/* ===========================================================
   Bequest Lending Group — shared styles
   =========================================================== */

:root {
  --ink: #1c1614;
  --ink-soft: #4a3f3a;
  --stone: #6b625c;
  --stone-light: #a49c95;
  --paper: #faf8f5;
  --paper-dim: #f1ede6;
  --surface: #ffffff;
  --line: #e4ddd3;
  --burgundy: #710f10;
  --burgundy-deep: #4a0a0b;
  --burgundy-tint: #f6e9e7;

  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --container: 1160px;
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

img { max-width: 100%; display: block; }

a {
  color: var(--burgundy);
  text-decoration: none;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--burgundy);
  outline-offset: 3px;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  color: var(--ink);
  margin: 0 0 0.5em;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.4rem, 4.6vw, 3.6rem); line-height: 1.08; }
h2 { font-size: clamp(1.9rem, 3.2vw, 2.5rem); line-height: 1.15; }
h3 { font-size: 1.4rem; line-height: 1.3; }

p { margin: 0 0 1em; color: var(--ink-soft); max-width: 62ch; }

.wrap {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
}

.eyebrow {
  font-family: var(--sans);
  font-size: 0.9rem;
  color: var(--burgundy);
  font-weight: 600;
  margin: 0 0 0.6em;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--sans);
  font-weight: 600;
  font-size: 0.98rem;
  padding: 13px 26px;
  border-radius: 3px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}

.btn-primary {
  background: var(--burgundy);
  color: #fff;
}
.btn-primary:hover { background: var(--burgundy-deep); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover { border-color: var(--burgundy); color: var(--burgundy); }

.btn-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 1.6em; }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(250, 248, 245, 0.92);
  backdrop-filter: saturate(140%) blur(6px);
  border-bottom: 1px solid var(--line);
}

.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
}
.brand img { height: 48px; width: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  color: var(--ink-soft);
  font-size: 0.96rem;
  font-weight: 500;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.nav-links a:hover,
.nav-links a[aria-current="page"] {
  color: var(--ink);
  border-bottom-color: var(--burgundy);
}

.nav-cta { display: flex; align-items: center; gap: 22px; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle svg { width: 24px; height: 24px; }

@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav-cta .btn { display: none; }
  .site-header.open .nav-links {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
    position: absolute;
    top: 78px;
    left: 0;
    right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 12px 32px 22px;
  }
  .site-header.open .nav-cta .btn { display: inline-flex; }
  .site-header.open .nav-cta { flex-direction: column; align-items: flex-start; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  padding: 96px 0 84px;
  border-bottom: 1px solid var(--line);
}

.hero-mark {
  position: absolute;
  right: -80px;
  top: 50%;
  transform: translateY(-50%);
  width: 560px;
  opacity: 0.06;
  pointer-events: none;
}

.hero .wrap { position: relative; }
.hero-content { max-width: 640px; }
.hero p.lede { font-size: 1.15rem; }

/* ---------- Sections ---------- */
section { padding: 84px 0; }
.section-tight { padding: 56px 0; }
.section-border { border-bottom: 1px solid var(--line); }
.bg-dim { background: var(--paper-dim); }
.bg-ink { background: var(--ink); color: #f4f0ec; }
.bg-ink h2, .bg-ink h3 { color: #fff; }
.bg-ink p { color: #c9beb6; }

.section-head { max-width: 620px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Stat strip ---------- */
.stat-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.stat-strip .stat .num {
  font-family: var(--serif);
  font-size: 2.4rem;
  color: var(--burgundy);
  font-weight: 600;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-strip .stat .label { color: var(--stone); font-size: 0.94rem; }

@media (max-width: 760px) {
  .stat-strip { grid-template-columns: repeat(2, 1fr); }
}

/* ---------- Product rows ---------- */
.product-list { border-top: 1px solid var(--line); }
.product-row {
  display: grid;
  grid-template-columns: 1fr 1.4fr auto;
  gap: 32px;
  align-items: center;
  padding: 36px 0;
  border-bottom: 1px solid var(--line);
}
.product-row .tag {
  font-family: var(--serif);
  font-size: 1.5rem;
  color: var(--ink);
}
.product-row p { margin: 0; max-width: 48ch; }
.product-row .btn-ghost { white-space: nowrap; }

@media (max-width: 760px) {
  .product-row { grid-template-columns: 1fr; gap: 12px; }
}

/* ---------- Steps ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.step .step-index {
  font-family: var(--serif);
  color: var(--burgundy);
  font-size: 1rem;
  margin-bottom: 10px;
}
@media (max-width: 760px) {
  .steps { grid-template-columns: 1fr; }
}

/* ---------- Two column ---------- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
@media (max-width: 860px) {
  .two-col { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------- Cards ---------- */
.plain-card {
  background: var(--surface);
  border: 1px solid var(--line);
  padding: 32px;
}

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--burgundy);
  color: #fff;
  padding: 64px 0;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #eadedb; }
.cta-band .btn-ghost {
  color: #fff;
  border-color: rgba(255,255,255,0.4);
}
.cta-band .btn-ghost:hover { border-color: #fff; color: #fff; }
.cta-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

/* ---------- Forms ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) {
  .form-grid { grid-template-columns: 1fr; }
}

label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 6px;
}

input, select, textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 1rem;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: #fff;
  color: var(--ink);
}
textarea { resize: vertical; min-height: 110px; }

fieldset {
  border: 1px solid var(--line);
  border-radius: 3px;
  padding: 16px 18px;
  margin: 0;
}
fieldset legend {
  font-size: 0.9rem;
  font-weight: 600;
  padding: 0 6px;
}
.radio-row { display: flex; gap: 22px; flex-wrap: wrap; margin-top: 6px; }
.radio-row label { display: flex; align-items: center; gap: 8px; font-weight: 400; margin: 0; }
.radio-row input { width: auto; }

.form-note { font-size: 0.88rem; color: var(--stone); margin-top: 20px; }

.form-success {
  display: none;
  background: var(--burgundy-tint);
  border: 1px solid var(--burgundy);
  padding: 20px 24px;
  margin-top: 24px;
  color: var(--burgundy-deep);
}
.form-success.visible { display: block; }

/* ---------- Calculator ---------- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
@media (max-width: 900px) {
  .calc-wrap { grid-template-columns: 1fr; }
}

.calc-field { margin-bottom: 22px; }
.calc-field .row-between {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 6px;
}
.calc-field .row-between .val {
  font-family: var(--serif);
  color: var(--burgundy);
  font-size: 1.15rem;
}
input[type="range"] {
  width: 100%;
  accent-color: var(--burgundy);
  padding: 0;
}

.calc-result {
  background: var(--ink);
  color: #fff;
  padding: 40px;
}
.calc-result .figure {
  font-family: var(--serif);
  font-size: 3rem;
  color: #fff;
  margin: 6px 0 2px;
}
.calc-result .figure-label { color: #cabdb6; font-size: 0.9rem; }
.calc-result .breakdown {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.18);
}
.calc-result .breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  font-size: 0.95rem;
  color: #e6ded9;
}
.calc-disclaimer { font-size: 0.85rem; color: var(--stone); margin-top: 18px; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: #cabdb6;
  padding: 56px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,0.14);
}
.footer-grid img { height: 34px; margin-bottom: 14px; }
.footer-grid p { color: #a8998f; font-size: 0.92rem; }
.footer-col h4 {
  color: #fff;
  font-family: var(--sans);
  font-size: 0.92rem;
  margin-bottom: 14px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 10px; }
.footer-col a { color: #cabdb6; font-size: 0.94rem; }
.footer-col a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  padding-top: 24px;
  font-size: 0.85rem;
  color: #8a7d75;
  flex-wrap: wrap;
  gap: 10px;
}
@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

/* ---------- About page specifics ---------- */
.value-list { border-top: 1px solid var(--line); }
.value-row {
  padding: 28px 0;
  border-bottom: 1px solid var(--line);
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 24px;
}
@media (max-width: 700px) {
  .value-row { grid-template-columns: 1fr; gap: 6px; }
}

.quote-block {
  border-left: 3px solid var(--burgundy);
  padding-left: 28px;
  margin: 0;
}
.quote-block p {
  font-family: var(--serif);
  font-size: 1.4rem;
  color: var(--ink);
  line-height: 1.5;
}
.quote-block cite {
  display: block;
  font-style: normal;
  font-size: 0.9rem;
  color: var(--stone);
  margin-top: 10px;
}

/* ---------- Product detail cards on Loan Products page ---------- */
.product-detail {
  padding: 64px 0;
  border-bottom: 1px solid var(--line);
}
.product-detail .two-col { grid-template-columns: 0.9fr 1.1fr; }
.spec-list { list-style: none; margin: 20px 0 0; padding: 0; }
.spec-list li {
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  font-size: 0.95rem;
  color: var(--ink-soft);
}
.spec-list li span:first-child { color: var(--stone); }