/* ==========================================================================
   Excel Credit – Home page styles (loaded only by index.php)
   All selectors are prefixed .ec- so nothing leaks into other pages.
   ========================================================================== */
:root {
    --ec-navy: #0a2540;
    --ec-navy-2: #10335a;
    --ec-blue: #008fd5;
    --ec-blue-dark: #004aa1;
    --ec-ink: #1d2a3a;
    --ec-body: #4f5b69;
    --ec-line: #e3e8ef;
    --ec-soft: #f5f8fb;
    --ec-radius: 10px;
    --ec-shadow: 0 12px 40px rgba(10, 37, 64, 0.10);
}

.ec-home { color: var(--ec-body); font-size: 17px; line-height: 1.7; }
.ec-home h1, .ec-home h2, .ec-home h3 { font-family: var(--heading-font); color: var(--ec-ink); font-weight: 700; letter-spacing: -0.01em; }
.ec-home p { color: var(--ec-body); }
.ec-home a { transition: color .2s, background-color .2s, border-color .2s, box-shadow .2s, transform .2s; }

.ec-section { padding: 96px 0; }
.ec-section--soft { background: var(--ec-soft); }
.ec-section--navy { background: var(--ec-navy); }
.ec-section--navy h2, .ec-section--navy h3 { color: #fff; }
.ec-section--navy p { color: rgba(255, 255, 255, .78); }

.ec-eyebrow { display: inline-block; font-family: var(--thm-font); font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--ec-blue); margin-bottom: 12px; }
.ec-heading { font-size: 44px; line-height: 1.12; margin: 0 0 18px; }
.ec-lead { font-size: 19px; line-height: 1.65; max-width: 760px; }
.ec-center { text-align: center; }
.ec-center .ec-lead { margin-left: auto; margin-right: auto; }
.ec-section-head { margin-bottom: 56px; }

/* Buttons */
.ec-btn { display: inline-flex; align-items: center; gap: 10px; padding: 16px 30px; border-radius: 6px; font-family: var(--thm-font); font-weight: 600; font-size: 16px; line-height: 1; text-decoration: none; border: 2px solid transparent; }
.ec-btn:hover { text-decoration: none; transform: translateY(-1px); }
.ec-btn--primary { background: var(--ec-blue); color: #fff; box-shadow: 0 8px 24px rgba(0, 143, 213, .35); }
.ec-btn--primary:hover { background: var(--ec-blue-dark); color: #fff; }
.ec-btn--ghost { border-color: rgba(255, 255, 255, .7); color: #fff; }
.ec-btn--ghost:hover { background: #fff; color: var(--ec-navy); }
.ec-btn--outline { border-color: var(--ec-blue); color: var(--ec-blue); }
.ec-btn--outline:hover { background: var(--ec-blue); color: #fff; }

/* Hero */
.ec-hero { position: relative; padding: 150px 0 170px; background-color: var(--ec-navy); background-size: cover; background-position: center; overflow: hidden; }
.ec-hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(10, 37, 64, .94) 0%, rgba(10, 37, 64, .80) 45%, rgba(10, 37, 64, .25) 100%); }
.ec-hero .container { position: relative; z-index: 1; }
.ec-hero__kicker { display: inline-flex; align-items: center; gap: 10px; padding: 7px 16px; border: 1px solid rgba(255, 255, 255, .25); border-radius: 50px; color: #fff; font-size: 14px; font-weight: 500; margin-bottom: 26px; background: rgba(255, 255, 255, .06); }
.ec-hero__kicker i { color: #5cc8ff; }
.ec-hero h1 { color: #fff; font-size: 62px; line-height: 1.04; margin: 0 0 22px; max-width: 760px; }
.ec-hero h1 span { color: #5cc8ff; }
.ec-hero .ec-hero__sub { color: rgba(255, 255, 255, .86); font-size: 20px; line-height: 1.6; max-width: 640px; margin-bottom: 36px; }
.ec-hero__ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.ec-hero .ec-hero__call { color: rgba(255, 255, 255, .8); font-size: 15px; }
.ec-hero__call a { color: #fff; font-weight: 600; white-space: nowrap; }
.ec-hero__call a:hover { color: #5cc8ff; }

/* Trust / stats bar */
.ec-stats { position: relative; z-index: 2; margin-top: -78px; }
.ec-stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border-radius: var(--ec-radius); box-shadow: var(--ec-shadow); overflow: hidden; margin: 0; padding: 0; }
.ec-stat { padding: 30px 26px; border-right: 1px solid var(--ec-line); }
.ec-stat:last-child { border-right: 0; }
.ec-stat dt { font-family: var(--heading-font); font-size: 34px; line-height: 1.1; font-weight: 700; color: var(--ec-navy); margin-bottom: 6px; }
.ec-stat dd { margin: 0; font-size: 15px; line-height: 1.5; color: var(--ec-body); }

/* Intro */
.ec-intro__media { position: relative; }
.ec-intro__media img { width: 100%; height: auto; border-radius: var(--ec-radius); box-shadow: var(--ec-shadow); }
.ec-intro__badge { position: absolute; left: -24px; bottom: 32px; background: var(--ec-blue); color: #fff; padding: 20px 24px; border-radius: var(--ec-radius); box-shadow: var(--ec-shadow); max-width: 220px; }
.ec-intro__badge strong { display: block; font-family: var(--heading-font); font-size: 34px; line-height: 1; }
.ec-intro__badge span { font-size: 14px; line-height: 1.4; display: block; margin-top: 6px; }
.ec-checks { list-style: none; padding: 0; margin: 26px 0 32px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 24px; }
.ec-checks li { position: relative; padding-left: 30px; color: var(--ec-ink); font-weight: 500; font-size: 16px; line-height: 1.5; }
.ec-checks li::before { content: ""; position: absolute; left: 0; top: 2px; width: 20px; height: 20px; border-radius: 50%; background: rgba(0, 143, 213, .12) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='none' stroke='%23008fd5' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round' d='M3.5 8.5l3 3 6-7'/%3E%3C/svg%3E") center / 12px no-repeat; }

/* Program cards */
.ec-programs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.ec-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--ec-line); border-radius: var(--ec-radius); overflow: hidden; height: 100%; }
.ec-card:hover { box-shadow: var(--ec-shadow); border-color: transparent; transform: translateY(-3px); }
.ec-card { transition: box-shadow .25s, transform .25s, border-color .25s; }
.ec-card__img { aspect-ratio: 4 / 3; overflow: hidden; background: var(--ec-soft); }
.ec-card__img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.ec-card__icon { width: 54px; height: 54px; border-radius: 12px; background: rgba(0, 143, 213, .10); color: var(--ec-blue); display: flex; align-items: center; justify-content: center; font-size: 22px; margin-bottom: 18px; }
.ec-card__body { padding: 28px; display: flex; flex-direction: column; flex: 1; }
.ec-card__body h3 { font-size: 24px; margin: 0 0 10px; }
.ec-card__body p { font-size: 16px; margin: 0 0 18px; flex: 1; }
.ec-card__meta { font-size: 14px; font-weight: 600; color: var(--ec-navy); margin-bottom: 16px; }
.ec-card__link { font-weight: 600; color: var(--ec-blue); font-size: 15px; }
.ec-card__link:hover { color: var(--ec-blue-dark); text-decoration: none; }
.ec-card__link i { margin-left: 6px; font-size: 12px; }

/* Steps */
.ec-steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; counter-reset: ecstep; }
.ec-step { position: relative; padding: 32px 26px; border-radius: var(--ec-radius); background: var(--ec-navy-2); border: 1px solid rgba(255, 255, 255, .08); }
.ec-step::before { counter-increment: ecstep; content: counter(ecstep, decimal-leading-zero); font-family: var(--heading-font); font-size: 40px; font-weight: 700; color: #5cc8ff; display: block; line-height: 1; margin-bottom: 18px; }
.ec-step h3 { font-size: 22px; margin: 0 0 10px; }
.ec-step p { font-size: 15.5px; margin: 0; }
.ec-steps-cta { margin-top: 48px; display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; }

/* Why / benefits */
.ec-benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 28px 34px; margin-top: 10px; }
.ec-benefit { display: flex; gap: 16px; }
.ec-benefit i { flex: 0 0 46px; height: 46px; border-radius: 10px; background: var(--ec-navy); color: #5cc8ff; display: flex; align-items: center; justify-content: center; font-size: 18px; }
.ec-benefit h3 { font-size: 20px; margin: 2px 0 6px; }
.ec-benefit p { font-size: 15.5px; margin: 0; line-height: 1.6; }

/* Video */
.ec-video { position: relative; border-radius: var(--ec-radius); overflow: hidden; box-shadow: var(--ec-shadow); aspect-ratio: 16 / 9; background: #000; }
.ec-video iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }

/* Resources */
.ec-resources { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.ec-resource { display: flex; align-items: flex-start; gap: 14px; padding: 22px; background: #fff; border: 1px solid var(--ec-line); border-radius: var(--ec-radius); color: var(--ec-ink); text-decoration: none; height: 100%; }
.ec-resource:hover { border-color: var(--ec-blue); box-shadow: var(--ec-shadow); text-decoration: none; color: var(--ec-ink); }
.ec-resource i { color: var(--ec-blue); font-size: 20px; margin-top: 3px; width: 22px; text-align: center; }
.ec-resource strong { display: block; font-family: var(--heading-font); font-size: 19px; line-height: 1.2; margin-bottom: 4px; }
.ec-resource span { display: block; font-size: 14.5px; line-height: 1.5; color: var(--ec-body); }

/* Testimonials */
.ec-reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.ec-review { margin: 0; background: #fff; border-radius: var(--ec-radius); padding: 32px; border: 1px solid var(--ec-line); display: flex; flex-direction: column; height: 100%; }
.ec-review__stars { color: #f5a623; font-size: 14px; letter-spacing: 3px; margin-bottom: 14px; }
.ec-review blockquote { margin: 0 0 22px; flex: 1; }
.ec-review blockquote p { font-size: 16.5px; line-height: 1.65; color: var(--ec-ink); margin: 0; }
.ec-review figcaption { display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--ec-navy); font-size: 15px; }
.ec-review figcaption .ec-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--ec-navy); color: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--heading-font); font-weight: 700; font-size: 17px; }
.ec-review figcaption small { display: block; font-weight: 400; color: var(--ec-body); font-size: 13.5px; }
.ec-reviews-cta { text-align: center; margin-top: 40px; }

/* FAQ */
.ec-faq { max-width: 900px; margin: 0 auto; }
.ec-faq details { background: #fff; border: 1px solid var(--ec-line); border-radius: var(--ec-radius); margin-bottom: 14px; overflow: hidden; }
.ec-faq details[open] { box-shadow: var(--ec-shadow); border-color: transparent; }
.ec-faq summary { list-style: none; cursor: pointer; padding: 22px 60px 22px 26px; position: relative; font-family: var(--heading-font); font-size: 21px; font-weight: 700; color: var(--ec-ink); line-height: 1.3; }
.ec-faq summary::-webkit-details-marker { display: none; }
.ec-faq summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; border-radius: 50%; background: rgba(0, 143, 213, .12); color: var(--ec-blue); display: flex; align-items: center; justify-content: center; font-family: var(--thm-font); font-size: 20px; font-weight: 500; }
.ec-faq details[open] summary::after { content: "\2212"; }
.ec-faq summary h3 { display: inline; font-size: inherit; margin: 0; }
.ec-faq__a { padding: 0 26px 24px; }
.ec-faq__a p { margin: 0; font-size: 16.5px; }

/* Final CTA */
.ec-cta { background: linear-gradient(120deg, var(--ec-navy) 0%, var(--ec-blue-dark) 100%); border-radius: 16px; padding: 60px 64px; display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.ec-cta h2 { color: #fff; font-size: 40px; margin: 0 0 10px; }
.ec-cta p, .ec-home .ec-cta p { color: rgba(255, 255, 255, .82); margin: 0; font-size: 18px; }
.ec-cta > div:first-child { flex: 1 1 380px; }
.ec-cta__actions { display: flex; flex-wrap: wrap; gap: 14px; }
.ec-disclaimer { font-size: 13px; line-height: 1.6; color: #7a8592; margin: 28px auto 0; max-width: 980px; text-align: center; }

/* Responsive */
@media (max-width: 1199px) {
    .ec-hero h1 { font-size: 54px; }
    .ec-resources { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 991px) {
    .ec-section { padding: 76px 0; }
    .ec-hero { padding: 110px 0 150px; }
    .ec-hero h1 { font-size: 46px; }
    .ec-heading { font-size: 36px; }
    .ec-stats__grid { grid-template-columns: repeat(2, 1fr); }
    .ec-stat:nth-child(2) { border-right: 0; }
    .ec-stat:nth-child(-n+2) { border-bottom: 1px solid var(--ec-line); }
    .ec-programs, .ec-reviews { grid-template-columns: repeat(2, 1fr); }
    .ec-steps { grid-template-columns: repeat(2, 1fr); }
    .ec-intro__media { margin-top: 48px; }
    .ec-intro__badge { left: 16px; }
    .ec-video { margin-top: 40px; }
    .ec-cta { padding: 48px 36px; }
}
@media (max-width: 767px) {
    .ec-home { font-size: 16px; }
    .ec-hero { padding: 80px 0 130px; }
    .ec-hero h1 { font-size: 38px; }
    .ec-hero__sub { font-size: 17.5px; }
    .ec-heading { font-size: 31px; }
    .ec-lead { font-size: 17px; }
    .ec-section-head { margin-bottom: 40px; }
    .ec-stat { padding: 22px 18px; }
    .ec-stat dt { font-size: 27px; }
    .ec-programs, .ec-reviews, .ec-steps, .ec-benefits, .ec-checks, .ec-resources { grid-template-columns: 1fr; }
    .ec-cta h2 { font-size: 31px; }
    .ec-btn { width: 100%; justify-content: center; }
    .ec-hero__ctas, .ec-cta__actions { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
    .ec-home *, .ec-home *::before { transition: none !important; }
}