/* ========================================
   NMCL – Nationwide Mortgage Company Limited
   Modern Premium Stylesheet (Levix Inspired)
   ======================================== */

/* ── CSS Variables ── */
:root {
  --gold:        #987D52;
  --gold-light:  #b8995e;
  --teal:        #128381;
  --teal-light:  #1a9e9c;
  --teal-dark:   #0d6160;
  --dark:        #1A1A1A;
  --grey-bg:     #F5F5F5;
  --grey-mid:    #E0E0E0;
  --grey-text:   #666666;
  --white:       #FFFFFF;
  --font-main:   'Inter', 'Poppins', sans-serif;
  --radius:      12px;
  --radius-sm:   8px;
  --shadow:      0 10px 30px rgba(0,0,0,0.08);
  --transition:  all 0.3s cubic-bezier(.4,0,.2,1);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-main);
  color: var(--dark);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
button { cursor: pointer; border: none; outline: none; }

/* ── Utilities ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.text-center { text-align: center; }
.reveal { opacity: 0; transform: translateY(30px); transition: 0.8s ease-out; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ── Buttons ── */
.btn-gold {
  background: var(--gold);
  color: var(--white);
  padding: 14px 30px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  display: inline-block;
}
.btn-gold:hover { background: var(--gold-light); transform: translateY(-3px); box-shadow: 0 10px 20px rgba(152,125,82,0.3); }

.btn-teal-outline {
  border: 2px solid var(--teal);
  color: var(--teal);
  padding: 12px 28px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  display: inline-block;
}
.btn-teal-outline:hover { background: var(--teal); color: var(--white); transform: translateY(-3px); }
.btn-teal-outline.white { border-color: rgba(255,255,255,0.4); color: white; }
.btn-teal-outline.white:hover { border-color: var(--teal); background: var(--teal); }

.btn-dark {
  background: var(--dark);
  color: var(--white);
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  display: inline-block;
}
.btn-dark:hover { background: #333; transform: translateY(-3px); }

/* ── PAGE LOADER ── */
#page-loader {
  position: fixed;
  inset: 0;
  background: var(--dark);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  z-index: 9999;
  transition: opacity 0.8s ease, visibility 0.8s ease;
}
#page-loader.fade-out { opacity: 0; visibility: hidden; }

.loader-logo-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.loader-main-img {
  animation: logoReveal 1.5s ease-out forwards;
  display: block;
  margin: 0 auto 24px;
  width: 120px;
}
@keyframes logoReveal {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}

.loader-name-wrap { color: white; overflow: hidden; margin: 0 auto; }
.loader-company-line { font-size: 1.25rem; font-weight: 800; letter-spacing: 2px; text-transform: uppercase; }
.loader-underline { display: block; height: 3px; background: var(--gold); width: 0; margin: 10px auto; animation: underline 1s ease 1.2s forwards; }
@keyframes underline { to { width: 100%; } }

/* ── NAVIGATION ── */
#navbar {
  position: fixed;
  top: 0; width: 100%;
  padding: 20px 0;
  z-index: 1000;
  transition: var(--transition);
}
#navbar.scrolled {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  padding: 12px 0;
  box-shadow: 0 4px 20px rgba(0,0,0,0.05);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.nav-logo img { height: 45px; }
.nav-links { display: flex; gap: 30px; }
.nav-links a { font-weight: 600; color: var(--dark); font-size: 0.95rem; }
.nav-links a:hover, .nav-links a.active { color: var(--teal); }
.nav-actions { display: flex; gap: 15px; }

/* ── HERO ── */
.hero {
  height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  background: #0d1a1a;
  color: white;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: url('../assets/hero-bg.jpg') center/cover no-repeat;
  opacity: 0.3;
}
.hero-content { position: relative; z-index: 2; text-align: center; }
.hero h1 { font-size: clamp(2.5rem, 6vw, 4.5rem); font-weight: 800; line-height: 1.1; margin-bottom: 25px; }
.hero h1 .accent { color: var(--gold); }
.hero p { font-size: 1.25rem; opacity: 0.9; max-width: 650px; margin: 0 auto 40px; }
.hero-actions { display: flex; gap: 20px; justify-content: center; }

.scroll-arrow { position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%); animation: bounce 2s infinite; cursor: pointer; opacity: 0.6; }
@keyframes bounce { 0%, 20%, 50%, 80%, 100% {transform: translateY(0) translateX(-50%);} 40% {transform: translateY(-10px) translateX(-50%);} 60% {transform: translateY(-5px) translateX(-50%);} }

/* ── TRUST BAR ── */
.trust-bar { background: var(--teal); color: white; padding: 25px 0; }
.trust-bar-inner { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 20px; align-items: center; }
.trust-item { display: flex; align-items: center; gap: 10px; font-weight: 500; font-size: 0.9rem; }
.trust-divider { width: 1px; height: 25px; background: rgba(255,255,255,0.2); }

/* ── SECTION TITLES ── */
.section-label { color: var(--teal); font-weight: 800; letter-spacing: 2px; margin-bottom: 15px; font-size: 0.85rem; }
.section-title { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800; line-height: 1.2; margin-bottom: 50px; }
.section-sub { font-size: 1.1rem; color: var(--grey-text); max-width: 700px; margin: 0 auto 40px; }

/* ── HOW IT WORKS ── */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.step-card {
  text-align: center;
  padding: 50px 30px;
  background: white;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.step-card:hover { transform: translateY(-10px); }
.step-icon { font-size: 2.5rem; margin-bottom: 25px; }
.step-card h3 { margin-bottom: 15px; font-size: 1.25rem; font-weight: 700; color: var(--teal); }
.step-card p { color: var(--grey-text); }

/* ── PRODUCTS ── */
.products-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.product-card {
  background: white;
  padding: 40px;
  border-radius: var(--radius);
  transition: var(--transition);
  border: 1px solid var(--grey-mid);
}
.product-card:hover { box-shadow: var(--shadow); border-color: transparent; transform: translateY(-5px); }
.product-icon { font-size: 2rem; margin-bottom: 20px; }
.product-card h3 { margin-bottom: 15px; font-size: 1.3rem; }
.product-card p { color: var(--grey-text); margin-bottom: 20px; }
.learn-more { color: var(--teal); font-weight: 700; display: flex; align-items: center; gap: 8px; }
.learn-more:after { content: '→'; transition: 0.3s; }
.learn-more:hover:after { transform: translateX(5px); }

/* ── CALCULATOR ── */
.calculator-section {
  position: relative;
  overflow: hidden;
}
.calc-form {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  backdrop-filter: blur(10px);
  padding: 50px;
  border-radius: 20px;
  max-width: 900px;
  margin: 0 auto;
}
.calc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; margin-bottom: 40px; }
.calc-field label { display: block; margin-bottom: 10px; font-weight: 600; font-size: 0.9rem; }
.calc-field input, .calc-field select {
  width: 100%;
  padding: 15px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.1);
  color: white;
  font-size: 1rem;
}
.calc-field select option { color: black; }

.calc-results-main {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 40px;
}
.result-box { text-align: center; }
.result-box span { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 1px; opacity: 0.7; }
.result-value { font-size: 1.5rem; font-weight: 800; margin-top: 10px; color: var(--gold); }

/* ── WHY CHOOSE NMCL ── */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.feature-block { text-align: center; }
.feature-icon { font-size: 3rem; margin-bottom: 25px; opacity: 0.9; }
.feature-block h3 { margin-bottom: 15px; }

/* ── AUDIENCE ── */
.audience-grid-revised { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.audience-card-full {
  background: white;
  padding: 50px 35px;
  border-radius: var(--radius);
  text-align: center;
  transition: var(--transition);
}
.audience-card-full:hover { transform: translateY(-10px); box-shadow: var(--shadow); }
.aud-icon { font-size: 3rem; margin-bottom: 25px; }
.audience-card-full h3 { margin-bottom: 15px; }
.audience-card-full p { color: var(--grey-text); margin-bottom: 30px; }
.btn-gold-sm { background: var(--gold); color: white; padding: 10px 20px; border-radius: 5px; font-weight: 700; font-size: 0.85rem; }

/* ── PARTNERS ── */
.partners-strip {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 40px;
  margin-top: 40px;
  opacity: 0.5;
  filter: grayscale(1);
}
.partner-logo { font-weight: 800; font-size: 1.2rem; }

/* ── TEAM ── */
.team-grid-small { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.team-member-card {
  background: #222;
  padding: 30px 20px;
  border-radius: var(--radius);
  text-align: center;
  border: 1px solid #333;
}
.team-member-card h4 { margin-bottom: 5px; color: var(--gold); }

/* ── TESTIMONIALS ── */
.testimonial-carousel-home { max-width: 800px; margin: 0 auto; position: relative; height: 180px; }
.testimonial-item {
  position: absolute;
  top: 0; left: 0; width: 100%;
  opacity: 0; visibility: hidden;
  transition: 0.5s;
  text-align: center;
}
.testimonial-item.active { opacity: 1; visibility: visible; }
.testimonial-item p { font-size: 1.4rem; font-style: italic; margin-bottom: 20px; }
.testimonial-item span { font-weight: 700; color: var(--gold); }
.carousel-dots-home { display: flex; justify-content: center; gap: 10px; margin-top: 30px; }
.carousel-dots-home .dot { width: 8px; height: 8px; background: rgba(255,255,255,0.3); border-radius: 50%; cursor: pointer; }
.carousel-dots-home .dot.active { background: white; }

/* ── FOOTER ── */
.footer { background: var(--dark); color: white; padding: 80px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.5fr; gap: 50px; }
.footer-logo { height: 50px; margin-bottom: 20px; }
.footer-logo { filter: brightness(0) invert(1); }
.footer h4 { margin-bottom: 25px; border-bottom: 2px solid var(--gold); display: inline-block; padding-bottom: 5px; }
.footer-links ul li { margin-bottom: 10px; }
.footer-links ul li a:hover { color: var(--gold); }
.footer-contact p { margin-bottom: 10px; opacity: 0.8; }
.footer-disclaimer p { font-size: 0.85rem; opacity: 0.6; line-height: 1.8; }

/* ── Responsive ── */
@media (max-width: 992px) {
  .steps-grid, .products-grid, .features-grid, .audience-grid-revised, .team-grid-small, .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-actions { display: none; }
  .hamburger { display: block; }
  .hero h1 { font-size: 2.8rem; }
  .steps-grid, .products-grid, .features-grid, .audience-grid-revised, .team-grid-small, .footer-grid { grid-template-columns: 1fr; }
  .calc-results-main { grid-template-columns: 1fr; }
}