/* ============================================
   H.I.L. FINANCIAL — Professional Stylesheet
   Inspired by Five West Financial layout
   ============================================ */

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

:root {
  --primary: #0a2540;
  --primary-light: #1a3a5c;
  --accent: #d4a843;
  --accent-hover: #c49a36;
  --accent-light: rgba(212, 168, 67, 0.08);
  --text-dark: #1a1a2e;
  --text-body: #2d3748;
  --text-muted: #5a6a7a;
  --bg-white: #ffffff;
  --bg-light: #f7f9fc;
  --bg-section-alt: #f0f4f8;
  --border: #e2e8f0;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.07);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.08);
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-display: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --max-width: 1200px;
}

html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  color: var(--text-body);
  line-height: 1.7;
  background: var(--bg-white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--accent-hover); }
ul { list-style: none; }

/* ---------- Utility ---------- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--text-dark); font-weight: 700; line-height: 1.25; }
h1 { font-size: clamp(2.4rem, 5vw, 3.8rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); letter-spacing: -0.01em; }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
.section-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent);
  margin-bottom: 12px;
}

.section-title {
  text-align: center;
  margin-bottom: 16px;
}

.section-subtitle {
  text-align: center;
  font-size: 1.1rem;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto 48px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all 0.25s ease;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
}
.btn-primary:hover {
  background: var(--accent-hover);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(212, 168, 67, 0.35);
}

.btn-outline {
  background: transparent;
  color: var(--accent);
  border: 2px solid var(--accent);
}
.btn-outline:hover {
  background: var(--accent);
  color: #fff;
}

.btn-white {
  background: #fff;
  color: var(--primary);
}
.btn-white:hover {
  background: var(--bg-light);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* ---------- Header / Nav ---------- */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s;
}

.site-header.scrolled { box-shadow: var(--shadow-sm); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary);
  text-decoration: none;
}

.logo-img {
  height: 36px;
  width: auto;
  border-radius: 0;
  object-fit: contain;
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-links a {
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-body);
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a:hover { color: var(--accent); }

.nav-cta {
  background: var(--accent);
  color: #fff !important;
  padding: 10px 22px;
  border-radius: var(--radius-sm);
  font-weight: 600;
}
.nav-cta:hover {
  background: var(--accent-hover);
  color: #fff !important;
}

/* ---------- Hero ---------- */
.hero {
  padding: 160px 0 80px;
  background: linear-gradient(135deg, var(--primary) 0%, #0d3555 50%, #0a2540 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(212,168,67,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero h1 {
  color: #fff;
  margin-bottom: 20px;
}

.hero p {
  font-size: 1.15rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  max-width: 540px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  padding: 40px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius);
  backdrop-filter: blur(4px);
  border: 1px solid rgba(255,255,255,0.1);
}

.stat-value {
  font-size: 2rem;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 4px;
}

.stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
}

/* ---------- Sections ---------- */
section { padding: 80px 0; }

.section-dark {
  background: var(--primary);
  color: #fff;
}
.section-dark h2 { color: #fff; }
.section-dark .section-subtitle { color: rgba(255,255,255,0.7); }

.section-alt { background: var(--bg-light); }

/* ---------- Products Grid (4-card) ---------- */
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.product-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: all 0.3s ease;
}

.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}

.product-card .icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.4rem;
}

.product-card h3 { margin-bottom: 12px; font-size: 1.15rem; }
.product-card p { font-size: 0.92rem; color: var(--text-muted); margin-bottom: 20px; }
.product-card a { font-weight: 600; font-size: 0.9rem; }

/* ---------- Quote Builder ---------- */
.quote-builder {
  background: var(--primary);
  border-radius: var(--radius);
  padding: 56px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.quote-builder h2 { color: #fff; }
.quote-builder p { color: rgba(255,255,255,0.75); margin-bottom: 24px; }

.quote-rate-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 36px;
}

.quote-rate { font-size: 2.4rem; font-weight: 700; color: var(--accent); }
.quote-rate span { font-size: 1rem; color: rgba(255,255,255,0.6); font-weight: 400; }
.rate-item { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.08); color: rgba(255,255,255,0.8); font-size: 0.92rem; }
.rate-item:last-child { border-bottom: none; }

/* ---------- Fundings Grid ---------- */
.fundings-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.funding-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  transition: all 0.25s;
}
.funding-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.funding-amount { font-size: 1.5rem; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.funding-label { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 6px; }
.funding-tags { display: flex; gap: 6px; flex-wrap: wrap; }
.funding-tag {
  font-size: 0.72rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 100px;
  background: var(--accent-light);
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.funding-tag.alt { background: var(--bg-light); color: var(--text-muted); }

/* ---------- Testimonials ---------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.testimonial-card .stars { color: var(--accent); font-size: 1.1rem; margin-bottom: 12px; }
.testimonial-card blockquote { font-size: 0.95rem; color: var(--text-body); margin-bottom: 16px; font-style: italic; line-height: 1.6; }
.testimonial-author { font-weight: 600; font-size: 0.9rem; color: var(--text-dark); }

/* ---------- Who We Work With ---------- */
.ww-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.ww-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
}
.ww-card h3 { margin-bottom: 12px; }
.ww-card p { font-size: 0.92rem; color: var(--text-muted); margin-bottom: 16px; }
.ww-card ul li {
  position: relative;
  padding-left: 20px;
  font-size: 0.9rem;
  margin-bottom: 8px;
  color: var(--text-body);
}
.ww-card ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
}

/* ---------- Apply Section ---------- */
.apply-section {
  background: linear-gradient(135deg, var(--primary) 0%, #0d3555 100%);
  color: #fff;
}
.apply-section h2 { color: #fff; }
.apply-section .section-subtitle { color: rgba(255,255,255,0.7); }

.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

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

.apply-option {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-sm);
  padding: 24px;
  text-align: center;
  color: #fff;
  transition: all 0.25s;
  cursor: pointer;
}
.apply-option:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--accent);
  transform: translateY(-2px);
}
.apply-option h4 { color: #fff; font-size: 1rem; margin-bottom: 6px; }
.apply-option p { font-size: 0.82rem; color: rgba(255,255,255,0.7); margin: 0; }

.apply-contact {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 32px;
}
.apply-contact h3 { color: #fff; margin-bottom: 16px; }
.apply-contact .contact-line { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; color: rgba(255,255,255,0.8); font-size: 0.95rem; }
.apply-contact .contact-line a { color: var(--accent); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--text-dark);
  cursor: pointer;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  font-family: var(--font-sans);
  padding: 0;
}
.faq-question::after {
  content: '+';
  font-size: 1.4rem;
  color: var(--accent);
  transition: transform 0.2s;
}
.faq-question.open::after { content: '−'; }
.faq-answer {
  margin-top: 12px;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--primary);
  color: rgba(255,255,255,0.7);
  padding: 60px 0 30px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-about .logo { color: #fff; margin-bottom: 16px; }
.footer-about p { font-size: 0.9rem; line-height: 1.7; }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 0.9rem;
  transition: background 0.2s;
}
.footer-social a:hover { background: var(--accent); color: #fff; }

.footer-col h4 { color: #fff; font-size: 0.95rem; margin-bottom: 16px; }
.footer-col a { display: block; font-size: 0.88rem; color: rgba(255,255,255,0.6); margin-bottom: 10px; }
.footer-col a:hover { color: var(--accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--accent); }

.disclaimer {
  margin-top: 16px;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.5;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .fundings-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); padding: 24px; }
  .apply-grid { grid-template-columns: 1fr; }
  .apply-options { grid-template-columns: 1fr; }
  .quote-builder { grid-template-columns: 1fr; padding: 32px; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .ww-grid { grid-template-columns: 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .fundings-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .nav-links { display: none; }
  section { padding: 56px 0; }
}

/* ---------- Page Header (subpages) ---------- */
.page-header {
  padding: 140px 0 60px;
  background: linear-gradient(135deg, var(--primary) 0%, #0d3555 100%);
  color: #fff;
}
.page-header h1 { color: #fff; margin-bottom: 12px; }
.page-header p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 640px; }

/* ---------- Content pages ---------- */
.content-section { padding: 60px 0; }
.content-section h2 { margin-bottom: 20px; }
.content-section h3 { margin-bottom: 12px; margin-top: 32px; }
.content-section p { margin-bottom: 16px; font-size: 1rem; line-height: 1.8; color: var(--text-body); }
.content-section ul { margin-bottom: 16px; }
.content-section ul li { padding-left: 20px; position: relative; margin-bottom: 8px; }
.content-section ul li::before { content: '•'; color: var(--accent); position: absolute; left: 0; font-weight: 700; }

.industry-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.industry-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  transition: all 0.25s;
}
.industry-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--accent); }
.industry-card .icon { font-size: 2rem; margin-bottom: 12px; }
.industry-card h3 { font-size: 1rem; }
.industry-card p { font-size: 0.85rem; color: var(--text-muted); }

@media (max-width: 768px) {
  .industry-grid { grid-template-columns: repeat(2, 1fr); }
}