/* ===== Reset & base ===== */
* { box-sizing: border-box; margin: 0; padding: 0; }
html, body {
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    color: #1a1a1a;
    line-height: 1.5;
    background: #fafafa;
    max-width: 100%;
    overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
.profile-photo { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; margin-bottom: 0.75rem; }

/* ===== Buttons ===== */
.button {
    display: inline-block;
    padding: 0.6rem 1.4rem;
    border-radius: 6px;
    font-weight: 600;
    border: 2px solid #000035;
    cursor: pointer;
    transition: background 0.15s ease, color 0.15s ease;
}
.button.primary { background: #000035; color: #fff; }
.button.primary:hover { background: #000035; }
.button.secondary { background: transparent; color: #000035; }
.button.secondary:hover { background: #0a5c3610; }
.button.large { padding: 0.9rem 2rem; font-size: 1.1rem; }
.button.disabled { opacity: 0.5; cursor: not-allowed; border-color: #ccc; color: #999; }

/* ===== Header / nav ===== */
.site-header { background: #fff; border-bottom: 1px solid #eee; position: sticky; top: 0; z-index: 10; }
.logo { font-size: 1.4rem; font-weight: 800; color: #000035; }
.nav-links { display: flex; gap: 1.75rem; }
.nav-links a:hover { color: #ff0000; }
.nav-actions { display: flex; gap: 0.75rem; }

.logo-group {
    display: flex; align-items: center; gap: 0.6rem;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-title { font-size: 1.25rem; font-weight: 800; color: #000035; }
.logo-tagline { font-size: 0.7rem; color: #000000; font-weight: 500; letter-spacing: 0.02em; }
.logo-slider{
    overflow: hidden; white-space: nowrap; position: relative; width: 100%;
}
.logo-track{display: flex; width: max-content; animation: scrollLogos 25s linear infinite;}
.logo-slide{display: flex; align-items: center; justify-content: center; padding: 0 40px;}
.logo-slide-img{height: 40px; width: auto; object-fit: contain; filter: grayscale(100%); opacity: 0.7; transition: opacity 0.3s ease, filter 0.3s ease;}
.logo-slide-img:hover{filter: grayscale(0%); opacity: 1;}
@keyframes scrollLogos{
    0%{transform: translateX(0);}
    100%{transform: translateX(-50%);}
}
.navbar {
    max-width: 1200px; margin: 0 auto;
    display: flex; align-items: center; justify-content: space-between;
    padding: 1rem 1.5rem; position: relative;
}

/* Hamburger button — hidden on desktop */
.nav-toggle {
    display: none;
    flex-direction: column; justify-content: center; gap: 5px;
    width: 32px; height: 32px; background: none; border: none; cursor: pointer;
    padding: 0;
}
.nav-toggle span {
    display: block; width: 100%; height: 2px; background: #1a1a1a;
    transition: transform 0.25s ease, opacity 0.25s ease;
}
.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); }

.nav-collapse { display: flex; align-items: center; gap: 1.75rem; }

/* ===== Mobile ===== */
@media (max-width: 800px) {
    .nav-toggle { display: flex; }

    .nav-collapse {
        display: none;
        position: absolute; top: 100%; left: 0; right: 0;
        flex-direction: column; align-items: stretch; gap: 0;
        background: #fff; border-top: 1px solid #eee;
        box-shadow: 0 8px 20px rgba(0,0,0,0.08);
        padding: 1rem 1.5rem 1.5rem;
    }
    .nav-collapse.open { display: flex; }

    .nav-links { flex-direction: column; gap: 0; }
    .nav-links li { border-bottom: 1px solid #f2f2f2; }
    .nav-links a { display: block; padding: 0.85rem 0; }

    .nav-actions { flex-direction: column; gap: 0.6rem; margin-top: 1rem; }
    .nav-actions .button { width: 100%; text-align: center; }
    /*.logo-title {display:none;}*/
    .logo-tagline { display: none; }  /* saves space on small screens; drop this line if you want it to stay */
}

/* ===== Hero ===== */
.hero {
    max-width: 1200px; margin: 0 auto;
    display: flex; align-items: center; gap: 3rem;
    padding: 4rem 1.5rem;
}
.hero-text { flex: 1; }
.hero-text h1 { font-size: 2.5rem; line-height: 1.2; margin-bottom: 1rem; }
.hero-text p { font-size: 1.1rem; color: #444; margin-bottom: 1.5rem; }
.hero-subtext { font-size: 0.85rem; color: #888; margin-top: 0.75rem; }
.hero-image {
    flex: 1; min-height: 320px;
    background: #e8f0ea; border-radius: 16px;
}

/* ===== Trust bar ===== */
.trust-bar { text-align: center; padding: 3rem 1.5rem; }
.trust-bar h2 { font-size: 1.1rem; color: #666; font-weight: 500; margin-bottom: 1.5rem; }
.logo-row { display: flex; justify-content: center; gap: 2.5rem; flex-wrap: wrap; opacity: 0.7; }

/* ===== Feature sections ===== */
.feature {
    max-width: 1200px; margin: 0 auto;
    display: flex; align-items: center; gap: 3rem;
    padding: 4rem 1.5rem;
}
.feature-left { flex-direction: row-reverse; }
.feature-text { flex: 1; }
.feature-text h2 { font-size: 2rem; margin-bottom: 1rem; }
.feature-text p { color: #444; margin-bottom: 1.5rem; }
.feature-image {
    flex: 1; min-height: 280px;
    background: #f0f0f0; border-radius: 16px;
}

/* ===== Testimonial ===== */
.testimonial {
    max-width: 800px; margin: 0 auto; text-align: center;
    padding: 4rem 1.5rem;
}
.testimonial .quote { font-size: 1.4rem; font-style: italic; color: #222; margin-bottom: 1rem; }
.testimonial .attribution { color: #888; }
.testimonial-slider{
    width:100%; 
    max-width:600px; 
    margin:0 auto; 
    overflow:hidden;
    position:relative;
    border-radius:8px;
    box-shadow:0 4px 10px rgba(0,0,0,0.05)
}
.testimonial-track{display:flex;transition:transform 0.5s ease-in-out;}
.testimonial-card{min-width:100%;box-sizing:border-box;padding:40px;text-align: center;}
.testimonial-card p{font-size:1.1rem;color:#333;margin-bottom:15px;font-style:italic;}
.testimonial-card h4 {font-size:1rem;color:#000035;font-weight:600;}

/* ===== Why us ===== */
.why-us { max-width: 1200px; margin: 0 auto; padding: 4rem 1.5rem; text-align: center; }
.why-us h2 { font-size: 2rem; margin-bottom: 2.5rem; }
.why-us-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.why-card { background: #fff; border: 1px solid #eee; border-radius: 12px; padding: 2rem; }
.why-card h3 { margin-bottom: 0.5rem; }
.why-card p { color: #555; font-size: 0.95rem; }

/* ===== Final CTA ===== */
.final-cta { text-align: center; padding: 5rem 1.5rem; background: #ffffff; color: #000035; }
.final-cta h2 { font-size: 2rem; margin-bottom: 1.5rem; }
.final-cta .button.primary { background: #000035; color: #ffffff; border-color: #000035; }
.final-cta .button.primary:hover { background: #000035; }

/* ===== Footer ===== */
.site-footer { background: #000035; color: #ccc; padding: 3rem 1.5rem 1.5rem; }
.footer-links { max-width: 1200px; margin: 0 auto; display: flex; gap: 4rem; margin-bottom: 2rem; }
.footer-links h4 { color: #fff; margin-bottom: 0.75rem; }
.footer-links a { display: block; color: #ccc; padding: 0.2rem 0; }
.footer-links a:hover { color: #fff; }
.copyright { text-align: center; color: #ffffff; font-size: 0.85rem; border-top: 1px solid #333; padding-top: 1.5rem; }

/* ===== Auth / detail forms (signup, standard/agency detail pages) ===== */
.detail-page { display: flex; justify-content: center; padding: 3rem 1.5rem; }
.detail-card { background: #fff; border-radius: 12px; padding: 2.5rem; max-width: 640px; width: 100%; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
.detail-page-wide .detail-card {max-width: 900px;}
.back-link { color: #000035; font-size: 0.9rem; }
.auth-header h1 { margin: 0.5rem 0; font-size: 1.6rem; }
.auth-header p { color: #666; margin-bottom: 1.5rem; }

.auth-form.field-grid { display: flex; flex-direction: column; gap: 1rem; }
.auth-form label { display: flex; flex-direction: column; gap: 0.35rem; font-size: 0.9rem; font-weight: 600; color: #333; }
.auth-form input, .auth-form textarea {
    font: inherit; padding: 0.6rem 0.75rem;
    border: 1px solid #ccc; border-radius: 6px;
}
.auth-form input:focus, .auth-form textarea:focus { outline: none; border-color: #000035; }
.file-note { font-size: 0.75rem; color: #888; font-weight: 400; }
.detail-actions { display: flex; justify-content: space-between; margin-top: 1rem; }

.consent-check { display: flex; align-items: flex-start; gap: 0.5rem; font-size: 0.85rem; color: #555; }
.consent-check input { margin-top: 0.2rem; }

.error-message, .form-error {
    background: #fdecea; color: #ff0000;
    border: 1px solid #f5c2c0; border-radius: 6px;
    padding: 0.75rem 1rem; font-size: 0.9rem;
}
.notice { background: #eef2ff; color: #3730a3; border-radius: 6px; padding: 0.6rem 1rem; font-size: 0.9rem; }

/* ===== Dashboards ===== */
.profile-card { background: #fff; border-radius: 12px; padding: 1.5rem; margin-bottom: 2rem; box-shadow: 0 1px 6px rgba(0,0,0,0.05); }
.profile-card img { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; margin-bottom: 0.75rem; }
.agency-header { display: flex; align-items: center; gap: 1.5rem; margin-bottom: 2rem; }
.agency-header img { width: 72px; height: 72px; border-radius: 12px; object-fit: cover; }

.dashboard-actions { display: flex; gap: 0.75rem; flex-wrap: wrap; margin-bottom: 2rem; }

/* ===== Tables ===== */
table { width: 100%; border-collapse: collapse; background: #fff; border-radius: 8px; overflow: hidden; margin-bottom: 1.5rem; }
th, td { text-align: left; padding: 0.75rem 1rem; border-bottom: 1px solid #eee; font-size: 0.9rem; }
th { background: #f5f5f5; font-weight: 600; }
tr[onclick] { cursor: pointer; }
tr[onclick]:hover { background: #f0f7f2; }

/* ===== Loanee profile block (agency-facing loan detail) ===== */
.loanee-profile { background: #fff; border-radius: 12px; padding: 1.5rem; margin-bottom: 1.5rem; }

/* ===== Rating — color-coded, frontend-only ===== */
.rating { font-weight: 700; padding: 0.25rem 0.6rem; border-radius: 6px; font-size: 0.9rem; }
.rating-5 { color: #1b7a3d; background: #e3f5e9; }   /* green */
.rating-4 { color: #4d8c1f; background: #eef7e0; }   /* yellow-green */
.rating-3 { color: #a67c00; background: #fdf3d6; }   /* amber */
.rating-2 { color: #b35c00; background: #fde8d6; }   /* orange */
.rating-1 { color: #b3261e; background: #fdecea; }   /* red */
.rating-none { color: #666; background: #eee; }      /* gray — insufficient data */
.risk-summary { margin: 1rem 0; padding: 1rem; background: #fafafa; border-radius: 8px; }
.risk-note { font-size: 0.85rem; color: #666; margin-top: 0.4rem; }

/* ===== Responsive ===== */
@media (max-width: 900px) {
    .hero, .feature { flex-direction: column; }
    .feature-left { flex-direction: column; }
    .why-us-grid { grid-template-columns: 1fr; }
    .footer-links { flex-direction: column; gap: 2rem; }
    .navbar { flex-wrap: wrap; gap: 1rem; }
}
/* ===== Auth / role-selection page (signup.html) ===== */
.auth-page { display: flex; justify-content: center; padding: 3rem 1.5rem; }
.auth-card { background: #fff; border-radius: 12px; padding: 2.5rem; max-width: 720px; width: 100%; box-shadow: 0 2px 12px rgba(0,0,0,0.06); }

.role-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; margin: 2rem 0; }
.role-card { border: 1px solid #eee; border-radius: 10px; padding: 1.5rem; text-align: center; display: flex; flex-direction: column; gap: 0.75rem; }
.role-card h3 { font-size: 1.05rem; }
.role-card p { font-size: 0.85rem; color: #666; flex: 1; }

.auth-toggle { text-align: center; color: #666; font-size: 0.9rem; margin-top: 1rem; }
.auth-toggle a { color: #000035; font-weight: 600; }

@media (max-width: 700px) {
    .role-grid { grid-template-columns: 1fr; }
}

.watermark-overlay {
    position: fixed; inset: 0; pointer-events: none; z-index: 9999;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.8rem; font-weight: 700; color: rgba(0,0,0,0.05);
    transform: rotate(-30deg); white-space: nowrap; overflow: hidden;
}

.pricing-hero { text-align: center; padding: 3rem 1rem 1.5rem; }
.pricing-hero h1 { font-size: 1.9rem; margin-bottom: 0.4rem; }
.pricing-hero p { color: #666; font-size: 0.95rem; }

.pricing-callout {
    max-width: 800px;
    margin: 0 auto 1.5rem;
    padding: 0.7rem 1rem;
    background: #eef7f1;
    border-left: 3px solid #000035;
    border-radius: 6px;
    display: flex;
    gap: 0.5rem;
    align-items: flex-start;
    font-size: 0.8rem;
    color: #333;
}
.pricing-callout-icon {
    background: #000035; color: #fff;
    width: 18px; height: 18px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 0.7rem; font-weight: 700; flex-shrink: 0;
}
.pricing-callout-text strong { color: #000035; }

.pricing-grid-4 {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 0.75rem;
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 1rem 3rem;
}

.pcard {
    background: #fff;
    border: 1px solid #eee;
    border-radius: 12px;
    padding: 1.1rem 0.9rem;
    display: flex;
    flex-direction: column;
    position: relative;
    box-shadow: 0 3px 12px rgba(0,0,0,0.05);
}
.pcard h3 { font-size: 0.9rem; font-weight: 700; color: #333; margin-bottom: 0.3rem; }
.pcard-price { font-size: 1.6rem; font-weight: 800; color: #000035; margin-bottom: 0.2rem; }
.pcard-price span { font-size: 0.75rem; font-weight: 500; color: #888; }
.pcard-for { font-size: 0.72rem; color: #777; line-height: 1.3; margin-bottom: 0.4rem; min-height: 2rem; }
.pcard-trial { font-size: 0.7rem; font-weight: 600; color: #000035; margin-bottom: 0.5rem; }

.pcard-list { list-style: none; flex: 1; margin-bottom: 0.75rem; }
.pcard-list li {
    font-size: 0.75rem; color: #444;
    padding: 0.3rem 0;
    display: flex; align-items: center; gap: 0.35rem;
    border-bottom: 1px solid #f5f5f5;
}
.pcard-list li::before { content: "✓"; color: #000035; font-weight: 700; font-size: 0.75rem; }

.pcard-btn {
    display: block; text-align: center;
    padding: 0.5rem; border-radius: 6px;
    font-size: 0.8rem; font-weight: 600;
}
.pcard-btn-primary { background: #000035; color: #fff; }
.pcard-btn-secondary { background: transparent; color: #000035; border: 1.5px solid #000035; }
.pcard-cancel { text-align: center; font-size: 0.68rem; color: #999; margin-top: 0.4rem; }

.pcard-featured {
    border: 2px solid #000035;
    box-shadow: 0 6px 20px rgba(10,92,54,0.15);
}
.pcard-badge {
    position: absolute; top: -10px; left: 50%; transform: translateX(-50%);
    background: #000035; color: #fff; font-size: 0.62rem; font-weight: 700;
    padding: 0.2rem 0.6rem; border-radius: 999px;
}

@media (max-width: 800px) {
    .pricing-grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 480px) {
    .pricing-grid-4 { grid-template-columns: 1fr; }
}

.pricing-card {
    position: relative;
    background: #fff;
    border-radius: 20px;
    padding: 2.5rem 2rem;
    box-shadow: 0 8px 30px rgba(0,0,0,0.08);
    border: 1px solid #eee;
    transition: transform 0.25s ease, box-shadow 0.25s ease;
    display: flex; flex-direction: column;
}
.pricing-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 45px rgba(26, 14, 116, 0.18);
}

.pricing-card-featured {
    background: linear-gradient(160deg, #ffffff 0%, #ffffff 100%);
    color: #000035;
    border: 2px solid #000035;
    transform: scale(1.05);
    box-shadow: 0 15px 40px rgba(10, 10, 92, 0.3);
}
.pricing-card-featured:hover {
    transform: scale(1.05) translateY(-8px);
}

.heading{text-transform:uppercase;}
.subheading{text-transform:capitalize;}
.pricing-card-featured .pricing-amount span,
.pricing-card-featured p { color: rgb(8, 0, 56); }
.pricing-card-featured .pricing-features li { color: #000035; }
.pricing-card-featured .pricing-features li::before { color: #000035; }

.pricing-badge {
    position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
    background: #fff; color: #000035; font-size: 0.75rem; font-weight: 700;
    padding: 0.35rem 1rem; border-radius: 999px; letter-spacing: 0.03em;
    box-shadow: 0 4px 10px rgba(0,0,0,0.15);
}

.pricing-card-header { text-align: center; margin-bottom: 1.5rem; }
.pricing-card-header h3 { font-size: 1.1rem; font-weight: 600; opacity: 0.85; margin-bottom: 0.75rem; }
.pricing-amount { font-size: 2.75rem; font-weight: 800; color: #000035; }
.pricing-amount span { font-size: 1rem; font-weight: 500; color: #000035; margin-left: 0.35rem; }

.pricing-features { list-style: none; margin: 1.5rem 0; flex: 1; }
.pricing-features li {
    padding: 0.6rem 0; font-size: 0.95rem; color: #000035;
    display: flex; align-items: center; gap: 0.6rem;
}
.pricing-features li::before {
    content: "✓"; color: #000035; font-weight: 700; font-size: 1.1rem;
}

.pricing-cta { width: 100%; text-align: center; margin-top: 1rem; }

@media (max-width: 700px) {
    .pricing-grid { grid-template-columns: 1fr; }
    .pricing-card-featured { transform: none; }
    .pricing-card-featured:hover { transform: translateY(-8px); }
}

.pricing-grid-3 { grid-template-columns: repeat(3, 1fr); max-width: 1100px; }
@media (max-width: 900px) { .pricing-grid-3 { grid-template-columns: 1fr; } }

.verified-badge {
    display: inline-flex; align-items: center; gap: 0.3rem;
    background: #000035; color: #fff; font-size: 0.75rem; font-weight: 700;
    padding: 0.25rem 0.6rem; border-radius: 999px; vertical-align: middle; margin-left: 0.5rem;
}

/* ==========================================
   Standalone Legal Page Styling
   ========================================== */

/* Main Container */
.legal-page {
  max-width: 860px;
  margin: 2rem auto;
  padding: 0 1.25rem;
  color: #1e293b;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  line-height: 1.65;
}

/* Page Titles & Headers */
.legal-title {
  font-size: 2.25rem;
  font-weight: 700;
  color: #0f172a;
  letter-spacing: -0.025em;
  margin-bottom: 0.5rem;
  text-align: center;
}

.legal-subtitle {
  display: inline-block;
  font-size: 0.875rem;
  color: #64748b;
  background-color: #f1f5f9;
  padding: 0.35rem 0.85rem;
  border-radius: 9999px;
  font-weight: 500;
  text-align: center;
  margin: 0 auto 2.5rem auto;
  width: fit-content;
}

/* Container Card */
.legal-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 2.5rem;
  box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.05), 0 2px 4px -2px rgba(0, 0, 0, 0.05);
}

/* Section Headings inside Card */
.card-heading {
  font-size: 1.25rem;
  font-weight: 600;
  color: #0f172a;
  margin-top: 1.75rem;
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.card-heading:first-of-type {
  margin-top: 0;
}

/* Body Paragraphs */
.legal-paragraph {
  margin-top: 0;
  margin-bottom: 1.25rem;
  color: #334155;
}

/* Bulleted Lists */
.legal-list {
  list-style: none;
  padding-left: 0;
  margin: 0 0 1.5rem 0;
}

.legal-list-item {
  position: relative;
  padding-left: 1.5rem;
  margin-bottom: 0.85rem;
  color: #334155;
}

.legal-list-item::before {
  content: "•";
  position: absolute;
  left: 0.5rem;
  color: #2563eb;
  font-weight: bold;
}

.legal-list-item strong {
  color: #0f172a;
}

/* Links */
.back-link {
  color: #0284c7;
  font-weight: 600;
  text-decoration: none;
}

.back-link:hover {
  text-decoration: underline;
}

  .callout-box {
    background-color: #f8fafc;
    border-left: 4px solid #2563eb;
    padding: 1.25rem;
    border-radius: 0 8px 8px 0;
    margin: 1rem 0;
  }

  .callout-box p {
    margin: 0;
    color: #334155;
    font-size: 0.95rem;
  }

  .contact-box {
    background: #f0f9ff;
    border: 1px solid #bae6fd;
    border-radius: 8px;
    padding: 1.5rem;
    text-align: center;
  }

  .contact-box h4 {
    margin: 0 0 0.5rem 0;
    color: #0369a1;
  }

  .contact-link {
    color: #0284c7;
    font-weight: 600;
    text-decoration: none;
  }

  .contact-link:hover {
    text-decoration: underline;
  }

.beta-banner {
    background: #fff3cd;
    overflow: hidden;
    white-space: nowrap;
    padding: 0.5rem 0;
	width: 100%;
}
.beta-banner-track {
    display: inline-block;
    padding-left: 100%;
    color: #664d03;
    font-size: 0.85rem;
    animation: beta-scroll 18s linear infinite;
}
.beta-banner-track a {
    color: #664d03;
    text-decoration: underline;
    font-weight: 600;
}
@keyframes beta-scroll {
    from { transform: translateX(0); }
    to { transform: translateX(-100%); }
}

.beta-banner-track:hover {
    animation-play-state: paused;
}