/* ==========================================================================
   BANKSOV.COM — TEXAS CREDIT ACCESS BUSINESS (CAB) DESIGN SYSTEM
   Modern, Accessible (WCAG 2.1 AA), High-Trust Fintech Design Palette
   ========================================================================== */

:root {
  /* Color Tokens */
  --color-primary: #0B3D62;         /* Deep Navy - Trust & Security */
  --color-primary-dark: #072841;    /* Dark Navy for hover/active */
  --color-primary-light: #1E5C8C;   /* Ocean Slate Blue */
  
  --color-accent: #2E8B57;          /* Emerald Green - Positive Action / CTA */
  --color-accent-hover: #246B43;    /* Dark Emerald */
  --color-accent-light: #E8F5E9;    /* Light Emerald Tint */
  
  --color-gold: #D97706;            /* OCCC / Compliance Warm Gold */
  --color-gold-bg: #FEF3C7;         /* Gold Light Background */

  --color-bg-main: #F7F8FA;         /* Soft Off-White Neutral Background */
  --color-bg-card: #FFFFFF;         /* Crisp White Card Background */
  --color-bg-subtle: #EDF2F7;       /* Light Neutral Gray */
  
  --color-text-main: #1E293B;       /* Dark Slate Text (High Contrast) */
  --color-text-muted: #475569;      /* Muted Slate Text */
  --color-text-light: #64748B;      /* Secondary Light Text */
  --color-text-inverse: #FFFFFF;    /* Pure White Text */

  --color-border: #E2E8F0;          /* Subtle Border */
  --color-border-focus: #0B3D62;    /* High Contrast Focus Border */
  
  --color-error: #DC2626;           /* Crimson Error */
  --color-error-bg: #FEE2E2;        /* Light Red Tint */
  --color-warning: #B45309;         /* Amber Warning */
  --color-warning-bg: #FFFBEB;      /* Amber Tint */

  /* Typography */
  --font-family: system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  /* Shadows & Radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);

  /* Transitions */
  --transition-fast: 150ms ease-in-out;
  --transition-normal: 250ms ease-in-out;
}

/* Base Reset & Accessibility Rules */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-family);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--color-text-main);
  background-color: var(--color-bg-main);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* High Contrast Focus Styles (WCAG 2.1 AA) */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid #005A9C;
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

.skip-to-content {
  position: absolute;
  top: -100px;
  left: 1rem;
  background: var(--color-primary);
  color: var(--color-text-inverse);
  padding: 0.75rem 1.25rem;
  z-index: 9999;
  border-radius: var(--radius-sm);
  font-weight: 600;
  text-decoration: none;
  transition: top var(--transition-fast);
}

.skip-to-content:focus {
  top: 1rem;
}

/* Typography Defaults */
h1, h2, h3, h4, h5, h6 {
  color: var(--color-primary);
  line-height: 1.25;
  font-weight: 700;
  margin-bottom: 0.75rem;
}

h1 { font-size: 2.25rem; }
h2 { font-size: 1.75rem; }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.15rem; }

p {
  margin-bottom: 1rem;
  color: var(--color-text-muted);
}

a {
  color: var(--color-primary-light);
  text-decoration: underline;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--color-primary-dark);
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

.container-narrow {
  max-width: 850px;
}

.section {
  padding: 3.5rem 0;
}

.section-alt {
  background-color: var(--color-bg-card);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.text-center { text-align: center; }
.text-muted { color: var(--color-text-muted); }
.text-bold { font-weight: 600; }

/* Navigation Bar */
.top-notice-bar {
  background-color: var(--color-primary-dark);
  color: #D1D5DB;
  font-size: 0.8125rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-notice-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.badge-occc-mini {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: #FCD34D;
  font-weight: 600;
}

.site-header {
  background-color: var(--color-bg-card);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 4.5rem;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: var(--color-primary);
}

.brand-icon {
  width: 2.25rem;
  height: 2.25rem;
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
  color: var(--color-text-inverse);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.25rem;
}

.brand-text {
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.brand-tag {
  font-size: 0.7rem;
  text-transform: uppercase;
  background: var(--color-gold-bg);
  color: var(--color-gold);
  padding: 0.15rem 0.4rem;
  border-radius: 4px;
  font-weight: 700;
  margin-left: 0.3rem;
}

.main-nav ul {
  display: flex;
  list-style: none;
  gap: 1.5rem;
  align-items: center;
}

.nav-link {
  text-decoration: none;
  color: var(--color-text-main);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.5rem 0.25rem;
  transition: color var(--transition-fast);
}

.nav-link:hover, .nav-link.active {
  color: var(--color-primary-light);
}

.mobile-menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--color-border);
  padding: 0.5rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
}

/* Button Components */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.75rem;
  font-size: 1rem;
  font-weight: 700;
  border-radius: var(--radius-md);
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition-fast);
  text-align: center;
}

.btn-primary {
  background-color: var(--color-accent);
  color: var(--color-text-inverse);
  box-shadow: 0 4px 12px rgba(46, 139, 87, 0.3);
}

.btn-primary:hover {
  background-color: var(--color-accent-hover);
  color: var(--color-text-inverse);
  transform: translateY(-1px);
}

.btn-secondary {
  background-color: var(--color-primary);
  color: var(--color-text-inverse);
}

.btn-secondary:hover {
  background-color: var(--color-primary-dark);
  color: var(--color-text-inverse);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.btn-outline:hover {
  background-color: var(--color-primary);
  color: var(--color-text-inverse);
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
}

.btn-block {
  width: 100%;
}

/* Hero Section */
.hero {
  background: linear-gradient(180deg, #0A2540 0%, #0B3D62 100%);
  color: var(--color-text-inverse);
  padding: 4rem 0 5rem 0;
  position: relative;
  overflow: hidden;
}

.hero p {
  color: #E2E8F0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  color: #93C5FD;
  margin-bottom: 1.25rem;
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.hero-title {
  color: #FFFFFF;
  font-size: 2.75rem;
  line-height: 1.15;
  margin-bottom: 1.25rem;
}

.hero-subtitle {
  font-size: 1.15rem;
  line-height: 1.6;
  margin-bottom: 1.75rem;
}

/* Trust Badges Strip */
.trust-strip {
  background-color: var(--color-bg-card);
  border-bottom: 1px solid var(--color-border);
  padding: 1.25rem 0;
}

.trust-flex {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.5rem;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-text-main);
}

.trust-item svg {
  width: 1.5rem;
  height: 1.5rem;
  color: var(--color-primary-light);
}

/* Multi-Step Widget Card */
.prequal-card {
  background-color: var(--color-bg-card);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-xl);
  color: var(--color-text-main);
  border: 1px solid var(--color-border);
}

.prequal-header {
  margin-bottom: 1.5rem;
}

.prequal-title {
  font-size: 1.35rem;
  color: var(--color-primary);
  margin-bottom: 0.35rem;
}

.progress-bar-container {
  height: 6px;
  background-color: var(--color-bg-subtle);
  border-radius: var(--radius-full);
  margin-top: 0.75rem;
  overflow: hidden;
}

.progress-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--color-primary-light), var(--color-accent));
  width: 33.33%;
  transition: width var(--transition-normal);
}

/* Form Styles */
.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 0.4rem;
  color: var(--color-text-main);
}

.form-input, .form-select {
  width: 100%;
  padding: 0.8rem 1rem;
  font-size: 1rem;
  font-family: inherit;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background-color: #FFFFFF;
  color: var(--color-text-main);
  transition: border-color var(--transition-fast);
}

.form-input:focus, .form-select:focus {
  border-color: var(--color-primary-light);
}

.form-hint {
  font-size: 0.8rem;
  color: var(--color-text-light);
  margin-top: 0.3rem;
}

.form-error {
  font-size: 0.85rem;
  color: var(--color-error);
  margin-top: 0.3rem;
  display: none;
}

.form-error.active {
  display: block;
}

/* Interactive Calculator Box */
.calculator-card {
  background-color: var(--color-bg-card);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
}

.calc-slider-group {
  margin-bottom: 2rem;
}

.calc-header-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.5rem;
}

.calc-amount-display {
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-primary);
}

.range-slider {
  width: 100%;
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--color-bg-subtle);
  outline: none;
  cursor: pointer;
  accent-color: var(--color-primary-light);
}

.tila-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  background-color: #F8FAFC;
  border: 2px solid var(--color-primary);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin: 1.5rem 0;
}

.tila-box {
  text-align: center;
  padding: 0.5rem;
}

.tila-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
  margin-bottom: 0.3rem;
}

.tila-value {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-primary);
}

.tila-note {
  font-size: 0.8rem;
  color: var(--color-text-light);
  line-height: 1.4;
  margin-top: 0.5rem;
}

/* Callout Box / CAB Disclosure */
.cab-disclosure-box {
  background-color: var(--color-warning-bg);
  border-left: 5px solid var(--color-warning);
  padding: 1.5rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 2rem 0;
}

.cab-disclosure-box h4 {
  color: var(--color-warning);
  margin-bottom: 0.4rem;
}

.cab-disclosure-box p {
  color: #78350F;
  font-size: 0.925rem;
  margin-bottom: 0;
}

/* Feature Grid Cards */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

.feature-card {
  background-color: var(--color-bg-card);
  padding: 2rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.feature-icon {
  width: 3rem;
  height: 3rem;
  background-color: var(--color-accent-light);
  color: var(--color-accent);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
}

/* FAQ Accordion Component */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-top: 1.5rem;
}

.faq-item {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-button {
  width: 100%;
  text-align: left;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-primary);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
}

.faq-button:hover {
  background-color: var(--color-bg-subtle);
}

.faq-icon {
  font-size: 1.25rem;
  transition: transform var(--transition-fast);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-content {
  padding: 0 1.5rem 1.25rem 1.5rem;
  display: none;
}

.faq-item.active .faq-content {
  display: block;
}

/* Data Tables (Rates & Fees) */
.table-responsive {
  width: 100%;
  overflow-x: auto;
  margin: 1.5rem 0;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  background-color: var(--color-bg-card);
}

.data-table th {
  background-color: var(--color-primary);
  color: var(--color-text-inverse);
  padding: 1rem;
  font-weight: 700;
  font-size: 0.9rem;
}

.data-table td {
  padding: 1rem;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.95rem;
}

.data-table tbody tr:nth-child(even) {
  background-color: #F8FAFC;
}

/* Footer Section */
.site-footer {
  background-color: #071927;
  color: #94A3B8;
  padding: 4rem 0 2rem 0;
  margin-top: auto;
  font-size: 0.875rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}

.footer-col h5 {
  color: #FFFFFF;
  font-size: 1rem;
  margin-bottom: 1rem;
}

.footer-links {
  list-style: none;
}

.footer-links li {
  margin-bottom: 0.5rem;
}

.footer-links a {
  color: #CBD5E1;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-links a:hover {
  color: #FFFFFF;
}

.legal-notice-box {
  background-color: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.25rem;
  border-radius: var(--radius-md);
  margin-bottom: 2rem;
  font-size: 0.8rem;
  line-height: 1.5;
  color: #CBD5E1;
}

.legal-notice-box strong {
  color: #FFFFFF;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

/* Mobile Sticky CTA Bar */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background-color: var(--color-bg-card);
  padding: 0.75rem 1rem;
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -4px 10px rgba(0, 0, 0, 0.1);
  z-index: 999;
}

/* Responsive Media Queries */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }
  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .tila-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.5rem; }
  
  .main-nav {
    display: none;
    width: 100%;
    position: absolute;
    top: 4.5rem;
    left: 0;
    background-color: var(--color-bg-card);
    border-bottom: 1px solid var(--color-border);
    padding: 1rem 1.25rem;
    box-shadow: var(--shadow-md);
  }

  .main-nav.active {
    display: block;
  }

  .main-nav ul {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }

  .mobile-menu-toggle {
    display: block;
  }

  .grid-3, .grid-2 {
    grid-template-columns: 1fr;
  }

  .tila-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .mobile-sticky-bar {
    display: block;
  }

  body {
    padding-bottom: 4.5rem;
  }
}