/* ============================================================
   FastAdvance Financial — Amber/Gold Theme
   Primary: #F59E0B  Accent: #DC6B19  Dark: #1C1917
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

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

:root {
  --brown: #1C1917;
  --brown-mid: #292524;
  --amber: #F59E0B;
  --amber-dark: #D97706;
  --amber-light: #FEF3C7;
  --orange: #EA580C;
  --white: #FFFFFF;
  --light: #FFFBF5;
  --gray: #78716C;
  --gray-dark: #44403C;
  --border: #E7E5E4;
  --success: #16A34A;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(28,25,23,0.10);
  --shadow-lg: 0 12px 48px rgba(28,25,23,0.16);
  --transition: 0.22s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; font-size: 16px; line-height: 1.6; color: var(--gray-dark); background: var(--white); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--amber-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--amber); }
ul { list-style: none; }

h1,h2,h3,h4,h5,h6 { color: var(--brown); font-weight: 700; line-height: 1.25; }
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
p { color: var(--gray); line-height: 1.75; }

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }

/* ── Buttons ── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 32px; border-radius: var(--radius); font-weight: 700; font-size: 1rem; border: 2px solid transparent; cursor: pointer; transition: all var(--transition); white-space: nowrap; font-family: 'Inter', sans-serif; }
.btn-primary { background: var(--amber); color: var(--brown); border-color: var(--amber); }
.btn-primary:hover { background: var(--amber-dark); border-color: var(--amber-dark); color: var(--brown); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(245,158,11,0.4); }
.btn-outline { background: transparent; color: var(--amber); border-color: var(--amber); }
.btn-outline:hover { background: var(--amber); color: var(--brown); transform: translateY(-2px); }
.btn-white { background: var(--white); color: var(--brown); border-color: var(--white); }
.btn-white:hover { background: var(--amber); color: var(--brown); border-color: var(--amber); transform: translateY(-2px); }
.btn-lg { padding: 18px 44px; font-size: 1.1rem; border-radius: var(--radius-lg); }
.btn-full { width: 100%; }
.btn-pulse { animation: pulse-amber 2.2s infinite; }
@keyframes pulse-amber { 0%,100% { box-shadow: 0 0 0 0 rgba(245,158,11,0.5); } 50% { box-shadow: 0 0 0 14px rgba(245,158,11,0); } }

/* ── Navigation ── */
.navbar { position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,0.97); backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); box-shadow: 0 2px 16px rgba(28,25,23,0.06); }
.navbar-inner { display: flex; align-items: center; justify-content: space-between; padding: 12px 24px; max-width: 1160px; margin: 0 auto; }
.navbar-logo img { height: 68px; width: auto; }
.navbar-links { display: flex; align-items: center; gap: 32px; }
.navbar-links a { color: var(--gray-dark); font-weight: 500; font-size: 0.95rem; }
.navbar-links a:hover { color: var(--amber); }
.navbar-cta { margin-left: 16px; }
.mobile-menu-btn { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; padding: 4px; }
.mobile-menu-btn span { display: block; width: 24px; height: 2px; background: var(--brown); border-radius: 2px; transition: all var(--transition); }
.mobile-nav { display: none; }

/* ── Hero ── */
.hero { background: linear-gradient(135deg, var(--brown) 0%, var(--brown-mid) 50%, #1A0F00 100%); padding: 100px 0 80px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -30%; right: -5%; width: 700px; height: 700px; background: radial-gradient(circle, rgba(245,158,11,0.15) 0%, transparent 70%); pointer-events: none; }
.hero::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 60px; background: var(--white); clip-path: ellipse(55% 100% at 50% 100%); }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(245,158,11,0.15); border: 1px solid rgba(245,158,11,0.3); color: var(--amber); padding: 6px 16px; border-radius: 50px; font-size: 0.85rem; font-weight: 600; margin-bottom: 24px; }
.hero-badge::before { content: '●'; font-size: 0.6rem; animation: blink 1.5s infinite; }
@keyframes blink { 0%,100% { opacity:1; } 50% { opacity:0.3; } }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--amber); }
.hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 36px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.hero-trust-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.65); font-size: 0.875rem; }

/* ── Calculator Card ── */
.calculator-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(245,158,11,0.2); border-radius: 24px; padding: 36px; backdrop-filter: blur(10px); }
.calc-title { color: var(--white); font-size: 1.1rem; font-weight: 700; margin-bottom: 24px; }
.loan-amount-display { font-size: 3rem; font-weight: 800; color: var(--amber); text-align: center; margin: 16px 0; }
input[type="range"] { width: 100%; height: 6px; border-radius: 3px; outline: none; cursor: pointer; margin: 16px 0; -webkit-appearance: none; background: linear-gradient(to right, var(--amber) 0%, var(--amber) 50%, rgba(255,255,255,0.2) 50%, rgba(255,255,255,0.2) 100%); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--amber); border: 3px solid var(--white); box-shadow: 0 2px 8px rgba(0,0,0,0.3); cursor: pointer; }
.term-options { display: flex; gap: 10px; margin: 16px 0; }
.term-box { flex: 1; padding: 10px; border: 1px solid rgba(255,255,255,0.2); border-radius: 10px; color: rgba(255,255,255,0.7); font-size: 0.85rem; font-weight: 600; text-align: center; cursor: pointer; transition: all var(--transition); }
.term-box.active, .term-box:hover { background: var(--amber); color: var(--brown); border-color: var(--amber); }
.calc-disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.4); margin-top: 12px; }

/* ── Sections ── */
.section-label { font-size: 0.85rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--amber-dark); margin-bottom: 12px; display: block; }
h2.section-title { text-align: center; margin-bottom: 16px; }
.section-subtitle { text-align: center; max-width: 600px; margin: 0 auto 56px; font-size: 1.05rem; }
.text-center { text-align: center; }

/* ── Steps ── */
.steps-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.step-card { text-align: center; padding: 40px 28px; background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); transition: all var(--transition); position: relative; }
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--amber); }
.step-number { width: 56px; height: 56px; background: var(--amber); color: var(--brown); font-size: 1.4rem; font-weight: 800; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; }
.step-card h3 { margin-bottom: 12px; }

/* ── Features ── */
.features-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.feature-card { padding: 32px 24px; background: var(--light); border-radius: var(--radius-lg); border: 1px solid var(--border); transition: all var(--transition); }
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--amber); }
.feature-icon { font-size: 2.2rem; margin-bottom: 16px; }
.feature-card h3 { font-size: 1.1rem; margin-bottom: 8px; }

/* ── Testimonials ── */
.testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.testimonial-card { padding: 32px; background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); box-shadow: var(--shadow); transition: all var(--transition); }
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.stars { color: var(--amber); font-size: 1.1rem; margin-bottom: 16px; letter-spacing: 2px; }
.testimonial-card p { font-style: italic; margin-bottom: 20px; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--amber-light); display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--amber-dark); font-size: 1rem; }
.reviewer-name { font-weight: 600; color: var(--brown); font-size: 0.95rem; }
.reviewer-location { font-size: 0.8rem; color: var(--gray); }

/* ── CTA Section ── */
.cta-section { background: linear-gradient(135deg, var(--brown) 0%, #2C1A00 100%); padding: 80px 0; text-align: center; }
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.7); margin-bottom: 36px; font-size: 1.05rem; }

/* ── Apply Form ── */
.apply-section { background: var(--light); padding: 80px 0; }
.form-wrapper { max-width: 680px; margin: 0 auto; background: var(--white); border-radius: 24px; padding: 48px; box-shadow: var(--shadow-lg); border: 1px solid var(--border); }
.progress-bar { display: flex; align-items: center; margin-bottom: 40px; }
.progress-step { width: 36px; height: 36px; border-radius: 50%; background: var(--border); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.9rem; color: var(--gray); transition: all var(--transition); }
.progress-step.active { background: var(--amber); color: var(--brown); }
.progress-step.done { background: var(--success); color: var(--white); }
.progress-line { flex: 1; height: 3px; background: var(--border); transition: background var(--transition); }
.progress-line.done { background: var(--success); }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h3 { margin-bottom: 8px; }
.form-step > p { margin-bottom: 28px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.9rem; color: var(--gray-dark); }
.form-group input, .form-group select { width: 100%; padding: 13px 16px; border: 1.5px solid var(--border); border-radius: var(--radius); font-size: 1rem; font-family: 'Inter', sans-serif; color: var(--gray-dark); transition: border-color var(--transition); background: var(--white); }
.form-group input:focus, .form-group select:focus { outline: none; border-color: var(--amber); box-shadow: 0 0 0 3px rgba(245,158,11,0.15); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-nav { display: flex; gap: 16px; margin-top: 28px; }
.form-disclaimer { font-size: 0.78rem; color: var(--gray); margin-top: 20px; line-height: 1.6; }
.btn-next, .btn-prev { padding: 14px 28px; border-radius: var(--radius); font-weight: 700; cursor: pointer; border: none; font-family: 'Inter', sans-serif; font-size: 1rem; transition: all var(--transition); }
.btn-next { background: var(--amber); color: var(--brown); flex: 1; }
.btn-next:hover { background: var(--amber-dark); transform: translateY(-1px); }
.btn-prev { background: var(--light); color: var(--gray-dark); border: 1.5px solid var(--border); }
.btn-prev:hover { background: var(--border); }

/* ── Trust Bar ── */
.trust-bar { background: var(--light); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 20px 0; }
.trust-items { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 10px; color: var(--gray-dark); font-size: 0.9rem; font-weight: 500; }
.trust-icon { font-size: 1.3rem; }

/* ── FAQ ── */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; transition: box-shadow var(--transition); }
.faq-item:hover { box-shadow: var(--shadow); }
.faq-item.open { border-color: var(--amber); }
.faq-question { width: 100%; background: var(--white); border: none; padding: 20px 24px; display: flex; justify-content: space-between; align-items: center; cursor: pointer; font-weight: 600; font-size: 1rem; color: var(--brown); font-family: 'Inter', sans-serif; text-align: left; }
.faq-icon { font-size: 1.4rem; color: var(--amber); font-weight: 300; transition: transform var(--transition); flex-shrink: 0; margin-left: 16px; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer-inner { padding: 0 24px 20px; color: var(--gray); line-height: 1.75; }

/* ── Footer ── */
.footer { background: var(--brown); color: rgba(255,255,255,0.65); padding: 60px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand p { margin: 16px 0 24px; font-size: 0.875rem; max-width: 280px; }
.footer-logo img { height: 56px; width: auto; }
.footer-col h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 20px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { color: rgba(255,255,255,0.6); font-size: 0.875rem; transition: color var(--transition); }
.footer-col a:hover { color: var(--amber); }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.1); margin-bottom: 28px; }
.footer-bottom { display: flex; align-items: flex-start; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer-legal { font-size: 0.78rem; max-width: 680px; line-height: 1.7; }
.footer-links { display: flex; gap: 20px; flex-shrink: 0; }
.footer-links a { color: rgba(255,255,255,0.55); font-size: 0.85rem; }
.footer-links a:hover { color: var(--amber); }

/* ── State Exclusion / Notices ── */
.state-exclusion { background: #FEF3C7; border: 1px solid #F59E0B; border-radius: var(--radius); padding: 16px 20px; margin-bottom: 24px; font-size: 0.9rem; color: #92400E; }
.notice-box { background: var(--amber-light); border: 1px solid var(--amber); border-radius: var(--radius); padding: 16px 20px; margin: 20px 0; font-size: 0.9rem; color: #78350F; }
.prose-section { max-width: 800px; margin: 0 auto; padding: 60px 24px; }
.prose-section h2 { margin: 36px 0 12px; font-size: 1.3rem; }
.prose-section h3 { margin: 24px 0 8px; font-size: 1.1rem; }
.prose-section p, .prose-section ul { margin-bottom: 16px; }
.prose-section ul { padding-left: 20px; list-style: disc; }
.prose-section a { color: var(--amber-dark); }
.last-updated { font-size: 0.85rem; color: var(--gray); margin-bottom: 24px; }

/* ── Inner Hero ── */
.inner-hero { background: linear-gradient(135deg, var(--brown) 0%, #2C1A00 100%); padding: 64px 0 48px; }
.inner-hero h1 { color: var(--white); font-size: clamp(1.8rem, 4vw, 2.6rem); margin-bottom: 12px; }
.inner-hero p { color: rgba(255,255,255,0.7); font-size: 1.05rem; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 16px; font-size: 0.875rem; }
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: var(--amber); }
.breadcrumb span { color: rgba(255,255,255,0.4); }

/* ── Stats ── */
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 28px; }
.stat-card { text-align: center; padding: 32px 20px; }
.stat-number { font-size: 2.4rem; font-weight: 800; color: var(--amber); margin-bottom: 6px; }
.stat-label { font-size: 0.875rem; color: var(--gray); }

/* ── Responsive ── */
@media (max-width: 900px) {
  .hero-inner, .steps-grid, .features-grid, .testimonials-grid, .footer-grid, .stats-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .navbar-links, .navbar-cta { display: none; }
  .mobile-menu-btn { display: flex; }
  .hero { padding: 72px 0 56px; }
  .trust-items { gap: 20px; }
}