/* =========================================================
   LoanNest Finance — Design Tokens (v2, per approved prototype)
   ========================================================= */
:root{
  --navy: #16263E;
  --navy-soft: #1C3150;
  --amber: #CB9346;
  --amber-dark: #AC7C3B;
  --white: #FFFFFF;
  --slate: #384860;
  --neutral: #F7F4EF;
  --border: #E7E2D8;

  --font-head: 'Playfair Display', 'Georgia', serif;
  --font-body: 'Inter', 'Arial', sans-serif;

  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0px 4px 24px rgba(22, 38, 62, 0.08);
  --shadow-lift: 0px 14px 34px rgba(22, 38, 62, 0.14);

  --container: 1160px;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }

body{
  margin: 0;
  font-family: var(--font-body);
  color: var(--slate);
  background: var(--white);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img{ max-width: 100%; display: block; }
a{ color: inherit; text-decoration: none; }
ul{ margin: 0; padding: 0; list-style: none; }
button{ font-family: inherit; cursor: pointer; }

h1,h2,h3,h4{
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 .5em;
  letter-spacing: -0.01em;
}
h1{ font-size: 50px; line-height: 1.18; }
h2{ font-size: 34px; line-height: 1.22; }
h3{ font-size: 21px; line-height: 1.32; font-weight: 700; }

p{ margin: 0 0 1em; }
.body-lg{ font-size: 18px; line-height: 1.65; }

:focus-visible{ outline: 3px solid var(--amber); outline-offset: 3px; }

@media (prefers-reduced-motion: reduce){
  *{ animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

/* =========================================================
   Layout helpers
   ========================================================= */
.container{ max-width: var(--container); margin: 0 auto; padding: 0 24px; }
section{ padding: 96px 0; }
.section-neutral{ background: var(--neutral); }
.section-navy{ background: var(--navy); color: rgba(255,255,255,.86); }
.section-navy h1, .section-navy h2, .section-navy h3{ color: var(--white); }
.section-amber{ background: linear-gradient(135deg, var(--amber-dark), var(--amber) 60%, #DDAE63); color: var(--white); }
.section-amber h1, .section-amber h2, .section-amber h3{ color: var(--white); }
.section-tight{ padding: 64px 0; }

.eyebrow{
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--amber-dark);
  margin-bottom: 16px;
}
.section-navy .eyebrow, .section-amber .eyebrow{ color: var(--amber); }
.section-amber .eyebrow{ color: rgba(255,255,255,.92); }

.rule{ width: 64px; height: 3px; background: var(--amber); border: none; margin: 0 0 30px; }
.rule.center{ margin-left: auto; margin-right: auto; }

.section-head{ max-width: 640px; margin-bottom: 52px; }
.section-head.center{ margin-left: auto; margin-right: auto; text-align: center; }
.section-head p{ color: #5b6a82; }
.section-navy .section-head p{ color: rgba(255,255,255,.72); }

/* =========================================================
   Buttons
   ========================================================= */
.btn{
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 15px;
  padding: 16px 32px;
  border-radius: var(--radius-sm);
  transition: background .18s ease, color .18s ease, border-color .18s ease, transform .18s ease, box-shadow .18s ease;
  white-space: nowrap;
}
.btn:hover{ transform: translateY(-1px); }

.btn-primary{ background: var(--amber); color: var(--white); border: 2px solid var(--amber); }
.btn-primary:hover{ background: var(--amber-dark); border-color: var(--amber-dark); }

.btn-outline-dark{ background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.5); }
.btn-outline-dark:hover{ background: rgba(255,255,255,.1); border-color: var(--white); }

.btn-outline-light{ background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-outline-light:hover{ background: rgba(22,38,62,.06); }

.btn-white{ background: var(--white); color: var(--navy); border: 2px solid var(--white); }
.btn-white:hover{ background: transparent; color: var(--white); }

.btn-text{
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-body); font-weight: 700; font-size: 15px; color: var(--navy);
}
.btn-text svg{ width: 16px; height: 16px; transition: transform .18s ease; }
.btn-text:hover svg{ transform: translateX(4px); }
.section-navy .btn-text, .section-amber .btn-text{ color: var(--white); }

.btn-block{ width: 100%; justify-content: center; }

/* =========================================================
   Header / Nav — light, per approved prototype
   ========================================================= */
.site-header{
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--border);
}
.nav-wrap{ display: flex; align-items: center; justify-content: space-between; height: 88px; }
.brand{ display: flex; align-items: center; }
.brand img{ height: 60px; width: auto; }

.nav-links{ display: flex; align-items: center; gap: 32px; }
.nav-links a{
  font-family: var(--font-body); font-weight: 600; font-size: 14.5px;
  color: var(--slate); padding: 6px 0; position: relative; transition: color .18s ease;
}
.nav-links a::after{
  content: ""; position: absolute; left: 0; right: 0; bottom: -4px; height: 2px;
  background: var(--amber); transform: scaleX(0); transform-origin: left; transition: transform .2s ease;
}
.nav-links a:hover, .nav-links a[aria-current="page"]{ color: var(--navy); }
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after{ transform: scaleX(1); }

.nav-cta{ display: flex; align-items: center; gap: 20px; }
.nav-cta .btn{ padding: 12px 24px; font-size: 14px; }

.nav-toggle{ display: none; background: none; border: none; width: 40px; height: 40px; position: relative; }
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after{
  content: ""; position: absolute; left: 8px; right: 8px; height: 2px; background: var(--navy);
  transition: transform .2s ease, opacity .2s ease;
}
.nav-toggle span{ top: 19px; }
.nav-toggle span::before{ top: -7px; }
.nav-toggle span::after{ top: 7px; }
.nav-toggle[aria-expanded="true"] span{ background: transparent; }
.nav-toggle[aria-expanded="true"] span::before{ transform: translateY(7px) rotate(45deg); background: var(--navy); }
.nav-toggle[aria-expanded="true"] span::after{ transform: translateY(-7px) rotate(-45deg); background: var(--navy); }

/* =========================================================
   Hero — navy with soft roofline art (photo placeholder — see note)
   ========================================================= */
.hero{
  position: relative;
  background-image: linear-gradient(100deg, rgba(22,38,62,.97) 0%, rgba(22,38,62,.94) 38%, rgba(22,38,62,.75) 68%, rgba(22,38,62,.5) 100%), url('../assets/images/hero-key.jpg');
  background-size: cover;
  background-position: center right;
  overflow: hidden;
  padding: 84px 0 88px;
}
.hero-bg-motif{ position: absolute; inset: 0; z-index: 1; pointer-events: none; opacity: .35; }
.hero-inner{ position: relative; z-index: 2; max-width: 680px; }
.hero h1{ color: var(--white); }
.hero .body-lg{ color: rgba(255,255,255,.78); max-width: 560px; margin-bottom: 36px; }
.hero-actions{ display: flex; gap: 16px; flex-wrap: wrap; align-items: center; margin-bottom: 44px; }

.stat-row{ display: flex; gap: 44px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,.16); flex-wrap: wrap; }
.stat-row .stat b{ display: block; font-family: var(--font-head); font-size: 28px; color: var(--amber); }
.stat-row .stat span{ font-size: 13px; color: rgba(255,255,255,.62); }

/* Page (interior) hero */
.page-hero{ background: linear-gradient(165deg, var(--navy) 0%, var(--navy-soft) 100%); padding: 76px 0 72px; }
.page-hero h1{ color: var(--white); max-width: 760px; }
.page-hero .body-lg{ color: rgba(255,255,255,.76); max-width: 620px; }
.breadcrumb{ font-size: 12.5px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--amber); margin-bottom: 18px; }

/* =========================================================
   Cards / Grids
   ========================================================= */
.grid{ display: grid; gap: 28px; }
.grid-3{ grid-template-columns: repeat(3, 1fr); }
.grid-2{ grid-template-columns: repeat(2, 1fr); }

.card{
  background: var(--white); border-radius: var(--radius); padding: 36px 32px;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  transition: transform .2s ease, box-shadow .2s ease;
}
.card:hover{ transform: translateY(-4px); box-shadow: var(--shadow-lift); }

.icon-badge{
  width: 56px; height: 56px; border-radius: 50%; background: var(--navy);
  display: flex; align-items: center; justify-content: center; margin-bottom: 22px;
}
.icon-badge svg{ width: 24px; height: 24px; }
.icon-badge.amber{ background: var(--amber); }

.card p{ color: #5b6a82; font-size: 15px; margin-bottom: 0; }
.card h3{ margin-bottom: 10px; font-family: var(--font-head); }

.card-link{
  display: inline-flex; align-items: center; gap: 8px; margin-top: 18px;
  font-family: var(--font-body); font-weight: 700; font-size: 13.5px; color: var(--amber-dark);
}
.card-link svg{ width: 14px; height: 14px; transition: transform .18s ease; }
.card:hover .card-link svg{ transform: translateX(4px); }

/* =========================================================
   Why choose us — navy checklist card (per prototype)
   ========================================================= */
.why-panel{
  background: var(--navy); border-radius: var(--radius); padding: 60px 56px;
  color: rgba(255,255,255,.85);
}
.why-panel h2{ color: var(--white); max-width: 640px; }
.why-panel > p.body-lg{ color: rgba(255,255,255,.72); max-width: 640px; margin-bottom: 36px; }
.check-list{ display: flex; flex-direction: column; gap: 22px; margin-bottom: 40px; }
.check-item{ display: flex; gap: 16px; align-items: flex-start; }
.check-item .tick{
  flex: none; width: 26px; height: 26px; border-radius: 50%; background: rgba(203,147,70,.18);
  display: flex; align-items: center; justify-content: center; margin-top: 2px;
}
.check-item .tick svg{ width: 14px; height: 14px; }
.check-item h4{ font-family: var(--font-body); font-weight: 700; color: var(--white); font-size: 16px; margin: 0 0 4px; }
.check-item p{ color: rgba(255,255,255,.68); margin: 0; font-size: 14.5px; }

/* =========================================================
   Amber statement banner
   ========================================================= */
.statement-banner{
  position: relative; border-radius: var(--radius); overflow: hidden;
  padding: 90px 40px; text-align: center;
}
.statement-banner .rings{ position: absolute; inset: 0; opacity: .35; }
.statement-banner .content{ position: relative; z-index: 2; }
.statement-banner h2{ color: var(--white); font-size: 30px; }
.statement-banner .lead{ font-size: 18px; color: rgba(255,255,255,.85); }

/* =========================================================
   Team
   ========================================================= */
.team-grid{ display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 340px)); justify-content: center; gap: 28px; }
.team-card{
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow); transition: transform .2s ease, box-shadow .2s ease;
  display: block;
}
.team-card:hover{ transform: translateY(-4px); box-shadow: var(--shadow-lift); }
.team-photo{ aspect-ratio: 4/4.4; overflow: hidden; background: var(--neutral); }
.team-photo img{ width: 100%; height: 100%; object-fit: cover; }
.team-info{ padding: 24px 24px 28px; }
.team-name{ font-family: var(--font-head); font-size: 21px; color: var(--navy); margin-bottom: 4px; }
.team-title{ color: var(--amber-dark); font-weight: 700; font-size: 13.5px; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 14px; }
.team-contact{ font-size: 14px; color: #5b6a82; display: flex; flex-direction: column; gap: 3px; }
.team-view{ margin-top: 16px; }

/* Full bio (About page) */
.profile-full{ display: grid; grid-template-columns: 260px 1fr; gap: 48px; align-items: start; padding: 48px 0; border-bottom: 1px solid var(--border); }
.profile-full:last-child{ border-bottom: none; }
.profile-full .team-photo{ border-radius: var(--radius); box-shadow: var(--shadow); }
.profile-bio p{ color: #5b6a82; }
.profile-placeholder{
  background: var(--neutral); border: 1px dashed var(--border); border-radius: var(--radius-sm);
  padding: 22px 24px; color: #7c8aa0; font-size: 14.5px; font-style: italic;
}

/* =========================================================
   Process
   ========================================================= */
.process-list{ display: flex; flex-direction: column; }
.process-step{ display: grid; grid-template-columns: 76px 1fr; gap: 24px; padding: 32px 0; border-top: 2px solid var(--amber); }
.process-step:first-child{ border-top: 2px solid var(--amber); }
.step-num{ font-family: var(--font-head); font-weight: 700; font-size: 30px; color: var(--amber-dark); line-height: 1; }
.process-step h3{ margin-bottom: 8px; }
.process-step p{ color: #5b6a82; margin-bottom: 0; max-width: 640px; }

/* =========================================================
   Contact
   ========================================================= */
.contact-wrap{ display: grid; grid-template-columns: .85fr 1.15fr; gap: 56px; align-items: start; }
.contact-intro h2{ color: var(--white); }
.contact-intro .body-lg{ color: rgba(255,255,255,.74); margin-bottom: 30px; }
.contact-highlight{ display: flex; flex-direction: column; gap: 10px; margin-bottom: 8px; }
.contact-highlight a{ font-family: var(--font-head); font-size: 20px; color: var(--amber); }

.form-card{ background: var(--white); border-radius: var(--radius); padding: 40px; box-shadow: var(--shadow-lift); }
.form-row{ display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.field{ margin-bottom: 20px; }
.field label{ display: block; font-family: var(--font-body); font-weight: 600; font-size: 13.5px; color: var(--navy); margin-bottom: 8px; }
.field input, .field select, .field textarea{
  width: 100%; padding: 13px 16px; border: 1px solid var(--border); border-radius: var(--radius-sm);
  background: var(--neutral); font-family: var(--font-body); font-size: 15px; color: var(--slate);
  transition: border-color .18s ease, background .18s ease;
}
.field input:focus, .field select:focus, .field textarea:focus{ outline: none; border-color: var(--amber); background: var(--white); }
.field textarea{ resize: vertical; min-height: 120px; }
.form-note{ font-size: 13px; color: #93a0b5; margin-top: 4px; }
.honeypot{ position: absolute; left: -9999px; opacity: 0; height: 0; }

/* =========================================================
   Who we help
   ========================================================= */
.who-grid{ display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.who-card{
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px 24px; display: flex; align-items: center; gap: 16px; box-shadow: var(--shadow);
}
.who-card .icon-badge{ margin-bottom: 0; width: 44px; height: 44px; }
.who-card .icon-badge svg{ width: 20px; height: 20px; }
.who-card span.label{ font-family: var(--font-body); font-weight: 700; font-size: 15px; color: var(--navy); }

/* =========================================================
   Disclosure
   ========================================================= */
.disclosure-box{ background: var(--neutral); border: 1px solid var(--border); border-radius: var(--radius); padding: 32px 34px; margin-bottom: 32px; }
.disclosure-box p{ color: #5b6a82; margin-bottom: 0; }
.disclosure-content h2{ font-size: 24px; margin-top: 46px; }
.disclosure-content h2:first-child{ margin-top: 0; }
.disclosure-content p, .disclosure-content li{ color: #384860; }
.disclosure-content ul{ list-style: disc; padding-left: 22px; margin-bottom: 1em; }
.disclosure-content ul li{ margin-bottom: 8px; }
.pending-tag{
  display: inline-block; background: rgba(203,147,70,.14); color: var(--amber-dark);
  font-family: var(--font-body); font-weight: 700; font-size: 11.5px; letter-spacing: .06em;
  text-transform: uppercase; padding: 5px 12px; border-radius: 100px; margin-bottom: 14px;
}

/* =========================================================
   CTA band (reusable)
   ========================================================= */
.cta-band{
  background: var(--navy); border-radius: var(--radius); padding: 56px 48px;
  display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap;
}
.cta-band h2{ color: var(--white); margin-bottom: 6px; }
.cta-band p{ color: rgba(255,255,255,.72); margin-bottom: 0; }
.cta-band-actions{ display: flex; gap: 14px; flex-wrap: wrap; }

/* =========================================================
   Footer — unchanged structure
   ========================================================= */
.site-footer{ background: var(--navy); color: rgba(255,255,255,.7); padding: 72px 0 28px; }
.footer-grid{ display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-brand img{ height: 38px; margin-bottom: 18px; filter: brightness(0) invert(1); }
.footer-brand p{ font-size: 14.5px; max-width: 320px; color: rgba(255,255,255,.6); }
.footer-col h4{ color: var(--white); font-family: var(--font-body); font-size: 13.5px; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul{ display: flex; flex-direction: column; gap: 11px; }
.footer-col a{ font-size: 14.5px; color: rgba(255,255,255,.68); transition: color .18s ease; }
.footer-col a:hover{ color: var(--amber); }
.footer-bottom{ padding-top: 28px; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; font-size: 13px; color: rgba(255,255,255,.45); }
.footer-legal{ max-width: 780px; font-size: 12.5px; line-height: 1.6; color: rgba(255,255,255,.4); margin-top: 18px; }
.footer-disclosure-link{ font-weight: 700; color: var(--amber) !important; }

/* =========================================================
   Reveal-on-scroll + load-in (see js/main.js)
   ========================================================= */
.reveal{
  opacity: 0; transform: translateY(28px);
  transition: opacity .7s cubic-bezier(.22,.61,.36,1), transform .7s cubic-bezier(.22,.61,.36,1);
  transition-delay: var(--reveal-delay, 0s);
}
.reveal.is-visible{ opacity: 1; transform: translateY(0); }

.grid-3 .reveal:nth-child(1), .grid-2 .reveal:nth-child(1), .who-grid .reveal:nth-child(1), .process-list .reveal:nth-child(1){ --reveal-delay: 0s; }
.grid-3 .reveal:nth-child(2), .grid-2 .reveal:nth-child(2), .who-grid .reveal:nth-child(2), .process-list .reveal:nth-child(2){ --reveal-delay: .1s; }
.grid-3 .reveal:nth-child(3), .who-grid .reveal:nth-child(3), .process-list .reveal:nth-child(3){ --reveal-delay: .2s; }
.grid-3 .reveal:nth-child(4), .who-grid .reveal:nth-child(4), .process-list .reveal:nth-child(4){ --reveal-delay: .3s; }
.grid-3 .reveal:nth-child(5), .who-grid .reveal:nth-child(5), .process-list .reveal:nth-child(5){ --reveal-delay: .4s; }
.grid-3 .reveal:nth-child(6), .who-grid .reveal:nth-child(6), .process-list .reveal:nth-child(6){ --reveal-delay: .5s; }
.who-grid .reveal:nth-child(7){ --reveal-delay: .6s; }
.who-grid .reveal:nth-child(8){ --reveal-delay: .7s; }
.who-grid .reveal:nth-child(9){ --reveal-delay: .8s; }
.process-list .reveal:nth-child(7){ --reveal-delay: .6s; }

@media (max-width: 760px){
  .grid-3 .reveal, .grid-2 .reveal, .who-grid .reveal, .process-list .reveal{ --reveal-delay: 0s !important; }
}

@keyframes fadeUpIn{ from{ opacity: 0; transform: translateY(24px); } to{ opacity: 1; transform: translateY(0); } }
.load-in{ opacity: 0; animation: fadeUpIn .85s cubic-bezier(.22,.61,.36,1) forwards; animation-delay: var(--load-delay, 0s); }
@media (prefers-reduced-motion: reduce){ .load-in{ animation: none; opacity: 1; } }

.hero-bg-motif .draw{ stroke-dasharray: 500; stroke-dashoffset: 500; animation: drawLine 1.6s ease forwards .3s; }
@keyframes drawLine{ to{ stroke-dashoffset: 0; } }
@media (prefers-reduced-motion: reduce){ .hero-bg-motif .draw{ animation: none; stroke-dashoffset: 0; } }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 980px){
  h1{ font-size: 40px; } h2{ font-size: 28px; }
  .grid-3{ grid-template-columns: repeat(2,1fr); }
  .who-grid{ grid-template-columns: repeat(2,1fr); }
  .team-grid{ grid-template-columns: repeat(2,1fr); }
  .profile-full{ grid-template-columns: 1fr; }
  .profile-full .team-photo{ max-width: 280px; }
  .contact-wrap{ grid-template-columns: 1fr; }
  .footer-grid{ grid-template-columns: 1fr 1fr; }
  .why-panel{ padding: 44px 32px; }
}

@media (max-width: 760px){
  section{ padding: 64px 0; }
  .hero{
    background-image: linear-gradient(180deg, rgba(22,38,62,.9) 0%, rgba(22,38,62,.97) 55%, rgba(22,38,62,.99) 100%), url('../assets/images/hero-key-mobile.jpg');
    background-position: center top;
  }
  .nav-links{
    position: absolute; top: 88px; left: 0; right: 0; background: var(--white);
    flex-direction: column; align-items: flex-start; gap: 0; padding: 8px 24px 20px;
    border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); display: none;
  }
  .nav-links.is-open{ display: flex; }
  .nav-links a{ width: 100%; padding: 14px 0; }
  .nav-toggle{ display: block; }
  .nav-cta{ gap: 10px; }
  .grid-3, .grid-2{ grid-template-columns: 1fr; }
  .who-grid, .team-grid{ grid-template-columns: 1fr; }
  .form-row{ grid-template-columns: 1fr; }
  .cta-band{ flex-direction: column; align-items: flex-start; }
  .footer-grid{ grid-template-columns: 1fr; }
  .footer-bottom{ flex-direction: column; }
  .process-step{ grid-template-columns: 1fr; gap: 8px; }
}