/*
Theme: Credilo - Luxury Navy + Gold
Colors: Navy #000080, Gold #FFD700
Font: Lora
*/

/* ===== Reset & Base ===== */
*, *::before, *::after { box-sizing: border-box; }
html { font-family: 'Lora', serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; color: #333; background: #f8f7f4; overflow-x: hidden; font-weight: 400; line-height: 1.7; }
a { color: #000080; text-decoration: none; transition: all .3s; }
a:hover { color: #FFD700; }
img { max-width: 100%; height: auto; display: inline-block; vertical-align: middle; }
p { margin: 0 0 1em; }
h1, h2, h3, h4, h5, h6 { color: #000080; font-family: 'Lora', serif; font-weight: 700; margin: 0 0 .5em; line-height: 1.3; }
h1 { font-size: 2.4rem; }
h2 { font-size: 1.8rem; }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.1rem; }
ul, ol { padding: 0 0 0 1.5em; margin: 0 0 1em; }
ul li, ol li { margin-bottom: .3em; }

/* ===== Container & Grid ===== */
.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.row { display: flex; flex-wrap: wrap; margin: 0 -15px; }
.col { flex: 1; padding: 0 15px; width: 100%; }
.large-12 { max-width: 100%; flex: 0 0 100%; }
.large-9 { max-width: 75%; flex: 0 0 75%; }
.large-8 { max-width: 66.666%; flex: 0 0 66.666%; }
.large-6 { max-width: 50%; flex: 0 0 50%; }
.large-4 { max-width: 33.333%; flex: 0 0 33.333%; }
.large-3 { max-width: 25%; flex: 0 0 25%; }

@media (max-width: 849px) {
    .medium-12 { max-width: 100%; flex: 0 0 100%; }
    .medium-6 { max-width: 50%; flex: 0 0 50%; }
}
@media (max-width: 549px) {
    .small-12 { max-width: 100%; flex: 0 0 100%; }
}
.align-middle { align-items: center; }
.align-center { justify-content: center; }
.text-center { text-align: center; }

/* ===== Section Title with Decorative Lines ===== */
.section-title-wrap {
    text-align: center;
    margin-bottom: 50px;
    position: relative;
}
.section-title {
    font-size: 1.75rem;
    text-transform: uppercase;
    letter-spacing: 3px;
    color: #000080;
    margin: 0;
    display: inline-block;
    position: relative;
    padding: 0 30px;
}
.section-title::before,
.section-title::after {
    content: '';
    position: absolute;
    top: 50%;
    width: 50px;
    height: 2px;
    background: linear-gradient(90deg, transparent, #FFD700);
}
.section-title::before {
    right: 100%;
    background: linear-gradient(90deg, #FFD700, transparent);
}
.section-title::after {
    left: 100%;
    background: linear-gradient(90deg, #FFD700, transparent);
}
.section-subtitle {
    color: #666;
    font-size: 1.05rem;
    margin-top: 10px;
    font-style: italic;
}

/* ===== Header ===== */
.credilo-header {
    width: 100%;
    z-index: 1000;
    position: relative;
}
.credilo-header .header-wrapper {
    background: #fff;
    box-shadow: 0 2px 20px rgba(0,0,128,0.08);
}
.credilo-header .header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 20px;
    max-width: 1140px;
    margin: 0 auto;
}

/* Logo */
.credilo-logo a {
    display: flex;
    flex-direction: column;
    text-decoration: none;
}
.logo-text { line-height: 1; }
.logo-credilo {
    font-size: 1.8rem;
    font-weight: 700;
    color: #000080;
    font-family: 'Lora', serif;
    letter-spacing: 1px;
}
.logo-tagline {
    font-size: 0.65rem;
    color: #FFD700;
    text-transform: uppercase;
    letter-spacing: 4px;
    font-weight: 500;
}

/* Desktop Nav */
.credilo-nav { display: flex; align-items: center; }
.credilo-menu {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    gap: 0;
}
.credilo-menu .menu-item {
    margin: 0;
}
.credilo-menu .menu-item a {
    display: block;
    padding: 10px 18px;
    font-size: 0.85rem;
    font-weight: 600;
    color: #000080;
    letter-spacing: 1px;
    text-transform: uppercase;
    transition: color .3s;
    position: relative;
}
.credilo-menu .menu-item a::after {
    content: '';
    position: absolute;
    bottom: 5px;
    left: 18px;
    right: 18px;
    height: 2px;
    background: #FFD700;
    transform: scaleX(0);
    transition: transform .3s;
}
.credilo-menu .menu-item a:hover,
.credilo-menu .menu-item.current a {
    color: #000080;
}
.credilo-menu .menu-item a:hover::after,
.credilo-menu .menu-item.current a::after {
    transform: scaleX(1);
}

/* CTA Button in Header */
.credilo-cta { margin-left: 15px; }

/* ===== Buttons ===== */
.credilo-btn {
    display: inline-block;
    padding: 14px 35px;
    font-size: 0.9rem;
    font-weight: 700;
    text-align: center;
    border-radius: 0;
    cursor: pointer;
    border: none;
    text-decoration: none;
    transition: all .3s;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    font-family: 'Lora', serif;
}
.credilo-btn-gold {
    background: linear-gradient(135deg, #FFD700 0%, #F0C000 100%);
    color: #000080 !important;
    box-shadow: 0 4px 15px rgba(255,215,0,0.4);
    border: 2px solid #FFD700;
}
.credilo-btn-gold:hover {
    background: linear-gradient(135deg, #F0C000 0%, #D4A800 100%);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(255,215,0,0.5);
}
.credilo-btn-navy {
    background: #000080;
    color: #FFD700 !important;
    box-shadow: 0 4px 15px rgba(0,0,128,0.3);
    border: 2px solid #000080;
}
.credilo-btn-navy:hover {
    background: #000066;
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0,0,128,0.4);
}
.credilo-btn-outline {
    background: transparent;
    color: #000080 !important;
    border: 2px solid #000080;
}
.credilo-btn-outline:hover {
    background: #000080;
    color: #fff !important;
    transform: translateY(-2px);
}

/* ===== Hero Section ===== */
.credilo-hero {
    background: linear-gradient(135deg, #000080 0%, #0000b3 50%, #0000e6 100%);
    padding: 80px 0 0;
    position: relative;
    overflow: hidden;
}
.credilo-hero::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle at 30% 50%, rgba(255,215,0,0.08) 0%, transparent 50%);
    pointer-events: none;
}
.credilo-hero-content {
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
    padding: 0 20px 60px;
    position: relative;
    z-index: 1;
}
.credilo-hero-badge {
    display: inline-block;
    background: rgba(255,215,0,0.15);
    border: 1px solid rgba(255,215,0,0.3);
    color: #FFD700;
    padding: 6px 20px;
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-bottom: 25px;
    font-weight: 600;
}
.credilo-hero h1 {
    font-size: 2.8rem;
    color: #fff;
    margin-bottom: 20px;
    line-height: 1.2;
}
.credilo-hero h1 span.gold {
    color: #FFD700;
}
.credilo-hero p {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.85);
    line-height: 1.8;
    margin-bottom: 35px;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}
.credilo-hero-buttons {
    display: flex;
    gap: 15px;
    justify-content: center;
    flex-wrap: wrap;
}
.credilo-hero-image {
    width: 100%;
    overflow: hidden;
    position: relative;
    z-index: 1;
}
.credilo-hero-image img {
    width: 100%;
    height: auto;
    display: block;
}

/* ===== Features Section ===== */
.credilo-features {
    padding: 80px 0;
    background: #fff;
}
.credilo-features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}
.credilo-feature-card {
    background: #fff;
    border: 2px solid #FFD700;
    padding: 35px 25px;
    text-align: center;
    transition: all .3s;
    position: relative;
}
.credilo-feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 30px rgba(0,0,128,0.1);
}
.credilo-feature-icon {
    width: 60px;
    height: 60px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, #000080, #0000b3);
    display: flex;
    align-items: center;
    justify-content: center;
}
.credilo-feature-icon svg {
    width: 28px;
    height: 28px;
    color: #FFD700;
}
.credilo-feature-card h3 {
    font-size: 1.1rem;
    color: #000080;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 10px;
}
.credilo-feature-card p {
    font-size: 0.9rem;
    color: #666;
    line-height: 1.7;
    margin: 0;
}

/* ===== About Content Section (white bg) ===== */
.credilo-content-section {
    padding: 60px 0;
}
.credilo-content-section.bg-white {
    background: #fff;
}
.credilo-content-section.bg-light {
    background: #f8f7f4;
}
.credilo-content-section h2 {
    color: #000080;
    font-size: 1.6rem;
    margin: 40px 0 20px;
    text-transform: uppercase;
    letter-spacing: 1px;
}
.credilo-content-section h2:first-child {
    margin-top: 0;
}
.credilo-content-section h3 {
    color: #000080;
    font-size: 1.2rem;
    margin: 30px 0 15px;
}
.credilo-content-section p {
    font-size: 0.98rem;
    color: #444;
    line-height: 1.85;
    margin-bottom: 1em;
}
.credilo-content-section ul li,
.credilo-content-section ol li {
    color: #444;
    font-size: 0.95rem;
    line-height: 1.7;
}

/* ===== Gold Cards ===== */
.credilo-card {
    background: #fff;
    border: 2px solid #FFD700;
    padding: 30px;
    transition: all .3s;
    margin-bottom: 20px;
}
.credilo-card:hover {
    box-shadow: 0 8px 25px rgba(255,215,0,0.15);
    transform: translateY(-3px);
}
.credilo-card h3 {
    color: #000080;
    font-size: 1.15rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 15px;
}
.credilo-card p {
    color: #555;
    font-size: 0.92rem;
    line-height: 1.7;
    margin: 0;
}

/* ===== Conditions Grid ===== */
.credilo-conditions {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    margin-top: 30px;
}
.credilo-condition-item {
    text-align: center;
    padding: 25px 20px;
    border: 2px solid #FFD700;
    background: #fff;
}
.credilo-condition-item .cond-icon {
    width: 50px;
    height: 50px;
    margin: 0 auto 15px;
    background: #000080;
    display: flex;
    align-items: center;
    justify-content: center;
}
.credilo-condition-item .cond-icon svg {
    width: 24px;
    height: 24px;
    color: #FFD700;
}
.credilo-condition-item p {
    font-size: 0.9rem;
    color: #444;
    line-height: 1.6;
    margin: 0;
}

/* ===== Loan Terms ===== */
.credilo-terms-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    margin: 30px 0;
}
.credilo-term-card {
    text-align: center;
    padding: 30px 20px;
    border: 2px solid #FFD700;
    background: #fff;
}
.credilo-term-card h4 {
    font-size: 0.85rem;
    color: #FFD700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 10px;
}
.credilo-term-card p {
    font-size: 1rem;
    color: #000080;
    font-weight: 600;
    margin: 0;
    line-height: 1.6;
}

/* ===== FAQ ===== */
.credilo-faq-list { margin: 20px 0; }
.credilo-faq-item {
    background: #fff;
    border: 1px solid #e8e8e8;
    margin-bottom: 12px;
    border-left: 3px solid #FFD700;
    transition: all .3s;
}
.credilo-faq-item:hover {
    border-color: #FFD700;
    box-shadow: 0 4px 15px rgba(255,215,0,0.1);
}
.credilo-faq-question {
    padding: 18px 25px;
    font-size: 1.05rem;
    font-weight: 600;
    color: #000080;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin: 0;
}
.credilo-faq-question::after {
    content: '+';
    font-size: 1.5rem;
    color: #FFD700;
    transition: transform .3s;
}
.credilo-faq-item.active .credilo-faq-question::after {
    content: '−';
}
.credilo-faq-answer {
    padding: 0 25px 18px;
    font-size: 0.92rem;
    color: #555;
    line-height: 1.7;
    display: none;
}
.credilo-faq-item.active .credilo-faq-answer {
    display: block;
}

/* ===== Blog ===== */
.credilo-blog-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    margin: 30px 0;
}
.credilo-blog-card {
    background: #fff;
    border: 2px solid #FFD700;
    padding: 30px;
    transition: all .3s;
}
.credilo-blog-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 30px rgba(255,215,0,0.15);
}
.credilo-blog-card h3 {
    font-size: 1.15rem;
    color: #000080;
    margin-bottom: 8px;
}
.credilo-blog-card h3 a {
    color: #000080;
    text-decoration: none;
}
.credilo-blog-card h3 a:hover {
    color: #FFD700;
}
.credilo-blog-date {
    font-size: 0.8rem;
    color: #999;
    margin-bottom: 10px;
    font-style: italic;
}
.credilo-blog-excerpt {
    font-size: 0.9rem;
    color: #555;
    line-height: 1.7;
    margin-bottom: 15px;
}
.credilo-blog-readmore {
    font-size: 0.85rem;
    font-weight: 600;
    color: #FFD700 !important;
    text-transform: uppercase;
    letter-spacing: 1px;
}
.credilo-blog-readmore:hover {
    color: #D4A800 !important;
}

/* Single Blog Post */
.credilo-single-post h1 {
    font-size: 2rem;
    color: #000080;
    margin-bottom: 10px;
}
.credilo-single-post .post-meta {
    font-size: 0.85rem;
    color: #999;
    margin-bottom: 30px;
    font-style: italic;
}
.credilo-single-post .post-content {
    font-size: 0.98rem;
    color: #444;
    line-height: 1.9;
}
.credilo-single-post .post-content h2 {
    margin-top: 35px;
}

/* ===== Page Content ===== */
.credilo-page {
    padding: 60px 0;
}
.credilo-page h1.page-title {
    font-size: 2rem;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 30px;
    text-align: center;
    position: relative;
    padding-bottom: 15px;
}
.credilo-page h1.page-title::after {
    content: '';
    display: block;
    width: 60px;
    height: 3px;
    background: #FFD700;
    margin: 15px auto 0;
}
.credilo-page-content {
    max-width: 850px;
    margin: 0 auto;
}
.credilo-page-content h2 { margin-top: 35px; }
.credilo-page-content h3 { margin-top: 25px; }
.credilo-page-content p { margin-bottom: 1em; }

/* ===== Contact Page ===== */
.credilo-contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    margin-top: 30px;
}
.credilo-contact-info h3 {
    color: #000080;
    margin-bottom: 15px;
}
.credilo-contact-info p {
    font-size: 0.95rem;
    color: #555;
    line-height: 1.8;
    margin-bottom: 8px;
}
.credilo-contact-form input,
.credilo-contact-form textarea {
    width: 100%;
    padding: 12px 15px;
    border: 1px solid #ddd;
    font-family: 'Lora', serif;
    font-size: 0.92rem;
    margin-bottom: 15px;
    transition: border-color .3s;
}
.credilo-contact-form input:focus,
.credilo-contact-form textarea:focus {
    border-color: #FFD700;
    outline: none;
}

/* ===== Footer ===== */
.credilo-footer {
    background: #000080;
    color: rgba(255,255,255,0.85);
    position: relative;
}
.credilo-footer-wave {
    line-height: 0;
    overflow: hidden;
    margin-bottom: -1px;
}
.credilo-footer-wave svg {
    display: block;
    width: 100%;
    height: 80px;
}
.credilo-footer-content {
    padding: 60px 0 30px;
}
.credilo-footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 50px;
}
.credilo-footer-logo {
    font-size: 1.8rem;
    color: #FFD700;
    margin-bottom: 15px;
    font-weight: 700;
}
.credilo-footer-desc {
    font-size: 0.88rem;
    line-height: 1.7;
    color: rgba(255,255,255,0.7);
}
.credilo-footer-title {
    font-size: 0.9rem;
    color: #FFD700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 20px;
}
.credilo-footer-list {
    list-style: none;
    padding: 0;
    margin: 0;
}
.credilo-footer-list li {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 10px;
    line-height: 1.6;
}
.credilo-footer-list li a {
    color: rgba(255,255,255,0.7);
}
.credilo-footer-list li a:hover {
    color: #FFD700;
}
.credilo-footer-list li strong {
    color: rgba(255,255,255,0.9);
}
.credilo-social {
    display: flex;
    gap: 10px;
}
.credilo-social-icon {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(255,215,0,0.3);
    color: #FFD700 !important;
    transition: all .3s;
}
.credilo-social-icon:hover {
    background: #FFD700;
    color: #000080 !important;
    border-color: #FFD700;
}
.credilo-footer-bottom {
    border-top: 1px solid rgba(255,215,0,0.15);
    padding-top: 25px;
    text-align: center;
}
.credilo-footer-legal p {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.6);
    margin-bottom: 5px;
}
.credilo-footer-copyright p {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.4);
    margin-top: 10px;
}

/* ===== Mobile Menu ===== */
.show-for-medium { display: none !important; }
.hide-for-medium { display: block !important; }

.credilo-hamburger {
    background: none;
    border: none;
    cursor: pointer;
    padding: 10px;
    display: flex;
    flex-direction: column;
    gap: 5px;
}
.credilo-hamburger span {
    display: block;
    width: 25px;
    height: 2px;
    background: #000080;
    transition: all .3s;
}
.credilo-hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.credilo-hamburger.active span:nth-child(2) { opacity: 0; }
.credilo-hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.credilo-mobile-menu {
    position: fixed;
    top: 0;
    right: -300px;
    width: 280px;
    height: 100vh;
    background: #fff;
    z-index: 2000;
    transition: right .3s ease;
    box-shadow: -5px 0 30px rgba(0,0,0,0.1);
    overflow-y: auto;
}
.credilo-mobile-menu.open {
    right: 0;
}
.credilo-mobile-menu-inner {
    padding: 80px 30px 30px;
}
.credilo-mobile-nav {
    list-style: none;
    padding: 0;
    margin: 0;
}
.credilo-mobile-nav li {
    border-bottom: 1px solid #f0f0f0;
}
.credilo-mobile-nav li a {
    display: block;
    padding: 14px 0;
    font-size: 0.95rem;
    color: #000080;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 600;
}
.credilo-mobile-nav li a:hover {
    color: #FFD700;
}
.credilo-mobile-cta {
    margin-top: 25px;
}
.credilo-mobile-cta .credilo-btn {
    width: 100%;
}
.credilo-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,0.5);
    z-index: 1500;
    display: none;
}
.credilo-overlay.open {
    display: block;
}

@media (max-width: 849px) {
    .show-for-medium { display: block !important; }
    .hide-for-medium { display: none !important; }
    
    .credilo-hero h1 { font-size: 1.8rem; }
    .credilo-hero { padding: 50px 0 0; }
    .credilo-hero-content { padding: 0 15px 40px; }
    
    .credilo-features-grid { grid-template-columns: repeat(2, 1fr); gap: 15px; }
    .credilo-conditions { grid-template-columns: 1fr; }
    .credilo-terms-grid { grid-template-columns: 1fr; }
    .credilo-blog-grid { grid-template-columns: 1fr; }
    .credilo-footer-grid { grid-template-columns: 1fr 1fr; }
    .credilo-contact-grid { grid-template-columns: 1fr; }
    .credilo-footer-grid { grid-template-columns: 1fr; gap: 30px; }
    .section-title { font-size: 1.3rem; }
    
    .credilo-hero h1 {
        font-size: 1.5rem;
    }
}

@media (max-width: 549px) {
    .credilo-features-grid { grid-template-columns: 1fr; }
    .credilo-footer-grid { grid-template-columns: 1fr; }
    .credilo-hero h1 { font-size: 1.3rem; }
}

/* ===== Responsive Helpers ===== */
@media (max-width: 849px) {
    .credilo-content-section { padding: 40px 0; }
    .credilo-page { padding: 40px 0; }
}

/* ===== Pagination ===== */
.credilo-pagination {
    text-align: center;
    padding: 30px 0;
}
.credilo-pagination .page-numbers {
    display: inline-block;
    padding: 8px 15px;
    margin: 0 3px;
    border: 1px solid #ddd;
    color: #000080;
    font-size: 0.9rem;
    transition: all .3s;
}
.credilo-pagination .page-numbers.current {
    background: #000080;
    color: #FFD700;
    border-color: #000080;
}
.credilo-pagination .page-numbers:hover {
    border-color: #FFD700;
    color: #FFD700;
}

/* ===== 404 ===== */
.credilo-404 {
    text-align: center;
    padding: 100px 20px;
}
.credilo-404 h1 {
    font-size: 6rem;
    color: #000080;
    margin-bottom: 10px;
}
.credilo-404 h2 {
    font-size: 1.5rem;
    margin-bottom: 20px;
}
.credilo-404 p {
    margin-bottom: 30px;
}