/* ==========================================================================
   LOANS BY DAVE — Design System
   Palette: ink #15202B, paper #F7F3EC, signal terracotta #D9622B,
            slate #5C6770, hairline #DDD6C9, deep terracotta #B84F1F
   Type: Fraunces (display serif) / Inter (body/grotesk) / JetBrains Mono (data)
   ========================================================================== */

/* NOTE: This site is designed for Fraunces (display), Inter (body), and
   JetBrains Mono (data/numbers) from Google Fonts. Add this to the <head>
   of every page, above the stylesheet links, once hosted online:

   <link rel="preconnect" href="https://fonts.googleapis.com">
   <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
   <link href="https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,400;1,9..144,500&family=Inter:wght@400;500;600;700&family=JetBrains+Mono:wght@400;500;600&display=swap" rel="stylesheet">

   The fallback stack below preserves the same personality (serif display /
   clean grotesk body / mono data) until those fonts are wired in. */

:root {
  --ink: #15202B;
  --ink-soft: #1F2E3C;
  --paper: #F7F3EC;
  --paper-raised: #FFFDF9;
  --signal: #D9622B;
  --signal-deep: #B84F1F;
  --signal-tint: #F3DCC9;
  --slate: #5C6770;
  --slate-light: #899399;
  --hairline: #DDD6C9;
  --hairline-dark: #2A3A4A;

  --font-display: 'Iowan Old Style', 'Palatino Linotype', Palatino, Georgia, 'Times New Roman', serif;
  --font-body: -apple-system, BlinkMacSystemFont, 'Segoe UI', Inter, Roboto, sans-serif;
  --font-mono: 'SF Mono', 'Cascadia Code', Consolas, 'Roboto Mono', monospace;

  --container: 1180px;
  --radius: 2px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  font-family: var(--font-body);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
ul { list-style: none; }
img, video { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select { font-family: inherit; }

:focus-visible {
  outline: 2px solid var(--signal);
  outline-offset: 3px;
}

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}

/* ---------- Type scale ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: -0.01em;
  line-height: 1.05;
}

.display-1 {
  font-size: clamp(2.75rem, 6vw, 5.5rem);
  font-weight: 500;
  letter-spacing: -0.02em;
}

.display-2 {
  font-size: clamp(2.1rem, 4vw, 3.4rem);
  font-weight: 500;
}

.display-3 {
  font-size: clamp(1.6rem, 2.6vw, 2.2rem);
  font-weight: 500;
}

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--signal-deep);
  font-weight: 600;
}

.eyebrow.on-dark { color: var(--signal); }

.lede {
  font-size: clamp(1.05rem, 1.6vw, 1.25rem);
  color: var(--slate);
  line-height: 1.55;
  max-width: 640px;
}

.mono {
  font-family: var(--font-mono);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 14px 26px;
  border-radius: var(--radius);
  transition: transform 0.15s ease, background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--signal);
  color: var(--paper-raised);
}
.btn-primary:hover { background: var(--signal-deep); transform: translateY(-1px); }

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--ink);
  color: var(--ink);
}
.btn-outline:hover { background: var(--ink); color: var(--paper); }

.btn-outline.on-dark {
  border-color: rgba(247,243,236,0.4);
  color: var(--paper);
}
.btn-outline.on-dark:hover { background: var(--paper); color: var(--ink); }

.btn-ghost {
  color: var(--ink);
  font-size: 0.9rem;
  font-weight: 600;
  padding: 8px 0;
  border-bottom: 1.5px solid var(--signal);
}
.btn-ghost:hover { color: var(--signal-deep); }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247,243,236,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--hairline);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.logo {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  display: flex;
  align-items: baseline;
  gap: 6px;
  white-space: nowrap;
  flex-shrink: 0;
}
.logo .dot { color: var(--signal); }
.logo .brand-s { margin-left: 3px; }

.main-nav {
  display: flex;
  align-items: center;
  gap: 34px;
}

.main-nav > ul {
  display: flex;
  gap: 20px;
}

.main-nav > ul > li {
  position: relative;
}

.nav-link {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--ink);
  padding: 10px 0;
  display: flex;
  white-space: nowrap;
  align-items: center;
  gap: 5px;
}
.nav-link:hover { color: var(--signal-deep); }

.nav-link .caret {
  font-size: 0.6rem;
  transition: transform 0.2s ease;
}

.has-dropdown:hover .caret { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: 100%;
  left: -16px;
  background: var(--paper-raised);
  border: 1px solid var(--hairline);
  box-shadow: 0 18px 40px rgba(21,32,43,0.12);
  min-width: 300px;
  padding: 10px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
}

.has-dropdown:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown a {
  display: block;
  padding: 11px 14px;
  border-radius: var(--radius);
  font-size: 0.88rem;
  font-weight: 500;
}
.dropdown a:hover { background: var(--paper); color: var(--signal-deep); }
.dropdown a span {
  display: block;
  font-size: 0.78rem;
  color: var(--slate);
  font-weight: 400;
  margin-top: 2px;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 18px;
}

.phone-link {
  font-family: var(--font-mono);
  font-size: 0.86rem;
  font-weight: 500;
  color: var(--ink);
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.mobile-toggle span {
  width: 22px;
  height: 2px;
  background: var(--ink);
}

.mobile-phone-link { display: none; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: var(--paper);
  padding: 80px 0 0;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 56px;
  border-bottom: 1px solid var(--hairline-dark);
}

.footer-brand .logo { color: var(--paper); margin-bottom: 14px; }
.footer-brand p { color: var(--slate-light); font-size: 0.92rem; max-width: 280px; margin-bottom: 18px; }

.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--signal);
  font-weight: 600;
  margin-bottom: 18px;
}

.footer-col ul li { margin-bottom: 11px; }
.footer-col a {
  font-size: 0.9rem;
  color: var(--paper);
  opacity: 0.85;
}
.footer-col a:hover { opacity: 1; color: var(--signal); }

.footer-bottom {
  padding: 28px 0 40px;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}

.footer-legal {
  font-size: 0.78rem;
  color: var(--slate-light);
  line-height: 1.6;
  max-width: 760px;
}

.footer-legal a { text-decoration: underline; text-decoration-color: var(--slate); }

.footer-social {
  display: flex;
  gap: 16px;
}
.footer-social a { font-size: 0.85rem; color: var(--paper); opacity: 0.7; }
.footer-social a:hover { opacity: 1; }

/* ---------- Sections ---------- */
section { position: relative; }
.section-pad { padding: 100px 0; }
.section-pad-sm { padding: 64px 0; }

.section-head {
  max-width: 680px;
  margin-bottom: 56px;
}
.section-head .eyebrow { display: block; margin-bottom: 14px; }
.section-head h2 { margin-bottom: 16px; }

.bg-ink { background: var(--ink); color: var(--paper); }
.bg-ink .slate-text { color: var(--slate-light); }
.bg-raised { background: var(--paper-raised); }

.slate-text { color: var(--slate); }

/* ---------- Card grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.program-card {
  background: var(--paper-raised);
  border: 1px solid var(--hairline);
  padding: 32px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.program-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 40px rgba(21,32,43,0.08);
  border-color: var(--signal);
}
.program-card .num { font-family: var(--font-mono); color: var(--signal); font-size: 0.82rem; margin-bottom: 18px; display: block; }
.program-card h3 { font-size: 1.3rem; margin-bottom: 10px; }
.program-card p { color: var(--slate); font-size: 0.92rem; margin-bottom: 18px; }

/* ---------- Stat strip ---------- */
.stat-strip {
  display: flex;
  border-top: 1px solid var(--hairline-dark);
  border-bottom: 1px solid var(--hairline-dark);
}
.stat {
  flex: 1;
  padding: 28px 0;
  text-align: center;
  border-right: 1px solid var(--hairline-dark);
}
.stat:last-child { border-right: none; }
.stat .num { font-family: var(--font-mono); font-size: 1.9rem; color: var(--signal); display: block; }
.stat .label { font-size: 0.78rem; color: var(--slate-light); letter-spacing: 0.04em; margin-top: 6px; }

/* ---------- Forms ---------- */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 18px; }
.form-field { display: flex; flex-direction: column; gap: 7px; }
.form-field label { font-size: 0.82rem; font-weight: 600; color: var(--ink); }
.form-field input, .form-field select, .form-field textarea {
  border: 1.5px solid var(--hairline);
  background: var(--paper-raised);
  padding: 13px 14px;
  font-size: 0.95rem;
  border-radius: var(--radius);
  transition: border-color 0.15s ease;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  border-color: var(--signal);
  outline: none;
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
}
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .main-nav { display: none; }
  .phone-link { display: none; }
  .main-nav.mobile-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    background: var(--paper-raised);
    border-bottom: 1px solid var(--hairline);
    padding: 20px 28px 28px;
    gap: 0;
  }
  .main-nav.mobile-open > ul {
    flex-direction: column;
    gap: 4px;
    width: 100%;
  }
  .main-nav.mobile-open .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    display: none;
    margin: 4px 0 8px;
  }
  .main-nav.mobile-open .has-dropdown.is-open .dropdown { display: block; }
  .mobile-toggle { display: flex; }
  .mobile-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .mobile-toggle.open span:nth-child(2) { opacity: 0; }
  .mobile-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .main-nav.mobile-open .mobile-phone-link {
    display: block;
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid var(--hairline);
    font-family: var(--font-mono);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--signal-deep);
  }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 36px; }
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .stat-strip { flex-wrap: wrap; }
  .stat { flex: 1 1 50%; border-bottom: 1px solid var(--hairline-dark); }
}

@media (max-width: 640px) {
  .container { padding: 0 20px; }
  .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .stat { flex: 1 1 100%; }
  .footer-bottom { flex-direction: column; }
}
