/* ============================================
HARD MONEY LOANS GUY — Brand Stylesheet
Colors: #111111 (black), #F7FF00 (yellow), #FFFFFF (white)
Fonts: Anton (headlines), Inter (body)
Ratio: 80% black, 15% white, 5% yellow
============================================ */

@import url('https://fonts.googleapis.com/css2?family=Anton&family=Inter:wght@400;500;600;700&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

:root {
  --black: #111111;
  --dark-gray: #2A2A2A;
  --light-gray: #B5B5B5;
  --white: #FFFFFF;
  --yellow: #F7FF00;
  --green: #31FF76;
  --font-headline: 'Anton', sans-serif;
  --font-body: 'Inter', sans-serif;
  --max-width: 1100px;
  --section-pad: 80px 24px;
}

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

body {
  background-color: var(--black);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-headline);
  text-transform: uppercase;
  line-height: 1.05;
  letter-spacing: 0.01em;
}

h1 { font-size: clamp(2.8rem, 6vw, 5rem); color: var(--white); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); color: var(--white); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.8rem); color: var(--white); }
h4 { font-size: 1.1rem; color: var(--yellow); }

p { font-size: 1rem; color: var(--light-gray); line-height: 1.7; }
p + p { margin-top: 1rem; }
strong { color: var(--white); font-weight: 700; }
.accent { color: var(--yellow); }

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
section { padding: var(--section-pad); }
.section-divider { border: none; border-top: 1px solid var(--dark-gray); margin: 0; }

header, nav {
  background-color: var(--black);
  border-bottom: 1px solid var(--dark-gray);
  position: sticky;
  top: 0;
  z-index: 100;
}

nav .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.nav-logo { font-family: var(--font-headline); font-size: 1.2rem; color: var(--white); text-transform: uppercase; letter-spacing: 0.05em; }
.nav-logo img { height: 40px; width: auto; }

.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { font-family: var(--font-body); font-size: 0.875rem; font-weight: 500; color: var(--light-gray); text-transform: uppercase; letter-spacing: 0.08em; transition: color 0.15s; }
.nav-links a:hover { color: var(--white); }

.nav-cta { background-color: var(--yellow) !important; color: var(--black) !important; padding: 10px 20px; font-weight: 700 !important; font-size: 0.875rem !important; }
.nav-cta:hover { background-color: var(--white) !important; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); margin: 5px 0; transition: all 0.3s; }

.btn { display: inline-block; font-family: var(--font-headline); font-size: 1rem; text-transform: uppercase; letter-spacing: 0.05em; padding: 14px 28px; border: none; cursor: pointer; transition: all 0.15s; }
.btn-primary { background-color: var(--yellow); color: var(--black); }
.btn-primary:hover { background-color: var(--white); color: var(--black); }
.btn-secondary { background-color: transparent; color: var(--white); border: 2px solid var(--white); }
.btn-secondary:hover { background-color: var(--white); color: var(--black); }

.hero { background-color: var(--black); padding: 100px 24px 80px; border-bottom: 1px solid var(--dark-gray); }
.hero h1 { margin-bottom: 24px; max-width: 800px; }
.hero h1 .accent { color: var(--yellow); }
.hero-subhead { font-size: clamp(1rem, 1.5vw, 1.25rem); color: var(--light-gray); max-width: 600px; margin-bottom: 12px; line-height: 1.6; }
.hero-support { font-size: 0.875rem; color: var(--light-gray); margin-bottom: 40px; opacity: 0.7; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }

.section-heading { margin-bottom: 48px; }
.section-heading h2 { margin-bottom: 12px; }
.section-heading p { font-size: 1.1rem; max-width: 600px; }

.products-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 2px; background-color: var(--dark-gray); border: 1px solid var(--dark-gray); }
.product-card { background-color: var(--black); padding: 32px; transition: background-color 0.15s; }
.product-card:hover { background-color: var(--dark-gray); }
.product-card h3 { font-size: 1.4rem; margin-bottom: 8px; color: var(--white); }
.product-stats { font-size: 0.8rem; color: var(--yellow); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 16px; border-bottom: 1px solid var(--dark-gray); padding-bottom: 12px; }
.product-card p { font-size: 0.9rem; margin-bottom: 16px; }
.product-card a { font-size: 0.8rem; color: var(--yellow); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.product-card a:hover { color: var(--white); }

.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 2px; background-color: var(--dark-gray); }
.why-item { background-color: var(--black); padding: 40px 32px; }
.why-item h3 { font-size: 1.3rem; margin-bottom: 16px; color: var(--yellow); }
.why-item p { font-size: 0.95rem; }

.deal-block { background-color: var(--dark-gray); padding: 40px; max-width: 720px; }
.deal-block .deal-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--light-gray); margin-bottom: 4px; }
.deal-block .deal-value { font-family: var(--font-headline); font-size: 1.5rem; color: var(--white); margin-bottom: 16px; }
.deal-numbers { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin: 24px 0; padding: 24px 0; border-top: 1px solid var(--black); border-bottom: 1px solid var(--black); }
.deal-number .label { font-size: 0.75rem; color: var(--light-gray); text-transform: uppercase; letter-spacing: 0.08em; }
.deal-number .value { font-family: var(--font-headline); font-size: 1.6rem; color: var(--white); }
.deal-number .value.green { color: var(--green); }
.deal-oneliner { font-size: 0.9rem; color: var(--light-gray); font-style: italic; margin-top: 16px; }

.markets-section { background-color: var(--dark-gray); }
.states-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.state-tag { background-color: var(--black); color: var(--white); font-size: 0.8rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; padding: 6px 12px; }
.states-label { font-size: 0.75rem; color: var(--yellow); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 8px; margin-top: 24px; font-weight: 700; }

.cta-block { background-color: var(--dark-gray); padding: 64px 40px; text-align: center; }
.cta-block h2 { margin-bottom: 16px; }
.cta-block p { max-width: 560px; margin: 0 auto 32px; font-size: 1.05rem; }

.form-section { background-color: var(--black); }
.form-wrapper { max-width: 640px; }
.form-heading { font-family: var(--font-headline); font-size: 1.8rem; text-transform: uppercase; margin-bottom: 32px; color: var(--white); }
.form-group { margin-bottom: 20px; }

label { display: block; font-size: 0.8rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--light-gray); margin-bottom: 6px; }

input[type="text"], input[type="email"], input[type="tel"],
input[type="number"], select, textarea {
  width: 100%;
  background-color: var(--dark-gray);
  border: 1px solid #3a3a3a;
  color: var(--white);
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 12px 16px;
  outline: none;
  transition: border-color 0.15s;
  -webkit-appearance: none;
  appearance: none;
}

input:focus, select:focus, textarea:focus { border-color: var(--yellow); }
input::placeholder, textarea::placeholder { color: #555; }
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='%23B5B5B5' stroke-width='1.5' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; cursor: pointer; }
select option { background-color: var(--dark-gray); }
textarea { min-height: 120px; resize: vertical; }
.form-submit { margin-top: 8px; }
.form-submit .btn { width: 100%; font-size: 1.1rem; padding: 16px; }
.form-note { font-size: 0.8rem; color: var(--light-gray); margin-top: 12px; text-align: center; }

.faq-section-title { font-family: var(--font-headline); font-size: 1rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--yellow); padding: 16px 0; border-bottom: 1px solid var(--dark-gray); margin-bottom: 8px; margin-top: 40px; }
.faq-item { border-bottom: 1px solid var(--dark-gray); }
.faq-question { width: 100%; background: none; border: none; text-align: left; padding: 20px 0; font-family: var(--font-body); font-size: 1rem; font-weight: 600; color: var(--white); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.faq-question:hover { color: var(--yellow); }
.faq-icon { flex-shrink: 0; width: 20px; height: 20px; border: 1px solid var(--light-gray); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; color: var(--light-gray); transition: all 0.15s; }
.faq-answer { display: none; padding: 0 0 20px; color: var(--light-gray); font-size: 0.95rem; line-height: 1.7; max-width: 720px; }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-icon { border-color: var(--yellow); color: var(--yellow); }

.steps-list { counter-reset: steps; }
.step-item { display: grid; grid-template-columns: 80px 1fr; gap: 24px; padding: 40px 0; border-bottom: 1px solid var(--dark-gray); }
.step-number { font-family: var(--font-headline); font-size: 3rem; color: var(--dark-gray); line-height: 1; }
.step-timeline { font-size: 0.75rem; color: var(--yellow); text-transform: uppercase; letter-spacing: 0.1em; font-weight: 600; margin-bottom: 8px; }
.step-item h3 { margin-bottom: 12px; }
.step-list { margin-top: 16px; padding-left: 0; }
.step-list li { font-size: 0.9rem; color: var(--light-gray); padding: 4px 0 4px 16px; position: relative; }
.step-list li::before { content: '—'; position: absolute; left: 0; color: var(--yellow); }

.about-body { max-width: 680px; }
.about-body p { font-size: 1.05rem; color: var(--light-gray); margin-bottom: 1.5rem; line-height: 1.8; }
.credentials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 2px; background-color: var(--dark-gray); margin-top: 48px; }
.credential-item { background-color: var(--black); padding: 24px; }
.credential-item .cred-label { font-size: 0.7rem; color: var(--yellow); text-transform: uppercase; letter-spacing: 0.1em; font-weight: 700; margin-bottom: 4px; }
.credential-item .cred-value { font-size: 0.95rem; color: var(--white); font-weight: 500; }

footer { background-color: var(--dark-gray); border-top: 1px solid #333; padding: 48px 24px 32px; }
footer .container { max-width: var(--max-width); }
.footer-top { display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 32px; margin-bottom: 40px; }
.footer-logo { font-family: var(--font-headline); font-size: 1.1rem; color: var(--white); text-transform: uppercase; }
.footer-logo img { height: 36px; width: auto; }
.footer-nav { display: flex; flex-wrap: wrap; gap: 16px 32px; }
.footer-nav a { font-size: 0.8rem; color: var(--light-gray); text-transform: uppercase; letter-spacing: 0.06em; font-weight: 500; transition: color 0.15s; }
.footer-nav a:hover { color: var(--white); }
.footer-bottom { border-top: 1px solid #333; padding-top: 24px; display: flex; flex-direction: column; gap: 8px; }
.footer-legal { font-size: 0.75rem; color: #555; line-height: 1.6; max-width: 760px; }
.footer-legal a { color: #777; }
.footer-legal a:hover { color: var(--light-gray); }
.footer-copyright { font-size: 0.75rem; color: #444; }

.text-yellow { color: var(--yellow); }
.text-white { color: var(--white); }
.text-gray { color: var(--light-gray); }
.bg-dark { background-color: var(--dark-gray); }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-40 { margin-bottom: 40px; }

@media (max-width: 768px) {
  :root { --section-pad: 56px 20px; }
  h1 { font-size: 2.6rem; }
  h2 { font-size: 1.8rem; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background-color: var(--black); padding: 24px; border-bottom: 1px solid var(--dark-gray); gap: 20px; }
  .nav-toggle { display: block; }
  .products-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .deal-numbers { grid-template-columns: 1fr; }
  .step-item { grid-template-columns: 1fr; }
  .step-number { font-size: 2rem; }
  .hero { padding: 64px 20px 56px; }
  .hero-ctas { flex-direction: column; align-items: flex-start; }
  .btn { width: 100%; text-align: center; }
  .cta-block { padding: 48px 24px; }
  .deal-block { padding: 28px 20px; }
  .footer-top { flex-direction: column; }
  .footer-nav { gap: 12px 20px; }
}