; }
.contact-detail a:hover { color: var(--blue-hover); }

/* ===================== FOOTER ===================== */
.footer { background: #050810; color: rgba(255,255,255,0.5); padding: 72px 24px 0; }
.footer-inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px; padding-bottom: 56px; border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-brand img { height: 64px; margin-bottom: 18px; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.35); line-height: 1.7; max-width: 260px; }
.footer-links h5, .footer-contact h5 {
  font-size: 10px; font-weight: 700; color: rgba(255,255,255,0.25);
  text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 18px;
}
.footer-links ul { list-style: none; }
.footer-links ul li { margin-bottom: 12px; }
.footer-links ul li a, .footer-contact a {
  color: rgba(255,255,255,0.5); text-decoration: none;
  font-size: 14px; transition: color 0.2s;
}
.footer-links ul li a:hover, .footer-contact a:hover { color: var(--blue); }
.footer-contact p { font-size: 14px; margin-bottom: 10px; }
.footer-bottom {
  padding: 24px 0; text-align: center;
  font-size: 13px; color: rgba(255,255,255,0.2);
  max-width: 1200px; margin: 0 auto;
}

/* ===================== FORM SHARED ===================== */
.form-page-wrapper { max-width: 820px; margin: -32px auto 80px; padding: 0 24px; position: relative; z-index: 10; }
.form-card {
  background: var(--navy-mid); border: 1px solid rgba(255,255,255,0.07);
  border-radius: 16px; box-shadow: 0 24px 80px rgba(0,0,0,0.6); overflow: hidden;
}
.form-card-header {
  background: linear-gradient(90deg, var(--blue-dark) 0%, #002a5e 100%);
  padding: 24px 36px; display: flex; align-items: center; gap: 14px;
}
.form-card-header .icon {
  width: 44px; height: 44px; background: rgba(255,255,255,0.15);
  border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px;
}
.form-card-header h2 { color: var(--white); font-size: 20px; font-weight: 700; margin-bottom: 2px; }
.form-card-header p  { color: rgba(255,255,255,0.7); font-size: 13px; }
.form-body { padding: 40px 36px; }

.section-label {
  font-size: 10px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1.5px; color: var(--blue);
  margin-bottom: 18px; margin-top: 32px;
  padding-bottom: 10px; border-bottom: 1px solid rgba(0,170,255,0.15);
}
.section-label:first-child { margin-top: 0; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.form-row.single { grid-template-columns: 1fr; }
.form-row.three  { grid-template-columns: 1fr 1fr 1fr; }
.form-group { display: flex; flex-direction: column; gap: 7px; }

/* ---- LABELS ---- */
label {
  font-size: 12px; font-weight: 700;
  color: rgba(255,255,255,0.75);
  letter-spacing: 0.5px; text-transform: uppercase;
  display: block; margin-bottom: 6px;
}
label .req { color: #ff7070; margin-left: 3px; }

/* ---- INPUTS ---- */
input, select, textarea {
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: 8px; padding: 13px 16px;
  font-size: 15px; font-family: 'Inter', sans-serif;
  color: #ffffff; background: rgba(255,255,255,0.06);
  transition: all 0.2s; outline: none; width: 100%;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0,170,255,0.12);
  background: rgba(0,170,255,0.04);
}
input::placeholder, textarea::placeholder { color: rgba(255,255,255,0.3); }
select { cursor: pointer; }
select option { background: #0d1220; color: #ffffff; }
textarea { resize: vertical; min-height: 110px; }

.input-prefix-wrap { position: relative; }
.input-prefix-wrap .prefix {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  color: rgba(255,255,255,0.4); font-size: 15px; pointer-events: none;
}
.input-prefix-wrap input { padding-left: 28px; }

.form-footer {
  padding: 24px 36px; background: rgba(0,0,0,0.2);
  border-top: 1px solid rgba(255,255,255,0.06);
  display: flex; align-items: center; gap: 20px; flex-wrap: wrap;
}
.submit-btn {
  background: var(--blue); color: #fff;
  padding: 14px 36px; border-radius: 6px;
  font-size: 13px; font-weight: 800; letter-spacing: 0.5px;
  border: none; cursor: pointer; transition: all 0.2s; text-transform: uppercase;
}
.submit-btn:hover { background: var(--blue-hover); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(0,170,255,0.3); }
.submit-btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }
.form-note { font-size: 12px; color: rgba(255,255,255,0.3); }

.alert { margin: 0 36px 20px; padding: 12px 16px; border-radius: 8px; font-size: 14px; display: none; }
.alert-error   { background: rgba(220,50,50,0.1); border: 1px solid rgba(220,50,50,0.25); color: #ff8080; }
.alert-success { background: rgba(0,200,100,0.1); border: 1px solid rgba(0,200,100,0.25); color: #4dff9a; }

.success-screen { display: none; text-align: center; padding: 64px 40px; }
.success-screen .check { font-size: 56px; margin-bottom: 20px; }
.success-screen h3 { font-size: 28px; font-weight: 800; color: var(--white); margin-bottom: 10px; }
.success-screen p  { font-size: 16px; color: var(--gray-text); line-height: 1.7; }
.back-btn {
  margin-top: 28px; padding: 12px 32px;
  background: rgba(0,170,255,0.1); border: 1px solid rgba(0,170,255,0.3);
  color: var(--blue); border-radius: 6px; cursor: pointer;
  font-size: 14px; font-weight: 700; transition: all 0.2s;
}
.back-btn:hover { background: rgba(0,170,255,0.2); }

.file-upload-area {
  border: 2px dashed rgba(255,255,255,0.12); border-radius: 10px;
  padding: 28px; text-align: center; cursor: pointer;
  background: rgba(255,255,255,0.02); transition: all 0.2s;
}
.file-upload-area:hover { border-color: var(--blue); background: rgba(0,170,255,0.03); }
.fu-icon { font-size: 32px; margin-bottom: 8px; }
.fu-text { font-size: 14px; font-weight: 600; color: rgba(255,255,255,0.7); }
.fu-sub  { font-size: 12px; color: rgba(255,255,255,0.3); margin-top: 6px; }
.file-list { margin-top: 12px; display: flex; flex-direction: column; gap: 8px; }
.file-item {
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(0,170,255,0.08); border-radius: 6px; padding: 9px 14px;
  font-size: 13px; color: var(--blue); border: 1px solid rgba(0,170,255,0.2);
}
.file-item button { background: none; border: none; color: #ff6b6b; cursor: pointer; font-size: 16px; padding: 0; }

.trust-bar {
  display: flex; justify-content: center; gap: 48px; flex-wrap: wrap;
  padding: 32px 24px; background: var(--navy-mid); border-top: 1px solid rgba(255,255,255,0.05);
}
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: rgba(255,255,255,0.6); font-weight: 600; }

/* ===================== RESPONSIVE ===================== */
@media (max-width: 900px) { .footer-inner { grid-template-columns: 1fr 1fr; } }
@media (max-width: 768px) {
  .nav-links {
    display: none; flex-direction: column; position: absolute;
    top: 80px; left: 0; right: 0; background: var(--navy-mid);
    padding: 16px; box-shadow: 0 8px 32px rgba(0,0,0,0.5);
    border-bottom: 1px solid rgba(255,255,255,0.05);
  }
  .nav-links.open { display: flex; }
  .nav-links > li { width: 100%; }
  .nav-links a { padding: 12px 16px; }
  .dropdown { position: static; box-shadow: none; border: none; opacity: 1; visibility: visible; transform: none; background: rgba(255,255,255,0.03); border-radius: 6px; margin-top: 4px; }
  .hamburger { display: block; }
  .nav-inner { padding: 0 20px; }
  .form-row, .form-row.three { grid-template-columns: 1fr; }
  .form-body { padding: 28px 20px; }
  .form-card-header { padding: 18px 20px; }
  .form-footer { padding: 20px; flex-direction: column; align-items: flex-start; }
}
@media (max-width: 600px) {
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .section { padding: 60px 20px; }
}