/* ==========================================================================
   Stephanie Castellon | Mpire Financial — site styles
   Palette: cream, white, beige, taupe, charcoal. Mobile-first.
   ========================================================================== */

:root {
  --cream: #F7F3EC;
  --white: #FFFFFF;
  --beige: #E8DFD2;
  --sand: #D9CCBB;
  --taupe: #A39382;
  --taupe-dark: #74665A;   /* accessible taupe for small text on light bg */
  --mocha: #5F4E43;
  --charcoal: #2E2C2A;
  --ink: #3D3935;
  --line: #E2D8CA;

  --font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-body: "Jost", "Helvetica Neue", Arial, sans-serif;

  --radius: 4px;
  --radius-lg: 18px;
  --shadow: 0 10px 30px -12px rgba(46, 44, 42, .18);
  --wrap: 1180px;
  --gutter: 20px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  padding-bottom: 68px; /* room for mobile action bar */
}
@media (min-width: 900px) { body { padding-bottom: 0; } }

img { max-width: 100%; height: auto; display: block; }
a { color: var(--charcoal); text-underline-offset: 3px; }
a:hover { color: var(--mocha); }
:focus-visible { outline: 2px solid var(--mocha); outline-offset: 3px; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--charcoal);
  font-weight: 500;
  line-height: 1.12;
  margin: 0 0 .5em;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.5rem, 7vw, 4.4rem); }
h2 { font-size: clamp(2rem, 5vw, 3rem); }
h3 { font-size: clamp(1.4rem, 3vw, 1.7rem); }
p { margin: 0 0 1.1em; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.narrow { max-width: 780px; }

.eyebrow {
  display: inline-block;
  font-size: .78rem;
  letter-spacing: .22em;
  text-transform: uppercase;
  font-weight: 500;
  color: var(--taupe-dark);
  margin-bottom: 14px;
}
.lead { font-size: 1.15rem; color: var(--ink); }
.muted { color: var(--taupe-dark); }
.center { text-align: center; }

.skip-link { position: absolute; left: -999px; top: 0; background: var(--charcoal); color: #fff; padding: 10px 16px; z-index: 100; }
.skip-link:focus { left: 10px; top: 10px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 50px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: .82rem;
  font-weight: 500;
  letter-spacing: .16em;
  text-transform: uppercase;
  text-decoration: none;
  border: 1px solid var(--charcoal);
  cursor: pointer;
  transition: background .2s, color .2s, border-color .2s;
}
.btn-dark { background: var(--charcoal); color: var(--cream); }
.btn-dark:hover { background: var(--mocha); border-color: var(--mocha); color: var(--cream); }
.btn-outline { background: transparent; color: var(--charcoal); }
.btn-outline:hover { background: var(--charcoal); color: var(--cream); }
.btn-light { background: var(--cream); color: var(--charcoal); border-color: var(--cream); }
.btn-light:hover { background: var(--white); color: var(--charcoal); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-row .btn { flex: 1 1 200px; }
@media (min-width: 600px) { .btn-row .btn { flex: 0 0 auto; } }

/* ---------- Top bar + header ---------- */
.topbar {
  background: var(--charcoal); color: var(--beige);
  font-size: .78rem; letter-spacing: .06em;
}
.topbar .wrap { display: flex; justify-content: space-between; gap: 12px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.topbar a { color: var(--beige); text-decoration: none; }
.topbar a:hover { color: var(--white); }
.topbar .hide-sm { display: none; }
.topbar .lang-switch { font-weight: 500; color: var(--white); text-decoration: underline; text-underline-offset: 3px; }
@media (min-width: 700px) { .topbar .hide-sm { display: inline; } }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 243, 236, .96);
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }

.brand { display: flex; flex-direction: column; text-decoration: none; line-height: 1.05; }
.brand-name { font-family: var(--font-display); font-size: 1.55rem; color: var(--charcoal); font-weight: 500; }
.brand-sub { font-size: .66rem; letter-spacing: .26em; text-transform: uppercase; color: var(--taupe-dark); margin-top: 4px; }
.brand-sub strong { font-weight: 600; color: var(--charcoal); letter-spacing: .3em; }
@media (max-width: 479px) { .hide-xs { display: none; } }

.nav-toggle {
  display: inline-flex; flex-direction: column; justify-content: center; gap: 6px;
  width: 48px; height: 48px; background: none; border: 0; cursor: pointer; padding: 12px;
}
.nav-toggle span { display: block; height: 1.5px; background: var(--charcoal); transition: transform .25s, opacity .25s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

.site-nav {
  position: fixed; inset: 72px 0 auto 0;
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  padding: 8px var(--gutter) 24px;
  display: none;
  max-height: calc(100vh - 72px); overflow-y: auto;
}
.site-nav.open { display: block; }
.site-nav ul { list-style: none; margin: 0; padding: 0; }
.site-nav a {
  display: block; padding: 14px 0; text-decoration: none;
  font-size: .9rem; letter-spacing: .12em; text-transform: uppercase; color: var(--charcoal);
  border-bottom: 1px solid var(--line);
}
.site-nav a[aria-current="page"] { color: var(--mocha); }
.site-nav .sub a { padding-left: 16px; font-size: .82rem; color: var(--ink); }
.site-nav .nav-cta { margin-top: 18px; }
.site-nav .nav-cta a { border: 1px solid var(--charcoal); background: var(--charcoal); color: var(--cream); text-align: center; border-radius: var(--radius); }

@media (min-width: 1000px) {
  .nav-toggle { display: none; }
  .site-nav { position: static; display: block; background: none; border: 0; padding: 0; max-height: none; overflow: visible; }
  .site-nav > ul { display: flex; align-items: center; gap: 26px; }
  .site-nav a { border: 0; padding: 8px 0; font-size: .76rem; }
  .site-nav .has-sub { position: relative; }
  .site-nav .sub {
    position: absolute; top: 100%; left: -18px; min-width: 240px;
    background: var(--white); box-shadow: var(--shadow); border-radius: var(--radius);
    padding: 10px 18px; display: none;
  }
  .site-nav .has-sub:hover .sub, .site-nav .has-sub:focus-within .sub { display: block; }
  .site-nav .sub a { padding: 9px 0; border-bottom: 1px solid var(--line); }
  .site-nav .sub li:last-child a { border-bottom: 0; }
  .site-nav .nav-cta { margin: 0; }
  .site-nav .nav-cta a { padding: 12px 20px; }
  .site-nav .nav-cta a:hover { background: var(--mocha); border-color: var(--mocha); }
}

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
@media (min-width: 900px) { .section { padding: 110px 0; } }
.bg-white { background: var(--white); }
.bg-beige { background: var(--beige); }
.bg-dark { background: var(--charcoal); color: var(--beige); }
.bg-dark h2, .bg-dark h3 { color: var(--cream); }
.bg-dark .eyebrow { color: var(--sand); }
.bg-mocha { background: var(--mocha); color: var(--beige); }
.bg-mocha h2, .bg-mocha h3 { color: var(--cream); }
.bg-mocha .eyebrow { color: var(--sand); }

.section-head { max-width: 680px; margin-bottom: 44px; }
.section-head.center { margin-left: auto; margin-right: auto; }

.divider { width: 56px; height: 1px; background: var(--taupe); margin: 18px 0 24px; border: 0; }
.center .divider, .divider.center { margin-left: auto; margin-right: auto; }

/* ---------- Hero ---------- */
.hero { padding: 40px 0 64px; overflow: hidden; }
.hero .wrap { display: grid; gap: 40px; align-items: center; }
.hero h1 em { font-style: italic; color: var(--mocha); }
.hero .lead { max-width: 540px; }
.hero-photo { position: relative; max-width: 440px; margin: 0 auto; width: 100%; }
.hero-photo img {
  width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: center 20%;
  border-radius: 220px 220px var(--radius) var(--radius);
}
.hero-photo::before {
  content: ""; position: absolute; inset: 18px -18px -18px 18px;
  border: 1px solid var(--taupe); border-radius: 220px 220px var(--radius) var(--radius); z-index: -1;
}
.hero-badge {
  position: absolute; left: -8px; bottom: 28px;
  background: var(--white); padding: 14px 18px; border-radius: var(--radius); box-shadow: var(--shadow);
  font-size: .8rem; line-height: 1.35;
}
.hero-badge .stars { color: var(--mocha); letter-spacing: 2px; font-size: .95rem; }
.hero-badge strong { font-family: var(--font-display); font-size: 1.5rem; color: var(--charcoal); font-weight: 600; }
.hero-meta { margin-top: 26px; font-size: .8rem; letter-spacing: .08em; color: var(--taupe-dark); }
@media (min-width: 900px) {
  .hero { padding: 70px 0 110px; }
  .hero .wrap { grid-template-columns: 1.1fr .9fr; gap: 70px; }
  .hero-photo { margin: 0 0 0 auto; }
}

.page-hero { padding: 56px 0 48px; background: var(--beige); }
.page-hero h1 { font-size: clamp(2.3rem, 6vw, 3.6rem); }
.page-hero .lead { max-width: 680px; }
.breadcrumbs { font-size: .78rem; letter-spacing: .06em; margin-bottom: 18px; color: var(--taupe-dark); }
.breadcrumbs a { color: var(--taupe-dark); }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0; }
.breadcrumbs li + li::before { content: "/"; margin-right: 6px; color: var(--taupe); }

/* ---------- Trust strip ---------- */
.trust { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.trust ul { list-style: none; margin: 0; padding: 26px 0; display: grid; grid-template-columns: 1fr 1fr; gap: 22px 12px; text-align: center; }
.trust li strong { display: block; font-family: var(--font-display); font-size: 2rem; color: var(--charcoal); font-weight: 500; line-height: 1.1; }
.trust li span { font-size: .72rem; letter-spacing: .16em; text-transform: uppercase; color: var(--taupe-dark); }
@media (min-width: 800px) { .trust ul { grid-template-columns: repeat(4, 1fr); } }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 22px; }
@media (min-width: 700px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 700px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1050px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } .grid-3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 700px) and (max-width: 1049px) { .grid-3 { grid-template-columns: repeat(2, 1fr); } }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; display: flex; flex-direction: column;
  transition: transform .25s, box-shadow .25s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.card .num { font-family: var(--font-display); font-size: 1rem; color: var(--taupe-dark); letter-spacing: .14em; margin-bottom: 18px; }
.card h3 { margin-bottom: 10px; }
.card p { font-size: .97rem; }
.card .more { margin-top: auto; font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; text-decoration: none; font-weight: 500; }
.card .more::after { content: " →"; }
.bg-white .card { background: var(--cream); }

/* ---------- More products + brand banner ---------- */
.more-products {
  margin-top: 40px; display: grid; gap: 30px;
  background: var(--beige); border-radius: var(--radius); padding: 34px 26px;
}
@media (min-width: 900px) { .more-products { grid-template-columns: .9fr 1.1fr; gap: 50px; padding: 48px; align-items: center; } }
.more-products h3 { font-size: clamp(1.7rem, 3.5vw, 2.2rem); }
.chips { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.chips li {
  background: var(--white); border: 1px solid var(--sand); border-radius: 999px;
  padding: 8px 16px; font-size: .88rem; color: var(--charcoal);
}

.brand-banner { background: #5F4E43; }
.brand-banner img { width: 100%; max-width: 1400px; margin: 0 auto; }

/* Hero without photo (banner above carries the image) */
.hero-solo { padding: 44px 0 56px; text-align: center; }
.hero-solo .wrap { display: block; max-width: 860px; }
.hero-solo .lead { margin-left: auto; margin-right: auto; max-width: 680px; }
.hero-solo .btn-row { justify-content: center; }
.hero-rating { margin: 22px 0 0; font-size: .92rem; }
.hero-rating .stars { color: var(--mocha); letter-spacing: 2px; }
.hero-rating strong { font-family: var(--font-display); font-size: 1.25rem; color: var(--charcoal); }
@media (min-width: 900px) { .hero-solo { padding: 70px 0 80px; } }

/* ---------- Split / about ---------- */
.split { display: grid; gap: 44px; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 80px; } .split.reverse > :first-child { order: 2; } }
.portrait { position: relative; }
.portrait img { width: 100%; border-radius: var(--radius); aspect-ratio: 3 / 4; object-fit: cover; object-position: center top; }
.portrait figcaption { font-size: .78rem; color: var(--taupe-dark); margin-top: 10px; letter-spacing: .06em; }

.checklist { list-style: none; padding: 0; margin: 0 0 1.4em; }
.checklist li { position: relative; padding-left: 30px; margin-bottom: 12px; }
.checklist li::before { content: ""; position: absolute; left: 2px; top: .62em; width: 14px; height: 1px; background: var(--mocha); }

/* ---------- Steps ---------- */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 30px; }
@media (min-width: 800px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.steps li { counter-increment: step; border-top: 1px solid var(--taupe); padding-top: 22px; }
.steps li::before { content: "0" counter(step); display: block; font-family: var(--font-display); font-size: 2.4rem; color: var(--sand); line-height: 1; margin-bottom: 12px; }
.bg-dark .steps li { border-color: #5a544e; }
.bg-dark .steps li::before { color: var(--taupe); }
.steps h3 { font-size: 1.35rem; }
.steps p { font-size: .95rem; }

/* ---------- Reviews ---------- */
.reviews { display: grid; gap: 20px; }
@media (min-width: 700px) { .reviews { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1050px) { .reviews { grid-template-columns: repeat(3, 1fr); } }
.review { background: var(--white); border-radius: var(--radius); padding: 28px 26px; border: 1px solid var(--line); }
.review .stars { color: var(--mocha); letter-spacing: 3px; font-size: .9rem; }
.review h3 { font-size: 1.45rem; margin: 10px 0 12px; font-style: italic; }
.review .who { font-size: .82rem; letter-spacing: .06em; color: var(--ink); margin: 0; }
.review .tags { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--taupe-dark); margin-top: 10px; }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; padding: 22px 40px 22px 0; position: relative;
  font-family: var(--font-display); font-size: 1.35rem; color: var(--charcoal); line-height: 1.3;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 18px; font-family: var(--font-body); font-weight: 300; font-size: 1.6rem; color: var(--mocha); }
.faq details[open] summary::after { content: "–"; }
.faq .answer { padding: 0 0 22px; }
.faq .answer p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.cta-band { text-align: center; }
.cta-band .btn-row { justify-content: center; margin-top: 28px; }
.cta-band p { max-width: 620px; margin-left: auto; margin-right: auto; }

/* ---------- Prose (loan pages) ---------- */
.prose h2 { font-size: clamp(1.8rem, 4vw, 2.4rem); margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .5em; }
.content-grid { display: grid; gap: 50px; }
@media (min-width: 1000px) { .content-grid { grid-template-columns: 1fr 340px; gap: 70px; align-items: start; } }
.sidebar { position: sticky; top: 100px; }
.side-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; margin-bottom: 20px; }
.side-card img { width: 88px; height: 88px; border-radius: 50%; object-fit: cover; margin-bottom: 14px; }
.side-card h3 { font-size: 1.4rem; margin-bottom: 4px; }
.side-card .btn { width: 100%; margin-top: 10px; }
.side-card p { font-size: .92rem; }
.note { font-size: .85rem; color: var(--taupe-dark); background: var(--beige); padding: 16px 18px; border-radius: var(--radius); }

.table-wrap { overflow-x: auto; margin: 0 0 1.4em; }
table { border-collapse: collapse; width: 100%; font-size: .95rem; background: var(--white); }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-weight: 500; color: var(--charcoal); background: var(--beige); font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; }

/* ---------- Forms & calculator ---------- */
.form { display: grid; gap: 16px; }
.form .row-2 { display: grid; gap: 16px; }
@media (min-width: 640px) { .form .row-2 { grid-template-columns: 1fr 1fr; } }
.field label { display: block; font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--charcoal); margin-bottom: 6px; font-weight: 500; }
.field input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 14px;
  font: inherit; font-size: 16px; /* 16px prevents iOS zoom */
  color: var(--charcoal); background: var(--white);
  border: 1px solid var(--sand); border-radius: var(--radius);
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--mocha); box-shadow: 0 0 0 3px rgba(95, 78, 67, .15); }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .8rem; line-height: 1.5; color: var(--ink); }
.consent input { width: 20px; height: 20px; flex: 0 0 20px; margin-top: 2px; accent-color: var(--charcoal); }
.hp { position: absolute; left: -5000px; }

.calc { display: grid; gap: 30px; }
@media (min-width: 900px) { .calc { grid-template-columns: 1fr 1fr; gap: 50px; } }
.calc-result { background: var(--charcoal); color: var(--beige); border-radius: var(--radius); padding: 32px 28px; }
.calc-result .big { font-family: var(--font-display); font-size: 3.2rem; color: var(--cream); line-height: 1; margin: 8px 0 20px; }
.calc-result dl { display: grid; grid-template-columns: 1fr auto; gap: 10px 20px; margin: 0; font-size: .95rem; }
.calc-result dt { color: var(--sand); }
.calc-result dd { margin: 0; text-align: right; color: var(--cream); }
.calc-result .fine { font-size: .75rem; color: var(--sand); margin-top: 22px; line-height: 1.5; }

/* ---------- Footer ---------- */
.site-footer { background: var(--charcoal); color: #CFC6BA; font-size: .9rem; padding: 64px 0 30px; }
.site-footer a { color: var(--cream); text-decoration: none; }
.site-footer a:hover { text-decoration: underline; color: var(--white); }
.footer-grid { display: grid; gap: 36px; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.site-footer h2 { font-family: var(--font-body); font-size: .74rem; letter-spacing: .2em; text-transform: uppercase; color: var(--sand); font-weight: 500; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer .brand-name { color: var(--cream); }
.site-footer address { font-style: normal; }
.footer-legal { border-top: 1px solid #47433F; margin-top: 44px; padding-top: 26px; font-size: .76rem; line-height: 1.6; color: #B2A99D; }
.footer-legal p { margin-bottom: .9em; }
.ehl { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 14px; color: var(--cream); font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; }
.ehl svg { width: 34px; height: 34px; flex: 0 0 34px; }

/* ---------- Mobile action bar ---------- */
.action-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  display: grid; grid-template-columns: 1fr 1fr 1.4fr;
  background: var(--charcoal); border-top: 1px solid #47433F;
  padding-bottom: env(safe-area-inset-bottom);
}
.action-bar a {
  display: flex; align-items: center; justify-content: center; gap: 6px; height: 60px;
  color: var(--cream); text-decoration: none; font-size: .74rem; letter-spacing: .14em; text-transform: uppercase;
}
.action-bar a + a { border-left: 1px solid #47433F; }
.action-bar a.primary { background: var(--mocha); }
.action-bar svg { width: 17px; height: 17px; }
@media (min-width: 900px) { .action-bar { display: none; } }

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.mt-lg { margin-top: 40px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; }
}