/* ===========================================================
   Bayou Home Loan — HANTANG FINANCIAL SOLUTIONS PTY. LTD.
   Shared stylesheet — Navy & Gold theme
   =========================================================== */

:root {
  --navy: #0d1b3e;
  --navy-2: #16264f;
  --navy-3: #1f3b6e;
  --gold: #ec9a1c;
  --gold-2: #f5b347;
  --ink: #1a2238;
  --muted: #5b6478;
  --line: #e6e9f0;
  --bg: #ffffff;
  --bg-soft: #f6f8fc;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(13, 27, 62, 0.08);
  --shadow-lg: 0 20px 50px rgba(13, 27, 62, 0.14);
  --max: 1180px;
  --font: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

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

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 { line-height: 1.2; color: var(--navy); font-weight: 700; }
h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.25rem; }
p { color: var(--muted); }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 14px;
}

.section { padding: 88px 0; }
.section--soft { background: var(--bg-soft); }
.section-head { max-width: 720px; margin: 0 auto 54px; text-align: center; }
.section-head p { margin-top: 14px; font-size: 1.05rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.98rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s ease;
}
.btn--gold { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: var(--gold-2); transform: translateY(-2px); }
.btn--ghost { border-color: rgba(255,255,255,0.5); color: var(--white); }
.btn--ghost:hover { background: rgba(255,255,255,0.12); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: var(--navy-3); transform: translateY(-2px); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(13, 27, 62, 0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(201, 162, 75, 0.25);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand__logo { height: 46px; width: auto; display: block; }
.site-footer .brand__logo { height: 50px; }

.nav__links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav__links a {
  color: rgba(255,255,255,0.82);
  font-weight: 500;
  font-size: 0.96rem;
  position: relative;
  transition: color 0.2s;
}
.nav__links a:hover, .nav__links a.active { color: var(--gold); }
.nav__links a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -8px;
  height: 2px; background: var(--gold);
}
.nav__cta { margin-left: 8px; }

.nav__toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  width: 40px; height: 40px;
}
.nav__toggle span {
  display: block; height: 2px; width: 24px; margin: 5px auto;
  background: var(--white); transition: 0.3s;
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    linear-gradient(120deg, rgba(13,27,62,0.95) 30%, rgba(31,59,110,0.85)),
    radial-gradient(circle at 80% 20%, rgba(201,162,75,0.25), transparent 50%);
  color: var(--white);
  padding: 110px 0 120px;
  overflow: hidden;
}
.hero::after {
  content:""; position:absolute; right:-120px; top:-120px;
  width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,162,75,0.18), transparent 70%);
}
.hero__inner { max-width: 720px; position: relative; z-index: 2; }
.hero h1 { color: var(--white); }
.hero h1 span { color: var(--gold); }
.hero p { color: rgba(255,255,255,0.85); font-size: 1.15rem; margin: 22px 0 34px; }
.hero__cta { display: flex; gap: 16px; flex-wrap: wrap; }
.hero__stats {
  display: flex; gap: 44px; margin-top: 56px; flex-wrap: wrap;
  position: relative; z-index: 2;
}
.hero__stat .num { font-size: 2.2rem; font-weight: 800; color: var(--gold); }
.hero__stat .lbl { color: rgba(255,255,255,0.75); font-size: 0.9rem; }

/* page hero (inner pages) */
.page-hero {
  background: linear-gradient(120deg, var(--navy), var(--navy-3));
  color: var(--white);
  padding: 84px 0 72px;
  text-align: center;
}
.page-hero h1 { color: var(--white); }
.page-hero p { color: rgba(255,255,255,0.82); max-width: 640px; margin: 16px auto 0; }
.crumbs { color: rgba(255,255,255,0.6); font-size: 0.85rem; margin-bottom: 12px; }
.crumbs a:hover { color: var(--gold); }

/* ---------- Cards / Grid ---------- */
.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  transition: transform 0.25s, box-shadow 0.25s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.card__icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  display: grid; place-items: center; margin-bottom: 18px;
  color: var(--gold); font-size: 1.5rem;
}
.card h3 { margin-bottom: 10px; }
.card .link {
  color: var(--gold); font-weight: 600; font-size: 0.92rem;
  margin-top: 16px; display: inline-block;
}

/* feature row */
.feature-split {
  display: grid; grid-template-columns: 1.05fr 1fr; gap: 56px; align-items: center;
}
.feature-split .media {
  border-radius: var(--radius); min-height: 380px;
  position: relative; overflow: hidden; box-shadow: var(--shadow-lg);
}
.feature-split .media img {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; display: block;
}

/* ---------- Founder ---------- */
.founder { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: center; }
.founder__photo {
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lg);
  aspect-ratio: 4 / 5; background: var(--navy);
}
.founder__photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.founder__role { color: var(--gold); font-weight: 700; margin: 4px 0 16px; }
.founder__contact { list-style: none; margin-top: 22px; }
.founder__contact li { margin-bottom: 10px; color: var(--ink); display: flex; gap: 10px; align-items: center; }
.founder__contact a:hover { color: var(--gold); }
.tick-list { list-style: none; margin-top: 22px; }
.tick-list li {
  padding-left: 34px; position: relative; margin-bottom: 14px; color: var(--ink);
}
.tick-list li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold); color: var(--navy);
  display: grid; place-items: center; font-size: 0.8rem; font-weight: 800;
}

/* lenders */
.lenders { display: flex; flex-wrap: wrap; gap: 18px; justify-content: center; }
.lender-chip {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 12px; padding: 18px 26px; font-weight: 700;
  color: var(--navy-3); box-shadow: var(--shadow); min-width: 150px; text-align: center;
}

/* stats band */
.stats-band {
  background: linear-gradient(120deg, var(--navy), var(--navy-3));
  color: var(--white);
}
.stats-band .grid-4 { gap: 20px; }
.stat-block { text-align: center; padding: 16px; }
.stat-block .num { font-size: 2.6rem; font-weight: 800; color: var(--gold); }
.stat-block .lbl { color: rgba(255,255,255,0.78); margin-top: 6px; }

/* CTA band */
.cta-band {
  background:
    linear-gradient(120deg, rgba(13,27,62,0.96), rgba(31,59,110,0.92)),
    radial-gradient(circle at 85% 50%, rgba(201,162,75,0.3), transparent 55%);
  color: var(--white); text-align: center; border-radius: 0;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: rgba(255,255,255,0.85); max-width: 560px; margin: 14px auto 30px; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; }
.info-card { margin-bottom: 22px; display: flex; gap: 16px; align-items: flex-start; }
.info-card .ic {
  width: 46px; height: 46px; border-radius: 12px; flex: none;
  background: var(--bg-soft); color: var(--navy); display: grid; place-items: center;
  font-size: 1.2rem; border: 1px solid var(--line);
}
.info-card h4 { color: var(--navy); margin-bottom: 2px; }
.info-card p { font-size: 0.96rem; }

form .field { margin-bottom: 18px; }
form label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 7px; font-size: 0.9rem; }
form input, form select, form textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line);
  border-radius: 10px; font-family: inherit; font-size: 0.96rem; color: var(--ink);
  background: var(--white); transition: border 0.2s, box-shadow 0.2s;
}
form input:focus, form select:focus, form textarea:focus {
  outline: none; border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,162,75,0.18);
}
form textarea { min-height: 130px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 10px; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 28px;
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 36px; }
.site-footer h4 { color: var(--white); font-size: 1rem; margin-bottom: 16px; letter-spacing: 0.02em; }
.site-footer a { color: rgba(255,255,255,0.7); }
.site-footer a:hover { color: var(--gold); }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; font-size: 0.93rem; }
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.92rem; margin-top: 14px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 44px; padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 0.85rem; color: rgba(255,255,255,0.55);
}
.disclaimer {
  font-size: 0.78rem; color: rgba(255,255,255,0.45);
  margin-top: 20px; line-height: 1.6;
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .feature-split { grid-template-columns: 1fr; gap: 32px; }
  .founder { grid-template-columns: 1fr; gap: 28px; }
  .founder__photo { max-width: 420px; margin: 0 auto; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav__links {
    position: absolute; top: 76px; left: 0; right: 0;
    background: var(--navy); flex-direction: column; gap: 0;
    padding: 10px 24px 22px; display: none;
    border-bottom: 1px solid rgba(201,162,75,0.25);
  }
  .nav__links.open { display: flex; }
  .nav__links li { width: 100%; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .nav__cta { margin: 12px 0 0; }
  .nav__toggle { display: block; }
}
@media (max-width: 560px) {
  .grid-4, .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero__stats { gap: 28px; }
  .section { padding: 60px 0; }
}