/* ===================================================================
   MoneyXperts — shared design system
   Used by: index.html, personal-loan.html, home-loan.html,
            business-loan.html, credit-cards.html
=================================================================== */

:root{
  --bg:#f6f8fb;
  --panel:#ffffff;
  --panel-2:#eef2f7;
  --navy:#0b2954;
  --navy-deep:#071b3d;
  --green:#289f44;
  --green-light:#3fbf5e;
  --cream:#16233a;
  --muted:#5c6b80;
  --line:rgba(11,41,84,0.12);
  --shadow:0 18px 40px -22px rgba(11,41,84,0.22);
  --radius:14px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--bg);
  color:var(--cream);
  font-family:'Manrope',sans-serif;
  -webkit-font-smoothing:antialiased;
  line-height:1.5;
}
a{color:inherit;text-decoration:none;}
h1,h2,h3{font-family:'Fraunces',serif;margin:0;}
img,svg{display:block;max-width:100%;}
.wrap{max-width:1240px;margin:0 auto;padding:0 32px;}
@media (max-width:600px){ .wrap{padding:0 20px;} }

.eyebrow{
  display:inline-flex;align-items:center;gap:10px;
  font-size:12px;letter-spacing:.16em;text-transform:uppercase;
  color:var(--green);
  border:1px solid var(--line);
  padding:9px 18px;border-radius:999px;
  background:rgba(40,159,68,0.06);
}
.eyebrow::before{content:"◆";font-size:10px;color:var(--green);}

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible{
  outline:2px solid var(--green); outline-offset:3px;
}
@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.01ms !important; transition-duration:0.01ms !important;}
}

/* ---------- Header ---------- */
header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,0.92);backdrop-filter:blur(10px);
  border-bottom:1px solid rgba(11,41,84,0.08);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0;position:relative;}
.brand{display:flex;align-items:center;gap:12px;}
.logo-img{height:38px;width:auto;display:block;}
@media (max-width:480px){ .logo-img{height:30px;} }
.nav-links{display:flex;align-items:center;gap:30px;font-size:15px;color:#3d4a60;}
.nav-links a{white-space:nowrap;}
.nav-links a:hover{color:var(--green);}
.nav-links a.active{color:var(--navy);font-weight:700;}
.nav-right{display:flex;align-items:center;gap:14px;}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 26px;border-radius:9px;font-weight:700;font-size:15px;
  border:none;cursor:pointer;transition:transform .15s ease, box-shadow .15s ease;
}
.btn-gold{background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:#fff;}
.btn-gold:hover{transform:translateY(-1px);box-shadow:0 10px 26px rgba(11,41,84,0.28);}
.btn-ghost{border:1.5px solid var(--line);color:var(--navy);background:#fff;}
.btn-ghost:hover{border-color:var(--green);color:var(--green);}
.nav .btn{padding:11px 22px;font-size:14px;}

.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:6px;}
.nav-toggle svg{width:26px;height:26px;color:var(--navy-deep);}
@media (max-width:900px){
  .nav-links{display:none;}
  .nav-toggle{display:block;}
  .nav-links.mobile-open{
    display:flex;flex-direction:column;gap:0;position:absolute;top:100%;left:0;right:0;
    background:var(--panel);border:1px solid var(--line);border-radius:12px;
    box-shadow:var(--shadow);padding:8px;margin-top:8px;
  }
  .nav-links.mobile-open a{padding:12px 14px;border-radius:8px;}
  .nav-links.mobile-open a:hover{background:var(--panel-2);}
}

/* ---------- Hero (with photo) ---------- */
.hero{padding:64px 0 84px;position:relative;overflow:hidden;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}
@media (max-width:940px){ .hero-grid{grid-template-columns:1fr;} }
h1.headline{font-size:clamp(38px,5.2vw,58px);font-weight:600;line-height:1.06;letter-spacing:-0.01em;margin:24px 0 6px;color:var(--navy-deep);}
.headline .accent{font-style:italic;font-weight:500;color:var(--green);display:block;}
.sub{font-size:17.5px;color:#4b5a70;max-width:480px;margin:18px 0 30px;}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;}
.trust-row{display:flex;gap:26px;margin-top:38px;flex-wrap:wrap;}
.trust-item{font-size:13px;color:var(--muted);}
.trust-item b{color:var(--green);font-family:'Fraunces',serif;font-size:19px;display:block;font-weight:600;}

.hero-photo-wrap{position:relative;border-radius:20px;overflow:hidden;box-shadow:0 40px 80px -28px rgba(11,41,84,0.4);aspect-ratio:4/3;}
.hero-photo-wrap img{width:100%;height:100%;object-fit:cover;}
.hero-photo-wrap::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(200deg, rgba(11,41,84,0.02), rgba(7,27,61,0.35));
}
.hero-badge{
  position:absolute;bottom:18px;left:18px;z-index:2;
  background:rgba(255,255,255,0.94);backdrop-filter:blur(6px);
  border-radius:12px;padding:14px 18px;box-shadow:var(--shadow);
  display:flex;align-items:center;gap:12px;
}
.hero-badge .dot{width:10px;height:10px;border-radius:50%;background:var(--green);flex-shrink:0;box-shadow:0 0 0 4px rgba(40,159,68,0.18);}
.hero-badge b{display:block;font-size:14px;color:var(--navy-deep);}
.hero-badge span{font-size:12px;color:var(--muted);}

/* card mockup (credit cards page) */
.card-stage{position:relative;height:420px;}
.credit-card{
  position:absolute;width:88%;max-width:430px;aspect-ratio:1.6/1;
  border-radius:20px;padding:30px;left:6%;top:16%;
  overflow:hidden;transition:transform .25s ease;
}
.credit-card::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(115deg,transparent 40%, rgba(255,255,255,0.10) 50%, transparent 60%);
  background-size:250% 250%;background-position:0 0;
  animation:shimmer 5.5s ease-in-out infinite;
}
@keyframes shimmer{0%,100%{background-position:0 0;}50%{background-position:100% 100%;}}
.credit-card .cc-label{font-size:12px;letter-spacing:.14em;text-transform:uppercase;}
.credit-card .cc-number{margin-top:56px;font-size:19px;letter-spacing:.14em;font-variant-numeric:tabular-nums;}
.credit-card .cc-bottom{display:flex;justify-content:space-between;align-items:flex-end;margin-top:34px;}
.credit-card .cc-holder-label{font-size:10px;letter-spacing:.1em;color:#8fa0b8;text-transform:uppercase;}
.credit-card .cc-holder{font-size:14px;letter-spacing:.06em;margin-top:4px;color:#eef2f7;}
.cc-chip{width:52px;height:38px;border-radius:6px;position:absolute;top:30px;right:30px;display:flex;}
.tier-signature{
  z-index:3;
  background:radial-gradient(120% 140% at 15% 0%, rgba(63,191,94,0.16), transparent 55%), linear-gradient(155deg,#0f2a52,#071a38 65%);
  border:1px solid rgba(63,191,94,0.25);box-shadow:0 40px 80px -28px rgba(11,41,84,0.45);
}
.tier-signature .cc-label{color:var(--green-light);}
.tier-signature .cc-number{color:#eef2f7;}
.tier-signature .cc-chip{background:linear-gradient(135deg,var(--green-light),var(--green));opacity:.95;}
.tier-starter{
  z-index:1;background:linear-gradient(155deg,#3a4a63,#28374d 70%);border:1px solid rgba(255,255,255,0.08);
  box-shadow:0 30px 60px -26px rgba(11,41,84,0.35);transform:translate(-34px,-18px) rotate(-9deg);
}
.tier-starter .cc-label{color:#c7d0dd;}
.tier-starter .cc-number{color:#dfe4ec;opacity:.85;}
.tier-starter .cc-chip{background:linear-gradient(135deg,#c7d0dd,#96a4ba);opacity:.85;}
.tier-prestige{
  z-index:2;background:linear-gradient(155deg,#0a1830,#050d1c 70%);border:1px solid rgba(63,191,94,0.18);
  box-shadow:0 34px 70px -26px rgba(0,0,0,0.5);transform:translate(36px,22px) rotate(7deg);
}
.tier-prestige .cc-label{color:var(--green);}
.tier-prestige .cc-number{color:#c9d2e0;opacity:.7;}
.tier-prestige .cc-chip{background:linear-gradient(135deg,var(--green),#1c7433);opacity:.8;}
.card-stage:hover .tier-starter{transform:translate(-46px,-26px) rotate(-12deg);}
.card-stage:hover .tier-prestige{transform:translate(48px,30px) rotate(10deg);}

/* ---------- Sections ---------- */
section{padding:74px 0;}
.section-head{max-width:640px;margin:0 auto 44px;text-align:center;}
.section-head h2{font-size:clamp(26px,3.2vw,36px);font-weight:600;line-height:1.15;color:var(--navy-deep);}
.section-head p{color:var(--muted);margin-top:12px;font-size:16px;}

/* benefits */
.benefits-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
@media (max-width:940px){ .benefits-grid{grid-template-columns:repeat(2,1fr);} }
@media (max-width:560px){ .benefits-grid{grid-template-columns:1fr;} }
.benefit{background:var(--panel);border:1px solid rgba(11,41,84,0.07);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);}
.benefit .num{font-family:'Fraunces',serif;font-style:italic;color:var(--green);font-size:22px;}
.benefit h3{font-size:17px;margin:12px 0 8px;font-weight:600;color:var(--navy-deep);}
.benefit p{color:var(--muted);font-size:14px;margin:0;}

/* how it works: steps */
.steps{position:relative;}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;position:relative;}
@media (max-width:820px){ .steps-grid{grid-template-columns:1fr;gap:28px;} }
.step{position:relative;padding:0 24px;text-align:center;}
.step-num{
  width:52px;height:52px;border-radius:50%;margin:0 auto 18px;
  background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:#fff;
  display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-size:20px;font-weight:600;
  box-shadow:0 12px 24px -8px rgba(11,41,84,0.4);position:relative;z-index:2;
}
.step h3{font-size:17px;margin-bottom:8px;color:var(--navy-deep);}
.step p{color:var(--muted);font-size:14px;margin:0;}
.steps-grid::before{
  content:"";position:absolute;top:26px;left:16%;right:16%;height:2px;
  background:repeating-linear-gradient(90deg, var(--line) 0 10px, transparent 10px 18px);
  z-index:1;
}
@media (max-width:820px){ .steps-grid::before{display:none;} }

/* tiers (credit card page) */
.tiers{background:var(--panel-2);}
.tiers-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
@media (max-width:900px){ .tiers-grid{grid-template-columns:1fr;} }
.tier{background:var(--panel);border:1px solid rgba(11,41,84,0.07);border-radius:var(--radius);padding:32px;display:flex;flex-direction:column;box-shadow:var(--shadow);}
.tier-img{width:100%;max-width:150px;height:auto;margin:0 auto 20px;filter:drop-shadow(0 14px 22px rgba(11,41,84,0.18));}
.tier.featured{border-color:var(--green);box-shadow:0 0 0 1px var(--green), var(--shadow);}
.tier .tag{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--green);}
.tier h3{font-size:24px;margin:12px 0 6px;color:var(--navy-deep);}
.tier .desc{color:var(--muted);font-size:14px;margin-bottom:20px;}
.tier ul{list-style:none;padding:0;margin:0 0 24px;display:flex;flex-direction:column;gap:10px;}
.tier li{font-size:14px;color:#3d4a60;padding-left:20px;position:relative;}
.tier li::before{content:"—";position:absolute;left:0;color:var(--green);}
.tier .btn{width:100%;margin-top:auto;}

/* two-column feature block (loan pages) */
.feature-split{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start;}
@media (max-width:860px){ .feature-split{grid-template-columns:1fr;} }
.feature-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:16px;}
.feature-list li{display:flex;gap:12px;font-size:15px;color:#3d4a60;}
.feature-list li::before{content:"✓";flex-shrink:0;width:24px;height:24px;border-radius:50%;background:rgba(40,159,68,0.12);color:var(--green);font-weight:700;font-size:13px;display:flex;align-items:center;justify-content:center;}

/* service grid (homepage) */
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
@media (max-width:940px){ .service-grid{grid-template-columns:repeat(2,1fr);} }
@media (max-width:560px){ .service-grid{grid-template-columns:1fr;} }
.service-card{
  background:var(--panel);border:1px solid rgba(11,41,84,0.07);border-radius:var(--radius);
  padding:28px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:14px;
  transition:transform .2s ease, box-shadow .2s ease;
}
.service-card:hover{transform:translateY(-4px);box-shadow:0 26px 50px -22px rgba(11,41,84,0.32);}
.service-icon{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-deep));display:flex;align-items:center;justify-content:center;}
.service-icon svg{width:24px;height:24px;color:var(--green-light);}
.service-card h3{font-size:19px;color:var(--navy-deep);}
.service-card p{font-size:14px;color:var(--muted);margin:0;flex-grow:1;}
.service-card .service-link{font-size:14px;font-weight:700;color:var(--green);display:flex;align-items:center;gap:6px;}
.service-card .service-link svg{width:16px;height:16px;transition:transform .15s ease;}
.service-card:hover .service-link svg{transform:translateX(3px);}

/* stats */
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center;}
@media (max-width:700px){ .stats-row{grid-template-columns:repeat(2,1fr);} }
.stat b{display:block;font-family:'Fraunces',serif;font-size:clamp(28px,3.4vw,38px);color:var(--navy-deep);font-weight:600;}
.stat span{font-size:13px;color:var(--muted);}

/* lead form */
.apply{background:linear-gradient(180deg,var(--panel-2),var(--bg));}
.apply-box{max-width:680px;margin:0 auto;background:var(--panel);border:1px solid var(--line);border-radius:20px;padding:44px;box-shadow:var(--shadow);}
@media (max-width:600px){ .apply-box{padding:28px;} }
.apply-box h2{font-size:28px;margin-bottom:8px;color:var(--navy-deep);}
.apply-box .sub-note{color:var(--muted);font-size:14px;margin-bottom:30px;}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
@media (max-width:560px){ form .row{grid-template-columns:1fr;} }
.field{display:flex;flex-direction:column;gap:6px;}
.field.full{grid-column:1/-1;}
label{font-size:13px;color:#2c3a52;font-weight:600;}
input, select{
  background:#fbfcfe;border:1px solid rgba(11,41,84,0.16);border-radius:9px;
  padding:13px 14px;color:var(--cream);font-family:'Manrope',sans-serif;font-size:15px;
}
input:focus, select:focus{border-color:var(--green);}
input::placeholder{color:#93a0b3;}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--muted);margin:18px 0 22px;}
.consent input{width:16px;height:16px;margin-top:2px;flex-shrink:0;}
form .btn-gold{width:100%;padding:15px;font-size:16px;}
.form-foot{font-size:12px;color:var(--muted);text-align:center;margin-top:14px;}

/* seo content */
#guide{background:var(--panel-2);}
.seo-content{max-width:760px;margin:0 auto;}
.seo-content h2{font-size:clamp(26px,3vw,32px);color:var(--navy-deep);margin-bottom:20px;}
.seo-content h3{font-size:18px;color:var(--navy-deep);margin:28px 0 8px;}
.seo-content p{color:#3d4a60;font-size:15px;line-height:1.75;margin:0;}

/* faq */
.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:14px;}
.faq-item{background:var(--panel);border:1px solid rgba(11,41,84,0.08);border-radius:12px;padding:6px 24px;box-shadow:var(--shadow);}
.faq-item summary{list-style:none;cursor:pointer;padding:18px 0;font-weight:700;font-size:15.5px;color:var(--navy-deep);display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";flex-shrink:0;font-size:22px;font-weight:400;color:var(--green);transition:transform .2s ease;}
.faq-item[open] summary::after{transform:rotate(45deg);}
.faq-item p{margin:0 0 20px;color:var(--muted);font-size:14.5px;line-height:1.6;}

/* footer */
footer{border-top:1px solid rgba(11,41,84,0.08);padding:40px 0;background:var(--panel);}
.footer-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;margin-bottom:28px;}
.footer-col h4{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--navy-deep);margin-bottom:14px;}
.footer-col a{display:block;font-size:14px;color:var(--muted);margin-bottom:10px;}
.footer-col a:hover{color:var(--green);}
.footer-row{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;font-size:13px;color:var(--muted);border-top:1px solid rgba(11,41,84,0.06);padding-top:24px;}
.social-row{display:flex;gap:12px;}
.social-icon{display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--panel-2);color:var(--navy);border:1px solid rgba(11,41,84,0.08);transition:background .15s ease, color .15s ease, transform .15s ease;}
.social-icon:hover{background:var(--green);color:#fff;transform:translateY(-2px);}

/* whatsapp float */
.wa-float{
  position:fixed;right:24px;bottom:24px;z-index:60;display:flex;align-items:center;gap:10px;
  background:var(--green);border:1px solid rgba(11,41,84,0.08);padding:14px 18px;border-radius:999px;
  box-shadow:0 14px 30px rgba(40,159,68,0.35);color:#ffffff;font-weight:700;font-size:14px;
}
.wa-float:hover{background:var(--green-light);}

/* ---------- Scroll-reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease, transform .6s ease;}
.reveal.in-view{opacity:1;transform:translateY(0);}
.reveal-stagger > *{opacity:0;transform:translateY(22px);transition:opacity .6s ease, transform .6s ease;}
.reveal-stagger.in-view > *{opacity:1;transform:translateY(0);}
.reveal-stagger.in-view > *:nth-child(1){transition-delay:.05s;}
.reveal-stagger.in-view > *:nth-child(2){transition-delay:.15s;}
.reveal-stagger.in-view > *:nth-child(3){transition-delay:.25s;}
.reveal-stagger.in-view > *:nth-child(4){transition-delay:.35s;}