/* ============================================================
   Moneytez Financial Services — Global Styles
   ============================================================ */

:root {
  --teal-900: #0b2e29;
  --teal-700: #134f46;
  --teal-600: #105c52;
  --teal-500: #3e8478;
  --teal-100: #e7efed;
  --grey-600: #6c6f6e;
  --grey-500: #939393;
  --grey-300: #d4d4d1;
  --paper: #f6f4ee;
  --paper-raised: #fffdf8;
  --ink: #15201d;
  --brass: #a97f3f;
  --brass-dark: #8a672f;
  --font-display: 'Sora', sans-serif;
  --font-body: 'Plus Jakarta Sans', sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;
  --radius: 2px;
  --container: 1180px;
  --ease: cubic-bezier(.4, 0, .2, 1);
  --header-h: 72px;
  --topbar-h: 36px;
  --wa: #25d366;
  --sidebar-w: 280px;
}

/* ---------- Reset & Base ---------- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  overflow-x: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
  transition: color .25s var(--ease), opacity .25s var(--ease);
}

ul, ol {
  list-style: none;
}

button,
input,
select,
textarea {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

.container {
  width: min(100% - 48px, var(--container));
  margin-inline: auto;
}

/* ---------- Typography helpers ---------- */
.eyebrow {
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 12px;
  display: block;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  color: var(--ink);
}

h1 {
  font-size: clamp(34px, 5vw, 58px);
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}

h2 {
  font-size: clamp(28px, 3.5vw, 40px);
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

h3 {
  font-size: 20px;
  margin-bottom: 8px;
}

h4 {
  font-size: 17px;
  margin-bottom: 8px;
}

.lede {
  color: var(--grey-600);
  max-width: 46ch;
  margin-bottom: 14px;
  text-align: left;
  line-height: 1.7;
  text-wrap: pretty;
}

.lede strong {
  color: var(--ink);
  font-weight: 600;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: .01em;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), background .25s var(--ease),
    border-color .25s var(--ease), color .25s var(--ease), box-shadow .25s var(--ease);
  white-space: nowrap;
  text-align: center;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn:active {
  transform: translateY(0);
}

.btn-primary {
  background: var(--teal-700);
  color: #fff;
  border-color: var(--teal-700);
}

.btn-primary:hover {
  background: var(--teal-900);
  border-color: var(--teal-900);
  box-shadow: 0 8px 24px rgba(11, 46, 41, .18);
}

.btn-brass {
  background: var(--brass);
  color: #fff;
  border-color: var(--brass);
}

.btn-brass:hover {
  background: var(--brass-dark);
  border-color: var(--brass-dark);
  box-shadow: 0 8px 24px rgba(169, 127, 63, .25);
}

.btn-outline {
  background: transparent;
  color: var(--teal-700);
  border-color: var(--teal-500);
}

.btn-outline:hover {
  background: var(--teal-100);
  border-color: var(--teal-700);
}

.btn-outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, .45);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, .08);
  border-color: #fff;
}

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

/* ---------- Page shell / sidebar push ---------- */
.page-shell {
  transition: transform .35s var(--ease);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

body.sidebar-open {
  overflow: hidden;
}

body.sidebar-open .page-shell {
  transform: translateX(280px);
}

@media (max-width: 400px) {
  body.sidebar-open .page-shell {
    transform: translateX(78vw);
  }
}

/* ============================================================
   TOP BAR
   ============================================================ */
.top-bar {
  background: var(--teal-900);
  color: rgba(255, 255, 255, .85);
  height: var(--topbar-h);
  display: flex;
  align-items: center;
  padding: 0 24px;
  gap: 24px;
  font-size: 12px;
  position: relative;
  z-index: 100;
}

.ticker {
  overflow: hidden;
  white-space: nowrap;
  flex: 1;
  min-width: 0;
  mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent);
}

.ticker__track {
  display: inline-flex;
  gap: 60px;
  width: max-content;
  animation: ticker-scroll 30s linear infinite;
}

.ticker:hover .ticker__track,
.ticker:focus-within .ticker__track {
  animation-play-state: paused;
}

@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.ticker__item {
  font-family: var(--font-body);
  font-size: 12px;
  color: rgba(255, 255, 255, .8);
}

.ticker__item b {
  color: #fff;
  font-weight: 600;
}

.top-bar__offers {
  color: var(--brass);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.top-bar__offers:hover {
  color: #c9a05a;
}

.top-bar__links {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-shrink: 0;
  font-family: var(--font-mono);
  font-size: 12px;
}

.top-bar__links a {
  color: rgba(255, 255, 255, .85);
  white-space: nowrap;
}

.top-bar__links a:hover {
  color: #fff;
}

body.reduce-motion .ticker__track,
.reduce-motion .ticker__track {
  animation: none !important;
}

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 90;
  background: rgba(246, 244, 238, .88);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--grey-300);
  height: var(--header-h);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.logo img {
  height: 36px;
  width: auto;
}

.logo--invert img {
  filter: brightness(0) invert(1);
}

.nav {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
}

.nav__link {
  position: relative;
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--grey-600);
  transition: color .25s var(--ease);
}

.nav__link::after {
  content: '';
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 2px;
  height: 1.5px;
  background: var(--teal-600);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s var(--ease);
}

.nav__link:hover {
  color: var(--teal-700);
}

.nav__link:hover::after,
.nav__link.is-active::after {
  transform: scaleX(1);
}

.nav__link.is-active {
  color: var(--teal-700);
}

.header__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.header__actions .btn {
  padding: 10px 18px;
  font-size: 13px;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  padding: 8px;
  border-radius: var(--radius);
}

.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--teal-900);
  border-radius: 1px;
  transition: transform .3s var(--ease), opacity .3s var(--ease);
}

/* ============================================================
   MOBILE SIDEBAR
   ============================================================ */
.sidebar-overlay {
  position: fixed;
  inset: 0;
  background: rgba(11, 46, 41, .45);
  z-index: 200;
  opacity: 0;
  visibility: hidden;
  transition: opacity .35s var(--ease), visibility .35s var(--ease);
}

body.sidebar-open .sidebar-overlay {
  opacity: 1;
  visibility: visible;
}

.sidebar {
  position: fixed;
  top: 0;
  left: 0;
  width: var(--sidebar-w);
  max-width: 78vw;
  height: 100%;
  background: var(--paper-raised);
  z-index: 210;
  display: flex;
  flex-direction: column;
  transform: translateX(-100%);
  transition: transform .35s var(--ease);
  box-shadow: 4px 0 32px rgba(0, 0, 0, .08);
}

body.sidebar-open .sidebar {
  transform: translateX(0);
}

.sidebar__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 20px 16px;
  border-bottom: 1px solid var(--grey-300);
}

.sidebar__close {
  width: 36px;
  height: 36px;
  font-size: 24px;
  line-height: 1;
  color: var(--grey-600);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
}

.sidebar__close:hover {
  color: var(--ink);
  background: var(--teal-100);
}

.sidebar__nav {
  flex: 1;
  padding: 16px 12px;
  overflow-y: auto;
}

.sidebar__nav a {
  display: block;
  padding: 14px 16px;
  font-size: 15px;
  font-weight: 500;
  color: var(--ink);
  border-radius: var(--radius);
  transition: background .2s var(--ease);
}

.sidebar__nav a:hover,
.sidebar__nav a.is-active {
  background: var(--teal-100);
  color: var(--teal-700);
}

.sidebar__foot {
  padding: 16px 20px 24px;
  border-top: 1px solid var(--grey-300);
}

.sidebar__foot .btn {
  width: 100%;
}

/* ============================================================
   FLOATING ACTION BUTTONS
   ============================================================ */
.fab-stack {
  position: fixed;
  bottom: 28px;
  right: 24px;
  z-index: 150;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-end;
}

.fab {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 20px rgba(0, 0, 0, .18);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}

.fab:hover {
  transform: scale(1.08);
  box-shadow: 0 10px 28px rgba(0, 0, 0, .22);
}

.fab--wa {
  background: var(--wa);
  color: #fff;
}

.fab--call {
  background: var(--teal-700);
  color: #fff;
}

.fab svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

/* WhatsApp nudge popup */
.wa-popup {
  position: absolute;
  bottom: calc(100% + 12px);
  right: 0;
  width: min(270px, calc(100vw - 48px));
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: 4px;
  padding: 16px;
  box-shadow: 0 12px 40px rgba(11, 46, 41, .15);
  opacity: 0;
  transform: translateY(12px);
  visibility: hidden;
  transition: opacity .4s var(--ease), transform .4s var(--ease), visibility .4s;
  pointer-events: none;
}

.wa-popup.is-visible {
  opacity: 1;
  transform: translateY(0);
  visibility: visible;
  pointer-events: auto;
}

.wa-popup__close {
  position: absolute;
  top: 8px;
  right: 10px;
  width: 24px;
  height: 24px;
  font-size: 16px;
  color: var(--grey-500);
  display: flex;
  align-items: center;
  justify-content: center;
}

.wa-popup__close:hover {
  color: var(--ink);
}

.wa-popup p {
  font-size: 13px;
  line-height: 1.5;
  color: var(--ink);
  margin-bottom: 12px;
  padding-right: 16px;
}

.wa-popup .btn {
  width: 100%;
  padding: 10px 16px;
  font-size: 13px;
  background: var(--wa);
  border-color: var(--wa);
  color: #fff;
}

.wa-popup .btn:hover {
  background: #1ebe57;
  border-color: #1ebe57;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--teal-900);
  color: rgba(255, 255, 255, .75);
  padding: 72px 0 0;
  margin-top: auto;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 56px;
}

.footer__brand p {
  font-size: 14px;
  line-height: 1.7;
  margin-top: 16px;
  max-width: 32ch;
  color: rgba(255, 255, 255, .6);
  text-align: left;
  text-wrap: pretty;
}

.footer__col h5 {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .45);
  margin-bottom: 18px;
}

.footer__col a {
  display: block;
  font-size: 14px;
  padding: 5px 0;
  color: rgba(255, 255, 255, .75);
}

.footer__col a:hover {
  color: #fff;
}

.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 12px;
  color: rgba(255, 255, 255, .45);
}

.footer__disclaimer {
  text-align: right;
  max-width: 48ch;
  line-height: 1.6;
  text-wrap: pretty;
}

/* ============================================================
   SECTIONS
   ============================================================ */
.section {
  padding: 96px 0;
}

.section--tint {
  background: var(--teal-100);
}

.section__intro {
  max-width: 640px;
  margin: 0 auto 48px;
  text-align: center;
}

.section__intro p {
  color: var(--grey-600);
  text-align: center;
  line-height: 1.7;
  text-wrap: pretty;
  margin-inline: auto;
}

/* ---------- Reveal animations ---------- */
[data-reveal],
[data-reveal-left],
[data-reveal-right],
[data-reveal-scale],
[data-reveal-group] > * {
  opacity: 0;
  transition: opacity .7s var(--ease), transform .7s var(--ease);
  will-change: opacity, transform;
}

[data-reveal] { transform: translateY(28px); }
[data-reveal-left] { transform: translateX(-36px); }
[data-reveal-right] { transform: translateX(36px); }
[data-reveal-scale] { transform: scale(.92); }
[data-reveal-group] > * { transform: translateY(24px); }

[data-reveal].revealed,
[data-reveal-left].revealed,
[data-reveal-right].revealed,
[data-reveal-scale].revealed,
[data-reveal-group] > *.revealed {
  opacity: 1;
  transform: none;
}

[data-reveal-group] > *:nth-child(2) { transition-delay: .08s; }
[data-reveal-group] > *:nth-child(3) { transition-delay: .16s; }
[data-reveal-group] > *:nth-child(4) { transition-delay: .24s; }
[data-reveal-group] > *:nth-child(5) { transition-delay: .32s; }
[data-reveal-group] > *:nth-child(6) { transition-delay: .4s; }
[data-reveal-group] > *:nth-child(7) { transition-delay: .48s; }
[data-reveal-group] > *:nth-child(8) { transition-delay: .56s; }
[data-reveal-group] > *:nth-child(9) { transition-delay: .64s; }

body.reduce-motion [data-reveal],
body.reduce-motion [data-reveal-left],
body.reduce-motion [data-reveal-right],
body.reduce-motion [data-reveal-scale],
body.reduce-motion [data-reveal-group] > * {
  opacity: 1 !important;
  transform: none !important;
  transition: none !important;
}

/* Hero load animation (once) */
.hero-anim {
  opacity: 0;
  transform: translateY(20px);
  animation: hero-in .8s var(--ease) forwards;
}

.hero-anim:nth-child(1) { animation-delay: .1s; }
.hero-anim:nth-child(2) { animation-delay: .22s; }
.hero-anim:nth-child(3) { animation-delay: .34s; }
.hero-anim:nth-child(4) { animation-delay: .46s; }
.hero-anim:nth-child(5) { animation-delay: .58s; }
.hero-anim:nth-child(6) { animation-delay: .7s; }

@keyframes hero-in {
  to { opacity: 1; transform: none; }
}

body.reduce-motion .hero-anim {
  opacity: 1;
  transform: none;
  animation: none;
}

/* ============================================================
   HOMEPAGE — HERO
   ============================================================ */
.hero {
  padding: 80px 0 96px;
}

.hero__copy {
  text-align: left;
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 64px;
  align-items: center;
}

.hero__stats {
  display: flex;
  margin-top: 40px;
  border-top: 1px solid var(--grey-300);
  padding-top: 28px;
}

.hero__stat {
  flex: 1;
  padding-right: 20px;
  margin-right: 20px;
  border-right: 1px solid var(--grey-300);
}

.hero__stat:last-child {
  border-right: none;
  margin-right: 0;
  padding-right: 0;
}

.hero__stat-num {
  font-family: var(--font-mono);
  font-size: 28px;
  font-weight: 500;
  color: var(--teal-600);
  display: block;
  margin-bottom: 4px;
}

.hero__stat-cap {
  font-size: 12px;
  color: var(--grey-600);
  line-height: 1.4;
}

/* EMI Calculator */
.calc-card {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-top: 3px solid var(--brass);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: 0 16px 48px rgba(11, 46, 41, .07);
}

.calc-card__head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 28px;
}

.calc-card__head h2 {
  font-size: 22px;
  margin: 0;
}

.calc-card__badge {
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--brass);
  white-space: nowrap;
}

.calc-field {
  margin-bottom: 22px;
}

.calc-field__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 10px;
}

.calc-field label {
  font-size: 13px;
  font-weight: 500;
  color: var(--grey-600);
}

.calc-field__val {
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 500;
  color: var(--teal-700);
}

.calc-field input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: var(--grey-300);
  border-radius: 2px;
  outline: none;
}

.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--teal-600);
  cursor: pointer;
  border: 2px solid #fff;
  box-shadow: 0 2px 6px rgba(0, 0, 0, .2);
  transition: transform .2s var(--ease);
}

.calc-field input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calc-field input[type="range"]::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--teal-600);
  cursor: pointer;
  border: 2px solid #fff;
  box-shadow: 0 2px 6px rgba(0, 0, 0, .2);
}

.calc-result {
  background: var(--teal-900);
  color: #fff;
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-bottom: 14px;
}

.calc-result span {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--grey-500);
  display: block;
  margin-bottom: 6px;
}

.calc-result b {
  font-family: var(--font-mono);
  font-size: 28px;
  font-weight: 500;
  display: block;
}

.calc-card .btn-brass {
  margin-bottom: 14px;
}

.calc-fine {
  font-size: 11px;
  color: var(--grey-500);
  line-height: 1.5;
}

/* ============================================================
   ABOUT
   ============================================================ */
.about__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.about__text p {
  color: var(--grey-600);
  margin-bottom: 14px;
  max-width: 48ch;
  text-align: left;
  line-height: 1.7;
  text-wrap: pretty;
}

.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.feature-tile {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  padding: 24px 20px;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}

.feature-tile:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(11, 46, 41, .08);
}

.feature-tile strong {
  display: block;
  font-family: var(--font-mono);
  font-size: 22px;
  font-weight: 500;
  color: var(--teal-600);
  margin-bottom: 6px;
}

.feature-tile span {
  font-size: 13px;
  color: var(--grey-600);
  line-height: 1.4;
}

/* ============================================================
   SERVICES
   ============================================================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.service-card {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  transition: transform .3s var(--ease), box-shadow .3s var(--ease);
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(11, 46, 41, .1);
}

.service-card__tag {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 14px;
}

.service-card p {
  font-size: 14px;
  color: var(--grey-600);
  margin-bottom: 20px;
  flex: 1;
  text-align: left;
  line-height: 1.7;
  text-wrap: pretty;
}

.service-card .btn {
  align-self: flex-start;
  padding: 10px 18px;
  font-size: 13px;
}

/* ============================================================
   INTEREST RATES
   ============================================================ */
.rates-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.rate-card {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}

.rate-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(11, 46, 41, .08);
}

.rate-card__label {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
}

.rate-card__from {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--grey-500);
  margin-bottom: 12px;
}

.rate-card__num {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 600;
  line-height: 1;
  letter-spacing: -0.02em;
}

.rate-card__num sup {
  font-size: 22px;
  font-weight: 500;
  vertical-align: super;
}

.rate-card--teal .rate-card__num { color: var(--teal-600); }
.rate-card--brass .rate-card__num { color: var(--brass); }

/* ============================================================
   WHY MONEYTEZ
   ============================================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.why-item {
  background: var(--paper-raised);
  border: 1px solid transparent;
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: transform .25s var(--ease), border-color .25s var(--ease);
}

.why-item:hover {
  transform: translateY(-3px);
  border-color: var(--grey-300);
}

.why-item__num {
  font-family: var(--font-mono);
  font-size: 14px;
  font-weight: 500;
  color: var(--brass);
  margin-bottom: 12px;
  display: block;
}

.why-item p {
  font-size: 14px;
  color: var(--grey-600);
  line-height: 1.7;
  text-align: left;
  text-wrap: pretty;
}

/* ============================================================
   BEYOND REGULAR LOANS
   ============================================================ */
.beyond__intro {
  max-width: 62ch;
  margin-bottom: 40px;
  color: var(--grey-600);
  text-align: center;
  line-height: 1.7;
  text-wrap: pretty;
}

.beyond-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-bottom: 32px;
}

.beyond-card {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  padding: 18px 16px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}

.beyond-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(11, 46, 41, .06);
}

.beyond-card__num {
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--brass);
  flex-shrink: 0;
}

.beyond-card span:last-child {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.4;
}

.beyond__close {
  color: var(--grey-600);
  max-width: 62ch;
  font-size: 15px;
  text-align: center;
  line-height: 1.7;
  text-wrap: pretty;
}

/* ============================================================
   PROCESS / TIMELINE
   ============================================================ */
.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}

.timeline::before {
  content: '';
  position: absolute;
  top: 22px;
  left: 8%;
  right: 8%;
  height: 1px;
  background: var(--grey-300);
  z-index: 0;
}

.timeline-step {
  text-align: center;
  position: relative;
  z-index: 1;
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .5s var(--ease), transform .5s var(--ease);
}

.timeline-step.revealed {
  opacity: 1;
  transform: none;
}

.timeline-step .dot {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--paper-raised);
  border: 2px solid var(--teal-600);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 500;
  color: var(--teal-600);
  transition: background .3s var(--ease), color .3s var(--ease);
}

.timeline-step.revealed .dot {
  background: var(--teal-600);
  color: #fff;
}

.timeline-step p {
  font-size: 13px;
  color: var(--grey-600);
  max-width: 22ch;
  margin: 0 auto;
  line-height: 1.7;
  text-wrap: pretty;
}

body.reduce-motion .timeline-step {
  opacity: 1;
  transform: none;
}

body.reduce-motion .timeline-step .dot {
  background: var(--teal-600);
  color: #fff;
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 48px;
  align-items: start;
}

.contact-list {
  margin-top: 24px;
}

.contact-row {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--grey-300);
}

.contact-row:first-child {
  border-top: 1px solid var(--grey-300);
}

.contact-row__label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--brass);
  width: 88px;
  flex-shrink: 0;
  padding-top: 2px;
}

.contact-row a,
.contact-row span {
  font-size: 15px;
  font-weight: 500;
  color: var(--ink);
}

.contact-row a:hover {
  color: var(--teal-600);
}

.form-card {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: 0 12px 40px rgba(11, 46, 41, .06);
}

.form-card h3 {
  margin-bottom: 24px;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--grey-600);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  background: var(--paper);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  font-size: 14px;
  transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--teal-500);
  box-shadow: 0 0 0 3px rgba(62, 132, 120, .15);
}

.form-group textarea {
  min-height: 100px;
  resize: vertical;
}

.form-group--captcha {
  align-items: center;
}

.form-group--captcha .g-recaptcha {
  transform-origin: center top;
}

.form-error {
  min-height: 18px;
  margin-top: 8px;
  font-size: 12px;
  color: #b42318;
  text-align: center;
}

.form-card .btn {
  width: 100%;
  margin-top: 8px;
}

.form-success {
  display: none;
  padding: 24px;
  background: var(--teal-100);
  border-radius: var(--radius);
  color: var(--teal-700);
  font-size: 15px;
  line-height: 1.6;
  text-align: center;
}

.form-card.is-submitted .form-fields {
  display: none;
}

.form-card.is-submitted .form-success {
  display: block;
}

/* ============================================================
   PAGE HERO (sub-pages)
   ============================================================ */
.page-hero {
  padding: 64px 0 72px;
  border-bottom: 1px solid var(--grey-300);
}

.breadcrumb {
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--grey-500);
  margin-bottom: 20px;
}

.breadcrumb a {
  color: var(--grey-600);
}

.breadcrumb a:hover {
  color: var(--teal-600);
}

.breadcrumb span {
  margin: 0 6px;
  opacity: .5;
}

.page-hero p {
  color: var(--grey-600);
  max-width: 54ch;
  margin: 0 auto 12px;
  text-align: center;
  line-height: 1.7;
  text-wrap: pretty;
}

/* ============================================================
   SUB-PAGE COMPONENTS
   ============================================================ */
.product-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.product-card {
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease);
}

.product-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 28px rgba(11, 46, 41, .08);
}

.product-card p {
  font-size: 14px;
  color: var(--grey-600);
  text-align: left;
  line-height: 1.7;
  text-wrap: pretty;
}

.eligibility-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.eligibility-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 16px 18px;
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
}

.eligibility-item::before {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--teal-500);
  flex-shrink: 0;
  margin-top: 6px;
}

.eligibility-item span {
  font-size: 14px;
  color: var(--ink);
  font-weight: 500;
}

/* Rate table */
.rate-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--paper-raised);
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  overflow: hidden;
}

.rate-table th,
.rate-table td {
  padding: 16px 20px;
  text-align: left;
  font-size: 14px;
  border-bottom: 1px solid var(--grey-300);
}

.rate-table th {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--grey-500);
  background: var(--teal-100);
}

.rate-table tr:last-child td {
  border-bottom: none;
}

.rate-table td:last-child {
  font-family: var(--font-mono);
  font-weight: 500;
  color: var(--teal-600);
}

/* FAQ */
.faq-list {
  max-width: 760px;
}

.faq-item {
  border-bottom: 1px solid var(--grey-300);
}

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 0;
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  list-style: none;
  color: var(--ink);
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: '+';
  font-family: var(--font-mono);
  font-size: 22px;
  font-weight: 400;
  color: var(--brass);
  transition: transform .3s var(--ease);
  flex-shrink: 0;
  line-height: 1;
}

.faq-item[open] summary::after {
  transform: rotate(45deg);
}

.faq-item .faq-body {
  padding: 0 0 20px;
  color: var(--grey-600);
  font-size: 15px;
  line-height: 1.7;
  max-width: 62ch;
  text-align: left;
  text-wrap: pretty;
}

/* Closing CTA banner */
.cta-banner {
  background: var(--teal-900);
  padding: 64px 0;
  text-align: center;
}

.cta-banner h2 {
  color: #fff;
  margin-bottom: 12px;
}

.cta-banner p {
  color: rgba(255, 255, 255, .65);
  margin-bottom: 28px;
  max-width: 42ch;
  margin-inline: auto;
  text-align: center;
  line-height: 1.7;
  text-wrap: pretty;
}

.cta-banner .btn-group {
  justify-content: center;
  margin-top: 0;
}

/* Offers placeholder */
.offers-placeholder {
  text-align: center;
  padding: 80px 24px;
  border: 1px dashed var(--grey-300);
  border-radius: var(--radius);
  background: var(--paper-raised);
}

.offers-placeholder p {
  color: var(--grey-500);
  font-size: 15px;
}

/* Legal prose */
.legal-prose {
  max-width: 72ch;
  padding: 64px 0 96px;
}

.last-updated {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: .04em;
  color: var(--grey-500);
  display: block;
}

.page-hero .last-updated {
  margin-top: -8px;
}

.legal-prose .last-updated {
  margin: -8px 0 40px;
}

.legal-prose h2 {
  font-size: 22px;
  margin: 40px 0 12px;
}

.legal-prose p {
  color: var(--grey-600);
  margin-bottom: 12px;
  text-align: left;
  line-height: 1.7;
  text-wrap: pretty;
}

.legal-prose ul {
  margin: 8px 0 16px 0;
  padding-left: 0;
}

.legal-prose li {
  position: relative;
  padding-left: 18px;
  color: var(--grey-600);
  margin-bottom: 8px;
  font-size: 15px;
}

.legal-prose li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 9px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--teal-500);
}

/* 404 */
.not-found {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 120px 24px;
}

.not-found h1 {
  font-size: clamp(40px, 6vw, 72px);
  margin-bottom: 12px;
}

.not-found p {
  color: var(--grey-600);
  margin-bottom: 28px;
}

/* ============================================================
   RESPONSIVE — 960px
   ============================================================ */
@media (max-width: 960px) {
  .nav {
    display: none;
  }

  .nav-toggle {
    display: flex;
  }

  .header__actions .btn-outline {
    display: none;
  }

  .section {
    padding: 64px 0;
  }

  .hero {
    padding: 56px 0 64px;
  }

  .hero__grid,
  .about__grid,
  .contact__grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .services-grid,
  .why-grid,
  .beyond-grid,
  .product-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .rates-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .timeline {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }

  .timeline::before {
    display: none;
  }

  .eligibility-list {
    grid-template-columns: 1fr;
  }
}

/* ============================================================
   RESPONSIVE — 640px
   ============================================================ */
@media (max-width: 640px) {
  .container {
    width: min(100% - 32px, var(--container));
  }

  .top-bar__links {
    display: none;
  }

  .top-bar {
    padding: 0 12px;
  }

  .hero {
    padding: 40px 0 48px;
  }

  .hero__stats {
    flex-wrap: wrap;
    gap: 16px;
  }

  .hero__stat {
    flex: 1 1 40%;
    border-right: none;
    margin-right: 0;
    padding-right: 0;
    border-bottom: none;
  }

  .services-grid,
  .why-grid,
  .beyond-grid,
  .product-grid,
  .rates-grid,
  .feature-grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .footer__bottom {
    flex-direction: column;
    text-align: center;
  }

  .footer__disclaimer {
  text-align: right;
  max-width: 48ch;
  line-height: 1.6;
  text-wrap: pretty;
}

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

  .page-hero {
    padding: 40px 0 48px;
  }

  .calc-card {
    padding: 24px 18px;
  }

  .form-card {
    padding: 24px 18px;
  }

  .header__actions .btn-brass {
    padding: 10px 14px;
    font-size: 12px;
  }

  .fab-stack {
    bottom: 20px;
    right: 16px;
  }

  .btn-group {
    flex-direction: column;
  }

  .btn-group .btn {
    width: 100%;
  }
}

/* Focus visible */
:focus-visible {
  outline: 2px solid var(--teal-500);
  outline-offset: 2px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ============================================================
   LAYOUT POLISH — balanced alignment
   ============================================================ */
.section__intro .eyebrow,
.page-hero .eyebrow {
  text-align: center;
}

.page-hero .container {
  text-align: center;
}

.page-hero .breadcrumb {
  text-align: center;
}

.page-hero .btn-group {
  justify-content: center;
}

.page-hero h1 {
  max-width: 18ch;
  margin-left: auto;
  margin-right: auto;
}

.page-hero .last-updated {
  text-align: center;
  margin-top: 4px;
}

.hero__copy .lede {
  text-align: left;
}

.hero__copy .btn-group {
  justify-content: flex-start;
}

.hero__stat {
  text-align: left;
}

.feature-tile {
  text-align: left;
}

.why-item {
  text-align: left;
}

.beyond-card {
  text-align: left;
}

.beyond__intro,
.beyond__close {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.contact__grid > div:first-child .lede {
  text-align: left;
}

.form-card {
  text-align: left;
}

.form-group--captcha {
  display: flex;
  flex-direction: column;
  align-items: center;
}

.form-group--captcha .g-recaptcha > div {
  margin-inline: auto;
}

.legal-prose {
  margin-inline: auto;
  text-align: left;
}

.rate-table th,
.rate-table td {
  text-align: left;
}

.faq-item summary,
.faq-item .faq-body {
  text-align: left;
}

.eligibility-item {
  text-align: left;
}

@media (max-width: 960px) {
  .hero__copy {
    text-align: center;
  }

  .hero__copy .lede {
    text-align: center;
    margin-inline: auto;
  }

  .hero__copy .btn-group {
    justify-content: center;
  }

  .hero__stats {
    justify-content: center;
  }

  .hero__stat {
    text-align: center;
  }

  .about__text {
    text-align: center;
  }

  .about__text p {
    text-align: center;
    margin-inline: auto;
  }

  .contact__grid > div:first-child {
    text-align: center;
  }

  .contact__grid > div:first-child .lede {
    text-align: center;
    margin-inline: auto;
  }

  .contact-row {
    justify-content: center;
  }
}

@media (max-width: 640px) {
  .footer__disclaimer {
    text-align: center;
  }

  .service-card,
  .product-card,
  .why-item {
    text-align: center;
  }

  .service-card p,
  .product-card p {
    text-align: center;
  }

  .service-card .btn {
    align-self: center;
  }
}