/* ============================================
   CREDIT GROWTH PRO - MAIN STYLESHEET
   ============================================ */

/* ---- RESET & BASE ---- */
*,
*::before,
*::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', 'Poppins', sans-serif;
    background: #F7F9FC;
    color: #111827;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

a {
    text-decoration: none;
    color: inherit;
}

img {
    max-width: 100%;
    display: block;
}

ul,
ol {
    list-style: none;
}

/* ---- VARIABLES ---- */
:root {
    --primary: #0B1F3A;
    --secondary: #D4AF37;
    --accent: #2F80ED;
    --bg: #F7F9FC;
    --white: #FFFFFF;
    --text: #111827;
    --muted: #64748B;
    --success: #16A34A;
    --radius: 18px;
    --shadow: 0 12px 40px rgba(11, 31, 58, 0.08);
    --shadow-hover: 0 20px 50px rgba(11, 31, 58, 0.12);
    --transition: all 0.25s ease;
}

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

.text-center {
    text-align: center;
}

.text-muted {
    color: var(--muted);
}

.mt-1 {
    margin-top: 0.5rem;
}
.mt-2 {
    margin-top: 1rem;
}
.mt-3 {
    margin-top: 2rem;
}
.mb-1 {
    margin-bottom: 0.5rem;
}
.mb-2 {
    margin-bottom: 1rem;
}
.mb-3 {
    margin-bottom: 2rem;
}

/* ---- BUTTONS ---- */
.btn-primary {
    display: inline-block;
    background: var(--secondary);
    color: var(--primary);
    font-weight: 600;
    padding: 14px 36px;
    border-radius: 50px;
    border: none;
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
    box-shadow: 0 6px 20px rgba(212, 175, 55, 0.3);
    font-family: inherit;
    letter-spacing: 0.3px;
    text-align: center;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(212, 175, 55, 0.4);
}

.btn-secondary {
    display: inline-block;
    background: transparent;
    color: var(--primary);
    font-weight: 600;
    padding: 14px 36px;
    border-radius: 50px;
    border: 2px solid var(--primary);
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
    text-align: center;
}

.btn-secondary:hover {
    background: var(--primary);
    color: var(--white);
}

.btn-accent {
    display: inline-block;
    background: var(--accent);
    color: var(--white);
    font-weight: 600;
    padding: 14px 36px;
    border-radius: 50px;
    border: none;
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
    box-shadow: 0 6px 20px rgba(47, 128, 237, 0.3);
    font-family: inherit;
    text-align: center;
}

.btn-accent:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(47, 128, 237, 0.4);
}

/* ---- HEADER ---- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(11, 31, 58, 0.06);
    padding: 12px 0;
}

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 1.4rem;
    color: var(--primary);
    letter-spacing: -0.5px;
}

.logo span {
    color: var(--secondary);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links a {
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--text);
    transition: color 0.2s;
}

.nav-links a:hover {
    color: var(--secondary);
}

.nav-links .btn-primary {
    padding: 10px 24px;
    font-size: 0.9rem;
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    background: none;
    border: none;
}

.hamburger span {
    width: 28px;
    height: 3px;
    background: var(--primary);
    border-radius: 3px;
    transition: 0.25s;
}

/* ---- SECTIONS ---- */
.section {
    padding: 60px 0;
}

.section-title {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 2.2rem;
    color: var(--primary);
    margin-bottom: 12px;
}

.section-sub {
    color: var(--muted);
    max-width: 640px;
    margin: 0 auto 40px;
    font-size: 1.05rem;
}

/* ---- CARDS ---- */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 24px;
}

.card {
    background: var(--white);
    padding: 28px 22px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid rgba(11, 31, 58, 0.04);
}

.card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-hover);
}

.card h4 {
    font-family: 'Poppins', sans-serif;
    font-weight: 600;
    font-size: 1.15rem;
    color: var(--primary);
    margin-bottom: 8px;
}

.card p {
    color: var(--muted);
    font-size: 0.95rem;
}

.card .emoji-big {
    font-size: 2rem;
    margin-bottom: 10px;
    display: block;
}

.card-cta {
    margin-top: 16px;
    display: inline-block;
    font-weight: 600;
    color: var(--accent);
    font-size: 0.95rem;
}

.card-cta:hover {
    text-decoration: underline;
}

/* ---- TRUST STRIP ---- */
.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.trust-card {
    background: var(--white);
    padding: 24px 20px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    border-left: 4px solid var(--secondary);
    transition: transform 0.2s;
}

.trust-card:hover {
    transform: translateY(-4px);
}

.trust-card .num {
    font-weight: 700;
    font-size: 1.4rem;
    color: var(--secondary);
    font-family: 'Poppins', sans-serif;
}

.trust-card h4 {
    font-size: 1.1rem;
    margin: 4px 0 6px;
    color: var(--primary);
}

.trust-card p {
    font-size: 0.9rem;
    color: var(--muted);
}

/* ---- STEPS ---- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 20px;
}

.step-item {
    background: var(--white);
    padding: 24px 18px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    text-align: center;
    border-top: 4px solid var(--secondary);
}

.step-item .step-num {
    font-weight: 700;
    font-size: 1.8rem;
    color: var(--secondary);
    font-family: 'Poppins', sans-serif;
    opacity: 0.6;
}

.step-item h4 {
    font-family: 'Poppins', sans-serif;
    margin: 6px 0 4px;
    color: var(--primary);
}

.step-item p {
    font-size: 0.9rem;
    color: var(--muted);
}

/* ---- OFFER BOX ---- */
.offer-box {
    background: var(--white);
    border-radius: var(--radius);
    padding: 48px 40px;
    box-shadow: var(--shadow);
    text-align: center;
    border: 1px solid rgba(212, 175, 55, 0.2);
}

.offer-box h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 1.8rem;
    color: var(--primary);
}

.offer-box p {
    color: var(--muted);
    max-width: 540px;
    margin: 12px auto 28px;
}

.offer-box .micro {
    font-size: 0.8rem;
    color: var(--muted);
    margin-top: 14px;
}

/* ---- FAQ ---- */
.faq-list {
    max-width: 760px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 18px 24px;
    border-left: 4px solid var(--secondary);
}

.faq-item h4 {
    font-family: 'Poppins', sans-serif;
    font-weight: 600;
    font-size: 1.05rem;
    color: var(--primary);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.faq-item p {
    color: var(--muted);
    margin-top: 8px;
    font-size: 0.95rem;
    display: none;
}

.faq-item p.visible {
    display: block;
}

.faq-item .toggle {
    font-size: 1.4rem;
    color: var(--secondary);
    font-weight: 300;
}

/* ---- FINAL CTA ---- */
.final-cta {
    background: var(--primary);
    color: var(--white);
    border-radius: var(--radius);
    padding: 60px 40px;
    text-align: center;
}

.final-cta h2 {
    font-family: 'Poppins', sans-serif;
    font-size: 2.2rem;
    margin-bottom: 12px;
}

.final-cta p {
    opacity: 0.8;
    max-width: 500px;
    margin: 0 auto 28px;
}

.final-cta .btn-primary {
    background: var(--white);
    color: var(--primary);
    box-shadow: 0 6px 20px rgba(255, 255, 255, 0.2);
}

.final-cta .btn-primary:hover {
    background: var(--secondary);
    color: var(--primary);
}

/* ---- DISCLOSURE BANNER ---- */
.disclosure-banner {
    background: rgba(11, 31, 58, 0.03);
    border-radius: var(--radius);
    padding: 14px 20px;
    font-size: 0.8rem;
    color: var(--muted);
    text-align: center;
    border: 1px solid rgba(11, 31, 58, 0.06);
}

/* ---- FOOTER ---- */
.site-footer {
    background: var(--primary);
    color: rgba(255, 255, 255, 0.8);
    padding: 48px 0 30px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
}

.footer-brand h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 1.4rem;
    color: var(--white);
    margin-bottom: 6px;
}

.footer-brand h3 span {
    color: var(--secondary);
}

.footer-brand p {
    font-size: 0.9rem;
    max-width: 260px;
    opacity: 0.7;
}

.footer-col h4 {
    color: var(--white);
    font-weight: 600;
    margin-bottom: 12px;
    font-size: 1rem;
}

.footer-col ul li {
    margin-bottom: 8px;
}

.footer-col ul a {
    font-size: 0.9rem;
    opacity: 0.7;
    transition: opacity 0.2s;
}

.footer-col ul a:hover {
    opacity: 1;
    color: var(--secondary);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 24px;
    margin-top: 32px;
    text-align: center;
    font-size: 0.8rem;
    opacity: 0.6;
}

/* ---- STICKY MOBILE CTA ---- */
.sticky-mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 12px 16px;
    box-shadow: 0 -6px 30px rgba(0, 0, 0, 0.08);
    z-index: 200;
    border-top: 1px solid rgba(11, 31, 58, 0.06);
    gap: 10px;
    align-items: center;
    justify-content: space-between;
}

.sticky-mobile-cta .btn-primary {
    padding: 10px 20px;
    font-size: 0.9rem;
    width: auto;
    flex: 1;
    text-align: center;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
    .trust-grid {
        grid-template-columns: 1fr 1fr;
    }
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .nav-links {
        display: none;
        flex-direction: column;
        background: var(--white);
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        padding: 24px;
        box-shadow: var(--shadow);
        border-radius: 0 0 var(--radius) var(--radius);
        gap: 18px;
    }
    .nav-links.open {
        display: flex;
    }
    .hamburger {
        display: flex;
    }
    .section-title {
        font-size: 1.8rem;
    }
    .cards-grid {
        grid-template-columns: 1fr;
    }
    .steps-grid {
        grid-template-columns: 1fr 1fr;
    }
    .offer-box {
        padding: 32px 20px;
    }
    .final-cta {
        padding: 40px 20px;
    }
    .final-cta h2 {
        font-size: 1.6rem;
    }
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    .trust-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 600px) {
    .sticky-mobile-cta {
        display: flex;
    }
    body {
        padding-bottom: 80px;
    }
    .btn-primary,
    .btn-secondary,
    .btn-accent {
        padding: 12px 24px;
        font-size: 0.9rem;
        width: 100%;
        text-align: center;
    }
    .container {
        padding: 0 16px;
    }
    .section {
        padding: 40px 0;
    }
}

@media (max-width: 480px) {
    .steps-grid {
        grid-template-columns: 1fr;
    }
    .hero-content h1 {
        font-size: 1.7rem;
    }
}