/* =========================================================
   Access Credit Bank — shared stylesheet
   Static marketing site — no build tooling, no API calls.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@500;600;700;800&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  /* Brand: navy + gold */
  --navy-950:#070f22;
  --navy-900:#0b1730;
  --navy-800:#0f1f3d;
  --navy-700:#152a52;
  --navy-600:#1c3568;
  --navy-500:#26437f;

  --gold-700:#9c7a22;
  --gold-600:#b8902c;
  --gold-500:#c9a227;
  --gold-400:#dab949;
  --gold-300:#e8cd82;
  --gold-100:#f8eeca;

  --ink:#101826;
  --ink-soft:#4a5468;
  --line:#e6e8f0;
  --paper:#ffffff;
  --paper-soft:#f6f7fb;

  --success:#1f9d63;
  --danger:#d94b4b;

  --font-serif:'Playfair Display', Georgia, serif;
  --font-sans:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --shadow-sm:0 2px 10px rgba(15,31,61,.06);
  --shadow-md:0 12px 30px rgba(15,31,61,.10);
  --shadow-lg:0 24px 60px rgba(15,31,61,.16);
  --shadow-gold:0 10px 24px rgba(201,162,39,.28);

  --radius-sm:10px;
  --radius-md:16px;
  --radius-lg:26px;
  --container:1200px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-sans);
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  line-height:1.6;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;margin:0;padding:0;}
h1,h2,h3,h4{
  font-family:var(--font-serif);
  color:var(--navy-900);
  margin:0 0 .5em;
  line-height:1.18;
  letter-spacing:.2px;
}
p{margin:0 0 1em;color:var(--ink-soft);}
.container{
  width:100%;
  max-width:var(--container);
  margin:0 auto;
  padding:0 24px;
}
section{padding:88px 0;}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-size:12.5px;
  font-weight:700;
  letter-spacing:2px;
  text-transform:uppercase;
  color:var(--gold-600);
  margin-bottom:16px;
}
.eyebrow::before{
  content:"";
  width:26px;height:2px;
  background:var(--gold-500);
  display:inline-block;
}
.eyebrow.on-dark{color:var(--gold-300);}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:15px 30px;
  border-radius:999px;
  font-weight:700;
  font-size:14.5px;
  letter-spacing:.2px;
  border:1.5px solid transparent;
  cursor:pointer;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-2px);}
.btn-gold{
  background:linear-gradient(135deg,var(--gold-400),var(--gold-600));
  color:var(--navy-950);
  box-shadow:var(--shadow-gold);
}
.btn-gold:hover{box-shadow:0 16px 32px rgba(201,162,39,.36);}
.btn-navy{
  background:var(--navy-900);
  color:#fff;
}
.btn-navy:hover{background:var(--navy-800);}
.btn-outline{
  background:transparent;
  border-color:rgba(255,255,255,.5);
  color:#fff;
}
.btn-outline:hover{background:rgba(255,255,255,.12);}
.btn-outline-navy{
  background:transparent;
  border-color:var(--navy-700);
  color:var(--navy-800);
}
.btn-outline-navy:hover{background:var(--navy-900);color:#fff;}
.btn-block{width:100%;}
.btn-lg{padding:17px 34px;font-size:15.5px;}

/* ---------- Header / Nav ---------- */
.site-header{
  position:sticky;
  top:0;
  z-index:200;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
}
.brand{display:flex;align-items:center;}
.brand img{height:42px;width:auto;}
.nav-links{
  display:flex;
  align-items:center;
  gap:36px;
}
.nav-links a{
  font-size:14.5px;
  font-weight:600;
  color:var(--navy-800);
  position:relative;
  padding:6px 0;
}
.nav-links a::after{
  content:"";
  position:absolute;
  left:0;bottom:0;
  width:0;height:2px;
  background:var(--gold-500);
  transition:width .2s ease;
}
.nav-links a:hover::after,
.nav-links a.active::after{width:100%;}
.nav-links a.active{color:var(--navy-900);}
.nav-actions{display:flex;align-items:center;gap:14px;}
.nav-actions .btn{padding:12px 24px;font-size:13.5px;}
.link-login{
  font-weight:700;
  font-size:14px;
  color:var(--navy-800);
  padding:10px 6px;
}
.nav-toggle{
  display:none;
  flex-direction:column;
  gap:5px;
  background:none;
  border:0;
  cursor:pointer;
  padding:8px;
}
.nav-toggle span{
  width:24px;height:2px;background:var(--navy-900);border-radius:2px;
}

/* ---------- Hero ---------- */
.hero{
  position:relative;
  background:
    radial-gradient(1200px 500px at 85% -10%, rgba(201,162,39,.18), transparent 60%),
    linear-gradient(155deg,var(--navy-950),var(--navy-800) 60%,var(--navy-700));
  color:#fff;
  overflow:hidden;
  padding:120px 0 100px;
}
.hero::after{
  content:"";
  position:absolute;
  inset:auto -10% -30% auto;
  width:520px;height:520px;
  background:radial-gradient(circle,rgba(201,162,39,.16),transparent 70%);
  pointer-events:none;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:56px;
  align-items:center;
}
.hero h1{
  color:#fff;
  font-size:clamp(34px,4.4vw,54px);
  margin-bottom:20px;
}
.hero h1 span{color:var(--gold-400);}
.hero p.lead{
  color:rgba(255,255,255,.78);
  font-size:17.5px;
  max-width:520px;
  margin-bottom:32px;
}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;}
.hero-card{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius-lg);
  padding:34px;
  backdrop-filter:blur(6px);
}
.hero-photo{
  position:relative;
  border-radius:var(--radius-md);
  overflow:hidden;
  margin-bottom:24px;
  box-shadow:var(--shadow-lg);
}
.hero-photo img{
  width:100%;
  height:230px;
  object-fit:cover;
  display:block;
}
.hero-photo::after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg, rgba(7,15,34,0) 45%, rgba(7,15,34,.7) 100%);
}
.hero-photo-caption{
  position:absolute;
  left:16px;bottom:12px;
  color:#fff;
  font-size:12.5px;
  font-weight:600;
  letter-spacing:.2px;
  display:flex;align-items:center;gap:7px;
}
.hero-photo-caption svg{color:var(--gold-300);flex:none;}
.hero-card-logo{max-width:180px;margin:0 auto 22px;}
.hero-stats{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
  margin-top:8px;
}
.hero-stats .stat h3{
  color:var(--gold-300);
  font-size:26px;
  margin:0;
}
.hero-stats .stat p{
  color:rgba(255,255,255,.68);
  font-size:12.5px;
  margin:4px 0 0;
  text-transform:uppercase;
  letter-spacing:.8px;
}
.hero.page-hero{padding:96px 0 84px;text-align:center;}
.hero.page-hero p.lead{margin-left:auto;margin-right:auto;text-align:center;}
.breadcrumb{
  color:rgba(255,255,255,.6);
  font-size:13px;
  margin-bottom:14px;
  letter-spacing:.4px;
}
.breadcrumb span{color:var(--gold-300);}

/* ---------- Trust strip ---------- */
.trust-strip{
  background:var(--paper-soft);
  border-bottom:1px solid var(--line);
  padding:22px 0;
}
.trust-strip .container{
  display:flex;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
}
.trust-item{
  display:flex;
  align-items:center;
  gap:10px;
  font-size:13.5px;
  font-weight:600;
  color:var(--navy-800);
}
.trust-item svg{flex:none;color:var(--gold-600);}

/* ---------- Feature / service cards ---------- */
.section-head{
  max-width:640px;
  margin:0 auto 56px;
  text-align:center;
}
.section-head.left{text-align:left;margin:0 0 48px;}
.grid{display:grid;gap:28px;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}

.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius-md);
  padding:34px 28px;
  box-shadow:var(--shadow-sm);
  transition:box-shadow .2s ease, transform .2s ease, border-color .2s ease;
}
.card:hover{
  box-shadow:var(--shadow-md);
  transform:translateY(-4px);
  border-color:var(--gold-300);
}
.card .icon{
  width:54px;height:54px;
  border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,var(--navy-800),var(--navy-950));
  color:var(--gold-400);
  margin-bottom:20px;
}
.card h3{font-size:19px;margin-bottom:10px;}
.card p{font-size:14.5px;margin-bottom:0;}
.card .learn{
  display:inline-flex;align-items:center;gap:6px;
  margin-top:16px;font-weight:700;font-size:13.5px;color:var(--navy-800);
}
.card .learn svg{transition:transform .2s ease;}
.card:hover .learn svg{transform:translateX(4px);}

/* ---------- Split section ---------- */
.split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:center;
}
.split img,.split .media{
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md);
}
.media-navy{
  background:linear-gradient(155deg,var(--navy-900),var(--navy-700));
  padding:56px 40px;
  color:#fff;
  min-height:340px;
  display:flex;flex-direction:column;justify-content:center;
  background-size:cover;
  background-position:center;
  background-blend-mode:normal;
}
.media-photo-why-access{
  background-image:
    linear-gradient(155deg, rgba(11,23,48,.90), rgba(21,42,82,.86)),
    url('../img/media-why-access.jpg');
}
.media-photo-since-1998{
  background-image:
    linear-gradient(155deg, rgba(7,15,34,.82), rgba(11,23,48,.78)),
    url('../img/media-since-1998.png');
}
.media-photo-advisor-team{
  background-image:
    linear-gradient(155deg, rgba(11,23,48,.90), rgba(21,42,82,.86)),
    url('../img/media-advisor-team.jpg');
}
.check-list{margin-top:18px;}
.check-list li{
  display:flex;gap:12px;align-items:flex-start;
  padding:9px 0;
  font-size:14.5px;
  color:var(--ink-soft);
}
.check-list li svg{flex:none;margin-top:2px;color:var(--gold-600);}
.on-dark .check-list li{color:rgba(255,255,255,.82);}
.on-dark .check-list li svg{color:var(--gold-400);}

/* ---------- Stats band ---------- */
.stats-band{
  background:linear-gradient(120deg,var(--navy-950),var(--navy-800));
  color:#fff;
  padding:64px 0;
}
.stats-band .grid-4{gap:24px;text-align:center;}
.stats-band h3{color:var(--gold-300);font-size:38px;margin-bottom:6px;}
.stats-band p{color:rgba(255,255,255,.68);font-size:13px;text-transform:uppercase;letter-spacing:1px;margin:0;}

/* ---------- Testimonial ---------- */
.testimonial{
  background:var(--paper-soft);
}
.testimonial-card{
  max-width:760px;margin:0 auto;text-align:center;
  background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:56px 48px;
  box-shadow:var(--shadow-sm);
}
.testimonial-card p.quote{
  font-family:var(--font-serif);
  font-size:23px;
  color:var(--navy-900);
  line-height:1.5;
  margin-bottom:24px;
}
.testimonial-card .who{font-weight:700;color:var(--navy-800);font-size:14.5px;}
.testimonial-card .role{font-size:13px;color:var(--ink-soft);}

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(120deg,var(--gold-600),var(--gold-400));
  color:var(--navy-950);
  padding:64px 0;
}
.cta-band .container{
  display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;
}
.cta-band h2{color:var(--navy-950);margin:0;}
.cta-band p{color:rgba(11,23,48,.75);margin:6px 0 0;}

/* ---------- Values / about ---------- */
.values-grid .card{text-align:left;}

/* ---------- Contact ---------- */
.contact-wrap{
  display:grid;
  grid-template-columns:.95fr 1.05fr;
  gap:48px;
  align-items:flex-start;
}
.contact-info-card{
  background-image:
    linear-gradient(155deg, rgba(11,23,48,.92), rgba(21,42,82,.88)),
    url('../img/contact-support.jpg');
  background-size:cover;
  background-position:center;
  color:#fff;
  border-radius:var(--radius-lg);
  padding:44px 36px;
}
.contact-info-card h3{color:#fff;font-size:21px;}
.contact-info-card p{color:rgba(255,255,255,.7);}
.contact-row{
  display:flex;gap:14px;align-items:flex-start;
  padding:16px 0;
  border-top:1px solid rgba(255,255,255,.14);
}
.contact-row:first-of-type{border-top:none;padding-top:22px;}
.contact-row .ic{
  width:40px;height:40px;border-radius:10px;
  background:rgba(201,162,39,.16);
  color:var(--gold-300);
  display:flex;align-items:center;justify-content:center;flex:none;
}
.contact-row strong{display:block;color:#fff;font-size:14px;margin-bottom:2px;}
.contact-row span{color:rgba(255,255,255,.68);font-size:13.5px;}
.map-frame{
  margin-top:28px;
  border-radius:var(--radius-md);
  overflow:hidden;
  border:1px solid rgba(255,255,255,.16);
  aspect-ratio:16/10;
  background:
    linear-gradient(rgba(11,23,48,.55),rgba(11,23,48,.55)),
    repeating-linear-gradient(45deg,rgba(255,255,255,.06) 0 2px,transparent 2px 22px);
  display:flex;align-items:center;justify-content:center;
  text-align:center;
  color:rgba(255,255,255,.7);
  font-size:13px;
  padding:20px;
}

.form-card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:40px;
  box-shadow:var(--shadow-sm);
}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field{margin-bottom:20px;}
.field label{
  display:block;
  font-size:13px;
  font-weight:700;
  color:var(--navy-800);
  margin-bottom:8px;
  letter-spacing:.2px;
}
.field input,.field select,.field textarea{
  width:100%;
  padding:14px 16px;
  border-radius:12px;
  border:1.5px solid var(--line);
  background:var(--paper-soft);
  font-family:var(--font-sans);
  font-size:14.5px;
  color:var(--ink);
  transition:border-color .18s ease, box-shadow .18s ease, background .18s ease;
}
.field textarea{resize:vertical;min-height:120px;}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;
  border-color:var(--gold-500);
  background:#fff;
  box-shadow:0 0 0 4px rgba(201,162,39,.14);
}
.form-note{
  display:flex;align-items:center;gap:8px;
  font-size:13px;color:var(--ink-soft);margin-top:14px;
}
.form-success{
  display:none;
  align-items:center;gap:10px;
  background:rgba(31,157,99,.1);
  border:1px solid rgba(31,157,99,.3);
  color:var(--success);
  padding:14px 18px;
  border-radius:12px;
  font-size:14px;font-weight:600;
  margin-bottom:20px;
}
.form-success.show{display:flex;}

/* ---------- Auth pages (login / signup) ---------- */
.auth-shell{
  min-height:100vh;
  background:var(--paper);
  display:flex;
}
.auth-side{
  flex:0 0 42%;
  background:
    radial-gradient(700px 400px at 20% 0%, rgba(201,162,39,.16), transparent 60%),
    linear-gradient(165deg,var(--navy-950),var(--navy-800) 65%,var(--navy-700));
  color:#fff;
  padding:60px 52px;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  position:relative;
}
.auth-side .brand-mark img{height:44px;}
.auth-side h2{color:#fff;font-size:30px;max-width:340px;margin-top:44px;}
.auth-side p{color:rgba(255,255,255,.72);max-width:340px;}
.auth-side .foot{font-size:12.5px;color:rgba(255,255,255,.5);}
.auth-side .check-list li{color:rgba(255,255,255,.82);}
.auth-side .check-list li svg{color:var(--gold-400);}

.auth-main{
  flex:1;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:48px 24px;
  background:#fff;
}
.auth-box{width:100%;max-width:420px;}
.auth-box .brand-mobile{display:none;margin-bottom:28px;}
.auth-box .brand-mobile img{height:38px;margin:0 auto;}
.auth-box h1{font-size:28px;margin-bottom:8px;}
.auth-box p.sub{margin-bottom:32px;}
.field-inline-top{
  display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;
}
.field-inline-top a{font-size:12.5px;font-weight:700;color:var(--gold-600);}
.password-field{position:relative;}
.password-field .toggle-eye{
  position:absolute;right:14px;top:50%;transform:translateY(-50%);
  background:none;border:0;cursor:pointer;color:var(--ink-soft);padding:4px;
}
.remember-row{
  display:flex;align-items:center;gap:9px;
  font-size:13.5px;color:var(--ink-soft);
  margin:6px 0 26px;
}
.remember-row input{width:16px;height:16px;accent-color:var(--gold-600);}
.divider{
  display:flex;align-items:center;gap:14px;
  color:var(--ink-soft);font-size:12.5px;
  margin:28px 0;
}
.divider::before,.divider::after{content:"";flex:1;height:1px;background:var(--line);}
.auth-switch{
  text-align:center;
  font-size:14px;color:var(--ink-soft);
  margin-top:26px;
}
.auth-switch a{font-weight:700;color:var(--navy-800);}
.trust-mini{
  display:flex;align-items:center;gap:8px;
  font-size:12px;color:var(--ink-soft);
  margin-top:30px;justify-content:center;
}
.trust-mini svg{color:var(--gold-600);}

/* ---------- Footer ---------- */
.site-footer{
  background:linear-gradient(160deg,var(--navy-950),var(--navy-900));
  color:rgba(255,255,255,.72);
  padding:72px 0 26px;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1.2fr;
  gap:40px;
  padding-bottom:48px;
  border-bottom:1px solid rgba(255,255,255,.1);
}
.footer-grid img{height:38px;margin-bottom:16px;}
.footer-grid p{color:rgba(255,255,255,.6);font-size:13.5px;max-width:280px;}
.footer-grid h4{
  color:#fff;font-size:14px;
  text-transform:uppercase;letter-spacing:1px;
  margin-bottom:18px;
  font-family:var(--font-sans);
}
.footer-grid li{margin-bottom:11px;}
.footer-grid a{font-size:13.5px;color:rgba(255,255,255,.66);}
.footer-grid a:hover{color:var(--gold-300);}
.footer-social{display:flex;gap:10px;margin-top:18px;}
.footer-social a{
  width:36px;height:36px;border-radius:50%;
  border:1px solid rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;
}
.footer-social a:hover{background:var(--gold-500);border-color:var(--gold-500);color:var(--navy-950);}
.footer-bottom{
  display:flex;justify-content:space-between;align-items:center;
  padding-top:22px;font-size:12.5px;color:rgba(255,255,255,.5);
  flex-wrap:wrap;gap:10px;
}
.footer-bottom a{color:rgba(255,255,255,.6);margin-left:18px;}

/* ---------- Responsive ---------- */
@media (max-width: 980px){
  .hero-grid,.split,.contact-wrap{grid-template-columns:1fr;}
  .hero-grid .hero-card{order:-1;}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .auth-side{display:none;}
  .auth-box .brand-mobile{display:block;text-align:center;}
}
@media (max-width: 760px){
  .nav-links,.nav-actions .btn-outline-navy{display:none;}
  .nav-toggle{display:flex;}
  .nav-actions{gap:10px;}
  section{padding:64px 0;}
  .grid-3,.grid-4,.grid-2,.form-row{grid-template-columns:1fr;}
  .cta-band .container{flex-direction:column;text-align:center;}
  .hero-stats{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;align-items:flex-start;}
  .footer-bottom a{margin-left:0;margin-right:16px;}
}

/* Mobile nav panel */
.nav-links.open{
  display:flex;
  position:absolute;
  top:100%;left:0;right:0;
  background:#fff;
  flex-direction:column;
  gap:0;
  padding:8px 24px 18px;
  border-bottom:1px solid var(--line);
  box-shadow:var(--shadow-md);
}
.nav-links.open a{padding:12px 0;border-bottom:1px solid var(--line);}