/* =========================================================================
   Loan Eddy — component & layout styles. Tokens live in theme.css.
   Sections: Reset · Layout · Header/Nav · Buttons · Hero · Sections ·
   Cards · Process strip · Contact form · Footer · Prose (legal pages) ·
   404 · Motion · Responsive
   ========================================================================= */

/* ---- Reset ------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--fs-base);
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4, p, figure { margin: 0; }

.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.visually-hidden:focus {
  position: fixed;
  top: var(--space-3); left: var(--space-3);
  width: auto; height: auto;
  padding: var(--space-2) var(--space-4);
  margin: 0;
  clip: auto;
  background: var(--color-primary);
  color: #fff;
  border-radius: var(--radius-sm);
  z-index: 1000;
}

/* ---- Layout -------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container-width);
  margin-inline: auto;
  padding-inline: var(--space-5);
}
.section { padding-block: var(--space-8); }
.section-alt { background: var(--color-bg-alt); }
.section-head { max-width: 640px; margin-bottom: var(--space-7); }
.section-head--center { margin-inline: auto; text-align: center; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-display);
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: var(--space-4);
}
.eyebrow::before {
  content: "";
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--color-accent);
  flex: none;
}

h1, .h1 {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--fs-4xl);
  line-height: 1.06;
  letter-spacing: var(--tracking-tight);
  color: var(--color-primary);
}
h2, .h2 {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: var(--fs-2xl);
  line-height: 1.15;
  letter-spacing: var(--tracking-tight);
  color: var(--color-primary);
}
h3, .h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-md);
  line-height: 1.3;
  color: var(--color-primary);
}
.lede {
  font-size: var(--fs-md);
  color: var(--color-text-soft);
  line-height: 1.65;
}
mark {
  background: var(--color-accent-soft);
  color: var(--color-primary);
  padding: 0 0.18em;
  border-radius: 0.2em;
  box-decoration-break: clone;
  -webkit-box-decoration-break: clone;
}

/* ---- Header / Nav --------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--color-hairline);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-5);
  height: var(--header-height);
}
.brand {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  flex: none;
}
.brand__icon { width: 32px; height: 32px; flex: none; }
.brand__text {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.25rem;
  letter-spacing: -0.01em;
  color: var(--color-primary);
}

.nav-primary {
  display: flex;
  align-items: center;
  gap: var(--space-6);
  flex: 1;
  justify-content: center;
}
.nav-primary__link {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--fs-sm);
  color: var(--color-text);
  padding: var(--space-2) 0;
  border-bottom: 2px solid transparent;
  transition: color var(--duration-fast) var(--ease-out), border-color var(--duration-fast) var(--ease-out);
  white-space: nowrap;
}
.nav-primary__link:hover,
.nav-primary__link[aria-current="page"] {
  color: var(--color-primary);
  border-color: var(--color-accent);
}

.header-actions { display: flex; align-items: center; gap: var(--space-4); flex: none; }

.nav-toggle {
  display: none;
  flex: none;
  width: 40px; height: 40px;
  align-items: center;
  justify-content: center;
  background: none;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  color: var(--color-primary);
}
.nav-toggle svg { width: 20px; height: 20px; }

/* ---- Buttons --------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-sm);
  padding: 0.85em 1.5em;
  border-radius: var(--radius-pill);
  border: 1.5px solid transparent;
  transition: transform var(--duration-fast) var(--ease-out), box-shadow var(--duration-fast) var(--ease-out), background var(--duration-fast) var(--ease-out), color var(--duration-fast) var(--ease-out);
  white-space: nowrap;
}
.btn svg { width: 16px; height: 16px; flex: none; }
.btn-primary {
  background: var(--gradient-cta);
  color: #fff;
  box-shadow: var(--shadow-glow-primary);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 40px rgba(11, 30, 69, 0.28); }
.btn-ghost {
  background: transparent;
  border-color: var(--color-primary-soft-border);
  color: var(--color-primary);
}
.btn-ghost:hover { border-color: var(--color-primary); background: var(--color-primary-soft); }
.btn-block { width: 100%; }
.btn-sm { padding: 0.6em 1.1em; font-size: var(--fs-xs); }

/* ---- Hero ------------------------------------------------------------------- */
.hero {
  position: relative;
  overflow: hidden;
  padding-block: var(--space-8) var(--space-7);
}
.hero__current {
  position: absolute;
  top: -8%; right: -6%;
  width: min(56vw, 760px);
  height: auto;
  opacity: 0.9;
  pointer-events: none;
  /* Negative z-index, not just DOM order: a positioned element paints
     above static in-flow content regardless of source order, so without
     this the graphic would sit on top of (and blank out, wherever its
     image box overlaps) the hero text on any layout narrow enough for
     the two to overlap — which is every layout below ~960px once the
     hero copy goes full-width. This keeps it strictly behind. */
  z-index: -1;
}
.hero__grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 640px) minmax(0, 1fr);
  gap: var(--space-7);
  align-items: center;
}
.hero__copy p.lede { margin-top: var(--space-5); max-width: 520px; }
.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-top: var(--space-6);
}
.hero__proof {
  margin-top: var(--space-7);
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-6);
}
.hero__proof-item {
  display: flex;
  align-items: baseline;
  gap: var(--space-2);
}
.hero__proof-item strong {
  font-family: var(--font-display);
  font-size: var(--fs-xl);
  color: var(--color-primary);
}
.hero__proof-item span { color: var(--color-text-soft); font-size: var(--fs-sm); }

.hero__panel {
  position: relative;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: var(--space-6);
}
.hero__panel-row {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding-block: var(--space-3);
  border-bottom: 1px solid var(--color-hairline);
}
.hero__panel-row:last-child { border-bottom: none; }
.hero__panel-icon {
  width: 40px; height: 40px;
  flex: none;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  background: var(--color-accent-soft);
  color: var(--color-primary);
}
.hero__panel-icon svg { width: 20px; height: 20px; }
.hero__panel-text strong { display: block; font-family: var(--font-display); font-size: var(--fs-sm); color: var(--color-primary); }
.hero__panel-text span { font-size: var(--fs-xs); color: var(--color-text-faint); }
.hero__panel-badge {
  position: absolute;
  top: -18px; right: 24px;
  background: var(--color-highlight-soft);
  color: var(--brand-navy);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-xs);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-pill);
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(11, 30, 69, 0.06);
}

/* ---- Value / feature cards --------------------------------------------------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-5);
}
.value-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  transition: transform var(--duration-base) var(--ease-out), box-shadow var(--duration-base) var(--ease-out);
}
.value-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.value-card__icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: var(--color-accent-soft);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--space-4);
}
.value-card__icon svg { width: 24px; height: 24px; }
.value-card h3 { margin-bottom: var(--space-2); }
.value-card p { color: var(--color-text-soft); font-size: var(--fs-sm); }

/* ---- Approach / process strip -------------------------------------------------- */
.process-strip {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: var(--space-4);
  margin-top: var(--space-7);
}
.process-step { text-align: center; position: relative; }
.process-step__num {
  width: 40px; height: 40px;
  margin: 0 auto var(--space-3);
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-sm);
  position: relative;
  z-index: 1;
}
.process-step__label {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-sm);
  color: var(--color-primary);
}
.process-strip::before {
  content: none;
}
.process-track {
  position: relative;
}
.process-track::before {
  content: "";
  position: absolute;
  top: 20px; left: 10%; right: 10%;
  height: 2px;
  background: var(--color-border);
  z-index: 0;
}

.feature-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--space-5);
  margin-top: var(--space-7);
}
.feature-item {
  padding: var(--space-5);
  border-radius: var(--radius-md);
  background: var(--color-bg-alt);
}
.feature-item h3 { margin-bottom: var(--space-2); }
.feature-item p { color: var(--color-text-soft); font-size: var(--fs-sm); }

/* ---- About page specifics ------------------------------------------------------ */
.pillar-list {
  display: grid;
  gap: var(--space-5);
  margin-top: var(--space-6);
}
.pillar {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: var(--space-4);
  align-items: start;
}
.pillar__icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-sm);
  background: var(--color-primary);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
}
.pillar__icon svg { width: 22px; height: 22px; }
.pillar p { color: var(--color-text-soft); margin-top: var(--space-1); }

.stat-row {
  display: flex;
  gap: var(--space-7);
  flex-wrap: wrap;
  margin-top: var(--space-6);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-hairline);
}

/* ---- CTA band -------------------------------------------------------------------- */
.cta-band {
  background: var(--color-bg-ink);
  background-image:
    radial-gradient(circle at 12% 20%, rgba(15, 184, 166, 0.22) 0%, rgba(15, 184, 166, 0) 55%),
    radial-gradient(circle at 88% 80%, rgba(15, 184, 166, 0.14) 0%, rgba(15, 184, 166, 0) 55%);
  border-radius: var(--radius-lg);
  padding: var(--space-7);
  text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: var(--color-text-on-dark-soft); max-width: 520px; margin: var(--space-3) auto 0; }
.cta-band .hero__actions { justify-content: center; }
.cta-band .btn-ghost { border-color: var(--color-border-on-dark); color: #fff; }
.cta-band .btn-ghost:hover { background: rgba(255, 255, 255, 0.08); border-color: rgba(255,255,255,0.4); }

/* ---- Contact section ------------------------------------------------------------- */
.contact-section { position: relative; }
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 420px) minmax(0, 1fr);
  gap: var(--space-8);
  align-items: start;
}
.contact-aside__list { margin-top: var(--space-6); display: grid; gap: var(--space-5); }
.contact-block h3 { margin-bottom: var(--space-1); }
.contact-block p, .contact-block a { color: var(--color-text-soft); font-size: var(--fs-sm); }
.contact-block a:hover { color: var(--color-primary); }
.contact-block address { font-style: normal; }

.contact-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: var(--space-6);
}
.contact-form { display: grid; gap: var(--space-4); }
.form-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--space-4); }
.form-field { display: grid; gap: var(--space-2); }
.form-field label {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--fs-xs);
  color: var(--color-primary);
}
.form-field__optional { color: var(--color-text-faint); font-weight: 500; text-transform: none; letter-spacing: 0; }
.form-field input,
.form-field textarea {
  font: inherit;
  font-size: var(--fs-sm);
  padding: 0.8em 1em;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--color-border);
  background: var(--color-bg-alt);
  color: var(--color-text);
  transition: border-color var(--duration-fast) var(--ease-out), background var(--duration-fast) var(--ease-out);
}
.form-field input:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  background: #fff;
}
.form-field textarea { min-height: 120px; resize: vertical; }
.form-status {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--brand-teal-dark);
}
.form-status--error { color: #c0392b; }

/* ---- Footer ------------------------------------------------------------------------ */
.site-footer {
  background: var(--color-bg-ink);
  color: var(--color-text-on-dark-soft);
  padding-block: var(--space-8) var(--space-6);
  margin-top: var(--space-8);
}
.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr) minmax(0, 1.4fr);
  gap: var(--space-7);
  padding-bottom: var(--space-7);
  border-bottom: 1px solid var(--color-border-on-dark);
}
.footer-brand .brand__text { color: #fff; }
.footer-brand p {
  margin-top: var(--space-4);
  max-width: 320px;
  font-size: var(--fs-sm);
  color: var(--color-text-on-dark-soft);
}
.footer-heading {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-xs);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: var(--space-4);
}
.footer-links { display: grid; gap: var(--space-3); }
.footer-links a { font-size: var(--fs-sm); color: var(--color-text-on-dark-soft); transition: color var(--duration-fast) var(--ease-out); }
.footer-links a:hover { color: var(--brand-teal); }

.footer-contact { display: grid; gap: var(--space-5); }
.footer-contact-block strong {
  display: block;
  font-family: var(--font-display);
  font-size: var(--fs-sm);
  color: #fff;
  margin-bottom: var(--space-1);
}
.footer-contact-block address, .footer-contact-block p { font-style: normal; font-size: var(--fs-sm); line-height: 1.7; }
.footer-contact-block a { color: var(--brand-teal); }
.footer-contact-block a:hover { text-decoration: underline; }

.footer-legal {
  padding-top: var(--space-6);
  display: grid;
  gap: var(--space-4);
}
.footer-legal p {
  font-size: var(--fs-xs);
  line-height: 1.7;
  color: var(--color-text-on-dark-soft);
  opacity: 0.85;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-3);
  font-size: var(--fs-xs);
  color: var(--color-text-on-dark-soft);
}

/* ---- Prose (legal pages: Privacy / ToS / E-Comms) ------------------------------------ */
.prose-header {
  background: var(--color-bg-alt);
  padding-block: var(--space-7) var(--space-6);
  border-bottom: 1px solid var(--color-hairline);
}
.prose-header .eyebrow { margin-bottom: var(--space-3); }
.prose-header p { color: var(--color-text-soft); margin-top: var(--space-3); }
.prose-wrap { padding-block: var(--space-7); }
.prose {
  max-width: 760px;
  margin: 0 auto;
}
.prose h2 {
  font-size: var(--fs-xl);
  margin-top: var(--space-7);
  margin-bottom: var(--space-3);
}
.prose h2:first-child { margin-top: 0; }
.prose h3 {
  font-size: var(--fs-md);
  margin-top: var(--space-6);
  margin-bottom: var(--space-2);
}
.prose p { margin-bottom: var(--space-4); color: var(--color-text-soft); }
.prose p, .prose li { font-size: var(--fs-sm); line-height: 1.75; }
.prose strong { color: var(--color-text); }
.prose ul, .prose ol {
  margin: 0 0 var(--space-4);
  padding-left: 1.4em;
  color: var(--color-text-soft);
  display: grid;
  gap: var(--space-2);
}
.prose ul { list-style: disc; }
.prose ol { list-style: decimal; }
.prose a { color: var(--color-primary); text-decoration: underline; text-underline-offset: 2px; }
.prose table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: var(--space-5);
  font-size: var(--fs-xs);
}
.prose th, .prose td {
  text-align: left;
  padding: var(--space-3);
  border: 1px solid var(--color-border);
  vertical-align: top;
}
.prose th { background: var(--color-bg-alt); font-family: var(--font-display); color: var(--color-primary); }
.prose hr { border: none; border-top: 1px solid var(--color-hairline); margin-block: var(--space-6); }
.prose-meta {
  font-size: var(--fs-xs);
  color: var(--color-text-faint);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  margin-bottom: var(--space-2);
}
.prose-toc {
  background: var(--color-bg-alt);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  margin-bottom: var(--space-7);
  display: grid;
  gap: var(--space-2);
}
.prose-toc strong { font-family: var(--font-display); color: var(--color-primary); display: block; margin-bottom: var(--space-2); font-size: var(--fs-sm); }
.prose-toc a { font-size: var(--fs-sm); color: var(--color-text-soft); }
.prose-toc a:hover { color: var(--color-primary); }

/* ---- 404 -------------------------------------------------------------------------------- */
.error-page {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding-block: var(--space-8);
}
.error-page .eyebrow { justify-content: center; }
.error-page p { color: var(--color-text-soft); margin: var(--space-4) auto var(--space-6); max-width: 420px; }

/* ---- Scroll reveal ------------------------------------------------------------------------ */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity var(--duration-slow) var(--ease-out), transform var(--duration-slow) var(--ease-out);
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* ---- Mobile nav panel ---------------------------------------------------------------------- */
.mobile-panel {
  position: fixed;
  inset: 0;
  z-index: 200;
  background: #fff;
  display: none;
  flex-direction: column;
  padding: var(--space-5);
}
.mobile-panel.is-open { display: flex; }
.mobile-panel__head { display: flex; align-items: center; justify-content: space-between; height: var(--header-height); }
.mobile-panel__links { display: grid; gap: var(--space-1); margin-top: var(--space-5); }
.mobile-panel__links a {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-lg);
  color: var(--color-primary);
  padding: var(--space-3) 0;
  border-bottom: 1px solid var(--color-hairline);
}
.mobile-panel__actions { margin-top: auto; display: grid; gap: var(--space-3); }

/* =========================================================================
   Responsive
   ========================================================================= */
@media (max-width: 960px) {
  .nav-primary, .header-actions .btn-ghost { display: none; }
  .nav-toggle { display: inline-flex; }
  /* minmax(0, ...) everywhere below, not bare 1fr — a bare `1fr` track
     keeps the default min-width:auto content-based floor, so a long
     unbroken string (an email address, a phone number) refuses to
     shrink and forces the whole grid — and the page — to overflow
     horizontally instead of wrapping. minmax(0, 1fr) lets the track
     shrink to the container and wrap normally. */
  .hero__grid { grid-template-columns: minmax(0, 1fr); }
  .hero__panel { max-width: 480px; }
  .card-grid, .feature-row { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .process-strip { grid-template-columns: repeat(3, minmax(0, 1fr)); row-gap: var(--space-6); }
  .process-track::before { display: none; }
  .contact-grid { grid-template-columns: minmax(0, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 640px) {
  :root { --fs-4xl: 2.5rem; --fs-2xl: 1.75rem; }
  .section { padding-block: var(--space-7); }
  /* Logo + "Partner With Us" pill + hamburger don't fit together below
     ~480px — drop the header's own CTA and rely on the mobile panel's
     full-width one instead (it's still one tap away). */
  .header-actions .btn-primary { display: none; }
  .card-grid, .feature-row { grid-template-columns: minmax(0, 1fr); }
  .process-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .form-row { grid-template-columns: minmax(0, 1fr); }
  .footer-grid { grid-template-columns: minmax(0, 1fr); gap: var(--space-6); }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero__proof { gap: var(--space-4); }
  .stat-row { gap: var(--space-5); }
}