/* GLOBAL RESET */

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: Tahoma, Geneva, sans-serif;
    font-size: 18px;        /* body text larger for readability */
    line-height: 1.8;
    background: #0b0b0b;
    color: #ffffff;
}

/* CONTAINER */

.container {
    width: 90%;
    max-width: 1000px;
    margin: auto;
    padding: 70px 0;
}

/* HERO SECTION */

.hero {
    text-align: center;
    padding: 120px 20px;
}

.hero h1 {
    font-size: 56px;      /* super-large headline */
    font-weight: bold;
    margin-bottom: 20px;
}

.hero h2 {
    font-size: 28px;
    font-weight: normal;
    margin-bottom: 15px;
}

.hero .sub {
    font-size: 22px;
    margin-bottom: 30px;
}

/* CTA BUTTON */

.cta {
    display: inline-block;
    padding: 16px 36px;
    background: #caa14a;
    color: #000;
    text-decoration: none;
    font-weight: 700;
    font-size: 20px;
    letter-spacing: 1px;
}

/* SECTION HEADINGS */

section h2 {
    font-size: 40px;  /* larger for readability */
    margin-bottom: 20px;
}

/* GRID (Financing Structures etc.) */

.grid {
    display: flex;
    gap: 25px;
    margin-top: 30px;
    flex-wrap: wrap;
}

.grid div {
    background: #121212;
    padding: 25px;
    flex: 1;
    min-width: 250px;
    border-radius: 6px;
}

.grid h3 {
    font-size: 24px;
    margin-bottom: 12px;
}

/* LISTS */

ul, ol {
    margin-top: 20px;
    padding-left: 20px;
    font-size: 18px;
}

/* APPLICATION FORM */

.apply form {
    display: flex;
    flex-direction: column;
    gap: 18px;
    max-width: 650px;
    margin: auto;
    margin-top: 25px;
}

.apply input,
.apply textarea,
.apply select,
button {
    padding: 14px;
    background: #111;
    border: 1px solid #333;
    color: #fff;
    font-size: 18px;
}

.apply textarea {
    min-height: 140px;
}

button {
    background: #caa14a;
    padding: 16px;
    border: none;
    font-weight: 700;
    cursor: pointer;
    letter-spacing: 1px;
}

/* DEADLINE COUNTER */

#countdown {
    font-size: 40px;
    color: #caa14a;
    margin-top: 15px;
}

/* FOOTER */

footer {
    background: #000;
    text-align: center;
    padding: 40px;
    font-size: 18px;
}

/* LINKS */

footer a {
    color: #caa14a;
    margin: 0 12px;
    text-decoration: none;
}

/* MOBILE OPTIMIZATION */

@media(max-width:768px){
    .hero h1 {
        font-size: 40px;
    }
    .hero h2 {
        font-size: 24px;
    }
    .hero .sub {
        font-size: 20px;
    }
    section h2 {
        font-size: 32px;
    }
    .grid h3 {
        font-size: 20px;
    }
}