/* =========================================================
   Loanbiz — public landing page
   Reuses tokens from style.css (navy/gold/Sora/Manrope/Plex Mono)
   ========================================================= */

.landing { overflow-x: hidden; }

/* ---------- Section bands (full-bleed background per section) ---------- */
.band { width: 100%; }
.band-white { background: #fff; }
.band-gold-tint { background: #FBF6EC; }
.band-blue-tint { background: #EEF1F9; }
.band-hero {
  background: linear-gradient(160deg, var(--ink) 0%, #1B2C52 55%, var(--primary) 100%);
}
.band-hero .l-eyebrow-dark { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.18); color: var(--gold-light); }
.band-hero h1 { color: #fff; }
.band-hero h1 em { color: var(--gold-light); }
.band-hero .l-sub { color: rgba(255,255,255,0.68); }
.band-hero .btn-ghost-dark { border-color: rgba(255,255,255,0.3); color: #fff; }
.band-hero .btn-ghost-dark:hover { border-color: #fff; }
.band-hero .l-trust .item { color: rgba(255,255,255,0.6); }
.band-hero .hero-card { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.16); backdrop-filter: blur(6px); box-shadow: 0 30px 60px rgba(0,0,0,0.25); }


.l-nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 3%; position: sticky; top: 0; z-index: 20;
  background: rgba(247,248,251,0.85); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.l-nav .brand { display: flex; align-items: center; gap: 10px; }
.l-nav .links { display: flex; align-items: center; gap: 30px; }
.l-nav .links a.nav-item { font-weight: 600; font-size: 14px; color: var(--ink); }
.l-nav .links a.nav-item:hover { color: var(--primary); }
@media (max-width: 720px) { .l-nav .links a.nav-item { display: none; } }

/* ---------- Hero ---------- */
.l-hero {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 40px; align-items: center;
  padding: 76px 3% 90px; max-width: 1440px; margin: 0 auto;
}
@media (max-width: 940px) { .l-hero { grid-template-columns: 1fr; padding-top: 50px; } }

.l-eyebrow {
  display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-mono);
  font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--primary);
  background: #EEF1F9; border: 1px solid rgba(47,75,143,0.15); padding: 7px 14px; border-radius: 20px;
}
.l-hero h1 { font-size: 48px; line-height: 1.1; margin-top: 20px; max-width: 620px; }
.l-hero h1 em { font-style: normal; color: var(--primary); position: relative; }
.l-hero .l-sub { font-size: 16.5px; color: var(--muted); max-width: 480px; margin-top: 18px; line-height: 1.6; }
.l-hero .l-cta-row { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; }
@media (max-width: 560px) { .l-hero h1 { font-size: 34px; } }

.l-trust { display: flex; gap: 26px; margin-top: 40px; flex-wrap: wrap; }
.l-trust .item { font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.l-trust .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }

/* ---------- Hero ledger mock card (signature visual) ---------- */
.hero-card-wrap { position: relative; display: flex; justify-content: center; }
.hero-visual-img {
  width: 100%; max-width: 460px; height: auto; border-radius: 22px;
  box-shadow: 0 30px 60px rgba(18,33,61,0.28);
}
.hero-card {
  width: 100%; max-width: 380px; background: var(--ink); border-radius: 22px; padding: 26px;
  box-shadow: 0 30px 60px rgba(18,33,61,0.28); position: relative; color: #fff;
  transform: rotate(-2deg);
}
.hero-card .hc-top { display: flex; align-items: center; justify-content: space-between; }
.hero-card .hc-biz { font-family: var(--font-display); font-weight: 700; font-size: 16px; }
.hero-card .hc-sub { font-size: 11.5px; color: rgba(255,255,255,0.55); margin-top: 3px; }
.hero-card .hc-ring { width: 56px; height: 56px; }
.hero-card .hc-rows { margin-top: 22px; display: flex; flex-direction: column; gap: 10px; }
.hc-row {
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px; padding: 10px 12px; font-size: 12.5px;
}
.hc-row .no { font-family: var(--font-mono); color: rgba(255,255,255,0.5); }
.hc-row .st { font-family: var(--font-mono); font-size: 10.5px; font-weight: 700; padding: 3px 9px; border-radius: 20px; }
.hc-row .st.paid { background: rgba(31,157,108,0.2); color: #6EE7B7; }
.hc-row .st.due { background: rgba(201,154,62,0.2); color: var(--gold-light); }
.hero-float {
  position: absolute; background: #fff; border-radius: 14px; padding: 12px 16px;
  box-shadow: var(--shadow-pop); font-size: 12.5px; font-weight: 700; color: var(--ink);
  display: flex; align-items: center; gap: 8px;
}
.hero-float.f1 { top: -18px; right: -10px; transform: rotate(4deg); }
.hero-float.f2 { bottom: -16px; left: -18px; transform: rotate(-3deg); color: var(--success); }
@media (max-width: 940px) { .hero-card { transform: none; margin-top: 20px; } }

/* ---------- Stat/feature strip ---------- */
.l-strip {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px;
  max-width: 1320px; margin: 0 auto; padding: 0 3% 10px;
}
@media (max-width: 760px) { .l-strip { grid-template-columns: 1fr; } }
.l-strip .strip-item {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-md);
  padding: 20px; display: flex; gap: 14px; align-items: flex-start;
}
.l-strip .strip-ic {
  width: 40px; height: 40px; border-radius: 10px; background: #EEF1F9; color: var(--primary);
  display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0;
}
.l-strip h4 { font-size: 14.5px; }
.l-strip p { font-size: 13px; color: var(--muted); margin-top: 5px; line-height: 1.5; }

/* ---------- Section shell ---------- */
.l-section { max-width: 1320px; margin: 0 auto; padding: 90px 3%; }
.l-head { max-width: 560px; margin-bottom: 44px; }
.l-head .l-eyebrow { margin-bottom: 14px; }
.l-head h2 { font-size: 32px; line-height: 1.2; }
.l-head p { color: var(--muted); margin-top: 12px; font-size: 15px; line-height: 1.6; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding-top: 6px; }
.step .step-no {
  font-family: var(--font-mono); font-size: 13px; color: var(--gold); font-weight: 700;
  border: 1.5px solid var(--gold-light); width: 34px; height: 34px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.step h3 { font-size: 17.5px; }
.step p { color: var(--muted); font-size: 13.5px; margin-top: 8px; line-height: 1.6; }
.step-line { position: absolute; top: 17px; left: 34px; width: calc(100% - 20px); height: 1.5px; background: var(--line); }
@media (max-width: 800px) { .step-line { display: none; } }

/* ---------- Feature grid ---------- */
.feat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .feat-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .feat-grid { grid-template-columns: 1fr; } }
.feat-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 24px; transition: box-shadow .18s ease, transform .18s ease;
}
.feat-card:hover { box-shadow: var(--shadow-card); transform: translateY(-2px); }
.feat-card .fc-ic {
  width: 44px; height: 44px; border-radius: 12px; display: flex; align-items: center; justify-content: center;
  font-size: 19px; margin-bottom: 16px;
}
.feat-card h4 { font-size: 15.5px; }
.feat-card p { font-size: 13.5px; color: var(--muted); margin-top: 8px; line-height: 1.55; }

/* ---------- Business directory grid ---------- */
.biz-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .biz-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .biz-grid { grid-template-columns: 1fr; } }
.biz-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 18px; text-align: center; transition: box-shadow .18s ease, transform .18s ease;
}
.biz-card:hover { box-shadow: var(--shadow-card); transform: translateY(-2px); }
.biz-card img {
  width: 72px; height: 72px; border-radius: 50%; object-fit: cover; margin: 0 auto 14px;
  border: 1.5px solid var(--line); display: block;
}
.biz-card .bc-name { font-size: 15px; font-weight: 700; color: var(--ink); }
.biz-card .bc-owner { font-size: 13px; color: var(--muted); margin-top: 4px; }
.biz-card .bc-gst { font-family: var(--font-mono); font-size: 12px; color: var(--muted); margin-top: 8px; }
.biz-card .btn { margin-top: 16px; width: 100%; }

/* ---------- CTA banner ---------- */
.l-cta {
  background: linear-gradient(140deg, var(--ink), #1B2C52 60%, var(--primary));
  border-radius: 26px; padding: 56px 3%; max-width: 1320px; margin: 0 auto 90px;
  color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap;
  position: relative; overflow: hidden;
}
.l-cta::after {
  content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%;
  background: var(--gold); opacity: 0.14;
}
.l-cta h3 { font-size: 26px; max-width: 420px; }
.l-cta p { color: rgba(255,255,255,0.7); margin-top: 10px; font-size: 14px; max-width: 420px; }

/* ---------- Top rated businesses ---------- */
.top-rated-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .top-rated-grid { grid-template-columns: 1fr; } }
.top-rated-card {
  position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden; transition: box-shadow .18s ease, transform .18s ease;
}
.top-rated-card:first-child { border-color: var(--gold-light); box-shadow: 0 8px 26px rgba(201,154,62,0.14); }
.top-rated-card:hover { box-shadow: var(--shadow-card); transform: translateY(-2px); }
.top-rated-card .rank-badge {
  position: absolute; top: 14px; left: 14px; z-index: 2; font-family: var(--font-mono); font-weight: 700;
  font-size: 13px; color: #fff; background: rgba(18,33,61,0.55); border-radius: 20px; padding: 4px 10px;
}
.top-rated-card .tr-img-wrap { position: relative; width: 100%; aspect-ratio: 16/10; background: var(--paper); }
.top-rated-card .tr-img-wrap img { display: block; width: 100%; height: 100%; object-fit: cover; }
.top-rated-card .tr-ribbon {
  position: absolute; top: 14px; right: 14px; font-family: var(--font-mono); font-size: 10.5px; font-weight: 700;
  letter-spacing: 0.06em; text-transform: uppercase; color: #A6741C; background: #FFF4E4;
  border-radius: 20px; padding: 4px 10px;
}
.top-rated-card .tr-body { padding: 18px 20px 20px; }
.top-rated-card .pbc-name { font-family: var(--font-display); font-weight: 700; font-size: 16px; }
.top-rated-card .pbc-owner { font-size: 13px; color: var(--muted); margin-top: 2px; }
.top-rated-card .pbc-gst { font-family: var(--font-mono); font-size: 11.5px; color: var(--muted); margin-top: 8px; }
.top-rated-card .tr-loan { margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line); font-weight: 700; font-size: 15px; color: var(--ink); }
.top-rated-card .tr-loan span { display: block; font-weight: 400; font-size: 11.5px; color: var(--muted); margin-top: 2px; }

/* ---------- About us (split content / visual) ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 0.85fr; gap: 56px; align-items: center; }
@media (max-width: 900px) { .about-grid { grid-template-columns: 1fr; gap: 36px; } }
.about-content .l-eyebrow { margin-bottom: 16px; }
.about-content h2 { font-size: 32px; line-height: 1.2; }
.about-content p { color: var(--muted); margin-top: 14px; font-size: 15px; line-height: 1.65; max-width: 460px; }
.about-stats { display: flex; gap: 30px; margin-top: 34px; flex-wrap: wrap; }
.about-stat h4 { font-family: var(--font-display); font-size: 26px; color: var(--primary); }
.about-stat p { font-size: 12.5px; color: var(--muted); margin-top: 4px; max-width: none; }
.about-visual { display: flex; justify-content: center; }
.about-visual svg { width: 100%; max-width: 360px; height: auto; }
.about-visual-img {
  width: 100%; max-width: 420px; height: auto; border-radius: 22px;
  box-shadow: 0 30px 60px rgba(18,33,61,0.18);
}

/* ---------- Public business directory ---------- */
.public-biz-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 1000px) { .public-biz-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 760px) { .public-biz-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .public-biz-grid { grid-template-columns: 1fr; } }
.public-biz-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden; display: flex; flex-direction: column; min-width: 0;
  transition: box-shadow .18s ease, transform .18s ease;
}
.public-biz-card:hover { box-shadow: var(--shadow-card); transform: translateY(-2px); }
.pbc-img-wrap { width: 100%; aspect-ratio: 4/3; background: var(--paper); border-bottom: 1px solid var(--line); }
.pbc-img-wrap img { display: block; width: 100%; height: 100%; object-fit: cover; }
.public-biz-card .pbc-body { padding: 16px 16px 4px; display: flex; flex-direction: column; gap: 2px; }
.public-biz-card .btn-sm { margin: 14px 16px 16px; width: calc(100% - 32px) !important; }
.pbc-name { font-family: var(--font-display); font-weight: 700; font-size: 15.5px; }
.pbc-owner { font-size: 13px; color: var(--muted); margin-top: 2px; }
.pbc-gst { font-family: var(--font-mono); font-size: 11.5px; color: var(--muted); margin-top: 8px; }
.pbc-addr { font-size: 12.5px; color: var(--muted); margin-top: 4px; line-height: 1.5; }

/* ---------- Footer ---------- */
.l-footer-main {
  background: linear-gradient(180deg, var(--ink), #0E1930);
  color: rgba(255,255,255,0.7);
  padding: 56px 3% 26px;
  margin-top: 40px;
}
.lf-top {
  max-width: 1320px; margin: 0 auto;
  display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 36px;
  padding-bottom: 36px; border-bottom: 1px solid rgba(255,255,255,0.1);
}
@media (max-width: 860px) { .lf-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .lf-top { grid-template-columns: 1fr; } }

.lf-brand-col .brand { margin-bottom: 14px; }
.lf-brand-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.55); max-width: 280px; }

.lf-col h4 {
  color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: 0.06em;
  font-family: var(--font-mono); font-weight: 600; margin-bottom: 16px;
}
.lf-col a, .lf-col .lf-static {
  display: block; font-size: 13.5px; color: rgba(255,255,255,0.62); margin-bottom: 11px; line-height: 1.5;
}
.lf-col a:hover { color: var(--gold-light); }

.lf-bottom {
  max-width: 1320px; margin: 0 auto; padding-top: 22px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  font-size: 12.5px; color: rgba(255,255,255,0.4); font-family: var(--font-mono);
}

/* ---------- Business search ---------- */
.header-search{display:flex;align-items:center;gap:7px;margin-right:4px}
.header-search input{width:230px;height:38px;padding:0 13px;border:1px solid #D9DEE9;border-radius:9px;background:#fff;font:500 13px var(--font-body);color:var(--ink);outline:none;box-shadow:0 2px 8px rgba(18,33,61,.04)}
.header-search input:focus{border-color:var(--primary-light);box-shadow:0 0 0 3px rgba(47,75,143,.10)}
.header-search button{height:38px;border:0;border-radius:9px;padding:0 15px;background:var(--primary);color:#fff;font:700 13px var(--font-body);cursor:pointer;transition:background .15s,transform .12s}
.header-search button:hover{background:var(--ink);transform:translateY(-1px)}

.hero-search{width:100%;max-width:610px;margin-top:26px;padding:18px 20px 20px;border:1px solid rgba(255,255,255,.20);border-radius:16px;background:rgba(255,255,255,.97);box-shadow:0 18px 40px rgba(0,0,0,.16)}
.hero-search-label{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px;color:var(--ink)}
.hero-search-row{display:flex;align-items:center;gap:10px;width:100%}
.hero-search-row input{display:block;flex:1 1 auto!important;width:auto!important;min-width:0;height:46px;border:1.5px solid #D9DEE9;border-radius:10px;padding:0 14px;font:500 14px var(--font-body);background:#fff;color:var(--ink);outline:none;box-shadow:none}
.hero-search-row input:focus{border-color:var(--primary-light);box-shadow:0 0 0 3px rgba(47,75,143,.10)}
.hero-search-row .btn,.hero-search-row .btn.btn-primary{display:inline-flex!important;flex:0 0 auto!important;width:auto!important;min-width:145px;height:46px;margin-top:0!important;padding:0 18px;white-space:nowrap}
@media(max-width:1000px){.l-nav{padding-left:2.5%;padding-right:2.5%}.l-nav .links{gap:14px}.header-search input{width:190px}}
@media(max-width:900px){.header-search{display:none}}
@media(max-width:620px){.hero-search{padding:15px}.hero-search-row{flex-direction:column;align-items:stretch}.hero-search-row input{width:100%!important}.hero-search-row .btn,.hero-search-row .btn.btn-primary{width:100%!important}}

.public-dispute-wrap{padding-top:58px;padding-bottom:70px}
.public-dispute-wrap .l-head{max-width:820px;margin:0 auto 28px}
.public-dispute-card{max-width:900px;margin:0 auto}
.dispute-target-box{padding:12px 14px;border-radius:9px;background:var(--paper);border:1px solid var(--line);font-size:12.5px;line-height:1.8}