/* ───────────────────────────────────────────────────────────
   REAL ESTATE LENDING — PAGE 7 CSS
   ─────────────────────────────────────────────────────────── */

/* ── 1. HERO SECTION ─────────────────────────────────────── */
.lending-hero {
  position: relative;
  min-height: 90vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--nav-height-desktop);
  background: var(--color-black);
}

.lending-hero__bg {
  position: absolute;
  top: 0; left: 0; width: 100%; height: 110%; /* 110% for parallax */
  z-index: 1;
  opacity: 0; /* JS will fade this in */
  transition: opacity 1.5s ease-in-out;
}
.lending-hero__bg.is-loaded {
  opacity: 1;
}

.lending-hero__bg-img {
  width: 100%; height: 100%;
  object-fit: cover;
  /* subtle scale on load */
  transform: scale(1.04);
  animation: heroScaleIn 2s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

@keyframes heroScaleIn {
  to { transform: scale(1); }
}

.lending-hero__overlay {
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(0, 0, 0, 0.45);
}

.lending-hero__content {
  position: relative;
  z-index: 2;
  padding-bottom: 4rem;
}

.lending-hero__headline {
  font-size: clamp(3rem, 7vw, 6rem);
  font-weight: var(--font-black);
  line-height: 1.1;
  text-transform: uppercase;
  letter-spacing: -0.02em;
  margin-bottom: 2rem;
}

.lending-hero__subtext {
  font-size: clamp(1rem, 1.5vw, 1.25rem);
  line-height: 1.6;
  max-width: 600px;
  margin-bottom: 3rem;
  opacity: 0.9;
}

.lending-hero__cta {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  flex-wrap: wrap;
}

/* ── 2. BLUE DOT FINANCIAL SPLIT ─────────────────────────── */
.lending-split {
  background: var(--color-white);
}

.lending-split__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.lending-split__visual {
  width: 100%;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  position: relative;
}

.lending-split__img {
  width: 100%; height: 100%;
  object-fit: cover;
  transform: scale(1.05);
  transition: transform 1.2s cubic-bezier(0.16, 1, 0.3, 1);
}

.lending-split__visual.is-revealed .lending-split__img {
  transform: scale(1);
}

.lending-split__content {
  max-width: 500px;
}

@media (max-width: 900px) {
  .lending-split__grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .lending-split__visual {
    order: -1;
    aspect-ratio: 16 / 9;
  }
}

/* ── 3. BORROWER AUDIENCE ────────────────────────────────── */
.lending-audience {
  background: var(--color-cool-gray);
}

.lending-audience__header {
  max-width: 700px;
  margin-bottom: 5rem;
}

.lending-audience__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.audience-card {
  display: flex;
  flex-direction: column;
  position: relative;
  transition: transform 0.4s ease;
}

.audience-card:hover {
  transform: translateY(-8px);
}

.audience-card__num {
  font-size: 3rem;
  font-weight: var(--font-bold);
  color: var(--color-enterprise-blue);
  margin-bottom: 1rem;
  opacity: 0.8;
}

.audience-card__title {
  font-size: 1.1rem;
  font-weight: var(--font-black);
  text-transform: uppercase;
  margin-bottom: 1rem;
  letter-spacing: 0.05em;
  min-height: 3rem; /* keep titles aligned */
}

.audience-card__desc {
  font-size: 0.9rem;
  line-height: 1.6;
  opacity: 0.75;
  margin-bottom: 2rem;
  flex: 1;
}

.audience-card__divider {
  width: 100%;
  height: 1px;
  background: rgba(0,0,0,0.1);
  transition: background 0.4s ease;
}

.audience-card:hover .audience-card__divider {
  background: var(--color-enterprise-blue);
}

@media (max-width: 1024px) {
  .lending-audience__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 3rem 2rem;
  }
  .audience-card__title { min-height: auto; }
}

@media (max-width: 600px) {
  .lending-audience__grid {
    grid-template-columns: 1fr;
  }
}

/* ── 4. ENTERPRISE DIAGRAM ───────────────────────────────── */
.lending-enterprise {
  background: var(--color-white);
}

.lending-enterprise__header {
  max-width: 700px;
  margin: 0 auto 5rem;
}

.lending-enterprise__diagram {
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
  max-width: 900px;
  margin: 0 auto;
}

.le-hub, .le-mid, .le-node {
  background: var(--color-white);
  border: 1px solid rgba(0,0,0,0.1);
  padding: 1rem 2rem;
  text-align: center;
  font-weight: var(--font-black);
  letter-spacing: 0.05em;
  text-transform: uppercase;
  position: relative;
  z-index: 2;
}

.le-hub {
  font-size: 1.25rem;
  color: var(--color-white);
  background: var(--color-enterprise-blue);
  border-color: var(--color-enterprise-blue);
}

.le-mid {
  font-size: 1rem;
  color: var(--color-charcoal);
  margin-top: 3rem;
}

.le-nodes {
  display: flex;
  justify-content: space-between;
  width: 100%;
  margin-top: 3rem;
  position: relative;
}

.le-node-col {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
}

.le-node {
  font-size: 0.8rem;
  width: 90%;
  padding: 1rem 0.5rem;
  background: var(--color-cool-gray);
  border: none;
}

/* Connectors */
.le-connector-vertical {
  width: 1px;
  background: rgba(0,0,0,0.2);
  position: absolute;
  left: 50%;
  z-index: 1;
}

.le-connector-1 { top: 3.5rem; height: 3rem; }
.le-connector-2 { top: 9.5rem; height: 3rem; }

.le-connector-horizontal {
  height: 1px;
  background: rgba(0,0,0,0.2);
  position: absolute;
  top: 12.5rem;
  left: 12.5%;
  width: 75%;
  z-index: 1;
}

.le-node-line {
  width: 1px;
  height: 3rem;
  background: rgba(0,0,0,0.2);
  margin-bottom: -1px; /* overlap to prevent gaps */
}

@media (max-width: 768px) {
  .le-connector-horizontal, .le-node-line { display: none; }
  .le-connector-2 { height: 2rem; position: relative; top: 0; left: 0; margin: 1rem 0; }
  
  .le-nodes {
    flex-direction: column;
    gap: 1rem;
    margin-top: 1rem;
  }
  .le-node {
    width: 100%;
  }
}

/* ── 5. LENDING APPROACH ─────────────────────────────────── */
.lending-approach {
  background: var(--color-charcoal);
}

.lending-approach__title {
  font-size: clamp(2rem, 4vw, 3.5rem);
  line-height: 1.1;
  margin-bottom: 4rem;
}

.lending-approach__cols {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 3rem;
}

.approach-col {
  display: flex;
  flex-direction: column;
}

.approach-col__num {
  font-size: 0.9rem;
  color: var(--color-enterprise-blue);
  margin-bottom: 1rem;
  font-family: monospace;
}

.approach-col__title {
  font-size: 1.1rem;
  font-weight: var(--font-bold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-white);
}

@media (max-width: 768px) {
  .lending-approach__cols {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
}

/* ── 6. FAQ ──────────────────────────────────────────────── */
.lending-faq {
  background: var(--color-cool-gray);
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid rgba(0,0,0,0.1);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.5rem 0;
  background: none;
  border: none;
  text-align: left;
  font-size: 1.1rem;
  font-weight: var(--font-bold);
  color: var(--color-charcoal);
  cursor: pointer;
  transition: color 0.3s ease;
}

.faq-question:hover {
  color: var(--color-enterprise-blue);
}

.faq-icon {
  font-size: 1.5rem;
  font-weight: 300;
  transition: transform 0.4s ease;
}

.faq-item.is-open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-answer__inner {
  padding-bottom: 1.5rem;
  font-size: 1rem;
  line-height: 1.6;
  opacity: 0;
  transition: opacity 0.4s ease;
}

.faq-item.is-open .faq-answer__inner {
  opacity: 1;
}

/* ── 7. FINAL CTA ────────────────────────────────────────── */
.lending-cta {
  position: relative;
  padding: 8rem 0;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.lending-cta__bg {
  position: absolute;
  top: 0; left: 0; width: 100%; height: 110%;
  z-index: 1;
}

.lending-cta__bg-img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 1.2s cubic-bezier(0.16, 1, 0.3, 1);
}

.lending-cta.is-revealed .lending-cta__bg-img {
  transform: scale(1.03);
}

.lending-cta__overlay {
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(0, 0, 0, 0.6);
}

.lending-cta__content {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.lending-cta__title {
  font-size: clamp(2.5rem, 5vw, 4rem);
  line-height: 1.1;
  margin-bottom: 1.5rem;
  text-transform: uppercase;
}

.lending-cta__subtext {
  max-width: 600px;
  margin-bottom: 3rem;
  opacity: 0.9;
}

.lending-cta__links {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  flex-wrap: wrap;
  justify-content: center;
}

@media (max-width: 600px) {
  .lending-cta__links {
    flex-direction: column;
    gap: 1rem;
  }
}