/* 24hrPaydayLoan — design tokens */
:root {
  --navy: #152238;
  --navy-light: #22375a;
  --gold: #d9a62e;
  --gold-dark: #b98a1e;
  --cream: #f7f5ef;
  --slate: #2b3440;
  --slate-soft: #5c6572;
  --green: #3f8f5f;
  --red: #c1443c;
  --border: #e2ddd0;
  --radius: 6px;
  --max: 1080px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--slate);
  background: var(--cream);
  line-height: 1.55;
}

h1, h2, h3, .display {
  font-family: 'Spectral', Georgia, serif;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.15;
  margin: 0 0 0.5em;
}

a { color: inherit; }

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

/* Header */
header {
  background: var(--navy);
  color: #fff;
}
header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 18px;
  padding-bottom: 18px;
}
.logo {
  font-family: 'Spectral', serif;
  font-weight: 700;
  font-size: 1.3rem;
  color: #fff;
  text-decoration: none;
  letter-spacing: 0.2px;
}
.logo span { color: var(--gold); }
nav ul {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
}
nav a {
  text-decoration: none;
  color: #cfd7e3;
  font-size: 0.95rem;
}
nav a:hover { color: #fff; }
.header-cta {
  background: var(--gold);
  color: var(--navy);
  padding: 10px 20px;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
}

/* Hero */
.hero {
  padding: 72px 0 88px;
}
.hero .wrap {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
}
.hero h1 {
  font-size: clamp(2.1rem, 4vw, 3rem);
  max-width: 12ch;
}
.hero p.lede {
  font-size: 1.1rem;
  color: var(--slate-soft);
  max-width: 46ch;
  margin-bottom: 28px;
}

/* Clock-arc device */
.clock-arc {
  position: relative;
  width: 320px;
  height: 320px;
  margin: 0 auto;
}
.clock-arc svg { width: 100%; height: 100%; }
.clock-arc .arc-label {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}
.clock-arc .arc-label .num {
  font-family: 'Spectral', serif;
  font-size: 3.2rem;
  font-weight: 600;
  color: var(--navy);
  display: block;
}
.clock-arc .arc-label .unit {
  font-size: 0.85rem;
  color: var(--slate-soft);
  letter-spacing: 0.03em;
}

/* Amount selector */
.amount-form {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 28px;
  margin-top: 8px;
}
.amount-form h3 {
  font-size: 1.05rem;
  margin-bottom: 16px;
}
.amount-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 18px;
}
.amount-btn {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 0;
  text-align: center;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  font-size: 0.95rem;
  transition: border-color 0.15s, background 0.15s;
}
.amount-btn:hover { border-color: var(--gold); }
.amount-btn.selected {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.email-step { display: none; }
.email-step.active { display: block; }
.email-step input[type=email] {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 1rem;
  margin-bottom: 10px;
  font-family: inherit;
}
.email-step .error { color: var(--red); font-size: 0.85rem; margin-bottom: 8px; display: none; }
.submit-btn {
  width: 100%;
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 14px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
}
.submit-btn:hover { background: var(--gold-dark); }
.back-link {
  display: inline-block;
  margin-top: 10px;
  font-size: 0.85rem;
  color: var(--slate-soft);
  cursor: pointer;
  text-decoration: underline;
}

/* Trust strip */
.trust-strip {
  background: #fff;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 40px 0;
}
.trust-strip .wrap {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.trust-item h4 {
  font-family: 'Spectral', serif;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.trust-item p {
  color: var(--slate-soft);
  font-size: 0.93rem;
  margin: 0;
}

/* Content section */
.content-block {
  padding: 72px 0;
}
.content-block .wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.content-block h2 { font-size: 1.7rem; max-width: 16ch; }
.content-block p { color: var(--slate-soft); }

.faq-strip {
  background: var(--navy-light);
  color: #e7ecf3;
  padding: 56px 0;
}
.faq-strip .wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
.faq-strip h3 { color: #fff; font-size: 1.15rem; }
.faq-strip p { color: #c4cede; font-size: 0.93rem; }

/* Footer */
footer {
  background: var(--navy);
  color: #9fabc0;
  padding: 48px 0 32px;
  font-size: 0.82rem;
}
footer .wrap > p { max-width: 900px; }
footer .legal-name { color: #fff; font-weight: 600; margin-bottom: 14px; }
footer a { color: #c4cede; }
footer .fine-print { margin-top: 24px; line-height: 1.6; color: #7d88a0; }

/* Application form page */
.apply-section {
  padding: 56px 0 80px;
}
.apply-header {
  max-width: 640px;
  margin-bottom: 32px;
}
.apply-header p { color: var(--slate-soft); }
.apply-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 36px;
  max-width: 640px;
}
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 16px;
}
.field-row.single { grid-template-columns: 1fr; }
.field {
  display: flex;
  flex-direction: column;
}
.field label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.field input, .field select {
  padding: 12px 13px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.98rem;
  font-family: inherit;
}
.field .hint {
  font-size: 0.78rem;
  color: var(--slate-soft);
  margin-top: 4px;
}
.field .field-error {
  font-size: 0.78rem;
  color: var(--red);
  margin-top: 4px;
  display: none;
}
.section-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 0.04em;
  margin: 24px 0 12px;
}
.section-label:first-child { margin-top: 0; }
.consent {
  font-size: 0.8rem;
  color: var(--slate-soft);
  margin: 20px 0;
  line-height: 1.5;
}
.honeypot { position: absolute; left: -9999px; }
.status-msg {
  display: none;
  padding: 14px 16px;
  border-radius: var(--radius);
  margin-bottom: 18px;
  font-size: 0.92rem;
}
.status-msg.success { background: #e7f4ec; color: var(--green); display: block; }
.status-msg.error { background: #fbeceb; color: var(--red); display: block; }

.modal {
  position: fixed;
  inset: 0;
  background: rgba(21, 34, 56, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
}
.modal.hidden { display: none; }
.modal-box {
  background: #fff;
  width: min(92vw, 420px);
  padding: 30px 24px 22px;
  border-radius: 12px;
  box-shadow: 0 18px 45px rgba(10, 22, 38, 0.25);
  text-align: center;
}
.modal-box h3 {
  margin-bottom: 10px;
  font-size: 1.55rem;
}
.modal-box p {
  margin: 0 0 20px;
  color: var(--slate-soft);
}
.modal-btn {
  width: auto;
  min-width: 140px;
}

@media (max-width: 820px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .clock-arc { order: -1; width: 220px; height: 220px; }
  .content-block .wrap, .faq-strip .wrap, .trust-strip .wrap { grid-template-columns: 1fr; }
  nav { display: none; }
  .field-row { grid-template-columns: 1fr; }
}