/* ===========================
   Global Enterprise Lending — style.css
   =========================== */

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

:root {
  --navy: #0d1b2a;
  --navy2: #1a2e45;
  --blue: #0055cc;
  --blue-light: #1a6fe0;
  --gold: #f5a623;
  --white: #ffffff;
  --gray: #6b7280;
  --light: #f9fafb;
  --border: #e5e7eb;
  --text: #1f2937;
}

body { font-family: 'Segoe UI', sans-serif; color: var(--text); line-height: 1.6; }

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

/* TOPBAR */
.topbar {
  background: var(--navy);
  color: #cdd5e0;
  font-size: 0.82rem;
  text-align: center;
  padding: 8px 16px;
}
.topbar a { color: var(--gold); font-weight: 600; }

/* HEADER / NAV */
header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.logo { font-size: 1.2rem; font-weight: 800; color: var(--navy); letter-spacing: -0.5px; }
.logo span { color: var(--blue); }
nav ul { list-style: none; display: flex; gap: 28px; }
nav ul li a { color: var(--text); font-size: 0.9rem; font-weight: 500; }
nav ul li a:hover { color: var(--blue); text-decoration: none; }
.nav-phone { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; }
.nav-phone a { color: var(--navy); font-weight: 600; }
.btn-nav {
  background: var(--blue);
  color: var(--white) !important;
  padding: 9px 18px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.85rem;
  white-space: nowrap;
}
.btn-nav:hover { background: var(--blue-light); text-decoration: none; }

/* HERO */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  color: var(--white);
  text-align: center;
  padding: 80px 24px 70px;
}
.hero h1 {
  font-size: clamp(1.8rem, 4vw, 3rem);
  font-weight: 800;
  max-width: 820px;
  margin: 0 auto 20px;
  line-height: 1.2;
  letter-spacing: -0.5px;
}
.hero h1 span { color: var(--gold); }
.hero p {
  max-width: 620px;
  margin: 0 auto 32px;
  font-size: 1.05rem;
  color: #c5d0e0;
  line-height: 1.7;
}
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 20px; }
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  padding: 15px 30px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 1rem;
  display: inline-block;
  transition: transform 0.15s, box-shadow 0.15s;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(245,166,35,0.4); text-decoration: none; }
.btn-secondary {
  background: transparent;
  color: var(--white);
  padding: 15px 28px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 1rem;
  border: 2px solid rgba(255,255,255,0.4);
  display: inline-block;
  transition: border-color 0.15s;
}
.btn-secondary:hover { border-color: var(--white); text-decoration: none; }
.hero-note { font-size: 0.82rem; color: #8fa3b8; }
.hero-note span { color: var(--gold); font-weight: 600; }

/* TRUST BAR */
.trust-bar { background: var(--navy2); padding: 16px 24px; }
.trust-bar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 24px;
}
.trust-item { display: flex; align-items: center; gap: 8px; color: #c5d0e0; font-size: 0.88rem; font-weight: 500; }
.trust-icon { font-size: 1rem; }

/* SECTIONS */
section { padding: 72px 24px; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-label {
  text-transform: uppercase;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  color: var(--blue);
  margin-bottom: 10px;
}
.section-title {
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.25;
}
.section-sub { color: var(--gray); font-size: 1rem; max-width: 600px; margin-bottom: 44px; line-height: 1.7; }

/* HOW IT WORKS */
#how { background: var(--white); }
.how-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 28px;
}
.how-card {
  background: var(--light);
  border-radius: 12px;
  padding: 28px;
  border: 1px solid var(--border);
}
.how-num {
  width: 42px; height: 42px;
  background: var(--blue);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1rem;
  margin-bottom: 16px;
}
.how-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.how-card p { font-size: 0.88rem; color: var(--gray); line-height: 1.6; }

/* PRODUCTS */
.products-bg { background: var(--light); }
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
}
.product-card {
  background: var(--white);
  border-radius: 12px;
  padding: 24px;
  border: 1px solid var(--border);
  transition: box-shadow 0.2s, transform 0.2s;
}
.product-card:hover { box-shadow: 0 8px 24px rgba(0,0,0,0.08); transform: translateY(-2px); }
.icon { font-size: 1.8rem; margin-bottom: 12px; }
.product-card h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.product-card p { font-size: 0.82rem; color: var(--gray); line-height: 1.5; margin-bottom: 10px; }
.product-range { font-size: 0.78rem; font-weight: 700; color: var(--blue); }

/* STATS */
.stats-bg { background: var(--navy); color: var(--white); }
.stats-bg .section-title { color: var(--white); }
.stats-bg .section-sub { color: #8fa3b8; }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 24px;
  text-align: center;
  margin-top: 40px;
}
.stat-num { font-size: 2.4rem; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 8px; }
.stat-label { font-size: 0.88rem; color: #8fa3b8; }

/* WHY CHOOSE US */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.why-list { list-style: none; display: flex; flex-direction: column; gap: 16px; }
.why-check { display: flex; align-items: flex-start; gap: 12px; font-size: 0.95rem; color: var(--text); }
.why-check::before { content: "✅"; flex-shrink: 0; margin-top: 2px; }
.why-cta-box {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  border-radius: 16px;
  padding: 40px 32px;
  text-align: center;
  color: var(--white);
}
.why-cta-box h3 { font-size: 1.4rem; font-weight: 800; margin-bottom: 10px; }
.why-cta-box p { color: #8fa3b8; font-size: 0.9rem; margin-bottom: 24px; }
.why-cta-phone { font-size: 1.6rem; font-weight: 800; color: var(--gold); display: block; margin-bottom: 6px; }

/* TESTIMONIALS */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border-radius: 12px;
  padding: 28px;
  border: 1px solid var(--border);
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
}
.stars { color: var(--gold); font-size: 1rem; margin-bottom: 12px; letter-spacing: 2px; }
.testimonial-card p { font-size: 0.9rem; color: var(--text); line-height: 1.7; margin-bottom: 16px; font-style: italic; }
.testimonial-author { font-weight: 700; font-size: 0.88rem; color: var(--navy); }
.testimonial-biz { font-size: 0.8rem; color: var(--gray); }

/* CTA BANNER */
.cta-banner {
  background: linear-gradient(135deg, var(--blue) 0%, #003d99 100%);
  color: var(--white);
  text-align: center;
  padding: 64px 24px;
}
.cta-banner .section-title { color: var(--white); }
.cta-banner .section-sub { color: rgba(255,255,255,0.75); margin: 0 auto 32px; }
.cta-phone { font-size: 1.5rem; font-weight: 800; color: var(--gold); display: block; margin-bottom: 8px; }
.btn-white {
  background: var(--white);
  color: var(--blue);
  padding: 14px 32px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 1rem;
  display: inline-block;
  margin-bottom: 12px;
  transition: transform 0.15s;
}
.btn-white:hover { transform: translateY(-2px); text-decoration: none; }

/* FOOTER */
footer { background: var(--navy); color: #8fa3b8; padding: 56px 24px 24px; }
.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand .logo { color: var(--white); font-size: 1.1rem; margin-bottom: 12px; display: block; }
.footer-brand p { font-size: 0.85rem; line-height: 1.7; }
.footer-col h4 { color: var(--white); font-size: 0.9rem; font-weight: 700; margin-bottom: 14px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a { color: #8fa3b8; font-size: 0.85rem; }
.footer-col ul li a:hover { color: var(--white); text-decoration: none; }
.footer-contact { font-size: 0.85rem; line-height: 2; }
.footer-contact a { color: #8fa3b8; }
.footer-contact a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  max-width: 1100px;
  margin: 0 auto;
}
.footer-legal { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal a { color: #8fa3b8; font-size: 0.8rem; }
.footer-legal a:hover { color: var(--white); }
.footer-disclaimer { font-size: 0.75rem; color: #5a6a7a; margin-top: 16px; max-width: 1100px; margin: 16px auto 0; line-height: 1.6; }

/* APPLY PAGE */
.page-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  color: var(--white);
  text-align: center;
  padding: 48px 24px;
}
.page-hero h1 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; margin-bottom: 8px; }
.page-hero p { color: #c5d0e0; font-size: 0.95rem; }

.apply-section { background: var(--light); padding: 56px 24px; min-height: calc(100vh - 200px); }
.apply-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 40px;
  align-items: start;
}
.apply-form-box {
  background: var(--white);
  border-radius: 12px;
  padding: 40px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.07);
  border: 1px solid var(--border);
}
.apply-form-box h2 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-bottom: 6px; }
.apply-form-box .sub { color: var(--gray); font-size: 0.88rem; margin-bottom: 28px; }
.apply-sidebar { position: sticky; top: 100px; }
.apply-sidebar > div {
  background: var(--white);
  border-radius: 12px;
  padding: 24px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
  border: 1px solid var(--border);
  margin-bottom: 16px;
}
.apply-sidebar h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.sidebar-list { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.sidebar-list li { font-size: 0.85rem; color: var(--gray); padding-bottom: 8px; border-bottom: 1px solid var(--border); }
.sidebar-list li:last-child { border-bottom: none; }
.sidebar-contact {
  background: linear-gradient(135deg, var(--navy), var(--navy2)) !important;
  text-align: center;
  color: var(--white);
}
.sidebar-contact h3 { color: var(--white); }
.phone { font-size: 1.3rem; font-weight: 800; color: var(--gold); display: block; margin-bottom: 4px; }
.sidebar-contact p { font-size: 0.78rem; color: #8fa3b8; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--navy); margin-bottom: 5px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 10px 14px;
  border: 1.5px solid var(--border);
  border-radius: 6px; font-size: 0.9rem;
  color: var(--text); background: var(--white);
  transition: border-color 0.2s;
  box-sizing: border-box;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--blue); }

.consent-box { background: var(--light); border-radius: 8px; padding: 14px; margin-bottom: 20px; border: 1px solid var(--border); }
.consent-text { font-size: 0.76rem; color: var(--gray); line-height: 1.5; }
.btn-submit {
  width: 100%; padding: 15px;
  background: var(--blue); color: var(--white);
  border: none; border-radius: 8px;
  font-size: 1rem; font-weight: 800;
  cursor: pointer; transition: background 0.2s, transform 0.1s;
}
.btn-submit:hover { background: var(--blue-light); transform: translateY(-1px); }
.btn-submit:disabled { background: #aaa; cursor: not-allowed; transform: none; }
.form-note { font-size: 0.76rem; color: var(--gray); text-align: center; margin-top: 10px; }

/* RESPONSIVE */
@media (max-width: 768px) {
  nav ul { display: none; }
  .nav-phone { font-size: 0.8rem; }
  .why-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero { padding: 56px 16px 48px; }
  .hero-btns { flex-direction: column; align-items: center; }
}