/*
Theme Name: MCB Lending
Theme URI: https://mcb-lending.com
Author: MCB Lending Corporation
Author URI: https://mcb-lending.com
Description: Custom WordPress theme for MCB Lending Corporation, a Philippine lending company. Built for staff-manageable Loan Products, Branches, Careers and News content via custom post types, with a trust-focused, mobile-first layout.
Version: 1.0.0
Requires at least: 6.0
Requires PHP: 7.4
Tested up to: 6.6
License: GNU General Public License v2 or later
License URI: LICENSE
Text Domain: mcb-lending
*/

/* =========================================================
   0. RESET & BASE
========================================================= */
:root{
	--color-primary: #0d3b66;
	--color-primary-dark: #082747;
	--color-primary-light: #164a80;
	--color-accent: #f5a623;
	--color-accent-dark: #d6890c;
	--color-success: #1f7a4d;
	--color-text: #23303f;
	--color-text-muted: #5b6b7d;
	--color-bg: #ffffff;
	--color-bg-alt: #f4f7fb;
	--color-bg-dark: #0a2c50;
	--color-border: #e1e7ef;
	--radius: 10px;
	--radius-sm: 6px;
	--shadow: 0 4px 18px rgba(13, 59, 102, 0.08);
	--shadow-lg: 0 12px 32px rgba(10, 44, 80, 0.16);
	--container: 1180px;
	--font-base: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
	margin: 0;
	font-family: var(--font-base);
	color: var(--color-text);
	background: var(--color-bg);
	line-height: 1.65;
	font-size: 16px;
	-webkit-font-smoothing: antialiased;
}
img{ max-width: 100%; height: auto; display: block; }
a{ color: var(--color-primary); text-decoration: none; }
a:hover{ color: var(--color-accent-dark); }
ul{ margin: 0; padding: 0; list-style: none; }
h1,h2,h3,h4,h5{ font-family: var(--font-base); font-weight: 700; line-height: 1.25; color: var(--color-primary-dark); margin: 0 0 .5em; }
h1{ font-size: clamp(2rem, 4vw, 2.9rem); }
h2{ font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3{ font-size: 1.3rem; }
p{ margin: 0 0 1em; }
input, textarea, select, button{ font-family: inherit; font-size: 1rem; }
.screen-reader-text{ position:absolute; left:-9999px; }

.container{ max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section{ padding: 72px 0; }
.section--alt{ background: var(--color-bg-alt); }
.section--dark{ background: var(--color-bg-dark); color: #dbe6f2; }
.section--dark h2, .section--dark h3{ color: #fff; }
.section-head{ text-align: center; max-width: 680px; margin: 0 auto 44px; }
.eyebrow{ display:inline-block; color: var(--color-accent-dark); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; font-size: .78rem; margin-bottom: 10px; }

.btn{
	display: inline-flex; align-items: center; justify-content: center; gap: 8px;
	padding: 13px 26px; border-radius: 999px; font-weight: 700; font-size: .95rem;
	border: 2px solid transparent; cursor: pointer; transition: all .15s ease; line-height: 1;
}
.btn-primary{ background: var(--color-accent); color: var(--color-primary-dark); border-color: var(--color-accent); }
.btn-primary:hover{ background: var(--color-accent-dark); border-color: var(--color-accent-dark); color: #fff; }
.btn-outline{ background: transparent; color: #fff; border-color: rgba(255,255,255,.65); }
.btn-outline:hover{ background: #fff; color: var(--color-primary-dark); border-color: #fff; }
.btn-outline-dark{ background: transparent; color: var(--color-primary); border-color: var(--color-primary); }
.btn-outline-dark:hover{ background: var(--color-primary); color: #fff; }
.btn-block{ width: 100%; }
.btn-sm{ padding: 9px 18px; font-size: .85rem; }

.badge{ display:inline-block; background: rgba(245,166,35,.15); color: var(--color-accent-dark); font-weight: 700; font-size: .75rem; padding: 4px 12px; border-radius: 999px; }

/* =========================================================
   1. HEADER
========================================================= */
.site-topbar{
	background: var(--color-primary-dark); color: #cfe0f2; font-size: .84rem;
}
.site-topbar .container{ display:flex; justify-content: space-between; align-items:center; padding-top:8px; padding-bottom:8px; flex-wrap: wrap; gap: 6px; }
.site-topbar a{ color: #cfe0f2; }
.site-topbar a:hover{ color: #fff; }
.topbar-links{ display:flex; gap: 20px; flex-wrap: wrap; }
.topbar-social{ display:flex; gap: 12px; }
.topbar-social a{ display:flex; align-items:center; justify-content:center; width: 26px; height:26px; border-radius:50%; background: rgba(255,255,255,.12); }
.topbar-social a:hover{ background: var(--color-accent); color: var(--color-primary-dark); }

.site-header{
	position: sticky; top: 0; z-index: 500; background: #fff; box-shadow: 0 2px 14px rgba(10,44,80,.08);
}
.site-header .container{ display:flex; align-items:center; justify-content: space-between; padding-top: 14px; padding-bottom: 14px; gap: 24px; }
.site-branding{ display:flex; align-items:center; gap: 12px; }
.site-branding img{ max-height: 52px; width: auto; }
.site-title{ font-size: 1.3rem; font-weight: 800; color: var(--color-primary); margin: 0; }
.site-title a{ color: inherit; }
.site-tagline{ font-size: .74rem; color: var(--color-text-muted); margin: 0; font-weight: 600; letter-spacing: .03em; }

.main-navigation{ display:flex; align-items:center; gap: 28px; }
.main-navigation ul{ display:flex; gap: 26px; align-items:center; }
.main-navigation li{ position: relative; }
.main-navigation a{ color: var(--color-text); font-weight: 600; font-size: .95rem; padding: 6px 0; }
.main-navigation a:hover, .main-navigation .current-menu-item > a{ color: var(--color-primary); }
.main-navigation .sub-menu{ display:none; position:absolute; top: 100%; left: 0; background:#fff; min-width: 230px; box-shadow: var(--shadow-lg); border-radius: var(--radius-sm); padding: 8px; margin-top: 12px; }
.main-navigation li:hover > .sub-menu{ display:block; }
.main-navigation .sub-menu a{ display:block; padding: 9px 12px; border-radius: 6px; }
.main-navigation .sub-menu a:hover{ background: var(--color-bg-alt); }
.main-navigation .menu-item-has-children > a::after{ content:'▾'; margin-left:5px; font-size:.7em; }

.header-actions{ display:flex; align-items:center; gap: 16px; }
.nav-apply-cta{ display:none; margin-top: 20px; width:100%; }
.header-phone{ display:flex; align-items:center; gap:8px; font-weight:700; color: var(--color-primary); white-space:nowrap; }
.header-phone svg{ flex-shrink:0; }
.menu-toggle{ display:none; background:none; border:2px solid var(--color-border); border-radius: 8px; width: 44px; height: 44px; align-items:center; justify-content:center; cursor:pointer; }
.menu-toggle span, .menu-toggle span::before, .menu-toggle span::after{ display:block; width:20px; height:2px; background: var(--color-primary-dark); position:relative; transition: all .2s; }
.menu-toggle span::before{ content:''; position:absolute; top:-6px; }
.menu-toggle span::after{ content:''; position:absolute; top:6px; }

@media (max-width: 900px){
	.main-navigation{ position:fixed; inset: 0 0 0 30%; background:#fff; flex-direction:column; align-items:flex-start; padding: 90px 28px 28px; transform: translateX(100%); transition: transform .25s ease; overflow-y:auto; box-shadow: -10px 0 30px rgba(0,0,0,.15); }
	.main-navigation.is-open{ transform: translateX(0); }
	.main-navigation ul{ flex-direction:column; align-items:flex-start; width:100%; gap: 4px; }
	.main-navigation li{ width:100%; }
	.main-navigation a{ display:block; padding: 12px 0; border-bottom:1px solid var(--color-border); width:100%; }
	.main-navigation .sub-menu{ display:block; position:static; box-shadow:none; margin:0 0 0 14px; padding:0; }
	.main-navigation .menu-item-has-children > a::after{ display:none; }
	.menu-toggle{ display:flex; }
	.header-phone span{ display:none; }
	.topbar-links{ display:none; }
	.nav-apply-cta{ display:block; }
	.site-header > .container > .header-actions > .btn-primary{ display:none; }
}

/* =========================================================
   1b. COMPANY BANNER (logo + name strip above the hero)
========================================================= */
.company-banner{ background: #fff; border-bottom: 1px solid var(--color-border); }
.company-banner .container{
	display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 14px;
	padding: 32px 24px; text-align: center;
}
.company-banner-logo{ max-height: 140px; width: auto; }
.company-banner-name{ font-size: 1.4rem; font-weight: 800; color: var(--color-primary-dark); letter-spacing: .01em; }

/* =========================================================
   2. HERO
========================================================= */
.hero{
	position: relative; color: #fff; padding: 90px 0 100px;
	background: linear-gradient(120deg, rgba(8,39,71,.94), rgba(13,59,102,.88)), var(--hero-image, none) center/cover no-repeat;
	overflow:hidden;
}
.hero::after{
	content:''; position:absolute; right:-120px; bottom:-160px; width:420px; height:420px; border-radius:50%;
	background: radial-gradient(circle, rgba(245,166,35,.25), transparent 70%);
}
.hero-inner{ position:relative; max-width: 640px; }
.hero h1{ color:#fff; }
.hero p.lead{ font-size: 1.15rem; color: #d9e6f4; max-width: 540px; }
.hero-actions{ display:flex; gap: 14px; margin-top: 28px; flex-wrap:wrap; }
.hero-trust{ display:flex; gap: 28px; margin-top: 46px; flex-wrap:wrap; }
.hero-trust div{ font-size:.82rem; color:#c7d9ec; }
.hero-trust strong{ display:block; font-size:1.5rem; color:#fff; font-weight:800; }

/* =========================================================
   3. CARDS / GRIDS
========================================================= */
.grid{ display:grid; gap: 28px; }
.grid-3{ grid-template-columns: repeat(3, 1fr); }
.grid-4{ grid-template-columns: repeat(4, 1fr); }
.grid-2{ grid-template-columns: repeat(2, 1fr); }
@media (max-width: 960px){ .grid-3, .grid-4{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 640px){ .grid-3, .grid-4, .grid-2{ grid-template-columns: 1fr; } }

.card{ background:#fff; border: 1px solid var(--color-border); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); transition: transform .15s ease, box-shadow .15s ease; height:100%; display:flex; flex-direction:column; }
.card:hover{ transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card-icon{ width:52px; height:52px; border-radius:14px; background: rgba(13,59,102,.08); display:flex; align-items:center; justify-content:center; color: var(--color-primary); margin-bottom:18px; font-size:1.5rem; }

.loan-card h3{ margin-bottom:8px; }
.loan-card .loan-rate{ color: var(--color-accent-dark); font-weight:700; font-size:.9rem; margin-bottom:10px; }
.loan-card p{ color: var(--color-text-muted); flex-grow:1; }
.loan-card .btn{ margin-top: 14px; align-self:flex-start; }

.why-strip{ display:grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
@media (max-width: 900px){ .why-strip{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px){ .why-strip{ grid-template-columns: 1fr; } }
.why-item{ text-align:center; padding: 20px; }
.why-item .card-icon{ margin:0 auto 16px; }
.why-item h3{ font-size:1.05rem; }
.why-item p{ color: var(--color-text-muted); font-size:.92rem; }

/* News cards */
.news-card{ padding:0; overflow:hidden; }
.news-card .news-thumb{ aspect-ratio: 16/10; overflow:hidden; background: var(--color-bg-alt); }
.news-card .news-thumb img{ width:100%; height:100%; object-fit:cover; }
.news-card .news-body{ padding: 22px; }
.news-meta{ font-size:.78rem; color: var(--color-text-muted); text-transform:uppercase; letter-spacing:.04em; font-weight:700; margin-bottom:8px; }
.news-card h3{ font-size:1.1rem; margin-bottom:10px; }
.news-card h3 a{ color: var(--color-primary-dark); }
.news-card p{ color: var(--color-text-muted); font-size:.94rem; }

/* Branch cards */
.branch-card h3{ margin-bottom:6px; }
.branch-card .branch-meta{ display:flex; gap:10px; color: var(--color-text-muted); font-size:.92rem; margin-bottom:6px; align-items:flex-start; }
.branch-card .branch-meta svg{ flex-shrink:0; margin-top:3px; color: var(--color-accent-dark); }
.branch-card .btn{ margin-top:16px; }
.branch-map{ border-radius: var(--radius); overflow:hidden; border: 1px solid var(--color-border); margin-top: 18px; }
.branch-map iframe{ width:100%; height:260px; border:0; display:block; }

/* =========================================================
   4. CONTACT CTA / STRIPS
========================================================= */
.cta-strip{ background: linear-gradient(120deg, var(--color-primary), var(--color-primary-light)); color:#fff; border-radius: var(--radius); padding: 46px; display:flex; align-items:center; justify-content:space-between; gap: 30px; flex-wrap:wrap; }
.cta-strip h2{ color:#fff; margin-bottom:6px; }
.cta-strip p{ color:#cfe0f2; margin:0; }
.cta-strip .cta-actions{ display:flex; gap:14px; flex-wrap:wrap; }

/* =========================================================
   5. FORMS
========================================================= */
.form-row{ margin-bottom: 18px; }
.form-row label{ display:block; font-weight:700; font-size:.88rem; margin-bottom:6px; color: var(--color-primary-dark); }
.form-row input[type=text], .form-row input[type=email], .form-row input[type=tel], .form-row select, .form-row textarea{
	width:100%; padding: 12px 14px; border: 1.5px solid var(--color-border); border-radius: var(--radius-sm); background:#fbfcfe; transition: border-color .15s;
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus{ outline:none; border-color: var(--color-primary); background:#fff; }
.form-row-hp{ position:absolute; left:-9999px; }
.form-notice{ padding: 14px 18px; border-radius: var(--radius-sm); margin-bottom: 20px; font-weight:600; font-size:.92rem; }
.form-notice.success{ background: rgba(31,122,77,.1); color: var(--color-success); }
.form-notice.error{ background: rgba(198,53,53,.1); color:#c63535; }

.contact-info-list li{ display:flex; gap:12px; margin-bottom:18px; align-items:flex-start; }
.contact-info-list svg{ flex-shrink:0; color: var(--color-accent-dark); margin-top:2px; }
.contact-info-list strong{ display:block; color: var(--color-primary-dark); }

/* =========================================================
   6. FOOTER
========================================================= */
.site-footer{ background: var(--color-bg-dark); color: #b9cbe0; padding: 64px 0 0; }
.footer-grid{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.08); }
@media (max-width: 900px){ .footer-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .footer-grid{ grid-template-columns: 1fr; } }
.site-footer h4{ color:#fff; font-size:1rem; margin-bottom: 18px; }
.site-footer a{ color:#b9cbe0; }
.site-footer a:hover{ color:#fff; }
.footer-about p{ color:#9fb4cc; font-size:.92rem; }
.footer-links li{ margin-bottom: 10px; font-size:.92rem; }
.footer-branch{ margin-bottom: 16px; font-size:.9rem; }
.footer-branch strong{ display:block; color:#fff; margin-bottom:2px; }
.footer-social{ display:flex; gap:10px; margin-top: 18px; }
.footer-social a{ width:36px; height:36px; border-radius:50%; background: rgba(255,255,255,.08); display:flex; align-items:center; justify-content:center; }
.footer-social a:hover{ background: var(--color-accent); color: var(--color-primary-dark); }
.footer-bottom{ padding: 22px 0; display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; font-size:.82rem; color:#8ba4c0; }
.footer-bottom a{ color:#8ba4c0; }
.footer-legal-links{ display:flex; gap:18px; flex-wrap:wrap; }
.footer-reg-numbers{ font-size:.8rem; color:#8ba4c0; margin-top:10px; line-height:1.8; }

/* =========================================================
   7. INNER PAGE / CONTENT
========================================================= */
.page-hero{ background: linear-gradient(120deg, var(--color-primary-dark), var(--color-primary)); color:#fff; padding: 56px 0; text-align:center; }
.page-hero h1{ color:#fff; margin-bottom:8px; }
.page-hero .breadcrumbs{ color:#bcd2e8; font-size:.86rem; }
.page-hero .breadcrumbs a{ color:#bcd2e8; }

.entry-content{ font-size:1.02rem; color: var(--color-text); }
.entry-content h2{ margin-top: 1.4em; }
.entry-content h3{ margin-top: 1.2em; }
.entry-content img{ border-radius: var(--radius); }
.entry-content ul{ list-style: disc; padding-left: 1.4em; margin-bottom:1em; }
.entry-content ol{ list-style: decimal; padding-left: 1.4em; margin-bottom:1em; }
.entry-content blockquote{ border-left: 4px solid var(--color-accent); padding: 4px 0 4px 20px; color: var(--color-text-muted); font-style:italic; margin: 1.5em 0; }
.entry-content table{ width:100%; border-collapse:collapse; margin-bottom:1.5em; }
.entry-content table th, .entry-content table td{ border:1px solid var(--color-border); padding:10px 14px; text-align:left; }
.entry-content table th{ background: var(--color-bg-alt); }

.two-col{ display:grid; grid-template-columns: 2fr 1fr; gap: 48px; }
@media (max-width: 860px){ .two-col{ grid-template-columns: 1fr; } }

.sidebar-box{ background: var(--color-bg-alt); border-radius: var(--radius); padding: 26px; margin-bottom: 24px; border: 1px solid var(--color-border); }
.sidebar-box h4{ margin-bottom: 14px; }
.trust-list li{ display:flex; justify-content:space-between; padding: 9px 0; border-bottom: 1px dashed var(--color-border); font-size:.9rem; }
.trust-list li:last-child{ border-bottom:0; }
.trust-list span:first-child{ color: var(--color-text-muted); }
.trust-list span:last-child{ font-weight:700; color: var(--color-primary-dark); }

/* Loan product single */
.loan-terms-table{ width:100%; border-collapse: collapse; margin: 20px 0; }
.loan-terms-table td{ padding: 12px 0; border-bottom:1px solid var(--color-border); }
.loan-terms-table td:first-child{ color: var(--color-text-muted); font-weight:600; width: 45%; }
.loan-terms-table td:last-child{ font-weight:700; color: var(--color-primary-dark); }
.requirements-list li{ display:flex; gap:10px; padding: 8px 0; align-items:flex-start; }
.requirements-list li::before{ content:'✓'; color: var(--color-success); font-weight:900; flex-shrink:0; }

/* FAQ accordion */
.faq-list{ max-width: 820px; margin: 0 auto; }
.faq-item{ border: 1px solid var(--color-border); border-radius: var(--radius-sm); margin-bottom: 12px; overflow:hidden; }
.faq-question{ display:flex; justify-content:space-between; align-items:center; padding: 18px 22px; cursor:pointer; font-weight:700; color: var(--color-primary-dark); background:#fff; }
.faq-question::after{ content:'+'; font-size:1.4rem; color: var(--color-accent-dark); transition: transform .2s; }
.faq-item.is-open .faq-question::after{ transform: rotate(45deg); }
.faq-answer{ max-height:0; overflow:hidden; transition: max-height .25s ease; background: var(--color-bg-alt); }
.faq-answer-inner{ padding: 0 22px 20px; color: var(--color-text-muted); }

/* Career listing */
.career-card{ display:flex; justify-content:space-between; align-items:center; padding: 24px 28px; flex-wrap:wrap; gap:14px; }
.career-card h3{ margin-bottom:6px; }
.career-meta{ display:flex; gap: 14px; flex-wrap:wrap; font-size:.85rem; color: var(--color-text-muted); }
.career-meta span{ background: var(--color-bg-alt); padding: 4px 12px; border-radius: 999px; }

/* Pagination */
.pagination{ display:flex; justify-content:center; gap:8px; margin-top: 40px; }
.pagination a, .pagination span{ min-width:40px; height:40px; display:flex; align-items:center; justify-content:center; border-radius:8px; border:1px solid var(--color-border); font-weight:600; color: var(--color-primary); }
.pagination .current{ background: var(--color-primary); color:#fff; border-color: var(--color-primary); }

.empty-state{ text-align:center; padding: 60px 20px; color: var(--color-text-muted); }

/* Branch locator teaser on home */
.branch-teaser{ display:grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items:center; }
@media (max-width: 860px){ .branch-teaser{ grid-template-columns: 1fr; } }
.branch-teaser-list li{ display:flex; gap:14px; padding: 16px 0; border-bottom: 1px solid var(--color-border); }
.branch-teaser-list li:last-child{ border-bottom:0; }
.branch-teaser-list .num{ width:34px; height:34px; border-radius:50%; background: var(--color-primary); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:800; flex-shrink:0; font-size:.85rem; }

/* 404 */
.error-404{ text-align:center; padding: 100px 20px; }
.error-404 h1{ font-size: 5rem; color: var(--color-accent); }