/* ============================================================
   Allotment Loans US — style.css
   Light, minimal, bank-grade design (Chase/Discover feel)
   ============================================================ */

:root {
  --ink: #16283a;
  --body: #35485c;
  --muted: #63788c;
  --primary: #1554c0;
  --primary-dark: #0e3f92;
  --primary-soft: #eaf1fc;
  --green: #0e8a4e;
  --green-dark: #0b6e3f;
  --navy: #0e2438;
  --navy-2: #16334c;
  --bg: #ffffff;
  --bg-soft: #f4f8fb;
  --border: #e2eaf2;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 10px 30px rgba(22, 40, 58, 0.08);
  --shadow-sm: 0 4px 14px rgba(22, 40, 58, 0.06);
  --max: 1120px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--body);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  color: var(--ink);
  line-height: 1.22;
  letter-spacing: -0.015em;
  font-weight: 800;
}

h1 { font-size: clamp(2.05rem, 4.4vw, 3.1rem); }
h2 { font-size: clamp(1.55rem, 3vw, 2.15rem); }
h3 { font-size: 1.22rem; }

p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 22px; }

img, svg { vertical-align: middle; }

.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy); color: #fff; padding: 10px 16px; z-index: 200;
}
.skip-link:focus { left: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-weight: 700; font-size: 1.02rem;
  padding: 14px 28px; border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer; text-decoration: none !important;
  transition: background .18s ease, transform .18s ease, box-shadow .18s ease;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: var(--green); color: #fff !important;
  box-shadow: 0 8px 20px rgba(14, 138, 78, 0.28);
}
.btn-primary:hover { background: var(--green-dark); }

.btn-navy {
  background: var(--primary); color: #fff !important;
  box-shadow: 0 8px 20px rgba(21, 84, 192, 0.25);
}
.btn-navy:hover { background: var(--primary-dark); }

.btn-outline {
  background: transparent; color: var(--primary) !important;
  border-color: #c6d8f2;
}
.btn-outline:hover { background: var(--primary-soft); }

.btn-white { background: #fff; color: var(--navy) !important; }
.btn-white:hover { background: #e9f1f9; }

.btn-lg { padding: 17px 36px; font-size: 1.1rem; }
.btn-sm { padding: 9px 20px; font-size: .95rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; height: 74px;
}
.brand {
  display: flex; align-items: center; gap: 11px;
  text-decoration: none !important; flex-shrink: 0;
}
.brand-mark {
  width: 40px; height: 40px; border-radius: 11px;
  background: var(--navy); display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.brand-text {
  font-weight: 800; font-size: 1.16rem; color: var(--ink); letter-spacing: -0.01em;
  white-space: nowrap;
}
.brand-text b { color: var(--primary); font-weight: 800; }

.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav > a:not(.btn) {
  color: var(--ink); font-weight: 600; font-size: .98rem;
}
.main-nav > a:not(.btn):hover { color: var(--primary); text-decoration: none; }
.nav-cta { margin-left: 6px; }

.nav-toggle {
  display: none; background: none; border: 0; cursor: pointer; padding: 8px;
}
.nav-toggle span {
  display: block; width: 24px; height: 2.5px; background: var(--ink); margin: 5px 0;
  border-radius: 2px; transition: transform .2s ease, opacity .2s ease;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, #f7fafd 0%, #eef4fa 100%);
  border-bottom: 1px solid var(--border);
  padding: 74px 0 66px;
}
.hero-inner { max-width: 860px; margin: 0 auto; text-align: center; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--border);
  color: var(--primary); font-weight: 700; font-size: .9rem;
  padding: 8px 18px; border-radius: 999px; margin-bottom: 22px;
  box-shadow: var(--shadow-sm);
}
.hero h1 { margin-bottom: 18px; }
.hero h1 .accent { color: var(--primary); }
.lead {
  font-size: clamp(1.08rem, 1.8vw, 1.24rem); color: var(--body);
  max-width: 720px; margin: 0 auto 30px;
}
.hero-actions {
  display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 30px;
}
.hero-trust {
  display: flex; gap: 10px 26px; justify-content: center; flex-wrap: wrap;
  color: var(--muted); font-weight: 600; font-size: .92rem;
}
.trust-item { display: inline-flex; align-items: center; gap: 7px; }
.trust-item svg { color: var(--green); flex-shrink: 0; }

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section-alt { background: var(--bg-soft); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section-head { max-width: 720px; margin: 0 auto 44px; text-align: center; }
.section-head.left { text-align: left; margin-left: 0; }
.eyebrow {
  display: inline-block; color: var(--primary); font-weight: 800;
  text-transform: uppercase; letter-spacing: .09em; font-size: .82rem;
  margin-bottom: 12px;
}
.section-sub { margin-top: 14px; font-size: 1.06rem; color: var(--muted); }

/* ---------- Cards & grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }

.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow-sm);
}
.card h3 { margin-bottom: 10px; }
.card p { color: var(--body); font-size: .99rem; }
.section-alt .card { box-shadow: none; }

.step-num {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--primary-soft); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.15rem; margin-bottom: 18px;
}
.icon-badge {
  width: 52px; height: 52px; border-radius: 13px;
  background: var(--primary-soft); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.icon-badge svg { width: 26px; height: 26px; }

/* ---------- Checklist ---------- */
.check-list {
  list-style: none; display: grid; grid-template-columns: 1fr 1fr;
  gap: 13px 34px; margin-top: 10px;
}
.check-list li {
  display: grid; grid-template-columns: auto 1fr; gap: 2px 12px;
  align-items: start; color: var(--ink); font-weight: 600; font-size: 1.01rem;
}
.check-list li svg { grid-row: 1; color: var(--green); margin-top: 3px; }
.check-list li span { grid-column: 2; }
.check-list li small {
  grid-column: 2; display: block; font-weight: 400;
  color: var(--muted); font-size: .9rem; line-height: 1.45;
}

/* ---------- Data table ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); background: #fff; }
.data-table { width: 100%; border-collapse: collapse; font-size: .99rem; min-width: 520px; }
.data-table th, .data-table td { padding: 15px 22px; text-align: left; border-bottom: 1px solid var(--border); }
.data-table th { background: var(--bg-soft); color: var(--ink); font-weight: 700; white-space: nowrap; }
.data-table tr:last-child td { border-bottom: 0; }
.data-table td:first-child { font-weight: 600; color: var(--ink); white-space: nowrap; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--navy); padding: 62px 0; }
.cta-band-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 28px; flex-wrap: wrap;
}
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: #b9cadd; font-size: 1.05rem; margin: 0; }

/* ---------- Inline CTA ---------- */
.inline-cta {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  flex-wrap: wrap; background: var(--primary-soft);
  border: 1px solid #d4e2f7; border-radius: var(--radius);
  padding: 26px 30px; margin: 40px 0 0;
}
.inline-cta p { margin: 0; font-weight: 700; color: var(--ink); font-size: 1.08rem; }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin: 0 auto; }
.faq-item {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm);
  margin-bottom: 12px; overflow: hidden;
}
.section-alt .faq-item { background: #fff; }
.faq-item summary {
  cursor: pointer; list-style: none; padding: 19px 52px 19px 22px;
  font-weight: 700; color: var(--ink); position: relative; font-size: 1.02rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: ""; position: absolute; right: 22px; top: 50%;
  width: 9px; height: 9px; border-right: 2.5px solid var(--primary); border-bottom: 2.5px solid var(--primary);
  transform: translateY(-70%) rotate(45deg); transition: transform .18s ease;
}
.faq-item[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.faq-item .faq-body { padding: 0 22px 20px; color: var(--body); font-size: .99rem; }

/* ---------- States grid ---------- */
.states-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 11px;
}
.state-link {
  display: flex; align-items: center; justify-content: space-between; gap: 8px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: 12px 16px; font-weight: 600; font-size: .95rem; color: var(--ink);
  text-decoration: none !important; transition: border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.state-link:hover { border-color: var(--primary); box-shadow: var(--shadow-sm); transform: translateY(-1px); color: var(--primary); }
.state-link .arr { color: var(--primary); font-weight: 800; }
.section-alt .state-link { background: #fff; }

/* ---------- Breadcrumbs / page hero ---------- */
.page-hero {
  background: linear-gradient(180deg, #f7fafd 0%, #eef4fa 100%);
  border-bottom: 1px solid var(--border); padding: 44px 0 54px;
}
.breadcrumbs {
  font-size: .88rem; color: var(--muted); margin-bottom: 20px; font-weight: 600;
}
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--primary); }
.page-hero h1 { margin-bottom: 14px; max-width: 820px; }
.page-hero .lead { margin: 0 0 28px; max-width: 760px; }

/* ---------- Prose ---------- */
.prose { max-width: 800px; margin: 0 auto; }
.prose h2 { margin: 44px 0 16px; font-size: 1.65rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 30px 0 12px; }
.prose ul, .prose ol { padding-left: 24px; margin-bottom: 1em; }
.prose li { margin-bottom: 7px; }
.note {
  font-size: .87rem; color: var(--muted); border-left: 3px solid var(--border);
  padding: 4px 0 4px 16px; margin-top: 22px;
}

/* ---------- Application form ---------- */
.form-layout { max-width: 880px; margin: 0 auto; }
.form-side {
  display: grid; grid-template-columns: 1fr 1fr; gap: 30px;
  align-items: start; margin-bottom: 34px;
}
.form-frame-wrap {
  border: 1px solid var(--border); border-radius: var(--radius);
  background: #fff; box-shadow: var(--shadow); overflow: hidden;
}
.form-frame-head {
  display: flex; align-items: center; gap: 10px;
  padding: 15px 24px; background: var(--bg-soft); border-bottom: 1px solid var(--border);
  font-weight: 700; color: var(--ink); font-size: .95rem;
}
.form-frame-head .lock { color: var(--green); }
.form-placeholder {
  padding: 90px 30px; text-align: center; color: var(--muted);
  background: repeating-linear-gradient(45deg, #fafcfe, #fafcfe 14px, #f3f7fb 14px, #f3f7fb 28px);
}
.form-placeholder .icon-badge { margin: 0 auto 16px; }

/* ---------- About / contact ---------- */
.contact-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 34px; box-shadow: var(--shadow-sm); margin-top: 30px;
}
.contact-row { display: flex; gap: 15px; align-items: flex-start; padding: 13px 0; border-bottom: 1px solid var(--border); }
.contact-row:last-child { border-bottom: 0; }
.contact-row svg { color: var(--primary); flex-shrink: 0; margin-top: 3px; }
.contact-row b { display: block; color: var(--ink); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #b9cadd; font-size: .93rem; }
.footer-grid {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 44px;
  padding: 58px 0 40px;
}
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 16px; }
.footer-brand { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.footer-brand .brand-mark { background: rgba(255,255,255,.1); }
.footer-brand .brand-text { color: #fff; }
.footer-brand .brand-text b { color: #7db3f5; }
.footer-about p { color: #9fb4c9; }
.site-footer ul { list-style: none; }
.site-footer ul li { margin-bottom: 9px; }
.site-footer ul a { color: #c8d7e6; }
.site-footer ul a:hover { color: #fff; }
.states-footer {
  border-top: 1px solid rgba(255, 255, 255, 0.12); padding: 34px 0 30px;
}
.states-footer h4 { color: #fff; margin-bottom: 16px; font-size: 1rem; }
.states-footer-list ul {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 6px 20px;
}
.states-footer-list a { color: #9fb4c9; font-size: .88rem; }
.states-footer-list a:hover { color: #fff; text-decoration: underline; }
.footer-disclaimer {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 26px 0; color: #7d94ab; font-size: .8rem; line-height: 1.6;
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.footer-bottom .container {
  padding-top: 20px; padding-bottom: 26px;
  display: flex; justify-content: space-between;
  gap: 12px; flex-wrap: wrap; color: #7d94ab; font-size: .85rem;
}
.footer-bottom a { color: #a9bdd2; }

/* ---------- Mobile sticky CTA ---------- */
.mobile-cta {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, 0.97);
  border-top: 1px solid var(--border);
  box-shadow: 0 -8px 24px rgba(22, 40, 58, 0.1);
}
.mobile-cta .btn { width: 100%; }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .states-grid { grid-template-columns: repeat(3, 1fr); }
  .states-footer-list ul { grid-template-columns: repeat(4, 1fr); }
}

@media (max-width: 860px) {
  .main-nav {
    display: none; position: absolute; top: 74px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--border);
    flex-direction: column; align-items: stretch; gap: 0;
    padding: 12px 22px 20px; box-shadow: var(--shadow);
  }
  body.nav-open .main-nav { display: flex; }
  .main-nav > a:not(.btn) { padding: 13px 4px; border-bottom: 1px solid var(--border); }
  .nav-cta { margin: 16px 0 0; }
  .nav-toggle { display: block; }
  body.nav-open .nav-toggle span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
  body.nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
  body.nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

  .grid-3 { grid-template-columns: 1fr; }
  .check-list { grid-template-columns: 1fr; }
  .cta-band-inner { flex-direction: column; text-align: center; }
  .inline-cta { flex-direction: column; text-align: center; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; padding: 44px 0 30px; }
  .states-footer-list ul { grid-template-columns: repeat(3, 1fr); }
  .form-side { grid-template-columns: 1fr; }
  .section { padding: 54px 0; }
  .hero { padding: 52px 0 50px; }
  .mobile-cta { display: block; }
  body { padding-bottom: 76px; }
}

@media (max-width: 560px) {
  .states-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: 1fr; }
  .states-footer-list ul { grid-template-columns: repeat(2, 1fr); }
  .hero-actions .btn { width: 100%; }
  .brand-text { font-size: 1.02rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn, .state-link { transition: none; }
}