/* ============================================================
   elitehml.com | assets/css/style.css
   Theme: Mariner-inspired — Navy + Red — Roboto Condensed
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Roboto+Condensed:ital,wght@0,300;0,400;0,700;1,400&family=Roboto:wght@400;500;700&display=swap');

:root {
  --red:        #c0392b;
  --red-dark:   #a93226;
  --red-light:  #e74c3c;
  --navy:       #1a2a4a;
  --navy-mid:   #152038;
  --navy-dark:  #0e1628;
  --white:      #ffffff;
  --off-white:  #f4f6f9;
  --light-gray: #e8ecf0;
  --mid-gray:   #8e9eae;
  --body-text:  #3d4f60;
  --border:     #d1d9e0;
  --shadow-sm:  0 2px 8px rgba(0,0,0,.1);
  --shadow:     0 6px 24px rgba(0,0,0,.15);
  --shadow-lg:  0 16px 48px rgba(0,0,0,.2);
  --radius:     4px;
  --radius-lg:  8px;
  --font:       'Roboto', sans-serif;
  --font-cond:  'Roboto Condensed', sans-serif;
  --transition: .22s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  font-size: 1rem;
  color: var(--body-text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--red); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--red-dark); text-decoration: underline; }
img { max-width: 100%; display: block; }

/* ── Utilities ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 1.5rem; }
.text-center { text-align: center; }

/* ── Buttons ── */
.btn {
  display: inline-block;
  padding: .75rem 2rem;
  background: var(--red);
  color: var(--white);
  font-family: var(--font-cond);
  font-size: .92rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  border: 2px solid var(--red);
  border-radius: var(--radius);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn:hover { background: var(--red-dark); border-color: var(--red-dark); color: var(--white); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(192,57,43,.35); text-decoration: none; }
.btn-lg { padding: .9rem 2.6rem; font-size: 1rem; }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn-outline:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: rgba(255,255,255,.8); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-mid); border-color: var(--navy-mid); color: var(--white); }
.btn-white { background: var(--white); color: var(--red); border-color: var(--white); }
.btn-white:hover { background: var(--off-white); color: var(--red-dark); text-decoration: none; }
.btn-nav { padding: .55rem 1.3rem; font-size: .84rem; }
.btn-sm { padding: .45rem 1.2rem; font-size: .82rem; }

/* ── Header ── */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 300;
  box-shadow: 0 2px 12px rgba(0,0,0,.4);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding: 1rem 0;
}
.logo { display: flex; align-items: center; gap: .7rem; text-decoration: none; }
.logo-mark {
  width: 40px; height: 40px;
  background: var(--red);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.logo-text span:first-child {
  font-family: var(--font-cond);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: .04em;
  text-transform: uppercase;
}
.logo-text span:last-child {
  font-size: .65rem;
  color: rgba(255,255,255,.5);
  letter-spacing: .12em;
  text-transform: uppercase;
}
.site-nav { display: flex; gap: 0; margin-left: auto; }
.site-nav a {
  color: rgba(255,255,255,.8);
  font-family: var(--font-cond);
  font-size: .9rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: .5rem 1rem;
  border-bottom: 3px solid transparent;
  transition: color var(--transition), border-color var(--transition);
  text-decoration: none;
}
.site-nav a:hover, .site-nav a.active { color: var(--white); border-color: var(--red); text-decoration: none; }
.nav-toggle {
  display: none; flex-direction: column; justify-content: center; gap: 5px;
  background: none; border: none; cursor: pointer; padding: .3rem; margin-left: auto;
}
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: .3s; }
.nav-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 620px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background-color: var(--navy-dark);
  background-image:
    linear-gradient(to right, rgba(14,22,40,.92) 0%, rgba(14,22,40,.75) 50%, rgba(14,22,40,.4) 100%),
    url('../img/hero-bg.jpg');
  background-size: cover;
  background-position: center right;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3rem;
  align-items: center;
  padding: 4.5rem 0;
  width: 100%;
}
.hero-content { color: var(--white); }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: rgba(192,57,43,.25);
  border: 1px solid rgba(192,57,43,.5);
  color: #f1948a;
  font-family: var(--font-cond);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: .35rem .85rem;
  border-radius: 2px;
  margin-bottom: 1.2rem;
}
.hero h1 {
  font-family: var(--font-cond);
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 700;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 1.1rem;
  text-transform: uppercase;
  letter-spacing: .02em;
}
.hero h1 em { font-style: normal; color: #f1948a; }
.hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,.78);
  max-width: 480px;
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-features { display: flex; flex-direction: column; gap: .6rem; margin-bottom: 2.2rem; }
.hero-feature {
  display: flex;
  align-items: center;
  gap: .7rem;
  font-size: .92rem;
  color: rgba(255,255,255,.85);
  font-family: var(--font-cond);
}
.hero-feature-icon {
  width: 20px; height: 20px;
  background: var(--red);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .7rem;
  color: var(--white);
  flex-shrink: 0;
  font-weight: 700;
}
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ── Hero Form Card ── */
.hero-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.hero-form-card-header {
  background: var(--navy);
  padding: 1.4rem 1.8rem;
  border-bottom: 3px solid var(--red);
}
.hero-form-card-header h3 {
  font-family: var(--font-cond);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: .2rem;
}
.hero-form-card-header p { font-size: .82rem; color: rgba(255,255,255,.6); font-family: var(--font-cond); }
.hero-form-body { padding: 1.6rem 1.8rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; margin-bottom: .85rem; }
.form-row--three { grid-template-columns: 1fr 1fr 1fr; }
.form-group { display: flex; flex-direction: column; gap: .3rem; }
label {
  font-family: var(--font-cond);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--navy);
}
input[type=text], input[type=email], input[type=tel], select {
  padding: .6rem .85rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font);
  font-size: .9rem;
  color: var(--navy-dark);
  background: var(--white);
  width: 100%;
  transition: border-color var(--transition), box-shadow var(--transition);
}
input:focus, select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(192,57,43,.12);
}
.g-recaptcha-wrapper { display: flex; justify-content: center; margin: 1rem 0; }
.btn-submit {
  width: 100%;
  padding: .95rem;
  font-family: var(--font-cond);
  font-size: 1.05rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  background: var(--red);
  color: var(--white);
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  box-shadow: 0 4px 14px rgba(192,57,43,.35);
}
.btn-submit:hover { background: var(--red-dark); transform: translateY(-1px); box-shadow: 0 8px 20px rgba(192,57,43,.4); }
.form-disclaimer {
  font-size: .68rem;
  color: var(--mid-gray);
  text-align: center;
  margin-top: .8rem;
  line-height: 1.5;
}
.form-disclaimer a { color: var(--red); }
.form-alert { padding: .9rem 1.1rem; border-radius: var(--radius); margin-bottom: 1.1rem; font-size: .9rem; font-weight: 500; }
.form-alert--success { background: #d1fae5; color: #065f46; border: 1px solid #a7f3d0; }
.form-alert--error   { background: #fee2e2; color: #991b1b; border: 1px solid #fecaca; }

/* ── Stats / Trust Bar ── */
.stats-bar {
  background: var(--navy);
  padding: 1.4rem 0;
  border-top: 3px solid var(--red);
}
.stats-bar-inner {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
}
.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: .6rem 2.5rem;
  border-right: 1px solid rgba(255,255,255,.1);
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-cond);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}
.stat-label {
  font-size: .7rem;
  color: rgba(255,255,255,.55);
  letter-spacing: .06em;
  text-transform: uppercase;
  font-family: var(--font-cond);
}

/* ── Sections ── */
.section { padding: 5rem 0; }
.section--alt { background: var(--off-white); }
.section--dark { background: var(--navy); }
.section-eyebrow {
  font-family: var(--font-cond);
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .16em;
  color: var(--red);
  margin-bottom: .5rem;
  display: block;
}
.section--dark .section-eyebrow { color: #f1948a; }
.section-title {
  font-family: var(--font-cond);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.15;
  text-transform: uppercase;
  letter-spacing: .02em;
  margin-bottom: .9rem;
}
.section--dark .section-title { color: var(--white); }
.section-sub {
  font-size: .98rem;
  color: var(--mid-gray);
  max-width: 560px;
  margin: 0 auto 3.5rem;
  line-height: 1.75;
}
.section--dark .section-sub { color: rgba(255,255,255,.6); }

/* ── Process Steps ── */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  position: relative;
}
.process-step { text-align: center; position: relative; }
.process-num {
  width: 64px; height: 64px;
  background: var(--red);
  color: var(--white);
  border-radius: var(--radius);
  font-family: var(--font-cond);
  font-size: 1.7rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.4rem;
}
.process-step h3 {
  font-family: var(--font-cond);
  font-size: 1.1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--navy);
  margin-bottom: .6rem;
}
.process-step p { font-size: .9rem; color: var(--mid-gray); line-height: 1.7; }

/* ── Feature Cards ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem 1.8rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  border-top: 4px solid var(--red);
  transition: transform var(--transition), box-shadow var(--transition);
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.feature-icon {
  width: 50px; height: 50px;
  background: rgba(192,57,43,.08);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1.2rem;
}
.feature-card h3 {
  font-family: var(--font-cond);
  font-size: 1.05rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--navy);
  margin-bottom: .5rem;
}
.feature-card p { font-size: .9rem; color: var(--body-text); line-height: 1.7; }

/* ── FAQ ── */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: .75rem;
  overflow: hidden;
}
.faq-btn {
  width: 100%;
  text-align: left;
  padding: 1.1rem 1.4rem;
  background: var(--white);
  border: none;
  cursor: pointer;
  font-family: var(--font-cond);
  font-size: .97rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .03em;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  transition: background var(--transition), color var(--transition);
}
.faq-btn:hover { background: var(--off-white); }
.faq-btn.open { background: var(--navy); color: var(--white); }
.faq-icon {
  flex-shrink: 0;
  width: 26px; height: 26px;
  background: rgba(192,57,43,.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  color: var(--red);
  font-weight: 700;
  transition: transform .3s;
}
.faq-btn.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  display: none;
  padding: 1.1rem 1.4rem;
  font-size: .93rem;
  color: var(--body-text);
  line-height: 1.75;
  background: var(--off-white);
  border-top: 1px solid var(--border);
}
.faq-answer.open { display: block; }

/* ── CTA Section ── */
.cta-section {
  background: var(--red);
  padding: 4.5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(45deg, transparent, transparent 30px, rgba(255,255,255,.03) 30px, rgba(255,255,255,.03) 60px);
}
.cta-section > * { position: relative; z-index: 1; }
.cta-section h2 {
  font-family: var(--font-cond);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--white);
  margin-bottom: .9rem;
}
.cta-section p { font-size: 1.05rem; color: rgba(255,255,255,.8); max-width: 540px; margin: 0 auto 2.2rem; }

/* ── Form Section (get-started) ── */
.form-section { background: var(--off-white); padding: 5rem 0; }
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 0;
  box-shadow: var(--shadow-lg);
  max-width: 720px;
  margin: 0 auto;
  overflow: hidden;
}
.form-header {
  background: var(--navy);
  padding: 1.8rem 2.5rem;
  border-bottom: 3px solid var(--red);
  text-align: center;
}
.form-badge {
  display: inline-block;
  background: rgba(192,57,43,.25);
  color: #f1948a;
  border: 1px solid rgba(192,57,43,.4);
  padding: .3rem 1rem;
  border-radius: 2px;
  font-size: .72rem;
  font-weight: 700;
  font-family: var(--font-cond);
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: .8rem;
}
.form-header h3 {
  font-family: var(--font-cond);
  font-size: 1.6rem;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--white);
  margin-bottom: .3rem;
}
.form-header p { color: rgba(255,255,255,.6); font-size: .9rem; }
.form-body-inner { padding: 2.2rem 2.5rem; }

/* ── Page Hero ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 4rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
  border-bottom: 4px solid var(--red);
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(45deg, transparent, transparent 40px, rgba(255,255,255,.02) 40px, rgba(255,255,255,.02) 80px);
}
.page-hero > .container { position: relative; z-index: 1; }
.page-hero h1 {
  font-family: var(--font-cond);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  margin-bottom: .7rem;
}
.page-hero p { opacity: .75; font-size: 1.05rem; max-width: 560px; margin: 0 auto; }

/* ── Content (inner pages) ── */
.content-wrap { max-width: 840px; margin: 0 auto; padding: 4rem 1.5rem; }
.content-wrap h2 {
  font-family: var(--font-cond);
  font-size: 1.4rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--navy);
  margin: 2.2rem 0 .8rem;
  padding-bottom: .5rem;
  border-bottom: 2px solid var(--light-gray);
}
.content-wrap h2:first-child { margin-top: 0; }
.content-wrap p { margin-bottom: 1.1rem; }
.content-wrap ol, .content-wrap ul { margin: .8rem 0 1.2rem 1.5rem; }
.content-wrap li { margin-bottom: .5rem; }
.content-wrap strong { color: var(--navy); }

/* ── Footer ── */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,.5); padding: 3.5rem 0 2rem; }
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 2.5rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand { display: flex; align-items: center; gap: .7rem; }
.footer-nav { display: flex; flex-wrap: wrap; gap: .5rem 1.3rem; max-width: 640px; }
.footer-nav a { color: rgba(255,255,255,.45); font-size: .82rem; font-family: var(--font-cond); transition: color var(--transition); }
.footer-nav a:hover { color: rgba(255,255,255,.8); text-decoration: none; }
.disclosure { font-size: .72rem; line-height: 1.75; color: rgba(255,255,255,.3); margin-bottom: 2rem; }
.disclosure p { margin-bottom: .8rem; }
.disclosure strong { color: rgba(255,255,255,.45); }
.footer-copy {
  text-align: center;
  font-size: .75rem;
  color: rgba(255,255,255,.25);
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.05);
  font-family: var(--font-cond);
}

/* ── Responsive ── */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-form-card { max-width: 520px; margin: 0 auto; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: 1fr; gap: 2rem; }
  .stats-bar-inner { gap: 0; }
}
@media (max-width: 680px) {
  .nav-toggle { display: flex; }
  .site-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy-mid); flex-direction: column;
    padding: 1rem 1.5rem; gap: .5rem;
    border-top: 2px solid var(--red); box-shadow: 0 12px 30px rgba(0,0,0,.3);
  }
  .site-nav.open { display: flex; }
  .site-header { position: relative; }
  .btn-nav { display: none; }
  .features-grid { grid-template-columns: 1fr; }
  .form-row, .form-row--three { grid-template-columns: 1fr; }
  .hero-inner { padding: 3.5rem 0 3rem; }
  .stat-item { min-width: 120px; }
  .footer-top { flex-direction: column; }
  .hero-cta { flex-direction: column; align-items: flex-start; }
}

/* ============================================================
   EXTENDED COMPONENTS — Images, Splits, Cards, Banners
   ============================================================ */

/* ── Split Section ── */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.split-section--reverse .split-img { order: 2; }
.split-section--reverse .split-content { order: 1; }

.split-img {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.split-img img {
  width: 100%;
  height: 440px;
  object-fit: cover;
  display: block;
  transition: transform .5s ease;
}
.split-img:hover img { transform: scale(1.03); }

.split-img-badge {
  position: absolute;
  bottom: 1.4rem;
  left: 1.4rem;
  background: var(--red);
  color: var(--white);
  font-family: var(--font-cond);
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: .45rem 1rem;
  border-radius: var(--radius);
}

.split-desc {
  font-size: .97rem;
  color: var(--body-text);
  line-height: 1.78;
  margin-bottom: 1.6rem;
}

/* ── Steps List ── */
.steps-list { display: flex; flex-direction: column; gap: 1.8rem; }
.step-item { display: flex; gap: 1.2rem; align-items: flex-start; }
.step-num {
  width: 48px; height: 48px;
  background: var(--red);
  color: var(--white);
  border-radius: var(--radius);
  font-family: var(--font-cond);
  font-size: 1.4rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.step-body h3 {
  font-family: var(--font-cond);
  font-size: 1.05rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--navy);
  margin-bottom: .35rem;
}
.step-body p { font-size: .9rem; color: var(--body-text); line-height: 1.7; }

/* ── Check List ── */
.check-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1.6rem;
  display: flex;
  flex-direction: column;
  gap: .65rem;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: .7rem;
  font-size: .93rem;
  color: var(--body-text);
  line-height: 1.55;
}
.check-list li::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px; height: 20px;
  background: var(--red);
  color: var(--white);
  border-radius: 50%;
  font-size: .65rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ── Full-width Image Banner ── */
.img-banner {
  position: relative;
  min-height: 360px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  overflow: hidden;
}
.img-banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(14,22,40,.88) 0%, rgba(192,57,43,.55) 100%);
}
.img-banner-content {
  position: relative;
  z-index: 2;
  text-align: center;
  color: var(--white);
  padding: 4rem 1.5rem;
}
.img-banner-content h2 {
  font-family: var(--font-cond);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  margin-bottom: .8rem;
}
.img-banner-content p {
  font-size: 1.05rem;
  opacity: .85;
  max-width: 560px;
  margin: 0 auto 1.8rem;
  line-height: 1.7;
}

/* ── Loan Cards (home page) ── */
.loan-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.loan-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  transition: transform var(--transition), box-shadow var(--transition);
  background: var(--white);
}
.loan-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.loan-card-img { overflow: hidden; }
.loan-card-img img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
  transition: transform .4s ease;
}
.loan-card:hover .loan-card-img img { transform: scale(1.05); }
.loan-card-body { padding: 1.5rem 1.6rem; }
.loan-tag {
  display: inline-block;
  background: rgba(192,57,43,.1);
  color: var(--red);
  font-family: var(--font-cond);
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  padding: .25rem .75rem;
  border-radius: 2px;
  margin-bottom: .7rem;
}
.loan-card-body h3 {
  font-family: var(--font-cond);
  font-size: 1.1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--navy);
  margin-bottom: .45rem;
}
.loan-card-body p { font-size: .88rem; color: var(--body-text); line-height: 1.7; margin-bottom: 1.2rem; }

/* ── Dark Stats (home dark section) ── */
.dark-stats {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  margin-top: 1rem;
}
.dark-stat { display: flex; flex-direction: column; gap: .15rem; }
.dark-stat-num {
  font-family: var(--font-cond);
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}
.dark-stat-label {
  font-size: .72rem;
  color: rgba(255,255,255,.5);
  text-transform: uppercase;
  letter-spacing: .07em;
  font-family: var(--font-cond);
}

/* ── Info Boxes ── */
.info-boxes { display: flex; flex-direction: column; gap: 1.2rem; }
.info-box {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 1.1rem 1.2rem;
  border-left: 3px solid var(--red);
}
.info-box-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: .1rem; }
.info-box strong {
  display: block;
  font-family: var(--font-cond);
  font-size: .92rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: var(--navy);
  margin-bottom: .2rem;
}
.info-box p { font-size: .87rem; color: var(--body-text); line-height: 1.6; margin: 0; }

/* ── Info Grid (how-it-works warnings) ── */
.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 1rem;
}
.info-card {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 1.8rem 1.6rem;
  border-top: 4px solid var(--navy);
}
.info-card-icon { font-size: 1.8rem; margin-bottom: .8rem; }
.info-card h3 {
  font-family: var(--font-cond);
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--navy);
  margin-bottom: .5rem;
}
.info-card p { font-size: .88rem; color: var(--body-text); line-height: 1.7; }

/* ── Compare Grid (why-choose-us) ── */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  max-width: 760px;
  margin: 2.5rem auto 0;
}
.compare-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.compare-header {
  padding: 1rem 1.5rem;
  font-family: var(--font-cond);
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--white);
}
.compare-card--us .compare-header { background: var(--red); }
.compare-card--them .compare-header { background: var(--mid-gray); }
.compare-list {
  list-style: none;
  padding: 1.2rem 1.5rem;
  background: var(--white);
  display: flex;
  flex-direction: column;
  gap: .7rem;
  border: 1px solid var(--light-gray);
  border-top: none;
}
.compare-list li {
  font-size: .9rem;
  color: var(--body-text);
  padding-left: .2rem;
}
.compare-card--us .compare-list li { color: var(--navy); font-weight: 500; }
.compare-card--them .compare-list li { color: var(--mid-gray); }

/* ── Hero Badge ── */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(192,57,43,.2);
  border: 1px solid rgba(192,57,43,.4);
  color: #f1948a;
  font-family: var(--font-cond);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: .35rem .85rem;
  border-radius: 2px;
  margin-bottom: 1.2rem;
}

/* ── Responsive additions ── */
@media (max-width: 1024px) {
  .split-section { grid-template-columns: 1fr; gap: 2.5rem; }
  .split-section--reverse .split-img { order: 0; }
  .split-section--reverse .split-content { order: 0; }
  .split-img img { height: 320px; }
  .loan-cards { grid-template-columns: 1fr 1fr; }
  .info-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  .loan-cards { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .dark-stats { gap: 1.2rem; }
  .img-banner { background-attachment: scroll; }
}

#loanForm {
  background: #fff;
  padding: 2rem;
  border-radius: 8px;
}

/* Row spacing */
.form-row {
  display: flex;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

/* 3 column row */
.form-row--three .form-group {
  flex: 1;
}

/* Default form group */
.form-group {
  flex: 1;
  display: flex;
  flex-direction: column;
}

/* Labels */
.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: #1a2a3a;
  letter-spacing: 0.5px;
}

/* Inputs & Selects */
.form-group input,
.form-group select {
  padding: 0.75rem 0.9rem;
  border: 1px solid #dcdcdc;
  border-radius: 4px;
  font-size: 0.95rem;
  background: #f9f9f9;
}

/* Focus effect */
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: #1e5eff;
  background: #fff;
}

/* reCAPTCHA spacing */
.g-recaptcha-wrapper {
  margin: 1.5rem 0;
}

/* Submit button */
.btn-submit {
  width: 100%;
  padding: 1rem;
  background: #c0392b;
  color: #fff;
  font-weight: 600;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  margin-top: 0.5rem;
}

.btn-submit:hover {
  background: #a93226;
}

/* Disclaimer */
.form-disclaimer {
  font-size: 0.75rem;
  color: #777;
  margin-top: 1rem;
  line-height: 1.4;
}

@media (max-width: 768px) {
  .form-row {
    flex-direction: column;
    gap: 1rem;
  }
}