/* Insight Credit Limited — static site styles */

:root {
  --color-orange: #f15a2a;
  --color-blue-dark: #0b4193;
  --color-blue: #164998;
  --color-text: #333333;
  --color-text-light: #666666;
  --max-width: 1200px;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: 'Karla', Arial, Helvetica, sans-serif;
  color: var(--color-text);
  line-height: 1.6;
  font-size: 18px;
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 800;
}

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

a {
  text-decoration: none;
  color: inherit;
}

ul {
  margin: 0;
  padding: 0;
}

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

/* Header */
.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  border-bottom: 1px solid #eee;
  max-width: var(--max-width);
  margin: 0 auto;
}

.site-header .logo img {
  height: 92px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 34px;
}

.main-nav > ul {
  display: flex;
  list-style: none;
  gap: 34px;
  align-items: center;
}

.main-nav ul {
  list-style: none;
}

.main-nav a {
  font-weight: 700;
  font-size: 19px;
  color: var(--color-text);
  padding-bottom: 4px;
  border-bottom: 2px solid transparent;
}

.nav-search {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 2px solid #333;
  background: none;
  cursor: pointer;
  font-size: 16px;
  color: var(--color-text);
}

.nav-search:hover {
  border-color: var(--color-orange);
  color: var(--color-orange);
}

.main-nav a:hover,
.main-nav li.active > a {
  color: var(--color-orange);
  border-bottom-color: var(--color-orange);
}

.main-nav .has-dropdown {
  position: relative;
}

/* Invisible bridge so the hover state survives the visual gap above the dropdown */
.main-nav .has-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  height: 12px;
}

.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 12px);
  left: 0;
  background: var(--color-blue);
  min-width: 280px;
  white-space: nowrap;
  padding: 8px 0;
  z-index: 10;
  box-shadow: 0 6px 16px rgba(0,0,0,0.15);
}

.has-dropdown:hover .dropdown {
  display: block;
}

.dropdown li {
  border-bottom: 1px solid rgba(255,255,255,0.18);
}

.dropdown li:last-child {
  border-bottom: none;
}

.dropdown li a {
  display: block;
  padding: 12px 20px;
  color: #fff;
  font-weight: 400;
  font-size: 18px;
  white-space: nowrap;
  border-bottom: none;
}

.dropdown li a:hover {
  background: var(--color-blue-dark);
  color: #fff;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 28px;
  cursor: pointer;
}

/* Hero (home page) */
.hero {
  position: relative;
  background-size: cover;
  background-position: center;
  min-height: 480px;
  display: flex;
  align-items: center;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.15);
}

.hero-content {
  position: relative;
  z-index: 1;
  padding: 40px 24px;
  max-width: var(--max-width);
  margin: 0 auto;
  width: 100%;
}

.hero-content h1 {
  display: inline-block;
  background: rgba(0,0,0,0.55);
  color: #fff;
  font-size: 28px;
  padding: 14px 22px;
  margin: 0 0 20px;
}

.btn {
  display: inline-block;
  background: var(--color-blue);
  color: #fff;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 30px;
  border: none;
  cursor: pointer;
  font-size: 15px;
}

.btn:hover {
  background: var(--color-blue-dark);
}

.btn-outline {
  background: transparent;
  color: var(--color-blue);
  border: 2px solid var(--color-blue);
}

.btn-outline:hover {
  background: var(--color-blue);
  color: #fff;
}

/* Intro bar */
.intro-bar {
  background: var(--color-blue-dark);
  color: #fff;
  padding: 24px;
}

.intro-bar .container {
  font-size: 18px;
  line-height: 1.65;
}

.intro-bar strong {
  font-weight: 700;
}

/* Page header (inner pages) */
.page-header {
  position: relative;
  background: url('../images/page-header-bg.jpg');
  background-size: cover;
  background-position: center;
  padding: 30px 24px;
}

.page-header h1 {
  max-width: var(--max-width);
  margin: 0 auto;
  color: #fff;
  font-size: 30px;
}

.page-header-border {
  height: 4px;
  background: var(--color-orange);
}

/* Sections */
.section {
  padding: 56px 24px;
}

.section h2 {
  text-align: center;
  color: var(--color-blue-dark);
  font-size: 26px;
  margin-bottom: 36px;
}

.section-narrow {
  max-width: var(--max-width);
  margin: 0 auto;
}

/* Loan cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 30px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.card {
  background: #f7f7f7;
  padding: 20px;
  text-align: center;
}

.card h3 {
  color: var(--color-blue-dark);
  margin-top: 0;
}

.card h3 a {
  color: inherit;
}

.card h3 a:hover {
  color: var(--color-orange);
}

.card img {
  margin: 0 auto 16px;
  border-radius: 4px;
  transition: opacity 0.2s ease;
}

.card a:hover img {
  opacity: 0.85;
}

.card .read-more {
  display: inline-block;
  margin-top: 14px;
  color: var(--color-blue);
  font-weight: 700;
}

.card .read-more:hover {
  color: var(--color-orange);
}

/* Why us list */
.why-us-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 24px;
  max-width: var(--max-width);
  margin: 0 auto;
  text-align: center;
}

.why-us-grid .item {
  padding: 20px;
}

.why-us-grid .item .icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--color-blue-dark);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
}

.why-us-grid .item:hover .icon {
  background: var(--color-orange);
}

.why-us-grid .item h4 {
  color: var(--color-blue-dark);
  margin-bottom: 6px;
}

/* Dashed accent heading (Why Us / Talk To Us) */
h2.heading-dashed,
.heading-dashed {
  text-align: center;
  font-size: 30px;
  font-weight: 800;
  color: var(--color-orange);
  margin: 0 0 16px;
}

.heading-dashed::after {
  content: '';
  display: block;
  width: 90px;
  height: 0;
  border-top: 3px dashed var(--color-orange);
  margin: 16px auto 0;
}

h2.heading-dashed.light,
.heading-dashed.light {
  color: #fff;
}

/* Talk To Us */
.talk-to-us {
  background: var(--color-blue-dark) url('../images/talk-to-us-bg.jpg') center / cover no-repeat;
  padding: 60px 24px;
  text-align: center;
}

.talk-to-us-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 30px;
  max-width: var(--max-width);
  margin: 40px auto 0;
}

.talk-to-us-grid .item {
  color: #fff;
  padding: 12px;
}

.talk-to-us-grid .item .icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--color-orange);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
}

.talk-to-us-grid .item p {
  margin: 0;
  font-weight: 700;
  font-size: 18px;
}

.talk-to-us-grid .item a {
  color: #fff;
}

.talk-to-us-grid .item a:hover {
  color: var(--color-orange);
}

/* Prose pages (about, loan detail) */
.prose {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 48px 24px;
}

.prose h2 {
  color: var(--color-blue-dark);
  font-size: 20px;
  margin-top: 32px;
}

.prose ul {
  list-style: disc;
  padding-left: 22px;
}

.prose li {
  margin-bottom: 8px;
}

/* FAQs */
.faq-item {
  max-width: var(--max-width);
  margin: 0 auto 24px;
  padding: 0 24px;
}

.faq-item h3 {
  color: var(--color-blue-dark);
  font-size: 18px;
  margin-bottom: 6px;
}

.faq-item ul {
  list-style: disc;
  padding-left: 22px;
}

/* Thank You page */
.thank-you {
  max-width: 640px;
  margin: 0 auto;
  padding: 64px 24px;
  text-align: center;
}

.thank-you-icon {
  width: 84px;
  height: 84px;
  margin: 0 auto 24px;
  border-radius: 50%;
  background: #1a7a3d;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
}

.thank-you h2 {
  color: var(--color-blue-dark);
  margin-bottom: 16px;
}

.thank-you p {
  margin-bottom: 8px;
}

.thank-you-actions {
  margin-top: 28px;
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Contact / branches */
.contact-block {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 48px 24px;
}

.contact-block h2 {
  color: var(--color-blue);
  font-size: 20px;
}

.contact-block hr {
  border: none;
  border-top: 1px solid #e5e5e5;
  margin: 28px 0;
}

.map-embed {
  margin-top: 24px;
  border: 0;
  width: 100%;
  height: 360px;
}

/* Form */
.enquiry-form {
  max-width: 700px;
  margin: 0 auto;
  padding: 48px 24px;
}

.enquiry-form h2 {
  text-align: center;
  color: var(--color-blue-dark);
  margin-bottom: 30px;
}

.form-group {
  margin-bottom: 22px;
}

.form-group label {
  display: block;
  font-weight: 700;
  margin-bottom: 8px;
}

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-family: inherit;
  font-size: 15px;
}

.form-group textarea {
  min-height: 140px;
  resize: vertical;
}

.form-note {
  font-size: 13px;
  color: var(--color-text-light);
  margin-top: -10px;
  margin-bottom: 20px;
}

.form-banner {
  padding: 14px 18px;
  border-radius: 6px;
  margin-bottom: 24px;
  font-weight: 700;
  font-size: 16px;
}

.form-banner-success {
  background: #e6f6ec;
  color: #1a7a3d;
  border: 1px solid #b7e6c6;
}

.form-banner-error {
  background: #fdeceb;
  color: #b3261e;
  border: 1px solid #f5c2be;
}

/* Footer */
.site-footer {
  background: var(--color-blue-dark);
  color: #fff;
  text-align: center;
  padding: 26px 24px;
  border-top: 4px solid var(--color-orange);
}

.site-footer a {
  color: var(--color-orange);
}

.social-icons {
  margin-top: 16px;
  display: flex;
  justify-content: center;
  gap: 18px;
}

.social-icons a {
  color: #fff;
  font-size: 20px;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.9;
}

.social-icons a:hover {
  opacity: 1;
  color: var(--color-orange);
  border-color: var(--color-orange);
}

.powered-by {
  color: #fff;
}

.whatsapp-float {
  position: fixed;
  bottom: 24px;
  left: 24px;
  background: #25d366;
  color: #fff;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  box-shadow: 0 4px 10px rgba(0,0,0,0.25);
  z-index: 50;
}

.back-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--color-blue-dark);
  color: #fff;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  box-shadow: 0 4px 10px rgba(0,0,0,0.25);
  z-index: 50;
  border: none;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease;
}

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

.back-to-top:hover {
  background: var(--color-orange);
}

/* Mobile */
@media (max-width: 860px) {
  .main-nav ul {
    display: none;
  }
  .nav-toggle {
    display: block;
  }
  .site-header {
    flex-wrap: wrap;
  }
  .main-nav.open ul {
    display: flex;
    flex-direction: column;
    width: 100%;
    gap: 0;
    background: #fff;
  }
  .main-nav.open ul li {
    border-top: 1px solid #eee;
  }
  .main-nav.open ul a {
    display: block;
    padding: 14px 6px;
  }
  .main-nav.open .dropdown {
    position: static;
    box-shadow: none;
  }
  .hero-content h1 {
    font-size: 20px;
  }
}