/* SMT Commercial Finance - modern static stylesheet (v2)
   Colour scheme and font family kept from v1 */
:root {
  --navy: #14305a;
  --navy-deep: #0d2142;
  --blue: #1f5aa6;
  --gold: #e0a526;
  --light: #f3f6fa;
  --text: #2b2f36;
  --muted: #6b7380;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(20, 48, 90, .10);
  --font: "Segoe UI", Helvetica, Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font); color: var(--text); line-height: 1.6; background: #fff; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.2; margin: 0 0 .6rem; letter-spacing: -.01em; }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
.container { width: min(1140px, 92%); margin: 0 auto; }
section { padding: 5rem 0; }
section.alt { background: var(--light); }
.center { text-align: center; margin-top: 2.5rem; }
.small { font-size: .9rem; }

/* Buttons */
.btn { display: inline-block; background: var(--gold); color: #1a1a1a; padding: .9rem 1.7rem; border-radius: 999px; text-decoration: none; font-weight: 700; border: 2px solid var(--gold); cursor: pointer; font: inherit; font-weight: 700; transition: transform .15s, box-shadow .15s; }
.btn:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(224, 165, 38, .35); }
.btn-sm { padding: .55rem 1.2rem; font-size: .9rem; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .7); }
.btn-ghost:hover { background: rgba(255, 255, 255, .12); box-shadow: none; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; box-shadow: none; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .92); backdrop-filter: blur(10px); border-bottom: 1px solid rgba(20, 48, 90, .08); }
.bar { display: flex; align-items: center; justify-content: space-between; padding: .7rem 0; gap: 1rem; }
.logo img { height: 56px; width: auto; }
.nav { display: flex; align-items: center; gap: 1.8rem; }
.nav a:not(.btn) { text-decoration: none; color: var(--navy); font-weight: 600; font-size: .95rem; position: relative; padding: .3rem 0; }
.nav a:not(.btn)::after { content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 2px; background: var(--gold); transition: width .2s; }
.nav a:not(.btn):hover::after, .nav a.active::after { width: 100%; }
.menu-toggle, .burger { display: none; }

/* Hero */
.hero { position: relative; color: #fff; padding: 8rem 0 7rem; background: linear-gradient(180deg, rgba(13, 33, 66, .78), rgba(20, 48, 90, .72)), var(--hero) center/cover no-repeat, var(--navy); }
.hero .container { max-width: 860px; text-align: center; }
.hero h1 { color: #fff; font-size: clamp(2.2rem, 5.5vw, 3.8rem); margin-bottom: 1rem; }
.hero-sm { padding: 5rem 0; }
.hero-sm h1 { font-size: clamp(2rem, 4.5vw, 3rem); margin-bottom: .4rem; }
.hero p { font-size: 1.2rem; margin: 0; color: rgba(255, 255, 255, .9); }
.eyebrow { text-transform: uppercase; letter-spacing: .18em; font-size: .8rem !important; color: var(--gold) !important; font-weight: 700; margin-bottom: 1rem !important; }
.hero-sub { margin-bottom: 2rem !important; }
.actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; margin-top: 2rem; }
.hero .actions { margin-top: 0; }

/* Feature strip */
.strip { padding: 0; margin-top: -2.5rem; position: relative; z-index: 2; }
.strip-grid { display: grid; grid-template-columns: repeat(3, 1fr); background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.strip-grid div { padding: 1.6rem; text-align: center; border-right: 1px solid #e8edf4; }
.strip-grid div:last-child { border-right: 0; }
.strip-grid strong { display: block; color: var(--navy); font-size: 1.2rem; }
.strip-grid span { color: var(--muted); font-size: .95rem; }

/* Section head */
.section-head { text-align: center; max-width: 640px; margin: 0 auto 3rem; }
.section-head p { color: var(--muted); font-size: 1.1rem; margin: 0; }

/* Cards */
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.6rem; }
.grid-3 { grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); }
.card { display: block; background: #fff; border-radius: var(--radius); overflow: hidden; text-decoration: none; color: inherit; box-shadow: var(--shadow); transition: transform .2s, box-shadow .2s; }
.card:hover { transform: translateY(-6px); box-shadow: 0 18px 40px rgba(20, 48, 90, .18); }
.card img { width: 100%; height: 190px; object-fit: cover; }
.card div { padding: 1.3rem 1.4rem 1.5rem; }
.card h3 { font-size: 1.2rem; }
.card p { margin: 0; color: var(--muted); font-size: .98rem; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 3.5rem; align-items: center; }
.split p { color: var(--muted); font-size: 1.1rem; }
.photo img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; height: 360px; object-fit: cover; }
.chips { list-style: none; padding: 0; margin: 1.5rem 0 0; display: flex; flex-wrap: wrap; gap: .6rem; }
.chips li { background: #fff; color: var(--navy); border: 1px solid #d9e2ee; padding: .45rem 1rem; border-radius: 999px; font-weight: 600; font-size: .92rem; }

/* Reviews */
.review { margin: 0; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 2rem 1.8rem; border-top: 4px solid var(--gold); display: flex; flex-direction: column; justify-content: space-between; gap: 1.4rem; }
.review blockquote { margin: 0; font-size: 1.05rem; color: var(--text); }
.review figcaption strong { display: block; color: var(--navy); }
.review figcaption span { color: var(--muted); font-size: .9rem; }

/* CTA */
.cta { background: linear-gradient(135deg, var(--navy-deep), var(--blue)); color: #fff; text-align: center; }
.cta h2 { color: #fff; }
.cta p { color: rgba(255, 255, 255, .85); font-size: 1.15rem; margin: 0; }
.center-actions { justify-content: center; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 2rem; align-items: start; }
.panel { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 2.2rem; }
.panel.dark { background: var(--navy); color: #fff; }
.panel.dark h2, .panel.dark h3 { color: #fff; }
.panel.dark a:not(.btn) { color: #fff; }
.detail { display: flex; gap: 1rem; align-items: flex-start; margin-bottom: 1.4rem; }
.detail img { width: 30px; flex: none; margin-top: .2rem; }
.detail h3 { font-size: 1rem; margin-bottom: .1rem; }
form.contact label { display: block; font-weight: 600; margin: 1rem 0 .3rem; font-size: .92rem; color: var(--navy); }
form.contact input, form.contact textarea { width: 100%; padding: .8rem 1rem; border: 1px solid #cfd8e4; border-radius: 10px; font: inherit; background: var(--light); }
form.contact input:focus, form.contact textarea:focus { outline: 2px solid var(--blue); background: #fff; }
form.contact textarea { min-height: 130px; resize: vertical; }
form.contact .row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
form.contact .btn { margin-top: 1.5rem; }

/* Legal text */
.legal { max-width: 860px; }
.legal h2 { font-size: 1.4rem; margin-top: 2rem; }
.legal table { border-collapse: collapse; width: 100%; margin: 1rem 0; }
.legal th, .legal td { border: 1px solid #d8dde5; padding: .6rem .8rem; text-align: left; vertical-align: top; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #c9d4e6; padding-top: 3.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 2rem; padding-bottom: 2.5rem; }
.footer-logo { height: 54px; width: auto; background: #fff; padding: .4rem .7rem; border-radius: 8px; margin-bottom: 1rem; }
.site-footer h4 { color: #fff; font-size: 1rem; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.site-footer p { margin: 0 0 .6rem; }
.legal-line { border-top: 1px solid rgba(255, 255, 255, .15); padding: 1.4rem 0 2rem; font-size: .82rem; color: #9fb0cb; }

@media (max-width: 860px) {
  section { padding: 3.5rem 0; }
  .split, .contact-grid, .footer-grid, .strip-grid { grid-template-columns: 1fr; }
  .strip-grid div { border-right: 0; border-bottom: 1px solid #e8edf4; }
  .strip-grid div:last-child { border-bottom: 0; }
  .hero { padding: 5rem 0 6rem; }
  form.contact .row { grid-template-columns: 1fr; }
  .burger { display: flex; flex-direction: column; gap: 5px; cursor: pointer; padding: .5rem; }
  .burger span { width: 26px; height: 3px; background: var(--navy); border-radius: 2px; }
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; flex-direction: column; align-items: flex-start; padding: 1.2rem 4%; gap: 1rem; box-shadow: 0 12px 20px rgba(0, 0, 0, .08); }
  .menu-toggle:checked ~ .nav { display: flex; }
  .site-header { position: sticky; }
}