/* ═══════════════════════════════════════════════════════════
   MZANZI FINANCE — COLOUR PALETTE
   ───────────────────────────────────────────────────────────
   Primary    #0E3D59  Deep Ocean Blue   — trust, stability
   Primary-lt #1A6B8A  Medium Blue       — hover states
   Accent     #F5A623  Warm Gold/Amber   — highlights, icons
   CTA        #10B981  Emerald Green     — buttons, success
   CTA-hover  #059669  Dark Emerald
   Dark       #1C2833  Near Black        — headings
   Mid        #2C3E50  Charcoal          — body text
   Muted      #64748B  Slate             — secondary text
   Light-bg   #F4F7F9  Off White         — section backgrounds
   Border     #E2E8F0  Soft grey         — dividers
   ═══════════════════════════════════════════════════════════ */
:root {
    --c-primary:    #0E3D59;
    --c-primary-lt: #1A6B8A;
    --c-accent:     #F5A623;
    --c-cta:        #10B981;
    --c-cta-hover:  #059669;
    --c-dark:       #1C2833;
    --c-mid:        #2C3E50;
    --c-muted:      #64748B;
    --c-light-bg:   #F4F7F9;
    --c-border:     #E2E8F0;
    --c-white:      #FFFFFF;
}

/* ── Reset / Base ─────────────────────────────────────────── */
html {
    height: 100%;
}

body {
    font-family: 'Poppins', sans-serif;
    color: var(--c-mid);
    background-color: var(--c-white);
    min-height: 100%;
    display: flex;
    flex-direction: column;
}

.container {
    max-width: 1200px;
}

/* ── Navbar ───────────────────────────────────────────────── */
.navbar {
    padding: 0.75rem 0;
    background-color: var(--c-white) !important;
    border-bottom: 2px solid var(--c-border);
    box-shadow: 0 2px 8px rgba(14,61,89,0.08);
}

.navbar-brand img {
    height: 50px;
}

.navbar-nav .nav-link {
    color: var(--c-mid);
    font-weight: 500;
    padding: 0.5rem 1rem;
    transition: color 0.25s;
    position: relative;
}

    .navbar-nav .nav-link::after {
        content: '';
        position: absolute;
        bottom: -2px;
        left: 1rem;
        right: 1rem;
        height: 2px;
        background: var(--c-accent);
        transform: scaleX(0);
        transition: transform 0.25s;
    }

    .navbar-nav .nav-link:hover,
    .navbar-nav .nav-link.active {
        color: var(--c-primary);
    }

    .navbar-nav .nav-link:hover::after,
    .navbar-nav .nav-link.active::after {
        transform: scaleX(1);
    }

.apply-now-btn {
    background-color: var(--c-cta);
    border-color: var(--c-cta);
    color: var(--c-white);
    font-weight: 600;
    padding: 0.6rem 1.5rem;
    border-radius: 25px;
    transition: background-color 0.25s, border-color 0.25s, box-shadow 0.25s;
    letter-spacing: 0.03em;
}

    .apply-now-btn:hover {
        background-color: var(--c-cta-hover);
        border-color: var(--c-cta-hover);
        color: var(--c-white);
        box-shadow: 0 4px 12px rgba(16,185,129,0.35);
    }

/* ── Main content ─────────────────────────────────────────── */
main {
    flex: 1 0 auto;
    padding: 0;
}

/* ── Footer ───────────────────────────────────────────────── */
.footer {
    background-color: var(--c-primary);
    color: rgba(255,255,255,0.75);
    padding: 3rem 0;
    margin-top: 0;
    flex-shrink: 0;
}

    .footer h5 {
        font-weight: 600;
        color: var(--c-accent);
        margin-bottom: 1.25rem;
    }

    .footer p,
    .footer address {
        color: rgba(255,255,255,0.65);
    }

    .footer a {
        color: rgba(255,255,255,0.65);
        text-decoration: none;
        transition: color 0.25s;
    }

        .footer a:hover {
            color: var(--c-accent);
        }

    .footer hr {
        border-color: rgba(255,255,255,0.15);
    }

    .footer .list-unstyled li {
        margin-bottom: 0.5rem;
    }

    .footer .text-center p {
        color: rgba(255,255,255,0.5);
        font-size: 0.85rem;
        margin: 0;
    }

/* ── Section helpers ──────────────────────────────────────── */
.section-alt {
    background-color: var(--c-light-bg);
}

/* ── Homepage ─────────────────────────────────────────────── */
.hero-section {
    background: linear-gradient(135deg, rgba(14,61,89,0.88) 0%, rgba(16,185,129,0.55) 100%),
                url('/images/hero-background.jpg') no-repeat center center;
    background-size: cover;
    padding: 10rem 0;
    color: var(--c-white);
}

    .hero-section h1 {
        color: var(--c-white);
        font-weight: 700;
        text-shadow: 0 2px 8px rgba(0,0,0,0.3);
    }

    .hero-section .lead {
        color: rgba(255,255,255,0.85);
    }

    .hero-section .btn-primary {
        background-color: var(--c-accent);
        border-color: var(--c-accent);
        color: var(--c-dark);
        font-weight: 700;
        padding: 0.85rem 2.5rem;
        border-radius: 30px;
        transition: all 0.25s;
    }

        .hero-section .btn-primary:hover {
            background-color: #e08e0b;
            border-color: #e08e0b;
            box-shadow: 0 6px 18px rgba(245,166,35,0.45);
        }

.how-it-works-section,
.why-choose-us-section,
.final-cta-section {
    padding: 5rem 0;
}

.step-card,
.feature-card {
    padding: 2rem;
    border-radius: 10px;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    background: var(--c-white);
    border: 1px solid var(--c-border);
}

    .step-card:hover,
    .feature-card:hover {
        transform: translateY(-8px);
        box-shadow: 0 12px 28px rgba(14,61,89,0.12);
        border-color: var(--c-primary-lt);
    }

    .step-card .step-number {
        width: 48px;
        height: 48px;
        border-radius: 50%;
        background: var(--c-primary);
        color: var(--c-white);
        display: flex;
        align-items: center;
        justify-content: center;
        font-weight: 700;
        font-size: 1.2rem;
        margin-bottom: 1rem;
    }

    .feature-card .feature-icon {
        font-size: 2rem;
        color: var(--c-accent);
        margin-bottom: 1rem;
    }

.section-title {
    color: var(--c-primary);
    font-weight: 700;
}

.section-title span {
    color: var(--c-accent);
}

.final-cta-section {
    background: linear-gradient(135deg, var(--c-primary), var(--c-primary-lt));
    color: var(--c-white);
}

    .final-cta-section h2 {
        color: var(--c-white);
    }

    .final-cta-section p {
        color: rgba(255,255,255,0.8);
    }

/* ── Terms page ───────────────────────────────────────────── */
.terms-container {
    padding: 2rem 1rem;
}

    .terms-container h2 {
        margin-top: 2rem;
        margin-bottom: 1rem;
        font-size: 1.75rem;
        color: var(--c-primary);
        border-left: 4px solid var(--c-accent);
        padding-left: 0.75rem;
    }

    .terms-container p {
        line-height: 1.7;
        margin-bottom: 1rem;
        color: var(--c-mid);
    }

    .terms-container ul {
        padding-left: 2rem;
    }

        .terms-container ul li {
            margin-bottom: 0.5rem;
            color: var(--c-mid);
        }

/* ── Apply wizard ─────────────────────────────────────────── */
.apply-container {
    max-width: 820px;
    margin: 2rem auto;
    padding: 2rem;
    background-color: var(--c-white);
    border-radius: 10px;
    box-shadow: 0 4px 20px rgba(14,61,89,0.1);
}

.btn-container {
    display: flex;
    justify-content: space-between;
    margin-top: 1.5rem;
    gap: 1rem;
}

/* ── Utility ──────────────────────────────────────────────── */
.text-accent   { color: var(--c-accent) !important; }
.text-primary-brand { color: var(--c-primary) !important; }
.bg-primary-brand   { background-color: var(--c-primary) !important; }
.bg-accent     { background-color: var(--c-accent) !important; }