/* =============================================
   Business Asset Finance — Modern Redesign
   Inspired by bizcap.nz & loanmarket.co.nz
   ============================================= */

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

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

:root {
  --navy:    #1B4332;
  --navy-dk: #0D2818;
  --gold:    #FFFFFF;
  --white:   #FFFFFF;
  --grey:    #F4F6F9;
  --grey-md: #E8ECF2;
  --text:    #1A2133;
  --text-md: #4A5568;
  --text-lt: #718096;
  --radius:  10px;
  --shadow:  0 4px 20px rgba(27,67,50,0.10);
  --shadow-hover: 0 8px 32px rgba(27,67,50,0.18);
  --transition: 0.25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Buttons ── */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  text-align: center;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dk);
  border-color: var(--gold);
}
.btn-primary:hover { background: #d8d8d8; border-color: #d8d8d8; transform: translateY(-2px); box-shadow: 0 6px 20px rgba(27,67,50,0.30); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.7);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); border-color: var(--white); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-dk); border-color: var(--navy-dk); transform: translateY(-2px); box-shadow: var(--shadow-hover); }

/* ── Navigation ── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(27,67,50,0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  max-width: 1160px;
  margin: 0 auto;
  height: 68px;
}
.nav-logo {
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.3px;
}
.nav-logo span { color: var(--gold); }
.nav-logo-img { height: 36px; width: auto; display: block; }
.nav-links { display: flex; align-items: center; gap: 8px; }
.nav-links a {
  color: rgba(255,255,255,0.85);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all var(--transition);
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.1); }
.nav-links .nav-cta {
  background: var(--gold);
  color: var(--navy-dk);
  font-weight: 700;
  padding: 9px 20px;
}
.nav-links .nav-cta:hover { background: #d8d8d8; }

/* Mobile menu */
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 6px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: all var(--transition); }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  padding-top: 68px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13,40,24,0.88) 0%, rgba(27,67,50,0.72) 60%, rgba(0,0,0,0.45) 100%);
}
.hero-content {
  position: relative;
  z-index: 1;
  max-width: 680px;
  padding: 60px 24px;
}
.hero-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dk);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 4px;
  margin-bottom: 20px;
}
.hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}
.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.88);
  margin-bottom: 36px;
  max-width: 500px;
  line-height: 1.7;
}
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }

/* ── Stats Strip ── */
.stats-strip {
  background: var(--navy);
  padding: 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  divide: var(--navy-dk);
}
.stat-item {
  padding: 28px 24px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.1);
  transition: background var(--transition);
}
.stat-item:last-child { border-right: none; }
.stat-item:hover { background: rgba(255,255,255,0.05); }
.stat-value {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.75);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* ── Section Shared ── */
.section { padding: 88px 0; }
.section-grey { background: var(--grey); }
.section-navy { background: var(--navy); }
.section-header { text-align: center; margin-bottom: 56px; }
.section-tag {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #2D6A4F;
  margin-bottom: 12px;
}
.section-title {
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.4px;
  margin-bottom: 14px;
}
.section-navy .section-title,
.section-navy .section-tag { color: var(--white); }
.section-navy .section-tag { color: var(--gold); }
.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-md);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.7;
}
.section-navy .section-subtitle { color: rgba(255,255,255,0.75); }

/* ── How It Works ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.step-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
  overflow: hidden;
}
.step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, #2D6A4F, var(--navy));
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.step-number {
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--grey-md);
  line-height: 1;
  margin-bottom: 16px;
}
.step-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
}
.step-card p { color: var(--text-md); font-size: 0.95rem; line-height: 1.65; }

/* ── Services Grid ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 0;
  border: 1px solid var(--grey-md);
  transition: all var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.service-img {
  width: 100%;
  height: 180px;
  background-size: cover;
  background-position: center;
  display: block;
}
.service-card-body {
  padding: 22px 24px 44px;
}
.service-card::after {
  content: '→';
  position: absolute;
  bottom: 24px;
  right: 24px;
  font-size: 18px;
  color: var(--grey-md);
  transition: all var(--transition);
}
.service-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
}
.service-card:hover::after { color: var(--navy); right: 20px; }
.service-icon {
  width: 52px;
  height: 52px;
  background: var(--grey);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 18px;
  transition: background var(--transition);
}
.service-card:hover .service-icon { background: rgba(27,67,50,0.1); }
.service-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
}
.service-card p { color: var(--text-md); font-size: 0.9rem; line-height: 1.6; padding-bottom: 20px; }

/* ── Why Choose Us ── */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.benefit-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 28px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.1);
  transition: background var(--transition);
}
.benefit-item:hover { background: rgba(255,255,255,0.12); }
.benefit-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.benefit-text h3 { font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.benefit-text p { font-size: 0.9rem; color: rgba(255,255,255,0.72); line-height: 1.6; }

/* ── CTA Band ── */
.cta-band {
  background: linear-gradient(135deg, var(--navy-dk) 0%, var(--navy) 100%);
  padding: 72px 0;
  text-align: center;
}
.cta-band h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; color: var(--white); margin-bottom: 14px; letter-spacing: -0.3px; }
.cta-band p { color: rgba(255,255,255,0.78); margin-bottom: 32px; font-size: 1.05rem; }

/* ── Service Page Hero (shorter) ── */
.hero-service {
  min-height: 52vh;
  padding-top: 68px;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
  position: relative;
}
.hero-service::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13,40,24,0.90) 0%, rgba(27,67,50,0.75) 100%);
}
.hero-service .hero-content { padding: 48px 24px; }

/* ── Service Content ── */
.service-body { padding: 72px 0; }
.service-body h2 { font-size: 1.9rem; font-weight: 800; color: var(--text); margin-bottom: 18px; letter-spacing: -0.3px; }
.service-body p { color: var(--text-md); font-size: 1rem; line-height: 1.75; margin-bottom: 18px; }
.service-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 32px;
}
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 20px;
  background: var(--grey);
  border-radius: 8px;
  border-left: 3px solid #2D6A4F;
}
.feature-item .feature-check { color: var(--navy); font-weight: 800; font-size: 16px; flex-shrink: 0; margin-top: 2px; }
.feature-item p { color: var(--text-md); font-size: 0.9rem; margin: 0; }

/* ── Service Contact Section ── */
.service-contact {
  background: var(--grey);
  padding: 72px 0;
  border-top: 1px solid var(--grey-md);
}
.contact-split {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 56px;
  align-items: start;
}
.contact-info h2 {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 14px;
  letter-spacing: -0.3px;
}
.contact-info > p {
  color: var(--text-md);
  font-size: 0.97rem;
  line-height: 1.7;
  margin-bottom: 28px;
}
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.contact-detail-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 20px;
  background: var(--white);
  border-radius: 8px;
  border: 1px solid var(--grey-md);
  transition: border-color var(--transition);
}
.contact-detail-item:hover { border-color: var(--navy); }
.contact-detail-icon {
  width: 36px;
  height: 36px;
  background: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}
.contact-detail-item a { color: var(--navy); font-weight: 600; font-size: 0.97rem; }
.contact-detail-item a:hover { color: var(--navy); }

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow);
}
.contact-form-wrap form { display: flex; flex-direction: column; gap: 14px; }
.contact-form-wrap input,
.contact-form-wrap textarea,
.contact-form-wrap select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--grey-md);
  border-radius: 7px;
  font-family: inherit;
  font-size: 15px;
  color: var(--text);
  background: var(--grey);
  transition: border-color var(--transition), background var(--transition);
  outline: none;
}
.contact-form-wrap input:focus,
.contact-form-wrap textarea:focus {
  border-color: var(--navy);
  background: var(--white);
}
.contact-form-wrap textarea { resize: vertical; min-height: 110px; }
.contact-form-wrap button {
  background: var(--navy);
  color: var(--white);
  border: none;
  padding: 15px 32px;
  border-radius: 7px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: 0.2px;
}
.contact-form-wrap button:hover {
  background: var(--navy-dk);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(27,67,50,0.3);
}

/* ── Full Contact Page ── */
.contact-page-section { padding: 80px 0; }
.contact-page-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 60px;
  align-items: start;
}
.contact-page-info h1 { font-size: 2.2rem; font-weight: 800; color: var(--text); margin-bottom: 16px; letter-spacing: -0.4px; }
.contact-page-info > p { color: var(--text-md); line-height: 1.75; margin-bottom: 32px; }
.contact-form { display: flex; flex-direction: column; gap: 14px; }
.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--grey-md);
  border-radius: 7px;
  font-family: inherit;
  font-size: 15px;
  color: var(--text);
  background: var(--grey);
  transition: border-color var(--transition);
  outline: none;
}
.contact-form input:focus,
.contact-form textarea:focus { border-color: var(--navy); background: var(--white); }
.contact-form textarea { resize: vertical; min-height: 130px; }
.contact-form button {
  background: var(--navy);
  color: var(--white);
  border: none;
  padding: 15px 32px;
  border-radius: 7px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
}
.contact-form button:hover { background: var(--navy-dk); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(27,67,50,0.3); }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--text); }

/* Form success message */
.form-success-message {
  text-align: center;
  padding: 48px 24px;
  animation: fadeIn 0.4s ease;
}
.form-success-icon {
  color: #22c55e;
  margin-bottom: 16px;
}
.form-success-message h3 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.form-success-message p {
  color: var(--text-light);
  font-size: 1rem;
}
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ── About Page ── */
.about-section { padding: 80px 0; }
.about-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 60px;
  align-items: center;
}
.about-grid h2 { font-size: 2rem; font-weight: 800; color: var(--text); margin-bottom: 18px; letter-spacing: -0.3px; }
.about-grid p { color: var(--text-md); line-height: 1.75; margin-bottom: 16px; }

/* ── Page Hero (About, Contact) ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dk) 0%, var(--navy) 100%);
  padding: 110px 24px 60px;
  text-align: center;
}
.page-hero h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 800; color: var(--white); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.78); font-size: 1.05rem; max-width: 500px; margin: 0 auto; }

/* ── Footer ── */
footer {
  background: var(--navy-dk);
  padding: 56px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand .nav-logo { font-size: 16px; margin-bottom: 14px; display: block; }
.footer-brand .nav-logo-img { height: 44px; width: auto; }
.footer-brand p { color: rgba(255,255,255,0.55); font-size: 14px; line-height: 1.7; max-width: 280px; }
.footer-socials { display: flex; gap: 12px; margin-top: 16px; }
.footer-socials a { color: rgba(255,255,255,0.55); transition: color var(--transition); display: flex; align-items: center; }
.footer-socials a:hover { color: var(--white); }
.footer-col h4 { color: var(--white); font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.8px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { color: rgba(255,255,255,0.55); font-size: 14px; transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-contact-item { display: flex; gap: 10px; align-items: center; color: rgba(255,255,255,0.9); font-size: 14px; margin-bottom: 12px; }
.footer-contact-item svg { flex-shrink: 0; color: rgba(255,255,255,0.9); stroke: rgba(255,255,255,0.9); }
.footer-contact-item a { color: rgba(255,255,255,0.9); transition: color var(--transition); }
.footer-contact-item a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.footer-bottom p { color: rgba(255,255,255,0.35); font-size: 13px; }

/* ── Services Overview Page ── */
.services-overview { padding: 72px 0; }
.services-overview-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* ── Responsive ── */
@media (max-width: 900px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; gap: 20px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .benefits-grid { grid-template-columns: 1fr; }
  .contact-split { grid-template-columns: 1fr; gap: 32px; }
  .contact-page-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .service-features { grid-template-columns: 1fr; }
  .services-overview-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: fixed; top: 68px; left: 0; right: 0; background: var(--navy-dk); padding: 20px 24px; gap: 4px; }
  .nav-toggle { display: flex; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: 1fr; }
  .hero-buttons { flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .contact-form-wrap { padding: 24px; }
  .services-overview-grid { grid-template-columns: 1fr; }
}

/* ── Inner page compatibility ── */
.content-section {
  max-width: 800px;
  margin: 0 auto;
  padding: 72px 0;
}
.content-section h2 {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 18px;
  letter-spacing: -0.3px;
}
.content-section h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  margin: 36px 0 12px;
}
.content-section p {
  color: var(--text-md);
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: 16px;
}
.content-section ul {
  list-style: none;
  padding: 0;
  margin: 20px 0 28px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
.content-section ul li {
  padding: 12px 16px;
  background: var(--grey);
  border-radius: 6px;
  border-left: 3px solid #2D6A4F;
  color: var(--text-md);
  font-size: 0.95rem;
  line-height: 1.5;
}

/* CTA section (about page) */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dk) 0%, var(--navy) 100%);
  padding: 72px 0;
  text-align: center;
}
.cta-section h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
}
.cta-section p {
  color: rgba(255,255,255,0.78);
  margin-bottom: 32px;
  font-size: 1.05rem;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}

/* btn-secondary */
.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.7);
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
}