/* ============================================================
   APEX LENDING PARTNERS — style.css
   Brand Colors:
     Background black: #0A0A0A
     Gold:             #C9A84C
     Dark green:       #1B4332
     White:            #FFFFFF
     Light gray:       #F5F5F5
   Font: Montserrat (Google Fonts)
============================================================ */

/* LOGO HEADER */
.site-header {
  background-color: #0A0A0A;
  padding: 12px 0 16px;
  text-align: center;
}

.site-logo {
  height: 160px;
  width: auto;
  display: block;
  margin: 0 auto;
}

@media (max-width: 480px) {
  .site-header {
    padding: 12px 0 0;
  }
  .site-logo {
    height: 130px;
  }
  .page-intro {
    padding: 8px 0 24px;
  }
}

/* PAGE INTRO (headline / ad alignment) */
.page-intro {
  background-color: #0A0A0A;
  padding: 0 0 36px;
  text-align: center;
}

.intro-headline {
  font-size: clamp(1.6rem, 4vw, 2.6rem);
  font-weight: 900;
  color: #FFFFFF;
  line-height: 1.15;
  letter-spacing: -0.01em;
  margin-bottom: 16px;
}

.intro-body {
  font-size: clamp(0.95rem, 2vw, 1.05rem);
  color: rgba(255, 255, 255, 0.8);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.65;
}

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

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

body {
  font-family: 'Montserrat', sans-serif;
  background-color: #0A0A0A;
  color: #FFFFFF;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.6;
}

a {
  color: #C9A84C;
  text-decoration: underline;
}

a:hover {
  color: #e6c06a;
}

ul {
  list-style: none;
  padding: 0;
}

/* ============================================================
   CONTAINER
============================================================ */
.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ============================================================
   UTILITY
============================================================ */
.gold { color: #C9A84C; }

/* ============================================================
   BUTTONS
============================================================ */
.btn-gold {
  display: inline-block;
  background-color: #C9A84C;
  color: #0A0A0A;
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  padding: 18px 40px;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  transition: background-color 0.2s ease, transform 0.1s ease, box-shadow 0.2s ease;
  box-shadow: 0 4px 14px rgba(201, 168, 76, 0.25);
  min-height: 56px;
}

.btn-gold:hover {
  background-color: #e6c06a;
  box-shadow: 0 6px 20px rgba(201, 168, 76, 0.40);
  transform: translateY(-1px);
}

.btn-gold:active {
  transform: translateY(0);
  box-shadow: 0 2px 8px rgba(201, 168, 76, 0.25);
}

.btn-full {
  width: 100%;
  text-align: center;
  font-size: 1.05rem;
  padding: 20px;
  border-radius: 6px;
  margin-top: 8px;
}

/* ============================================================
   SECTION 1: HERO
============================================================ */
.hero {
  background-color: #0A0A0A;
  padding: 60px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, #C9A84C, transparent);
}

.hero-content {
  max-width: 760px;
  margin: 0 auto;
}

.hero-headline {
  font-size: clamp(2.4rem, 6vw, 4rem);
  font-weight: 900;
  color: #FFFFFF;
  line-height: 1.1;
  letter-spacing: -0.01em;
  margin-bottom: 12px;
}

.hero-subheadline-gold {
  font-size: clamp(1.8rem, 4.5vw, 2.8rem);
  font-weight: 800;
  color: #C9A84C;
  line-height: 1.2;
  letter-spacing: -0.01em;
  margin-bottom: 28px;
}

.hero-body {
  font-size: clamp(1rem, 2.2vw, 1.15rem);
  color: rgba(255, 255, 255, 0.85);
  font-weight: 400;
  max-width: 600px;
  margin: 0 auto 36px;
  line-height: 1.7;
}

.hero-microcopy {
  margin-top: 14px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.50);
  font-weight: 500;
  letter-spacing: 0.02em;
}

/* ============================================================
   SECTION 2: TRUST BAR
============================================================ */
.trust-bar {
  background-color: #C9A84C;
  padding: 20px 0;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
  text-align: center;
}

.trust-item {
  font-size: clamp(0.8rem, 2vw, 0.95rem);
  font-weight: 700;
  color: #0A0A0A;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 28px;
}

.trust-divider {
  width: 1px;
  height: 22px;
  background-color: rgba(10, 10, 10, 0.3);
  flex-shrink: 0;
}

/* ============================================================
   SECTION 3: POSITIONING
============================================================ */
.positioning {
  background-color: #0F0F0F;
  padding: 80px 0;
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.05);
}

.section-headline {
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.25;
  margin-bottom: 24px;
  letter-spacing: -0.01em;
}

.section-body {
  font-size: clamp(0.95rem, 2vw, 1.05rem);
  color: rgba(255, 255, 255, 0.75);
  max-width: 680px;
  margin: 0 auto 52px;
  line-height: 1.75;
}

.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  text-align: left;
}

.card {
  background: linear-gradient(145deg, #1a1a1a, #141414);
  border: 1px solid rgba(201, 168, 76, 0.2);
  border-radius: 10px;
  padding: 32px 28px;
  transition: border-color 0.2s ease, transform 0.2s ease;
}

.card:hover {
  border-color: rgba(201, 168, 76, 0.45);
  transform: translateY(-3px);
}

.card-title {
  font-size: 1rem;
  font-weight: 700;
  color: #C9A84C;
  margin-bottom: 12px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.card-body {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.65;
}

/* ============================================================
   SECTION 4: FORM
============================================================ */
.form-section {
  background-color: #F5F5F5;
  padding: 28px 0 80px;
}

.form-wrapper {
  max-width: 680px;
  margin: 0 auto;
  background: #FFFFFF;
  border-radius: 14px;
  padding: clamp(28px, 5vw, 52px);
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.12);
}

.form-headline {
  font-size: clamp(1.4rem, 3.5vw, 2rem);
  font-weight: 800;
  color: #0A0A0A;
  line-height: 1.25;
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}

.form-subtext {
  font-size: 0.95rem;
  color: #555;
  margin-bottom: 28px;
  line-height: 1.6;
}

.qualification-notice {
  background: #f9f5e8;
  border-left: 4px solid #C9A84C;
  border-radius: 6px;
  padding: 18px 20px;
  margin-bottom: 32px;
}

.qual-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: #0A0A0A;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 8px;
}

.qual-list {
  list-style: disc;
  padding-left: 18px;
}

.qual-list li {
  font-size: 0.9rem;
  color: #333;
  margin-bottom: 4px;
  line-height: 1.5;
}

/* FORM ELEMENTS */
.form-group {
  margin-bottom: 20px;
}

.form-row.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

label {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  color: #333;
  margin-bottom: 7px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.req {
  color: #c0392b;
  margin-left: 2px;
}

input[type="text"],
input[type="tel"],
input[type="email"],
select {
  width: 100%;
  padding: 14px 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 500;
  color: #0A0A0A;
  background: #FFFFFF;
  border: 2px solid #e0e0e0;
  border-radius: 6px;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  appearance: none;
  -webkit-appearance: none;
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 44px;
  cursor: pointer;
}

input[type="text"]:focus,
input[type="tel"]:focus,
input[type="email"]:focus,
select:focus {
  border-color: #C9A84C;
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.15);
}

input.error,
select.error {
  border-color: #c0392b;
}

.field-error {
  display: block;
  font-size: 0.78rem;
  color: #c0392b;
  font-weight: 600;
  margin-top: 5px;
  min-height: 1em;
}

/* CONSENT */
.consent-group {
  margin-top: 8px;
  margin-bottom: 24px;
}

.consent-label {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  cursor: pointer;
  text-transform: none;
  letter-spacing: normal;
  font-weight: normal;
}

.consent-label input[type="checkbox"] {
  width: 20px;
  height: 20px;
  min-width: 20px;
  margin-top: 2px;
  accent-color: #C9A84C;
  cursor: pointer;
  border-radius: 3px;
}

.consent-text {
  font-size: 0.82rem;
  color: #555;
  line-height: 1.6;
  font-weight: 400;
}

.consent-text a {
  color: #C9A84C;
}

/* RESULT MESSAGES */
.result-message {
  border-radius: 10px;
  padding: 32px 28px;
  text-align: center;
}

.success-message {
  background: #f0faf5;
  border: 2px solid #1B4332;
}

.success-message h3 {
  font-size: 1.4rem;
  font-weight: 800;
  color: #1B4332;
  margin-bottom: 12px;
}

.success-message p {
  color: #333;
  font-size: 0.95rem;
  line-height: 1.65;
  margin-bottom: 8px;
}

.result-note {
  font-weight: 600;
  color: #1B4332 !important;
  margin-top: 8px;
}

.disqualified-message {
  background: #fdf5f5;
  border: 2px solid #e0c0c0;
}

.disqualified-message h3 {
  font-size: 1.2rem;
  font-weight: 800;
  color: #0A0A0A;
  margin-bottom: 12px;
}

.disqualified-message p {
  color: #444;
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 10px;
}

.result-subtitle {
  font-weight: 700;
  margin-top: 8px;
  margin-bottom: 4px !important;
  color: #0A0A0A !important;
}

.result-list {
  list-style: disc;
  padding-left: 20px;
  text-align: left;
  display: inline-block;
  margin-bottom: 12px;
}

.result-list li {
  font-size: 0.9rem;
  color: #444;
  margin-bottom: 4px;
  line-height: 1.5;
}

/* ============================================================
   SECTION 5: CREDIBILITY
============================================================ */
.credibility {
  background-color: #1B4332;
  padding: 80px 0;
  text-align: center;
}

.cred-intro {
  font-size: clamp(1rem, 2.5vw, 1.2rem);
  color: rgba(255, 255, 255, 0.88);
  font-weight: 500;
  max-width: 600px;
  margin: 0 auto 16px;
  line-height: 1.65;
}

.cred-bold {
  font-size: clamp(1.5rem, 4vw, 2.2rem);
  font-weight: 900;
  margin-bottom: 16px;
  letter-spacing: -0.01em;
}

.cred-sub {
  font-size: clamp(0.95rem, 2vw, 1.1rem);
  color: rgba(255, 255, 255, 0.80);
  font-weight: 400;
  max-width: 520px;
  margin: 0 auto 52px;
  line-height: 1.65;
}

.cred-points {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 24px;
}

.cred-point {
  font-size: clamp(1rem, 2.5vw, 1.3rem);
  font-weight: 800;
  color: #C9A84C;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 16px 32px;
  border: 2px solid rgba(201, 168, 76, 0.35);
  border-radius: 8px;
  background: rgba(201, 168, 76, 0.06);
  transition: border-color 0.2s, background 0.2s;
  cursor: pointer;
}

.cred-point:hover {
  border-color: rgba(201, 168, 76, 0.65);
  background: rgba(201, 168, 76, 0.10);
}

/* ============================================================
   SECTION 6: FOOTER CTA
============================================================ */
.footer-cta {
  background-color: #0A0A0A;
  padding: 80px 0;
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-cta-headline {
  font-size: clamp(1.4rem, 3.5vw, 2.1rem);
  font-weight: 800;
  color: #C9A84C;
  margin-bottom: 32px;
  line-height: 1.3;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
  letter-spacing: -0.01em;
}

/* ============================================================
   FOOTER
============================================================ */
.site-footer {
  background-color: #080808;
  padding: 40px 0;
  text-align: center;
  border-top: 1px solid rgba(201, 168, 76, 0.15);
}

.footer-brand {
  font-size: 1rem;
  font-weight: 700;
  color: #C9A84C;
  letter-spacing: 0.05em;
  margin-bottom: 6px;
}

.footer-copy {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 14px;
}

.footer-links {
  margin-bottom: 20px;
  font-size: 0.85rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.55);
  text-decoration: underline;
  transition: color 0.2s;
}

.footer-links a:hover {
  color: #C9A84C;
}

.footer-sep {
  margin: 0 10px;
  color: rgba(255, 255, 255, 0.25);
}

.footer-disclaimer {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.35);
  max-width: 820px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ============================================================
   RESPONSIVE — MOBILE
============================================================ */
@media (max-width: 600px) {
  .form-row.two-col {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .trust-bar-inner {
    flex-direction: column;
    gap: 10px;
  }

  .trust-divider {
    width: 40px;
    height: 1px;
  }

  .cred-points {
    flex-direction: column;
    align-items: center;
  }

  .cred-point {
    width: 100%;
    max-width: 340px;
  }

  .hero {
    padding: 60px 0 60px;
  }

  .form-wrapper {
    padding: 28px 20px;
  }

  .footer-cta-headline {
    margin-bottom: 28px;
  }
}

@media (max-width: 400px) {
  .btn-gold {
    padding: 16px 24px;
    font-size: 0.92rem;
  }

  .trust-item {
    font-size: 0.78rem;
  }
}