/* =========================================================
   OnTap Lending — Theme styles
   Design brief: Trustworthy / institutional editorial
   Palette: deep forest green + warm gold on warm paper
   Type: Fraunces (display serif) + Public Sans (body)
   ========================================================= */

:root{
  --ink:#152019;
  --forest:#13503a;
  --forest-dark:#0d3a2a;
  --forest-deep:#0a2c20;
  --gold:#c2882f;
  --gold-dark:#9a6a1f;
  --gold-soft:rgba(194,136,47,.12);
  --paper:#f6f1e6;
  --paper-2:#efe7d6;
  --card:#fffdf7;
  --text:#1d2823;
  --muted:#586860;
  --line:#e2dac9;
  --line-strong:#cdc2aa;
  --ring:rgba(19,80,58,.28);
  --shadow-sm:0 1px 2px rgba(10,44,32,.06);
  --shadow:0 14px 34px rgba(10,44,32,.10);
  --shadow-lg:0 30px 60px rgba(10,44,32,.16);
  --maxw:1140px;
  --radius:18px;
  --radius-sm:12px;
  --font-display:"Fraunces",Georgia,"Times New Roman",serif;
  --font-body:"Public Sans",system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body.ontap{
  margin:0;
  font-family:var(--font-body);
  color:var(--text);
  background:var(--paper);
  line-height:1.62;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

/* subtle paper texture via layered gradients */
body.ontap{
  background-image:
    radial-gradient(1200px 600px at 85% -8%, rgba(194,136,47,.08), transparent 60%),
    radial-gradient(900px 500px at -5% 8%, rgba(19,80,58,.06), transparent 55%);
  background-attachment:fixed;
}

img{ max-width:100%; height:auto; display:block; }
a{ color:var(--forest); text-decoration:none; }
a:hover{ color:var(--gold-dark); text-decoration:underline; text-underline-offset:3px; }

.container{ width:min(var(--maxw),92vw); margin-inline:auto; }

h1,h2,h3,h4{ font-family:var(--font-display); color:var(--ink); line-height:1.1; margin:0 0 .55rem; font-weight:560; letter-spacing:-.01em; }
h1{ font-size:clamp(2.3rem,4.6vw,3.7rem); font-weight:520; }
h2{ font-size:clamp(1.7rem,3vw,2.5rem); }
h3{ font-size:clamp(1.2rem,1.8vw,1.45rem); }
p{ margin:0 0 1.05rem; color:var(--muted); }
strong{ color:var(--text); }

.eyebrow{
  display:inline-flex; align-items:center; gap:.55rem;
  font-family:var(--font-body); font-weight:800; font-size:.74rem;
  letter-spacing:.18em; text-transform:uppercase; color:var(--forest);
}
.eyebrow::before{
  content:""; width:26px; height:2px; background:var(--gold); display:inline-block;
}
.lead{ font-size:1.12rem; color:var(--text); max-width:60ch; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:.55rem;
  padding:.95rem 1.4rem; border-radius:999px; cursor:pointer; border:1px solid transparent;
  font-family:var(--font-body); font-weight:800; font-size:1rem; line-height:1;
  transition:transform .15s ease, background .2s ease, box-shadow .2s ease, color .2s ease;
}
.btn:hover{ text-decoration:none; transform:translateY(-1px); }
.btn-primary{ background:var(--forest); color:#fdfaf1; box-shadow:0 12px 26px rgba(13,58,42,.26); }
.btn-primary:hover{ background:var(--forest-dark); color:#fff; }
.btn-gold{ background:var(--gold); color:#241701; box-shadow:0 12px 26px rgba(154,106,31,.26); }
.btn-gold:hover{ background:var(--gold-dark); color:#fff; }
.btn-ghost{ background:transparent; color:var(--ink); border-color:var(--line-strong); }
.btn-ghost:hover{ background:var(--card); color:var(--forest); border-color:var(--forest); }
.btn-lg{ padding:1.1rem 1.7rem; font-size:1.05rem; }
.btn .arrow{ transition:transform .2s ease; }
.btn:hover .arrow{ transform:translateX(3px); }

/* ---------- Site header / nav ---------- */
.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(246,241,230,.82);
  backdrop-filter:saturate(160%) blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{ display:flex; align-items:center; justify-content:space-between; gap:1rem; padding:.85rem 0; }
.brand{ display:flex; align-items:center; gap:.65rem; font-family:var(--font-display); font-weight:600; font-size:1.18rem; color:var(--ink); letter-spacing:-.01em; }
.brand:hover{ text-decoration:none; color:var(--forest); }
.brand .mark{
  width:40px; height:40px; border-radius:11px; flex:none;
  background:linear-gradient(150deg,var(--forest),var(--forest-deep));
  display:grid; place-items:center; color:#f4e7c6; font-family:var(--font-display);
  font-weight:600; font-size:1.05rem; box-shadow:inset 0 0 0 1px rgba(244,231,198,.18), 0 8px 18px rgba(13,58,42,.22);
}
.brand .mark span{ position:relative; top:-1px; }
.nav-links{ display:flex; align-items:center; gap:1.4rem; list-style:none; margin:0; padding:0; }
.nav-links a{ color:var(--text); font-weight:650; font-size:.97rem; }
.nav-links a:hover{ color:var(--forest); text-decoration:none; }
.nav-links .current-menu-item>a,.nav-links .current_page_item>a{ color:var(--forest); }
.nav-cta{ display:flex; align-items:center; gap:.6rem; }
.nav-toggle{ display:none; background:none; border:1px solid var(--line-strong); border-radius:10px; padding:.5rem .6rem; cursor:pointer; }
.nav-toggle span{ display:block; width:20px; height:2px; background:var(--ink); margin:4px 0; transition:.2s; }

@media (max-width:980px){
  .nav-toggle{ display:block; }
  .nav-links{
    position:absolute; left:0; right:0; top:100%;
    flex-direction:column; align-items:flex-start; gap:.2rem;
    background:var(--paper); border-bottom:1px solid var(--line);
    padding:.6rem 4vw 1rem; display:none;
  }
  .nav-links.open{ display:flex; }
  .nav-links a{ display:block; width:100%; padding:.7rem 0; border-bottom:1px solid var(--line); }
  .nav .nav-cta .btn{ display:none; }
}

/* ---------- Sections ---------- */
.section{ padding:clamp(3rem,6vw,5.5rem) 0; }
.section--tight{ padding:clamp(2.2rem,4vw,3.2rem) 0; }
.section--paper2{ background:var(--paper-2); }
.section--card{ background:var(--card); border-block:1px solid var(--line); }
.section-head{ max-width:64ch; margin-bottom:2rem; }
.section-head.center{ margin-inline:auto; text-align:center; }

/* ---------- Hero ---------- */
.hero{ position:relative; overflow:hidden; }
.hero-grid{
  display:grid; grid-template-columns:1.15fr .85fr; gap:clamp(1.5rem,4vw,3.5rem);
  align-items:center; padding:clamp(3rem,6vw,5rem) 0 clamp(2.5rem,5vw,4rem);
}
.hero h1{ margin:.7rem 0 1rem; }
.hero .lead{ font-size:1.18rem; }
.hero-actions{ display:flex; flex-wrap:wrap; gap:.8rem; margin-top:1.6rem; }
.hero-trust{ display:flex; flex-wrap:wrap; gap:1.4rem 1.8rem; margin-top:1.9rem; }
.hero-trust .ht{ display:flex; align-items:center; gap:.55rem; font-weight:700; color:var(--text); font-size:.95rem; }
.hero-trust .ht b{ font-family:var(--font-display); color:var(--forest); font-size:1.15rem; font-weight:600; }

@media (max-width:920px){
  .hero-grid{ grid-template-columns:1fr; }
}

/* Booking card (replaces the old lead form) */
.book-card{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  box-shadow:var(--shadow-lg); padding:1.7rem; position:relative;
}
.book-card::before{
  content:""; position:absolute; inset:0 0 auto 0; height:6px; border-radius:var(--radius) var(--radius) 0 0;
  background:linear-gradient(90deg,var(--forest),var(--gold));
}
.book-card .bk-top{ display:flex; align-items:center; gap:.7rem; margin-bottom:.4rem; }
.book-card .bk-badge{
  font-size:.72rem; font-weight:800; letter-spacing:.04em; text-transform:uppercase;
  color:var(--forest-dark); background:var(--gold-soft); border:1px solid rgba(194,136,47,.3);
  padding:.32rem .6rem; border-radius:999px;
}
.book-card h2{ font-size:1.5rem; margin:.2rem 0 .5rem; }
.book-steps{ list-style:none; margin:.6rem 0 1.2rem; padding:0; display:grid; gap:.7rem; }
.book-steps li{ display:flex; gap:.7rem; align-items:flex-start; color:var(--text); font-size:.98rem; }
.book-steps .n{
  flex:none; width:26px; height:26px; border-radius:999px; display:grid; place-items:center;
  background:var(--forest); color:#fdfaf1; font-weight:800; font-size:.8rem;
}
.book-card .btn{ width:100%; }
.book-note{ font-size:.82rem; color:var(--muted); margin:.9rem 0 0; }

/* ---------- Cards / grids ---------- */
.grid{ display:grid; gap:1.2rem; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }
@media (max-width:920px){ .grid-3,.grid-4{ grid-template-columns:1fr 1fr; } }
@media (max-width:640px){ .grid-2,.grid-3,.grid-4{ grid-template-columns:1fr; } }

.card{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  padding:1.5rem; box-shadow:var(--shadow-sm); transition:transform .18s ease, box-shadow .18s ease;
  position:relative; height:100%;
}
.card:hover{ transform:translateY(-3px); box-shadow:var(--shadow); }
.card h3{ margin-top:.6rem; }
.card p:last-child{ margin-bottom:0; }
.card .icon{
  width:46px; height:46px; border-radius:13px; display:grid; place-items:center;
  background:var(--gold-soft); color:var(--forest); border:1px solid rgba(194,136,47,.25);
}
.card .icon svg{ width:24px; height:24px; }
.card.featured{ border-color:var(--forest); box-shadow:var(--shadow); }
.card .tag{ position:absolute; top:1.1rem; right:1.1rem; font-size:.72rem; font-weight:800; color:var(--gold-dark); text-transform:uppercase; letter-spacing:.05em; }

/* numbered steps */
.steps{ counter-reset:s; display:grid; gap:1.1rem; grid-template-columns:repeat(3,1fr); }
@media (max-width:820px){ .steps{ grid-template-columns:1fr; } }
.step{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:1.5rem 1.5rem 1.4rem; position:relative; }
.step .num{ font-family:var(--font-display); font-size:2.4rem; color:var(--gold); line-height:1; font-weight:600; }
.step h3{ margin:.5rem 0 .4rem; }

/* stat / requirement tiles */
.stats{ display:grid; grid-template-columns:repeat(4,1fr); gap:1rem; }
@media (max-width:820px){ .stats{ grid-template-columns:1fr 1fr; } }
.stat{ background:var(--card); border:1px dashed var(--line-strong); border-radius:var(--radius-sm); padding:1.3rem 1rem; text-align:center; }
.stat .v{ font-family:var(--font-display); font-size:1.7rem; color:var(--forest); font-weight:600; line-height:1; }
.stat .l{ color:var(--muted); font-size:.9rem; margin-top:.35rem; }

/* feature list with check ticks */
.ticks{ list-style:none; margin:0; padding:0; display:grid; gap:.7rem; }
.ticks li{ display:flex; gap:.65rem; align-items:flex-start; color:var(--text); }
.ticks li::before{
  content:"✓"; flex:none; width:24px; height:24px; border-radius:999px; margin-top:1px;
  background:var(--gold-soft); color:var(--forest-dark); display:grid; place-items:center; font-weight:900; font-size:.8rem;
  border:1px solid rgba(194,136,47,.3);
}

/* two-column prose split */
.split{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(1.5rem,4vw,3rem); align-items:center; }
.split.reverse .split-media{ order:-1; }
@media (max-width:860px){ .split{ grid-template-columns:1fr; } .split.reverse .split-media{ order:0; } }
.panel{
  background:linear-gradient(160deg,var(--forest),var(--forest-deep)); color:#eef3ee;
  border-radius:var(--radius); padding:1.8rem; box-shadow:var(--shadow);
}
.panel h3{ color:#fff; }
.panel p{ color:#cfe0d6; }
.panel .ticks li{ color:#eef3ee; }
.panel .ticks li::before{ background:rgba(244,231,198,.16); color:#f4e7c6; border-color:rgba(244,231,198,.25); }

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(155deg,var(--forest),var(--forest-deep));
  color:#f1f6f1; border-radius:var(--radius); padding:clamp(2rem,4vw,3rem);
  display:flex; align-items:center; justify-content:space-between; gap:1.5rem; flex-wrap:wrap;
  position:relative; overflow:hidden;
}
.cta-band::after{
  content:""; position:absolute; right:-60px; top:-60px; width:240px; height:240px; border-radius:50%;
  background:radial-gradient(circle,rgba(194,136,47,.4),transparent 70%);
}
.cta-band h2{ color:#fff; margin:0; position:relative; }
.cta-band p{ color:#cfe0d6; margin:.4rem 0 0; max-width:48ch; position:relative; }
.cta-band .cta-actions{ position:relative; display:flex; gap:.7rem; flex-wrap:wrap; }

/* ---------- FAQ ---------- */
.faq{ display:grid; grid-template-columns:1fr 1fr; gap:1rem; }
@media (max-width:820px){ .faq{ grid-template-columns:1fr; } }
.faq details{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius-sm); padding:1.05rem 1.2rem; box-shadow:var(--shadow-sm); }
.faq summary{ font-family:var(--font-display); font-weight:560; font-size:1.05rem; color:var(--ink); cursor:pointer; list-style:none; display:flex; justify-content:space-between; gap:1rem; align-items:center; }
.faq summary::-webkit-details-marker{ display:none; }
.faq summary::after{ content:"+"; font-family:var(--font-body); font-weight:800; color:var(--gold-dark); font-size:1.3rem; transition:transform .2s ease; }
.faq details[open] summary::after{ transform:rotate(45deg); }
.faq details p{ margin:.8rem 0 0; }

/* ---------- Legal pages ---------- */
.legal{ max-width:78ch; }
.legal h2{ margin-top:2rem; font-size:1.4rem; }
.legal h3{ margin-top:1.4rem; }
.legal p,.legal li{ color:var(--text); }
.legal ul{ padding-left:1.2rem; }
.legal li{ margin-bottom:.4rem; }

/* fill-in placeholder highlight */
.fillin{
  background:#fff5d6; color:#7a5200; border:1px dashed #d6a83a; border-radius:6px;
  padding:.05em .4em; font-weight:700; font-family:var(--font-body); font-size:.95em;
  white-space:nowrap;
}
.notice{
  background:var(--gold-soft); border:1px solid rgba(194,136,47,.35); border-left:4px solid var(--gold);
  border-radius:10px; padding:1rem 1.1rem; color:var(--text); margin:0 0 1.6rem;
}
.notice strong{ color:var(--gold-dark); }

/* page hero (interior) */
.page-hero{ padding:clamp(2.6rem,5vw,4rem) 0 clamp(1.4rem,3vw,2.2rem); }
.page-hero .lead{ margin-top:.6rem; }
.breadcrumb{ font-size:.85rem; color:var(--muted); margin-bottom:.6rem; }
.breadcrumb a{ color:var(--muted); }

/* sample testimonial (clearly labelled) */
.samples{ display:grid; grid-template-columns:repeat(3,1fr); gap:1rem; }
@media (max-width:820px){ .samples{ grid-template-columns:1fr; } }
.quote{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:1.4rem; position:relative; }
.quote .sample-flag{ position:absolute; top:.8rem; right:.9rem; font-size:.66rem; font-weight:800; letter-spacing:.05em; text-transform:uppercase; color:#9a6a1f; background:#fff5d6; border:1px dashed #d6a83a; padding:.2rem .45rem; border-radius:6px; }
.quote p{ font-family:var(--font-display); font-size:1.08rem; color:var(--ink); font-style:italic; }
.quote .who{ font-family:var(--font-body); font-style:normal; color:var(--muted); font-size:.88rem; font-weight:600; margin:0; }

/* ---------- Footer ---------- */
.site-footer{ background:var(--forest-deep); color:#cfe0d6; padding:clamp(2.5rem,5vw,3.5rem) 0 2rem; margin-top:1rem; }
.footer-grid{ display:grid; grid-template-columns:1.6fr 1fr 1fr; gap:2rem; }
@media (max-width:820px){ .footer-grid{ grid-template-columns:1fr; gap:1.6rem; } }
.site-footer .brand{ color:#fff; margin-bottom:.7rem; }
.site-footer .brand .mark{ background:linear-gradient(150deg,#1d6b4d,#0a2c20); }
.site-footer h4{ color:#f4e7c6; font-family:var(--font-body); font-weight:800; font-size:.82rem; letter-spacing:.12em; text-transform:uppercase; margin:0 0 .8rem; }
.site-footer a{ color:#cfe0d6; }
.site-footer a:hover{ color:#fff; }
.footer-links{ list-style:none; margin:0; padding:0; display:grid; gap:.5rem; }
.footer-contact p{ color:#cfe0d6; margin:0 0 .5rem; }
.footer-disclaimer{ border-top:1px solid rgba(244,231,198,.18); margin-top:2rem; padding-top:1.4rem; font-size:.82rem; color:#9fb6aa; }
.footer-disclaimer p{ color:#9fb6aa; margin:0 0 .7rem; }
.footer-bottom{ display:flex; justify-content:space-between; gap:1rem; flex-wrap:wrap; font-size:.82rem; color:#9fb6aa; margin-top:1rem; }

/* skip link */
.skip-link{ position:absolute; left:-9999px; top:0; background:var(--forest); color:#fff; padding:.6rem 1rem; border-radius:0 0 8px 0; z-index:100; }
.skip-link:focus{ left:0; }

/* focus visibility */
a:focus-visible,.btn:focus-visible,summary:focus-visible,button:focus-visible{
  outline:3px solid var(--ring); outline-offset:2px; border-radius:6px;
}

/* reveal animation */
@media (prefers-reduced-motion:no-preference){
  .reveal{ opacity:0; transform:translateY(14px); transition:opacity .6s ease, transform .6s ease; }
  .reveal.in{ opacity:1; transform:none; }
}

.center{ text-align:center; }
.mt-0{ margin-top:0; } .mb-0{ margin-bottom:0; }
.muted{ color:var(--muted); }