/* ===========================================================
   Atlas Financial Bank - public site styles
   Palette: crimson red + charcoal on off-white
   =========================================================== */
:root{
  --red:#B91C1C;
  --red-deep:#7F1D1D;
  --red-800:#991B1B;
  --red-mid:#DC2626;
  --red-light:#EF4444;
  --red-soft:#FEE2E2;
  --charcoal:#1C1C1E;
  --charcoal-800:#2C2C2E;
  --charcoal-mid:#3A3A3C;
  --ink:#1C1C1E;
  --slate:#6B7280;
  --line:#E5E7EB;
  --bg:#F9FAFB;
  --white:#ffffff;
  --green:#15803D;
  --radius:14px;
  --radius-lg:20px;
  --shadow:0 16px 48px rgba(28,28,30,.12);
  --shadow-sm:0 4px 16px rgba(28,28,30,.07);
  --shadow-card:0 2px 8px rgba(28,28,30,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:hidden}
body{
  margin:0;
  overflow-x:hidden;
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Playfair Display','Georgia',serif;color:var(--charcoal);line-height:1.18;margin:0 0 .5em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{width:min(1160px,92%);margin:0 auto;max-width:100%}

/* eyebrow */
.eyebrow{
  font-family:'Inter',sans-serif;
  font-weight:600;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;
  color:var(--red-800);display:inline-flex;align-items:center;gap:.55rem;margin-bottom:.9rem;
}
/* eyebrow dash removed */

/* buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:'Inter',sans-serif;font-weight:600;font-size:.92rem;
  padding:.82rem 1.6rem;border-radius:8px;border:1.5px solid transparent;
  cursor:pointer;transition:.2s ease;white-space:nowrap;
}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:var(--red-800);transform:translateY(-1px);box-shadow:0 6px 20px rgba(185,28,28,.35)}
.btn-navy{background:var(--charcoal);color:#fff}
.btn-navy:hover{background:var(--charcoal-800)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.1)}
.btn-outline{background:transparent;border-color:var(--charcoal);color:var(--charcoal)}
.btn-outline:hover{background:var(--charcoal);color:#fff}
.btn-nav{background:var(--charcoal);color:#fff!important;padding:.58rem 1.2rem;font-size:.86rem;border:1.5px solid var(--charcoal);border-radius:7px}
.btn-nav:hover{background:var(--red);color:#fff!important;border-color:var(--red)}
.btn-nav-reg{font-family:"Inter",sans-serif;font-weight:600;font-size:.86rem;color:var(--charcoal);padding:.58rem 1rem;border-radius:7px;border:1.5px solid var(--line);background:transparent;display:inline-flex;align-items:center}
.btn-nav-reg:hover{border-color:var(--charcoal);background:var(--bg)}
.btn-block{width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);transition:.25s}
.site-header.scrolled{box-shadow:var(--shadow-sm)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:.75rem 0}
.brand img{display:block;height:40px}
.site-nav{display:flex;align-items:center;gap:1.6rem}
.site-nav a{font-family:'Inter',sans-serif;font-weight:500;font-size:.9rem;color:var(--slate);transition:.2s}
.site-nav a:not(.btn):not(.btn-nav):not(.btn-nav-reg):hover{color:var(--charcoal)}
.site-nav a.active:not(.btn){color:var(--charcoal);font-weight:600}
.site-nav a.active:not(.btn)::after{content:"";display:block;height:2px;background:var(--red);margin-top:3px;border-radius:2px}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{width:22px;height:2px;background:var(--charcoal);border-radius:2px;transition:.2s}

/* flash */
.flash{margin:1rem 0;padding:.9rem 1.2rem;border-radius:9px;font-size:.9rem;font-weight:500}
.flash-success{background:#DCFCE7;color:#166534;border:1px solid #BBF7D0}
.flash-error{background:#FEE2E2;color:#991B1B;border:1px solid #FCA5A5}

/* hero */
.hero{
  position:relative;overflow:hidden;color:#fff;
  background:
    linear-gradient(155deg,rgba(28,28,30,.96) 0%,rgba(44,44,46,.88) 50%,rgba(127,29,29,.82) 100%),
    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&q=80&auto=format&fit=crop') center/cover no-repeat;
}
.hero::after{
  content:"";position:absolute;inset:0;
  background:radial-gradient(ellipse 65% 55% at 65% 55%, rgba(185,28,28,.12) 0%, transparent 70%);
  pointer-events:none;
}
.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1fr;gap:2rem;align-items:center;padding:4rem 0 4.5rem}
.hero-img-wrap{display:none}
.hero h1{color:#fff;font-size:clamp(2.2rem,4.4vw,3.5rem);font-weight:700;letter-spacing:-.01em;font-family:'Playfair Display',Georgia,serif}
.hero h1 .gold{color:#FCA5A5}
.hero p.lead{color:#D1D5DB;font-size:1.08rem;max-width:34rem;margin:1.1rem 0 2rem}
.hero-cta{display:flex;gap:.9rem;flex-wrap:wrap}
.hero-trust{margin-top:2.2rem;display:flex;align-items:center;gap:.9rem;color:#9CA3AF;font-size:.88rem}
.hero-trust strong{color:#fff;font-family:'Inter',sans-serif;font-weight:600}

/* section shells */
.section{padding:4.5rem 0}
.section-head{max-width:42rem;margin-bottom:2.4rem}
.section-head.center{margin:0 auto 2.6rem;text-align:center}
.section-head h2{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700}
.section-head p{color:var(--slate);font-size:1.02rem;margin-top:.55rem}
.section-alt{background:var(--white)}

/* about split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:center}
.about-visual{position:relative;border-radius:var(--radius-lg);overflow:hidden;min-height:340px;
  background:linear-gradient(160deg,var(--charcoal-mid),var(--charcoal));display:flex;align-items:flex-end;padding:2rem}
.about-visual .years{color:#fff}
.about-visual .years b{font-family:'Playfair Display',Georgia,serif;font-size:3rem;font-weight:700;color:#FCA5A5;display:block;line-height:1}
.about-visual .badge{position:absolute;top:2rem;right:2rem;width:110px;height:110px;border-radius:50%;
  border:2px dashed rgba(252,165,165,.45);display:flex;align-items:center;justify-content:center;text-align:center;
  color:#FCA5A5;font-family:'Inter',sans-serif;font-weight:600;font-size:.78rem;letter-spacing:.04em}
.about-list{margin:1.3rem 0 0;padding:0;list-style:none}
.about-list li{display:flex;gap:.8rem;padding:.5rem 0;color:var(--ink);font-size:.95rem}
.about-list li::before{content:"";flex:0 0 20px;height:20px;border-radius:50%;margin-top:2px;
  background:var(--red-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='none' stroke='%23991B1B' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M2 6l3 3 5-5'/%3E%3C/svg%3E") center/12px no-repeat}

/* loan cards grid */
.card-grid-3{grid-template-columns:repeat(3,1fr)!important}
.card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem}
.lcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;transition:.22s;position:relative;box-shadow:var(--shadow-card)}
.lcard:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--red-soft)}
.lcard .ic{width:46px;height:46px;border-radius:10px;background:var(--red-soft);display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.lcard .ic svg{width:22px;height:22px;stroke:var(--red-800);fill:none;stroke-width:1.7}
.lcard h3{font-size:1.05rem;font-family:'Inter',sans-serif;font-weight:700;color:var(--charcoal)}
.lcard p{color:var(--slate);font-size:.9rem;margin:.3rem 0 .9rem}
.lcard .more{font-family:'Inter',sans-serif;font-weight:600;font-size:.83rem;color:var(--red-800);display:inline-flex;gap:.3rem}
.lcard .more:hover{color:var(--charcoal)}

/* stats band */
.stats{background:linear-gradient(155deg,var(--charcoal),var(--charcoal-800));color:#fff}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;padding:3rem 0;text-align:center}
.stats .stat b{font-family:'Playfair Display',Georgia,serif;font-size:2.3rem;font-weight:700;color:#FCA5A5;display:block}
.stats .stat span{color:#9CA3AF;font-size:.87rem;letter-spacing:.05em;margin-top:.2rem;display:block}

/* process */
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem;counter-reset:step}
.pstep{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem 1.35rem;position:relative;box-shadow:var(--shadow-card)}
.pstep .num{counter-increment:step;font-family:'Inter',sans-serif;font-weight:700;font-size:.9rem;
  color:var(--red-800);width:38px;height:38px;border-radius:9px;background:var(--red-soft);
  display:flex;align-items:center;justify-content:center;margin-bottom:.9rem}
.pstep .num::before{content:"0" counter(step)}
.pstep h4{font-size:1rem;font-family:'Inter',sans-serif;font-weight:700;color:var(--charcoal)}
.pstep p{color:var(--slate);font-size:.88rem;margin:.3rem 0 0}

/* testimonials */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
.tcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow-card)}
.tcard .quote{color:var(--ink);font-size:.97rem;margin:0 0 1.1rem;line-height:1.7}
.tcard .who{display:flex;align-items:center;gap:.75rem}
.tcard .avatar{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--red-800),var(--red));
  color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Inter',sans-serif;font-weight:700;font-size:.78rem}
.tcard .who b{display:block;font-family:'Inter',sans-serif;font-weight:700;color:var(--charcoal);font-size:.9rem}
.tcard .who span{font-size:.8rem;color:var(--slate)}
.tcard .stars{color:var(--red);letter-spacing:2px;margin-bottom:.65rem;font-size:.9rem}

/* CTA strip */
.cta-strip{background:linear-gradient(125deg,var(--charcoal) 0%,var(--charcoal-800) 100%);border-radius:var(--radius-lg);
  padding:2.5rem;display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap;
  box-shadow:0 12px 40px rgba(28,28,30,.22)}
.cta-strip h2{color:#fff;margin:0;font-family:'Playfair Display',Georgia,serif}
.cta-strip p{color:#9CA3AF;margin:.3rem 0 0}

/* page hero */
.page-hero{background:linear-gradient(155deg,var(--charcoal),var(--red-deep));color:#fff;padding:3.2rem 0;overflow:hidden}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,3.4vw,2.6rem);font-family:'Playfair Display',Georgia,serif}
.page-hero p{color:#D1D5DB;max-width:40rem;margin:.4rem 0 0}
.page-hero .crumb{color:#9CA3AF;font-size:.83rem;margin-bottom:.65rem}
.page-hero .crumb a{color:#FCA5A5}

/* forms */
.form-wrap{display:grid;grid-template-columns:1fr .8fr;gap:2.5rem;align-items:start}
.card-panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow-sm)}
.card-panel h2{font-size:1.4rem}
.field{margin-bottom:1.05rem}
.field label{display:block;font-family:'Inter',sans-serif;font-weight:600;font-size:.83rem;color:var(--charcoal);margin-bottom:.35rem}
.field input,.field select,.field textarea{
  width:100%;padding:.78rem .92rem;border:1.5px solid var(--line);border-radius:8px;
  font-family:'Inter',sans-serif;font-size:.93rem;color:var(--ink);background:#fff;transition:.15s;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(185,28,28,.1)}
.field textarea{resize:vertical;min-height:110px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.form-note{font-size:.8rem;color:var(--slate);margin-top:.35rem}
.aside-panel{background:var(--charcoal);color:#fff;border-radius:var(--radius);padding:1.8rem}
.aside-panel h3{color:#fff;font-family:'Playfair Display',Georgia,serif}
.aside-panel ul{list-style:none;padding:0;margin:1rem 0 0}
.aside-panel li{display:flex;gap:.7rem;padding:.5rem 0;color:#D1D5DB;font-size:.9rem;border-bottom:1px solid rgba(255,255,255,.07)}
.aside-panel li:last-child{border:0}
.aside-panel li b{color:#FCA5A5;font-weight:600}

/* confirm */
.confirm{max-width:620px;margin:0 auto;text-align:center;background:var(--white);border:1px solid var(--line);
  border-radius:var(--radius);padding:3rem 2rem;box-shadow:var(--shadow-sm)}
.confirm .tick{width:72px;height:72px;border-radius:50%;background:#DCFCE7;margin:0 auto 1.2rem;
  display:flex;align-items:center;justify-content:center}
.confirm .tick svg{width:36px;height:36px;stroke:var(--green);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}

/* auth card */
.auth-shell{min-height:calc(100vh - 72px);display:grid;grid-template-columns:1fr 1fr}
.auth-visual{background:linear-gradient(160deg,var(--charcoal),var(--red-deep));color:#fff;padding:3.5rem;display:flex;flex-direction:column;justify-content:center}
.auth-visual h2{color:#fff;font-size:1.9rem;max-width:22rem;font-family:'Playfair Display',Georgia,serif}
.auth-visual p{color:#D1D5DB;max-width:26rem}
.auth-visual .points{margin-top:1.5rem;display:flex;flex-direction:column;gap:.75rem}
.auth-visual .points span{display:flex;gap:.7rem;align-items:center;color:#D1D5DB;font-size:.92rem}
.auth-visual .points span::before{content:"";width:16px;height:16px;border-radius:50%;background:var(--red);flex-shrink:0}
.auth-form-side{display:flex;align-items:center;justify-content:center;padding:2.5rem}
.auth-box{width:min(420px,100%)}

/* footer */
.site-footer{background:var(--charcoal);color:#9CA3AF;padding:3.5rem 0 1.5rem;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:2rem}
.footer-brand p{margin-top:.9rem;font-size:.9rem;max-width:22rem;color:#6B7280}
.footer-col h4{color:#fff;font-size:.9rem;font-family:'Inter',sans-serif;font-weight:700;margin-bottom:.9rem}
.footer-col a{display:block;color:#6B7280;font-size:.88rem;padding:.25rem 0;transition:.15s}
.footer-col a:hover{color:#FCA5A5}
.footer-base{display:flex;justify-content:space-between;align-items:center;border-top:1px solid rgba(255,255,255,.07);
  margin-top:2.2rem;padding-top:1.2rem;font-size:.83rem;color:#4B5563}
.footer-legal a{color:#4B5563}.footer-legal a:hover{color:#FCA5A5}

/* responsive */
@media(min-width:961px){
  .hero-inner{grid-template-columns:1.1fr .9fr;gap:3rem;padding:5rem 0 5.5rem}
  .hero-img-wrap{display:flex;align-items:center}
}
@media(max-width:960px){
  .split,.form-wrap,.auth-shell{grid-template-columns:1fr}
  .card-grid,.process{grid-template-columns:1fr 1fr}
  .card-grid-3{grid-template-columns:1fr 1fr!important}
  .stats .wrap,.tgrid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .auth-visual{display:none}
  .cta-strip{flex-direction:column;text-align:center}
}
@media(max-width:640px){
  .nav-toggle{display:flex}
  .site-nav{
    position:fixed;inset:64px 0 auto 0;background:#fff;
    flex-direction:column;align-items:stretch;
    gap:0;padding:.9rem 1.1rem;border-bottom:1px solid var(--line);
    transform:translateY(-140%);transition:.28s ease;box-shadow:var(--shadow);
    z-index:49;
  }
  body.nav-open .site-nav{transform:translateY(0)}
  .site-nav a:not(.btn-nav):not(.btn-nav-reg){padding:.7rem 0;border-bottom:1px solid var(--line);display:block;color:var(--ink)}
  .site-nav .btn-nav,.site-nav .btn-nav-reg{margin-top:.5rem;text-align:center;display:block;border-radius:8px}
  .site-nav .btn-nav-reg{margin-bottom:.3rem}
  .hero h1{font-size:clamp(1.85rem,8vw,2.5rem)}
  .hero p.lead{font-size:.97rem}
  .hero-inner{padding:2.8rem 0 3rem}
  .card-grid,.card-grid-3,.process,.stats .wrap,.tgrid,.grid-2,.footer-grid{grid-template-columns:1fr!important}
  .section{padding:2.8rem 0}
  .form-wrap{gap:1.4rem}
  .aside-panel{padding:1.4rem}
  .auth-form-side{padding:1.5rem 1rem}
  .cta-strip{flex-direction:column;text-align:center;padding:1.7rem 1.3rem}
  .cta-strip div:last-child{justify-content:center}
  .footer-grid{grid-template-columns:1fr}
  .footer-base{flex-direction:column;gap:.5rem;text-align:center}
  .eyebrow{font-size:.68rem}
}