/* =============================================
   ACCESS FINANCE — Main Stylesheet
   ============================================= */

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Open Sans', sans-serif;
  color: #1a1a2e;
  background: #fff;
  overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}

/* =============================================
   NAVBAR
   ============================================= */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  box-shadow: 0 2px 20px rgba(0,0,0,0.08);
  transition: background 0.3s, box-shadow 0.3s;
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0.6rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo-link { display: flex; align-items: center; }
.logo { height: 52px; width: auto; }

nav ul.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

nav ul.nav-links li a {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  color: #1a1a2e;
  padding: 0.45rem 0.9rem;
  border-radius: 4px;
  transition: color 0.2s, background 0.2s;
  letter-spacing: 0.02em;
}

nav ul.nav-links li a:hover { color: #1b3a6b; }

nav ul.nav-links li a.nav-btn-green {
  background: #4caf50;
  color: #fff;
  border-radius: 20px;
  padding: 0.45rem 1.1rem;
}
nav ul.nav-links li a.nav-btn-green:hover { background: #388e3c; }

nav ul.nav-links li a.nav-btn-dark {
  background: #1b3a6b;
  color: #fff;
  border-radius: 20px;
  padding: 0.45rem 1.1rem;
}
nav ul.nav-links li a.nav-btn-dark:hover { background: #122a50; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: #1b3a6b;
  border-radius: 2px;
  transition: all 0.3s;
}

/* Mobile menu */
.mobile-menu {
  display: none;
  background: #fff;
  border-top: 1px solid #eee;
  padding: 1rem 2rem;
}
.mobile-menu.open { display: block; }
.mobile-menu ul { display: flex; flex-direction: column; gap: 0.75rem; }
.mobile-menu ul li a {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  color: #1b3a6b;
  display: block;
  padding: 0.4rem 0;
}

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  padding: 0.7rem 1.8rem;
  border-radius: 30px;
  cursor: pointer;
  transition: all 0.25s;
  letter-spacing: 0.03em;
  border: 2px solid transparent;
}

.btn-outline {
  background: transparent;
  border-color: #fff;
  color: #fff;
}
.btn-outline:hover { background: #fff; color: #1b3a6b; }

.btn-dark {
  background: #1b3a6b;
  color: #fff;
  border-color: #1b3a6b;
}
.btn-dark:hover { background: #122a50; border-color: #122a50; }

.btn-outline-white {
  background: transparent;
  border-color: #fff;
  color: #fff;
}
.btn-outline-white:hover { background: #fff; color: #1b3a6b; }

.btn-submit {
  background: #1b3a6b;
  color: #fff;
  border: none;
  width: 100%;
  padding: 0.9rem;
  font-size: 1rem;
  border-radius: 30px;
  cursor: pointer;
  transition: background 0.25s;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
}
.btn-submit:hover { background: #122a50; }

/* =============================================
   HERO
   ============================================= */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: 80px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  z-index: 0;
  transform: scale(1.05);
  transition: transform 0.5s ease;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(27,58,107,0.82) 0%, rgba(10,20,50,0.65) 100%);
  z-index: 1;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 700px;
  padding: 3rem 2rem 3rem 6rem;
  color: #fff;
}

.hero-content h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 12px rgba(0,0,0,0.3);
}

.hero-content h1 span {
  color: #a8c4f0;
}

.hero-content p {
  font-size: 1.05rem;
  line-height: 1.75;
  margin-bottom: 2rem;
  opacity: 0.92;
  max-width: 580px;
}

/* =============================================
   PAYMENT OPTIONS
   ============================================= */
.payments-section {
  padding: 6rem 0;
  background: #f0f4fb;
}

.section-header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.section-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: #1b3a6b;
  margin-bottom: 0.75rem;
}

.section-sub {
  font-size: 1rem;
  color: #555;
  line-height: 1.7;
  max-width: 620px;
  margin: 0 auto;
}

.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}

/* 3D Card Effect */
.card-3d {
  perspective: 1000px;
}

.card-inner {
  background: #fff;
  border-radius: 16px;
  padding: 2.2rem 1.8rem;
  box-shadow: 0 4px 24px rgba(27,58,107,0.10);
  transition: transform 0.4s cubic-bezier(0.23,1,0.32,1), box-shadow 0.4s;
  transform-style: preserve-3d;
  will-change: transform;
  height: 100%;
}

.card-3d:hover .card-inner {
  transform: translateY(-8px) rotateX(4deg) rotateY(-2deg);
  box-shadow: 0 20px 50px rgba(27,58,107,0.18);
}

.card-icon {
  width: 72px;
  height: 72px;
  background: #e8eef7;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
  padding: 14px;
}

.card-icon svg { width: 100%; height: 100%; }

.card-inner h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: #1b3a6b;
  margin-bottom: 0.75rem;
}

.card-inner p {
  font-size: 0.92rem;
  color: #555;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.card-inner p a { color: #1b3a6b; text-decoration: underline; }

/* =============================================
   DEALERS
   ============================================= */
.dealers-section {
  padding: 6rem 0;
  background: #fff;
}

.dealers-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.dealers-image {
  position: relative;
  border-radius: 16px;
  overflow: visible;
}

.dealers-image img {
  border-radius: 16px;
  width: 100%;
  height: 420px;
  object-fit: cover;
  box-shadow: 0 12px 40px rgba(27,58,107,0.15);
  transition: transform 0.5s ease, box-shadow 0.5s ease;
}

.dealers-image:hover img {
  transform: scale(1.02);
  box-shadow: 0 20px 60px rgba(27,58,107,0.22);
}

.dealers-badge {
  position: absolute;
  bottom: -20px;
  left: 20px;
  background: rgba(255,255,255,0.95);
  border-radius: 12px;
  padding: 1rem 1.2rem;
  display: flex;
  align-items: center;
  gap: 0.8rem;
  box-shadow: 0 8px 30px rgba(0,0,0,0.12);
  backdrop-filter: blur(8px);
  min-width: 240px;
}

.badge-icon {
  width: 48px;
  height: 48px;
  background: #e8eef7;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  padding: 8px;
}

.dealers-badge span {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: #1b3a6b;
  line-height: 1.4;
}

.dealers-text h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 700;
  color: #1b3a6b;
  margin-bottom: 1.2rem;
}

.dealers-text p {
  font-size: 0.98rem;
  color: #555;
  line-height: 1.8;
  margin-bottom: 1.8rem;
}

/* =============================================
   PORTFOLIO PURCHASES
   ============================================= */
.portfolio-section {
  position: relative;
  padding: 7rem 0;
  background: #1b3a6b;
  overflow: hidden;
}

.portfolio-section::before {
  content: '';
  position: absolute;
  top: -60px; left: 0; right: 0;
  height: 120px;
  background: #fff;
  clip-path: polygon(0 0, 100% 0, 100% 40%, 0 100%);
}

.portfolio-section::after {
  content: '';
  position: absolute;
  bottom: -60px; left: 0; right: 0;
  height: 120px;
  background: #f0f4fb;
  clip-path: polygon(0 60%, 100% 0, 100% 100%, 0 100%);
  z-index: 1;
}

.portfolio-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.portfolio-image img {
  border-radius: 16px;
  width: 100%;
  height: 400px;
  object-fit: cover;
  box-shadow: 0 16px 50px rgba(0,0,0,0.35);
  transition: transform 0.5s ease;
}

.portfolio-image:hover img { transform: scale(1.02); }

.portfolio-text h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 700;
  color: #fff;
  margin-bottom: 1.2rem;
}

.portfolio-text p {
  font-size: 0.98rem;
  color: rgba(255,255,255,0.88);
  line-height: 1.8;
  margin-bottom: 1.5rem;
}

.portfolio-text p a { color: #a8c4f0; text-decoration: underline; }

.criteria-box {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 12px;
  padding: 1.4rem 1.6rem;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(6px);
}

.criteria-box h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.criteria-box ul { display: flex; flex-direction: column; gap: 0.5rem; }

.criteria-box ul li {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.88);
  padding-left: 1.2rem;
  position: relative;
  line-height: 1.6;
}

.criteria-box ul li::before {
  content: '▸';
  position: absolute;
  left: 0;
  color: #4caf50;
}

/* =============================================
   CONTACT
   ============================================= */
.contact-section {
  padding: 7rem 0 6rem;
  background: #f0f4fb;
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}

.contact-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  color: #4caf50;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.6rem;
}

.contact-info h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 700;
  color: #1b3a6b;
  margin-bottom: 1.2rem;
}

.contact-info p {
  font-size: 0.95rem;
  color: #555;
  line-height: 1.8;
  margin-bottom: 0.5rem;
}

.contact-details {
  margin-top: 1.5rem;
  padding: 1.4rem 1.6rem;
  background: #fff;
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(27,58,107,0.08);
}

.contact-details p {
  font-size: 0.92rem;
  color: #333;
  margin-bottom: 0.35rem;
}

.contact-details a { color: #1b3a6b; font-weight: 600; }

/* Contact Form */
.contact-form-wrap {
  background: #fff;
  border-radius: 16px;
  padding: 2.5rem;
  box-shadow: 0 8px 40px rgba(27,58,107,0.10);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  margin-bottom: 1.2rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.form-group.full-width { margin-bottom: 1.4rem; }

.form-group label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  color: #1b3a6b;
}

.form-group input,
.form-group textarea {
  border: 1.5px solid #dde3ef;
  border-radius: 8px;
  padding: 0.7rem 1rem;
  font-size: 0.92rem;
  font-family: 'Open Sans', sans-serif;
  color: #333;
  background: #f8faff;
  transition: border-color 0.2s, box-shadow 0.2s;
  resize: vertical;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: #1b3a6b;
  box-shadow: 0 0 0 3px rgba(27,58,107,0.1);
  background: #fff;
}

.form-msg {
  margin-top: 0.8rem;
  font-size: 0.9rem;
  font-weight: 600;
  text-align: center;
  min-height: 1.2rem;
}
.form-msg.success { color: #2e7d32; }
.form-msg.error { color: #c62828; }

/* =============================================
   FOOTER
   ============================================= */
.site-footer {
  background: #0d0d0d;
  color: #ccc;
  padding: 3.5rem 2rem 0;
}

.footer-top {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  gap: 3rem;
  align-items: flex-start;
  flex-wrap: wrap;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo-col {
  flex: 1;
  min-width: 260px;
}

.footer-logo {
  height: 60px;
  width: auto;
  margin-bottom: 1.5rem;
  filter: brightness(0) invert(1);
}

.footer-disclaimer p {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.6rem;
}

.footer-disclaimer ul {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-disclaimer ul li {
  font-size: 0.8rem;
  color: #aaa;
  line-height: 1.6;
  padding-left: 1rem;
  position: relative;
}

.footer-disclaimer ul li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: #4caf50;
}

.footer-nav {
  display: flex;
  flex-direction: column;
  gap: 0.8rem;
  padding-top: 0.5rem;
}

.footer-nav a {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: #bbb;
  transition: color 0.2s;
}
.footer-nav a:hover { color: #fff; }

.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 1.2rem 0 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.footer-bottom p {
  font-size: 0.78rem;
  color: #666;
  font-family: 'Montserrat', sans-serif;
  letter-spacing: 0.05em;
}

.footer-legal-links {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.footer-legal-links a {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  color: #aaa;
  letter-spacing: 0.04em;
  transition: color 0.2s;
}
.footer-legal-links a:hover { color: #fff; }

.footer-legal-links span {
  color: #555;
  font-size: 0.75rem;
}

/* =============================================
   BACK TO TOP
   ============================================= */
.back-to-top {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 44px;
  height: 44px;
  background: #1b3a6b;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  box-shadow: 0 4px 16px rgba(0,0,0,0.2);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s, transform 0.3s;
  z-index: 999;
  line-height: 1;
}

.back-to-top.visible {
  opacity: 1;
  pointer-events: auto;
}

.back-to-top:hover { transform: translateY(-3px); background: #122a50; }

/* =============================================
   SCROLL REVEAL ANIMATIONS
   ============================================= */
.reveal-up,
.reveal-left,
.reveal-right {
  opacity: 0;
  transition: opacity 0.8s cubic-bezier(0.23,1,0.32,1), transform 0.8s cubic-bezier(0.23,1,0.32,1);
}

.reveal-up    { transform: translateY(50px); }
.reveal-left  { transform: translateX(-60px); }
.reveal-right { transform: translateX(60px); }

.reveal-up.visible,
.reveal-left.visible,
.reveal-right.visible {
  opacity: 1;
  transform: translate(0, 0);
}

/* =============================================
   LEGAL PAGES (Privacy Policy & T&C)
   ============================================= */
.legal-page {
  padding-top: 2rem;
  padding-bottom: 5rem;
  min-height: 100vh;
  background: #f8faff;
}

.legal-page .container {
  max-width: 860px;
}

.legal-hero {
  background: linear-gradient(135deg, #1b3a6b 0%, #0d1f3c 100%);
  padding: 5rem 2rem 3.5rem;
  padding-top: 120px;
  text-align: center;
  color: #fff;
  margin-bottom: 3rem;
  margin-top: 0;
}

.legal-hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.legal-hero p {
  font-size: 0.95rem;
  opacity: 0.8;
}

.legal-content {
  background: #fff;
  border-radius: 16px;
  padding: 3rem;
  box-shadow: 0 4px 30px rgba(27,58,107,0.08);
  line-height: 1.85;
}

.legal-content h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: #1b3a6b;
  margin: 2rem 0 0.75rem;
  padding-bottom: 0.4rem;
  border-bottom: 2px solid #e8eef7;
}

.legal-content h2:first-child { margin-top: 0; }

.legal-content p {
  font-size: 0.95rem;
  color: #444;
  margin-bottom: 1rem;
}

.legal-content ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.legal-content ul li {
  font-size: 0.95rem;
  color: #444;
  margin-bottom: 0.5rem;
  line-height: 1.75;
}

.legal-content a { color: #1b3a6b; text-decoration: underline; }
.legal-content a:hover { color: #4caf50; }

.legal-back {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  color: #1b3a6b;
  margin-bottom: 1.5rem;
  transition: gap 0.2s;
}
.legal-back:hover { gap: 0.75rem; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 900px) {
  .dealers-inner,
  .portfolio-inner,
  .contact-inner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .dealers-image { order: -1; }
  .portfolio-image { order: -1; }

  .dealers-image img,
  .portfolio-image img { height: 280px; }

  .dealers-badge { bottom: -16px; }

  .hero-content { padding: 2rem 1.5rem; }

  .portfolio-section::before,
  .portfolio-section::after { display: none; }
  .portfolio-section { padding: 5rem 0; }
}

@media (max-width: 768px) {
  nav ul.nav-links { display: none; }
  .hamburger { display: flex; }

  .form-row { grid-template-columns: 1fr; }

  .footer-top { flex-direction: column; }
  .footer-nav { flex-direction: row; flex-wrap: wrap; gap: 1rem 1.5rem; }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .legal-content { padding: 1.8rem; }
}

@media (max-width: 480px) {
  .hero-content h1 { font-size: 2rem; }
  .cards-grid { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 1.5rem; }
}