/* ── Reset & Base ──────────────────────────────────────────────────────────── */

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

:root {
  --color-primary: #0b1d3a;
  --color-primary-light: #132d5e;
  --color-accent: #c8a456;
  --color-accent-hover: #b8933e;
  --color-text: #333333;
  --color-text-light: #666666;
  --color-text-inverse: #ffffff;
  --color-bg: #ffffff;
  --color-bg-light: #f7f8fa;
  --color-bg-dark: #0b1d3a;
  --color-border: #e2e5ea;
  --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --container-width: 1200px;
  --header-height: 80px;
  --transition: 0.3s ease;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-family);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-text);
  background-color: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

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

ul {
  list-style: none;
}

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

/* ── Container ────────────────────────────────────────────────────────────── */

.container {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Buttons ──────────────────────────────────────────────────────────────── */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-family);
  font-weight: 600;
  font-size: 15px;
  border: 2px solid transparent;
  border-radius: 6px;
  cursor: pointer;
  transition: all var(--transition);
  padding: 12px 28px;
  gap: 8px;
}

.btn--primary {
  background-color: var(--color-accent);
  color: var(--color-primary);
  border-color: var(--color-accent);
}

.btn--primary:hover {
  background-color: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
}

.btn--outline {
  background-color: transparent;
  color: var(--color-text-inverse);
  border-color: var(--color-text-inverse);
}

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

.btn--sm {
  padding: 8px 20px;
  font-size: 14px;
}

.btn--lg {
  padding: 16px 36px;
  font-size: 16px;
}

.btn--full {
  width: 100%;
}

/* ── Section Header ───────────────────────────────────────────────────────── */

.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-header__subtitle {
  color: var(--color-accent);
  font-weight: 600;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 12px;
}

.section-header__title {
  font-size: 36px;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.2;
}

/* ── Header ───────────────────────────────────────────────────────────────── */

.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--header-height);
  background-color: var(--color-bg);
  z-index: 1000;
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--transition);
}

.header--scrolled {
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.logo {
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.5px;
}

.logo__dream {
  color: var(--color-primary);
}

.logo__lending {
  color: var(--color-accent);
}

.nav__list {
  display: flex;
  gap: 32px;
}

.nav__link {
  font-size: 15px;
  font-weight: 500;
  color: var(--color-text);
  transition: color var(--transition);
  position: relative;
}

.nav__link:hover {
  color: var(--color-accent);
}

.nav__link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--color-accent);
  transition: width var(--transition);
}

.nav__link:hover::after {
  width: 100%;
}

.header__actions {
  display: flex;
  align-items: center;
  gap: 20px;
}

.header__phone {
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 15px;
  color: var(--color-primary);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.hamburger span {
  width: 24px;
  height: 2px;
  background-color: var(--color-primary);
  transition: all var(--transition);
}

/* ── Hero ─────────────────────────────────────────────────────────────────── */

.hero {
  position: relative;
  min-height: 700px;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
  padding-top: var(--header-height);
  overflow: hidden;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero__inner {
  position: relative;
  z-index: 1;
  padding: 80px 0;
}

.hero__content {
  max-width: 700px;
}

.hero__subtitle {
  color: var(--color-accent);
  font-weight: 600;
  font-size: 16px;
  text-transform: uppercase;
  letter-spacing: 3px;
  margin-bottom: 16px;
}

.hero__title {
  font-size: 56px;
  font-weight: 800;
  color: var(--color-text-inverse);
  line-height: 1.1;
  margin-bottom: 20px;
}

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

.hero__text {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 32px;
  max-width: 540px;
}

.hero__rates {
  display: flex;
  gap: 20px;
  margin-bottom: 40px;
}

.hero__rate-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 12px;
  padding: 20px 28px;
}

.hero__rate-label {
  display: block;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 4px;
}

.hero__rate-value {
  font-size: 32px;
  font-weight: 800;
  color: var(--color-accent);
}

.hero__rate-unit {
  font-size: 16px;
  font-weight: 600;
}

.hero__cta {
  display: flex;
  gap: 16px;
}

/* ── Services ─────────────────────────────────────────────────────────────── */

.services {
  padding: 100px 0;
  background-color: var(--color-bg);
}

.services__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.service-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 12px;
  padding: 36px 28px;
  transition: all var(--transition);
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.08);
  border-color: var(--color-accent);
}

.service-card__icon {
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-bg-light);
  border-radius: 12px;
  margin-bottom: 20px;
  color: var(--color-accent);
}

.service-card__title {
  font-size: 20px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.service-card__text {
  font-size: 15px;
  color: var(--color-text-light);
  line-height: 1.6;
}

/* ── Process ──────────────────────────────────────────────────────────────── */

.process {
  padding: 100px 0;
  background-color: var(--color-bg-light);
}

.process__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.process-step {
  text-align: center;
  padding: 20px;
  position: relative;
}

.process-step__number {
  font-size: 48px;
  font-weight: 800;
  color: var(--color-accent);
  opacity: 0.3;
  margin-bottom: 16px;
  line-height: 1;
}

.process-step__title {
  font-size: 20px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.process-step__text {
  font-size: 15px;
  color: var(--color-text-light);
  line-height: 1.6;
}

/* ── Stats ────────────────────────────────────────────────────────────────── */

.stats {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
}

.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  text-align: center;
}

.stat__value {
  display: block;
  font-size: 48px;
  font-weight: 800;
  color: var(--color-accent);
  margin-bottom: 8px;
}

.stat__label {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.8);
  font-weight: 500;
}

/* ── About ────────────────────────────────────────────────────────────────── */

.about {
  padding: 100px 0;
  background-color: var(--color-bg);
}

.about__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about__content .section-header__subtitle,
.about__content .section-header__title {
  text-align: left;
}

.about__content .section-header__title {
  margin-bottom: 20px;
}

.about__text {
  color: var(--color-text-light);
  font-size: 16px;
  margin-bottom: 28px;
  line-height: 1.7;
}

.about__list {
  margin-bottom: 32px;
}

.about__list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  font-size: 15px;
  color: var(--color-text);
  font-weight: 500;
}

.about__list li svg {
  color: var(--color-accent);
  flex-shrink: 0;
}

.about__visual {
  display: flex;
  justify-content: center;
}

.about__card {
  background: var(--color-bg-light);
  border-radius: 16px;
  padding: 48px 36px;
  text-align: center;
  max-width: 380px;
  border: 1px solid var(--color-border);
}

.about__card-icon {
  color: var(--color-accent);
  margin-bottom: 20px;
}

.about__card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 12px;
}

.about__card p {
  color: var(--color-text-light);
  font-size: 15px;
  line-height: 1.6;
}

/* ── Testimonials ─────────────────────────────────────────────────────────── */

.testimonials {
  padding: 100px 0;
  background-color: var(--color-bg-light);
}

.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.testimonial-card {
  background: var(--color-bg);
  border-radius: 12px;
  padding: 36px;
  border: 1px solid var(--color-border);
  transition: all var(--transition);
}

.testimonial-card:hover {
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.06);
}

.testimonial-card__stars {
  color: var(--color-accent);
  font-size: 20px;
  margin-bottom: 16px;
  letter-spacing: 2px;
}

.testimonial-card__text {
  font-size: 15px;
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-card__name {
  display: block;
  font-weight: 700;
  color: var(--color-primary);
  font-size: 15px;
}

.testimonial-card__role {
  font-size: 13px;
  color: var(--color-text-light);
}

/* ── Contact ──────────────────────────────────────────────────────────────── */

.contact {
  padding: 100px 0;
  background-color: var(--color-bg);
}

.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
}

.contact__info .section-header__subtitle,
.contact__info .section-header__title {
  text-align: left;
}

.contact__info .section-header__title {
  margin-bottom: 20px;
}

.contact__text {
  color: var(--color-text-light);
  font-size: 16px;
  margin-bottom: 32px;
  line-height: 1.7;
}

.contact__details {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact__detail {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--color-text);
  font-weight: 500;
}

.contact__detail svg {
  color: var(--color-accent);
  flex-shrink: 0;
}

.contact__form-wrapper {
  background: var(--color-bg-light);
  border-radius: 16px;
  padding: 40px;
  border: 1px solid var(--color-border);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-family);
  font-size: 15px;
  border: 1px solid var(--color-border);
  border-radius: 8px;
  background: var(--color-bg);
  color: var(--color-text);
  transition: border-color var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-accent);
}

.form-group textarea {
  resize: vertical;
}

/* ── Footer ───────────────────────────────────────────────────────────────── */

.footer {
  background-color: var(--color-bg-dark);
  padding: 80px 0 0;
  color: rgba(255, 255, 255, 0.7);
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 60px;
}

.footer .logo {
  display: inline-block;
  margin-bottom: 16px;
}

.footer .logo__dream {
  color: var(--color-text-inverse);
}

.footer__tagline {
  font-size: 15px;
  margin-bottom: 20px;
  line-height: 1.6;
}

.footer__social {
  display: flex;
  gap: 16px;
}

.footer__social a {
  color: rgba(255, 255, 255, 0.6);
  transition: color var(--transition);
}

.footer__social a:hover {
  color: var(--color-accent);
}

.footer__links h4 {
  color: var(--color-text-inverse);
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 20px;
}

.footer__links ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer__links a {
  font-size: 14px;
  transition: color var(--transition);
}

.footer__links a:hover {
  color: var(--color-accent);
}

.footer__links li {
  font-size: 14px;
}

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 24px 0;
  text-align: center;
}

.footer__bottom p {
  font-size: 14px;
}

.footer__disclaimer {
  margin-top: 8px;
  font-size: 12px !important;
  opacity: 0.6;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}

/* ── Responsive ───────────────────────────────────────────────────────────── */

@media (max-width: 1024px) {
  .services__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .stats__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
  }

  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 64px;
  }

  .nav {
    display: none;
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    background: var(--color-bg);
    border-bottom: 1px solid var(--color-border);
    padding: 24px;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
  }

  .nav--open {
    display: block;
  }

  .nav__list {
    flex-direction: column;
    gap: 16px;
  }

  .nav__link {
    font-size: 18px;
  }

  .hamburger {
    display: flex;
  }

  .header__phone {
    display: none;
  }

  .header__actions .btn {
    display: none;
  }

  .hero {
    min-height: auto;
    padding-top: calc(var(--header-height) + 40px);
    padding-bottom: 60px;
  }

  .hero__title {
    font-size: 36px;
  }

  .hero__rates {
    flex-direction: column;
  }

  .hero__cta {
    flex-direction: column;
  }

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

  .section-header__title {
    font-size: 28px;
  }

  .services__grid,
  .process__grid {
    grid-template-columns: 1fr;
  }

  .stats__grid {
    grid-template-columns: 1fr 1fr;
    gap: 30px;
  }

  .about__inner {
    grid-template-columns: 1fr;
  }

  .about__content .section-header__subtitle,
  .about__content .section-header__title {
    text-align: center;
  }

  .testimonials__grid {
    grid-template-columns: 1fr;
  }

  .contact__inner {
    grid-template-columns: 1fr;
  }

  .contact__info .section-header__subtitle,
  .contact__info .section-header__title {
    text-align: center;
  }

  .contact__text {
    text-align: center;
  }

  .contact__details {
    align-items: center;
    margin-bottom: 20px;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .footer__social {
    justify-content: center;
  }
}