/* Fundmerica Content Machine — site theme
 * Matched to fundmerica.com (WordPress "finance" theme):
 * Palette: navy #02225b, red #d40e31, light #f5f5f5
 * Fonts: Open Sans (body) + Raleway (headings)
 */
@import url('https://fonts.googleapis.com/css2?family=Open+Sans:wght@400;600;700&family=Raleway:wght@400;600;700;800&display=swap');

:root {
  --navy: #02225b;
  --navy-dark: #011742;
  --navy-light: #103d68;
  --red: #d40e31;
  --red-dark: #b00a26;
  --red-light: #ef1e42;
  --grey-700: #313131;
  --grey-500: #717e95;
  --grey-300: #c8ccd1;
  --grey-100: #f5f5f5;
  --grey-50: #fafafa;
  --text: #313131;
  --text-muted: #717e95;
  --bg: #ffffff;
  --shadow-sm: 0 1px 3px rgba(2, 34, 91, 0.08);
  --shadow-md: 0 4px 16px rgba(2, 34, 91, 0.12);
  --shadow-lg: 0 12px 40px rgba(2, 34, 91, 0.18);
  --content-width: 760px;
  --max-width: 1200px;
  --radius: 4px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  margin: 0;
  line-height: 1.7;
  font-size: 15px;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5, h6 {
  font-family: 'Raleway', 'Open Sans', sans-serif;
  color: var(--navy);
  line-height: 1.25;
  margin-top: 0;
  font-weight: 800;
  letter-spacing: -0.01em;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

a { color: var(--red); text-decoration: none; }
a:hover { color: var(--red-dark); text-decoration: underline; }

/* ------------------- TOP BAR ------------------- */
.top-bar {
  background: var(--navy);
  color: #fff;
  padding: 10px 0;
  font-size: 13px;
  border-bottom: 2px solid var(--red);
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.top-bar .tagline { color: rgba(255, 255, 255, 0.85); font-weight: 600; }
.top-bar .top-nav a {
  color: #fff;
  margin-left: 22px;
  font-weight: 600;
  letter-spacing: 0.3px;
}
.top-bar .top-nav a:hover { color: var(--red-light); text-decoration: none; }

/* ------------------- HEADER ------------------- */
.site-header {
  background: #fff;
  padding: 18px 0;
  border-bottom: 1px solid #eee;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}
.logo { flex-shrink: 0; display: block; }
.logo img {
  display: block;
  height: 52px;
  width: auto;
}
.main-nav {
  display: flex;
  gap: 28px;
  align-items: center;
}
.main-nav a {
  color: var(--navy);
  font-family: 'Raleway', sans-serif;
  font-weight: 700;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 8px 0;
  border-bottom: 2px solid transparent;
  transition: all 0.2s;
}
.main-nav a:hover {
  color: var(--red);
  text-decoration: none;
  border-bottom-color: var(--red);
}
.main-nav .btn { border: none; text-transform: uppercase; }

/* ------------------- BUTTONS ------------------- */
.btn {
  display: inline-block;
  padding: 13px 30px;
  font-family: 'Raleway', sans-serif;
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  text-align: center;
  text-decoration: none !important;
  transition: all 0.2s ease;
}
.btn-primary {
  background: var(--red);
  color: #fff !important;
  border-color: var(--red);
}
.btn-primary:hover {
  background: var(--red-dark);
  border-color: var(--red-dark);
  color: #fff !important;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(212, 14, 49, 0.35);
}
.btn-navy {
  background: var(--navy);
  color: #fff !important;
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-dark); border-color: var(--navy-dark); color: #fff !important; }
.btn-outline-white {
  background: transparent;
  color: #fff !important;
  border-color: #fff;
}
.btn-outline-white:hover { background: #fff; color: var(--navy) !important; }
.btn-secondary { background: var(--grey-100); color: var(--text); }
.btn-large { padding: 16px 40px; font-size: 14px; }
.btn-block { display: block; width: 100%; }

/* ------------------- HERO ------------------- */
.page-hero {
  background: linear-gradient(135deg, rgba(2, 34, 91, 0.95) 0%, rgba(16, 61, 104, 0.95) 100%),
              url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 600'><rect fill='%23022' width='1200' height='600'/><g fill='%23fff' fill-opacity='0.04'><circle cx='200' cy='150' r='80'/><circle cx='1000' cy='450' r='120'/></g></svg>");
  background-size: cover;
  background-position: center;
  color: #fff;
  padding: 70px 0 90px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--red) 0%, var(--red-light) 100%);
}
.page-hero .container {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.page-hero .eyebrow {
  display: inline-block;
  background: var(--red);
  color: #fff;
  padding: 6px 14px;
  font-family: 'Raleway', sans-serif;
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 18px;
  border-radius: 3px;
}
.page-hero h1 {
  color: #fff;
  font-size: 44px;
  line-height: 1.12;
  margin: 0 0 22px;
  font-weight: 800;
}
.page-hero .hero-lede {
  font-size: 18px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.92);
  margin-bottom: 30px;
  max-width: 560px;
}
.page-hero .trust-row {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  margin-top: 20px;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  font-family: 'Raleway', sans-serif;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.page-hero .trust-row span::before {
  content: '✓';
  display: inline-block;
  color: var(--red-light);
  font-weight: 800;
  margin-right: 6px;
  font-size: 15px;
}

/* ------------------- INLINE CTA FORM (overlay card) ------------------- */
.inline-cta-form {
  background: #fff;
  border-radius: var(--radius);
  padding: 34px 30px;
  box-shadow: var(--shadow-lg);
  color: var(--text);
  border-top: 5px solid var(--red);
}
.inline-cta-form h3 {
  font-family: 'Raleway', sans-serif;
  font-size: 22px;
  font-weight: 800;
  margin: 0 0 6px;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.inline-cta-form .form-subhead {
  color: var(--text-muted);
  font-size: 13px;
  margin-bottom: 22px;
  border-bottom: 1px solid var(--grey-100);
  padding-bottom: 14px;
}
.inline-cta-form label {
  display: block;
  font-family: 'Raleway', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--navy);
  margin-bottom: 5px;
}
.inline-cta-form input,
.inline-cta-form select,
.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  font-size: 14px;
  background: #fff;
  margin-bottom: 14px;
  font-family: 'Open Sans', sans-serif;
  color: var(--text);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.inline-cta-form input:focus,
.inline-cta-form select:focus,
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(212, 14, 49, 0.12);
}
.inline-cta-form .form-row,
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.inline-cta-form .form-footer {
  font-size: 11px;
  color: var(--text-muted);
  text-align: center;
  margin-top: 14px;
  line-height: 1.5;
}

/* ------------------- FEATURE STRIP (why-choose-us style) ------------------- */
.feature-strip {
  background: var(--grey-50);
  padding: 50px 0;
  border-bottom: 1px solid #eee;
}
.feature-strip .feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}
.feature-item {
  text-align: center;
  padding: 20px 12px;
}
.feature-item .icon {
  width: 60px;
  height: 60px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--red);
  color: #fff;
  border-radius: 50%;
  font-size: 24px;
  margin-bottom: 16px;
  font-weight: 800;
}
.feature-item h4 {
  font-family: 'Raleway', sans-serif;
  font-size: 15px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--navy);
  margin: 0 0 8px;
}
.feature-item p { font-size: 13px; color: var(--text-muted); margin: 0; }

/* ------------------- CONTENT BODY ------------------- */
.content-page { padding: 0 0 80px; }
.content-body-wrapper {
  max-width: var(--content-width);
  margin: 0 auto;
  padding: 60px 20px 0;
}
.content-body { font-size: 15px; line-height: 1.75; }
.content-body h2 {
  font-family: 'Raleway', sans-serif;
  font-size: 26px;
  font-weight: 800;
  margin: 44px 0 18px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--grey-100);
  position: relative;
}
.content-body h2::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 60px;
  height: 2px;
  background: var(--red);
}
.content-body h3 {
  font-family: 'Raleway', sans-serif;
  font-size: 19px;
  font-weight: 700;
  margin: 32px 0 12px;
  color: var(--navy);
}
.content-body h4 { font-size: 16px; margin: 24px 0 10px; color: var(--navy); }
.content-body p { margin: 0 0 16px; color: var(--text); }
.content-body strong { color: var(--navy); font-weight: 700; }
.content-body ul, .content-body ol { padding-left: 24px; margin: 0 0 20px; }
.content-body li { margin: 7px 0; }
.content-body a {
  color: var(--red);
  text-decoration: underline;
  text-decoration-color: rgba(212, 14, 49, 0.35);
  text-underline-offset: 2px;
}
.content-body a:hover { color: var(--red-dark); text-decoration-color: var(--red-dark); }
.content-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 26px 0;
  font-size: 14px;
  box-shadow: var(--shadow-sm);
  border-radius: var(--radius);
  overflow: hidden;
}
.content-body th, .content-body td {
  border-bottom: 1px solid #e8e8e8;
  padding: 13px 16px;
  text-align: left;
}
.content-body thead tr { background: var(--navy); }
.content-body thead th {
  color: #fff;
  font-weight: 700;
  font-family: 'Raleway', sans-serif;
  text-transform: uppercase;
  font-size: 12px;
  letter-spacing: 0.5px;
  border-bottom: none;
}
.content-body tbody tr:nth-child(even) { background: var(--grey-50); }
.content-body tbody tr:hover { background: rgba(212, 14, 49, 0.04); }
.content-body blockquote {
  border-left: 4px solid var(--red);
  padding: 14px 24px;
  margin: 28px 0;
  background: var(--grey-50);
  color: var(--text);
  font-style: italic;
  border-radius: 0 var(--radius) var(--radius) 0;
}

.page-meta {
  color: var(--text-muted);
  font-size: 13px;
  margin-bottom: 26px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--grey-100);
}

/* ------------------- CTA BLOCKS ------------------- */
.cta-block {
  max-width: var(--content-width);
  margin: 50px auto;
  padding: 44px 36px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  border-radius: var(--radius);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-block::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--red);
}
.cta-block h3 {
  color: #fff;
  font-family: 'Raleway', sans-serif;
  font-size: 26px;
  font-weight: 800;
  margin: 0 0 10px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.cta-block p { color: rgba(255, 255, 255, 0.9); margin-bottom: 22px; font-size: 15px; }

/* ------------------- EMAIL CAPTURE ------------------- */
.email-capture {
  max-width: var(--content-width);
  margin: 40px auto;
  padding: 28px;
  background: var(--grey-50);
  border-left: 4px solid var(--red);
}
.email-capture h4 {
  font-family: 'Raleway', sans-serif;
  margin: 0 0 10px;
  color: var(--navy);
  text-transform: uppercase;
  font-size: 15px;
  letter-spacing: 0.5px;
}
.inline-subscribe {
  display: flex;
  gap: 10px;
  margin-top: 12px;
}
.inline-subscribe input[type=email] {
  flex: 1;
  padding: 12px 16px;
  border: 1px solid var(--grey-300);
  border-radius: var(--radius);
  font-size: 14px;
}

/* ------------------- APPLY PAGE ------------------- */
.apply-page { background: var(--grey-50); min-height: 100vh; }
.apply-main { padding: 50px 0; }
.apply-container {
  max-width: 700px;
  margin: 0 auto;
  background: #fff;
  padding: 48px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border-top: 5px solid var(--red);
}
.progress-bar {
  display: flex;
  justify-content: space-between;
  margin-bottom: 40px;
  position: relative;
}
.progress-bar::before {
  content: '';
  position: absolute;
  top: 17px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: var(--grey-300);
}
.progress-step {
  flex: 1;
  text-align: center;
  color: var(--text-muted);
  font-family: 'Raleway', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  position: relative;
  z-index: 1;
}
.progress-step.active { color: var(--navy); }
.progress-step.completed { color: var(--red); }
.step-number {
  display: block;
  width: 36px; height: 36px;
  line-height: 34px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--grey-300);
  color: var(--text-muted);
  margin: 0 auto 8px;
  font-weight: 800;
  font-size: 14px;
}
.progress-step.active .step-number { background: var(--navy); border-color: var(--navy); color: #fff; }
.progress-step.completed .step-number { background: var(--red); border-color: var(--red); color: #fff; }
.form-step { display: none; }
.form-step.active { display: block; }
.form-step h1 {
  font-family: 'Raleway', sans-serif;
  margin: 0 0 10px;
  font-size: 28px;
  color: var(--navy);
  font-weight: 800;
}
.form-subhead { color: var(--text-muted); margin-bottom: 28px; font-size: 14px; }
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-family: 'Raleway', sans-serif;
  font-weight: 700;
  margin-bottom: 6px;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--navy);
}
.form-group input.error, .form-group select.error { border-color: var(--red); }
.form-actions { display: flex; gap: 12px; margin-top: 28px; }
.checkbox-group { display: flex; align-items: flex-start; gap: 10px; }
.checkbox-group input { width: auto; margin-top: 4px; }
.checkbox-group label {
  text-transform: none;
  letter-spacing: normal;
  font-family: 'Open Sans', sans-serif;
  font-weight: 400;
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
}
.legal-line { font-size: 11px; color: var(--text-muted); margin-top: 18px; text-align: center; }

/* ------------------- FOOTER ------------------- */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.75);
  padding: 60px 0 24px;
  margin-top: 80px;
  border-top: 4px solid var(--red);
}
.site-footer a { color: rgba(255, 255, 255, 0.75); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-col h4 {
  font-family: 'Raleway', sans-serif;
  margin: 0 0 16px;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #fff;
  font-weight: 800;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin: 10px 0; font-size: 13px; }
.footer-col img {
  height: 44px;
  margin-bottom: 14px;
  background: #fff;
  padding: 8px 14px;
  border-radius: 4px;
}
.footer-col p { font-size: 13px; line-height: 1.6; margin: 0 0 8px; }
.footer-disclaimer {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.55);
  text-align: center;
  line-height: 1.6;
}

/* ------------------- MOBILE ------------------- */
@media (max-width: 960px) {
  .top-bar .container { flex-direction: column; gap: 6px; text-align: center; }
  .top-bar .top-nav a { margin: 0 10px; }
  .page-hero .container { grid-template-columns: 1fr; gap: 36px; }
  .page-hero h1 { font-size: 34px; }
  .feature-strip .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .main-nav { gap: 10px; }
  .main-nav a:not(.btn) { display: none; }
  .logo img { height: 42px; }
  .content-body h2 { font-size: 22px; }
  .page-hero { padding: 48px 0 64px; }
  .page-hero h1 { font-size: 28px; }
  .feature-strip .feature-grid { grid-template-columns: 1fr; gap: 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .form-row, .inline-cta-form .form-row { grid-template-columns: 1fr; }
  .apply-container { padding: 28px 22px; }
  .inline-cta-form { padding: 26px 22px; }
}