/* ==========================================================================
   Trust Link Advisors — refreshed static rebuild
   Hand-written CSS (no build step). Deployed on Vercel.
   ========================================================================== */

/* ---------- Design tokens ---------- */
:root {
  --navy-900: #0b1b3b;
  --navy-800: #10254f;
  --navy-700: #16336b;
  --blue-600: #1e5bd6;
  --blue-500: #2f6fef;
  --blue-400: #5b8def;
  --blue-50:  #eef4ff;
  --gold-500: #f5b301;
  --gold-400: #ffc734;
  --ink-900:  #0e1726;
  --ink-700:  #33415c;
  --ink-500:  #64748b;
  --line:     #e4e9f2;
  --bg:       #ffffff;
  --bg-soft:  #f6f8fc;
  --bg-navy:  #0b1b3b;
  --white:    #ffffff;

  --radius:   16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 2px rgba(16,37,79,.06), 0 2px 8px rgba(16,37,79,.05);
  --shadow-md: 0 8px 24px rgba(16,37,79,.10);
  --shadow-lg: 0 24px 60px rgba(16,37,79,.16);
  --maxw: 1160px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink-900);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { line-height: 1.15; margin: 0; letter-spacing: -0.02em; color: var(--ink-900); }
p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section-soft { background: var(--bg-soft); }
.section-navy { background: var(--bg-navy); color: #dbe4f5; }
/* Headings default to dark ink; invert them on dark sections. */
.section-navy h1, .section-navy h2, .section-navy h3, .section-navy h4 { color: #fff; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
  color: var(--blue-600); background: var(--blue-50);
  padding: 8px 14px; border-radius: 999px; margin-bottom: 18px;
}
.section-navy .eyebrow { color: var(--gold-400); background: rgba(255,199,52,.12); }

.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head.left { margin-left: 0; text-align: left; }
.section-head h2 { font-size: clamp(28px, 4vw, 42px); font-weight: 800; }
.section-head p { margin-top: 16px; color: var(--ink-500); font-size: 18px; }
.section-navy .section-head p { color: #a9b8d8; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-weight: 700; font-size: 16px; padding: 14px 26px; border-radius: 999px;
  cursor: pointer; border: 1px solid transparent; transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--blue-600); color: #fff; box-shadow: 0 8px 20px rgba(30,91,214,.28); }
.btn-primary:hover { background: var(--blue-500); box-shadow: 0 12px 26px rgba(30,91,214,.34); }
.btn-gold { background: var(--gold-500); color: var(--navy-900); box-shadow: 0 8px 20px rgba(245,179,1,.30); }
.btn-gold:hover { background: var(--gold-400); }
.btn-ghost { background: #fff; color: var(--navy-800); border-color: var(--line); box-shadow: var(--shadow-sm); }
.btn-ghost:hover { border-color: var(--blue-400); }
.btn svg { width: 18px; height: 18px; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.82); backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.nav-brand img { height: 40px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { font-weight: 600; font-size: 15px; color: var(--ink-700); transition: color .15s; }
.nav-links a:hover { color: var(--blue-600); }
.nav-right { display: flex; align-items: center; gap: 18px; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--navy-800); font-size: 15px; }
.nav-phone svg { width: 18px; height: 18px; color: var(--blue-600); }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 6px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy-800); margin: 5px 0; border-radius: 2px; transition: .25s; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #f6f9ff 0%, #ffffff 100%); }
.hero::before {
  content: ""; position: absolute; top: -140px; right: -160px; width: 520px; height: 520px;
  background: radial-gradient(circle, rgba(47,111,239,.16), transparent 70%); z-index: 0;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding: 84px 0 96px; position: relative; z-index: 1; }
.hero h1 { font-size: clamp(38px, 5.4vw, 60px); font-weight: 800; letter-spacing: -0.03em; }
.hero-sub { margin-top: 18px; font-size: 20px; color: var(--ink-700); font-weight: 500; }
.hero-lede { margin-top: 14px; font-size: 18px; color: var(--ink-500); }
.hero-checks { margin-top: 28px; display: grid; gap: 12px; }
.hero-checks li { display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--navy-800); }
.hero-checks .check { flex: 0 0 24px; width: 24px; height: 24px; border-radius: 50%; background: var(--blue-50); display: grid; place-items: center; }
.hero-checks .check svg { width: 14px; height: 14px; color: var(--blue-600); }
.hero-actions { margin-top: 34px; display: flex; gap: 14px; flex-wrap: wrap; }

.hero-visual { position: relative; }
.hero-visual > img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; }
.hero-review {
  position: absolute; left: 20px; bottom: 20px; background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(6px); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 16px 18px; max-width: 286px; border: 1px solid var(--line);
}
.hero-review .stars { display: flex; gap: 3px; margin-bottom: 8px; }
.hero-review .stars svg { width: 16px; height: 16px; color: var(--gold-500); }
.hero-review .quote { font-size: 14px; color: var(--ink-700); line-height: 1.5; }
.hero-review .who { margin-top: 10px; font-weight: 700; font-size: 14px; }
.hero-review .funded { color: var(--blue-600); font-size: 13px; font-weight: 600; }

/* ---------- Trust bar ---------- */
/* Filled band. #4C5177 matches the backing rect inside b1.svg, so the BBB
   badge sits on it seamlessly. The b2–b4 icons are near-black, so they need
   the white chip to read against the band. */
.trustbar { background: #fff; padding: 8px 0 4px; }
.trustbar-band {
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap;
  gap: 20px 34px; background: #4C5177; border-radius: var(--radius);
  padding: 18px 40px;
}
.trustbar-badge { height: 46px; width: auto; }
.trust-item { display: flex; align-items: center; gap: 14px; }
.trust-chip {
  flex: 0 0 46px; width: 46px; height: 46px; border-radius: 50%; background: #fff;
  display: grid; place-items: center;
}
.trust-chip img { width: 24px; height: 24px; object-fit: contain; }
.trust-item > span:last-child {
  font-size: 14px; font-weight: 600; color: #fff; white-space: nowrap;
  text-transform: uppercase; letter-spacing: .06em;
}

/* ---------- Offerings ---------- */
.offerings-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.offer-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px 30px;
  box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; position: relative;
}
.offer-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: var(--blue-400); }
.offer-icon { width: 60px; height: 60px; border-radius: 16px; background: var(--blue-50); display: grid; place-items: center; margin-bottom: 22px; }
.offer-icon img { width: 32px; height: 32px; }
.offer-card h3 { font-size: 22px; font-weight: 800; margin-bottom: 12px; }
.offer-card p { color: var(--ink-500); font-size: 16px; }
.offer-card .offer-link { margin-top: 20px; display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--blue-600); font-size: 15px; }
.offer-card .offer-link svg { width: 16px; height: 16px; transition: transform .15s; }
.offer-card:hover .offer-link svg { transform: translateX(4px); }

/* ---------- Steps ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.step-card { text-align: center; padding: 12px; }
.step-num { width: 64px; height: 64px; margin: 0 auto 22px; border-radius: 50%; background: var(--navy-800); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 24px; box-shadow: 0 10px 22px rgba(11,27,59,.28); }
.section-navy .step-num { background: var(--gold-500); color: var(--navy-900); }
.step-card h3 { font-size: 20px; font-weight: 800; margin-bottom: 10px; text-transform: capitalize; }
.step-card p { color: var(--ink-500); }
.section-navy .step-card h3 { color: #fff; }
.section-navy .step-card p { color: #a9b8d8; }
.steps-cta { text-align: center; margin-top: 48px; }

/* ---------- Eligibility ---------- */
.elig { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 12px; }
.elig-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; text-align: center; box-shadow: var(--shadow-sm); }
.elig-card .label { font-size: 13px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--ink-500); }
.elig-card .value { margin-top: 10px; font-size: 24px; font-weight: 800; color: var(--navy-800); }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.about-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); width: 100%; }
.about-copy h2 { font-size: clamp(28px, 4vw, 40px); font-weight: 800; }
.about-copy p { margin-top: 18px; color: var(--ink-700); font-size: 17px; }
.about-copy .btn { margin-top: 28px; }

/* ---------- Reviews ---------- */
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; }
.review-card .stars { display: flex; gap: 3px; margin-bottom: 16px; }
.review-card .stars svg { width: 18px; height: 18px; color: var(--gold-500); }
.review-card .quote { color: var(--ink-700); font-size: 16px; flex: 1; }
.review-foot { display: flex; align-items: center; gap: 14px; margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--line); }
.review-foot img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.review-foot .name { font-weight: 800; font-size: 15px; }
.review-foot .role { color: var(--ink-500); font-size: 13px; }
.review-foot .funded { color: var(--blue-600); font-weight: 700; font-size: 13px; margin-top: 2px; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 820px; margin: 0 auto; display: grid; gap: 14px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 20px; text-align: left; padding: 22px 26px; background: none; border: 0; cursor: pointer; font-size: 18px; font-weight: 700; color: var(--navy-800); font-family: inherit; }
.faq-icon { flex: 0 0 32px; width: 32px; height: 32px; border-radius: 50%; background: var(--blue-50); display: grid; place-items: center; position: relative; transition: background .2s; }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; background: var(--blue-600); border-radius: 2px; transition: transform .25s ease; }
.faq-icon::before { width: 14px; height: 2px; }
.faq-icon::after { width: 2px; height: 14px; }
.faq-item.open .faq-icon { background: var(--blue-600); }
.faq-item.open .faq-icon::before, .faq-item.open .faq-icon::after { background: #fff; }
.faq-item.open .faq-icon::after { transform: rotate(90deg); opacity: 0; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 26px 24px; color: var(--ink-500); font-size: 16px; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: start; }
.contact-info h2 { font-size: clamp(28px, 4vw, 40px); font-weight: 800; }
.contact-info > p { margin-top: 16px; color: var(--ink-500); font-size: 18px; }
.contact-list { margin-top: 32px; display: grid; gap: 20px; }
.contact-row { display: flex; align-items: center; gap: 16px; }
.contact-row .ic { flex: 0 0 48px; width: 48px; height: 48px; border-radius: 12px; background: var(--blue-50); display: grid; place-items: center; }
.contact-row .ic img { width: 22px; height: 22px; }
.contact-row .label { font-size: 13px; color: var(--ink-500); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.contact-row .val { font-weight: 700; color: var(--navy-800); font-size: 16px; }

.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px; box-shadow: var(--shadow-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-size: 14px; font-weight: 600; color: var(--ink-700); margin-bottom: 7px; }
.field input, .field textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: 12px; font-family: inherit;
  font-size: 15px; color: var(--ink-900); background: var(--bg-soft); transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field textarea:focus { outline: none; border-color: var(--blue-400); box-shadow: 0 0 0 3px rgba(47,111,239,.12); background: #fff; }
.field textarea { resize: vertical; min-height: 120px; }
.consent { display: flex; gap: 10px; align-items: flex-start; margin: 6px 0 20px; }
.consent input { margin-top: 4px; flex: 0 0 auto; }
.consent label { font-size: 12.5px; color: var(--ink-500); line-height: 1.5; }
.consent a { color: var(--blue-600); font-weight: 600; }
.form-note { margin-top: 16px; font-size: 14px; font-weight: 600; text-align: center; display: none; }
.form-note.ok { display: block; color: #157347; }
.form-note.err { display: block; color: #c0392b; }

/* ---------- Apply page ---------- */
.apply-hero { background: linear-gradient(180deg, #f6f9ff 0%, #fff 100%); padding: 64px 0 40px; text-align: center; }
.apply-hero h1 { font-size: clamp(32px, 4.5vw, 46px); font-weight: 800; }
.apply-hero p { margin-top: 14px; color: var(--ink-500); font-size: 18px; max-width: 620px; margin-left: auto; margin-right: auto; }
.apply-embed { padding: 20px 0 90px; }
.apply-embed .container { max-width: 900px; }
.apply-frame { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 12px; min-height: 620px; position: relative; }
.apply-frame iframe { width: 100%; border: 0; min-height: 900px; display: block; }

/* Placeholder shown until the JotForm iframe reports its height */
.apply-loading {
  position: absolute; inset: 12px; display: grid; place-content: center; justify-items: center;
  gap: 16px; background: #fff; border-radius: var(--radius-lg); z-index: 1;
}
.apply-loading p { color: var(--ink-500); font-size: 15px; font-weight: 600; }
.apply-spinner {
  width: 34px; height: 34px; border-radius: 50%;
  border: 3px solid var(--blue-50); border-top-color: var(--blue-600);
  animation: apply-spin .8s linear infinite;
}
@keyframes apply-spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .apply-spinner { animation-duration: 2.4s; } }

/* ---------- Legal pages ---------- */
.legal { padding: 64px 0 90px; }
.legal .container { max-width: 820px; }
.legal h1 { font-size: clamp(30px, 4vw, 42px); font-weight: 800; margin-bottom: 8px; }
.legal .updated { color: var(--ink-500); font-size: 15px; margin-bottom: 40px; }
.legal-body h2, .legal-body h3 { font-size: 20px; font-weight: 800; margin: 34px 0 12px; color: var(--navy-800); }
.legal-body p { margin: 0 0 16px; color: var(--ink-700); font-size: 16px; }
.legal-body a { color: var(--blue-600); font-weight: 600; }
.legal-body ul { list-style: disc; padding-left: 22px; margin: 0 0 16px; color: var(--ink-700); }
.legal-body li { margin-bottom: 8px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #b9c6e2; padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.10); }
.footer-brand img { height: 42px; margin-bottom: 18px; filter: brightness(0) invert(1); }
.footer-brand p { color: #8ea0c6; font-size: 15px; max-width: 320px; }
.footer-brand .social { margin-top: 20px; display: flex; gap: 12px; }
.footer-brand .social a { width: 40px; height: 40px; border-radius: 50%; background: rgba(255,255,255,.08); display: grid; place-items: center; transition: background .15s; }
.footer-brand .social a:hover { background: var(--blue-600); }
.footer-brand .social svg { width: 18px; height: 18px; color: #fff; }
.footer-col h4 { color: #fff; font-size: 14px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col a { display: block; color: #b9c6e2; font-size: 15px; margin-bottom: 12px; transition: color .15s; }
.footer-col a:hover { color: #fff; }
.footer-bottom { padding-top: 28px; display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; font-size: 14px; color: #8ea0c6; }

/* ---------- Mobile nav panel ---------- */
.mobile-menu { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 991px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { max-width: 520px; margin-inline: auto; }
  .offerings-grid, .steps-grid, .reviews-grid { grid-template-columns: 1fr 1fr; }
  .elig { grid-template-columns: 1fr 1fr; }
  .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .about-media { order: -1; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 767px) {
  .section { padding: 64px 0; }
  .nav-links, .nav-right .nav-phone { display: none; }
  .nav-toggle { display: block; }
  .offerings-grid, .steps-grid, .reviews-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-review { position: static; margin-top: 20px; max-width: none; }
  .trustbar-band { flex-direction: column; align-items: flex-start; gap: 16px; padding: 22px 24px; }
  .trustbar-badge { height: 38px; }
  .trust-chip { flex-basis: 38px; width: 38px; height: 38px; }
  .trust-chip img { width: 20px; height: 20px; }
  .trust-item { gap: 11px; }
  .trust-item > span:last-child { font-size: 13px; }

  /* mobile menu */
  .mobile-menu { display: block; position: fixed; inset: 76px 0 auto 0; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); transform: translateY(-120%); transition: transform .28s ease; z-index: 40; }
  .mobile-menu.open { transform: translateY(0); }
  .mobile-menu nav { display: flex; flex-direction: column; padding: 18px 24px 26px; }
  .mobile-menu nav a { padding: 14px 0; font-weight: 600; font-size: 17px; border-bottom: 1px solid var(--line); color: var(--ink-700); }
  .mobile-menu .btn { margin-top: 18px; }
  .nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle.open span:nth-child(2) { opacity: 0; }
  .nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}
@media (max-width: 479px) {
  .elig { grid-template-columns: 1fr; }
  body { font-size: 16px; }
}