/* ── Reset & Base ─────────────────────────────────────────── */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Montserrat', sans-serif;
    color: #1a1a2e;
    background-color: #ffffff;
    overflow-x: hidden;
    font-size: 16px;
    line-height: 1.6;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

input, select, textarea {
    font-size: 16px;
}

/* ── Container ────────────────────────────────────────────── */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ── Buttons ──────────────────────────────────────────────── */
.button {
    display: inline-block;
    background-color: #c9a84c;
    color: #ffffff;
    padding: 14px 28px;
    border-radius: 6px;
    text-decoration: none;
    font-weight: 700;
    font-size: 1rem;
    min-height: 44px;
    transition: background-color 0.3s ease;
    cursor: pointer;
}

.button:hover {
    background-color: #a8893d;
}

/* ── Navbar ───────────────────────────────────────────────── */
.navbar {
    background-color: #0d1b2a;
    padding: 16px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 10px rgba(0,0,0,0.3);
}

.navbar-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.navbar-logo {
    height: 55px;
    width: auto;
    border-radius: 8px;
    object-fit: contain;
}

.logo-link {
    text-decoration: none;
}

.business-name {
    font-family: 'Luxurious Roman', serif;
    font-size: 2rem;
    color: #c9a84c;
    letter-spacing: 2px;
}

nav ul {
    list-style: none;
    display: flex;
    gap: 24px;
    align-items: center;
}

nav ul li a {
    color: #ffffff;
    text-decoration: none;
    font-size: 0.9rem;
    font-weight: 600;
    transition: color 0.3s ease;
}

nav ul li a:hover {
    color: #c9a84c;
}

.nav-button {
    padding: 10px 20px;
    font-size: 0.85rem;
}

/* ── Hero Section ─────────────────────────────────────────── */
.hero-section {
    background-image: url('Hero NYC.png');
    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;
    width: 100%;
    padding: 0;
}

.hero-bg-overlay {
    background-color: rgba(13, 27, 42, 0.75);
    padding: 100px 0;
    width: 100%;
}

.hero-grid {
    display: flex;
    align-items: center;
    justify-content: flex-start;
}

.hero-text {
    max-width: 600px;
}

.hero-text h1 {
    font-family: 'Playfair Display', serif;
    font-size: 2.4rem;
    color: #ffffff;
    margin-bottom: 16px;
    line-height: 1.3;
}

.tagline {
    font-size: 1.2rem;
    color: #c9a84c;
    font-weight: 700;
    margin-bottom: 16px;
}

.mission-statement {
    color: #cccccc;
    margin-bottom: 28px;
    font-size: 1rem;
}

/* ── Section Shared ───────────────────────────────────────── */
.section {
    padding: 80px 0;
}

.alt-background {
    background-color: #f4f1eb;
}

.section h2 {
    font-family: 'Playfair Display', serif;
    font-size: 2rem;
    text-align: center;
    margin-bottom: 48px;
    color: #0d1b2a;
}

/* ── Benefits ─────────────────────────────────────────────── */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.benefit-item {
    text-align: center;
    padding: 30px 20px;
    background: #ffffff;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
    transition: transform 0.3s ease;
}

.benefit-item:hover {
    transform: translateY(-4px);
}

.benefit-item img {
    width: 70px;
    height: 70px;
    object-fit: cover;
    border-radius: 50%;
    margin: 0 auto 16px;
}

.benefit-item h3 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    color: #0d1b2a;
}

.benefit-item p {
    font-size: 0.9rem;
    color: #555555;
}

/* ── How It Works ─────────────────────────────────────────── */
.steps-container {
    display: flex;
    gap: 30px;
    justify-content: center;
}

.step {
    flex: 1;
    text-align: center;
    padding: 30px 20px;
    background: #ffffff;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
}

.step-number {
    background-color: #c9a84c;
    color: #ffffff;
    font-size: 1.5rem;
    font-weight: 700;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}

.step h3 {
    margin-bottom: 10px;
    color: #0d1b2a;
}

.step p {
    font-size: 0.9rem;
    color: #555555;
}

/* ── Requirements ─────────────────────────────────────────── */
.requirements-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.req-item {
    text-align: center;
    padding: 30px 20px;
    background: #ffffff;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
}

.req-item img {
    width: 70px;
    height: 70px;
    object-fit: cover;
    border-radius: 50%;
    margin: 0 auto 16px;
}

.req-item p {
    font-size: 0.95rem;
    color: #333333;
    font-weight: 600;
}

/* ── Calculator ───────────────────────────────────────────── */
.calculator-section {
    padding: 0;
}

.calculator-bg-image {
    background-image: url('Hero-Businessman.jpg');
    background-size: cover;
    background-position: center top;
    background-repeat: no-repeat;
    width: 100%;
}

.calculator-overlay {
    background-color: rgba(0, 20, 40, 0.72);
    padding: 80px 20px;
    width: 100%;
}

.calculator-overlay h2 {
    color: #ffffff;
}

.calculator-widget {
    max-width: 600px;
    margin: 0 auto;
    background: rgba(255,255,255,0.08);
    padding: 40px;
    border-radius: 12px;
    border: 1px solid rgba(201,168,76,0.4);
}

.calculator-widget label {
    display: block;
    font-size: 1.1rem;
    font-weight: 600;
    color: #ffffff;
    margin-bottom: 12px;
}

.calculator-widget label span {
    color: #c9a84c;
    font-size: 1.3rem;
}

.calculator-widget input[type="range"] {
    width: 100%;
    height: 6px;
    accent-color: #c9a84c;
    margin-bottom: 30px;
    cursor: pointer;
}

.results {
    background: rgba(255,255,255,0.1);
    border-radius: 8px;
    padding: 20px;
    margin-bottom: 24px;
}

.results h3 {
    color: #c9a84c;
    margin-bottom: 12px;
}

.results p {
    color: #ffffff;
    margin-bottom: 8px;
}

.results p span {
    font-weight: 700;
    color: #c9a84c;
}

.disclaimer {
    color: #aaaaaa !important;
    font-size: 0.8rem !important;
}

.calculator-button {
    display: block;
    text-align: center;
    width: 100%;
}

/* ── FAQ ──────────────────────────────────────────────────── */
.faq-item {
    margin-bottom: 28px;
    padding: 24px;
    background: #ffffff;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.06);
    border-left: 4px solid #c9a84c;
}

.faq-item h3 {
    margin-bottom: 10px;
    color: #0d1b2a;
    font-size: 1.05rem;
}

.faq-item p {
    color: #555555;
    font-size: 0.95rem;
}

/* ── Application Form ─────────────────────────────────────── */
.application-form-section {
    background-color: #0d1b2a;
}

.application-form-section h2 {
    color: #ffffff;
}

.application-form-section p {
    text-align: center;
    color: #cccccc;
    margin-bottom: 32px;
}

/* ── Footer ───────────────────────────────────────────────── */
.footer {
    background-color: #060d14;
    padding: 24px 0;
    text-align: center;
}

.footer p {
    color: #888888;
    font-size: 0.85rem;
}

.footer-link {
    color: #c9a84c;
    text-decoration: none;
}

.footer-link:hover {
    text-decoration: underline;
}

/* ── Tablet ───────────────────────────────────────────────── */
@media (max-width: 1024px) {
    .benefits-grid,
    .requirements-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .steps-container {
        flex-wrap: wrap;
    }

    .step {
        flex: 1 1 45%;
    }
}

/* ── Mobile (iPhone) ──────────────────────────────────────── */
@media (max-width: 768px) {
    .navbar-content {
        flex-direction: column;
        gap: 16px;
    }

    .navbar-logo {
        height: 40px;
    }

    nav ul {
        flex-wrap: wrap;
        justify-content: center;
        gap: 12px;
    }

    .hero-bg-overlay {
        padding: 60px 0;
    }

    .hero-grid {
        flex-direction: column;
        text-align: center;
    }

    .hero-text {
        text-align: center;
        max-width: 100%;
    }

    .hero-text h1 {
        font-size: 1.8rem;
    }

    .section h2 {
        font-size: 1.5rem;
    }

    .benefits-grid,
    .requirements-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .steps-container {
        flex-direction: column;
    }

    .step {
        flex: 1 1 100%;
    }

    .calculator-widget {
        padding: 24px;
    }
}

/* ── iPhone SE / Small Screens ────────────────────────────── */
@media (max-width: 390px) {
    .benefits-grid,
    .requirements-grid {
        grid-template-columns: 1fr;
    }

    .button {
        width: 100%;
        text-align: center;
    }

    .hero-text h1 {
        font-size: 1.5rem;
    }

    nav ul {
        gap: 8px;
    }

    nav ul li a {
        font-size: 0.8rem;
    }
}