/* ============================================================
   AdvancedPayday — Main Stylesheet
   Color Palette:
     --navy:   #0A1628
     --teal:   #00C9B1
     --teal-dark: #00A896
     --white:  #FFFFFF
     --light:  #F4F8FB
     --gray:   #6B7280
     --border: #E2E8F0
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

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

:root {
  --navy: #0A1628;
  --navy-mid: #132038;
  --teal: #00C9B1;
  --teal-dark: #00A896;
  --teal-light: #E0FAF7;
  --white: #FFFFFF;
  --light: #F4F8FB;
  --gray: #6B7280;
  --gray-dark: #374151;
  --border: #E2E8F0;
  --success: #10B981;
  --warning: #F59E0B;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(10,22,40,0.10);
  --shadow-lg: 0 12px 48px rgba(10,22,40,0.16);
  --transition: 0.22s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-dark);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--teal-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--teal); }
ul { list-style: none; }

/* ── Typography ── */
h1,h2,h3,h4,h5,h6 { color: var(--navy); font-weight: 700; line-height: 1.25; }
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
p { color: var(--gray); line-height: 1.75; }

/* ── Layout ── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }

/* ── Buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 32px; border-radius: var(--radius); font-weight: 700;
  font-size: 1rem; border: 2px solid transparent; cursor: pointer;
  transition: all var(--transition); white-space: nowrap;
  font-family: 'Inter', sans-serif;
}
.btn-primary {
  background: var(--teal); color: var(--navy); border-color: var(--teal);
}
.btn-primary:hover { background: var(--teal-dark); border-color: var(--teal-dark); color: var(--navy); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,201,177,0.35); }
.btn-outline {
  background: transparent; color: var(--teal); border-color: var(--teal);
}
.btn-outline:hover { background: var(--teal); color: var(--navy); transform: translateY(-2px); }
.btn-white {
  background: var(--white); color: var(--navy); border-color: var(--white);
}
.btn-white:hover { background: var(--teal); color: var(--navy); border-color: var(--teal); transform: translateY(-2px); }
.btn-lg { padding: 18px 44px; font-size: 1.1rem; border-radius: var(--radius-lg); }
.btn-full { width: 100%; }
.btn-pulse { animation: pulse-teal 2.2s infinite; }
@keyframes pulse-teal {
  0%,100% { box-shadow: 0 0 0 0 rgba(0,201,177,0.5); }
  50% { box-shadow: 0 0 0 14px rgba(0,201,177,0); }
}

/* ── Navigation ── */
.navbar {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,0.95); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(10,22,40,0.06);
}
.navbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 24px; max-width: 1160px; margin: 0 auto;
}
.navbar-logo img { height: 68px; width: auto; }
.navbar-logo span {
  font-size: 1.4rem; font-weight: 800; color: var(--navy); letter-spacing: -0.5px;
}
.navbar-logo span em { color: var(--teal); font-style: normal; }
.navbar-links { display: flex; align-items: center; gap: 32px; }
.navbar-links a { color: var(--gray-dark); font-weight: 500; font-size: 0.95rem; }
.navbar-links a:hover { color: var(--teal); }
.navbar-cta { margin-left: 16px; }
.mobile-menu-btn {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 4px;
}
.mobile-menu-btn span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all var(--transition); }
.mobile-nav { display: none; }

/* ── Hero ── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #0D2545 100%);
  padding: 100px 0 80px; position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: -40%; right: -10%; width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(0,201,177,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 60px;
  background: var(--white); clip-path: ellipse(55% 100% at 50% 100%);
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,201,177,0.15); border: 1px solid rgba(0,201,177,0.3);
  color: var(--teal); padding: 6px 16px; border-radius: 50px; font-size: 0.85rem; font-weight: 600;
  margin-bottom: 24px;
}
.hero-badge::before { content: '●'; font-size: 0.6rem; animation: blink 1.5s infinite; }
@keyframes blink { 0%,100% { opacity:1; } 50% { opacity:0.3; } }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--teal); }
.hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 36px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.hero-trust-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.65); font-size: 0.875rem; }
.hero-trust-item .icon { width: 18px; height: 18px; color: var(--teal); }

/* ── Loan Calculator Card ── */
.loan-card {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 36px; position: relative; z-index: 1;
}
.loan-card-title { font-size: 1.25rem; color: var(--navy); font-weight: 700; margin-bottom: 4px; }
.loan-card-sub { color: var(--gray); font-size: 0.875rem; margin-bottom: 28px; }
.loan-amount-display {
  text-align: center; font-size: 3rem; font-weight: 900; color: var(--navy);
  margin-bottom: 8px; letter-spacing: -2px;
}
.loan-amount-display span { color: var(--teal); }
.loan-label { text-align: center; color: var(--gray); font-size: 0.85rem; margin-bottom: 20px; }
.range-slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 3px;
  background: linear-gradient(to right, var(--teal) 0%, var(--teal) 50%, var(--border) 50%, var(--border) 100%);
  outline: none; margin-bottom: 12px;
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--teal); cursor: pointer; border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(0,201,177,0.5);
}
.range-labels { display: flex; justify-content: space-between; color: var(--gray); font-size: 0.8rem; margin-bottom: 24px; }
.loan-terms { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 24px; }
.term-box {
  background: var(--light); border-radius: var(--radius); padding: 14px;
  text-align: center; border: 2px solid transparent; cursor: pointer;
  transition: all var(--transition); font-weight: 600; color: var(--gray-dark); font-size: 0.9rem;
}
.term-box:hover, .term-box.active { border-color: var(--teal); background: var(--teal-light); color: var(--navy); }
.loan-apr { text-align: center; color: var(--gray); font-size: 0.78rem; margin-bottom: 20px; }

/* ── Stats Banner ── */
.stats-banner { background: var(--teal); padding: 48px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-number { font-size: 2.4rem; font-weight: 900; color: var(--navy); letter-spacing: -1px; }
.stat-label { color: var(--navy); opacity: 0.75; font-size: 0.9rem; font-weight: 500; }

/* ── How It Works ── */
.how-it-works { background: var(--light); }
.section-label { text-align: center; color: var(--teal-dark); font-weight: 700; font-size: 0.875rem; letter-spacing: 2px; text-transform: uppercase; margin-bottom: 12px; }
.section-title { text-align: center; margin-bottom: 16px; }
.section-desc { text-align: center; max-width: 560px; margin: 0 auto 56px; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.step-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 36px 28px;
  box-shadow: var(--shadow); text-align: center; position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.step-number {
  width: 56px; height: 56px; border-radius: 50%; background: var(--teal);
  color: var(--navy); font-weight: 900; font-size: 1.4rem;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
}
.step-card h3 { margin-bottom: 12px; }
.step-connector {
  position: absolute; top: 56px; right: -16px; width: 32px; height: 2px;
  background: var(--border); z-index: 1;
}
.step-card:last-child .step-connector { display: none; }

/* ── Features / Benefits ── */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.feature-card {
  border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 32px 24px;
  transition: all var(--transition);
}
.feature-card:hover { border-color: var(--teal); box-shadow: 0 8px 32px rgba(0,201,177,0.1); transform: translateY(-4px); }
.feature-icon {
  width: 52px; height: 52px; border-radius: var(--radius); background: var(--teal-light);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px; font-size: 1.5rem;
}
.feature-card h3 { font-size: 1.1rem; margin-bottom: 10px; }

/* ── CTA Banner ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 80px 0; text-align: center; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(0,201,177,0.1) 0%, transparent 70%);
}
.cta-banner h2 { color: var(--white); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.7); max-width: 520px; margin: 0 auto 36px; font-size: 1.05rem; }
.cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ── Testimonials ── */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.testimonial-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 28px; transition: all var(--transition);
}
.testimonial-card:hover { border-color: var(--teal); box-shadow: var(--shadow); }
.testimonial-stars { color: var(--warning); font-size: 1.1rem; margin-bottom: 12px; }
.testimonial-text { color: var(--gray-dark); font-size: 0.95rem; line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 42px; height: 42px; border-radius: 50%; background: var(--teal-light);
  display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--teal-dark);
}
.testimonial-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.testimonial-loc { font-size: 0.8rem; color: var(--gray); }

/* ── Trust Logos / Partners ── */
.trust-section { background: var(--light); padding: 40px 0; }
.trust-logos { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-logo { color: var(--gray); font-weight: 700; font-size: 1rem; opacity: 0.55; letter-spacing: 1px; }

/* ── Loan Form (apply.html) ── */
.apply-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  padding: 64px 0 40px; text-align: center;
}
.apply-hero h1 { color: var(--white); }
.apply-hero p { color: rgba(255,255,255,0.7); max-width: 500px; margin: 12px auto 0; }
.form-progress { display: flex; align-items: center; justify-content: center; gap: 0; margin: 36px 0; }
.progress-step {
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  position: relative; flex: 1; max-width: 140px;
}
.progress-dot {
  width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,0.15);
  border: 2px solid rgba(255,255,255,0.3); display: flex; align-items: center; justify-content: center;
  font-weight: 700; color: rgba(255,255,255,0.5); font-size: 0.9rem; transition: all var(--transition); z-index: 1;
}
.progress-step.active .progress-dot { background: var(--teal); border-color: var(--teal); color: var(--navy); }
.progress-step.done .progress-dot { background: var(--success); border-color: var(--success); color: white; }
.progress-label { font-size: 0.75rem; color: rgba(255,255,255,0.55); font-weight: 500; }
.progress-step.active .progress-label { color: var(--teal); }
.progress-line { flex: 1; height: 2px; background: rgba(255,255,255,0.15); margin: 0 -1px; margin-bottom: 24px; }
.progress-line.done { background: var(--success); }

.form-wrapper { max-width: 680px; margin: 0 auto; padding: 0 24px 80px; }
.form-card { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 44px; }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity:0; transform: translateY(8px); } to { opacity:1; transform:none; } }
.form-step-title { font-size: 1.3rem; color: var(--navy); font-weight: 700; margin-bottom: 6px; }
.form-step-desc { color: var(--gray); font-size: 0.9rem; margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; font-size: 0.875rem; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px; border: 2px solid var(--border); border-radius: var(--radius);
  font-size: 0.95rem; font-family: 'Inter', sans-serif; color: var(--gray-dark);
  background: var(--white); outline: none; transition: border-color var(--transition);
}
.form-group input:focus, .form-group select:focus { border-color: var(--teal); }
.form-group input::placeholder { color: #B0BAC9; }
.form-note { font-size: 0.8rem; color: var(--gray); margin-top: 6px; }
.form-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 28px; }
.form-disclaimer { font-size: 0.78rem; color: var(--gray); line-height: 1.6; margin-top: 20px; padding-top: 20px; border-top: 1px solid var(--border); }

/* ── Accordion (FAQ) ── */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  width: 100%; background: none; border: none; padding: 22px 0; display: flex; justify-content: space-between;
  align-items: center; font-size: 1.05rem; font-weight: 600; color: var(--navy); cursor: pointer;
  font-family: 'Inter', sans-serif; text-align: left; gap: 16px; transition: color var(--transition);
}
.faq-question:hover { color: var(--teal-dark); }
.faq-icon { width: 28px; height: 28px; min-width: 28px; border-radius: 50%; background: var(--teal-light); display: flex; align-items: center; justify-content: center; color: var(--teal-dark); font-size: 1.1rem; font-weight: 900; transition: transform var(--transition), background var(--transition); }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--teal); color: var(--navy); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding var(--transition); }
.faq-answer-inner { padding: 0 0 22px; color: var(--gray); line-height: 1.75; font-size: 0.95rem; }
.faq-item.open .faq-answer { max-height: 400px; }

/* ── Footer ── */
.footer { background: var(--navy); color: rgba(255,255,255,0.65); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand-name { font-size: 1.3rem; font-weight: 800; color: var(--white); margin-bottom: 12px; }
.footer-brand-name span { color: var(--teal); }
.footer-desc { font-size: 0.875rem; line-height: 1.7; margin-bottom: 20px; }
.footer-col h4 { color: var(--white); font-weight: 700; margin-bottom: 16px; font-size: 0.95rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { color: rgba(255,255,255,0.55); font-size: 0.875rem; transition: color var(--transition); }
.footer-col ul a:hover { color: var(--teal); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; flex-wrap: wrap; }
.footer-legal { font-size: 0.78rem; line-height: 1.7; max-width: 700px; }
.footer-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-links a { font-size: 0.8rem; color: rgba(255,255,255,0.45); }
.footer-links a:hover { color: var(--teal); }

/* ── Alert / Notice Box ── */
.notice-box {
  background: var(--teal-light); border-left: 4px solid var(--teal); border-radius: var(--radius);
  padding: 16px 20px; margin-bottom: 20px; font-size: 0.875rem; color: var(--gray-dark);
}
.nc-warning {
  background: #FEF3C7; border-left: 4px solid var(--warning); border-radius: var(--radius);
  padding: 16px 20px; margin-bottom: 20px; font-size: 0.875rem; color: #78350F;
}

/* ── Inner Page Hero ── */
.inner-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  padding: 64px 0; text-align: center;
}
.inner-hero h1 { color: var(--white); }
.inner-hero p { color: rgba(255,255,255,0.7); max-width: 540px; margin: 12px auto 0; }
.breadcrumb { display: flex; justify-content: center; gap: 8px; color: rgba(255,255,255,0.5); font-size: 0.85rem; margin-bottom: 16px; align-items: center; }
.breadcrumb a { color: rgba(255,255,255,0.5); }
.breadcrumb a:hover { color: var(--teal); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* ── Prose (terms/privacy) ── */
.prose-section { max-width: 820px; margin: 0 auto; padding: 64px 24px; }
.prose-section h2 { color: var(--navy); margin: 40px 0 14px; font-size: 1.4rem; }
.prose-section h3 { color: var(--navy); margin: 28px 0 10px; font-size: 1.1rem; }
.prose-section p { margin-bottom: 16px; }
.prose-section ul { list-style: disc; padding-left: 24px; margin-bottom: 16px; }
.prose-section ul li { color: var(--gray); margin-bottom: 8px; }
.prose-section .last-updated { color: var(--gray); font-size: 0.875rem; margin-bottom: 32px; padding-bottom: 32px; border-bottom: 1px solid var(--border); }

/* ── State Exclusion Badge ── */
.state-exclusion { background: #FFF7ED; border: 1px solid #FED7AA; border-radius: var(--radius); padding: 20px 24px; margin-bottom: 32px; }
.state-exclusion strong { color: #9A3412; }

/* ── Responsive ── */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero { padding: 72px 0 60px; }
  .steps-grid { grid-template-columns: 1fr; }
  .step-connector { display: none !important; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .navbar-links, .navbar-cta { display: none; }
  .mobile-menu-btn { display: flex; }
  .mobile-nav { display: block; }
  .mobile-nav.open { display: block; }
  .features-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-bottom { flex-direction: column; }
}