/* ==========================================================================
   GTI Loans — Design Tokens & Base Styles
   Palette: deep trust-navy + sky blue + white, with a restrained gold
   accent reserved for "verified / government bank" trust cues.
   Signature element: the rate-comparison bar (GTI vs. Other Banks) —
   used in the hero and echoed in section dividers.
   ========================================================================== */

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

:root {
  /* Color tokens */
  --color-navy: #0A3D62;
  --color-navy-deep: #072A46;
  --color-sky: #3FA9F5;
  --color-sky-light: #EAF6FF;
  --color-sky-mist: #F5FAFF;
  --color-white: #FFFFFF;
  --color-gold: #C9A227;
  --color-ink: #12263A;
  --color-slate: #5B7083;
  --color-border: #D9E9F5;
  --color-success: #1F9D55;

  /* Type */
  --font-display: 'Sora', sans-serif;
  --font-body: 'Inter', sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;

  /* Layout */
  --max-width: 1180px;
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-card: 0 4px 24px rgba(10, 61, 98, 0.08);
  --shadow-card-hover: 0 10px 32px rgba(10, 61, 98, 0.14);
}

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

html { scroll-behavior: smooth; }

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

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--color-navy-deep);
  line-height: 1.15;
  font-weight: 700;
}

h1 { font-size: clamp(2.1rem, 4.2vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: 1.25rem; }

p { color: var(--color-slate); }

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

.section { padding: 88px 0; }
.section--tight { padding: 56px 0; }
.section--sky { background: var(--color-sky-light); }
.section--navy { background: var(--color-navy-deep); color: var(--color-white); }
.section--navy h2, .section--navy h3 { color: var(--color-white); }
.section--navy p { color: #C7DCEE; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-sky);
  font-weight: 600;
  margin-bottom: 14px;
}

.section-head { max-width: 640px; margin-bottom: 48px; }
.section-head p { margin-top: 12px; font-size: 1.05rem; }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.98rem;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn-primary {
  background: var(--color-sky);
  color: var(--color-navy-deep);
}
.btn-primary:hover { background: #2E97E0; transform: translateY(-2px); box-shadow: 0 8px 20px rgba(63,169,245,0.35); }
.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.5);
  color: var(--color-white);
}
.btn-outline:hover { border-color: var(--color-white); background: rgba(255,255,255,0.08); }
.btn-navy {
  background: var(--color-navy);
  color: var(--color-white);
}
.btn-navy:hover { background: var(--color-navy-deep); transform: translateY(-2px); }
.btn-block { width: 100%; }

/* ---- Header ---- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--color-border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}
.logo {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--color-navy-deep);
  letter-spacing: -0.02em;
}
.logo span { color: var(--color-sky); }
.logo small {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.6rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  color: var(--color-slate);
  text-transform: uppercase;
}
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-ink);
  position: relative;
  padding: 4px 0;
}
.nav-links a:hover { color: var(--color-navy); }
.nav-links a.active { color: var(--color-navy); }
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 2px;
  background: var(--color-sky);
}
.header-cta { display: flex; align-items: center; gap: 14px; }
.header-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-mono);
  font-weight: 600;
  color: var(--color-navy-deep);
  font-size: 0.92rem;
}
.nav-toggle { display: none; }

/* ---- Trust bar ---- */
.trust-bar {
  background: var(--color-navy-deep);
  color: #DCEBF7;
  font-family: var(--font-mono);
  font-size: 0.8rem;
  letter-spacing: 0.03em;
  padding: 8px 0;
  text-align: center;
}
.trust-bar strong { color: var(--color-gold); font-weight: 600; }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(180deg, var(--color-sky-mist) 0%, var(--color-white) 100%);
  padding: 72px 0 40px;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}
.hero-copy p.lead { font-size: 1.12rem; margin-top: 18px; max-width: 520px; }
.hero-actions { display: flex; gap: 16px; margin-top: 32px; flex-wrap: wrap; }
.hero-badges { display: flex; gap: 24px; margin-top: 40px; flex-wrap: wrap; }
.hero-badge { display: flex; align-items: center; gap: 10px; font-size: 0.88rem; font-weight: 600; color: var(--color-navy-deep); }
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--color-success); }

/* ---- Signature element: Rate Comparison Bar ---- */
.rate-compare {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-card);
}
.rate-compare-title {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-slate);
  margin-bottom: 24px;
}
.rate-row { margin-bottom: 20px; }
.rate-row:last-child { margin-bottom: 0; }
.rate-row-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 8px;
  font-size: 0.9rem;
  font-weight: 600;
}
.rate-row-value { font-family: var(--font-mono); font-size: 1.1rem; }
.rate-track {
  height: 14px;
  background: var(--color-sky-light);
  border-radius: 8px;
  overflow: hidden;
}
.rate-fill {
  height: 100%;
  border-radius: 8px;
  transition: width 1.1s cubic-bezier(0.16, 1, 0.3, 1);
}
.rate-fill--other { background: #B9CCDA; width: 0; }
.rate-fill--gti { background: linear-gradient(90deg, var(--color-sky), var(--color-navy)); width: 0; }
.rate-savings {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px dashed var(--color-border);
  display: flex;
  align-items: baseline;
  gap: 10px;
}
.rate-savings strong {
  font-family: var(--font-mono);
  font-size: 1.6rem;
  color: var(--color-navy);
}
.rate-savings span { font-size: 0.85rem; color: var(--color-slate); }

/* ---- Loan product cards ---- */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.loan-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 32px;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.loan-card:hover { box-shadow: var(--shadow-card-hover); transform: translateY(-4px); }
.loan-card-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: var(--color-sky-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  color: var(--color-navy);
}
.loan-card h3 { margin-bottom: 10px; }
.loan-card p { font-size: 0.95rem; margin-bottom: 20px; }
.loan-card-link {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-navy);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.loan-card-link:hover { color: var(--color-sky); }

/* ---- Feature list ---- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.feature-item { display: flex; gap: 16px; }
.feature-icon {
  flex-shrink: 0;
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--color-navy);
  color: var(--color-white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono);
  font-weight: 600;
}
.feature-item h4 { font-size: 1.02rem; margin-bottom: 6px; }
.feature-item p { font-size: 0.92rem; }

/* ---- Process steps ---- */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  counter-reset: step;
}
.process-step {
  position: relative;
  padding-top: 20px;
  border-top: 3px solid var(--color-sky);
}
.process-step-num {
  font-family: var(--font-mono);
  font-size: 0.8rem;
  color: var(--color-sky);
  font-weight: 600;
  margin-bottom: 10px;
}
.process-step h4 { margin-bottom: 8px; font-size: 1rem; }
.process-step p { font-size: 0.88rem; }

/* ---- Stats strip ---- */
.stats-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item strong {
  display: block;
  font-family: var(--font-mono);
  font-size: 2.1rem;
  color: var(--color-sky);
}
.stat-item span { font-size: 0.85rem; color: #C7DCEE; }

/* ---- Inquiry form ---- */
.inquiry-wrap {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.inquiry-info {
  background: var(--color-navy-deep);
  color: var(--color-white);
  padding: 48px;
}
.inquiry-info h3 { color: var(--color-white); margin-bottom: 14px; }
.inquiry-info p { color: #C7DCEE; margin-bottom: 32px; }
.inquiry-contact { display: flex; flex-direction: column; gap: 18px; margin-bottom: 32px; }
.inquiry-contact a { display: flex; align-items: center; gap: 12px; font-weight: 600; }
.inquiry-contact-icon {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
}
.inquiry-form-panel { background: var(--color-white); padding: 48px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--color-navy-deep);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--color-ink);
  background: var(--color-sky-mist);
  transition: border-color 0.15s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-sky);
  background: var(--color-white);
}
.form-consent { display: flex; align-items: flex-start; gap: 10px; font-size: 0.82rem; color: var(--color-slate); margin-bottom: 20px; }
.form-consent input { width: auto; margin-top: 3px; }
.form-alert {
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 20px;
}
.form-alert--success { background: #E6F7ED; color: var(--color-success); border: 1px solid #B7E5C6; }
.form-alert--error { background: #FDEDED; color: #C0392B; border: 1px solid #F5C6C0; }

/* ---- FAQ ---- */
.faq-item {
  border-bottom: 1px solid var(--color-border);
  padding: 22px 0;
}
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--color-navy-deep);
}
.faq-toggle {
  flex-shrink: 0;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--color-sky-light);
  color: var(--color-navy);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  transition: transform 0.2s ease;
}
.faq-item.open .faq-toggle { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
  font-size: 0.94rem;
}
.faq-item.open .faq-answer { max-height: 300px; margin-top: 14px; }

/* ---- Page header (interior pages) ---- */
.page-header {
  background: var(--color-navy-deep);
  color: var(--color-white);
  padding: 56px 0 48px;
}
.page-header .eyebrow { color: var(--color-sky); }
.page-header h1 { color: var(--color-white); }
.page-header p { color: #C7DCEE; margin-top: 14px; max-width: 640px; }
.breadcrumb { font-size: 0.85rem; color: #9FC0DA; margin-bottom: 18px; }
.breadcrumb a { color: #C7DCEE; }
.breadcrumb a:hover { color: var(--color-white); }

/* ---- Legal pages ---- */
.legal-content { max-width: 780px; }
.legal-content h2 { margin-top: 36px; margin-bottom: 14px; font-size: 1.3rem; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { margin-bottom: 14px; }
.legal-content ul { margin: 0 0 14px 0; }
.legal-content ul li { color: var(--color-slate); padding-left: 20px; position: relative; margin-bottom: 8px; }
.legal-content ul li::before { content: '—'; position: absolute; left: 0; color: var(--color-sky); }
.legal-updated { font-family: var(--font-mono); font-size: 0.8rem; color: var(--color-slate); margin-bottom: 32px; }

/* ---- Footer ---- */
.site-footer { background: var(--color-navy-deep); color: #C7DCEE; padding: 64px 0 24px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-logo { font-family: var(--font-display); font-weight: 800; font-size: 1.4rem; color: var(--color-white); margin-bottom: 14px; }
.footer-logo span { color: var(--color-sky); }
.footer-col h4 { color: var(--color-white); font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 10px; font-size: 0.92rem; }
.footer-col ul li a:hover { color: var(--color-white); }
.footer-disclaimer { font-size: 0.82rem; color: #7C9CB4; margin-top: 16px; line-height: 1.6; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 24px;
  font-size: 0.85rem;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom-links { display: flex; gap: 20px; }

/* ---- WhatsApp popup ---- */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  width: 60px; height: 60px;
  border-radius: 50%;
  background: #25D366;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 20px rgba(37,211,102,0.45);
  cursor: pointer;
  animation: pulse-wa 2.4s infinite;
}
@keyframes pulse-wa {
  0% { box-shadow: 0 0 0 0 rgba(37,211,102,0.5); }
  70% { box-shadow: 0 0 0 14px rgba(37,211,102,0); }
  100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); }
}
.whatsapp-chat-box {
  position: fixed;
  bottom: 96px;
  right: 24px;
  z-index: 999;
  width: 300px;
  background: var(--color-white);
  border-radius: var(--radius-md);
  box-shadow: 0 12px 40px rgba(10,61,98,0.25);
  overflow: hidden;
  display: none;
  animation: slideUp 0.25s ease;
}
.whatsapp-chat-box.open { display: block; }
@keyframes slideUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }
.wa-chat-header {
  background: #25D366;
  color: white;
  padding: 14px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-weight: 600;
  font-size: 0.9rem;
}
.wa-chat-close { cursor: pointer; font-size: 1.2rem; line-height: 1; }
.wa-chat-body { padding: 18px; background: #ECE5DD; }
.wa-bubble {
  background: white;
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 0.85rem;
  color: #333;
  box-shadow: 0 1px 2px rgba(0,0,0,0.1);
}
.wa-chat-footer { padding: 12px 16px; background: var(--color-white); }
.wa-chat-footer a {
  display: block;
  text-align: center;
  background: #25D366;
  color: white;
  padding: 10px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.88rem;
}

/* ---- Sticky mobile CTA ---- */
.mobile-cta-bar { display: none; }

/* ---- Utility ---- */
.text-center { text-align: center; }
.mt-24 { margin-top: 24px; }
.badge-verified {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-sky-light);
  border: 1px solid var(--color-border);
  color: var(--color-navy);
  padding: 8px 16px;
  border-radius: 30px;
  font-size: 0.82rem;
  font-weight: 700;
}
.badge-verified .gold-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--color-gold); }

/* ---- Responsive ---- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; }
  .loan-grid { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .stats-strip { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .inquiry-wrap { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .nav-toggle { display: block; }
}
@media (max-width: 620px) {
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .stats-strip { grid-template-columns: 1fr 1fr; }
  .header-phone span.phone-text { display: none; }
  .section { padding: 56px 0; }
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 998;
    background: var(--color-white);
    border-top: 1px solid var(--color-border);
    padding: 10px 16px;
    gap: 10px;
    box-shadow: 0 -4px 16px rgba(0,0,0,0.08);
  }
  .mobile-cta-bar .btn { flex: 1; padding: 12px; font-size: 0.88rem; }
  body { padding-bottom: 64px; }
  .whatsapp-float { bottom: 78px; }
  .whatsapp-chat-box { bottom: 150px; right: 12px; width: calc(100% - 24px); }
}