@import url("tokens.css");

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--color-paper);
  color: var(--color-ink);
  font-family: var(--font-body);
  font-size: var(--step-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--color-accent-dark); }
::selection { background: var(--color-gold-tint); color: var(--color-ink); }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 0.5em;
  text-wrap: balance;
  letter-spacing: -0.01em;
}
h1 { font-size: var(--step-h1); }
h2 { font-size: var(--step-h2); }
h3 { font-size: var(--step-h3); }
h4 { font-size: var(--step-h4); }
p { margin: 0 0 1em; max-width: 68ch; }
.lede { font-size: var(--step-body-lg); color: var(--color-ink-soft); max-width: 62ch; }

.container {
  max-width: var(--content-width);
  margin: 0 auto;
  padding: 0 clamp(20px, 4vw, 48px);
}
.container-narrow { max-width: var(--content-narrow); margin: 0 auto; padding: 0 clamp(20px, 4vw, 48px); }

.section { padding: clamp(48px, 8vw, 96px) 0; }
.section-tight { padding: clamp(32px, 5vw, 56px) 0; }
.section-alt { background: var(--color-paper-sunken); }

.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: var(--step-caption);
  font-weight: 700;
  color: var(--color-accent-dark);
  margin-bottom: 12px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.98rem;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  flex-shrink: 0;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  font-family: var(--font-body);
}
.btn:focus-visible { outline: 3px solid var(--color-gold); outline-offset: 2px; }
.btn-primary { background: var(--color-accent); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--color-accent-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-secondary { background: transparent; color: var(--color-ink); border-color: var(--color-border-strong); }
.btn-secondary:hover { background: var(--color-paper-raised); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--color-accent-dark); padding: 10px 4px; }
.btn-ghost:hover { text-decoration: underline; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.55; cursor: not-allowed; transform: none !important; }

/* Header / nav */
.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(251, 246, 238, 0.98);
  border-bottom: 1px solid var(--color-border);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 16px clamp(20px, 4vw, 48px); max-width: var(--content-width); margin: 0 auto; gap: 20px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--color-ink); font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; white-space: nowrap; }
.brand-mark { width: 34px; height: 34px; border-radius: 9px; background: linear-gradient(155deg, var(--color-accent), var(--color-gold)); flex-shrink: 0; display: flex; align-items: center; justify-content: center; color: #fff; font-family: var(--font-display); font-weight: 700; }
.main-nav { display: flex; align-items: center; gap: 20px; }
.main-nav a { color: var(--color-ink); text-decoration: none; font-weight: 600; font-size: 0.95rem; position: relative; }
.main-nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 2px; background: var(--color-accent); transform: scaleX(0); transition: transform 0.15s ease; }
.main-nav a:hover::after, .main-nav a[aria-current="page"]::after { transform: scaleX(1); }
.header-cta { display: flex; align-items: center; gap: 12px; }
.nav-toggle { display: none; }

@media (max-width: 860px) {
  .main-nav {
    position: fixed;
    top: 68px; right: 0; bottom: 0; left: 0;
    z-index: 39;
    background: var(--color-paper);
    flex-direction: column;
    align-items: flex-start;
    padding: 24px clamp(20px, 6vw, 48px);
    gap: 4px;
    overflow-y: auto;
    border-top: 1px solid var(--color-border);
    transform: translateY(-8px);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.18s ease, transform 0.18s ease;
  }
  .main-nav a { padding: 12px 0; width: 100%; border-bottom: 1px solid var(--color-border); }
  body.nav-open .main-nav { opacity: 1; transform: none; pointer-events: auto; }
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--color-border-strong); background: var(--color-paper-raised); cursor: pointer; }
  .nav-toggle span, .nav-toggle span::before, .nav-toggle span::after { content: ""; display: block; width: 18px; height: 2px; background: var(--color-ink); position: relative; transition: transform 0.15s ease, opacity 0.15s ease; }
  .nav-toggle span::before { position: absolute; top: -6px; }
  .nav-toggle span::after { position: absolute; top: 6px; }
  body.nav-open .nav-toggle span { background: transparent; }
  body.nav-open .nav-toggle span::before { transform: rotate(45deg); top: 0; }
  body.nav-open .nav-toggle span::after { transform: rotate(-45deg); top: 0; }
}

/* Hero */
.hero { padding: clamp(40px, 7vw, 88px) 0 clamp(32px, 6vw, 64px); }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(28px, 5vw, 64px); align-items: center; }
@media (max-width: 980px) { .hero-grid { grid-template-columns: 1fr; } }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin: 22px 0 8px; }
.hero-badge { display: inline-flex; align-items: center; gap: 6px; background: var(--color-paper-raised); border: 1px solid var(--color-border); border-radius: 999px; padding: 7px 14px; font-size: 0.82rem; font-weight: 600; color: var(--color-ink-soft); }
.hero-cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 26px; }

/* Calculator */
.calc-card { background: var(--color-paper-raised); border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: clamp(22px, 3vw, 32px); }
.calc-card.calc-embedded { box-shadow: var(--shadow-md); }
.calc-title { display: flex; align-items: center; justify-content: space-between; margin-bottom: 6px; }
.calc-title h3 { margin: 0; font-size: 1.1rem; }
.calc-pill { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; font-weight: 700; color: var(--color-accent-dark); background: var(--color-accent-tint); padding: 4px 10px; border-radius: 999px; }
.calc-field { margin: 18px 0; }
.calc-field label { display: flex; justify-content: space-between; font-weight: 600; font-size: 0.9rem; margin-bottom: 8px; }
.calc-field .calc-value { font-family: var(--font-mono); font-variant-numeric: tabular-nums; color: var(--color-accent-dark); }
input[type="range"] { width: 100%; accent-color: var(--color-accent); height: 6px; }
input[type="radio"] { accent-color: var(--color-accent); width: 17px; height: 17px; cursor: pointer; flex-shrink: 0; }
.plp-tier-opt { cursor: pointer; }
.calc-result { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 22px; padding-top: 20px; border-top: 1px dashed var(--color-border-strong); }
.calc-result-item .label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--color-ink-soft); margin-bottom: 4px; }
.calc-result-item .value { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 1.35rem; font-weight: 700; color: var(--color-ink); }
.calc-result-item.primary .value { color: var(--color-accent-dark); }
.calc-disclaimer { font-size: 0.76rem; color: var(--color-ink-soft); margin: 16px 0 0; max-width: none; }
@media (max-width: 480px) { .calc-result { grid-template-columns: 1fr; gap: 10px; } }

/* Use-case tiles */
.tile-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 860px) { .tile-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .tile-grid { grid-template-columns: 1fr; } }
.tile { background: var(--color-paper-raised); border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 22px; text-decoration: none; color: var(--color-ink); display: flex; flex-direction: column; gap: 10px; transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease; }
.tile:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--color-border-strong); }
.tile .tile-icon { width: 42px; height: 42px; border-radius: 10px; background: var(--color-accent-tint); color: var(--color-accent-dark); display: flex; align-items: center; justify-content: center; }
.tile h4 { margin: 0; font-size: 1.02rem; }
.tile p { margin: 0; font-size: 0.88rem; color: var(--color-ink-soft); }

/* Steps */
.step-list { list-style: none; margin: 0; padding: 0; counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 860px) { .step-list { grid-template-columns: 1fr; } }
.step-list li { counter-increment: step; background: var(--color-paper-raised); border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 26px 22px; position: relative; }
.step-list li::before { content: counter(step); font-family: var(--font-mono); font-weight: 700; color: var(--color-accent-dark); background: var(--color-accent-tint); width: 34px; height: 34px; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.step-list h4 { margin: 0 0 6px; }
.step-list p { margin: 0; font-size: 0.92rem; color: var(--color-ink-soft); }

/* Testimonials */
.testimonial-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 860px) { .testimonial-strip { grid-template-columns: 1fr; } }
.testimonial-card { background: var(--color-paper-raised); border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 22px; }
.stars { color: var(--color-gold); letter-spacing: 2px; margin-bottom: 10px; font-size: 0.95rem; }
.testimonial-card blockquote { margin: 0 0 14px; font-size: 0.96rem; color: var(--color-ink); }
.testimonial-card cite { font-style: normal; font-size: 0.82rem; color: var(--color-ink-soft); font-weight: 600; }
.testimonial-note { font-size: 0.76rem; color: var(--color-ink-soft); margin-top: 14px; }

/* Rate table */
.table-wrap { overflow-x: auto; border: 1px solid var(--color-border); border-radius: var(--radius-md); background: var(--color-paper-raised); }
table { border-collapse: collapse; width: 100%; min-width: 480px; }
th, td { text-align: left; padding: 12px 18px; border-bottom: 1px solid var(--color-border); font-size: 0.92rem; }
th { background: var(--color-paper-sunken); text-transform: uppercase; font-size: 0.72rem; letter-spacing: 0.06em; color: var(--color-ink-soft); }
tr:last-child td { border-bottom: none; }
td.num { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }

/* Two-column layout sections (eligibility/use-cases, contact form/details) */
.two-col-loans, .contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
@media (max-width: 780px) { .two-col-loans, .contact-grid { grid-template-columns: 1fr; gap: 24px; } }

.values-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 780px) { .values-grid { grid-template-columns: 1fr; } }

/* Cards / lists generic */
.card { background: var(--color-paper-raised); border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 26px; }
.check-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; font-size: 0.95rem; }
.check-list li::before { content: "✓"; color: var(--color-success); font-weight: 700; flex-shrink: 0; }

/* CTA band */
.cta-band { background: var(--color-ink); color: var(--color-paper); border-radius: var(--radius-lg); padding: clamp(32px, 5vw, 56px); display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: rgba(251, 246, 238, 0.78); margin: 0; }
.cta-band .btn-primary { background: var(--color-gold); color: var(--color-ink); }
.cta-band .btn-primary:hover { background: #E6B75C; }

/* FAQ accordion */
.accordion { border-top: 1px solid var(--color-border); }
.accordion-item { border-bottom: 1px solid var(--color-border); }
.accordion-trigger { width: 100%; text-align: left; background: none; border: none; padding: 20px 4px; display: flex; justify-content: space-between; align-items: center; gap: 16px; cursor: pointer; font-family: var(--font-body); font-size: 1.02rem; font-weight: 600; color: var(--color-ink); }
.accordion-trigger .plus { flex-shrink: 0; width: 24px; height: 24px; border-radius: 50%; border: 1px solid var(--color-border-strong); display: flex; align-items: center; justify-content: center; position: relative; }
.accordion-trigger .plus::before, .accordion-trigger .plus::after { content: ""; position: absolute; background: var(--color-ink); }
.accordion-trigger .plus::before { width: 10px; height: 2px; }
.accordion-trigger .plus::after { width: 2px; height: 10px; transition: transform 0.18s ease; }
.accordion-item[data-open="true"] .plus::after { transform: rotate(90deg); }
.accordion-panel { max-height: 0; overflow: hidden; transition: max-height 0.22s ease; }
.accordion-panel-inner { padding: 0 4px 20px; color: var(--color-ink-soft); font-size: 0.95rem; }
.accordion-trigger:focus-visible { outline: 3px solid var(--color-gold); outline-offset: 2px; border-radius: 6px; }

/* Forms */
.form-grid { display: grid; gap: 16px; }
.form-row { display: grid; gap: 6px; }
.form-row label { font-weight: 600; font-size: 0.88rem; }
.form-row input, .form-row select, .form-row textarea {
  font: inherit; padding: 11px 13px; border-radius: 8px; border: 1px solid var(--color-border-strong);
  background: var(--color-paper-raised); color: var(--color-ink);
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus { outline: 3px solid var(--color-gold); outline-offset: 1px; border-color: var(--color-accent); }
.form-error { color: #B3261E; font-size: 0.8rem; min-height: 1em; }
.form-note { font-size: 0.82rem; color: var(--color-ink-soft); }

/* Footer */
.site-footer { background: var(--color-ink); color: rgba(251, 246, 238, 0.82); padding: clamp(40px, 6vw, 64px) 0 28px; margin-top: clamp(40px, 6vw, 80px); }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 32px; padding-bottom: 32px; border-bottom: 1px solid rgba(251, 246, 238, 0.14); }
@media (max-width: 860px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-grid h5 { color: #fff; font-family: var(--font-body); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.08em; margin: 0 0 14px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.footer-grid a { color: rgba(251, 246, 238, 0.78); text-decoration: none; font-size: 0.9rem; }
.footer-grid a:hover { color: #fff; text-decoration: underline; }
.footer-brand p { color: rgba(251, 246, 238, 0.7); font-size: 0.88rem; }
.footer-legal { padding-top: 22px; font-size: 0.76rem; line-height: 1.7; color: rgba(251, 246, 238, 0.55); }
.footer-legal p { max-width: none; margin: 0 0 10px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-top: 18px; font-size: 0.78rem; color: rgba(251, 246, 238, 0.55); }
.footer-bottom a { color: rgba(251, 246, 238, 0.7); }

/* Utility */
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--color-ink); color: #fff; padding: 10px 16px; z-index: 100; border-radius: 0 0 8px 0; }
.skip-link:focus { left: 0; }
.placeholder-flag { color: var(--color-accent-dark); font-weight: 700; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}