/*
 * FairLend Loans - Main Stylesheet
 * Brand Colors: Navy Blue (#1a2744), Gold (#d4a853)
 */

/* ==================== CSS VARIABLES ==================== */
:root {
    /* Brand Colors */
    --primary-navy: #1a2744;
    --primary-navy-light: #243656;
    --primary-navy-dark: #111a2e;
    --accent-gold: #d4a853;
    --accent-gold-light: #e8c87a;
    --accent-gold-dark: #b8923f;
    
    /* Neutral Colors */
    --white: #ffffff;
    --off-white: #f8f9fa;
    --light-gray: #e9ecef;
    --medium-gray: #6c757d;
    --dark-gray: #343a40;
    --black: #000000;
    
    /* Semantic Colors */
    --success: #28a745;
    --danger: #dc3545;
    --warning: #ffc107;
    --info: #17a2b8;
    
    /* Typography */
    --font-primary: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    --font-heading: 'Georgia', 'Times New Roman', serif;
    
    /* Spacing */
    --section-padding: 80px 0;
    --container-max-width: 1200px;
    
    /* Transitions */
    --transition-fast: 0.2s ease;
    --transition-medium: 0.3s ease;
    --transition-slow: 0.5s ease;
    
    /* Shadows */
    --shadow-sm: 0 2px 4px rgba(0,0,0,0.1);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.15);
    --shadow-lg: 0 8px 30px rgba(0,0,0,0.2);
    --shadow-gold: 0 4px 15px rgba(212, 168, 83, 0.3);
}

/* ==================== RESET & BASE ==================== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-primary);
    line-height: 1.6;
    color: var(--dark-gray);
    background-color: var(--white);
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition-medium);
}

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

ul {
    list-style: none;
}

/* ==================== TYPOGRAPHY ==================== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
    color: var(--primary-navy);
}

h1 { font-size: 3rem; }
h2 { font-size: 2.5rem; }
h3 { font-size: 2rem; }
h4 { font-size: 1.5rem; }
h5 { font-size: 1.25rem; }
h6 { font-size: 1rem; }

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

.text-gold { color: var(--accent-gold); }
.text-navy { color: var(--primary-navy); }
.text-white { color: var(--white); }
.text-center { text-align: center; }

/* ==================== CONTAINER ==================== */
.container {
    max-width: var(--container-max-width);
    margin: 0 auto;
    padding: 0 20px;
}

.container-narrow {
    max-width: 900px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ==================== BUTTONS ==================== */
.btn {
    display: inline-block;
    padding: 14px 32px;
    font-size: 1rem;
    font-weight: 600;
    text-align: center;
    border: none;
    border-radius: 6px;
    cursor: pointer;
    transition: var(--transition-medium);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.btn-primary {
    background: linear-gradient(135deg, var(--accent-gold), var(--accent-gold-dark));
    color: var(--primary-navy-dark);
}

.btn-primary:hover {
    background: linear-gradient(135deg, var(--accent-gold-light), var(--accent-gold));
    transform: translateY(-2px);
    box-shadow: var(--shadow-gold);
}

.btn-secondary {
    background: var(--primary-navy);
    color: var(--white);
}

.btn-secondary:hover {
    background: var(--primary-navy-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

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

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

.btn-large {
    padding: 18px 48px;
    font-size: 1.1rem;
}

/* ==================== NOTIFICATION BAR ==================== */
.notification-bar {
    background: linear-gradient(90deg, var(--accent-gold), var(--accent-gold-dark));
    color: var(--primary-navy-dark);
    padding: 12px 0;
    text-align: center;
    font-weight: 600;
    position: relative;
    z-index: 1001;
}

.notification-bar p {
    margin: 0;
    color: var(--primary-navy-dark);
    font-size: 0.95rem;
}

.notification-close {
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--primary-navy-dark);
}

/* ==================== NAVIGATION ==================== */
.navbar {
    background: var(--primary-navy);
    padding: 15px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-md);
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo img {
    height: 50px;
    width: auto;
}

.logo-text {
    color: var(--white);
    font-size: 1.5rem;
    font-weight: 700;
}

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

.nav-menu {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-menu a {
    color: var(--white);
    font-weight: 500;
    font-size: 0.95rem;
    position: relative;
}

.nav-menu a::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent-gold);
    transition: var(--transition-medium);
}

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

.nav-menu a:hover {
    color: var(--accent-gold);
}

.nav-buttons {
    display: flex;
    gap: 12px;
}

.nav-buttons .btn {
    padding: 10px 20px;
    font-size: 0.85rem;
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--white);
    font-size: 1.5rem;
    cursor: pointer;
}

/* ==================== HERO SECTION ==================== */
.hero {
    background: linear-gradient(135deg, var(--primary-navy) 0%, var(--primary-navy-dark) 100%);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    background: url('../images/hero-pattern.png') no-repeat center;
    background-size: cover;
    opacity: 0.1;
}

.hero .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content h1 {
    color: var(--white);
    font-size: 3.5rem;
    margin-bottom: 20px;
    line-height: 1.1;
}

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

.hero-content p {
    color: rgba(255,255,255,0.85);
    font-size: 1.2rem;
    margin-bottom: 30px;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 40px;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.2);
}

.stat-item h3 {
    color: var(--accent-gold);
    font-size: 2.5rem;
    margin-bottom: 5px;
}

.stat-item p {
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
    margin: 0;
}

.hero-image {
    position: relative;
}

.hero-image img {
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
}

/* ==================== SECTIONS ==================== */
.section {
    padding: var(--section-padding);
}

.section-light {
    background: var(--off-white);
}

.section-dark {
    background: var(--primary-navy);
}

.section-dark h2,
.section-dark h3 {
    color: var(--white);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.section-header h2 {
    margin-bottom: 15px;
}

.section-header p {
    font-size: 1.1rem;
}

/* ==================== LOAN CARDS ==================== */
.loan-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 30px;
}

.loan-card {
    background: var(--white);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition-medium);
    border: 1px solid var(--light-gray);
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.loan-card-image {
    height: 200px;
    overflow: hidden;
}

.loan-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition-medium);
}

.loan-card:hover .loan-card-image img {
    transform: scale(1.05);
}

.loan-card-content {
    padding: 25px;
}

.loan-card-content h3 {
    color: var(--primary-navy);
    margin-bottom: 10px;
    font-size: 1.4rem;
}

.loan-card-content p {
    color: var(--medium-gray);
    margin-bottom: 15px;
    font-size: 0.95rem;
}

.loan-rate {
    display: inline-block;
    background: var(--accent-gold);
    color: var(--primary-navy-dark);
    padding: 6px 16px;
    border-radius: 20px;
    font-weight: 700;
    font-size: 0.9rem;
    margin-bottom: 15px;
}

/* ==================== FEATURES ==================== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 40px;
}

.feature-item {
    text-align: center;
    padding: 30px;
}

.feature-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--accent-gold), var(--accent-gold-dark));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 2rem;
    color: var(--primary-navy-dark);
}

.feature-item h3 {
    margin-bottom: 10px;
    font-size: 1.3rem;
}

/* ==================== CALCULATOR ==================== */
.calculator-container {
    background: var(--white);
    border-radius: 16px;
    padding: 40px;
    box-shadow: var(--shadow-lg);
    max-width: 800px;
    margin: 0 auto;
}

.calculator-form {
    display: grid;
    gap: 25px;
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group label {
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--primary-navy);
}

.form-group input,
.form-group select,
.form-group textarea {
    padding: 14px 18px;
    border: 2px solid var(--light-gray);
    border-radius: 8px;
    font-size: 1rem;
    transition: var(--transition-medium);
    font-family: var(--font-primary);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent-gold);
    box-shadow: 0 0 0 3px rgba(212, 168, 83, 0.2);
}

.calculator-result {
    background: linear-gradient(135deg, var(--primary-navy), var(--primary-navy-light));
    border-radius: 12px;
    padding: 30px;
    margin-top: 30px;
    text-align: center;
}

.calculator-result h3 {
    color: var(--white);
    margin-bottom: 20px;
}

.result-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.result-item {
    background: rgba(255,255,255,0.1);
    padding: 20px;
    border-radius: 8px;
}

.result-item .amount {
    color: var(--accent-gold);
    font-size: 1.8rem;
    font-weight: 700;
    display: block;
}

.result-item label {
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
}

/* ==================== APPLICATION FORM ==================== */
.application-form {
    background: var(--white);
    border-radius: 16px;
    padding: 50px;
    box-shadow: var(--shadow-lg);
}

.form-section {
    margin-bottom: 40px;
    padding-bottom: 30px;
    border-bottom: 1px solid var(--light-gray);
}

.form-section:last-child {
    border-bottom: none;
}

.form-section h3 {
    color: var(--primary-navy);
    margin-bottom: 25px;
    padding-bottom: 10px;
    border-bottom: 3px solid var(--accent-gold);
    display: inline-block;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
}

.form-group.half {
    flex: 1;
}

.file-upload {
    border: 2px dashed var(--medium-gray);
    border-radius: 8px;
    padding: 30px;
    text-align: center;
    cursor: pointer;
    transition: var(--transition-medium);
}

.file-upload:hover {
    border-color: var(--accent-gold);
    background: rgba(212, 168, 83, 0.05);
}

.file-upload input {
    display: none;
}

.file-upload-icon {
    font-size: 3rem;
    color: var(--medium-gray);
    margin-bottom: 10px;
}

/* ==================== SIGNATURE PAD ==================== */
.signature-pad-container {
    border: 2px solid var(--light-gray);
    border-radius: 8px;
    background: var(--white);
    position: relative;
}

.signature-pad {
    width: 100%;
    height: 200px;
    border-radius: 8px;
    cursor: crosshair;
    touch-action: none;
}

.signature-pad-actions {
    display: flex;
    gap: 10px;
    padding: 10px;
    background: var(--off-white);
    border-top: 1px solid var(--light-gray);
    border-radius: 0 0 8px 8px;
}

.signature-pad-actions button {
    padding: 8px 16px;
    font-size: 0.85rem;
    border: none;
    border-radius: 4px;
    cursor: pointer;
    transition: var(--transition-fast);
}

.signature-pad-actions .btn-clear {
    background: var(--medium-gray);
    color: var(--white);
}

.signature-pad-actions .btn-clear:hover {
    background: var(--dark-gray);
}

.signature-pad-label {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    color: var(--medium-gray);
    font-size: 0.9rem;
    pointer-events: none;
}

/* ==================== FORM NOTIFICATIONS ==================== */
.form-notification {
    position: fixed;
    top: 100px;
    right: 20px;
    padding: 15px 25px;
    border-radius: 8px;
    color: white;
    font-weight: 500;
    z-index: 10000;
    animation: slideIn 0.3s ease;
    max-width: 400px;
    word-wrap: break-word;
}

.form-notification.success {
    background: var(--success);
}

.form-notification.error {
    background: var(--danger);
}

.form-notification.info {
    background: var(--info);
}

/* ==================== FAQ ACCORDION ==================== */
.accordion {
    max-width: 800px;
    margin: 0 auto;
}

.accordion-item {
    background: var(--white);
    border-radius: 8px;
    margin-bottom: 15px;
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}

.accordion-header {
    padding: 20px 25px;
    background: var(--white);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition-medium);
    border: none;
    width: 100%;
    text-align: left;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--primary-navy);
}

.accordion-header:hover {
    background: var(--off-white);
}

.accordion-header::after {
    content: '+';
    font-size: 1.5rem;
    color: var(--accent-gold);
    transition: var(--transition-medium);
}

.accordion-item.active .accordion-header::after {
    content: '−';
}

.accordion-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-medium);
}

.accordion-item.active .accordion-content {
    max-height: 500px;
}

.accordion-body {
    padding: 0 25px 20px;
    color: var(--medium-gray);
}

/* ==================== TESTIMONIALS ==================== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
}

.testimonial-card {
    background: var(--white);
    border-radius: 12px;
    padding: 30px;
    box-shadow: var(--shadow-md);
    position: relative;
}

.testimonial-card::before {
    content: '"';
    font-size: 5rem;
    color: var(--accent-gold);
    opacity: 0.3;
    position: absolute;
    top: 10px;
    left: 20px;
    font-family: Georgia, serif;
    line-height: 1;
}

.testimonial-content {
    position: relative;
    z-index: 1;
    margin-bottom: 20px;
    font-style: italic;
    color: var(--dark-gray);
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 15px;
}

.testimonial-avatar {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    object-fit: cover;
}

.testimonial-info h4 {
    margin-bottom: 5px;
    color: var(--primary-navy);
    font-size: 1.1rem;
}

.testimonial-info p {
    margin: 0;
    font-size: 0.9rem;
    color: var(--medium-gray);
}

.rating {
    color: var(--accent-gold);
    margin-top: 5px;
}

/* ==================== OFFICE LOCATIONS ==================== */
.locations-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.location-card {
    background: var(--white);
    border-radius: 12px;
    padding: 30px;
    text-align: center;
    box-shadow: var(--shadow-md);
    transition: var(--transition-medium);
}

.location-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.location-flag {
    font-size: 3rem;
    margin-bottom: 15px;
}

.location-card h3 {
    margin-bottom: 10px;
    color: var(--primary-navy);
}

.location-card p {
    margin-bottom: 8px;
    font-size: 0.95rem;
}

.location-card .badge {
    display: inline-block;
    background: var(--accent-gold);
    color: var(--primary-navy-dark);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-top: 10px;
}

/* ==================== CTA BANNER ==================== */
.cta-banner {
    background: linear-gradient(135deg, var(--accent-gold), var(--accent-gold-dark));
    padding: 80px 0;
    text-align: center;
}

.cta-banner h2 {
    color: var(--primary-navy-dark);
    margin-bottom: 15px;
    font-size: 2.5rem;
}

.cta-banner p {
    color: var(--primary-navy-dark);
    font-size: 1.2rem;
    margin-bottom: 30px;
    opacity: 0.9;
}

.cta-banner .btn-secondary {
    background: var(--primary-navy);
    color: var(--white);
}

.cta-banner .btn-secondary:hover {
    background: var(--primary-navy-dark);
}

/* ==================== FOOTER ==================== */
.footer {
    background: var(--primary-navy-dark);
    color: var(--white);
    padding: 60px 0 20px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr repeat(3, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.footer-brand p {
    color: rgba(255,255,255,0.7);
    margin: 20px 0;
}

.footer-brand img {
    height: 50px;
    width: auto;
}

.social-links {
    display: flex;
    gap: 15px;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-medium);
}

.social-links a:hover {
    background: var(--accent-gold);
    color: var(--primary-navy-dark);
}

.footer-links h4 {
    color: var(--white);
    margin-bottom: 20px;
    font-size: 1.1rem;
}

.footer-links ul li {
    margin-bottom: 10px;
}

.footer-links ul li a {
    color: rgba(255,255,255,0.7);
    transition: var(--transition-medium);
}

.footer-links ul li a:hover {
    color: var(--accent-gold);
    padding-left: 5px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 15px;
}

.footer-bottom p {
    color: rgba(255,255,255,0.5);
    margin: 0;
    font-size: 0.9rem;
}

.footer-bottom-links {
    display: flex;
    gap: 20px;
}

.footer-bottom-links a {
    color: rgba(255,255,255,0.5);
    font-size: 0.9rem;
}

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

/* ==================== SOCIAL PROOF POPUP ==================== */
.social-proof-popup {
    position: fixed;
    bottom: 20px;
    left: 20px;
    background: var(--white);
    border-radius: 12px;
    padding: 15px 20px;
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 15px;
    z-index: 9999;
    max-width: 350px;
    transform: translateX(-400px);
    opacity: 0;
    transition: all 0.5s ease;
}

.social-proof-popup.show {
    transform: translateX(0);
    opacity: 1;
}

.social-proof-popup img {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
}

.social-proof-content p {
    margin: 0;
    font-size: 0.9rem;
    color: var(--dark-gray);
}

.social-proof-content .name {
    font-weight: 600;
    color: var(--primary-navy);
}

.social-proof-content .time {
    font-size: 0.8rem;
    color: var(--medium-gray);
}

/* ==================== TABLES ==================== */
.table-container {
    overflow-x: auto;
    border-radius: 12px;
    box-shadow: var(--shadow-md);
    -webkit-overflow-scrolling: touch;
}

.data-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    min-width: 600px;
}

.data-table th {
    background: var(--primary-navy);
    color: var(--white);
    font-weight: 600;
    text-transform: uppercase;
    font-size: 0.85rem;
    letter-spacing: 0.5px;
}

.data-table th,
.data-table td {
    padding: 15px 20px;
    text-align: left;
}

.data-table tr:nth-child(even) {
    background: var(--off-white);
}

.data-table tr:hover {
    background: rgba(212, 168, 83, 0.1);
}

.data-table td {
    border-bottom: 1px solid var(--light-gray);
}

/* ==================== POLICY PAGES ==================== */
.policy-content {
    max-width: 900px;
    margin: 0 auto;
    background: var(--white);
    padding: 50px;
    border-radius: 12px;
    box-shadow: var(--shadow-md);
}

.policy-content h2 {
    margin-top: 40px;
    margin-bottom: 15px;
    color: var(--primary-navy);
}

.policy-content h3 {
    margin-top: 25px;
    margin-bottom: 10px;
    color: var(--primary-navy-light);
}

.policy-content ul {
    list-style: disc;
    padding-left: 30px;
    margin-bottom: 20px;
}

.policy-content ul li {
    margin-bottom: 8px;
    color: var(--medium-gray);
}

/* ==================== BREADCRUMB ==================== */
.breadcrumb {
    background: var(--primary-navy);
    padding: 20px 0;
    color: rgba(255,255,255,0.7);
}

.breadcrumb a {
    color: var(--white);
}

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

.breadcrumb span {
    margin: 0 10px;
}

/* ==================== CONTACT PAGE SPECIFIC ==================== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
}

@media (max-width: 992px) {
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

/* ==================== RESPONSIVE DESIGN ==================== */
@media (max-width: 1200px) {
    .container {
        padding: 0 15px;
    }
    
    .application-form {
        padding: 40px;
    }
}

@media (max-width: 992px) {
    .hero .container {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .hero-content h1 {
        font-size: 2.5rem;
    }
    
    .hero-stats {
        justify-content: center;
    }
    
    .hero-image {
        order: -1;
    }
    
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .nav-menu {
        position: fixed;
        top: 80px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 80px);
        background: var(--primary-navy);
        flex-direction: column;
        padding: 40px 20px;
        transition: var(--transition-medium);
        overflow-y: auto;
        z-index: 999;
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .nav-menu li {
        width: 100%;
        text-align: center;
    }
    
    .nav-menu a {
        display: block;
        padding: 15px 0;
        font-size: 1.1rem;
        border-bottom: 1px solid rgba(255,255,255,0.1);
    }
    
    .mobile-menu-toggle {
        display: block;
    }
    
    .nav-buttons {
        display: none;
    }
    
    .mobile-nav-buttons {
        display: flex;
        flex-direction: column;
        gap: 15px;
        margin-top: 30px;
        padding-top: 20px;
        border-top: 1px solid rgba(255,255,255,0.2);
    }
    
    .mobile-nav-buttons .btn {
        width: 100%;
    }
}

@media (max-width: 768px) {
    html {
        font-size: 15px;
    }
    
    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
    h3 { font-size: 1.5rem; }
    
    .hero {
        padding: 60px 0;
    }
    
    .hero-content h1 {
        font-size: 2rem;
    }
    
    .hero-stats {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .section {
        padding: 50px 0;
    }
    
    .loan-cards,
    .features-grid,
    .testimonials-grid,
    .locations-grid {
        grid-template-columns: 1fr;
    }
    
    .result-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .social-links {
        justify-content: center;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .calculator-container,
    .application-form,
    .policy-content {
        padding: 25px;
    }
    
    .form-row {
        grid-template-columns: 1fr;
        gap: 15px;
    }
    
    .form-section {
        margin-bottom: 30px;
        padding-bottom: 20px;
    }
    
    .signature-pad {
        height: 150px;
    }
    
    .cta-banner {
        padding: 50px 0;
    }
    
    .cta-banner h2 {
        font-size: 1.75rem;
    }
    
    .notification-bar {
        padding: 10px 40px 10px 15px;
    }
    
    .notification-bar p {
        font-size: 0.85rem;
        line-height: 1.4;
    }
    
    .social-proof-popup {
        max-width: calc(100vw - 40px);
        left: 10px;
        right: 10px;
    }
    
    .table-container {
        margin: 0 -15px;
        border-radius: 0;
    }
    
    .file-upload {
        padding: 20px;
    }
    
    .file-upload-icon {
        font-size: 2rem;
    }
}

@media (max-width: 480px) {
    html {
        font-size: 14px;
    }
    
    .btn {
        padding: 12px 24px;
        font-size: 0.9rem;
        width: 100%;
    }
    
    .btn-large {
        padding: 14px 32px;
    }
    
    .hero-content h1 {
        font-size: 1.75rem;
    }
    
    .hero-content p {
        font-size: 1rem;
    }
    
    .notification-bar p {
        font-size: 0.8rem;
        padding-right: 30px;
    }
    
    .notification-close {
        right: 10px;
        font-size: 1.2rem;
    }
    
    .application-form {
        padding: 20px 15px;
    }
    
    .calculator-container {
        padding: 20px 15px;
    }
    
    .form-group input,
    .form-group select,
    .form-group textarea {
        padding: 12px 14px;
        font-size: 16px; /* Prevents zoom on iOS */
    }
    
    .feature-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
    }
    
    .loan-card-image {
        height: 160px;
    }
    
    .testimonial-card {
        padding: 20px;
    }
    
    .location-card {
        padding: 20px;
    }
    
    .accordion-header {
        padding: 15px 20px;
        font-size: 1rem;
    }
    
    .accordion-body {
        padding: 0 20px 15px;
    }
    
    .breadcrumb {
        padding: 15px 0;
    }
    
    .logo img {
        height: 40px;
    }
    
    .navbar {
        padding: 12px 0;
    }
    
    .signature-pad {
        height: 120px;
    }
    
    .form-notification {
        left: 10px;
        right: 10px;
        top: 80px;
        max-width: none;
    }
}

@media (max-width: 360px) {
    .hero-content h1 {
        font-size: 1.5rem;
    }
    
    h2 {
        font-size: 1.5rem;
    }
    
    .btn {
        padding: 10px 20px;
    }
}

/* ==================== TOUCH DEVICE OPTIMIZATIONS ==================== */
@media (pointer: coarse) {
    .btn:hover {
        transform: none;
    }
    
    .loan-card:hover {
        transform: none;
    }
    
    .location-card:hover {
        transform: none;
    }
    
    .nav-menu a:hover::after {
        width: 0;
    }
    
    .nav-menu a:active::after {
        width: 100%;
    }
}

/* ==================== PRINT STYLES ==================== */
@media print {
    .notification-bar,
    .navbar,
    .mobile-menu-toggle,
    .social-proof-popup,
    .footer,
    .cta-banner,
    .btn {
        display: none !important;
    }
    
    .hero {
        background: white !important;
        padding: 20px 0 !important;
    }
    
    .hero-content h1 {
        color: black !important;
    }
    
    .application-form {
        box-shadow: none !important;
        padding: 0 !important;
    }
    
    .form-section {
        page-break-inside: avoid;
    }
}

/* ==================== ANIMATIONS ==================== */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in {
    animation: fadeIn 0.6s ease forwards;
}

@keyframes pulse {
    0%, 100% {
        transform: scale(1);
    }
    50% {
        transform: scale(1.05);
    }
}

.pulse {
    animation: pulse 2s infinite;
}

@keyframes slideIn {
    from {
        transform: translateX(100%);
        opacity: 0;
    }
    to {
        transform: translateX(0);
        opacity: 1;
    }
}

@keyframes slideOut {
    from {
        transform: translateX(0);
        opacity: 1;
    }
    to {
        transform: translateX(100%);
        opacity: 0;
    }
}

/* ==================== UTILITIES ==================== */
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mt-5 { margin-top: 3rem; }

.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mb-5 { margin-bottom: 3rem; }

.hidden { display: none !important; }
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.text-danger { color: var(--danger); }
.text-success { color: var(--success); }
.text-warning { color: var(--warning); }

/* ==================== LOADING SPINNER ==================== */
.loading-spinner {
    display: inline-block;
    width: 20px;
    height: 20px;
    border: 3px solid rgba(255,255,255,0.3);
    border-radius: 50%;
    border-top-color: var(--white);
    animation: spin 1s ease-in-out infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.btn-loading {
    pointer-events: none;
    opacity: 0.8;
}

/* ==================== FILE UPLOAD PROGRESS ==================== */
.file-upload-preview {
    margin-top: 10px;
    padding: 10px;
    background: var(--off-white);
    border-radius: 4px;
    font-size: 0.85rem;
}

.file-upload-preview .file-name {
    color: var(--success);
    font-weight: 500;
}

.file-upload-preview .file-size {
    color: var(--medium-gray);
    font-size: 0.8rem;
}

/* ==================== FORM VALIDATION STATES ==================== */
.form-group input.error,
.form-group select.error,
.form-group textarea.error {
    border-color: var(--danger);
    background-color: rgba(220, 53, 69, 0.05);
}

.form-group input.success,
.form-group select.success,
.form-group textarea.success {
    border-color: var(--success);
    background-color: rgba(40, 167, 69, 0.05);
}

.validation-message {
    font-size: 0.85rem;
    margin-top: 5px;
    color: var(--danger);
}

/* ==================== CSRF TOKEN FIELD ==================== */
input[name="csrf_token"] {
    display: none !important;
}

/* ==================== HONEYPOT FIELD ==================== */
input[name="website"] {
    display: none !important;
    visibility: hidden !important;
    opacity: 0 !important;
    position: absolute !important;
    left: -9999px !important;
}