/* ===========================
   CSS Reset & Base Styles
   =========================== */

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

:root {
    --navy: #0F1F3D;
    --white: #FFFFFF;
    --accent: #C9A84C;
    --light-gray: #F5F5F5;
    --text-dark: #1A1A1A;
    --text-light: #666666;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', sans-serif;
    line-height: 1.6;
    color: var(--text-dark);
    font-size: 16px;
    overflow-x: hidden;
}

h1, h2, h3 {
    font-family: 'Playfair Display', serif;
    font-weight: 700;
    line-height: 1.2;
}

a {
    text-decoration: none;
    color: inherit;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}

/* ===========================
   Navigation
   =========================== */

.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: var(--white);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
    z-index: 1000;
    transition: all 0.3s ease;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.25rem 2rem;
}

.logo {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy);
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 2.5rem;
}

.nav-links a {
    color: var(--text-dark);
    font-weight: 500;
    transition: color 0.3s ease;
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent);
    transition: width 0.3s ease;
}

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

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

.nav-toggle {
    display: none;
    flex-direction: column;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
}

.nav-toggle span {
    width: 25px;
    height: 3px;
    background: var(--navy);
    margin: 3px 0;
    transition: all 0.3s ease;
}

/* ===========================
   Hero Section
   =========================== */

.hero {
    background: var(--navy);
    color: var(--white);
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 8rem 2rem 4rem;
}

.hero-content {
    max-width: 800px;
}

.hero-title {
    font-size: 3.5rem;
    margin-bottom: 1.5rem;
    color: var(--white);
}

.hero-subtitle {
    font-size: 1.25rem;
    line-height: 1.8;
    margin-bottom: 2.5rem;
    color: rgba(255, 255, 255, 0.9);
    font-weight: 300;
}

.btn {
    display: inline-block;
    padding: 1rem 2.5rem;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 4px;
    transition: all 0.3s ease;
    cursor: pointer;
}

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

.btn-primary:hover {
    background: #B59540;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(201, 168, 76, 0.3);
}

/* ===========================
   Sections
   =========================== */

section {
    padding: 6rem 0;
}

.section-heading {
    font-size: 2.75rem;
    text-align: center;
    margin-bottom: 3rem;
    color: var(--navy);
}

.section-intro {
    max-width: 800px;
    margin: 0 auto 3rem;
    text-align: center;
    font-size: 1.125rem;
    line-height: 1.8;
    color: var(--text-light);
}

/* ===========================
   About Section
   =========================== */

.about {
    background: var(--light-gray);
}

.about .section-intro {
    font-size: 1.125rem;
    line-height: 1.9;
    color: var(--text-dark);
}

/* ===========================
   Credit Info Section
   =========================== */

.credit-info {
    background: var(--white);
}

/* ===========================
   Card Grid
   =========================== */

.card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.card {
    background: var(--white);
    padding: 2.5rem;
    border-radius: 8px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
}

.card h3 {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: var(--navy);
}

.card p {
    color: var(--text-light);
    line-height: 1.8;
}

.credit-info .card {
    background: var(--light-gray);
}

/* ===========================
   Services Section
   =========================== */

.services {
    background: var(--light-gray);
}

/* ===========================
   Qualify Section
   =========================== */

.qualify {
    background: #E8E8E8;
}

.checklist {
    list-style: none;
    max-width: 700px;
    margin: 0 auto 3rem;
    text-align: left;
}

.checklist li {
    padding: 1rem 0 1rem 3rem;
    position: relative;
    font-size: 1.125rem;
    line-height: 1.8;
    color: var(--text-dark);
}

.checklist li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 1rem;
    width: 2rem;
    height: 2rem;
    background: var(--accent);
    color: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 1.25rem;
}

.qualify .btn {
    display: block;
    margin: 0 auto;
    width: fit-content;
}

/* ===========================
   Contact Section
   =========================== */

.contact {
    background: var(--navy);
    color: var(--white);
}

.contact .section-heading {
    color: var(--white);
}

.contact .section-intro {
    color: rgba(255, 255, 255, 0.9);
}

.contact-info {
    text-align: center;
    font-size: 1.25rem;
    margin-top: 2rem;
}

.contact-info a {
    color: var(--accent);
    text-decoration: underline;
    transition: color 0.3s ease;
}

.contact-info a:hover {
    color: #B59540;
}

/* ===========================
   Footer
   =========================== */

.footer {
    background: var(--navy);
    color: rgba(255, 255, 255, 0.7);
    text-align: center;
    padding: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

/* ===========================
   Responsive Design
   =========================== */

@media (max-width: 768px) {
    .nav-toggle {
        display: flex;
    }

    .nav-links {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        flex-direction: column;
        background: var(--white);
        padding: 2rem;
        gap: 1.5rem;
        box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
        transform: translateY(-100%);
        opacity: 0;
        pointer-events: none;
        transition: all 0.3s ease;
    }

    .nav-links.active {
        transform: translateY(0);
        opacity: 1;
        pointer-events: all;
    }

    .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(7px, -6px);
    }

    .hero-title {
        font-size: 2.5rem;
    }

    .hero-subtitle {
        font-size: 1.125rem;
    }

    .section-heading {
        font-size: 2rem;
    }

    .card-grid {
        grid-template-columns: 1fr;
    }

    section {
        padding: 4rem 0;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 1.5rem;
    }

    .hero-title {
        font-size: 2rem;
    }

    .hero-subtitle {
        font-size: 1rem;
    }

    .section-heading {
        font-size: 1.75rem;
    }

    .btn {
        padding: 0.875rem 2rem;
        font-size: 0.95rem;
    }
}