/* ═══════════════════════════════════════════════════════════
   APRICOT STONE ADVISORY — Shared Styles
   Loan Consultancy | Singapore
   ═══════════════════════════════════════════════════════════ */

/* ── CSS Custom Properties ────────────────────────────────── */
:root {
  --navy: #1B2D45;
  --navy-dark: #0F1D2F;
  --navy-light: #243B53;
  --gold: #D4A843;
  --gold-light: #E8C36A;
  --gold-muted: #B8943C;
  --white: #FFFFFF;
  --off-white: #F8F9FA;
  --gray-100: #F1F3F5;
  --gray-200: #E9ECEF;
  --gray-400: #ADB5BD;
  --gray-600: #6C757D;
  --text-dark: #1A1A2E;
  --text-light: #F0F0F0;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 20px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.12);
  --transition: 0.3s ease;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-dark);
  background: var(--white);
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: color var(--transition); }
ul, ol { list-style: none; }

h1, h2, h3, h4, h5, h6 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy-dark);
}

h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 3vw, 1.6rem); }
h4 { font-size: 1.2rem; }

p { margin-bottom: 1rem; color: var(--gray-600); }

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

/* ── Navigation ───────────────────────────────────────────── */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 20px 0;
  transition: all var(--transition);
  background: transparent;
}

.nav.scrolled {
  background: var(--navy-dark);
  padding: 12px 0;
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.nav-logo img {
  height: 72px;
  width: auto;
  object-fit: contain;
  border-radius: 6px;
  transition: height var(--transition);
}

.nav.scrolled .nav-logo img {
  height: 48px;
}

/* Bank logo wordmarks in trust bar */
.trust-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

.bank-logo {
  height: 36px;
  max-width: 120px;
  object-fit: contain;
  opacity: 1;
  filter: grayscale(0%);
  transition: all var(--transition);
}

.bank-logo:hover {
  opacity: 1;
  filter: grayscale(0%);
}

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

.nav-links a {
  color: var(--text-light);
  font-size: 0.95rem;
  font-weight: 500;
  position: relative;
  opacity: 0.85;
  transition: opacity var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  opacity: 1;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy-dark) !important;
  padding: 10px 24px !important;
  border-radius: 50px !important;
  font-weight: 600 !important;
  opacity: 1 !important;
  transition: background var(--transition), transform var(--transition) !important;
}

.nav-cta::after { display: none !important; }

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

/* Mobile Menu */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--text-light);
  transition: all var(--transition);
}

.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}

.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 4px 15px rgba(212,168,67,0.4);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.3);
}

.btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

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

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-sm {
  padding: 10px 24px;
  font-size: 0.9rem;
}

/* ── Hero Section ─────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  overflow: hidden;
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  opacity: 0.05;
  background-image:
    radial-gradient(circle at 20% 50%, var(--gold) 1px, transparent 1px),
    radial-gradient(circle at 80% 20%, var(--gold) 1px, transparent 1px),
    radial-gradient(circle at 60% 80%, var(--gold) 1px, transparent 1px);
  background-size: 60px 60px, 80px 80px, 40px 40px;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 720px;
  padding: 120px 0 80px;
}

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,168,67,0.15);
  color: var(--gold);
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 24px;
  letter-spacing: 0.5px;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}

.hero h1 .gold { color: var(--gold); }

.hero p {
  color: rgba(255,255,255,0.7);
  font-size: 1.15rem;
  max-width: 560px;
  margin-bottom: 36px;
}

.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  gap: 48px;
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stat h3 {
  color: var(--gold);
  font-size: 2rem;
  margin-bottom: 4px;
}

.hero-stat p {
  color: rgba(255,255,255,0.5);
  font-size: 0.85rem;
  margin: 0;
}

/* Page Hero (inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 140px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero .hero-bg-pattern { position: absolute; inset: 0; }

.page-hero h1 {
  color: var(--white);
  position: relative;
  z-index: 2;
  margin-bottom: 16px;
}

.page-hero p {
  color: rgba(255,255,255,0.6);
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

/* ── Sections ─────────────────────────────────────────────── */
section {
  padding: 100px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 60px;
}

.section-label {
  display: inline-block;
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 12px;
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-header p {
  font-size: 1.05rem;
}

.bg-light { background: var(--off-white); }
.bg-navy {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
}
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.bg-navy p { color: rgba(255,255,255,0.6); }
.bg-navy .section-label { color: var(--gold); }

/* ── Trust Bar ────────────────────────────────────────────── */
.trust-bar {
  padding: 60px 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
}

.trust-bar p {
  text-align: center;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--gray-400);
  margin-bottom: 32px;
}

/* (trust-logos now defined above with bank-logo styles) */

/* ── Cards ────────────────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  border: 1px solid var(--gray-200);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-muted);
}

.card-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
  font-size: 1.5rem;
}

.card h3 {
  margin-bottom: 12px;
}

.card p {
  font-size: 0.95rem;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold-muted);
  font-weight: 600;
  font-size: 0.9rem;
  margin-top: 16px;
  transition: color var(--transition), gap var(--transition);
}

.card-link:hover {
  color: var(--gold);
  gap: 10px;
}

/* Grid Layouts */
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

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

/* ── Process Steps ────────────────────────────────────────── */
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  position: relative;
}

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

.step-number {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-dark);
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.process-step h3 {
  margin-bottom: 8px;
}

.process-step p {
  font-size: 0.9rem;
}

/* ── Loan Product Cards ───────────────────────────────────── */
.loan-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}

.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-muted);
}

.loan-card-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 20px;
}

.loan-card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, rgba(27,45,69,0.08), rgba(27,45,69,0.04));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.loan-card-icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--navy);
}

.loan-card h3 {
  font-size: 1.2rem;
  margin-bottom: 4px;
}

.loan-card .loan-rate {
  color: var(--gold-muted);
  font-weight: 600;
  font-size: 0.85rem;
  margin: 0;
}

.loan-card p.loan-desc {
  font-size: 0.92rem;
  flex-grow: 1;
}

.loan-details {
  display: flex;
  gap: 24px;
  margin: 16px 0;
  padding: 16px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}

.loan-detail {
  flex: 1;
}

.loan-detail span {
  display: block;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gray-400);
  margin-bottom: 4px;
}

.loan-detail strong {
  font-size: 0.95rem;
  color: var(--text-dark);
}

/* ── USP Grid ─────────────────────────────────────────────── */
.usp-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.usp-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(212,168,67,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.usp-icon svg {
  width: 20px;
  height: 20px;
  stroke: var(--gold);
}

.usp-item h4 {
  margin-bottom: 4px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
}

.usp-item p {
  font-size: 0.9rem;
  margin: 0;
}

/* ── CTA Banner ───────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner .hero-bg-pattern { position: absolute; inset: 0; }

.cta-banner h2 {
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
  z-index: 2;
}

.cta-banner p {
  color: rgba(255,255,255,0.6);
  font-size: 1.1rem;
  max-width: 520px;
  margin: 0 auto 32px;
  position: relative;
  z-index: 2;
}

.cta-banner .btn { position: relative; z-index: 2; }

/* ── FAQ Accordion ────────────────────────────────────────── */
.faq-list {
  max-width: 720px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--gray-200);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 24px 0;
  font-family: 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color var(--transition);
}

.faq-question:hover { color: var(--gold-muted); }

.faq-question svg {
  width: 20px;
  height: 20px;
  stroke: var(--gray-400);
  transition: transform var(--transition);
  flex-shrink: 0;
}

.faq-item.active .faq-question svg {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 0 0 24px;
}

.faq-answer-inner p {
  font-size: 0.95rem;
  margin: 0;
}

/* ── Contact Form ─────────────────────────────────────────── */
.form-group {
  margin-bottom: 24px;
}

.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 8px;
  color: var(--text-dark);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 18px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,168,67,0.15);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

/* ── Footer ───────────────────────────────────────────────── */
.footer {
  background: var(--navy-dark);
  padding: 80px 0 32px;
}

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

.footer-brand img {
  height: 36px;
  margin-bottom: 16px;
}

.footer-brand p {
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
}

.footer h4 {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.footer-links a {
  display: block;
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
  padding: 6px 0;
  transition: color var(--transition);
}

.footer-links a:hover { color: var(--gold); }

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.footer-bottom p {
  color: rgba(255,255,255,0.3);
  font-size: 0.8rem;
  margin: 0;
}

/* ── WhatsApp Float ───────────────────────────────────────── */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: #25D366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,0.4);
  transition: transform var(--transition), box-shadow var(--transition);
}

.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 24px rgba(37,211,102,0.5);
}

.whatsapp-float svg {
  width: 32px;
  height: 32px;
  fill: var(--white);
}

/* ── FAQ ──────────────────────────────────────────────────── */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  background: var(--white);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--dark);
  transition: color var(--transition);
}

.faq-question svg {
  flex-shrink: 0;
  transition: transform 0.3s ease;
  color: var(--gold);
}

.faq-question:hover {
  color: var(--gold);
}

/* ── Animations ───────────────────────────────────────────── */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children */
.stagger > * { transition-delay: calc(var(--i, 0) * 0.1s); }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: 1fr; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .hero-stats { gap: 32px; }
}

@media (max-width: 768px) {
  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background: var(--navy-dark);
    flex-direction: column;
    padding: 80px 32px 32px;
    gap: 24px;
    transition: right var(--transition);
    box-shadow: -4px 0 20px rgba(0,0,0,0.3);
  }

  .nav-links.open { right: 0; }

  .nav-toggle { display: flex; }

  .hero-content { padding: 100px 0 60px; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { text-align: center; justify-content: center; }
  .hero-stats { flex-direction: column; gap: 20px; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  [style*="grid-template-columns: 1fr 1fr"] { grid-template-columns: 1fr !important; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
  section { padding: 60px 0; }
}

@media (max-width: 480px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .container { padding: 0 16px; }
  .card { padding: 24px; }
  .loan-details { flex-direction: column; gap: 12px; }
  .trust-logos { gap: 20px; }
  .bank-logo { height: 28px; max-width: 80px; }
  .nav-logo img { height: 36px; }
  .hero-stat h3 { font-size: 1.6rem; }
}