/* =========================================================
   UTANG WISE - INDEX PAGE
========================================================= */

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --navy: #062347;
    --dark-navy: #041A35;
    --gold: #E5A129;
    --dark-gold: #C88A22;
    --cream: #FFF4DF;
    --light-cream: #FFF9F0;
    --white: #FFFFFF;
    --text: #52606F;
    --border: rgba(6, 35, 71, 0.09);
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 82px;
}

body {
    min-height: 100vh;
    overflow-x: hidden;
    background: var(--white);
    color: var(--navy);
    font-family: "DM Sans", sans-serif;
}

a {
    color: inherit;
}


/* =========================================================
   NAVBAR
========================================================= */

.main-header {
    position: sticky;

    top: 0;

    width: 100%;

    background: rgba(255, 255, 255, 0.97);

    border-bottom: 1px solid rgba(6, 35, 71, 0.07);

    box-shadow:
        0 4px 18px
        rgba(6, 35, 71, 0.04);

    z-index: 1000;

    backdrop-filter: blur(12px);
}

.navbar {
    width: 100%;
    max-width: 1400px;

    min-height: 82px;

    margin: 0 auto;

    padding:
        0
        clamp(35px, 6vw, 90px);

    display: flex;
    align-items: center;

    gap: 30px;
}


/* =========================================================
   NAV BRAND
========================================================= */

.nav-brand {
    display: flex;
    align-items: center;

    gap: 11px;

    margin-right: auto;

    text-decoration: none;
}

.nav-brand img {
    width: 54px;
    height: 54px;

    display: block;

    object-fit: contain;
}

.brand-text {
    display: flex;
    flex-direction: column;
}

.brand-text strong {
    color: var(--navy);

    font-family: "Playfair Display", serif;

    font-size: 20px;
    font-weight: 700;

    line-height: 1;
}

.brand-text span {
    margin-top: 5px;

    color: #B47A16;

    font-size: 7px;
    font-weight: 700;

    letter-spacing: 1.25px;
}


/* =========================================================
   NAV LINKS
========================================================= */

.nav-links {
    display: flex;
    align-items: center;

    gap: clamp(22px, 3vw, 42px);
}

.nav-links a {
    position: relative;

    padding: 31px 0 27px;

    color: #344356;

    font-size: 14px;
    font-weight: 500;

    text-decoration: none;

    transition: color 0.2s ease;
}

.nav-links a:hover {
    color: var(--gold);
}

.nav-links a::after {
    content: "";

    position: absolute;

    left: 50%;
    bottom: 20px;

    width: 0;
    height: 3px;

    border-radius: 100px;

    background: var(--gold);

    transform: translateX(-50%);

    transition: width 0.2s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 24px;
}

.nav-links a.active {
    color: var(--navy);

    font-weight: 700;
}


/* =========================================================
   NAV ACTIONS
========================================================= */

.nav-actions {
    display: flex;
    align-items: center;

    gap: 12px;
}

.login-btn,
.register-btn {
    min-width: 92px;
    height: 42px;

    display: flex;
    align-items: center;
    justify-content: center;

    padding: 0 20px;

    border-radius: 8px;

    font-size: 13px;
    font-weight: 700;

    text-decoration: none;

    transition:
        background 0.2s ease,
        color 0.2s ease,
        transform 0.2s ease;
}

.login-btn {
    border: 1px solid var(--navy);

    color: var(--navy);

    background: transparent;
}

.login-btn:hover {
    background: var(--navy);

    color: var(--white);
}

.register-btn {
    border: 1px solid var(--navy);

    background: var(--navy);

    color: var(--white);
}

.register-btn:hover {
    background: var(--dark-navy);

    transform: translateY(-1px);
}


/* =========================================================
   MOBILE MENU BUTTON
========================================================= */

.mobile-menu-btn {
    width: 42px;
    height: 42px;

    display: none;
    place-items: center;

    border: none;
    border-radius: 8px;

    background: var(--navy);

    color: var(--white);

    cursor: pointer;
}

.mobile-menu-btn
.material-symbols-outlined {
    font-size: 25px;
}


/* =========================================================
   MOBILE NAV
========================================================= */

.mobile-nav {
    display: none;

    padding:
        10px
        30px
        25px;

    background: var(--white);

    border-top:
        1px solid
        rgba(6, 35, 71, 0.07);
}

.mobile-nav.show {
    display: flex;
    flex-direction: column;

    gap: 5px;
}

.mobile-nav > a {
    padding: 12px 5px;

    color: #344356;

    font-size: 14px;
    font-weight: 600;

    text-decoration: none;

    border-bottom:
        1px solid
        rgba(6, 35, 71, 0.06);
}

.mobile-nav > a.active {
    color: var(--gold);
}

.mobile-actions {
    display: grid;

    grid-template-columns:
        1fr 1fr;

    gap: 10px;

    margin-top: 15px;
}

.mobile-actions a {
    height: 43px;

    display: flex;
    align-items: center;
    justify-content: center;

    border: 1px solid var(--navy);
    border-radius: 7px;

    color: var(--navy);

    font-size: 13px;
    font-weight: 700;

    text-decoration: none;
}

.mobile-actions
.mobile-register {
    background: var(--navy);

    color: var(--white);
}

/* =========================================================
   SHARED
========================================================= */

.section-tag {
    display: inline-block;

    padding: 7px 18px;

    border-radius: 100px;

    color: var(--navy);

    background: #F6E4BE;

    font-size: 10px;
    font-weight: 700;

    letter-spacing: 2.3px;
}

.primary-btn {
    min-height: 49px;

    display: inline-flex;
    align-items: center;
    justify-content: center;

    gap: 10px;

    padding: 0 28px;

    border-radius: 7px;

    color: var(--white);

    background: linear-gradient(
        90deg,
        var(--navy),
        var(--dark-navy)
    );

    font-size: 14px;
    font-weight: 700;

    text-decoration: none;

    transition:
        transform 0.2s ease,
        box-shadow 0.2s ease;
}

.primary-btn:hover {
    transform: translateY(-2px);

    box-shadow: 0 10px 25px rgba(6, 35, 71, 0.18);
}

.primary-btn .material-symbols-outlined {
    font-size: 18px;
}


/* =========================================================
   HERO
========================================================= */

.hero-section {
    position: relative;

    min-height: calc(100vh - 82px);

    display: flex;
    align-items: center;

    padding: 60px 40px;

    background: var(--cream);

    scroll-margin-top: 82px;
}

.hero-container {
    width: 100%;
    max-width: 1180px;

    margin: 0 auto;

    display: grid;

    grid-template-columns:
        minmax(0, 1.15fr)
        minmax(350px, 0.75fr);

    align-items: center;

    gap: clamp(70px, 10vw, 150px);
}


/* =========================================================
   HERO CONTENT
========================================================= */

.hero-content {
    max-width: 650px;
}

.hero-content h1 {
    margin-top: 18px;

    color: var(--navy);

    font-family: "Playfair Display", serif;

    font-size: clamp(52px, 5.2vw, 78px);
    font-weight: 700;

    line-height: 0.98;

    letter-spacing: -2px;
}

.hero-content h1 span {
    color: var(--dark-gold);
}

.hero-description {
    max-width: 590px;

    margin-top: 24px;

    color: var(--text);

    font-size: 16px;

    line-height: 1.65;
}

.hero-actions {
    display: flex;

    gap: 13px;

    margin-top: 28px;
}

.secondary-btn {
    min-height: 49px;

    display: inline-flex;
    align-items: center;
    justify-content: center;

    gap: 10px;

    padding: 0 25px;

    border: 1px solid var(--navy);
    border-radius: 7px;

    color: var(--navy);

    background: rgba(255, 255, 255, 0.45);

    font-size: 14px;
    font-weight: 700;

    text-decoration: none;

    transition:
        background 0.2s ease,
        transform 0.2s ease;
}

.secondary-btn:hover {
    background: var(--white);

    transform: translateY(-2px);
}

.secondary-btn .material-symbols-outlined {
    color: var(--gold);

    font-size: 22px;
}


/* =========================================================
   HERO FEATURE CARDS
========================================================= */

.hero-features {
    display: flex;
    flex-direction: column;

    gap: 15px;
}

.feature-card {
    min-height: 105px;

    display: flex;
    align-items: center;

    gap: 18px;

    padding: 18px 22px;

    border: 1px solid rgba(6, 35, 71, 0.05);

    border-radius: 13px;

    background: rgba(255, 255, 255, 0.94);

    box-shadow: 0 10px 30px rgba(6, 35, 71, 0.06);

    transition:
        transform 0.2s ease,
        box-shadow 0.2s ease;
}

.feature-card:hover {
    transform: translateX(-5px);

    box-shadow: 0 15px 35px rgba(6, 35, 71, 0.10);
}

.feature-icon {
    width: 66px;
    height: 66px;

    flex-shrink: 0;

    display: grid;
    place-items: center;

    border-radius: 50%;

    color: var(--white);

    background: var(--gold);

    box-shadow: 0 0 0 10px rgba(229, 161, 41, 0.13);
}

.feature-icon .material-symbols-outlined {
    font-size: 31px;
}

.feature-card h3 {
    margin-bottom: 5px;

    color: var(--navy);

    font-family: "Playfair Display", serif;

    font-size: 20px;
}

.feature-card p {
    color: var(--text);

    font-size: 13px;

    line-height: 1.45;
}


/* =========================================================
   SCROLL INDICATOR
========================================================= */

.scroll-indicator {
    position: absolute;

    left: 50%;
    bottom: 17px;

    display: grid;
    place-items: center;

    color: var(--gold);

    text-decoration: none;

    transform: translateX(-50%);

    animation: scrollBounce 1.7s infinite;
}

.scroll-indicator .material-symbols-outlined {
    font-size: 31px;
}

@keyframes scrollBounce {
    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(6px);
    }
}


/* =========================================================
   HOW IT WORKS
========================================================= */

.how-section {
    position: relative;

    min-height: calc(100vh - 82px);

    display: flex;
    align-items: center;

    padding: 70px 40px;

    background: var(--white);

    scroll-margin-top: 82px;
}

.section-container {
    width: 100%;
    max-width: 1250px;

    margin: 0 auto;
}

.section-heading {
    margin-bottom: 55px;

    text-align: center;
}

.section-heading h2 {
    margin-top: 16px;

    color: var(--navy);

    font-family: "Playfair Display", serif;

    font-size: clamp(40px, 4.3vw, 58px);

    line-height: 1.1;
}

.section-heading h2 span {
    color: var(--gold);
}

.section-heading p {
    margin-top: 12px;

    color: var(--text);

    font-size: 14px;
}


/* =========================================================
   HOW IT WORKS CARDS
========================================================= */

.steps-wrapper {
    display: grid;

    grid-template-columns:
        1fr
        55px
        1fr
        55px
        1fr;

    align-items: center;

    gap: 12px;
}

.step-card {
    min-height: 170px;

    display: flex;
    align-items: center;

    gap: 20px;

    padding: 26px 28px;

    border: 1px solid rgba(6, 35, 71, 0.07);

    border-radius: 14px;

    background: var(--white);

    box-shadow: 0 10px 30px rgba(6, 35, 71, 0.06);

    transition:
        transform 0.2s ease,
        box-shadow 0.2s ease;
}

.step-card:hover {
    transform: translateY(-5px);

    box-shadow: 0 17px 40px rgba(6, 35, 71, 0.10);
}

.step-icon {
    width: 90px;
    height: 90px;

    flex-shrink: 0;

    display: grid;
    place-items: center;

    border-radius: 50%;

    color: var(--navy);

    background: var(--cream);
}

.step-icon .material-symbols-outlined {
    font-size: 43px;
}

.step-number {
    color: var(--gold);

    font-family: "Playfair Display", serif;

    font-size: 30px;
    font-weight: 700;
}

.step-content h3 {
    margin-top: 5px;

    color: var(--navy);

    font-family: "Playfair Display", serif;

    font-size: 19px;
}

.step-content p {
    margin-top: 6px;

    color: var(--text);

    font-size: 12px;

    line-height: 1.45;
}

.step-arrow {
    display: flex;
    align-items: center;
    justify-content: center;

    color: var(--gold);
}

.step-arrow .material-symbols-outlined {
    font-size: 32px;
}


/* =========================================================
   ABOUT
========================================================= */

.about-section {
    min-height: calc(100vh - 82px);

    display: flex;
    align-items: center;

    padding: 70px 40px;

    background: var(--cream);

    scroll-margin-top: 82px;
}

.about-container {
    width: 100%;
    max-width: 1180px;

    margin: 0 auto;

    display: grid;

    grid-template-columns:
        minmax(0, 1fr)
        1px
        minmax(0, 0.85fr);

    align-items: center;

    gap: clamp(55px, 7vw, 100px);
}

.about-content h2,
.lenders-cta h2 {
    margin-top: 16px;

    color: var(--navy);

    font-family: "Playfair Display", serif;

    font-size: clamp(39px, 4vw, 56px);

    line-height: 1.08;
}

.about-content h2 span,
.lenders-cta h2 span {
    color: var(--gold);
}

.about-content p,
.lenders-cta p {
    max-width: 590px;

    margin-top: 22px;

    color: var(--text);

    font-size: 15px;

    line-height: 1.65;
}

.about-divider {
    width: 1px;
    height: 180px;

    background: rgba(200, 138, 34, 0.55);
}

.lenders-cta {
    display: flex;
    flex-direction: column;

    align-items: flex-start;
}

.lenders-cta h2 {
    font-size: clamp(38px, 3.7vw, 52px);
}

.lenders-cta p {
    max-width: 450px;
}

.browse-btn {
    margin-top: 25px;
}


/* =========================================================
   FOOTER
========================================================= */

.footer {
    min-height: 110px;

    display: flex;
    align-items: center;

    padding: 20px 40px;

    color: var(--white);

    background: linear-gradient(
        90deg,
        var(--navy),
        var(--dark-navy)
    );
}

.footer-container {
    width: 100%;
    max-width: 1300px;

    margin: 0 auto;

    display: flex;
    align-items: center;
    justify-content: space-between;

    gap: 30px;
}

.footer-brand {
    display: flex;
    align-items: center;

    gap: 10px;

    color: var(--white);

    text-decoration: none;
}

.footer-brand img {
    width: 52px;
    height: 52px;

    object-fit: contain;
}

.footer-brand div {
    display: flex;
    flex-direction: column;
}

.footer-brand strong {
    font-family: "Playfair Display", serif;

    font-size: 20px;
}

.footer-brand strong span {
    color: var(--gold);
}

.footer-brand small {
    margin-top: 4px;

    font-size: 6px;
    font-weight: 700;

    letter-spacing: 1px;
}

.footer p {
    color: rgba(255, 255, 255, 0.78);

    font-size: 11px;
}


/* =========================================================
   SMALL DESKTOP
========================================================= */

@media (max-width: 1150px) {

    .navbar {
        padding-left: 30px;
        padding-right: 30px;
    }

    .nav-links {
        gap: 22px;
    }

    .hero-container {
        gap: 60px;
    }

    .steps-wrapper {
        grid-template-columns:
            1fr
            35px
            1fr
            35px
            1fr;

        gap: 5px;
    }

    .step-card {
        padding: 22px 18px;
    }

    .step-icon {
        width: 70px;
        height: 70px;
    }

    .step-icon .material-symbols-outlined {
        font-size: 35px;
    }
}


/* =========================================================
   TABLET
========================================================= */

@media (max-width: 900px) {

    html {
        scroll-padding-top: 75px;
    }

    .navbar {
        min-height: 75px;

        padding: 0 25px;
    }

    .nav-links,
    .nav-actions {
        display: none;
    }

    .mobile-menu-btn {
        display: grid;
    }

    .nav-brand img {
        width: 48px;
        height: 48px;
    }

    .brand-text strong {
        font-size: 18px;
    }

    .hero-section,
    .how-section,
    .about-section {
        min-height: auto;

        padding: 80px 30px;

        scroll-margin-top: 75px;
    }

    .hero-container {
        grid-template-columns: 1fr;

        gap: 55px;
    }

    .hero-content {
        max-width: 700px;
    }

    .hero-features {
        display: grid;

        grid-template-columns: repeat(3, 1fr);

        gap: 12px;
    }

    .feature-card {
        min-height: 175px;

        flex-direction: column;
        align-items: flex-start;
    }

    .feature-icon {
        width: 55px;
        height: 55px;
    }

    .feature-icon .material-symbols-outlined {
        font-size: 27px;
    }

    .scroll-indicator {
        display: none;
    }

    .steps-wrapper {
        grid-template-columns: 1fr;

        gap: 15px;
    }

    .step-arrow {
        height: 30px;

        transform: rotate(90deg);
    }

    .step-card {
        min-height: 145px;
    }

    .about-container {
        grid-template-columns: 1fr;

        gap: 50px;
    }

    .about-divider {
        width: 100%;
        height: 1px;
    }
}


/* DEFAULT: HOME ACTIVE */
.nav-links a[href="#home"] {
    color: var(--navy);
    font-weight: 700;
}

.nav-links a[href="#home"]::after {
    width: 24px;
}


/* ABOUT US ACTIVE */
body:has(#about:target) .nav-links a[href="#home"]::after,
body:has(#how-it-works:target) .nav-links a[href="#home"]::after {
    width: 0;
}

body:has(#about:target) .nav-links a[href="#home"],
body:has(#how-it-works:target) .nav-links a[href="#home"] {
    color: #344356;
    font-weight: 500;
}

body:has(#about:target) .nav-links a[href="#about"],
body:has(#how-it-works:target) .nav-links a[href="#how-it-works"] {
    color: var(--navy);
    font-weight: 700;
}

body:has(#about:target) .nav-links a[href="#about"]::after,
body:has(#how-it-works:target) .nav-links a[href="#how-it-works"]::after {
    width: 24px;
}

/* =========================================================
   MOBILE
========================================================= */

@media (max-width: 600px) {

    .navbar {
        padding: 0 18px;
    }

    .nav-brand img {
        width: 45px;
        height: 45px;
    }

    .brand-text strong {
        font-size: 16px;
    }

    .brand-text small {
        display: none;
    }

    .hero-section,
    .how-section,
    .about-section {
        padding: 65px 20px;
    }

    .hero-content h1 {
        font-size: 48px;

        letter-spacing: -1px;
    }

    .hero-description {
        font-size: 14px;
    }

    .hero-actions {
        flex-direction: column;
    }

    .primary-btn,
    .secondary-btn {
        width: 100%;
    }

    .hero-features {
        grid-template-columns: 1fr;
    }

    .feature-card {
        min-height: 100px;

        flex-direction: row;
        align-items: center;
    }

    .section-heading {
        margin-bottom: 35px;
    }

    .section-heading h2 {
        font-size: 38px;
    }

    .step-card {
        min-height: auto;

        padding: 22px 20px;
    }

    .step-icon {
        width: 70px;
        height: 70px;
    }

    .about-content h2,
    .lenders-cta h2 {
        font-size: 39px;
    }

    .about-content p,
    .lenders-cta p {
        font-size: 14px;
    }

    .footer {
        padding: 25px 20px;
    }

    .footer-container {
        flex-direction: column;

        align-items: flex-start;
    }
}


/* =========================================================
   VERY SMALL MOBILE
========================================================= */

@media (max-width: 400px) {

    .nav-brand img {
        width: 43px;
        height: 43px;
    }

    .brand-text strong {
        font-size: 16px;
    }

    .hero-content h1 {
        font-size: 42px;
    }

    .section-heading h2 {
        font-size: 34px;
    }

    .about-content h2,
    .lenders-cta h2 {
        font-size: 35px;
    }
}