/* CHC Factoring — Global Styles */
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:#222;background:#fff;line-height:1.7;font-size:16px}
a{color:#c0392b;text-decoration:none;transition:color .2s}
a:hover{color:#922b21}
img{max-width:100%;height:auto}
.container{max-width:1100px;margin:0 auto;padding:0 20px}

/* ===== HEADER ===== */
.site-header{background:#1a1a2e;position:sticky;top:0;z-index:1000;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.header-inner{display:flex;flex-direction:column;align-items:center;padding:0 20px;max-width:1100px;margin:0 auto}
.header-top{display:flex;align-items:center;justify-content:space-between;width:100%;height:56px}
.logo a{color:#fff;font-size:22px;font-weight:800;letter-spacing:2px;text-decoration:none}
.logo a:hover{color:#e0e0e0}
.header-cta{display:inline-block}
.header-cta .nav-cta{padding:8px 18px;font-size:14px;font-weight:600;text-decoration:none;border-radius:4px}
.nav-toggle{display:none;background:none;border:none;color:#fff;font-size:26px;cursor:pointer;padding:5px}
.main-nav{border-top:1px solid rgba(255,255,255,.06);width:100%;padding-bottom:6px}
.main-nav ul{display:flex;list-style:none;gap:2px;justify-content:center;flex-wrap:wrap;padding-top:4px}
.main-nav a{color:#ddd;padding:6px 14px;border-radius:4px;font-size:13px;font-weight:600;transition:all .2s;text-decoration:none}
.main-nav a:hover,.main-nav a.active{color:#fff;background:rgba(255,255,255,.1)}
.nav-cta{background:#c0392b!important;color:#fff!important;border-radius:4px!important}
.nav-cta:hover{background:#a93226!important}
.nav-cta-alt{background:transparent!important;color:#fff!important;border:1.5px solid rgba(255,255,255,.5)!important;margin-right:8px}
.nav-cta-alt:hover{border-color:#fff!important;background:rgba(255,255,255,.08)!important}
.nav-cta-green{background:#27ae60!important;color:#fff!important;margin-left:8px}
.nav-cta-green:hover{background:#219a52!important}
.mobile-only{display:none}

/* Mobile nav */
@media(max-width:768px){
  .nav-toggle{display:block}
  .header-cta{display:none}
  .mobile-only{display:list-item}
  .main-nav{position:absolute;top:56px;left:0;right:0;background:#1a1a2e;display:none;border-top:1px solid rgba(255,255,255,.1)}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;padding:10px 0}
  .main-nav a{display:block;padding:12px 20px;border-radius:0;font-size:14px}
}

/* ===== TOP BAR ===== */
.top-bar{background:#12121f;color:#ccc;font-size:13px;padding:8px 0}
.top-bar .container{display:flex;justify-content:space-between;align-items:center}
.top-bar a{color:#ccc;text-decoration:none}
.top-bar a:hover{color:#fff}

/* ===== HERO ===== */
.hero{background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);color:#fff;padding:80px 0 60px;text-align:center}
.hero h1{font-size:42px;font-weight:800;margin-bottom:15px;line-height:1.2}
.hero .tagline{font-size:19px;color:#bbb;margin-bottom:30px;max-width:600px;margin-left:auto;margin-right:auto;line-height:1.6}
.hero-badges{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-bottom:35px}
.hero-badges span{background:rgba(255,255,255,.12);color:#fff;padding:8px 18px;border-radius:25px;font-size:13px;font-weight:600;letter-spacing:.5px;border:1px solid rgba(255,255,255,.15)}
.hero-cta{display:inline-block;background:#c0392b;color:#fff;padding:15px 35px;border-radius:6px;font-size:18px;font-weight:700;letter-spacing:.5px;transition:background .2s;text-decoration:none}
.hero-cta:hover{background:#a93226;color:#fff}
.hero-cta-green{background:#27ae60!important}
.hero-cta-green:hover{background:#219a52!important;color:#fff}

/* ===== PAGE HERO (inner pages) ===== */
.page-hero{background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);color:#fff;padding:50px 0 40px;text-align:center}
.page-hero h1{font-size:36px;font-weight:800;margin-bottom:10px}
.page-hero p{color:#bbb;font-size:17px;max-width:600px;margin:0 auto}

/* ===== BREADCRUMBS ===== */
.breadcrumbs{background:#f8f8f8;padding:12px 0;font-size:13px;color:#888;border-bottom:1px solid #eee}
.breadcrumbs a{color:#666}
.breadcrumbs a:hover{color:#c0392b}
.breadcrumbs span{margin:0 6px;color:#ccc}

/* ===== SECTIONS ===== */
.section{padding:60px 0}
.section-gray{background:#f8f9fa}
.section-dark{background:#1a1a2e;color:#fff}
.section-title{font-size:32px;font-weight:800;text-align:center;margin-bottom:15px;color:#1a1a2e}
.section-dark .section-title{color:#fff}
.section-subtitle{text-align:center;color:#666;font-size:17px;margin-bottom:40px;max-width:600px;margin-left:auto;margin-right:auto}
.section-dark .section-subtitle{color:#bbb}

/* ===== HOW IT WORKS ===== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:40px}
.step{text-align:center;padding:30px 20px}
.step-number{display:inline-flex;align-items:center;justify-content:center;width:60px;height:60px;border-radius:50%;background:#c0392b;color:#fff;font-size:24px;font-weight:800;margin-bottom:15px}
.step h3{font-size:20px;margin-bottom:10px;color:#1a1a2e}
.step p{color:#555;font-size:15px}

/* ===== BENEFITS GRID ===== */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px;margin-top:40px}
.benefit-card{background:#fff;border-radius:8px;padding:30px;box-shadow:0 2px 15px rgba(0,0,0,.06);border:1px solid #eee;transition:transform .2s,box-shadow .2s}
.benefit-card:hover{transform:translateY(-3px);box-shadow:0 5px 20px rgba(0,0,0,.1)}
.benefit-card .icon{font-size:36px;margin-bottom:12px}
.benefit-card h3{font-size:18px;margin-bottom:8px;color:#1a1a2e}
.benefit-card p{color:#555;font-size:14px;line-height:1.6}

/* ===== FORM CARD ===== */
.form-card{background:#fff;border-radius:10px;box-shadow:0 4px 25px rgba(0,0,0,.1);padding:40px;width:100%;max-width:450px;margin:0 auto}
.form-card h2{text-align:center;margin-bottom:25px;color:#1a1a2e;font-size:22px}
.form-card label{display:block;font-weight:600;margin-bottom:6px;font-size:14px;color:#333}
.form-card input{width:100%;padding:12px 15px;border:2px solid #ddd;border-radius:6px;font-size:16px;margin-bottom:18px;transition:border-color .2s;background:#fff;font-family:inherit}
.form-card input:focus{outline:none;border-color:#1a1a2e}
.form-card button{width:100%;padding:14px;background:#c0392b;color:#fff;border:none;border-radius:6px;font-size:18px;font-weight:700;cursor:pointer;letter-spacing:.5px;transition:background .2s;font-family:inherit}
.form-card button:hover{background:#a93226}
.form-card button:disabled{background:#888;cursor:not-allowed}
.form-success{display:none;text-align:center;padding:30px}
.form-success h2{color:#27ae60;margin-bottom:10px}
.form-success p{color:#555}
.form-error{display:none;background:#fef0f0;color:#c0392b;padding:10px 15px;border-radius:6px;margin-bottom:15px;font-size:14px}

/* Inline form (horizontal) */
.inline-form{display:flex;gap:10px;max-width:700px;margin:0 auto;flex-wrap:wrap;justify-content:center}
.inline-form input{flex:1;min-width:180px;padding:12px 15px;border:2px solid rgba(255,255,255,.2);border-radius:6px;font-size:15px;background:rgba(255,255,255,.1);color:#fff;font-family:inherit}
.inline-form input::placeholder{color:rgba(255,255,255,.5)}
.inline-form input:focus{outline:none;border-color:rgba(255,255,255,.5);background:rgba(255,255,255,.15)}
.inline-form button{padding:12px 30px;background:#c0392b;color:#fff;border:none;border-radius:6px;font-size:16px;font-weight:700;cursor:pointer;transition:background .2s;font-family:inherit;white-space:nowrap}
.inline-form button:hover{background:#a93226}

/* ===== CTA SECTION ===== */
.cta-section{background:linear-gradient(135deg,#1a1a2e,#16213e);color:#fff;padding:60px 0;text-align:center}
.cta-section h2{font-size:32px;font-weight:800;margin-bottom:12px}
.cta-section p{color:#bbb;font-size:17px;margin-bottom:25px;max-width:500px;margin-left:auto;margin-right:auto}

/* ===== CONTENT PAGES ===== */
.content-page{padding:50px 0}
.content-page h2{font-size:28px;font-weight:700;color:#1a1a2e;margin:35px 0 15px}
.content-page h3{font-size:22px;font-weight:700;color:#1a1a2e;margin:25px 0 12px}
.content-page p{margin-bottom:18px;color:#333;line-height:1.8}
.content-page ul,.content-page ol{margin:15px 0 20px 30px;color:#333;line-height:2}
.content-page li{margin-bottom:5px}
.content-page strong{color:#1a1a2e}
.content-page blockquote{border-left:4px solid #c0392b;padding:15px 20px;margin:20px 0;background:#fef8f8;border-radius:0 6px 6px 0;font-style:italic;color:#555}
.content-with-sidebar{display:grid;grid-template-columns:1fr 340px;gap:50px;align-items:start}
.sidebar-cta{background:#f8f9fa;border-radius:10px;padding:30px;border:1px solid #eee;position:sticky;top:90px}
.sidebar-cta h3{font-size:20px;color:#1a1a2e;margin-bottom:10px}
.sidebar-cta p{font-size:14px;color:#666;margin-bottom:20px}
.sidebar-cta .btn{display:block;text-align:center}

/* ===== FAQ ===== */
.faq-item{border:1px solid #eee;border-radius:8px;margin-bottom:12px;overflow:hidden}
.faq-question{padding:18px 50px 18px 20px;font-weight:700;font-size:16px;cursor:pointer;background:#fff;position:relative;color:#1a1a2e;transition:background .2s}
.faq-question:hover{background:#f8f9fa}
.faq-question::after{content:'+';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:22px;color:#c0392b;font-weight:400;transition:transform .2s}
.faq-item.open .faq-question::after{content:'−'}
.faq-answer{display:none;padding:0 20px 18px;color:#555;line-height:1.8;font-size:15px}
.faq-item.open .faq-answer{display:block}

/* ===== BLOG ===== */
.blog-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:30px;margin-top:30px}
.blog-card{background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 2px 15px rgba(0,0,0,.06);border:1px solid #eee;transition:transform .2s,box-shadow .2s}
.blog-card:hover{transform:translateY(-3px);box-shadow:0 5px 20px rgba(0,0,0,.1)}
.blog-card-img{height:200px;background:#e0e0e0;display:flex;align-items:center;justify-content:center;color:#999;font-size:14px}
.blog-card-body{padding:25px}
.blog-card-body .date{font-size:13px;color:#999;margin-bottom:8px}
.blog-card-body h3{font-size:20px;margin-bottom:10px}
.blog-card-body h3 a{color:#1a1a2e;text-decoration:none}
.blog-card-body h3 a:hover{color:#c0392b}
.blog-card-body p{color:#555;font-size:14px;line-height:1.6}
.blog-card-body .read-more{display:inline-block;margin-top:12px;color:#c0392b;font-weight:600;font-size:14px}
.blog-meta{font-size:13px;color:#999;margin-bottom:20px}

/* ===== BUTTONS ===== */
.btn{display:inline-block;padding:13px 30px;border-radius:6px;font-weight:700;font-size:16px;transition:all .2s;text-decoration:none;letter-spacing:.3px}
.btn-primary{background:#c0392b;color:#fff}
.btn-primary:hover{background:#a93226;color:#fff}
.btn-dark{background:#1a1a2e;color:#fff}
.btn-dark:hover{background:#16213e;color:#fff}
.btn-outline{background:transparent;color:#c0392b;border:2px solid #c0392b}
.btn-outline:hover{background:#c0392b;color:#fff}
.btn-white{background:#fff;color:#1a1a2e}
.btn-white:hover{background:#f0f0f0;color:#1a1a2e}

/* ===== GOOGLE REVIEWS ===== */
.reviews-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:25px;margin-top:40px}
.review-card{background:#fff;border-radius:10px;padding:30px;box-shadow:0 2px 15px rgba(0,0,0,.06);border:1px solid #eee;position:relative;transition:transform .2s,box-shadow .2s}
.review-card:hover{transform:translateY(-3px);box-shadow:0 5px 20px rgba(0,0,0,.1)}
.review-stars{color:#f5a623;font-size:22px;letter-spacing:2px;margin-bottom:15px}
.review-text{color:#444;font-size:15px;line-height:1.8;font-style:italic;margin-bottom:20px}
.review-author{display:flex;align-items:center;gap:10px}
.review-author strong{color:#1a1a2e;font-size:15px}
.review-author span{color:#999;font-size:13px;position:relative;padding-left:12px}
.review-author span::before{content:'·';position:absolute;left:2px;color:#ccc}

@media(max-width:900px){
  .reviews-grid{grid-template-columns:1fr}
}

/* ===== FOOTER ===== */
.site-footer{background:#1a1a2e;color:#ccc;padding:50px 0 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;margin-bottom:40px}
.footer-col h4{color:#fff;font-size:16px;margin-bottom:15px;font-weight:700}
.footer-col p{font-size:14px;line-height:1.8;color:#999}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:8px}
.footer-col a{color:#999;font-size:14px;text-decoration:none;transition:color .2s}
.footer-col a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:20px 0;text-align:center;font-size:13px;color:#666}
.footer-bottom a{color:#999}
.footer-bottom a:hover{color:#fff}

/* ===== RESPONSIVE ===== */
@media(max-width:900px){
  .steps{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr 1fr}
  .blog-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .content-with-sidebar{grid-template-columns:1fr}
  .sidebar-cta{position:static}
  .hero h1{font-size:32px}
  .page-hero h1{font-size:28px}
  .section-title{font-size:26px}
}
@media(max-width:600px){
  .benefits-grid{grid-template-columns:1fr}
  .hero{padding:50px 0 40px}
  .hero h1{font-size:28px}
  .hero .tagline{font-size:16px}
  .hero-badges span{font-size:11px;padding:6px 12px}
  .section{padding:40px 0}
  .form-card{padding:25px}
  .inline-form{flex-direction:column}
  .inline-form input{min-width:100%}
}