/* ============================================
   Click Click Close — Investor Loan Platform
   ============================================ */

:root {
  --navy: #1a2332;
  --navy-light: #243044;
  --gold: #d4a843;
  --gold-light: #e8c36a;
  --white: #ffffff;
  --gray-50: #f8f9fa;
  --gray-100: #e9ecef;
  --gray-200: #dee2e6;
  --gray-400: #ced4da;
  --gray-600: #6c757d;
  --gray-800: #343a40;
  --green: #28a745;
  --red: #dc3545;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--gray-800);
  line-height: 1.6;
  background: var(--white);
}

/* Typography */
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }

a { color: var(--gold); text-decoration: none; transition: color 0.3s; }
a:hover { color: var(--gold-light); }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ---- NAV ---- */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--navy);
  padding: 16px 0;
  border-bottom: 2px solid var(--gold);
}
.nav .container {
  display: flex; align-items: center; justify-content: space-between;
}
.nav-logo {
  font-size: 1.4rem; font-weight: 800; color: var(--white);
  letter-spacing: -0.5px;
}
.nav-logo span { color: var(--gold); }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a { color: var(--gray-200); font-size: 0.95rem; font-weight: 500; }
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  background: var(--gold); color: var(--navy); padding: 10px 24px;
  border-radius: 6px; font-weight: 700; font-size: 0.95rem;
  transition: background 0.3s;
}
.nav-cta:hover { background: var(--gold-light); color: var(--navy); }
.nav-toggle { display: none; background: none; border: none; color: var(--white); font-size: 1.5rem; cursor: pointer; }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 140px 0 100px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 80px;
  background: linear-gradient(to bottom, transparent, var(--white));
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold); }
.hero-sub {
  color: var(--gray-200); font-size: clamp(1rem, 2vw, 1.3rem);
  max-width: 700px; margin: 0 auto 40px;
}
.hero-cta {
  display: inline-block;
  background: var(--gold); color: var(--navy);
  padding: 18px 48px; border-radius: 8px;
  font-size: 1.2rem; font-weight: 800;
  transition: transform 0.3s, box-shadow 0.3s;
  text-transform: uppercase; letter-spacing: 1px;
}
.hero-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(212, 168, 67, 0.4);
  color: var(--navy);
}
.hero-stats {
  display: flex; justify-content: center; gap: 60px;
  margin-top: 60px; flex-wrap: wrap;
}
.hero-stat { text-align: center; }
.hero-stat-num { color: var(--gold); font-size: 2.5rem; font-weight: 800; }
.hero-stat-label { color: var(--gray-200); font-size: 0.9rem; margin-top: 4px; }

/* ---- SECTIONS ---- */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-dark { background: var(--navy); color: var(--white); }
.section-title {
  text-align: center; margin-bottom: 60px;
}
.section-title h2 { margin-bottom: 16px; }
.section-title p { color: var(--gray-600); max-width: 600px; margin: 0 auto; font-size: 1.1rem; }
.section-dark .section-title p { color: var(--gray-200); }

/* ---- HOW IT WORKS ---- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.step {
  text-align: center; padding: 40px 24px;
  border-radius: 12px; background: var(--white);
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
  transition: transform 0.3s;
}
.step:hover { transform: translateY(-4px); }
.step-num {
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--gold); color: var(--navy);
  font-size: 1.5rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}
.step h3 { margin-bottom: 12px; }
.step p { color: var(--gray-600); font-size: 0.95rem; }

/* ---- LOAN TYPES GRID ---- */
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.loan-card {
  background: var(--white); border-radius: 12px;
  padding: 32px 24px; text-align: center;
  border: 2px solid var(--gray-100);
  transition: border-color 0.3s, transform 0.3s;
  cursor: pointer;
}
.loan-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
}
.loan-card-icon {
  font-size: 2.5rem; margin-bottom: 16px;
}
.loan-card h3 { margin-bottom: 8px; color: var(--navy); }
.loan-card p { color: var(--gray-600); font-size: 0.9rem; margin-bottom: 16px; }
.loan-card-rate {
  color: var(--gold); font-weight: 700; font-size: 1.1rem;
}

/* ---- WHY US ---- */
.features { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.feature {
  display: flex; gap: 20px; padding: 24px;
  border-radius: 12px; background: var(--navy-light);
}
.feature-icon {
  flex-shrink: 0; width: 50px; height: 50px;
  background: var(--gold); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.feature h3 { color: var(--white); margin-bottom: 8px; font-size: 1.1rem; }
.feature p { color: var(--gray-200); font-size: 0.9rem; }

/* ---- FORM ---- */
.form-page { padding: 120px 0 80px; min-height: 100vh; background: var(--gray-50); }
.form-container {
  max-width: 720px; margin: 0 auto;
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 8px 40px rgba(0,0,0,0.08);
  padding: 48px;
}
.form-header { text-align: center; margin-bottom: 40px; }
.form-header h1 { font-size: 2rem; color: var(--navy); margin-bottom: 8px; }
.form-header p { color: var(--gray-600); }

/* Progress bar */
.progress-bar {
  display: flex; gap: 4px; margin-bottom: 40px;
}
.progress-step {
  flex: 1; height: 6px; border-radius: 3px;
  background: var(--gray-200); transition: background 0.3s;
}
.progress-step.active { background: var(--gold); }
.progress-step.completed { background: var(--green); }

/* Form steps */
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h2 { font-size: 1.3rem; color: var(--navy); margin-bottom: 24px; }

.form-group { margin-bottom: 20px; }
.form-group label {
  display: block; margin-bottom: 6px;
  font-weight: 600; font-size: 0.9rem; color: var(--gray-800);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: 8px; font-size: 1rem;
  font-family: var(--font);
  transition: border-color 0.3s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none; border-color: var(--gold);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* Loan type selector */
.loan-type-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 24px; }
.loan-type-option {
  padding: 20px 16px; border: 2px solid var(--gray-200);
  border-radius: 10px; text-align: center; cursor: pointer;
  transition: all 0.3s;
}
.loan-type-option:hover { border-color: var(--gold); }
.loan-type-option.selected {
  border-color: var(--gold); background: rgba(212, 168, 67, 0.08);
}
.loan-type-option .icon { font-size: 1.5rem; margin-bottom: 8px; }
.loan-type-option .name { font-weight: 700; font-size: 0.95rem; color: var(--navy); }
.loan-type-option .desc { font-size: 0.8rem; color: var(--gray-600); margin-top: 4px; }

/* File upload */
.file-upload {
  border: 2px dashed var(--gray-200); border-radius: 10px;
  padding: 32px; text-align: center; cursor: pointer;
  transition: border-color 0.3s, background 0.3s;
  margin-bottom: 12px;
}
.file-upload:hover { border-color: var(--gold); background: rgba(212, 168, 67, 0.04); }
.file-upload.dragover { border-color: var(--gold); background: rgba(212, 168, 67, 0.08); }
.file-upload p { color: var(--gray-600); font-size: 0.9rem; }
.file-upload .upload-icon { font-size: 2rem; margin-bottom: 8px; }
.file-list { list-style: none; }
.file-list li {
  display: flex; justify-content: space-between; align-items: center;
  padding: 8px 12px; background: var(--gray-50); border-radius: 6px;
  margin-bottom: 6px; font-size: 0.9rem;
}
.file-list .remove { color: var(--red); cursor: pointer; font-weight: 700; }

/* Form buttons */
.form-actions {
  display: flex; justify-content: space-between; margin-top: 32px;
}
.btn {
  padding: 14px 32px; border-radius: 8px; font-size: 1rem;
  font-weight: 700; cursor: pointer; border: none;
  transition: all 0.3s; font-family: var(--font);
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-secondary { background: var(--gray-100); color: var(--gray-800); }
.btn-secondary:hover { background: var(--gray-200); }
.btn-large {
  width: 100%; padding: 18px; font-size: 1.1rem;
  text-transform: uppercase; letter-spacing: 1px;
}

/* DSCR Calculator */
.dscr-calc {
  background: var(--navy); color: var(--white);
  border-radius: 12px; padding: 24px; margin: 20px 0;
}
.dscr-calc h4 { color: var(--gold); margin-bottom: 12px; }
.dscr-result {
  font-size: 2rem; font-weight: 800; text-align: center;
  padding: 16px; margin-top: 12px;
}
.dscr-result.good { color: var(--green); }
.dscr-result.marginal { color: var(--gold); }
.dscr-result.low { color: var(--red); }

/* Disclaimer */
.disclaimer {
  background: var(--gray-50); border-left: 4px solid var(--gold);
  padding: 16px; margin-top: 24px; font-size: 0.85rem;
  color: var(--gray-600); border-radius: 0 8px 8px 0;
}

/* ---- LOAN TYPE PAGES ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 140px 0 80px; text-align: center;
}
.page-hero h1 { color: var(--white); }
.page-hero p { color: var(--gray-200); font-size: 1.2rem; margin-top: 16px; }
.page-hero .hero-cta { margin-top: 32px; }

.content-section { padding: 60px 0; }
.content-section h2 { color: var(--navy); margin-bottom: 20px; }
.content-section p { margin-bottom: 16px; }
.content-section ul { margin: 16px 0; padding-left: 24px; }
.content-section li { margin-bottom: 8px; }

.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin: 32px 0; }
.info-box {
  background: var(--gray-50); border-radius: 10px; padding: 24px;
  text-align: center;
}
.info-box .number { font-size: 2rem; font-weight: 800; color: var(--gold); }
.info-box .label { font-size: 0.9rem; color: var(--gray-600); margin-top: 4px; }

/* FAQ Accordion */
.faq { max-width: 800px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
  width: 100%; padding: 20px 0; background: none; border: none;
  font-size: 1.05rem; font-weight: 600; text-align: left;
  cursor: pointer; display: flex; justify-content: space-between;
  align-items: center; font-family: var(--font); color: var(--navy);
}
.faq-question::after { content: '+'; font-size: 1.5rem; color: var(--gold); transition: transform 0.3s; }
.faq-item.open .faq-question::after { transform: rotate(45deg); }
.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height 0.3s, padding 0.3s;
}
.faq-item.open .faq-answer { max-height: 500px; padding-bottom: 20px; }
.faq-answer p { color: var(--gray-600); font-size: 0.95rem; }

/* ---- FOOTER ---- */
.footer {
  background: var(--navy); color: var(--gray-200);
  padding: 60px 0 30px;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
  margin-bottom: 40px;
}
.footer-brand h3 { color: var(--white); font-size: 1.3rem; margin-bottom: 12px; }
.footer-brand h3 span { color: var(--gold); }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; }
.footer h4 { color: var(--white); margin-bottom: 16px; font-size: 0.95rem; }
.footer ul { list-style: none; }
.footer li { margin-bottom: 10px; }
.footer a { color: var(--gray-200); font-size: 0.9rem; }
.footer a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid var(--navy-light);
  padding-top: 24px; text-align: center;
  font-size: 0.85rem; color: var(--gray-600);
}

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .nav-links.open {
    display: flex; flex-direction: column;
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy); padding: 24px;
    border-bottom: 2px solid var(--gold);
  }
  .hero { padding: 120px 0 80px; }
  .hero-stats { gap: 30px; }
  .steps { grid-template-columns: 1fr; }
  .loan-grid { grid-template-columns: 1fr; }
  .features { grid-template-columns: 1fr; }
  .loan-type-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .form-container { padding: 24px; margin: 0 16px; }
  .info-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
}