/* Bridge Financing Group */

:root {
  --navy: #0d1f33;
  --navy-deep: #091626;
  --ink: #1c2733;
  --ink-muted: #5b6875;
  --line: #e4e0d8;
  --paper: #ffffff;
  --sand: #f7f4ee;
  --gold: #b8924d;
  --gold-deep: #9a7736;
  --green: #1e7a4f;
  --radius: 12px;
  --shadow: 0 10px 30px rgba(13, 31, 51, 0.10);
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

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

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

.wrap { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

h1, h2, h3 { font-family: var(--font-display); font-weight: 600; line-height: 1.15; color: var(--navy); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 32px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold));
}

.section { padding: 84px 0; }
.section.alt { background: var(--sand); }
.section-head { max-width: 640px; margin-bottom: 48px; }
.section-head h2 { font-size: clamp(28px, 4vw, 38px); margin-bottom: 12px; }
.section-head p { color: var(--ink-muted); font-size: 17px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: 8px;
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: background 0.15s ease, border-color 0.15s ease, transform 0.15s ease;
  text-decoration: none !important;
}
.btn-primary {
  background: linear-gradient(180deg, #cda45f 0%, #b8924d 48%, #a37e3c 100%);
  color: #fff;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.35), 0 8px 20px rgba(184, 146, 77, 0.30);
}
.btn-primary:hover { filter: brightness(1.07); transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--navy); border-color: rgba(13, 31, 51, 0.25); }
.btn-outline:hover { border-color: var(--navy); }
.btn-outline.on-dark { color: #fff; border-color: rgba(255, 255, 255, 0.35); }
.btn-outline.on-dark:hover { border-color: #fff; }
.btn-lg { padding: 17px 34px; font-size: 17px; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  height: 72px;
  gap: 44px;
  max-width: none;
  padding: 0 44px;
}
.site-header .header-cta { margin-left: auto; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none !important; }
.brand .brand-mark { height: 48px; width: auto; }
.brand .b-text { display: flex; align-items: baseline; gap: 6px; line-height: 1.15; white-space: nowrap; }
.brand .b-word, .brand .b-sub {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 21px;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { font-size: 15px; font-weight: 500; color: var(--ink); text-decoration: none; white-space: nowrap; }
.nav-links a:hover { color: var(--gold-deep); }
.header-cta { display: flex; align-items: center; gap: 14px; }
.header-phone { font-weight: 600; font-size: 15px; color: var(--navy); white-space: nowrap; }
.header-phone:hover { color: var(--gold-deep); text-decoration: none; }
.header-cta .btn { padding: 10px 20px; font-size: 15px; }

/* Hero */
.hero {
  background:
    linear-gradient(165deg, rgba(9, 22, 38, 0.94) 0%, rgba(13, 31, 51, 0.72) 55%, rgba(9, 22, 38, 0.90) 100%),
    url("assets/hero2.jpg") center 70% / cover no-repeat;
  background-color: var(--navy-deep);
  color: #fff;
  padding: 128px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 85% 10%, rgba(184, 146, 77, 0.16), transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 95%, rgba(184, 146, 77, 0.08), transparent 60%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 1; }
.hero .eyebrow { color: var(--gold); }
.hero h1 {
  color: #fff;
  font-size: clamp(38px, 6vw, 66px);
  letter-spacing: -0.01em;
  max-width: 760px;
  margin-bottom: 22px;
  text-shadow: 0 2px 24px rgba(9, 22, 38, 0.45);
}
.hero h1 em { font-style: italic; color: var(--gold); }
.hero .lede {
  font-size: 19px;
  color: rgba(255, 255, 255, 0.82);
  max-width: 560px;
  margin-bottom: 36px;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 44px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 28px; padding: 0; list-style: none; }
.hero-points li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 14.5px;
  color: rgba(255, 255, 255, 0.75);
}
.hero-points svg { flex-shrink: 0; }

/* Stats band */
.stats {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  padding: 52px 0;
}
.stats .wrap {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat { text-align: center; position: relative; }
.stat + .stat::before {
  content: "";
  position: absolute;
  left: -12px;
  top: 10%;
  height: 80%;
  width: 1px;
  background: linear-gradient(180deg, transparent, rgba(184, 146, 77, 0.55), transparent);
}
.stat .num { font-family: var(--font-display); font-size: 48px; font-weight: 600; color: var(--navy); line-height: 1.1; }
.stat .lbl { font-size: 13.5px; color: var(--ink-muted); margin-top: 8px; }

/* Cards */
.grid { display: grid; gap: 24px; }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 28px;
  box-shadow: 0 1px 2px rgba(13, 31, 51, 0.04), 0 14px 34px rgba(13, 31, 51, 0.06);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: 0 2px 4px rgba(13, 31, 51, 0.05), 0 22px 48px rgba(13, 31, 51, 0.10);
}
.card h3 { font-size: 20px; margin-bottom: 10px; }
.card p { color: var(--ink-muted); font-size: 15px; }
.card .icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--sand);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--navy);
}
.section.alt .card { border-color: #dcd6ca; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step .step-num {
  font-family: var(--font-display);
  font-size: 44px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 14px;
}
.step h3 { font-size: 18px; margin-bottom: 8px; }
.step p { font-size: 14.5px; color: var(--ink-muted); }
.step .tag {
  display: inline-block;
  margin-top: 10px;
  font-size: 12px;
  font-weight: 600;
  color: var(--green);
  background: rgba(30, 122, 79, 0.09);
  padding: 3px 10px;
  border-radius: 99px;
}

/* Terms table */
.terms-frame {
  border: 1px solid rgba(184, 146, 77, 0.45);
  border-radius: 18px;
  padding: 7px;
}
.terms-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.terms-table th, .terms-table td { padding: 18px 24px; text-align: left; font-size: 15.5px; }
.terms-table tr + tr { border-top: 1px solid var(--line); }
.terms-table th { width: 40%; color: var(--ink-muted); font-weight: 500; vertical-align: top; }
.terms-table td { color: var(--navy); font-weight: 600; }
.terms-note { font-size: 13.5px; color: var(--ink-muted); margin-top: 16px; }

/* Quote */
.quote-band {
  background:
    linear-gradient(rgba(9, 22, 38, 0.88), rgba(13, 31, 51, 0.88)),
    url("assets/quote.jpg") center / cover no-repeat;
  background-color: var(--navy);
  color: #fff;
  padding: 110px 0;
  text-align: center;
}
.quote-band blockquote { font-family: var(--font-display); font-size: clamp(26px, 4vw, 40px); font-style: italic; max-width: 760px; margin: 0 auto 18px; line-height: 1.3; text-shadow: 0 2px 20px rgba(9, 22, 38, 0.5); }
.quote-band cite { font-style: normal; font-size: 13px; color: var(--gold); letter-spacing: 0.14em; text-transform: uppercase; }
.quote-band cite::before, .quote-band cite::after {
  content: "";
  display: inline-block;
  vertical-align: middle;
  width: 28px;
  height: 1px;
  background: rgba(184, 146, 77, 0.6);
  margin: 0 12px;
}

/* Team */
.team-card { display: flex; flex-direction: column; }
.team-card .monogram {
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, #16304d, var(--navy-deep));
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  border: 1px solid rgba(184, 146, 77, 0.5);
  box-shadow: 0 0 0 4px rgba(184, 146, 77, 0.12);
}
.team-card .role { font-size: 13px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 12px; }
.team-card h3 { margin-bottom: 2px; }

/* FAQ */
.faq-list { max-width: 780px; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  padding: 22px 4px;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-family: var(--font-body);
  font-size: 22px;
  font-weight: 400;
  color: var(--gold-deep);
  flex-shrink: 0;
  transition: transform 0.2s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body { padding: 0 4px 24px; color: var(--ink-muted); font-size: 15.5px; max-width: 680px; }
.faq-item .faq-body p + p { margin-top: 10px; }

/* Final CTA */
.cta-final {
  background:
    radial-gradient(ellipse 70% 60% at 50% 0%, rgba(184, 146, 77, 0.16), transparent 65%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 70%);
  color: #fff;
  text-align: center;
  padding: 110px 0;
}
.cta-final h2 { color: #fff; font-size: clamp(28px, 4.4vw, 42px); max-width: 640px; margin: 0 auto 16px; }
.cta-final p { color: rgba(255, 255, 255, 0.78); font-size: 18px; max-width: 520px; margin: 0 auto 36px; }
.cta-final .hero-ctas { justify-content: center; margin-bottom: 0; }

/* Footer */
.site-footer { background: var(--navy-deep); color: rgba(255, 255, 255, 0.72); padding: 56px 0 40px; font-size: 14.5px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.site-footer h4 { font-size: 12px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; }
.site-footer a { color: rgba(255, 255, 255, 0.72); }
.site-footer a:hover { color: #fff; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 10px; }
.footer-brand .footer-logo { height: 52px; width: auto; display: block; margin-bottom: 16px; }
.footer-brand .b-word { font-family: var(--font-display); font-weight: 700; font-size: 20px; color: #fff; }
.footer-brand p { margin-top: 12px; max-width: 340px; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, 0.12); padding-top: 28px; font-size: 12.5px; color: rgba(255, 255, 255, 0.45); }
.footer-legal p + p { margin-top: 10px; }

/* Apply page: split screen */
.apply-shell { display: grid; grid-template-columns: minmax(380px, 44%) 1fr; min-height: calc(100vh - 72px); }
.apply-left {
  background:
    linear-gradient(170deg, rgba(9, 22, 38, 0.95) 0%, rgba(13, 31, 51, 0.86) 60%, rgba(9, 22, 38, 0.94) 100%),
    url("assets/apply.jpg") center / cover no-repeat;
  background-color: var(--navy-deep);
  color: #fff;
  padding: 72px 56px;
}
.apply-left-inner { position: sticky; top: 104px; max-width: 420px; margin-left: auto; }
.apply-left .panel-logo { height: 56px; width: auto; display: block; margin-bottom: 32px; }
.apply-left .eyebrow { color: var(--gold); }
.apply-left h1 { color: #fff; font-size: clamp(30px, 3.4vw, 42px); margin-bottom: 16px; }
.apply-left .lede-sm { color: rgba(255, 255, 255, 0.78); font-size: 16.5px; margin-bottom: 40px; }
.apply-steps { list-style: none; border-top: 1px solid rgba(255, 255, 255, 0.14); }
.apply-steps li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  font-size: 15px;
  color: rgba(255, 255, 255, 0.82);
}
.apply-steps svg { flex-shrink: 0; margin-top: 4px; }
.apply-left .side-phone { margin-top: 36px; font-size: 15px; color: rgba(255, 255, 255, 0.66); }
.apply-left .side-phone a {
  display: block;
  margin-top: 6px;
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 600;
  color: var(--gold);
}
.apply-right { background: var(--sand); padding: 72px 56px 96px; display: flex; justify-content: center; align-items: flex-start; }
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 44px 42px;
  box-shadow: 0 2px 6px rgba(13, 31, 51, 0.05), 0 28px 64px rgba(13, 31, 51, 0.12);
  max-width: 680px;
  width: 100%;
}

/* Scroll reveal (class added by JS only when motion is allowed) */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.in-view { opacity: 1; transform: none; transition: opacity 0.6s ease, transform 0.25s ease, box-shadow 0.25s ease; }

.loan-form { display: flex; flex-direction: column; gap: 22px; }
.loan-form fieldset { border: none; }
.loan-form legend, .loan-form label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}
.loan-form legend { margin-bottom: 10px; }
.loan-form .hint { font-weight: 400; color: var(--ink-muted); }
.loan-form input[type="text"],
.loan-form input[type="email"],
.loan-form input[type="tel"],
.loan-form textarea {
  width: 100%;
  padding: 13px 15px;
  font-size: 15.5px;
  font-family: var(--font-body);
  border: 1px solid #d4cfc4;
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.loan-form input:focus, .loan-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184, 146, 77, 0.18);
}
.loan-form textarea { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.choice-row { display: flex; flex-wrap: wrap; gap: 10px; }
.choice {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: 1px solid #d4cfc4;
  border-radius: 8px;
  padding: 10px 16px;
  font-size: 14.5px;
  cursor: pointer;
  user-select: none;
  background: #fff;
}
.choice:has(input:checked) { border-color: var(--gold); background: rgba(184, 146, 77, 0.08); }
.choice input { accent-color: var(--gold-deep); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13.5px; color: var(--ink-muted); }
.consent input { margin-top: 3px; accent-color: var(--gold-deep); }
.loan-form .btn { align-self: flex-start; }
.form-note { font-size: 13px; color: var(--ink-muted); }
.form-success {
  display: none;
  background: rgba(30, 122, 79, 0.08);
  border: 1px solid rgba(30, 122, 79, 0.3);
  color: var(--green);
  border-radius: 8px;
  padding: 16px 20px;
  font-size: 15px;
  font-weight: 500;
}

/* Mobile call bar */
.mobile-call-bar { display: none; }

/* Responsive */
@media (max-width: 900px) {
  .nav-links { display: none; }
  .grid.cols-3 { grid-template-columns: 1fr; }
  .grid.cols-2 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .stats .wrap { grid-template-columns: 1fr 1fr; gap: 28px 16px; }
  .stat + .stat::before { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .apply-shell { grid-template-columns: 1fr; }
  .apply-left { padding: 56px 24px; }
  .apply-left-inner { position: static; max-width: none; margin-left: 0; }
  .apply-right { padding: 40px 24px 72px; }
  .form-card { padding: 32px 24px; }
  .section { padding: 64px 0; }
  .hero { padding: 88px 0 64px; }
}

@media (max-width: 600px) {
  .site-header .wrap { padding: 0 20px; gap: 20px; }
  .brand .b-sub { display: none; }
  .apply-steps { display: none; }
  .apply-left { padding: 44px 24px; }
  .apply-left .side-phone { margin-top: 4px; }
  .steps { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .header-phone { display: none; }
  .hero-ctas .btn { width: 100%; }
  body { padding-bottom: 64px; }
  .mobile-call-bar {
    display: flex;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 60;
  }
  .mobile-call-bar a {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 16px 0;
    font-size: 15.5px;
    font-weight: 600;
    text-decoration: none !important;
  }
  .mobile-call-bar .m-call { background: var(--navy); color: #fff; }
  .mobile-call-bar .m-apply { background: var(--gold); color: #fff; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}