/* ============================================================
   APEX LENDING PARTNERS — style.css
   Dark Premium Design
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --black:      #0A0A0A;
  --black-2:    #0f0f0f;
  --black-3:    #141414;
  --gold:       #C9A84C;
  --gold-dark:  #a8882e;
  --gold-light: #f0d080;
  --gold-glow:  rgba(201,168,76,0.15);
  --white:      #FFFFFF;
  --text:       #111111;
  --muted:      #555555;
  --border:     #D8D8D8;
  --radius:     14px;
  --max:        1100px;
  --card-max:   600px;
  --ease:       0.22s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  background: var(--black);
  color: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a { color: var(--gold); text-decoration: underline; }
a:hover { color: var(--gold-light); }
ul { list-style: none; padding: 0; }

.container {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

.hidden { display: none !important; }

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInScale {
  from { opacity: 0; transform: scale(0.97) translateY(10px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes pulseGlow {
  0%, 100% { opacity: 0.6; }
  50%       { opacity: 1; }
}

.animate-1 { animation: fadeInUp 0.7s ease both; animation-delay: 0.05s; }
.animate-2 { animation: fadeInUp 0.7s ease both; animation-delay: 0.15s; }
.animate-3 { animation: fadeInUp 0.7s ease both; animation-delay: 0.25s; }
.animate-4 { animation: fadeInUp 0.7s ease both; animation-delay: 0.35s; }
.animate-5 { animation: fadeInUp 0.7s ease both; animation-delay: 0.45s; }
.animate-6 { animation: fadeInUp 0.7s ease both; animation-delay: 0.55s; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  border: none;
  cursor: pointer;
  border-radius: 50px;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease);
  text-align: center;
  letter-spacing: 0.04em;
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, #e0c06a 50%, var(--gold) 100%);
  background-size: 200% auto;
  color: #1a1200;
  font-weight: 800;
  transition: background-position 0.4s ease, transform var(--ease), box-shadow var(--ease);
}
.btn-gold:hover {
  background-position: right center;
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(201,168,76,0.45);
}
.btn-gold:active { transform: translateY(0); box-shadow: none; }

.btn-hero {
  font-size: 1.05rem;
  padding: 18px 52px;
  margin-top: 28px;
  letter-spacing: 0.06em;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: var(--black);
  text-align: center;
  padding: 64px 0 100px;
  position: relative;
  overflow: hidden;
}

/* Ambient glows */
.hero-glow {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.hero-glow--top {
  top: -200px; left: 50%;
  transform: translateX(-50%);
  width: 900px; height: 700px;
  background: radial-gradient(ellipse, rgba(201,168,76,0.10) 0%, transparent 65%);
  animation: pulseGlow 6s ease-in-out infinite;
}
.hero-glow--right {
  bottom: -100px; right: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(27,67,50,0.18) 0%, transparent 65%);
}

.hero .container { position: relative; z-index: 1; }
.hero-content { display: flex; flex-direction: column; align-items: center; }

/* Logo */
.logo { display: flex; justify-content: center; margin-bottom: 20px; }
.logo-img {
  width: min(320px, 80vw);
  height: auto;
  display: block;
  filter: drop-shadow(0 0 4px rgba(180, 140, 40, 0.45)) contrast(1.08) saturate(1.12);
}

/* Badges row */
.hero-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-bottom: 24px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(201,168,76,0.10);
  border: 1px solid rgba(201,168,76,0.30);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: var(--gold-light);
  text-transform: uppercase;
  white-space: nowrap;
}
.badge-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  flex-shrink: 0;
  background: var(--gold);
  animation: pulseGlow 1.8s ease-in-out infinite;
}

/* Headline */
.hero-h1 {
  font-size: clamp(2.6rem, 6vw, 4.2rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.05;
  letter-spacing: -0.02em;
}
.hero-h2 {
  font-size: clamp(2.2rem, 5.5vw, 3.6rem);
  font-weight: 900;
  line-height: 1.05;
  margin-top: 4px;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmer 4s linear infinite;
}
.hero-sub {
  margin-top: 20px;
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: rgba(255,255,255,0.68);
  font-weight: 500;
  line-height: 1.6;
  max-width: 480px;
}

/* Trust pills */
.hero-trust-pills {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}
.trust-pill {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.78rem;
  font-weight: 700;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.04em;
}

/* Stats strip */
.hero-stats {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-top: 36px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.16);
  border-radius: 16px;
  padding: 18px 40px;
  max-width: 500px;
  width: 100%;
}
.stat-item { text-align: center; flex: 1; }
.stat-val {
  font-size: 1.6rem;
  font-weight: 900;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}
.stat-lbl {
  font-size: 0.7rem;
  font-weight: 700;
  color: rgba(255,255,255,0.38);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: 5px;
}
.stat-divider {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.1);
  flex-shrink: 0;
  margin: 0 8px;
}

/* Wave divider */
.hero-wave {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 60px;
  line-height: 0;
}
.hero-wave svg { width: 100%; height: 100%; display: block; }

/* ============================================================
   SURVEY SECTION
   ============================================================ */
.survey-section {
  background: var(--black-2);
  padding: 0 0 88px;
}

.survey-card {
  background: rgba(255,255,255,0.035);
  border: 1px solid rgba(201,168,76,0.18);
  max-width: var(--card-max);
  margin: 0 auto;
  border-radius: 24px;
  padding: 40px 44px 48px;
  box-shadow:
    0 16px 80px rgba(0,0,0,0.55),
    0 0 0 1px rgba(255,255,255,0.04) inset,
    0 1px 0 rgba(201,168,76,0.12) inset;
  position: relative;
  min-height: 380px;
  animation: fadeInScale 0.6s ease both;
  animation-delay: 0.1s;
}

/* Gold top accent line on card */
.survey-card::before {
  content: '';
  position: absolute;
  top: 0; left: 24px; right: 24px;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  border-radius: 2px;
  opacity: 0.6;
}

/* Progress */
.progress-wrap {
  background: rgba(255,255,255,0.08);
  border-radius: 100px;
  height: 4px;
  margin-bottom: 8px;
  overflow: hidden;
}
.progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 100px;
  transition: width 0.4s cubic-bezier(0.34,1.56,0.64,1);
  width: 20%;
  box-shadow: 0 0 12px rgba(201,168,76,0.5);
}
.progress-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.35);
  font-weight: 700;
  text-align: right;
  letter-spacing: 0.08em;
  margin-bottom: 26px;
  text-transform: uppercase;
}

/* Back button */
.back-btn {
  background: none;
  border: none;
  color: rgba(255,255,255,0.38);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  padding: 0;
  margin-bottom: 16px;
  display: block;
  transition: color var(--ease);
  letter-spacing: 0.06em;
}
.back-btn:hover { color: var(--gold); }

/* Steps */
.step { transition: opacity 0.2s ease; }
.step.fading { opacity: 0; }

.step-question {
  font-size: clamp(1.1rem, 3vw, 1.35rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.3;
  margin-bottom: 26px;
  letter-spacing: -0.01em;
}

/* Option buttons */
.options {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.option-btn {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.97rem;
  font-weight: 700;
  color: rgba(255,255,255,0.82);
  background: rgba(255,255,255,0.04);
  border: 1.5px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 0 20px;
  min-height: 62px;
  cursor: pointer;
  text-align: left;
  transition:
    border-color var(--ease),
    background var(--ease),
    color var(--ease),
    transform 0.15s ease,
    box-shadow var(--ease);
  line-height: 1.3;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
}
.option-btn::after {
  content: '›';
  font-size: 1.2rem;
  opacity: 0.3;
  transition: opacity var(--ease), transform var(--ease);
}
.option-btn:hover {
  border-color: rgba(201,168,76,0.5);
  background: rgba(201,168,76,0.07);
  color: var(--white);
  transform: translateX(3px);
  box-shadow: 0 4px 20px rgba(201,168,76,0.1);
}
.option-btn:hover::after { opacity: 0.7; transform: translateX(2px); }

.option-btn:active,
.option-btn.selected {
  background: linear-gradient(135deg, rgba(201,168,76,0.2), rgba(201,168,76,0.08));
  border-color: var(--gold);
  color: var(--gold-light);
  transform: scale(0.985);
  box-shadow: 0 0 24px rgba(201,168,76,0.18);
}
.option-btn.selected::after { opacity: 1; color: var(--gold); }

/* ---- Contact form (step 5) ---- */
.field-group {
  display: flex;
  flex-direction: column;
  margin-bottom: 14px;
}
.field-group label {
  font-size: 0.8rem;
  font-weight: 700;
  color: rgba(255,255,255,0.65);
  margin-bottom: 6px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.req { color: var(--gold); }

.field-group input {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.97rem;
  font-weight: 500;
  color: var(--white);
  background: rgba(255,255,255,0.06);
  border: 1.5px solid rgba(255,255,255,0.1);
  border-radius: 10px;
  padding: 14px 16px;
  outline: none;
  width: 100%;
  transition: border-color var(--ease), box-shadow var(--ease), background var(--ease);
  -webkit-appearance: none;
}
.field-group input::placeholder { color: rgba(255,255,255,0.28); }
.field-group input:focus {
  border-color: rgba(201,168,76,0.6);
  background: rgba(255,255,255,0.08);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}
.field-group input.is-err {
  border-color: rgba(220,70,70,0.7);
  box-shadow: 0 0 0 3px rgba(192,57,43,0.12);
}

.field-err {
  font-size: 0.75rem;
  color: #ff7070;
  font-weight: 600;
  margin-top: 4px;
  min-height: 14px;
}

.consent-wrap { margin: 6px 0 22px; }
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
}
.consent-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  min-width: 18px;
  margin-top: 2px;
  accent-color: var(--gold);
  cursor: pointer;
}
.consent-text {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.6;
  font-weight: 400;
}
.consent-text a { color: rgba(255,255,255,0.55); text-decoration: underline; }
.consent-text a:hover { color: var(--gold); }

.btn-submit {
  width: 100%;
  font-size: 1.02rem;
  padding: 18px 24px;
  border-radius: 12px;
  margin-bottom: 12px;
}
.submit-note {
  font-size: 0.73rem;
  color: rgba(255,255,255,0.3);
  text-align: center;
  line-height: 1.5;
  font-weight: 400;
}

/* ---- Result / Thank-you screens ---- */
.result-wrap {
  text-align: center;
  padding: 20px 0 12px;
}
.result-icon {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  font-size: 2rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 22px;
}
.result-icon--check {
  background: rgba(46,125,50,0.2);
  border: 1.5px solid rgba(46,125,50,0.4);
  color: #69f0ae;
}
.result-icon--info {
  background: rgba(201,168,76,0.15);
  border: 1.5px solid rgba(201,168,76,0.3);
  color: var(--gold-light);
}

.result-title {
  font-size: 1.45rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 12px;
}
.result-body {
  font-size: 0.97rem;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
  line-height: 1.65;
}
.result-note {
  margin-top: 18px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.4);
  font-style: italic;
  line-height: 1.55;
}

.disq-box {
  display: inline-block;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 18px 28px;
  margin: 18px auto 0;
  text-align: left;
}
.disq-box p { color: rgba(255,255,255,0.8); font-weight: 700; font-size: 0.88rem; margin-bottom: 10px; }
.disq-box ul li { font-size: 0.85rem; color: rgba(255,255,255,0.5); padding: 3px 0; font-weight: 500; }
.disq-box ul li::before { content: '• '; color: var(--gold); }

/* Spinner */
.spinner {
  width: 44px;
  height: 44px;
  border: 3px solid rgba(255,255,255,0.1);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  margin: 20px auto 0;
}

/* ============================================================
   TRUST CARDS
   ============================================================ */
.trust-section {
  background: var(--black);
  padding: 88px 0;
}
.trust-label {
  text-align: center;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: 40px;
}
.trust-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}
.trust-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(201,168,76,0.14);
  border-radius: 18px;
  padding: 36px 30px;
  transition: border-color var(--ease), background var(--ease), transform var(--ease);
}
.trust-card:hover {
  border-color: rgba(201,168,76,0.35);
  background: rgba(201,168,76,0.05);
  transform: translateY(-3px);
}
.trust-card-icon {
  font-size: 1.8rem;
  margin-bottom: 14px;
  line-height: 1;
}
.trust-card h3 {
  font-size: 0.98rem;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 10px;
  letter-spacing: 0.01em;
}
.trust-card p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.58);
  line-height: 1.65;
  font-weight: 400;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: #060606;
  padding: 52px 0 40px;
  text-align: center;
  border-top: 1px solid rgba(255,255,255,0.05);
}
.footer-logo { display: flex; justify-content: center; margin-bottom: 20px; }
.footer-logo-img {
  width: min(140px, 50vw);
  height: auto;
  border-radius: 8px;
  opacity: 0.75;
  transition: opacity var(--ease);
}
.footer-logo-img:hover { opacity: 1; }

.footer-links {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-bottom: 10px;
}
.footer-links a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  font-weight: 600;
  text-decoration: none;
}
.footer-links a:hover { color: var(--gold); }
.sep { color: rgba(255,255,255,0.15); font-size: 0.8rem; }
.footer-copy {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.22);
  margin-bottom: 20px;
}
.footer-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.2);
  line-height: 1.65;
  max-width: 660px;
  margin: 0 auto;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 640px) {
  .survey-card {
    padding: 28px 22px 36px;
    border-radius: 18px;
  }
  .btn-hero { font-size: 0.97rem; padding: 16px 36px; }
  .trust-cards { grid-template-columns: 1fr; }
  .hero { padding: 48px 0 88px; }
  .option-btn { min-height: 58px; font-size: 0.92rem; }
  .hero-stats { padding: 16px 20px; }
  .stat-val { font-size: 1.3rem; }
}

@media (max-width: 420px) {
  .survey-card { padding: 22px 16px 28px; }
  .step-question { font-size: 1rem; }
  .hero-stats { flex-direction: column; gap: 14px; }
  .stat-divider { display: none; }
}