/* ============================================
   PALM BEACH BUSINESS CAPITAL - Main Stylesheet
   ============================================ */

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

:root {
  --navy:   #0a2342;
  --gold:   #c9a84c;
  --gold-light: #e8c96e;
  --white:  #ffffff;
  --light:  #f5f7fa;
  --gray:   #6b7280;
  --dark:   #1a1a2e;
  --green:  #16a34a;
  --red:    #dc2626;
  --shadow: 0 4px 24px rgba(10,35,66,0.12);
  --radius: 10px;
  --font:   'Inter', 'Segoe UI', Arial, sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--dark);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
}

a { color: var(--gold); text-decoration: none; transition: color .2s; }
a:hover { color: var(--gold-light); }

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

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

/* --- Typography --- */
h1, h2, h3, h4 { font-weight: 700; line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p  { margin-bottom: 1rem; color: #374151; }

/* --- Utility --- */
.text-center { text-align: center; }
.text-gold   { color: var(--gold); }
.text-navy   { color: var(--navy); }
.bg-navy     { background: var(--navy); }
.bg-light    { background: var(--light); }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mb-2 { margin-bottom: 1rem; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }

/* --- Buttons --- */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: all .2s;
  border: 2px solid transparent;
  text-align: center;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-light);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-lg { padding: 18px 44px; font-size: 1.1rem; }

/* ============================================
   NAVIGATION
   ============================================ */
.navbar {
  background: var(--navy);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(0,0,0,0.2);
}
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.3px;
}
.navbar-brand span { color: var(--gold); }
.navbar-logo-icon {
  width: 38px;
  height: 38px;
  background: var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 900;
  color: var(--navy);
}
.nav-links {
  display: flex;
  list-style: none;
  gap: 32px;
  align-items: center;
}
.nav-links a {
  color: rgba(255,255,255,0.85);
  font-weight: 500;
  font-size: .95rem;
  transition: color .2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-cta { margin-left: 16px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 25px;
  height: 2px;
  background: var(--white);
  transition: all .3s;
}

/* ============================================
   HERO
   ============================================ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0d3060 60%, #1a4a8a 100%);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: .85rem;
  font-weight: 600;
  margin-bottom: 20px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold); }
.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat strong {
  display: block;
  font-size: 1.8rem;
  color: var(--gold);
  font-weight: 800;
}
.hero-stat span {
  font-size: .85rem;
  color: rgba(255,255,255,0.65);
}

/* Hero Form Card */
.hero-form-card {
  background: var(--white);
  border-radius: 16px;
  padding: 36px 32px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.hero-form-card h3 {
  color: var(--navy);
  font-size: 1.4rem;
  margin-bottom: 6px;
}
.hero-form-card .sub {
  color: var(--gray);
  font-size: .9rem;
  margin-bottom: 24px;
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: var(--light);
  padding: 24px 0;
  border-bottom: 1px solid #e5e7eb;
}
.trust-items {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
}
.trust-icon {
  width: 36px;
  height: 36px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1rem;
}

/* ============================================
   LOAN PRODUCTS
   ============================================ */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
  margin-top: 48px;
}
.product-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: all .3s;
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .3s;
}
.product-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-4px);
  border-color: var(--gold);
}
.product-card:hover::before { transform: scaleX(1); }
.product-icon {
  width: 52px;
  height: 52px;
  background: rgba(201,168,76,0.12);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.product-card h3 { color: var(--navy); margin-bottom: 10px; }
.product-card p { font-size: .95rem; color: var(--gray); margin-bottom: 16px; }
.product-meta {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.product-tag {
  background: var(--light);
  color: var(--navy);
  padding: 4px 12px;
  border-radius: 50px;
  font-size: .8rem;
  font-weight: 600;
}

/* ============================================
   QUALIFICATION SECTION
   ============================================ */
.qualify-section {
  background: linear-gradient(135deg, var(--navy), #0d3060);
  color: var(--white);
}
.qualify-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.qualify-list { list-style: none; margin: 24px 0; }
.qualify-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-size: .95rem;
  color: rgba(255,255,255,0.85);
}
.qualify-list li:last-child { border-bottom: none; }
.qualify-check {
  width: 22px;
  height: 22px;
  background: var(--green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: .75rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.qualify-x {
  width: 22px;
  height: 22px;
  background: var(--red);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: .75rem;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ============================================
   PROCESS STEPS
   ============================================ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
  margin-top: 48px;
  position: relative;
}
.step-card {
  text-align: center;
  padding: 32px 20px;
}
.step-number {
  width: 60px;
  height: 60px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 800;
  margin: 0 auto 20px;
}
.step-card h3 { color: var(--navy); margin-bottom: 10px; }
.step-card p { font-size: .9rem; color: var(--gray); }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
  margin-top: 48px;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
}
.stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 14px; }
.testimonial-card blockquote {
  font-style: italic;
  color: #374151;
  margin-bottom: 20px;
  font-size: .95rem;
  line-height: 1.7;
  border: none;
  padding: 0;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-weight: 700;
  font-size: 1rem;
}
.author-info strong { display: block; font-size: .9rem; color: var(--navy); }
.author-info span { font-size: .8rem; color: var(--gray); }

/* ============================================
   LEAD FORM (Full Page)
   ============================================ */
.form-section { background: var(--light); }
.form-wrapper {
  max-width: 720px;
  margin: 0 auto;
  background: var(--white);
  border-radius: 16px;
  padding: 48px 48px;
  box-shadow: var(--shadow);
}
.form-header { text-align: center; margin-bottom: 36px; }
.form-header h2 { color: var(--navy); }
.form-header p { color: var(--gray); }

.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
label {
  display: block;
  font-weight: 600;
  font-size: .9rem;
  color: var(--navy);
  margin-bottom: 6px;
}
label .req { color: var(--red); margin-left: 2px; }
input, select, textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid #d1d5db;
  border-radius: 8px;
  font-size: .95rem;
  font-family: var(--font);
  color: var(--dark);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
  appearance: none;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}
textarea { resize: vertical; min-height: 100px; }
select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }

.form-disclaimer {
  font-size: .8rem;
  color: var(--gray);
  text-align: center;
  margin-top: 16px;
  line-height: 1.5;
}
.form-submit { width: 100%; font-size: 1.1rem; padding: 16px; margin-top: 8px; }

/* Progress bar */
.progress-bar-wrap {
  background: #e5e7eb;
  border-radius: 50px;
  height: 6px;
  margin-bottom: 32px;
  overflow: hidden;
}
.progress-bar-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 50px;
  transition: width .4s ease;
}
.progress-label {
  display: flex;
  justify-content: space-between;
  font-size: .8rem;
  color: var(--gray);
  margin-bottom: 8px;
}

/* Form steps */
.form-step { display: none; }
.form-step.active { display: block; }
.step-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 24px; }
.btn-prev { background: none; border: 1.5px solid #d1d5db; color: var(--gray); padding: 10px 24px; border-radius: 6px; cursor: pointer; font-weight: 600; transition: all .2s; }
.btn-prev:hover { border-color: var(--navy); color: var(--navy); }
.btn-next { background: var(--navy); color: var(--white); border: none; padding: 12px 28px; border-radius: 6px; cursor: pointer; font-weight: 700; font-size: .95rem; transition: all .2s; }
.btn-next:hover { background: #0d3060; transform: translateY(-1px); }

/* Success message */
.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}
.success-icon {
  width: 80px;
  height: 80px;
  background: var(--green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  margin: 0 auto 24px;
  color: white;
}

/* ============================================
   FAQ
   ============================================ */
.faq-list { max-width: 760px; margin: 48px auto 0; }
.faq-item {
  border: 1px solid #e5e7eb;
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 20px 24px;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background .2s;
}
.faq-question:hover { background: var(--light); }
.faq-question .icon { font-size: 1.2rem; transition: transform .3s; color: var(--gold); }
.faq-question.open .icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease;
  padding: 0 24px;
  color: var(--gray);
  font-size: .95rem;
  line-height: 1.7;
}
.faq-answer.open { max-height: 300px; padding: 0 24px 20px; }

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--dark);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 800;
  margin-bottom: 16px;
}
.footer-brand span { color: var(--gold); }
.footer-desc { font-size: .9rem; line-height: 1.7; margin-bottom: 20px; }
.footer h4 { color: var(--white); font-size: .95rem; margin-bottom: 16px; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,0.6); font-size: .9rem; transition: color .2s; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: .85rem;
}
.footer-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-weight: 700;
  font-size: 1.1rem;
  margin-top: 8px;
}

/* ============================================
   STICKY CTA BAR (mobile)
   ============================================ */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy);
  padding: 12px 20px;
  z-index: 999;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
  gap: 12px;
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 900px) {
  .hero-grid, .qualify-grid { grid-template-columns: 1fr; }
  .hero { padding: 60px 0; }
  .hero-form-card { margin-top: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 70px;
    left: 0; right: 0;
    background: var(--navy);
    padding: 20px 24px;
    gap: 16px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.2);
  }
  .sticky-cta { display: flex; }
  .form-row { grid-template-columns: 1fr; }
  .form-wrapper { padding: 32px 24px; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-stats { flex-wrap: wrap; gap: 20px; }
  .trust-items { gap: 24px; }
  .form-wrapper { padding: 24px 16px; }
}