/* ============================================
   SCRATCHPAY VET LOANS - MODERN MINIMALIST THEME
   ============================================ */

/* ========== RESET & BASE ========== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    /* Colors - Modern Minimalist Theme */
    --primary-color: #000000;
    --secondary-color: #6366F1;
    --accent-color: #10B981;
    --text-dark: #1E293B;
    --text-gray: #64748B;
    --bg-white: #FFFFFF;
    --bg-light: #F8FAFC;
    --border-color: #E2E8F0;
    
    /* Typography */
    --font-heading: 'Space Grotesk', sans-serif;
    --font-body: 'DM Sans', sans-serif;
    
    /* Spacing */
    --container-width: 1200px;
    --section-padding: 80px 0;
    
    /* Transitions */
    --transition: all 0.3s ease;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    color: var(--text-dark);
    line-height: 1.6;
    background-color: var(--bg-white);
    overflow-x: hidden;
}

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

section {
    padding: var(--section-padding);
}

/* ========== TYPOGRAPHY ========== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 16px;
}

h1 { font-size: 3.5rem; }
h2 { font-size: 2.5rem; }
h3 { font-size: 1.75rem; }
h4 { font-size: 1.25rem; }

p {
    margin-bottom: 16px;
    color: var(--text-gray);
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

/* ========== BUTTONS ========== */
.btn {
    display: inline-block;
    padding: 14px 32px;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1rem;
    border-radius: 8px;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
    text-align: center;
}

.btn-primary {
    background-color: var(--secondary-color);
    color: var(--bg-white);
    box-shadow: 0 4px 12px rgba(99, 102, 241, 0.3);
}

.btn-primary:hover {
    background-color: #4F46E5;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(99, 102, 241, 0.4);
}

.btn-secondary {
    background-color: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

.btn-secondary:hover {
    background-color: var(--primary-color);
    color: var(--bg-white);
}

.btn-large {
    padding: 18px 40px;
    font-size: 1.125rem;
}

/* ========== HEADER & NAVIGATION ========== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    background-color: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    z-index: 1000;
    transition: var(--transition);
}

.nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.nav-logo {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
    white-space: nowrap;
}

.logo-text {
    background: linear-gradient(135deg, #000000 0%, #6366F1 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.logo-accent {
    /* Inherit from parent */
}
    background-clip: text;
    font-weight: 700;
}

.nav-menu {
    display: flex;
}

.nav-list {
    display: flex;
    list-style: none;
    gap: 32px;
    align-items: center;
}

.nav-link {
    font-weight: 500;
    color: var(--text-dark);
    position: relative;
}

.nav-link:hover {
    color: var(--secondary-color);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--secondary-color);
    transition: width 0.3s ease;
}

.nav-link:hover::after {
    width: 100%;
}

.nav-link-button {
    background-color: var(--secondary-color);
    color: var(--bg-white);
    padding: 10px 24px;
    border-radius: 6px;
}

.nav-link-button::after {
    display: none;
}

.nav-link-button:hover {
    background-color: #4F46E5;
    transform: translateY(-2px);
}

/* Hamburger Menu */
.nav-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 6px;
    z-index: 1001;
    padding: 8px;
}

.nav-toggle-icon {
    width: 25px;
    height: 3px;
    background-color: var(--primary-color);
    transition: var(--transition);
    border-radius: 2px;
}

.nav-toggle.active .nav-toggle-icon:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
}

.nav-toggle.active .nav-toggle-icon:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active .nav-toggle-icon:nth-child(3) {
    transform: rotate(-45deg) translate(8px, -8px);
}

/* ========== HERO SECTION ========== */
.hero {
    padding-top: 140px;
    padding-bottom: 60px;
    background: linear-gradient(135deg, #F8FAFC 0%, #FFFFFF 100%);
}

.hero-container {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-text {
    animation: fadeInUp 0.8s ease;
}

.hero-title {
    font-size: 3.5rem;
    line-height: 1.1;
    margin-bottom: 24px;
    color: var(--primary-color);
}

.hero-title-accent {
    background: linear-gradient(135deg, #6366F1 0%, #10B981 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.25rem;
    color: var(--text-gray);
    margin-bottom: 32px;
    line-height: 1.6;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    margin-bottom: 32px;
}

.hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    font-size: 0.95rem;
    color: var(--text-gray);
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
}

.hero-image {
    animation: fadeInRight 1s ease;
}

.hero-image-placeholder {
    width: 100%;
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-image-placeholder svg {
    max-width: 100%;
    height: auto;
}

.trust-banner {
    background-color: var(--secondary-color);
    color: var(--bg-white);
    padding: 20px 0;
    margin-top: 40px;
}

.trust-banner-content {
    text-align: center;
    font-weight: 600;
    font-size: 1.1rem;
}

/* ========== STATS SECTION ========== */
.stats-section {
    background-color: var(--bg-white);
    padding: 60px 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    text-align: center;
}

.stat-item {
    padding: 20px;
}

.stat-number {
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--secondary-color);
    font-family: var(--font-heading);
    margin-bottom: 8px;
}

.stat-number::after {
    content: '%';
    font-size: 2rem;
}

.stat-item:nth-child(2) .stat-number::after,
.stat-item:nth-child(3) .stat-number::after,
.stat-item:nth-child(4) .stat-number::after {
    content: '';
}

.stat-item:nth-child(3) .stat-number::after {
    content: '+';
}

.stat-item:nth-child(4) .stat-number::after {
    content: '+';
}

.stat-label {
    font-size: 1rem;
    color: var(--text-gray);
    font-weight: 500;
}

/* ========== SECTION HEADERS ========== */
.section-title {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 16px;
    color: var(--primary-color);
}

.section-subtitle {
    text-align: center;
    font-size: 1.25rem;
    color: var(--text-gray);
    margin-bottom: 48px;
}

/* ========== HOW IT WORKS SECTION ========== */
.how-it-works {
    background-color: var(--bg-light);
}

.steps-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr;
    gap: 30px;
    align-items: center;
    margin-bottom: 48px;
}

.step-item {
    background-color: var(--bg-white);
    padding: 40px 30px;
    border-radius: 12px;
    text-align: center;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
    transition: var(--transition);
}

.step-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1);
}

.step-number {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, #6366F1 0%, #10B981 100%);
    color: var(--bg-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    font-weight: 700;
    margin: 0 auto 20px;
}

.step-title {
    font-size: 1.5rem;
    margin-bottom: 12px;
}

.step-description {
    color: var(--text-gray);
    line-height: 1.6;
}

.step-arrow {
    font-size: 2rem;
    color: var(--secondary-color);
    font-weight: 700;
}

.cta-center {
    text-align: center;
    margin-top: 48px;
}

/* ========== FEATURES SECTION ========== */
.features {
    background-color: var(--bg-white);
}

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

.feature-card {
    padding: 32px;
    border: 2px solid var(--border-color);
    border-radius: 12px;
    transition: var(--transition);
}

.feature-card:hover {
    border-color: var(--secondary-color);
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(99, 102, 241, 0.1);
}

.feature-icon {
    font-size: 2.5rem;
    margin-bottom: 16px;
}

.feature-title {
    font-size: 1.5rem;
    margin-bottom: 12px;
}

.feature-description {
    color: var(--text-gray);
    line-height: 1.6;
}

/* ========== COMPARISON SECTION ========== */
.comparison {
    background-color: var(--bg-light);
}

.comparison-table {
    background-color: var(--bg-white);
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
    margin-bottom: 32px;
}

.comparison-header {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    background-color: var(--primary-color);
    color: var(--bg-white);
    font-weight: 600;
    padding: 20px;
    gap: 20px;
}

.comparison-row {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    padding: 20px;
    gap: 20px;
    border-bottom: 1px solid var(--border-color);
}

.comparison-row:last-child {
    border-bottom: none;
}

.comparison-row:nth-child(even) {
    background-color: var(--bg-light);
}

.comparison-col {
    text-align: center;
    display: flex;
    align-items: center;
    justify-content: center;
}

.comparison-col:first-child {
    text-align: left;
    justify-content: flex-start;
}

.comparison-highlight {
    background-color: #F0F9FF;
    font-weight: 600;
    color: var(--secondary-color);
}

.comparison-badge {
    background-color: var(--accent-color);
    color: var(--bg-white);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.85rem;
    margin-bottom: 8px;
}

/* ========== TESTIMONIALS SECTION ========== */
.testimonials {
    background-color: var(--bg-white);
}

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

.testimonial-card {
    background-color: var(--bg-light);
    padding: 32px;
    border-radius: 12px;
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1);
}

.testimonial-rating {
    color: #FBBF24;
    font-size: 1.25rem;
    margin-bottom: 16px;
}

.testimonial-text {
    font-style: italic;
    color: var(--text-dark);
    margin-bottom: 20px;
    line-height: 1.7;
}

.testimonial-author {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.testimonial-author strong {
    color: var(--primary-color);
    font-weight: 600;
}

.testimonial-author span {
    color: var(--text-gray);
    font-size: 0.9rem;
}

/* ========== FAQ SECTION ========== */
.faq {
    background-color: var(--bg-light);
}

.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background-color: var(--bg-white);
    border-radius: 8px;
    margin-bottom: 16px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    padding: 24px;
    text-align: left;
    font-family: var(--font-heading);
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--primary-color);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
}

.faq-question:hover {
    background-color: var(--bg-light);
}

.faq-icon {
    font-size: 1.5rem;
    color: var(--secondary-color);
    transition: transform 0.3s ease;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 24px 24px;
}

.faq-answer p {
    color: var(--text-gray);
    line-height: 1.7;
}

/* ========== FINAL CTA SECTION ========== */
.final-cta {
    background: linear-gradient(135deg, #6366F1 0%, #10B981 100%);
    color: var(--bg-white);
    text-align: center;
    padding: 80px 0;
}

.final-cta-content {
    max-width: 700px;
    margin: 0 auto;
}

.final-cta-title {
    font-size: 2.5rem;
    color: var(--bg-white);
    margin-bottom: 16px;
}

.final-cta-subtitle {
    font-size: 1.25rem;
    margin-bottom: 32px;
    color: rgba(255, 255, 255, 0.9);
}

.final-cta .btn-primary {
    background-color: var(--bg-white);
    color: var(--secondary-color);
    font-size: 1.125rem;
}

.final-cta .btn-primary:hover {
    background-color: var(--bg-light);
    transform: scale(1.05);
}

.final-cta-note {
    margin-top: 16px;
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.8);
}

/* ========== FOOTER ========== */
.footer {
    background-color: var(--primary-color);
    color: var(--bg-white);
    padding: 60px 0 30px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.footer-title {
    font-size: 1.125rem;
    margin-bottom: 16px;
    color: var(--bg-white);
}

.footer-text {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 12px;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--bg-white);
    padding-left: 4px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.6);
    margin: 0;
}

.footer-legal {
    display: flex;
    gap: 24px;
}

.footer-legal a {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.9rem;
}

.footer-legal a:hover {
    color: var(--bg-white);
}

/* ========== ANIMATIONS ========== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInRight {
    from {
        opacity: 0;
        transform: translateX(30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

/* ========== RESPONSIVE DESIGN ========== */
@media (max-width: 1024px) {
    .hero-title {
        font-size: 2.75rem;
    }
    
    .features-grid,
    .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    /* Logo */
    .nav-logo {
        font-size: 1.25rem;
    }
    
    /* Navigation */
    .nav-menu {
        position: fixed;
        top: 80px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 80px);
        background-color: var(--bg-white);
        box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
        transition: left 0.3s cubic-bezier(0.4, 0, 0.2, 1);
        padding: 20px 0;
        overflow-y: auto;
        z-index: 999;
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .nav-list {
        flex-direction: column;
        gap: 0;
        width: 100%;
    }
    
    .nav-item {
        width: 100%;
        text-align: center;
        border-bottom: 1px solid var(--border-color);
    }
    
    .nav-link {
        display: block;
        padding: 16px 24px;
    }
    
    .nav-toggle {
        display: flex;
    }
    
    /* Hero */
    .hero {
        padding-top: 100px;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .hero-buttons {
        flex-direction: column;
    }
    
    .hero-image {
        order: -1;
    }
    
    /* Steps */
    .steps-grid {
        grid-template-columns: 1fr;
    }
    
    .step-arrow {
        display: none;
    }
    
    /* Features & Testimonials */
    .features-grid,
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    
    /* Comparison */
    .comparison-header,
    .comparison-row {
        grid-template-columns: 1fr;
        text-align: left;
    }
    
    .comparison-col {
        justify-content: flex-start;
        padding: 8px 0;
    }
    
    /* Stats */
    .stats-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    /* Footer */
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    /* Typography */
    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
    h3 { font-size: 1.25rem; }
    
    .section-title {
        font-size: 1.75rem;
    }
    
    .section-subtitle {
        font-size: 1rem;
    }
}

@media (max-width: 480px) {
    .nav-logo {
        font-size: 1.1rem;
    }
    
    .container {
        padding: 0 16px;
    }
    
    .btn {
        width: 100%;
    }
    
    .hero-buttons {
        width: 100%;
    }
    
    .stat-number {
        font-size: 2.5rem;
    }
}

/* ========== UTILITY CLASSES ========== */
.text-center {
    text-align: center;
}

.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }

.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }

/* ========== LOAN FORM SECTION ========== */
.loan-form-section {
    padding: 100px 0 40px 0;
    background: #f8f9fa;
}

.loan-form-wrapper {
    max-width: 900px;
    margin: 0 auto;
    padding: 40px;
    background: white;
    border: 3px solid #E2E8F0;
    border-radius: 20px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.08);
    transition: var(--transition);
}

.loan-form-wrapper:hover {
    box-shadow: 0 15px 50px rgba(0,0,0,0.12);
    border-color: #CBD5E1;
}

@media (max-width: 768px) {
    .loan-form-section {
        padding: 80px 0 30px 0;
    }
    
    .loan-form-wrapper {
        padding: 24px;
        border-width: 2px;
        border-radius: 16px;
    }
}

@media (max-width: 480px) {
    .loan-form-section {
        padding: 70px 0 20px 0;
    }
    
    .loan-form-wrapper {
        padding: 20px;
        border-width: 2px;
        border-radius: 12px;
    }
}