/* ============================================================
   MoneyAllTime — design tokens
   ============================================================ */
:root{
  --bg:            #F6F5EF;
  --bg-deep:       #0E2620;
  --ink:           #10231C;
  --muted:         #5C6D66;
  --line:          #DEDDD1;
  --card:          #FFFFFF;

  --primary:       #0E5C4A;
  --primary-dark:  #0A4437;
  --primary-light: #17A673;
  --gold:          #E3A928;
  --gold-soft:     #F6E4B4;
  --danger:        #C24A3B;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body:    'Public Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono:    'IBM Plex Mono', ui-monospace, monospace;

  --radius-s: 8px;
  --radius-m: 16px;
  --radius-l: 28px;

  --shadow-card: 0 1px 2px rgba(14,38,32,.06), 0 12px 32px -16px rgba(14,38,32,.18);
  --shadow-pop:  0 24px 60px -20px rgba(14,38,32,.35);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  overflow-x:hidden;
  background:var(--bg);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; -webkit-user-drag:none; user-select:none; }
a{ color:inherit; text-decoration:none; }
h1,h2,h3,h4{
  font-family:var(--font-display);
  font-weight:700;
  line-height:1.12;
  margin:0 0 .5em;
  letter-spacing:-.01em;
}
p{ margin:0 0 1em; color:var(--muted); }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; }
:focus-visible{ outline:3px solid var(--gold); outline-offset:2px; }

.wrap{ max-width:1180px; margin:0 auto; padding:0 24px; }
.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-mono); font-size:12.5px; letter-spacing:.14em;
  text-transform:uppercase; color:var(--primary-dark);
  background:var(--gold-soft); padding:6px 12px; border-radius:999px;
  margin-bottom:18px;
}
.eyebrow::before{ content:''; width:6px; height:6px; border-radius:50%; background:var(--primary-light); }

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:14px 26px; border-radius:999px; font-weight:600; font-size:15px;
  border:1px solid transparent; transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
  white-space:nowrap;
}
.btn:active{ transform:translateY(1px); }
.btn-primary{ background:var(--primary); color:#fff; box-shadow:0 10px 24px -10px rgba(14,92,74,.55); }
.btn-primary:hover{ background:var(--primary-dark); }
.btn-gold{ background:var(--gold); color:#241a00; box-shadow:0 10px 24px -10px rgba(227,169,40,.55); }
.btn-gold:hover{ filter:brightness(1.05); }
.btn-ghost{ background:transparent; border-color:rgba(255,255,255,.35); color:#fff; }
.btn-ghost:hover{ background:rgba(255,255,255,.12); }
.btn-outline{ background:transparent; border-color:var(--primary); color:var(--primary); }
.btn-outline:hover{ background:var(--primary); color:#fff; }
.btn-block{ width:100%; }

/* ---------- top notice bar ---------- */
.topbar{
  background:var(--bg-deep); color:#CFEAE0; font-family:var(--font-mono);
  font-size:12.5px; letter-spacing:.04em;
}
.topbar .wrap{ display:flex; align-items:center; justify-content:space-between; padding:8px 24px; gap:12px; }
.topbar .status{ display:flex; align-items:center; gap:8px; }
.dot-live{ width:7px; height:7px; border-radius:50%; background:#3EE6A8; box-shadow:0 0 0 3px rgba(62,230,168,.25); }
.topbar a{ color:#F6E4B4; }

/* ---------- header ---------- */
header.site{
  position:sticky; top:0; z-index:40;
  background:rgba(246,245,239,.85); backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{ display:flex; align-items:center; justify-content:space-between; padding:14px 24px; gap:24px; }
.brand{ display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-weight:700; font-size:21px; color:var(--primary-dark); }
.brand .mark{
  width:34px; height:34px; border-radius:9px; background:var(--primary);
  display:flex; align-items:center; justify-content:center; color:#fff;
  font-family:var(--font-mono); font-weight:700; font-size:15px;
}
.nav-links{ display:flex; align-items:center; gap:26px; font-size:14.5px; font-weight:600; color:var(--ink); }
.nav-links a{ opacity:.85; padding:6px 0; border-bottom:2px solid transparent; }
.nav-links a:hover{ opacity:1; border-color:var(--gold); }
.nav-links a.current{ opacity:1; color:var(--primary-dark); border-color:var(--gold); }
.nav-cta{ display:flex; align-items:center; gap:12px; }
.menu-btn{ display:none; background:none; border:1px solid var(--line); border-radius:8px; padding:8px 10px; }
.menu-btn span{ display:block; width:20px; height:2px; background:var(--ink); margin:4px 0; }

@media (max-width:900px){
  .nav-links{
    position:absolute; top:100%; left:0; right:0; background:var(--bg);
    flex-direction:column; align-items:flex-start; padding:16px 24px 24px;
    border-bottom:1px solid var(--line); display:none; gap:14px;
  }
  .nav-links.open{ display:flex; }
  .menu-btn{ display:block; }
  .nav-cta .btn-outline{ display:none; }
}
@media (max-width:420px){
  .nav{ padding:12px 16px; gap:10px; }
  .brand{ font-size:17px; gap:8px; }
  .brand .mark{ width:28px; height:28px; font-size:13px; }
  .nav-cta{ gap:8px; }
  .nav-cta .btn-primary{ padding:10px 16px; font-size:13.5px; }
}

/* ---------- hero ---------- */
.hero{
  background:
    radial-gradient(1100px 480px at 85% -10%, rgba(23,166,115,.18), transparent 60%),
    var(--bg-deep);
  color:#fff; padding:64px 0 96px; position:relative; overflow:hidden;
}
.hero .wrap{ display:grid; grid-template-columns:1.05fr .95fr; gap:56px; align-items:center; }
@media (max-width:900px){ .hero .wrap{ grid-template-columns:1fr; } }
.hero h1{ color:#fff; font-size:clamp(34px,4.6vw,54px); }
.hero h1 em{ font-style:normal; color:var(--gold); }
.hero .lede{ color:#BFD6CC; font-size:17.5px; max-width:46ch; }
.hero-badges{ display:flex; flex-wrap:wrap; gap:10px; margin-top:26px; }
.hero-badges .btn{ }
.hero-stats{ display:flex; flex-wrap:wrap; gap:28px; margin-top:38px; padding-top:26px; border-top:1px solid rgba(255,255,255,.14); }
.hero-stats div b{ display:block; font-family:var(--font-mono); font-size:24px; color:var(--gold); }
.hero-stats div span{ font-size:12.5px; color:#9FC1B4; }
@media (max-width:480px){
  .hero-stats{ gap:20px 28px; }
}

/* calculator card, the signature element */
.calc-card{
  background:var(--card); color:var(--ink); border-radius:var(--radius-l);
  padding:28px; box-shadow:var(--shadow-pop);
}
.calc-card h3{ font-size:19px; margin-bottom:4px; }
.calc-card .sub{ font-size:13.5px; color:var(--muted); margin-bottom:22px; }
.calc-row{ margin-bottom:20px; }
.calc-row label{ display:flex; justify-content:space-between; font-size:13.5px; font-weight:600; color:var(--muted); margin-bottom:8px; }
.calc-row label output{ font-family:var(--font-mono); color:var(--primary-dark); font-size:14.5px; }
input[type=range]{
  -webkit-appearance:none; width:100%; height:6px; border-radius:999px;
  background:linear-gradient(90deg,var(--primary-light),var(--gold)); outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none; width:20px; height:20px; border-radius:50%;
  background:#fff; border:4px solid var(--primary); cursor:pointer; box-shadow:0 2px 6px rgba(0,0,0,.25);
}
input[type=range]::-moz-range-thumb{
  width:20px; height:20px; border-radius:50%; background:#fff; border:4px solid var(--primary); cursor:pointer;
}
.calc-out{
  display:flex; align-items:flex-end; justify-content:space-between;
  background:linear-gradient(135deg,#0E5C4A,#0A4437); color:#fff;
  border-radius:var(--radius-m); padding:18px 20px; margin:22px 0 18px;
}
.calc-out .emi b{ font-family:var(--font-mono); font-size:30px; display:block; color:var(--gold); }
.calc-out .emi span{ font-size:12px; color:#BFD6CC; letter-spacing:.05em; text-transform:uppercase; }
.calc-out .meta{ text-align:right; font-size:12.5px; color:#BFD6CC; }
.calc-card .fine{ font-size:11.5px; color:var(--muted); }
@media (max-width:420px){
  .calc-card{ padding:22px; }
  .calc-out{ flex-wrap:wrap; gap:8px; padding:16px 18px; }
  .calc-out .emi b{ font-size:24px; }
  .calc-out .meta{ text-align:left; }
}

/* ---------- section shells ---------- */
section{ padding:88px 0; }
@media (max-width:640px){ section{ padding:56px 0; } }
.section-head{ max-width:640px; margin-bottom:48px; display:flex; justify-content:space-between; align-items:flex-end; gap:24px; flex-wrap:wrap; max-width:none; }
.section-head > div{ max-width:640px; }
.section-head h2{ font-size:clamp(26px,3.4vw,38px); }
.section-head .see-all{
  font-family:var(--font-mono); font-size:13px; font-weight:600; color:var(--primary-dark);
  border-bottom:2px solid var(--gold); padding-bottom:2px; white-space:nowrap;
}
.bg-deep{ background:var(--bg-deep); color:#fff; }
.bg-deep p{ color:#BFD6CC; }
.bg-deep h2{ color:#fff; }
.bg-card{ background:var(--card); }

/* ---------- split content blocks (about / services teasers) ---------- */
.split{ display:grid; grid-template-columns:1.1fr .9fr; gap:44px; align-items:center; }
@media (max-width:900px){ .split{ grid-template-columns:1fr; } }
.split h3{ font-size:24px; }
.split .media{
  border-radius:var(--radius-l); box-shadow:var(--shadow-card); overflow:hidden;
  aspect-ratio:4/3; background:var(--gold-soft);
}
.split .media img{ width:100%; height:100%; object-fit:cover; }
.split.reverse{ grid-template-columns:.9fr 1.1fr; }
@media (max-width:900px){ .split.reverse{ grid-template-columns:1fr; } }
.split.reverse .media{ order:-1; }
@media (max-width:900px){ .split.reverse .media{ order:0; } }

/* ---------- inline icon system (replaces emoji) ---------- */
.icon-svg{ width:24px; height:24px; stroke:currentColor; fill:none; stroke-width:1.8; stroke-linecap:round; stroke-linejoin:round; }
.card .icon, .side-info .icon{ color:var(--primary-dark); }

/* ---------- nav sub-page pill (used on About/Services/Reviews pages) ---------- */
.page-links{ display:flex; gap:10px; flex-wrap:wrap; margin-top:22px; }
.page-links a{
  font-family:var(--font-mono); font-size:12.5px; letter-spacing:.04em; text-transform:uppercase;
  color:#F6E4B4; border:1px solid rgba(255,255,255,.28); padding:8px 16px; border-radius:999px;
}
.page-links a:hover{ background:rgba(255,255,255,.12); }

/* ---------- service / feature cards ---------- */
.grid-4{ display:grid; grid-template-columns:repeat(4,1fr); gap:20px; }
.grid-3{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
@media (max-width:980px){ .grid-4{ grid-template-columns:repeat(2,1fr);} .grid-3{ grid-template-columns:1fr; } }
@media (max-width:560px){ .grid-4{ grid-template-columns:1fr; } }

.card{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius-m);
  padding:26px; box-shadow:var(--shadow-card); transition:transform .18s ease, box-shadow .18s ease;
}
.card:hover{ transform:translateY(-4px); box-shadow:var(--shadow-pop); }
.card .icon{
  width:46px; height:46px; border-radius:12px; background:var(--gold-soft);
  display:flex; align-items:center; justify-content:center; margin-bottom:16px; font-size:20px;
}
.card h3{ font-size:18px; margin-bottom:8px; }
.card p{ font-size:14.5px; margin-bottom:14px; }
.card .link{ font-size:13.5px; font-weight:700; color:var(--primary-dark); }

/* ---------- service detail rows (services.html) ---------- */
.grid-2-list{ display:grid; grid-template-columns:1fr 1fr; gap:28px; }
@media (max-width:900px){ .grid-2-list{ grid-template-columns:1fr; } }
.service-row{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius-m);
  padding:30px; box-shadow:var(--shadow-card);
}
.service-row .icon{
  width:52px; height:52px; border-radius:14px; background:var(--gold-soft); color:var(--primary-dark);
  display:flex; align-items:center; justify-content:center; margin-bottom:18px;
}
.service-row h3{ font-size:20px; margin-bottom:8px; }
.service-row p{ font-size:14.5px; }
.tick-list{ margin:16px 0 22px; }
.tick-list li{
  position:relative; padding-left:26px; font-size:14px; color:var(--ink); margin-bottom:10px;
}
.tick-list li::before{
  content:''; position:absolute; left:0; top:5px; width:16px; height:16px; border-radius:50%;
  background:var(--primary-light);
}
.tick-list li::after{
  content:''; position:absolute; left:5px; top:8px; width:6px; height:3px;
  border-left:2px solid #fff; border-bottom:2px solid #fff; transform:rotate(-45deg);
}

/* ---------- steps ---------- */
.steps{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; counter-reset:step; }
@media (max-width:900px){ .steps{ grid-template-columns:1fr; } }
.step{ position:relative; padding-left:0; }
.step .num{
  font-family:var(--font-mono); font-size:13px; color:var(--primary-dark);
  background:var(--gold-soft); display:inline-block; padding:4px 10px; border-radius:999px; margin-bottom:14px;
}
.step h3{ font-size:19px; }

/* ---------- testimonials ---------- */
.t-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
@media (max-width:900px){ .t-grid{ grid-template-columns:1fr; } }
.t-card{ background:var(--card); border-radius:var(--radius-m); padding:24px; border:1px solid var(--line); }
.t-card .stars{ color:var(--gold); letter-spacing:2px; margin-bottom:12px; }
.t-card p{ color:var(--ink); font-size:14.5px; }
.t-card .who{ display:flex; align-items:center; gap:10px; margin-top:14px; }
.t-card .avatar{
  width:38px; height:38px; border-radius:50%; background:var(--primary);
  color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-family:var(--font-mono);
}
.t-card .who b{ display:block; font-size:14px; }
.t-card .who span{ font-size:12px; color:var(--muted); }

/* ---------- FAQ ---------- */
.faq-list{ max-width:840px; }
.faq-item{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius-m);
  padding:6px 22px; margin-bottom:14px;
}
.faq-item summary{
  list-style:none; cursor:pointer; padding:16px 0; font-weight:700; font-size:15.5px;
  color:var(--ink); display:flex; align-items:center; justify-content:space-between; gap:16px;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{
  content:'+'; font-family:var(--font-mono); font-size:20px; color:var(--primary-dark);
  flex-shrink:0;
}
.faq-item[open] summary::after{ content:'−'; }
.faq-item p{ font-size:14.5px; margin:0 0 18px; }

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(135deg,#0E5C4A,#0A4437);
  color:#fff; border-radius:var(--radius-l); padding:56px; margin:0 24px;
  display:flex; align-items:center; justify-content:space-between; gap:32px; flex-wrap:wrap;
}
.cta-band h2{ color:#fff; margin-bottom:6px; font-size:clamp(24px,3vw,32px); }
.cta-band p{ color:#BFD6CC; margin:0; }
.cta-links{ display:flex; gap:12px; flex-wrap:wrap; }
@media (max-width:640px){
  .cta-band{ padding:32px 24px; margin:0 16px; }
}

/* ---------- footer ---------- */
footer.site{ background:var(--bg-deep); color:#BFD6CC; padding:64px 0 28px; margin-top:40px; }
.foot-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1.2fr; gap:36px; margin-bottom:44px; }
@media (max-width:900px){ .foot-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:560px){ .foot-grid{ grid-template-columns:1fr; } }
footer.site h4{ color:#fff; font-family:var(--font-mono); font-size:12.5px; letter-spacing:.1em; text-transform:uppercase; margin-bottom:16px; }
footer.site li{ margin-bottom:10px; font-size:14px; }
footer.site a:hover{ color:var(--gold); }
.foot-brand{ display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-size:20px; color:#fff; margin-bottom:14px; }
.foot-bottom{ border-top:1px solid rgba(255,255,255,.12); padding-top:22px; display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px; font-size:13px; }
.socials{ display:flex; gap:12px; }
.socials a{ width:34px; height:34px; border:1px solid rgba(255,255,255,.2); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:13px; }
.socials a:hover{ background:var(--gold); color:#241a00; border-color:var(--gold); }

/* ---------- forms (apply / contact) ---------- */
.form-shell{
  background:var(--card); border-radius:var(--radius-l); box-shadow:var(--shadow-card);
  border:1px solid var(--line); padding:40px; max-width:760px; margin:0 auto;
}
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:20px; }
@media (max-width:640px){ .form-grid{ grid-template-columns:1fr; } }
@media (max-width:480px){ .form-shell{ padding:24px 20px; } }
.field{ display:flex; flex-direction:column; gap:8px; }
.field.full{ grid-column:1/-1; }
.field label{ font-size:13.5px; font-weight:700; color:var(--ink); }
.field .req{ color:var(--danger); }
.field input, .field select, .field textarea{
  border:1px solid var(--line); border-radius:var(--radius-s); padding:13px 14px;
  font-family:var(--font-body); font-size:15px; background:#fbfaf6; color:var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{
  border-color:var(--primary-light); background:#fff;
}
.field textarea{ resize:vertical; min-height:120px; }
.hp-field{ position:absolute; left:-9999px; top:-9999px; width:1px; height:1px; opacity:0; }
.consent{ display:flex; align-items:flex-start; gap:10px; font-size:13px; color:var(--muted); }
.consent input{ margin-top:3px; }
.page-hero{ background:var(--bg-deep); color:#fff; padding:56px 0 44px; }
.page-hero h1{ color:#fff; font-size:clamp(28px,4vw,42px); margin-bottom:10px; }
.page-hero p{ color:#BFD6CC; max-width:56ch; }
.breadcrumb{ font-family:var(--font-mono); font-size:12.5px; color:var(--gold); letter-spacing:.06em; margin-bottom:12px; text-transform:uppercase; }
.form-note{ font-size:13px; color:var(--muted); margin-top:16px; text-align:center; }
.form-success{
  display:none; background:#E9F7F1; border:1px solid var(--primary-light); color:var(--primary-dark);
  padding:14px 16px; border-radius:var(--radius-s); font-size:14px; margin-bottom:20px;
}
.side-info .card{ margin-bottom:18px; }
.contact-layout{ display:grid; grid-template-columns:1fr .8fr; gap:40px; align-items:start; }
@media (max-width:900px){ .contact-layout{ grid-template-columns:1fr; } }