/* =========================================================================
   Beacon Ridge Finance — demo site stylesheet
   Single stylesheet, no framework. Tokens first, then layout, then blocks.
   ========================================================================= */

:root {
  --navy-900: #08182c;
  --navy-800: #0d2440;
  --navy-700: #123458;
  --navy-100: #e8eef5;
  --navy-50:  #f4f7fb;

  --amber-500: #e8a33d;
  --amber-400: #f2b95c;
  --amber-100: #fdf1de;

  --teal-500: #1f8a7a;

  --ink:      #16212e;
  --ink-soft: #4a5a6d;
  --ink-mute: #7c8b9c;
  --line:     #dde5ee;
  --white:    #ffffff;

  --radius:    14px;
  --radius-sm: 9px;
  --shadow-sm: 0 1px 2px rgba(8,24,44,.06), 0 2px 8px rgba(8,24,44,.05);
  --shadow-md: 0 4px 12px rgba(8,24,44,.08), 0 12px 32px rgba(8,24,44,.09);
  --shadow-lg: 0 12px 28px rgba(8,24,44,.12), 0 32px 64px rgba(8,24,44,.12);

  --wrap: 1180px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--navy-700); text-decoration: none; }
a:hover { color: var(--amber-500); }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy-900);
  margin: 0 0 .5em;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }
p  { margin: 0 0 1.1em; }

.wrap { width: min(100% - 2.5rem, var(--wrap)); margin-inline: auto; }
.section { padding: clamp(3.5rem, 7vw, 6rem) 0; }
.section--tight { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.section--navy { background: var(--navy-900); color: #cfdcea; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--soft { background: var(--navy-50); }

.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--amber-500);
  margin-bottom: .9rem;
}
.section--navy .eyebrow { color: var(--amber-400); }

.lead { font-size: 1.13rem; color: var(--ink-soft); }
.section--navy .lead { color: #b6c7d9; }

.center { text-align: center; }
.measure { max-width: 62ch; }
.measure-center { max-width: 62ch; margin-inline: auto; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  padding: .85rem 1.6rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: .95rem;
  letter-spacing: .01em;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--amber-500); color: var(--navy-900); box-shadow: var(--shadow-sm); }
.btn--primary:hover { background: var(--amber-400); color: var(--navy-900); box-shadow: var(--shadow-md); }
.btn--navy { background: var(--navy-800); color: #fff; }
.btn--navy:hover { background: var(--navy-700); color: #fff; }
.btn--ghost { border-color: rgba(255,255,255,.45); color: #fff; }
.btn--ghost:hover { background: rgba(255,255,255,.12); color: #fff; }
.btn--outline { border-color: var(--navy-800); color: var(--navy-800); }
.btn--outline:hover { background: var(--navy-800); color: #fff; }
.btn--block { width: 100%; justify-content: center; }

/* ---------- header ---------- */
.topbar {
  background: var(--navy-900);
  color: #a9bdd2;
  font-size: .84rem;
  padding: .5rem 0;
}
.topbar__inner { display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.topbar a { color: #cfdcea; }
.topbar a:hover { color: var(--amber-400); }
.topbar__links { display: flex; gap: 1.4rem; align-items: center; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header__inner { display: flex; align-items: center; gap: 2rem; padding: .85rem 0; }
.brand { display: flex; align-items: center; gap: .7rem; flex-shrink: 0; }
.brand__mark { width: 38px; height: 38px; }
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__name { font-family: var(--font-display); font-weight: 600; font-size: 1.18rem; color: var(--navy-900); }
.brand__tag { font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; color: var(--ink-mute); }

.nav { margin-left: auto; display: flex; align-items: center; gap: 1.9rem; }
.nav__list { display: flex; align-items: center; gap: 1.9rem; list-style: none; margin: 0; padding: 0; }
.nav__link {
  font-size: .95rem; font-weight: 500; color: var(--ink); padding: .4rem 0;
  border-bottom: 2px solid transparent;
}
.nav__link:hover, .nav__link[aria-current="page"] { color: var(--navy-900); border-bottom-color: var(--amber-500); }

.nav__item--has-menu { position: relative; }
.nav__menu {
  position: absolute; top: calc(100% + .7rem); left: -1rem;
  min-width: 240px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-sm); box-shadow: var(--shadow-md);
  padding: .5rem; list-style: none; margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity .16s ease, transform .16s ease, visibility .16s;
}
.nav__item--has-menu:hover .nav__menu,
.nav__item--has-menu:focus-within .nav__menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav__menu a { display: block; padding: .55rem .8rem; border-radius: 7px; font-size: .92rem; color: var(--ink); }
.nav__menu a:hover { background: var(--navy-50); color: var(--navy-900); }

.nav__toggle {
  display: none; margin-left: auto; background: none; border: 0; cursor: pointer;
  padding: .5rem; color: var(--navy-900);
}

/* ---------- hero ---------- */
.hero {
  position: relative;
  background:
    linear-gradient(105deg, rgba(8,24,44,.94) 0%, rgba(8,24,44,.82) 42%, rgba(8,24,44,.42) 100%),
    url("https://images.unsplash.com/photo-1568605114967-8130f3a36994?auto=format&fit=crop&w=1900&q=70") center/cover no-repeat,
    var(--navy-900);
  color: #fff;
  padding: clamp(4rem, 9vw, 7.5rem) 0 clamp(3rem, 6vw, 5rem);
}
.hero__inner { display: grid; grid-template-columns: 1.05fr .95fr; gap: 3.5rem; align-items: center; }
.hero h1 { color: #fff; margin-bottom: .6rem; }
.hero__sub { font-size: 1.16rem; color: #cddaea; max-width: 46ch; margin-bottom: 1.9rem; }
.hero__cta { display: flex; gap: .8rem; flex-wrap: wrap; margin-bottom: 2.2rem; }
.hero__points { list-style: none; margin: 0; padding: 0; display: grid; gap: .6rem; }
.hero__points li { display: flex; gap: .6rem; align-items: flex-start; font-size: .97rem; color: #d7e3f0; }
.hero__points svg { flex-shrink: 0; margin-top: .28rem; color: var(--amber-400); }

.hero-card {
  background: #fff; color: var(--ink);
  border-radius: var(--radius); padding: 1.9rem;
  box-shadow: var(--shadow-lg);
}
.hero-card h3 { margin-bottom: .3rem; }
.hero-card p { font-size: .93rem; color: var(--ink-soft); }

/* ---------- trust strip ---------- */
.trust { background: var(--white); border-bottom: 1px solid var(--line); padding: 1.6rem 0; }
.trust__inner { display: flex; justify-content: space-between; gap: 2rem; flex-wrap: wrap; }
.trust__item { display: flex; align-items: center; gap: .7rem; font-size: .92rem; color: var(--ink-soft); }
.trust__item strong { font-family: var(--font-display); font-size: 1.5rem; color: var(--navy-900); }
.trust__item svg { color: var(--amber-500); }

/* ---------- generic grid ---------- */
.grid { display: grid; gap: 1.5rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.split--wide-left { grid-template-columns: 1.15fr .85fr; }

/* ---------- cards ---------- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem; box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #c9d6e6; }
.card__icon {
  width: 46px; height: 46px; border-radius: 11px;
  background: var(--amber-100); color: var(--navy-800);
  display: grid; place-items: center; margin-bottom: 1.1rem;
}
.card h3 { font-size: 1.16rem; margin-bottom: .45rem; }
.card p { font-size: .95rem; color: var(--ink-soft); margin-bottom: .8rem; }
.card__link { font-size: .9rem; font-weight: 600; color: var(--navy-700); display: inline-flex; gap: .35rem; align-items: center; }
.card__link:hover { color: var(--amber-500); gap: .55rem; transition: gap .15s ease; }

/* ---------- lender panel ---------- */
.lenders { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1rem; margin-top: 2rem; }
.lender {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.13);
  border-radius: var(--radius-sm); padding: 1.1rem .6rem;
  text-align: center; font-size: .82rem; font-weight: 600; letter-spacing: .04em;
  color: #dce7f2; text-transform: uppercase;
}

/* ---------- process ---------- */
.steps { counter-reset: step; display: grid; gap: 1.1rem; margin-top: 2.5rem; }
.step {
  display: grid; grid-template-columns: 56px 1fr; gap: 1.3rem; align-items: start;
  padding: 1.4rem 1.6rem; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow-sm);
}
.step__num {
  counter-increment: step;
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--navy-800); color: #fff;
  display: grid; place-items: center;
  font-family: var(--font-display); font-size: 1.15rem; font-weight: 600;
}
.step__num::before { content: counter(step); }
.step h3 { font-size: 1.08rem; margin-bottom: .25rem; }
.step p { font-size: .94rem; color: var(--ink-soft); margin: 0; }

/* ---------- testimonials ---------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.quote {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem; box-shadow: var(--shadow-sm); display: flex; flex-direction: column;
}
.quote__stars { color: var(--amber-500); letter-spacing: .12em; font-size: .95rem; margin-bottom: .8rem; }
.quote p { font-size: .96rem; color: var(--ink-soft); flex: 1; }
.quote__who { display: flex; align-items: center; gap: .75rem; margin-top: .8rem; }
.quote__avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy-100); color: var(--navy-800);
  display: grid; place-items: center; font-weight: 700; font-size: .88rem;
}
.quote__name { font-weight: 600; font-size: .92rem; color: var(--navy-900); }
.quote__meta { font-size: .8rem; color: var(--ink-mute); }

/* ---------- calculator ---------- */
.calc {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.9rem; box-shadow: var(--shadow-md);
}
.calc__field { margin-bottom: 1.2rem; }
.calc__field label { display: flex; justify-content: space-between; align-items: baseline; font-size: .9rem; font-weight: 600; margin-bottom: .45rem; }
.calc__field output { font-family: var(--font-display); font-size: 1.05rem; color: var(--navy-700); }
input[type="range"] { width: 100%; accent-color: var(--amber-500); }
.calc__result {
  background: var(--navy-900); color: #fff; border-radius: var(--radius-sm);
  padding: 1.3rem 1.5rem; margin-top: 1.4rem; text-align: center;
}
.calc__result span { display: block; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: #9fb4ca; }
.calc__result strong { font-family: var(--font-display); font-size: clamp(1.9rem, 4vw, 2.5rem); color: var(--amber-400); }
.calc__note { font-size: .8rem; color: var(--ink-mute); margin: .9rem 0 0; }

/* ---------- forms ---------- */
.form { display: grid; gap: 1.05rem; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.05rem; }
.field label { display: block; font-size: .88rem; font-weight: 600; margin-bottom: .38rem; color: var(--navy-900); }
.field input, .field select, .field textarea {
  width: 100%; padding: .78rem .9rem; font: inherit; font-size: .95rem;
  border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  background: #fff; color: var(--ink); transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy-700); box-shadow: 0 0 0 3px rgba(18,52,88,.12);
}
.field textarea { min-height: 118px; resize: vertical; }
.field__hint { font-size: .8rem; color: var(--ink-mute); margin: .3rem 0 0; }
.form__status { font-size: .92rem; padding: .8rem 1rem; border-radius: var(--radius-sm); display: none; }
.form__status--ok { display: block; background: #e7f5f1; color: #14655a; border: 1px solid #bfe4db; }
.form__status--err { display: block; background: #fdecec; color: #9c2b2b; border: 1px solid #f4c9c9; }

/* ---------- blog ---------- */
.post-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .18s ease; }
.post-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.post-card__img { aspect-ratio: 16/10; background: var(--navy-100) center/cover no-repeat; }
.post-card__body { padding: 1.4rem 1.5rem 1.6rem; }
.post-card__cat { font-size: .74rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--amber-500); }
.post-card h3 { font-size: 1.15rem; margin: .5rem 0 .4rem; }
.post-card p { font-size: .93rem; color: var(--ink-soft); margin-bottom: .9rem; }

.article { max-width: 72ch; margin-inline: auto; }
.article h2 { margin-top: 2.2rem; }
.article ul, .article ol { color: var(--ink-soft); padding-left: 1.3rem; }
.article li { margin-bottom: .5rem; }
.article__meta { color: var(--ink-mute); font-size: .9rem; margin-bottom: 2rem; }
.callout {
  background: var(--amber-100); border-left: 4px solid var(--amber-500);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1.2rem 1.4rem; margin: 1.8rem 0;
}
.callout p:last-child { margin-bottom: 0; }

/* ---------- page hero (inner pages) ---------- */
.page-hero { background: var(--navy-900); color: #cfdcea; padding: clamp(3rem, 6vw, 4.5rem) 0; }
.page-hero h1 { color: #fff; margin-bottom: .4rem; }
.page-hero p { max-width: 60ch; color: #b6c7d9; margin: 0; }
.crumbs { font-size: .84rem; color: #8ea6bf; margin-bottom: .9rem; }
.crumbs a { color: #b6c7d9; }

/* ---------- faq ---------- */
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 1.1rem 1.4rem; margin-bottom: .8rem;
}
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy-900); list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--amber-500); font-size: 1.3rem; line-height: 1; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: .9rem 0 0; font-size: .95rem; color: var(--ink-soft); }

/* ---------- cta band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy-800), var(--navy-700));
  color: #fff; border-radius: var(--radius); padding: clamp(2rem, 5vw, 3.2rem);
  display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap;
}
.cta-band h2 { color: #fff; margin-bottom: .3rem; }
.cta-band p { color: #c3d3e4; margin: 0; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-900); color: #a9bdd2; padding: 3.5rem 0 0; font-size: .93rem; }
.site-footer h4 { color: #fff; font-family: var(--font); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 1.1rem; }
.site-footer a { color: #a9bdd2; }
.site-footer a:hover { color: var(--amber-400); }
.footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 2.5rem; padding-bottom: 2.5rem; }
.footer__list { list-style: none; margin: 0; padding: 0; display: grid; gap: .6rem; }
.footer__social { display: flex; gap: .7rem; margin-top: 1.2rem; }
.footer__social a {
  width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(255,255,255,.08); color: #cfdcea;
}
.footer__social a:hover { background: var(--amber-500); color: var(--navy-900); }
.footer__legal {
  border-top: 1px solid rgba(255,255,255,.11); padding: 1.6rem 0 2.2rem;
  font-size: .82rem; color: #7f96ad;
}
.footer__legal p { margin-bottom: .7rem; }
.footer__bottom { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }

/* ---------- demo banner ---------- */
.demo-banner {
  background: var(--amber-500); color: var(--navy-900);
  text-align: center; font-size: .84rem; font-weight: 600; padding: .5rem 1rem;
}

/* ---------- responsive ---------- */
@media (max-width: 1000px) {
  .hero__inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .lenders { grid-template-columns: repeat(4, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .nav { display: none; }
  .nav--open {
    display: flex; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: stretch; padding: 1rem 1.25rem 1.5rem; gap: 0;
    box-shadow: var(--shadow-md);
  }
  .nav--open .nav__list { flex-direction: column; align-items: stretch; gap: 0; width: 100%; }
  .nav--open .nav__link { padding: .8rem 0; border-bottom: 1px solid var(--line); }
  .nav--open .nav__menu {
    position: static; opacity: 1; visibility: visible; transform: none;
    box-shadow: none; border: 0; padding: .3rem 0 .3rem 1rem; min-width: 0;
  }
  .nav--open .btn { margin-top: 1rem; justify-content: center; }
  .nav__toggle { display: block; }
  .site-header__inner { position: relative; }
  .grid--3, .quotes { grid-template-columns: 1fr; }
  .split, .split--wide-left { grid-template-columns: 1fr; }
  .form__row { grid-template-columns: 1fr; }
  .topbar__inner { justify-content: center; }
  .topbar__links { gap: 1rem; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .grid--2, .grid--4 { grid-template-columns: 1fr; }
  .lenders { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr; gap: 2rem; }
  .step { grid-template-columns: 1fr; gap: .8rem; }
  .btn { width: 100%; justify-content: center; }
  .hero__cta { flex-direction: column; }
}