/* West Bridge Financial — site styles */
:root {
  --navy: #062640;
  --navy-deep: #041b2e;
  --navy-ink: #03131f;
  --accent: #2f6fa8;
  --accent-dark: #1f5584;
  --accent-soft: #e9f0f7;
  --bg: #ffffff;
  --bg-alt: #f3f6f9;
  --ink: #0d1b29;
  --muted: #566576;
  --line: #dbe3eb;
  --error: #c0392b;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(6, 38, 64, 0.08);
  --display: "Montserrat", "Segoe UI", -apple-system, Arial, sans-serif;
  --sans: "Inter", "Segoe UI", -apple-system, Arial, sans-serif;
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--accent-dark); }
h1, h2, h3 { font-family: var(--display); color: var(--navy); line-height: 1.15; margin: 0 0 .5em; font-weight: 700; letter-spacing: -0.015em; }
h1 { font-weight: 800; letter-spacing: -0.025em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.25rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 84px 0; }
.section.alt { background: var(--bg-alt); }
.section.tight { padding: 56px 0; }
.eyebrow {
  display: inline-block;
  font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--accent-dark); margin-bottom: 12px;
}
.lead { font-size: 1.125rem; color: var(--muted); max-width: 680px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.section-head { margin-bottom: 44px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 28px; border-radius: 8px; border: 2px solid transparent;
  font: 600 1rem/1 var(--display); letter-spacing: .01em; text-decoration: none; cursor: pointer;
  transition: background .15s, color .15s, border-color .15s, transform .15s;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); }
.btn-outline { border-color: currentColor; color: var(--navy); background: transparent; }
.btn-ghost-light { border-color: rgba(255,255,255,.55); color: #fff; background: transparent; }
.btn-ghost-light:hover { background: rgba(255,255,255,.1); }
.btn-block { width: 100%; }

/* Top bar + header */
.topbar { background: var(--navy-ink); color: #c8d5e2; font-size: .85rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 16px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; }
.topbar .tb-left span + span::before { content: "·"; margin: 0 10px; color: #6d8299; }
.topbar .tb-right { display: flex; gap: 22px; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.97); backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark { height: 38px; width: auto; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-text b { font-family: var(--display); font-weight: 600; font-size: 1.08rem; color: var(--navy); letter-spacing: .2em; }
.brand-text small { font-family: var(--display); font-weight: 500; font-size: .6rem; color: var(--navy); letter-spacing: .5em; margin-top: 6px; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  color: var(--ink); text-decoration: none; font-weight: 500; font-size: .95rem;
  padding: 8px 12px; border-radius: 6px;
}
.nav a:hover, .nav a.active { color: var(--accent-dark); }
.nav .btn { margin-left: 10px; padding: 11px 20px; color: #fff; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--navy); }

@media (max-width: 960px) {
  .nav-toggle { display: block; }
  .nav {
    position: absolute; top: 76px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    padding: 8px 20px 20px; display: none;
    box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a { padding: 13px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav .btn { margin: 14px 0 0; border-bottom: 0; border-radius: 8px; }
  .topbar .hide-sm { display: none; }
}

/* Hero */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1200px 500px at 85% -10%, #12406a 0%, transparent 60%), var(--navy);
  color: #d6e1ec;
}
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 180px;
  background: url("assets/bridge-lines.svg") no-repeat center bottom / 1600px auto;
  opacity: .1; pointer-events: none;
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; padding-top: 88px; padding-bottom: 140px; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: normal; color: #9cc3e6; }
.hero .lead { color: #c2d1e0; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin: 28px 0 30px; }
.hero-points { display: flex; flex-wrap: wrap; gap: 10px 26px; padding: 0; margin: 0; list-style: none; font-size: .95rem; }
.hero-points li { display: flex; align-items: center; gap: 8px; }
.check { width: 18px; height: 18px; flex: none; color: var(--accent); }

.qualify {
  background: #fff; color: var(--ink); border-radius: 14px; padding: 30px;
  box-shadow: 0 24px 60px rgba(0,0,0,.28);
}
.qualify h3 { font-size: 1.35rem; margin-bottom: 4px; }
.qualify p.small { color: var(--muted); font-size: .9rem; margin-bottom: 18px; }
.qualify .field { margin-bottom: 14px; }

@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; padding-top: 56px; padding-bottom: 80px; gap: 40px; }
}

/* Page hero (inner pages) */
.page-hero { background: var(--navy); color: #c8d5e2; padding: 64px 0 60px; position: relative; overflow: hidden; }
.page-hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 120px;
  background: url("assets/bridge-lines.svg") no-repeat center bottom / 1400px auto; opacity: .12;
}
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero .lead { color: #c2d1e0; margin: 0; }
.crumbs { font-size: .85rem; margin-bottom: 14px; color: #8ea8c2; }
.crumbs a { color: #c4dcf2; text-decoration: none; }

/* Stats strip */
.stats { background: var(--navy-ink); color: #fff; }
.stats .container { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 30px 20px; text-align: center; border-right: 1px solid rgba(255,255,255,.08); }
.stat:last-child { border-right: 0; }
.stat b { display: block; font-family: var(--display); font-weight: 700; font-size: 1.9rem; color: #9cc3e6; }
.stat span { font-size: .9rem; color: #b3c4d6; }
@media (max-width: 760px) {
  .stats .container { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.08); }
}

/* Trust card overlapping the hero */
.trust-wrap { position: relative; z-index: 2; margin-top: -58px; }
.trust-card {
  background: #fff; border-radius: 14px; box-shadow: 0 18px 50px rgba(6,38,64,.14);
  display: grid; grid-template-columns: repeat(4, 1fr); padding: 26px 10px;
}
.trust-item { display: flex; align-items: center; gap: 14px; padding: 4px 22px; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item .icon { margin: 0; width: 46px; height: 46px; flex: none; }
.trust-item .icon svg { width: 22px; height: 22px; }
.trust-item b { display: block; color: var(--navy); font-size: 1.02rem; }
.trust-item span { font-size: .86rem; color: var(--muted); }
@media (max-width: 960px) {
  .trust-card { grid-template-columns: 1fr 1fr; gap: 18px 0; }
  .trust-item:nth-child(2) { border-right: 0; }
}
@media (max-width: 560px) {
  .trust-wrap { margin-top: -40px; }
  .trust-card { grid-template-columns: 1fr; padding: 18px 4px; }
  .trust-item { border-right: 0; }
}

/* Key figure on product cards */
.card .figure { font-family: var(--display); font-weight: 700; font-size: 1.35rem; color: var(--accent-dark); margin: -4px 0 10px; line-height: 1.25; }
.card .figure small { display: block; font-family: var(--sans); font-size: .8rem; color: var(--muted); }

/* Requirement tiles */
.req-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; max-width: 960px; margin: 0 auto; }
@media (max-width: 760px) { .req-grid { grid-template-columns: 1fr 1fr; } }
.req-grid .req { background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--accent); border-radius: var(--radius); padding: 26px 16px; text-align: center; }
.req-grid .req b { display: block; font-family: var(--display); font-weight: 800; font-size: 1.8rem; color: var(--navy); line-height: 1.2; }
.req-grid .req span { color: var(--muted); font-size: .92rem; }
@media (max-width: 560px) { .req-grid .req { padding: 20px 10px; } .req-grid .req b { font-size: 1.35rem; } }

/* Cards / grids */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
@media (max-width: 960px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; transition: box-shadow .2s, transform .2s, border-color .2s;
}
.card p { color: var(--muted); margin-bottom: 0; }
a.card { text-decoration: none; color: inherit; display: block; }
a.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: #c3d3e3; }
.icon {
  width: 52px; height: 52px; border-radius: 12px; display: grid; place-items: center;
  background: var(--accent-soft); color: var(--accent-dark); margin-bottom: 18px;
}
.icon svg { width: 26px; height: 26px; }
.card .more { display: inline-block; margin-top: 16px; font-weight: 600; color: var(--accent-dark); }

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step-num {
  width: 48px; height: 48px; border-radius: 50%; background: var(--navy); color: #fff;
  display: grid; place-items: center; font-family: var(--display); font-size: 1.3rem; margin-bottom: 18px;
}
.step p { color: var(--muted); }

/* Split feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 36px; } }
.feature-list { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 18px; }
.feature-list li { display: grid; grid-template-columns: 28px 1fr; gap: 12px; }
.feature-list b { display: block; color: var(--navy); }
.feature-list span { color: var(--muted); font-size: .95rem; }

.panel {
  background: var(--navy); color: #cfdbe7; border-radius: 16px; padding: 40px;
  position: relative; overflow: hidden;
}
.panel h3 { color: #fff; font-size: 1.5rem; }
.panel .row { display: flex; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.panel .row:last-of-type { border-bottom: 0; }
.panel .row b { color: #9cc3e6; }

/* Industries */
.chip-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
@media (max-width: 900px) { .chip-grid { grid-template-columns: repeat(2, 1fr); } }
.chip {
  display: flex; align-items: center; gap: 12px; background: #fff; border: 1px solid var(--line);
  border-radius: 10px; padding: 16px 18px; font-weight: 600; color: var(--navy);
}
.chip svg { width: 22px; height: 22px; color: var(--accent); flex: none; }

/* Product detail */
.product { display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; padding: 56px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 90px; }
.product:last-child { border-bottom: 0; }
@media (max-width: 900px) { .product { grid-template-columns: 1fr; gap: 24px; } }
.product ul { padding-left: 20px; color: var(--muted); }
.product ul li { margin-bottom: 6px; }
.terms { background: var(--bg-alt); border-radius: var(--radius); padding: 26px; align-self: start; }
.terms h4 { margin: 0 0 12px; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--accent-dark); }
.terms dl { margin: 0 0 20px; display: grid; grid-template-columns: auto 1fr; gap: 10px 16px; font-size: .95rem; }
.terms dt { color: var(--muted); }
.terms dd { margin: 0; font-weight: 600; color: var(--navy); text-align: right; }

/* FAQ */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; padding: 22px 40px 22px 0; position: relative;
  font-weight: 600; font-size: 1.05rem; color: var(--navy);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 400; color: var(--accent);
}
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); padding-bottom: 20px; margin: 0; }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--accent-dark), var(--accent)); color: #fff; padding: 64px 0; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: 6px; }
.cta-band p { margin: 0; color: #e3edf7; }
.cta-band .btn-navy { background: var(--navy-ink); }

/* Forms */
.field label, .form-label { display: block; font-size: .85rem; font-weight: 600; color: var(--muted); margin-bottom: 6px; }
.req { color: var(--error); margin-left: 2px; }
input[type=text], input[type=email], input[type=tel], input[type=date], input[type=number], select, textarea {
  width: 100%; padding: 12px 13px; border: 1px solid var(--line); border-radius: 7px;
  font: 400 1rem var(--sans); color: var(--ink); background: #fff;
}
textarea { min-height: 130px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--accent); outline-offset: -1px; border-color: var(--accent); }
input.invalid, select.invalid, textarea.invalid { border-color: var(--error); background: #fdf3f2; }
.hp { position: absolute; left: -9999px; }

.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 30px; margin-bottom: 20px; }
.form-card h2 { font-size: 1.25rem; border-bottom: 2px solid var(--navy); padding-bottom: 10px; margin-bottom: 20px; }
.fgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.fgrid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .fgrid { grid-template-columns: 1fr; } .form-card { padding: 22px 18px; } }

.consent-box {
  font-size: .82rem; color: var(--muted); background: var(--bg-alt); border: 1px solid var(--line);
  border-radius: 7px; padding: 14px 16px; max-height: 220px; overflow-y: auto; margin-bottom: 14px;
}
.agree-row { display: flex; align-items: flex-start; gap: 10px; }
.agree-row input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--accent); }
.agree-row label { font-weight: 400; color: var(--ink); font-size: .95rem; margin: 0; }
#sigpad { border: 1px solid var(--line); border-radius: 7px; background: #fff; width: 100%; height: 120px; display: block; }
.hint { font-size: .8rem; color: var(--muted); margin-top: 6px; }
.form-error { color: var(--error); font-size: .95rem; margin-top: 14px; display: none; }
.form-success {
  display: none; background: #e8f5ec; border: 1px solid #bfe3c9; color: #1e6b34;
  border-radius: 10px; padding: 22px; margin-top: 18px; text-align: center;
}
.form-success h3 { color: #1e6b34; }
.secure-note { display: flex; gap: 10px; align-items: center; justify-content: center; font-size: .85rem; color: var(--muted); margin-top: 18px; }
.secure-note svg { width: 16px; height: 16px; color: var(--accent-dark); }

.apply-layout { display: grid; grid-template-columns: 1fr 320px; gap: 32px; align-items: start; }
.apply-aside { position: sticky; top: 100px; }
@media (max-width: 960px) { .apply-layout { grid-template-columns: 1fr; } .apply-aside { position: static; order: -1; } }

/* Contact */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-item { display: flex; gap: 16px; margin-bottom: 26px; }
.contact-item .icon { margin: 0; flex: none; }
.contact-item b { display: block; color: var(--navy); }
.contact-item a, .contact-item span { color: var(--muted); text-decoration: none; }
/* Step-by-step application */
.wizard { padding-top: 22px; }
@media (max-width: 900px) { .contact-grid .wizard { order: -1; } }
.wz-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; min-height: 28px; }
.wz-back { background: none; border: 0; padding: 4px 0; font: 600 .9rem var(--sans); color: var(--accent-dark); cursor: pointer; }
.wz-back:hover { color: var(--navy); }
.wz-count { font-size: .82rem; color: var(--muted); font-weight: 600; }
.wz-progress { height: 6px; background: var(--bg-alt); border-radius: 99px; overflow: hidden; margin-bottom: 26px; }
.wz-progress span { display: block; height: 100%; width: 0; background: var(--accent); border-radius: 99px; transition: width .3s ease; }
.wz-step { display: none; }
.wz-step.active { display: block; animation: wzIn .25s ease; }
@keyframes wzIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.form-card.wizard h2 { border: 0; padding: 0; font-size: 1.45rem; margin-bottom: 18px; }
.wz-sub { color: var(--muted); font-size: .92rem; margin: -10px 0 16px; }
.wz-options { display: grid; gap: 10px; }
.wz-options button {
  width: 100%; text-align: left; padding: 16px 18px; background: #fff; border: 1.5px solid var(--line); border-radius: var(--radius);
  font: 600 1rem var(--sans); color: var(--navy); cursor: pointer; transition: border-color .15s, background .15s;
  display: flex; justify-content: space-between; align-items: center;
}
.wz-options button::after { content: "\2192"; color: var(--line); transition: color .15s; }
.wz-options button:hover { border-color: var(--accent); background: var(--accent-soft); }
.wz-options button:hover::after { color: var(--accent); }
.wz-options button.selected { border-color: var(--accent); background: var(--accent-soft); }
.wz-options button.selected::after { content: "\2713"; color: var(--accent); }
.wizard .field { margin-bottom: 16px; }
.wizard .field input { padding: 14px 14px; }

.next-steps { margin-top: 12px; padding: 26px 26px 8px; background: var(--bg-alt); border-radius: var(--radius); }
.next-steps h3 { font-size: 1.1rem; margin-bottom: 18px; }
.next-steps ol { list-style: none; counter-reset: step; margin: 0; padding: 0; }
.next-steps li { counter-increment: step; position: relative; padding-left: 46px; margin-bottom: 20px; }
.next-steps li::before {
  content: counter(step); position: absolute; left: 0; top: 0; width: 30px; height: 30px; border-radius: 50%;
  background: var(--accent); color: #fff; font: 700 .9rem/30px var(--display); text-align: center;
}
.next-steps li b { display: block; color: var(--navy); }
.next-steps li span { color: var(--muted); font-size: .92rem; }

/* Legal */
.legal { max-width: 820px; }
.legal h2 { font-size: 1.35rem; margin-top: 2em; }
.legal p, .legal li { color: #33414f; }

/* Footer */
.site-footer { background: var(--navy-ink); color: #a7b8ca; font-size: .92rem; }
.site-footer .container { padding-top: 64px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: #cddbe8; text-decoration: none; }
.site-footer a:hover { color: #9cc3e6; }
.footer-brand img { height: 46px; width: auto; margin-bottom: 14px; }
.footer-brand b { font-family: var(--display); font-weight: 600; color: #fff; font-size: 1.08rem; letter-spacing: .2em; display: block; }
.footer-brand small { font-family: var(--display); font-weight: 500; color: #9cc3e6; letter-spacing: .5em; font-size: .64rem; }
.footer-brand p { margin-top: 16px; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.08); padding: 24px 0 36px; font-size: .78rem; color: #7d91a6; }
.disclaimer p { margin-bottom: .7em; }

[data-phone-only] { display: none !important; }
body.has-phone [data-phone-only] { display: revert !important; }