/* ===========================================================
   BRIDGE CAP FINANCE — shared stylesheet
   Palette: deep navy + structured gold, cool paper background
   Type: Fraunces (display/serif) + IBM Plex Sans (body/UI)
=========================================================== */

:root{
  --navy-950:#0F1A4D;
  --navy-900:#16227A;
  --navy-800:#1D3FAE;
  --navy-700:#2A3F8F;
  --navy-600:#3B6FEF;
  --gold-600:#B8791A;
  --gold-500:#F2A93B;
  --gold-300:#F7C873;
  --gold-100:#FDEFD9;
  --paper:#F5F7FB;
  --paper-dim:#EAEFF9;
  --ink-900:#10161F;
  --ink-700:#3A4553;
  --ink-500:#5C6675;
  --line:#DCE3F0;
  --line-dark:#28387F;
  --green:#1F9D55;
  --max:1180px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink-900);
  font-family:"IBM Plex Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;}
h1,h2,h3,h4{
  font-family:"Fraunces", Georgia, serif;
  font-weight:600;
  line-height:1.12;
  margin:0 0 .5em;
  letter-spacing:-0.01em;
  color:var(--navy-900);
}
p{margin:0 0 1em;color:var(--ink-700);}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px;}
.eyebrow{
  font-size:.8rem;
  color:var(--gold-600);
  font-weight:600;
  margin:0 0 10px;
}

/* ---------- focus / accessibility ---------- */
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{
  outline:2px solid var(--gold-500);
  outline-offset:3px;
}
@media (prefers-reduced-motion: reduce){
  *{animation:none !important;transition:none !important;}
}

/* ---------- header / nav ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:#fff;
  border-bottom:1px solid var(--line);
  box-shadow:0 1px 0 rgba(16,34,122,.03);
}
.nav{
  max-width:var(--max);margin:0 auto;padding:14px 32px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;
}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;}
.brand-mark{
  width:42px;height:42px;border-radius:10px;
  background:linear-gradient(155deg,var(--navy-600),var(--navy-900));
  display:flex;align-items:center;justify-content:center;
  font-family:"Fraunces",serif;font-weight:700;color:#fff;font-size:1.25rem;
  flex-shrink:0;
}
.brand-text{line-height:1.15;}
.brand-text strong{
  display:block;color:var(--navy-900);font-family:"Fraunces",serif;font-weight:600;
  font-size:1.05rem;letter-spacing:.01em;
}
.brand-text span{display:block;color:var(--ink-500);font-size:.68rem;letter-spacing:.04em;}
.nav-links{display:flex;gap:28px;list-style:none;margin:0;padding:0;}
.nav-links a{
  color:var(--ink-700);text-decoration:none;font-size:.93rem;font-weight:500;
  padding:6px 2px;border-bottom:2px solid transparent;
}
.nav-links a:hover{border-bottom-color:var(--gold-500);color:var(--navy-900);}
.nav-cta{
  display:flex;align-items:center;gap:10px;
  background:var(--navy-800);color:#fff;
  padding:10px 18px;border-radius:6px;font-weight:600;font-size:.9rem;
  text-decoration:none;white-space:nowrap;
}
.nav-cta:hover{background:var(--navy-900);}
.nav-toggle{display:none;}

@media (max-width:860px){
  .nav-links{display:none;}
  .nav-cta{display:none;}
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:13px 24px;border-radius:6px;font-weight:600;font-size:.95rem;
  text-decoration:none;border:1px solid transparent;cursor:pointer;
}
.btn-gold{background:var(--gold-500);color:var(--navy-950);}
.btn-gold:hover{background:var(--gold-300);}
.btn-outline{border-color:rgba(255,255,255,.35);color:#fff;}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.06);}
.btn-outline-dark{border-color:var(--navy-700);color:var(--navy-900);}
.btn-outline-dark:hover{background:var(--navy-900);color:#fff;}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-950);color:#B9C2D0;padding:56px 0 24px;margin-top:100px;}
.footer-grid{
  display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:48px;
  padding-bottom:36px;border-bottom:1px solid var(--line-dark);
}
.footer-grid h4{color:#fff;font-family:"Fraunces",serif;font-size:1rem;margin-bottom:14px;}
.footer-grid p, .footer-grid a{color:#9AA6B8;font-size:.92rem;text-decoration:none;}
.footer-grid ul{list-style:none;margin:0;padding:0;}
.footer-grid li{margin-bottom:10px;}
.footer-grid a:hover{color:var(--gold-300);}
.footer-bottom{
  display:flex;justify-content:space-between;align-items:center;
  padding-top:22px;font-size:.83rem;color:#748099;flex-wrap:wrap;gap:12px;
}
.footer-bottom a{color:#9AA6B8;text-decoration:none;margin-left:18px;}
.footer-bottom a:hover{color:var(--gold-300);}

@media (max-width:760px){
  .footer-grid{grid-template-columns:1fr;gap:32px;}
}

/* ---------- legal pages ---------- */
.legal-hero{
  background:var(--navy-950);color:#fff;padding:72px 0 46px;
}
.legal-hero .eyebrow{color:var(--gold-300);}
.legal-hero h1{color:#fff;font-size:clamp(2rem,4vw,2.6rem);max-width:640px;}
.legal-hero p{color:#B9C2D0;max-width:560px;}
.legal-body{padding:56px 0 40px;}
.legal-layout{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start;}
.legal-toc{
  position:sticky;top:96px;
  border-left:2px solid var(--line);
  padding-left:18px;
}
.legal-toc a{
  display:block;color:var(--ink-500);text-decoration:none;font-size:.88rem;
  padding:6px 0;border-left:2px solid transparent;margin-left:-20px;padding-left:18px;
}
.legal-toc a:hover{color:var(--navy-900);border-left-color:var(--gold-500);}
.legal-content section{margin-bottom:38px;scroll-margin-top:96px;}
.legal-content h2{font-size:1.3rem;color:var(--navy-900);border-bottom:1px solid var(--line);padding-bottom:10px;margin-bottom:14px;}
.legal-content h3{font-size:1.02rem;color:var(--navy-800);margin-top:20px;}
.legal-content p,.legal-content li{color:var(--ink-700);font-size:.96rem;}
.legal-content ul{padding-left:20px;}
.legal-content li{margin-bottom:8px;}
.legal-note{
  background:var(--gold-100);border:1px solid var(--gold-300);
  border-radius:8px;padding:16px 20px;font-size:.9rem;color:var(--navy-900);
}
.updated-pill{
  display:inline-block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);
  padding:5px 14px;border-radius:999px;font-size:.8rem;color:var(--gold-300);margin-bottom:18px;
}

@media (max-width:860px){
  .legal-layout{grid-template-columns:1fr;}
  .legal-toc{position:static;display:flex;flex-wrap:wrap;gap:4px 18px;border-left:none;border-bottom:1px solid var(--line);padding:0 0 18px;margin-bottom:8px;}
  .legal-toc a{margin-left:0;padding-left:0;border-left:none;}
}

/* ---------- FAQ (details/summary) ---------- */
.faq-list{max-width:800px;}
.faq-item{
  border-bottom:1px solid var(--line);
}
.faq-item summary{
  list-style:none;cursor:pointer;padding:20px 4px;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
  font-family:"Fraunces",serif;font-weight:600;color:var(--navy-900);font-size:1.02rem;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{
  content:"+";flex-shrink:0;color:var(--gold-600);font-size:1.4rem;font-weight:400;
  line-height:1;transition:transform .15s ease;
}
.faq-item[open] summary::after{content:"–";}
.faq-item p{padding:0 4px 20px;margin:0;font-size:.94rem;}

/* ---------- WhatsApp floating button ---------- */
.whatsapp-float{
  position:fixed;right:22px;bottom:22px;z-index:80;
  width:58px;height:58px;border-radius:50%;
  background:#25D366;display:flex;align-items:center;justify-content:center;
  box-shadow:0 10px 26px -6px rgba(0,0,0,.4);
  text-decoration:none;transition:transform .15s ease;
}
.whatsapp-float:hover{transform:scale(1.07);}
.whatsapp-float svg{width:30px;height:30px;}

/* ---------- Bank / payment details ---------- */
.bank-section{background:#fff;}
.bank-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:start;}
.bank-card{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:28px 30px;
}
.bank-row{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line);font-size:.95rem;}
.bank-row:last-child{border-bottom:none;}
.bank-row .k{color:var(--ink-500);}
.bank-row .v{color:var(--navy-900);font-weight:600;text-align:right;}
.qr-card{
  background:var(--paper);border:1px solid var(--line);border-radius:12px;
  padding:24px;text-align:center;
}
.qr-card img{width:100%;max-width:220px;margin:0 auto 14px;border-radius:8px;border:1px solid var(--line);}
.qr-card p{margin:0;font-size:.85rem;color:var(--ink-500);}

/* ---------- Apply page: form + sidebar ---------- */
.apply-hero{background:var(--navy-950);color:#fff;padding:56px 0 40px;}
.apply-hero h1{color:#fff;font-size:clamp(1.9rem,3.6vw,2.5rem);max-width:600px;}
.apply-hero p{color:#C3CBE6;max-width:540px;}
.apply-body{padding:52px 0 90px;}
.apply-layout{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:start;}
.apply-form{
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:34px 32px;
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px;}
.field{display:flex;flex-direction:column;gap:6px;}
.field.full{grid-column:1 / -1;}
.field label{font-size:.85rem;font-weight:600;color:var(--navy-800);}
.field label .req{color:#C0392B;}
.field input, .field select, .field textarea{
  border:1px solid var(--line);border-radius:7px;padding:11px 13px;font-size:.92rem;
  font-family:"IBM Plex Sans",sans-serif;color:var(--ink-900);background:#fff;
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline:2px solid var(--navy-600);outline-offset:1px;border-color:var(--navy-600);
}
.field textarea{resize:vertical;min-height:96px;}
.form-submit{
  width:100%;justify-content:center;margin-top:6px;padding:13px 20px;font-size:1rem;
  display:flex;align-items:center;gap:8px;border:none;cursor:pointer;
}
.form-note{font-size:.8rem;color:var(--ink-500);margin-top:10px;text-align:center;}
.form-success{
  display:none;background:#EAF7EF;border:1px solid #BFE6CC;color:#1F6B3E;
  border-radius:8px;padding:14px 16px;font-size:.9rem;margin-bottom:18px;
}
.form-success.show{display:block;}

.side-card{
  background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 24px;margin-bottom:20px;
}
.side-card h3{display:flex;align-items:center;gap:9px;font-size:1rem;margin-bottom:14px;color:var(--navy-900);}
.side-list{list-style:none;margin:0;padding:0;}
.side-list li{display:flex;gap:9px;padding:6px 0;font-size:.87rem;color:var(--ink-700);}
.side-list li svg{flex-shrink:0;margin-top:2px;}
.timeline-list{list-style:none;margin:0;padding:0;}
.timeline-list li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid var(--line);}
.timeline-list li:last-child{border-bottom:none;}
.timeline-num{
  width:24px;height:24px;border-radius:50%;background:var(--gold-500);color:#fff;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700;
}
.timeline-list h4{margin:0 0 2px;font-size:.88rem;color:var(--navy-900);font-family:"IBM Plex Sans",sans-serif;font-weight:600;}
.timeline-list p{margin:0;font-size:.78rem;color:var(--ink-500);}
.side-card.assist p{font-size:.87rem;margin-bottom:10px;}
.assist-row{font-size:.87rem;margin-bottom:6px;color:var(--ink-700);}
.assist-row strong{color:var(--navy-900);}

@media (max-width:900px){
  .bank-grid{grid-template-columns:1fr;}
  .apply-layout{grid-template-columns:1fr;}
  .form-grid{grid-template-columns:1fr;}
}