/* ========================================
   Elk Lending - Modern Clean Design
   Soft, Eye-Comfortable Theme
   ======================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
    --primary: #059669;
    --primary-light: #10B981;
    --primary-dark: #047857;
    --primary-soft: #D1FAE5;
    
    --accent: #F59E0B;
    --accent-light: #FCD34D;
    --accent-soft: #FEF3C7;
    
    --text-dark: #1F2937;
    --text-medium: #4B5563;
    --text-light: #9CA3AF;
    
    --bg-white: #FFFFFF;
    --bg-light: #F9FAFB;
    --bg-soft: #F3F4F6;
    --bg-green-soft: #ECFDF5;
    
    --border-light: #E5E7EB;
    
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -1px rgba(0,0,0,0.04);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -2px rgba(0,0,0,0.04);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.08), 0 10px 10px -5px rgba(0,0,0,0.03);
    
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 16px;
    line-height: 1.7;
    color: var(--text-medium);
    background: var(--bg-white);
    -webkit-font-smoothing: antialiased;
}

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

h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.3;
    color: var(--text-dark);
    letter-spacing: -0.02em;
}
h1 { font-size: 3rem; margin-bottom: 1.5rem; }
h2 { font-size: 2.25rem; margin-bottom: 1rem; }
h3 { font-size: 1.5rem; margin-bottom: 0.75rem; }
h4 { font-size: 1.25rem; margin-bottom: 0.5rem; }
p { margin-bottom: 1rem; color: var(--text-medium); }
a { color: var(--primary); text-decoration: none; transition: all 0.2s ease; }
a:hover { color: var(--primary-dark); }
strong { color: var(--primary); font-weight: 600; }

/* HEADER */
.header {
    background: var(--bg-white);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid var(--border-light);
}

.header-top {
    background: var(--bg-soft);
    padding: 10px 0;
    font-size: 0.875rem;
    color: var(--text-medium);
}

.header-top-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.header-top a { color: var(--primary); font-weight: 500; }
.header-main { padding: 16px 0; }

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

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--primary);
    font-size: 1.5rem;
    font-weight: 800;
}

.logo-icon { font-size: 2rem; }
.nav { display: flex; align-items: center; gap: 4px; }

.nav a {
    color: var(--text-medium);
    padding: 10px 16px;
    border-radius: var(--radius-full);
    font-weight: 500;
    font-size: 0.9375rem;
}

.nav a:hover { color: var(--primary); background: var(--bg-green-soft); }
.nav a.active { color: var(--primary); background: var(--bg-green-soft); }

.nav-cta {
    background: var(--primary) !important;
    color: white !important;
    padding: 10px 24px !important;
    font-weight: 600 !important;
    box-shadow: var(--shadow-md);
}

.nav-cta:hover {
    background: var(--primary-dark) !important;
    transform: translateY(-1px);
}

.mobile-menu {
    display: none;
    background: none;
    border: none;
    color: var(--text-dark);
    font-size: 1.5rem;
    cursor: pointer;
    padding: 8px;
}

/* APPLY SECTION */
.apply-section {
    background: linear-gradient(135deg, var(--bg-green-soft) 0%, var(--bg-white) 50%, var(--accent-soft) 100%);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.apply-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, var(--primary-soft) 0%, transparent 70%);
    border-radius: 50%;
    opacity: 0.5;
}

.apply-section .container { position: relative; z-index: 1; }

.apply-section h1 {
    color: var(--text-dark);
    font-size: 2.75rem;
    text-align: center;
    margin-bottom: 12px;
}

.apply-section .subtitle {
    color: var(--text-medium);
    font-size: 1.25rem;
    text-align: center;
    margin-bottom: 32px;
}

.apply-features {
    display: flex;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 40px;
}

.apply-feature {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--text-dark);
    font-weight: 500;
    font-size: 0.9375rem;
    background: var(--bg-white);
    padding: 10px 20px;
    border-radius: var(--radius-full);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
}

.apply-feature-icon {
    width: 24px;
    height: 24px;
    background: var(--primary-soft);
    color: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.75rem;
    font-weight: 700;
}

.form-container {
    max-width: 720px;
    margin: 0 auto;
    background: var(--bg-white);
    border-radius: var(--radius-xl);
    padding: 48px;
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border-light);
}

.form-container h2 {
    color: var(--text-dark);
    font-size: 1.75rem;
    margin-bottom: 8px;
    text-align: center;
}

.form-container > p { text-align: center; color: var(--text-light); }
#_lg_form_ { min-height: 400px; }

.secure-badge {
    display: flex;
    justify-content: center;
    gap: 16px;
    margin-top: 32px;
    flex-wrap: wrap;
}

.secure-badge span {
    color: var(--text-medium);
    font-size: 0.875rem;
    font-weight: 500;
}

/* TRUST BAR */
.trust-bar {
    background: var(--bg-white);
    padding: 24px 0;
    border-bottom: 1px solid var(--border-light);
}

.trust-items {
    display: flex;
    justify-content: center;
    gap: 48px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--text-medium);
    font-weight: 500;
}

.trust-icon { font-size: 1.25rem; color: var(--primary); }

/* SECTIONS */
section { padding: 80px 0; }

.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 56px;
}

.section-label {
    display: inline-block;
    background: var(--primary-soft);
    color: var(--primary);
    padding: 6px 16px;
    border-radius: var(--radius-full);
    font-size: 0.8125rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 16px;
}

.section-alt { background: var(--bg-light); }
.section-green { background: var(--bg-green-soft); }

/* BUTTONS */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: var(--radius-full);
    font-weight: 600;
    font-size: 1rem;
    transition: all 0.2s ease;
    border: none;
    cursor: pointer;
}

.btn-primary {
    background: var(--primary);
    color: white;
    box-shadow: var(--shadow-md);
}

.btn-primary:hover {
    background: var(--primary-dark);
    color: white;
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-accent {
    background: var(--accent);
    color: var(--text-dark);
    box-shadow: var(--shadow-md);
}

.btn-accent:hover {
    background: var(--accent-light);
    transform: translateY(-2px);
}

.btn-outline {
    background: transparent;
    border: 2px solid var(--primary);
    color: var(--primary);
}

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

.btn-white {
    background: var(--bg-white);
    color: var(--primary);
    box-shadow: var(--shadow-md);
}

/* CARDS */
.card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
    transition: all 0.3s ease;
}

.card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-xl);
    border-color: var(--primary-soft);
}

.card-icon {
    width: 56px;
    height: 56px;
    background: var(--bg-green-soft);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 20px;
}

/* GRIDS */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* EXPERT CARD */
.expert-card {
    display: flex;
    gap: 24px;
    background: var(--bg-white);
    padding: 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
    max-width: 800px;
    margin: 0 auto;
}

.expert-avatar {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.75rem;
    font-weight: 700;
    flex-shrink: 0;
}

.expert-info h4 { margin-bottom: 4px; }
.expert-title { color: var(--primary); font-weight: 500; font-size: 0.9375rem; margin-bottom: 12px; }

.expert-credentials {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: 16px;
}

.eeat-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--bg-soft);
    color: var(--text-medium);
    padding: 6px 12px;
    border-radius: var(--radius-full);
    font-size: 0.8125rem;
    font-weight: 500;
}

/* STEPS */
.step {
    display: flex;
    gap: 20px;
    padding: 28px;
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
}

.step:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

.step-number {
    width: 48px;
    height: 48px;
    background: var(--primary);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    font-weight: 700;
    flex-shrink: 0;
}

.step-content h4 { margin-bottom: 6px; }

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

.stat-item {
    text-align: center;
    padding: 32px 24px;
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
}

.stat-number {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
    margin-bottom: 8px;
}

.stat-label { color: var(--text-medium); font-size: 0.9375rem; font-weight: 500; }

/* REVIEWS */
.review-card {
    background: var(--bg-white);
    padding: 28px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
}

.review-stars { color: var(--accent); font-size: 1.125rem; margin-bottom: 16px; }
.review-text { font-size: 1rem; line-height: 1.7; margin-bottom: 20px; }
.review-author { font-weight: 600; color: var(--text-dark); margin-bottom: 2px; }
.review-location { font-size: 0.875rem; color: var(--text-light); }

/* FAQ */
.faq-item {
    background: var(--bg-white);
    border-radius: var(--radius-md);
    margin-bottom: 12px;
    border: 1px solid var(--border-light);
}

.faq-question {
    padding: 20px 24px;
    font-weight: 600;
    color: var(--text-dark);
}

.faq-answer { padding: 0 24px 20px; color: var(--text-medium); }

/* CTA SECTION */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    padding: 80px 0;
    text-align: center;
}

.cta-section h2 { color: white; font-size: 2.25rem; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,0.9); font-size: 1.125rem; max-width: 500px; margin: 0 auto 32px; }

/* FOOTER */
.footer {
    background: var(--text-dark);
    color: rgba(255,255,255,0.7);
    padding: 64px 0 32px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 48px;
}

.footer-brand { max-width: 280px; }
.footer-logo { color: white; font-size: 1.5rem; font-weight: 800; margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.footer h4 { color: white; margin-bottom: 20px; font-size: 1rem; font-weight: 600; }
.footer ul { list-style: none; }
.footer li { margin-bottom: 12px; }
.footer a { color: rgba(255,255,255,0.7); font-size: 0.9375rem; }
.footer a:hover { color: var(--accent-light); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 32px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.875rem;
}

/* UTILITIES */
.breadcrumb { background: var(--bg-soft); padding: 12px 0; font-size: 0.875rem; }
.breadcrumb a { color: var(--primary); }
.breadcrumb span { color: var(--text-light); margin: 0 8px; }

.page-header {
    background: linear-gradient(135deg, var(--bg-green-soft) 0%, var(--bg-white) 100%);
    padding: 64px 0;
    text-align: center;
}

.page-header h1 { color: var(--text-dark); margin-bottom: 12px; }
.page-header p { color: var(--text-medium); font-size: 1.125rem; max-width: 560px; margin: 0 auto; }

.highlight-box {
    background: var(--bg-green-soft);
    border-left: 4px solid var(--primary);
    padding: 24px;
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    margin: 24px 0;
}

.highlight-box h4 { color: var(--primary); margin-bottom: 8px; }

.warning-box {
    background: var(--accent-soft);
    border-left: 4px solid var(--accent);
    padding: 24px;
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    margin: 24px 0;
}

.last-updated {
    background: var(--bg-soft);
    padding: 12px 20px;
    border-radius: var(--radius-md);
    font-size: 0.875rem;
    color: var(--text-light);
    margin-bottom: 32px;
}

.page-layout { display: grid; grid-template-columns: 1fr 320px; gap: 40px; }
.sidebar { position: sticky; top: 100px; height: fit-content; }

.sidebar-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
    margin-bottom: 20px;
}

.sidebar-card h4 { margin-bottom: 16px; padding-bottom: 12px; border-bottom: 2px solid var(--bg-green-soft); }

/* Tables */
.table-wrapper { overflow-x: auto; margin: 24px 0; }
table { width: 100%; border-collapse: collapse; }
th, td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--border-light); }
th { background: var(--primary); color: white; font-weight: 600; }
tr:hover { background: var(--bg-soft); }

/* MOBILE */
@media (max-width: 1024px) {
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .page-layout { grid-template-columns: 1fr; }
    .sidebar { position: static; }
}

@media (max-width: 768px) {
    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
    section { padding: 56px 0; }
    .header-top { display: none; }
    
    .nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--bg-white);
        flex-direction: column;
        padding: 16px;
        box-shadow: var(--shadow-lg);
    }
    
    .nav.nav-open { display: flex; }
    .nav a { padding: 14px 20px; border-radius: var(--radius-md); }
    .mobile-menu { display: block; }
    .apply-section { padding: 48px 0; }
    .apply-section h1 { font-size: 2rem; }
    .form-container { padding: 28px 20px; }
    .grid-2, .grid-3 { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .expert-card { flex-direction: column; text-align: center; }
    .expert-avatar { margin: 0 auto; }
    .expert-credentials { justify-content: center; }
    .trust-items { gap: 24px; }
    .footer-grid { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; gap: 16px; text-align: center; }
}

/* Hero for other pages */
.hero {
    background: linear-gradient(135deg, var(--bg-green-soft) 0%, var(--bg-white) 100%);
    padding: 80px 0;
}

.hero-content {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 60px;
    align-items: center;
}

.hero-subtitle { font-size: 1.25rem; color: var(--text-medium); margin-bottom: 2rem; }

.hero-features {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 2rem;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--bg-white);
    padding: 10px 18px;
    border-radius: var(--radius-full);
    font-size: 0.9375rem;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
}

.hero-feature-icon { color: var(--primary); }

.hero-box {
    background: var(--bg-white);
    padding: 40px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    text-align: center;
    border: 1px solid var(--border-light);
}

.hero-box h3 { color: var(--text-dark); margin-bottom: 1rem; }

@media (max-width: 768px) {
    .hero-content { grid-template-columns: 1fr; text-align: center; }
    .hero-features { justify-content: center; }
    .hero-box { margin-top: 30px; }
}