/* ============================================
   RISING TIDES LENDING - Clone Stylesheet
   ============================================ */

:root {
  --primary: hsl(209, 83%, 21%);
  --primary-light: hsl(209, 83%, 30%);
  --secondary: hsl(204, 79%, 48%);
  --accent: hsl(2, 68%, 48%);
  --foreground: hsl(209, 83%, 15%);
  --background: #ffffff;
  --muted: hsl(208, 14%, 96%);
  --muted-fg: hsl(208, 14%, 39%);
  --border: hsl(208, 14%, 91%);
  --radius: 0.5rem;
  --ocean-gradient: linear-gradient(135deg, hsl(209, 83%, 21%), hsl(204, 79%, 48%));
  --hero-overlay: linear-gradient(135deg, hsl(209, 83%, 21%, 0.88), hsl(204, 79%, 48%, 0.78));
  --shadow: 0 10px 30px -10px hsl(209, 83%, 21%, 0.25);
  --shadow-sm: 0 4px 6px -1px rgba(0,0,0,0.1);
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', ui-sans-serif, system-ui, sans-serif;
  color: var(--foreground);
  background: var(--background);
  line-height: 1.6;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
}
.btn-primary {
  background: var(--ocean-gradient);
  color: #fff;
}
.btn-primary:hover { opacity: 0.9; transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-secondary {
  background: var(--secondary);
  color: #fff;
}
.btn-secondary:hover { background: hsl(204, 79%, 40%); transform: translateY(-1px); }
.btn-white {
  background: #fff;
  color: var(--primary);
}
.btn-white:hover { background: var(--muted); }
.btn-outline-white {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.6);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.15); }
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--border);
}
.btn-outline:hover { background: var(--muted); }
.btn-card {
  background: var(--ocean-gradient);
  color: #fff;
  width: 100%;
  justify-content: center;
  margin-top: 0.75rem;
}
.btn-card:hover { opacity: 0.9; }
.btn-lg { padding: 0.875rem 2rem; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }

/* ============ NAVBAR ============ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-sm); }

.nav-container {
  display: flex;
  align-items: center;
  gap: 1rem;
  height: 70px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  flex-shrink: 0;
}
.logo img { height: 42px; width: auto; }
.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
  gap: 0;
}
.logo-main {
  font-size: 1rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.01em;
}
.logo-sub {
  font-size: 0.55rem;
  font-weight: 700;
  color: var(--secondary);
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  flex: 1;
  justify-content: center;
}

.nav-item { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.5rem 0.6rem;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--foreground);
  border-radius: var(--radius);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active {
  color: var(--primary);
  background: var(--muted);
}
.chevron { font-size: 0.75rem; transition: transform 0.2s; }
.nav-item:hover .chevron { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 200;
}
.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-item {
  display: block;
  padding: 0.5rem 0.75rem;
  font-size: 0.875rem;
  color: var(--foreground);
  border-radius: calc(var(--radius) - 2px);
  transition: var(--transition);
}
.dropdown-item:hover {
  background: var(--muted);
  color: var(--primary);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}
.nav-phone {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary);
  transition: var(--transition);
}
.nav-phone:hover { color: var(--secondary); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.25rem;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--foreground);
  border-radius: 2px;
  transition: var(--transition);
}

/* ============ HERO ============ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: var(--hero-overlay);
}
.hero-content {
  position: relative;
  z-index: 1;
  color: #fff;
}
.hero-text { text-align: center; margin-bottom: 3rem; }
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.2);
  border: 1px solid rgba(255,255,255,0.3);
  backdrop-filter: blur(4px);
  padding: 0.4rem 1rem;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 1.25rem;
}
.hero-title {
  font-size: clamp(2rem, 5vw, 3.5rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 0.75rem;
  text-shadow: 0 2px 8px rgba(0,0,0,0.2);
}
.hero-subtitle {
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  font-weight: 400;
  opacity: 0.9;
}

.loan-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-bottom: 2.5rem;
}
.loan-card {
  background: rgba(255,255,255,0.97);
  border-radius: 0.75rem;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0,0,0,0.2);
  transition: var(--transition);
  color: var(--foreground);
}
.loan-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.3); }
.loan-card-header {
  padding: 1.25rem 1.25rem 1rem;
  color: #fff;
  position: relative;
}
.loan-card-header--dscr { background: var(--ocean-gradient); }
.loan-card-header--hard { background: linear-gradient(135deg, hsl(209, 83%, 18%), hsl(209, 70%, 35%)); }
.loan-card-header--commercial { background: linear-gradient(135deg, hsl(2, 68%, 40%), hsl(2, 60%, 55%)); }
.loan-type-badge {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.85;
  margin-bottom: 0.25rem;
}
.loan-card-header h3 {
  font-size: 1.25rem;
  font-weight: 700;
}
.loan-card-body { padding: 1.25rem; }
.loan-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}
.loan-stat:last-of-type { margin-bottom: 0.5rem; }
.loan-stat-label { color: var(--muted-fg); font-size: 0.8rem; }
.loan-stat-value { font-weight: 600; }
.loan-feature {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.3rem 0;
  font-size: 0.875rem;
}
.feature-icon {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  color: var(--secondary);
}

.hero-cta { text-align: center; }
.hero-cta-text {
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 1rem;
  opacity: 0.95;
}

/* ============ PRODUCTS SECTION ============ */
.products-section {
  padding: 3rem 0;
  background: var(--primary);
  color: #fff;
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}
.product-category-title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--secondary);
  border-bottom: 1px solid rgba(255,255,255,0.15);
  padding-bottom: 0.5rem;
}
.product-list li { margin-bottom: 0.5rem; }
.product-list a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.8);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.product-list a::before { content: "›"; font-size: 1rem; }
.product-list a:hover { color: #fff; padding-left: 0.25rem; }

/* ============ WHY CHOOSE SECTION ============ */
.why-section {
  padding: 5rem 0;
  background: var(--muted);
}
.section-header {
  text-align: center;
  margin-bottom: 3rem;
}
.section-badge {
  display: inline-block;
  background: hsl(209, 83%, 21%, 0.1);
  color: var(--primary);
  padding: 0.3rem 1rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}
.section-title {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 800;
  color: var(--foreground);
  letter-spacing: -0.02em;
  margin-bottom: 0.5rem;
}
.section-subtitle {
  font-size: 1rem;
  color: var(--muted-fg);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.benefit-card {
  background: #fff;
  border-radius: 0.75rem;
  padding: 2rem 1.5rem;
  text-align: center;
  border: 1px solid var(--border);
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.benefit-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 1.25rem;
  background: hsl(209, 83%, 21%, 0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
}
.benefit-icon svg { width: 26px; height: 26px; }
.benefit-title {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--foreground);
}
.benefit-desc {
  font-size: 0.875rem;
  color: var(--muted-fg);
  line-height: 1.6;
}

/* ============ CALCULATOR ============ */
.calculator-section {
  padding: 5rem 0;
  background: #fff;
}
.calc-wrapper {
  max-width: 780px;
  margin: 0 auto;
}
.calc-card {
  border: 1px solid var(--border);
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.calc-header {
  background: var(--ocean-gradient);
  color: #fff;
  padding: 2rem;
  text-align: center;
}
.calc-header h3 {
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
}
.calc-header p { opacity: 0.85; font-size: 0.9rem; }
.calc-body { padding: 2rem; }
.calc-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}
.input-group { display: flex; flex-direction: column; gap: 0.4rem; }
.input-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--foreground);
}
.input-group label small {
  display: block;
  font-weight: 400;
  color: var(--muted-fg);
  font-size: 0.75rem;
  margin-top: 0.15rem;
}
.input-prefix {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}
.input-prefix:focus-within { border-color: var(--secondary); box-shadow: 0 0 0 3px hsl(204, 79%, 48%, 0.15); }
.input-prefix span {
  padding: 0 0.75rem;
  background: var(--muted);
  color: var(--muted-fg);
  font-size: 0.875rem;
  font-weight: 600;
  border-right: 1px solid var(--border);
  align-self: stretch;
  display: flex;
  align-items: center;
}
.input-prefix input {
  flex: 1;
  padding: 0.625rem 0.75rem;
  border: none;
  outline: none;
  font-size: 0.9rem;
  font-family: inherit;
  color: var(--foreground);
  background: transparent;
}

.calc-results {
  background: var(--muted);
  border-radius: var(--radius);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}
.result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}
.result-item:last-of-type { border-bottom: none; }
.result-label { color: var(--muted-fg); }
.result-value { font-weight: 700; color: var(--primary); }

.dscr-display {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 2px solid var(--border);
  text-align: center;
}
.dscr-ratio-wrapper {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 0.5rem;
}
.dscr-label { font-size: 0.9rem; color: var(--muted-fg); }
.dscr-value { font-size: 2.5rem; font-weight: 800; color: var(--primary); }
.dscr-status {
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}
.dscr-status.excellent { color: hsl(140, 70%, 30%); }
.dscr-status.acceptable { color: hsl(35, 90%, 40%); }
.dscr-status.below { color: var(--accent); }
.dscr-note { font-size: 0.8rem; color: var(--muted-fg); }

.calc-actions { display: flex; flex-direction: column; gap: 0.75rem; }

/* ============ CTA SECTION ============ */
.cta-section {
  padding: 5rem 0;
  background: var(--ocean-gradient);
  color: #fff;
  text-align: center;
}
.cta-title {
  font-size: clamp(1.5rem, 3vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}
.cta-subtitle {
  font-size: 1rem;
  opacity: 0.9;
  max-width: 560px;
  margin: 0 auto 2rem;
  line-height: 1.7;
}
.cta-actions {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 1rem;
}
.cta-hours { font-size: 0.85rem; opacity: 0.7; }

/* ============ FOOTER ============ */
.footer {
  background: var(--foreground);
  color: rgba(255,255,255,0.85);
  padding: 3.5rem 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand { }
.footer-logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.75rem;
}
.footer-logo img { height: 40px; width: auto; filter: brightness(0) invert(1); }
.footer-tagline { font-size: 0.875rem; opacity: 0.7; line-height: 1.6; max-width: 240px; }
.footer-heading {
  font-size: 0.875rem;
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1rem;
}
.footer-links { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-links li a {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.7);
  transition: var(--transition);
}
.footer-links li a:hover { color: #fff; padding-left: 0.25rem; }
.footer-bottom {
  padding: 1.25rem 0;
  text-align: center;
  font-size: 0.8rem;
  opacity: 0.5;
}

/* ============ RESPONSIVE ============ */
@media (max-width: 1024px) {
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; flex-direction: column; position: fixed; top: 70px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--border); padding: 1rem; gap: 0; box-shadow: 0 8px 24px rgba(0,0,0,0.1); }
  .nav-links.open { display: flex; }
  .nav-item { width: 100%; }
  .nav-link { justify-content: space-between; padding: 0.75rem 1rem; }
  .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; border-left: 2px solid var(--border); margin-left: 1rem; border-radius: 0; display: none; }
  .nav-item.open .dropdown-menu { display: block; }
  .logo-text { display: none; }
  .nav-actions { gap: 0.5rem; }
  .nav-phone { display: none; }
  .hamburger { display: flex; }

  .loan-cards { grid-template-columns: 1fr; max-width: 400px; margin-left: auto; margin-right: auto; }
  .products-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .benefits-grid { grid-template-columns: 1fr; }
  .calc-inputs { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-actions { flex-direction: column; align-items: center; }
}

@media (max-width: 480px) {
  .hero { padding: 90px 0 50px; }
  .hero-title { font-size: 1.75rem; }
  .products-section { padding: 2rem 0; }
}