:root {
    --bg: #f6f8fb;
    --bg-elev: #ffffff;
    --bg-hero: #0f1f3f;
    --text: #172339;
    --text-soft: #4f5d75;
    --accent: #ed1c24;
    --accent-strong: #b41117;
    --line: #d6dbe5;
    --shadow: 0 10px 30px rgba(10, 24, 53, 0.14);
}

:root[data-club="s04"] {
    --bg: #f4f8ff;
    --bg-elev: #ffffff;
    --bg-hero: #004d9d;
    --text: #18263f;
    --text-soft: #4f6385;
    --accent: #004d9d;
    --accent-strong: #003f82;
    --line: #cfd8ea;
    --shadow: 0 10px 30px rgba(13, 44, 98, 0.18);
}

:root[data-theme="dark"] {
    --bg: #0f1524;
    --bg-elev: #171f34;
    --bg-hero: #090f1f;
    --text: #eef3ff;
    --text-soft: #bac5dc;
    --accent: #ff4850;
    --accent-strong: #ff2a34;
    --line: #2d3852;
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.45);
}

:root[data-theme="dark"][data-club="s04"] {
    --bg: #0d1730;
    --bg-elev: #15213f;
    --bg-hero: #081227;
    --text: #eef3ff;
    --text-soft: #b8c8e6;
    --accent: #4d8ed0;
    --accent-strong: #3a79ba;
    --line: #2b3d65;
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.45);
}

* {
    box-sizing: border-box;
}

html,
body {
    margin: 0;
    padding: 0;
}

body {
    font-family: "Barlow", "Segoe UI", sans-serif;
    background: radial-gradient(circle at top right, rgba(237, 28, 36, 0.14), transparent 40%), var(--bg);
    color: var(--text);
    line-height: 1.55;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

.container {
    width: min(1120px, 92vw);
    margin: 0 auto;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 20;
    background: color-mix(in srgb, var(--bg-elev) 85%, transparent);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--line);
}

.external-banner {
    padding: 1rem 0 0;
}

.external-banner-wrap {
    min-height: 64px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem 1.2rem;
    background: var(--bg-elev);
    border: 1px solid var(--line);
    border-radius: 16px;
    box-shadow: var(--shadow);
}

.external-banner-wrap p {
    margin: 0;
    font-weight: 600;
    color: var(--text);
}

.nav-wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    min-height: 76px;
    flex-wrap: wrap;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 0.8rem;
    text-decoration: none;
    color: var(--text);
    font-weight: 700;
}

.brand-logo {
    width: 44px;
    border-radius: 8px;
}

.brand-text {
    font-family: "Outfit", sans-serif;
    letter-spacing: 0.2px;
}

.site-nav {
    display: inline-flex;
    align-items: center;
    gap: 0.9rem;
}

.site-nav a {
    color: var(--text-soft);
    text-decoration: none;
    font-weight: 600;
}

.site-nav a:hover {
    color: var(--text);
}

.nav-login {
    color: var(--accent) !important;
}

.theme-controls {
    display: inline-flex;
    gap: 0.7rem;
    align-items: center;
}

.theme-switch input {
    position: absolute;
    opacity: 0;
}

.switch-ui {
    position: relative;
    width: 52px;
    height: 28px;
    border-radius: 999px;
    background: var(--line);
    display: inline-block;
    cursor: pointer;
}

.switch-ui::after {
    content: "";
    position: absolute;
    top: 3px;
    left: 3px;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--bg-elev);
    transition: transform 0.2s ease;
}

.theme-switch input:checked + .switch-ui::after {
    transform: translateX(24px);
}

.hero {
    position: relative;
    overflow: hidden;
    background: linear-gradient(145deg, var(--bg-hero), color-mix(in srgb, var(--bg-hero) 70%, #1d3360));
    color: #fff;
}

.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: url("../../img/easyCredit BBL_Logo.png") center/contain no-repeat;
    opacity: 0.09;
    pointer-events: none;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background-image: linear-gradient(45deg, rgba(255, 255, 255, 0.06) 25%, transparent 25%),
        linear-gradient(-45deg, rgba(255, 255, 255, 0.04) 25%, transparent 25%);
    background-size: 40px 40px;
    opacity: 0.6;
}

.hero-grid {
    position: relative;
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 2rem;
    padding: 84px 0;
    align-items: center;
}

.eyebrow {
    font-weight: 700;
    color: #ffb8bc;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 0.86rem;
}

.hero h1 {
    font-family: "Outfit", sans-serif;
    font-size: clamp(2rem, 4vw, 3.2rem);
    line-height: 1.1;
    margin: 0.4rem 0 1rem;
}

.hero-copy p {
    max-width: 58ch;
}

.hero-actions {
    margin-top: 1.6rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.8rem;
}

.hero-card {
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.24);
    border-radius: 18px;
    padding: 1.2rem;
    box-shadow: var(--shadow);
}

.hero-card-image {
    width: min(290px, 100%);
    margin: 0 auto 1rem;
    filter: drop-shadow(0 10px 20px rgba(0, 0, 0, 0.2));
}

.info-section {
    padding: 4.8rem 0 2.5rem;
}

.external-banner + .info-section {
    padding-top: 2rem;
}

.split-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.2rem;
}

.panel {
    background: var(--bg-elev);
    border: 1px solid var(--line);
    border-radius: 16px;
    box-shadow: var(--shadow);
    padding: 1.4rem;
}

.panel h2 {
    margin-top: 0;
    font-family: "Outfit", sans-serif;
}

.steps {
    margin: 0 0 1.3rem;
    padding-left: 1.2rem;
}

.steps li {
    margin-bottom: 0.55rem;
}

.faq-section {
    margin-top: 1.2rem;
}

.faq-item {
    border: 1px solid var(--line);
    border-radius: 10px;
    padding: 0.65rem 0.8rem;
    background: color-mix(in srgb, var(--bg-elev) 92%, var(--accent) 8%);
    margin-bottom: 0.65rem;
}

.faq-item summary {
    cursor: pointer;
    font-weight: 700;
}

.faq-item p {
    margin: 0.7rem 0 0;
}

.benefits {
    padding: 1.2rem 0 4rem;
}

.cards {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.benefit-card {
    background: var(--bg-elev);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 1.2rem;
}

.benefit-card h3 {
    margin: 0 0 0.5rem;
}

.cta {
    padding-bottom: 4.5rem;
}

.cta-box {
    border-radius: 18px;
    border: 1px solid var(--line);
    background: linear-gradient(120deg, color-mix(in srgb, var(--accent) 14%, var(--bg-elev)), var(--bg-elev));
    padding: 2.1rem;
    text-align: center;
}

.cta-box h2 {
    margin-top: 0;
    font-family: "Outfit", sans-serif;
}

.site-footer {
    border-top: 1px solid var(--line);
    padding: 1rem 0;
    background: var(--bg-elev);
}

.footer-wrap {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 0.9rem;
    flex-wrap: wrap;
}

.footer-wrap a {
    color: var(--accent);
    text-decoration: none;
    font-weight: 700;
}

.footer-wrap p {
    margin: 0;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    padding: 0.7rem 1rem;
    border: 1px solid transparent;
    text-decoration: none;
    font-weight: 700;
    cursor: pointer;
    font-family: inherit;
}

.btn-primary {
    background: var(--accent);
    color: #fff;
}

.btn-primary:hover {
    background: var(--accent-strong);
}

.btn-secondary {
    border-color: rgba(255, 255, 255, 0.45);
    color: #fff;
}

.panel .btn-secondary {
    color: var(--text);
    border-color: var(--line);
}

.btn-ghost {
    background: var(--bg-elev);
    border: 1px solid var(--line);
    color: var(--text-soft);
    padding: 0.45rem 0.8rem;
}

.btn-ghost:hover {
    color: var(--text);
}

.auto-theme[data-mode="auto"] {
    border-color: var(--accent);
    color: var(--accent);
}

@media (max-width: 980px) {
    .hero-grid,
    .split-layout {
        grid-template-columns: 1fr;
    }

    .hero {
        text-align: left;
    }

    .hero-card {
        max-width: 540px;
    }
}

@media (max-width: 700px) {
    .site-nav {
        width: 100%;
        justify-content: flex-start;
        flex-wrap: wrap;
    }

    .cards {
        grid-template-columns: 1fr;
    }

    .hero-grid {
        padding: 64px 0;
    }

    .theme-controls {
        margin-left: auto;
    }

    .external-banner-wrap {
        flex-direction: column;
        align-items: flex-start;
    }

    .footer-wrap {
        justify-content: center;
        gap: 0.5rem;
    }

    .footer-wrap p {
        width: 100%;
        text-align: center;
        margin-bottom: 0.2rem;
    }

    .footer-wrap a {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        padding: 0.35rem 0.55rem;
        border: 1px solid var(--line);
        border-radius: 999px;
        background: color-mix(in srgb, var(--bg-elev) 88%, transparent);
        line-height: 1.1;
    }
}