/* ==========================================================================
   Simple Loan Solutions - site stylesheet
   Palette and components from the approved homepage design.
   ========================================================================== */

:root {
  --deep: #0e3b22;
  --green: #2e9e33;
  --green-dark: #25842a;
  --lime: #7cc93f;
  --mint: #e3f1e1;
  --mint2: #cfe6cd;
  --sage: #edf4ec;
  --cool: #f6f8f7;
  --ink: #1f2a24;
  --body: #4b5563;
  --muted: #6b7280;
  --faint: #9ca3af;
  --line: #e4e7e4;
  --font-display: "Plus Jakarta Sans", Arial, sans-serif;
  --font-body: "Inter", system-ui, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  overflow-x: hidden;
  font-family: var(--font-body);
  color: var(--body);
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  margin: 0;
  font-weight: 800;
  letter-spacing: -0.4px;
}

p { margin: 0; }
a { color: var(--green); text-decoration: none; }
a:hover { color: var(--deep); text-decoration: underline; }
img { max-width: 100%; }

.num { font-variant-numeric: tabular-nums; }
.wrap { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
.wrap--flush { padding: 0; }

/* ---------- Header / pill nav ---------- */

.site-header { position: relative; z-index: 30; background: transparent; }
.site-header__row { display: flex; align-items: center; justify-content: center; padding-top: 26px; position: relative; }
.site-header:not(.site-header--bare) .site-header__row { justify-content: center; }
.site-header--bare .site-header__logo { display: none; }
.site-header__logo { position: absolute; left: 32px; top: 50%; transform: translateY(calc(-50% + 13px)); }
.site-header__logo img { display: block; height: 36px; width: auto; }

.pill-nav {
  display: flex; align-items: center; gap: 26px;
  background: var(--deep); border: 1px solid var(--deep);
  border-radius: 9999px; padding: 12px 28px;
  box-shadow: 0 14px 30px -14px rgba(14, 59, 34, .55);
}
.pill-nav__link {
  display: inline-flex; align-items: center; gap: 6px;
  color: #ffffff; font-family: var(--font-display);
  font-weight: 600; font-size: 15px;
}
.pill-nav__link:hover { color: var(--lime); text-decoration: none; }
.pill-nav__link.is-active { color: var(--lime); text-decoration: underline; text-underline-offset: 6px; text-decoration-thickness: 2px; }
.pill-nav__link.is-active:hover { text-decoration: underline; }

.pill-nav__drop { position: relative; display: inline-flex; align-items: center; }
.pill-nav__menu {
  position: absolute; left: -20px; top: 100%; padding-top: 22px; z-index: 40;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
}
.pill-nav__drop:hover .pill-nav__menu,
.pill-nav__drop:focus-within .pill-nav__menu { opacity: 1; visibility: visible; transform: translateY(0); }
.pill-nav__menu-card {
  display: block; min-width: 236px; background: #ffffff;
  border: 1px solid var(--line); border-radius: 14px; padding: 8px;
  box-shadow: 0 18px 34px -14px rgba(14, 59, 34, .32);
}
.pill-nav__menu-card a {
  display: flex; align-items: center; gap: 12px;
  padding: 9px 14px; border-radius: 9999px;
  font-size: 15px; color: var(--ink); font-family: var(--font-body); font-weight: 500;
}
.pill-nav__menu-card a:hover { background: var(--sage); color: var(--deep); text-decoration: none; }
.pill-nav__menu-icon {
  flex-shrink: 0; display: flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 10px; background: var(--mint);
}

.nav-toggle { display: none; background: transparent; border: none; cursor: pointer; padding: 10px; }
.nav-toggle span { display: block; width: 24px; height: 3px; border-radius: 2px; background: var(--deep); margin: 5px 0; }

/* ---------- Hero ---------- */

.hero { background: #ffffff; margin-top: -74px; }
.hero .wrap { padding: 0; }
.hero__grid { display: grid; grid-template-columns: 1fr 400px; gap: 40px; align-items: end; padding-top: 104px; }
.hero__copy { padding-bottom: 76px; }
.hero__logo { height: 52px; width: auto; display: block; margin-bottom: 30px; }

.hero__h1 { font-size: 52px; line-height: 60px; white-space: nowrap; }
.hero__sub { font-size: 20px; line-height: 32px; margin-top: 18px; max-width: 620px; }

.rotate { position: relative; display: inline-block; overflow: hidden; vertical-align: bottom; color: var(--green); }
.rotate__sizer { visibility: hidden; }
.rotate__word {
  position: absolute; left: 0; right: 0; top: 0; white-space: nowrap; text-align: center;
  opacity: 0; animation: word-cycle 10.4s cubic-bezier(.4, 0, .2, 1) infinite;
}
.rotate__word:nth-child(2) { animation-name: word-cycle-long; animation-delay: 0s; }
.rotate__word:nth-child(3) { animation-delay: 5.2s; letter-spacing: 1px; }
.rotate__word:nth-child(4) { animation-delay: 7.8s; }
@keyframes word-cycle-long {
  0% { opacity: 0; transform: translateY(90%); }
  3% { opacity: 1; transform: translateY(0); }
  47% { opacity: 1; transform: translateY(0); }
  50% { opacity: 0; transform: translateY(-90%); }
  100% { opacity: 0; transform: translateY(-90%); }
}
@keyframes word-cycle {
  0% { opacity: 0; transform: translateY(90%); }
  6% { opacity: 1; transform: translateY(0); }
  22% { opacity: 1; transform: translateY(0); }
  25% { opacity: 0; transform: translateY(-90%); }
  100% { opacity: 0; transform: translateY(-90%); }
}

.request-form { margin-top: 32px; max-width: 680px; background: #ffffff; }
.request-form__top { display: flex; align-items: center; justify-content: space-between; }
.request-form__label { font-family: var(--font-display); font-size: 24px; font-weight: 700; color: var(--ink); }
.request-form__amount { font-family: var(--font-display); font-size: 38px; line-height: 36px; font-weight: 800; letter-spacing: -1px; color: var(--deep); }

.range {
  --pct: 44%;
  -webkit-appearance: none; appearance: none; width: 100%; height: 10px;
  border-radius: 9999px; outline: none; cursor: pointer; margin-top: 22px; border: none;
  background: linear-gradient(90deg, var(--green) 0%, var(--green) var(--pct), #dfe3dd var(--pct), #dfe3dd 100%);
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 32px; height: 32px; border-radius: 50%;
  background: #ffffff; border: 4px solid var(--green);
  box-shadow: 0 3px 8px rgba(14, 59, 34, .28); cursor: grab;
}
.range::-moz-range-thumb {
  width: 32px; height: 32px; border-radius: 50%; background: #ffffff;
  border: 4px solid var(--green); box-shadow: 0 3px 8px rgba(14, 59, 34, .28); cursor: grab;
}
.range:focus-visible { outline: 3px solid var(--lime); outline-offset: 5px; }

.range-scale { display: flex; justify-content: space-between; margin-top: 10px; font-size: 12px; color: var(--muted); }

.chips { display: flex; gap: 9px; margin-top: 20px; }
.chip {
  flex-grow: 1; height: 46px; border-radius: 6px; border: 1.5px solid var(--line);
  background: #ffffff; color: var(--body); font-family: var(--font-display);
  font-size: 14px; font-weight: 700; cursor: pointer;
}
.chip:hover { border-color: var(--green); }
.chip.is-on { background: var(--green); border-color: var(--green); color: #ffffff; }

.cta-main {
  position: relative; overflow: hidden; isolation: isolate;
  width: 100%; height: 64px; margin-top: 22px; border: none; border-radius: 20px;
  color: #ffffff; font-family: var(--font-display); font-size: 19px; font-weight: 700; cursor: pointer;
  background: linear-gradient(100deg, var(--deep) 0%, var(--green) 100%);
  animation: cta-breathe 3s ease-in-out infinite;
}
.cta-main::before {
  content: ""; position: absolute; top: 50%; left: 50%; width: 0; padding-bottom: 0; z-index: 1;
  border-radius: 50%; background: var(--deep); transform: translate(-50%, -50%);
  transition: width .36s cubic-bezier(.4, 0, .2, 1), padding-bottom .36s cubic-bezier(.4, 0, .2, 1);
}
.cta-main:hover::before { width: 230%; padding-bottom: 230%; }
.cta-main:hover { animation-play-state: paused; }
.cta-main__sheen { position: absolute; inset: 0; z-index: 2; pointer-events: none; transition: opacity .18s ease; }
.cta-main:hover .cta-main__sheen { opacity: 0; }
.cta-main__sheen::after {
  content: ""; position: absolute; top: -25%; left: -45%; width: 28%; height: 150%;
  transform: skewX(-18deg);
  background: linear-gradient(90deg, rgba(255,255,255,0), rgba(255,255,255,.4), rgba(255,255,255,0));
  animation: cta-sweep 3.6s cubic-bezier(.4, 0, .2, 1) infinite;
}
.cta-main__label { position: relative; z-index: 3; }
.cta-main--inline { display: inline-flex; align-items: center; justify-content: center; width: auto; padding: 0 38px; height: 58px; margin-top: 32px; text-decoration: none; }
.cta-main--inline:hover { color: #ffffff; text-decoration: none; }
a.cta-main { display: flex; align-items: center; justify-content: center; text-decoration: none; }
a.cta-main:hover { color: #ffffff; text-decoration: none; }
.loan-cta-band .cta-main--inline { margin: 0 0 0 auto; flex-shrink: 0; }

@keyframes cta-sweep { 0% { left: -45%; } 42% { left: 132%; } 100% { left: 132%; } }
@keyframes cta-breathe {
  0%, 100% { box-shadow: 0 0 0 0 rgba(14, 59, 34, .42); }
  50% { box-shadow: 0 0 0 14px rgba(14, 59, 34, 0); }
}

.fine-print { font-size: 11px; line-height: 17px; color: var(--muted); margin-top: 14px; text-align: center; }
.ssl-line {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--line);
  font-size: 12px; color: var(--muted);
}

.hero__media { position: relative; height: 620px; left: 60px; }
.hero__rect { position: absolute; border-radius: 10px; }
.hero__rect--dark { right: 80px; bottom: 60px; width: 360px; height: 450px; background: var(--mint2); }
.hero__rect--light { right: 128px; bottom: 96px; width: 360px; height: 440px; background: var(--mint); }
.hero__figure {
  position: absolute; left: 30%; bottom: 0; transform: translateX(-50%);
  display: block; height: 620px; width: auto;
}
.fact-strip {
  position: absolute; left: 33%; transform: translateX(-50%); bottom: 40px;
  display: flex; background: #ffffff; border-radius: 8px; overflow: hidden;
  box-shadow: 0 20px 38px -12px rgba(14, 59, 34, .3);
}
.fact-strip__cell { padding: 14px 18px; text-align: center; border-right: 1px solid #eceeeb; }
.fact-strip__cell:last-child { border-right: none; }
.fact-strip__value { display: block; font-family: var(--font-display); font-size: 16px; font-weight: 700; color: var(--deep); }
.fact-strip__label { font-size: 11px; color: var(--muted); }

/* ---------- Section shells ---------- */

.section { padding: 86px 0; }
.section--sage { background: var(--sage); padding: 78px 0; }
.section--cool { background: var(--cool); }
.section__h2 { font-size: 38px; line-height: 46px; }
.section__intro { font-size: 17px; line-height: 27px; margin-top: 12px; }

/* ---------- Loan tiles + rail ---------- */

.tiles { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; margin-top: 32px; }
.tile {
  background: #ffffff; border: 1px solid var(--green); border-radius: 10px;
  padding: 22px 18px; cursor: pointer; text-align: left;
  box-shadow: 0 8px 22px -12px rgba(46, 158, 51, .5);
  transition: box-shadow .18s ease; font-family: var(--font-body); display: block; width: 100%;
}
.tile:hover { box-shadow: 0 10px 24px -12px rgba(14, 59, 34, .42); }
.tile__chip {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  width: 62px; height: 62px;
  background: url("../images/icons/squircle-mint.svg") no-repeat center / 62px 62px;
}
.tile.is-on .tile__chip { background-image: url("../images/icons/squircle-white.svg"); }
.tile__chip img { position: relative; display: block; width: 38px; height: 38px; }
.tile__title { font-size: 16px; line-height: 22px; margin-top: 14px; color: var(--ink); }
.tile__desc { margin: 5px 0 0; font-size: 12.5px; line-height: 19px; color: var(--body); }
.tile.is-on { background: var(--deep); border-color: var(--deep); }
.tile.is-on .tile__title { color: #ffffff; }
.tile.is-on .tile__desc { color: #a9c9b1; }

.rail {
  display: flex; align-items: center; gap: 30px; margin-top: 16px;
  background: #ffffff; border: 1px solid var(--green); border-radius: 10px;
  padding: 22px 26px; box-shadow: 0 8px 22px -12px rgba(46, 158, 51, .5);
}
.rail__teaser { font-size: 17px; line-height: 27px; max-width: 760px; }
.rail__go {
  margin-left: auto; flex-shrink: 0; display: inline-flex; align-items: center; gap: 9px;
  height: 50px; padding: 0 26px; border-radius: 20px; background: var(--green);
  color: #ffffff; font-family: var(--font-display); font-size: 15px; font-weight: 700;
}
.rail__go:hover { background: var(--deep); color: #ffffff; text-decoration: none; }

/* ---------- Three steps ---------- */

.steps-grid { display: grid; grid-template-columns: 520px 1fr; gap: 60px; align-items: center; margin-top: 48px; }
.steps-media { position: relative; }
.steps-media__rect {
  position: absolute; left: 22px; right: -20px; top: 20px; height: 600px;
  border-radius: 10px; background: var(--mint);
}
.steps-media img { position: relative; display: block; width: 100%; height: 600px; object-fit: cover; border-radius: 10px; }

.step { display: flex; gap: 22px; align-items: center; padding: 18px 0; }
.step__mark {
  position: relative; flex-shrink: 0; width: 56px; height: 62px;
  display: flex; align-items: center; justify-content: center;
}
.step__mark img { position: absolute; top: 0; left: 0; width: 56px; height: 66px; }
.step__num {
  position: relative; left: 2px; top: -2px; color: #ffffff;
  font-family: var(--font-display); font-size: 19px; font-weight: 800;
}
.step__title { font-size: 20px; line-height: 27px; }
.step__body { font-size: 16px; line-height: 26px; margin-top: 8px; }

/* ---------- Statement band + phone ---------- */

.stmt-grid { display: grid; grid-template-columns: 1fr 420px; gap: 80px; align-items: center; }
.stmt-grid h2 { font-size: 46px; line-height: 56px; }
.stmt-grid .section__intro { font-size: 18px; line-height: 30px; margin-top: 22px; }
.btn-green {
  display: inline-block; margin-top: 32px; height: 58px; line-height: 58px; padding: 0 36px;
  border: none; border-radius: 8px; background: var(--green); color: #ffffff;
  font-family: var(--font-display); font-size: 17px; font-weight: 700; cursor: pointer; text-decoration: none;
}
.btn-green:hover { background: var(--green-dark); color: #ffffff; text-decoration: none; }

.phone { justify-self: center; position: relative; width: 293px; height: 620px; margin-right: 120px; }
.phone__frame { position: absolute; inset: 0; display: block; width: 293px; height: 620px; }
.phone__screen {
  position: absolute; left: 19px; top: 40px; width: 256px; height: 526px;
  overflow: hidden; display: flex; flex-direction: column; padding: 30px 20px 16px;
}
.phone__title { font-family: var(--font-display); font-size: 15px; font-weight: 700; color: var(--ink); }
.phone__track { display: flex; align-items: center; gap: 7px; margin-top: 18px; }
.phone__seg { flex-grow: 1; height: 6px; border-radius: 9999px; background: var(--green); }
.phone__seg--off { background: #dfe3dd; }
.phone__stages { display: flex; justify-content: space-between; margin-top: 9px; font-size: 10px; color: var(--muted); }
.phone__card { margin-top: 24px; background: var(--sage); border-radius: 8px; padding: 18px; }
.phone__eyebrow { font-size: 10px; letter-spacing: 1.1px; text-transform: uppercase; color: var(--muted); }
.phone__amount { font-family: var(--font-display); font-size: 32px; font-weight: 800; letter-spacing: -0.8px; color: var(--deep); margin-top: 5px; }
.phone__rows { display: flex; flex-direction: column; gap: 8px; margin-top: 14px; font-size: 13px; }
.phone__row { display: flex; justify-content: space-between; }
.phone__row span:last-child { color: var(--ink); font-weight: 600; }
.phone__fine { font-size: 10px; line-height: 16px; color: var(--muted); margin-top: 16px; }

/* ---------- Rate table ---------- */

.rate-scroll { margin-top: 42px; overflow-x: auto; }
.rate-table { min-width: 780px; border-radius: 8px; overflow: hidden; box-shadow: 0 10px 30px -16px rgba(14, 59, 34, .28); }
.rate-table__head {
  display: grid; grid-template-columns: repeat(5, minmax(0, 1fr));
  background: linear-gradient(90deg, var(--deep) 0%, var(--green) 62%, var(--lime) 100%);
}
.rate-table__head span { padding: 20px 22px; font-family: var(--font-display); font-size: 14px; font-weight: 700; color: #ffffff; }
.rate-table__row { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); background: #ffffff; }
.rate-table__row:nth-child(odd) { background: #f7faf6; }
.rate-table__row span { padding: 20px 22px; font-size: 15px; }
.rate-table__row span:first-child { font-family: var(--font-display); font-size: 17px; font-weight: 700; color: var(--ink); }
.rate-table__row span:nth-child(4) { color: var(--ink); font-weight: 600; }
.table-note { font-size: 12px; line-height: 20px; color: var(--muted); margin-top: 18px; }

/* ---------- FAQ ---------- */

.faq-hero { display: block; width: 440px; height: auto; margin: 0 auto 26px; }
.faq-center { text-align: center; }
.faq-center .section__intro { max-width: 640px; margin-left: auto; margin-right: auto; }

.faq-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 60px; margin-top: 40px; align-items: start; }
.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  background: #ffffff; border: 1px solid var(--line); border-radius: 10px;
  padding: 17px 20px; cursor: pointer; text-align: left; font-family: var(--font-body);
}
.faq-q__text { font-family: var(--font-display); font-size: 15px; font-weight: 700; color: var(--ink); }
.faq-q:hover .faq-q__text { color: var(--green); }
.faq-q__arrows { flex-shrink: 0; display: flex; }
.faq-q__arrows img { display: block; }
.faq-q__arrows img + img { display: none; }
.faq-q.is-on { background: var(--deep); border-color: var(--deep); }
.faq-q.is-on .faq-q__text { color: #ffffff; }
.faq-q.is-on .faq-q__arrows img { display: none; }
.faq-q.is-on .faq-q__arrows img + img,
.faq-q.is-on .faq-q__arrows img + img + img,
.faq-q.is-on .faq-q__arrows img + img + img + img { display: block; }
.faq-q.is-on .faq-q__arrows img:nth-child(n+2) { animation: chev-march 1.2s ease-in-out infinite; }
.faq-q.is-on .faq-q__arrows img:nth-child(3) { animation-delay: .15s; margin-left: -4px; }
.faq-q.is-on .faq-q__arrows img:nth-child(4) { animation-delay: .3s; margin-left: -4px; }
@keyframes chev-march {
  0%, 100% { opacity: .25; transform: translateX(0); }
  50% { opacity: 1; transform: translateX(3px); }
}

.faq-q__inline { display: none; }
.faq-item .faq-q { width: 100%; }

.faq-panel {
  background: var(--sage); border-radius: 12px; padding: 36px 34px;
  align-self: stretch; display: flex; flex-direction: column;
}
.faq-panel__q { font-family: var(--font-display); font-size: 22px; line-height: 30px; font-weight: 800; color: var(--ink); }
.faq-panel__a { font-size: 16px; line-height: 28px; margin-top: 14px; }
.faq-panel__link {
  align-self: flex-end; margin-top: auto; padding-top: 16px;
  display: inline-flex; align-items: center; gap: 7px;
  font-family: var(--font-display); font-size: 15px; font-weight: 700; color: var(--green);
}

/* flat FAQ list (faq.php) */
.faq-flat { max-width: 900px; margin: 40px auto 0; display: flex; flex-direction: column; gap: 14px; }
.faq-flat__item { padding: 10px 0; }
.faq-flat__head { display: flex; align-items: center; gap: 14px; }
.faq-flat__item h2 {
  display: inline-block; font-size: 17px; line-height: 24px; font-weight: 500;
  background: var(--deep); color: #ffffff; border-radius: 9999px;
  padding: 10px 24px;
  box-shadow: 0 10px 22px -12px rgba(14, 59, 34, .5);
}
.faq-flat__leaf { flex-shrink: 0; width: 26px; height: 30px; }
.faq-flat__item p { padding-left: 40px; }
.faq-flat__item p { font-size: 16px; line-height: 27px; margin-top: 10px; }

/* accordion variant (faq.php) */
.acc { display: flex; flex-direction: column; gap: 12px; margin-top: 40px; }
.acc__item { border: 1px solid var(--line); border-radius: 10px; overflow: hidden; background: #ffffff; }
.acc__item.is-open { background: var(--sage); border-color: #cfe3cd; }
.acc__q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 22px;
  padding: 22px 26px; background: transparent; border: none; cursor: pointer; text-align: left;
}
.acc__q span { font-family: var(--font-display); font-size: 17px; font-weight: 700; color: var(--ink); }
.acc__sign {
  flex-shrink: 0; width: 30px; height: 30px; border-radius: 50%;
  background: var(--mint); display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: 18px; font-weight: 700; color: var(--green);
  padding-bottom: 4px;
}
.acc__item.is-open .acc__sign { background: var(--green); color: #ffffff; }
.acc__a { display: none; padding: 0 26px 24px; font-size: 16px; line-height: 26px; }
.acc__item.is-open .acc__a { display: block; }

/* ---------- Final CTA ---------- */

.cta-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 26px; }
.cta-grid > img { display: block; width: 100%; height: 100%; object-fit: cover; border-radius: 10px; }
.cta-col { display: flex; flex-direction: column; gap: 26px; align-self: stretch; }
.cta-box {
  flex-grow: 1; background: var(--deep); border-radius: 10px; padding: 40px 62px;
  display: flex; flex-direction: column; justify-content: center;
}
.cta-box h2 { font-size: 42px; line-height: 52px; color: #ffffff; }
.cta-box h2 .accent { color: var(--lime); }
.cta-box p { font-size: 17px; line-height: 28px; color: #bcd2c0; margin-top: 20px; }
.cta-col .btn-green { width: 100%; margin-top: 0; text-align: center; }

/* ---------- Footer ---------- */

.site-footer { background: var(--sage); border-top: 1px solid var(--line); padding: 58px 0 38px; }
.is-home .site-footer { background: #ffffff; }
.site-footer__cols { display: grid; grid-template-columns: 1fr 190px 170px 190px; gap: 40px; align-items: start; justify-items: center; text-align: center; }
.site-footer__brand img { display: block; height: 42px; width: auto; margin: 0 auto; }
.site-footer__brand p { font-size: 14px; line-height: 24px; margin-top: 16px; max-width: 340px; margin-left: auto; margin-right: auto; }
.site-footer__title { font-size: 14px; font-weight: 700; }
.site-footer__title--muted { font-size: 13px; letter-spacing: .6px; text-transform: uppercase; color: var(--muted); }
.site-footer__links { list-style: none; margin: 14px 0 0; padding: 0; display: flex; flex-direction: column; gap: 10px; font-size: 14px; }
.site-footer__links a { color: var(--body); }
.site-footer__links a:hover { color: var(--deep); }
.site-footer__disclosure { margin-top: 40px; padding-top: 26px; border-top: 1px solid var(--line); }
.site-footer__disclosure-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 48px; margin-top: 16px; }
.site-footer__disclosure-grid p { font-size: 11px; line-height: 18px; color: var(--muted); }
.site-footer__disclosure-grid strong { color: var(--body); }
.site-footer__bottom { margin-top: 28px; padding-top: 20px; border-top: 1px solid var(--line); text-align: center; }
.site-footer__bottom p { font-size: 12px; color: var(--muted); }

/* ---------- Interior pages ---------- */

.page-head { padding: 64px 0 0; }
.page-head--center { text-align: center; }
.page-head__row { display: flex; align-items: center; gap: 22px; }
.page-head__icon {
  flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center;
  width: 84px; height: 84px;
  background: url("../images/icons/squircle-mint.svg") no-repeat center / 84px 84px;
}
.page-head__row h1 { margin: 0; }
.page-head__sub { margin-top: 18px; }
.page-head__icon img { width: 52px; height: 52px; }
.page-head h1 { font-size: 44px; line-height: 52px; }
.page-head__sub { font-size: 18px; line-height: 29px; margin-top: 14px; }
.page-head--center .page-head__sub { margin-left: auto; margin-right: auto; }

/* Loan-page hero layouts (A-E, one per page for review) */

.lh-bleed { position: relative; background: var(--sage); overflow: hidden; }
.lh-bleed .wrap { position: relative; z-index: 2; }
.lh-bleed__copy { max-width: 56%; padding: 72px 0; }
.lh-bleed__img {
  position: absolute; right: 0; top: 0; bottom: 0; width: 42%;
  height: 100%; object-fit: cover;
}

.lh-banner { position: relative; margin-top: 40px; padding-bottom: 44px; }
.lh-banner > img { display: block; width: 100%; height: 440px; object-fit: cover; border-radius: 10px; }
.lh-banner__facts {
  position: absolute; left: 40px; right: 40px; bottom: 0;
  display: flex; gap: 14px; flex-wrap: wrap;
}
.lh-banner__facts .fact-chip { background: #ffffff; box-shadow: 0 14px 30px -14px rgba(14, 59, 34, .35); }

.lh-overlap { position: relative; padding: 64px 0 20px; }
.lh-overlap__img {
  display: block; width: 62%; margin-left: auto; height: 560px;
  object-fit: cover; border-radius: 10px;
}
.lh-overlap__card {
  position: absolute; left: 0; top: 50%; transform: translateY(-50%); z-index: 2;
  width: 52%; background: #ffffff; border-radius: 10px; padding: 40px 44px;
  box-shadow: 0 24px 48px -20px rgba(14, 59, 34, .35);
}

.lh-overlay { position: relative; overflow: hidden; }
.lh-overlay__bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.lh-overlay::before {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(100deg, rgba(14, 59, 34, .96) 0%, rgba(14, 59, 34, .88) 46%, rgba(14, 59, 34, .35) 100%);
}
.lh-overlay__inner { position: relative; z-index: 2; padding-top: 72px; padding-bottom: 72px; }
.lh-overlay__inner h1 { color: #ffffff; }
.lh-overlay__inner .page-head__sub { color: #d9e6dc; max-width: 640px; }
.lh-overlay__inner .fact-chip { background: rgba(255, 255, 255, .95); }
.page-head__icon--light { background-image: url("../images/icons/squircle-white.svg"); }

.lh-split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 56px; align-items: center; padding-top: 64px; }
.lh-split__img { display: block; width: 100%; height: 520px; object-fit: cover; border-radius: 10px; }
.lh-split .page-head__sub, .lh-bleed .page-head__sub, .lh-overlap .page-head__sub { max-width: none; }

.prose { max-width: 900px; margin-left: auto; margin-right: auto; }
.prose h2 { font-size: 28px; line-height: 36px; margin-top: 40px; }
.prose h3 { font-size: 20px; line-height: 28px; margin-top: 28px; }
.prose p { font-size: 16px; line-height: 28px; margin-top: 16px; }
.prose ul, .prose ol { margin: 16px 0 0; padding-left: 24px; font-size: 16px; line-height: 28px; }
.prose li { margin-top: 8px; }

.facts-row { display: flex; gap: 14px; margin-top: 30px; flex-wrap: wrap; }
.fact-chip { background: var(--sage); border-radius: 8px; padding: 14px 22px; }
.fact-chip b { display: block; font-family: var(--font-display); font-size: 17px; color: var(--deep); }
.fact-chip span { font-size: 12px; color: var(--muted); }

.loan-cta-band { background: var(--deep); border-radius: 10px; padding: 40px 48px; margin-top: 56px;
  display: flex; align-items: center; gap: 30px; }
.loan-cta-band h2 { color: #ffffff; font-size: 26px; line-height: 34px; }
.loan-cta-band p { color: #bcd2c0; font-size: 15px; line-height: 24px; margin-top: 8px; }
.loan-cta-band .btn-green { margin: 0 0 0 auto; flex-shrink: 0; }

/* ---------- Tools ---------- */

.tool-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; margin-top: 40px; }
.tool-card {
  display: block; background: #ffffff; border: 1px solid var(--line); border-radius: 10px;
  padding: 30px 30px 26px; color: var(--body);
  box-shadow: 0 8px 22px -14px rgba(14, 59, 34, .2); transition: box-shadow .18s ease;
}
.tool-card:hover { box-shadow: 0 12px 28px -12px rgba(46, 158, 51, .45); text-decoration: none; color: var(--body); }
.tool-card h2 { font-size: 20px; line-height: 27px; }
.tool-card p { font-size: 15px; line-height: 24px; margin-top: 8px; }
.tool-card__go { display: inline-flex; align-items: center; gap: 7px; margin-top: 16px;
  font-family: var(--font-display); font-size: 14px; font-weight: 700; color: var(--green); }

.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-top: 40px; align-items: start; }
.calc__inputs { background: #ffffff; border: 1px solid var(--line); border-radius: 10px; padding: 30px;
  box-shadow: 0 8px 22px -14px rgba(14, 59, 34, .2); }
.calc__field { margin-top: 18px; }
.calc__field:first-child { margin-top: 0; }
.calc__field label { display: block; font-family: var(--font-display); font-size: 14px; font-weight: 700; color: var(--ink); margin-bottom: 8px; }
.calc__field input, .calc__field select {
  width: 100%; height: 48px; border: 1.5px solid var(--line); border-radius: 6px;
  padding: 0 14px; font-family: var(--font-body); font-size: 16px; color: var(--ink); background: #ffffff;
}
.calc__field input:focus, .calc__field select:focus { outline: 2px solid var(--lime); border-color: var(--green); }
.calc__results { background: var(--sage); border-radius: 10px; padding: 30px; }
.calc__results h2 { font-size: 18px; }
.calc__stat { display: flex; justify-content: space-between; align-items: baseline; padding: 14px 0; border-bottom: 1px solid #d9e0d6; }
.calc__stat:last-child { border-bottom: none; }
.calc__stat span { font-size: 14px; }
.calc__stat b { font-family: var(--font-display); font-size: 22px; color: var(--deep); }
.calc__note { font-size: 12px; line-height: 19px; color: var(--muted); margin-top: 14px; }

/* ---------- Contact ---------- */

.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 60px; margin-top: 40px; align-items: start; }
.contact-form { background: #ffffff; border: 1px solid var(--line); border-radius: 10px; padding: 30px;
  box-shadow: 0 8px 22px -14px rgba(14, 59, 34, .2); }
.contact-form .calc__field textarea {
  width: 100%; min-height: 140px; border: 1.5px solid var(--line); border-radius: 6px;
  padding: 12px 14px; font-family: var(--font-body); font-size: 16px; color: var(--ink); resize: vertical;
}
.form-msg { border-radius: 8px; padding: 14px 18px; font-size: 15px; margin-bottom: 18px; }
.form-msg--ok { background: var(--mint); color: var(--deep); }
.form-msg--err { background: #fbeaea; color: #8a2424; }
.hp-field { position: absolute; left: -9999px; top: -9999px; }

/* ---------- 404 ---------- */

.notfound { text-align: center; padding: 110px 0 130px; }
.notfound h1 { font-size: 120px; line-height: 1; color: var(--deep); }
.notfound p { font-size: 18px; margin-top: 16px; }
.notfound .btn-green { margin-top: 30px; }

/* ---------- Motion preferences ---------- */

@media (prefers-reduced-motion: reduce) {
  .rotate__word { animation: none; opacity: 0; }
  .rotate__word:nth-child(2) { opacity: 1; }
  .cta-main, .cta-main__sheen::after { animation: none; }
  .cta-main::before { transition: none; }
  .faq-q.is-on .faq-q__arrows img { animation: none; opacity: 1; }
  .pill-nav__menu { transition: none; }
}

/* ---------- Responsive ---------- */

@media (max-width: 1180px) {
  .hero__grid, .steps-grid, .stmt-grid, .faq-grid, .cta-grid, .contact-grid, .calc, .lh-split { grid-template-columns: minmax(0, 1fr); gap: 48px; }
  .hero .wrap { padding: 0 32px; }
  .hero__h1 { white-space: normal; }
  .hero__media { left: 0; height: 540px; }
  .hero__figure { height: 540px; }
  .hero__rect--dark { width: 300px; height: 400px; right: 60px; }
  .hero__rect--light { width: 300px; height: 390px; right: 88px; }
  .fact-strip { left: 50%; bottom: 20px; }
  .tiles { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .site-footer__cols { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps-media img { height: 480px; }
  .steps-media__rect { height: 480px; }
  .phone { margin-right: 0; }
  .rail { flex-direction: column; align-items: flex-start; gap: 16px; }
  .rail__go { margin-left: 0; }
  .tool-cards { grid-template-columns: minmax(0, 1fr); }
}

@media (max-width: 1180px) {
  .lh-bleed__copy { max-width: 100%; }
  .lh-bleed__img { position: static; width: 100%; height: 360px; }
  .lh-overlap__img { width: 100%; height: 420px; }
  .lh-overlap__card { position: static; transform: none; width: 100%; margin-top: -60px; }
  .lh-split__img { height: 380px; }
}

/* Tablet band: keep the hero side by side, everything 20% smaller */
@media (min-width: 761px) and (max-width: 1180px) {
  .hero__grid { grid-template-columns: minmax(0, 1fr) 320px; gap: 28px; }
  .chips { flex-wrap: wrap; }
  .chip { flex-basis: 30%; }
  .hero .wrap { padding: 0 32px; }
  .hero__h1 { white-space: normal; font-size: 42px; line-height: 50px; }
  .request-form { max-width: 544px; }
  .hero__media { left: 0; height: 496px; margin: 0; width: 100%; }
  .hero__figure { height: 496px; left: 50%; }
  .hero__rect--dark { width: 288px; height: 360px; right: 26px; bottom: 48px; }
  .hero__rect--light { width: 288px; height: 352px; right: 44px; bottom: 70px; }
  .fact-strip { left: 50%; bottom: 24px; }
  .fact-strip__cell { padding: 11px 13px; }
  .fact-strip__value { font-size: 14px; }

  /* header: logo left of the centered pill, both on one line */
  .site-header__row { justify-content: space-between; }
  .site-header--bare .site-header__logo { display: block; }
  .site-header__logo { position: static; transform: none; }
  .site-header__logo img { height: 32px; }
  .hero__logo { display: none; }
  .pill-nav { gap: 18px; padding: 10px 20px; }
  .pill-nav__link { font-size: 14px; }

  /* loan tiles: wrapping row, every row of cards centered */
  .tiles { display: flex; flex-wrap: wrap; justify-content: center; }
  .tiles .tile { width: 215px; flex-grow: 0; }

  /* three steps + statement band: whole section 70% wide and centered, titles included */
  .section:has(.steps-grid) > .wrap,
  .section:has(.stmt-grid) > .wrap { max-width: 70%; }
  .section:has(.steps-grid) > .wrap > .section__h2,
  .section:has(.steps-grid) > .wrap > .section__intro { text-align: center; }

  /* FAQ: answer inline under the selected question */
  .faq-panel { display: none; }
  .faq-grid { grid-template-columns: minmax(0, 1fr); max-width: 70%; margin-left: auto; margin-right: auto; }
  .faq-item.is-on .faq-q__inline {
    display: block; margin: 0; padding: 14px 20px 18px;
    background: var(--sage); border: 1px solid #cfe3cd; border-top: none;
    border-radius: 0 0 10px 10px; font-size: 15px; line-height: 25px;
  }
  .faq-item.is-on .faq-q { border-radius: 10px 10px 0 0; }
}

@media (max-width: 760px) {
  .tiles, .site-footer__cols, .site-footer__disclosure-grid { grid-template-columns: minmax(0, 1fr); }
  .hero__h1 { font-size: 38px; line-height: 46px; }
  .section__h2 { font-size: 30px; line-height: 38px; }
  .stmt-grid h2 { font-size: 32px; line-height: 40px; }
  .cta-box { padding: 32px 28px; }
  .cta-box h2 { font-size: 30px; line-height: 38px; }
  .page-head h1 { font-size: 34px; line-height: 42px; }
  .chips { flex-wrap: wrap; }
  .chip { flex-basis: 30%; }
  .faq-hero { width: 320px; }

  /* header: hamburger pinned left, logo centered, on every page */
  .site-header__row { justify-content: center; flex-direction: row; position: relative; }
  .site-header--bare .site-header__logo { display: block; }
  .site-header__logo { position: static; transform: none; }
  .site-header__logo img { height: 27px; }
  .nav-toggle { display: block; position: absolute; left: 20px; top: calc(50% + 13px); transform: translateY(-50%); }
  .hero__logo { display: none; }

  .pill-nav {
    position: absolute; top: calc(100% + 10px); left: 32px; right: 32px; z-index: 50;
    flex-direction: column; align-items: stretch; gap: 4px;
    border-radius: 14px; padding: 14px; display: none;
  }
  .pill-nav.is-open { display: flex; }
  .pill-nav__link { padding: 10px 12px; }

  /* dropdown card stacks below its item, full width */
  .pill-nav__drop { display: block; }
  .pill-nav__drop > .pill-nav__link { width: 100%; }
  .pill-nav__menu { position: static; opacity: 1; visibility: visible; transform: none; padding-top: 4px; display: none; }
  .pill-nav__menu-card { min-width: 0; width: 100%; }
  .pill-nav__drop:focus-within .pill-nav__menu, .pill-nav__drop:hover .pill-nav__menu { display: block; }

  .hero { margin-top: 0; }
  .hero__grid { padding-top: 40px; }

  /* hero media: figure, rectangles and strip all centered */
  .hero__media { left: 0; margin: 0; width: 100%; }
  .hero__figure { left: 50%; }
  .hero__rect--dark { right: auto; left: 50%; transform: translateX(-50%) translateX(24px); }
  .hero__rect--light { right: auto; left: 50%; transform: translateX(-50%); }
  .fact-strip { left: 50%; }

  /* loan tiles: centered content */
  .tile { text-align: center; }
  .tile__chip { margin: 0 auto; }

  /* rate table: tighter so more fits */
  .rate-table { min-width: 560px; }
  .rate-table__head span { padding: 12px 10px; font-size: 11px; }
  .rate-table__row span { padding: 12px 10px; font-size: 12.5px; }
  .rate-table__row span:first-child { font-size: 13.5px; }

  /* homepage FAQ: answer inline under the selected question */
  .faq-panel { display: none; }
  .faq-item.is-on .faq-q__inline {
    display: block; margin: 0; padding: 14px 20px 18px;
    background: var(--sage); border: 1px solid #cfe3cd; border-top: none;
    border-radius: 0 0 10px 10px; font-size: 15px; line-height: 25px;
  }
  .faq-item.is-on .faq-q { border-radius: 10px 10px 0 0; }

  /* loan CTA band: stacked, full-width text, button below */
  .loan-cta-band { flex-direction: column; align-items: stretch; gap: 20px; padding: 30px 26px; }
  .loan-cta-band .btn-green, .loan-cta-band .cta-main--inline { margin: 0; width: 100%; }
}