/* ------------------------------------------------------------------
   Antonio Gonzalez · Loan Officer
   Palette: warm linen, deep olive, soft clay, ink
   Type: Fraunces (display) + Instrument Sans (body)
------------------------------------------------------------------ */

:root {
  --linen: #f6f1e8;
  --linen-deep: #ece4d6;
  --cream: #fbf8f2;
  --olive: #3f4d3a;
  --olive-deep: #2c3729;
  --olive-soft: #7d8b72;
  --sage: #cbd3bf;
  --clay: #c8896a;
  --clay-soft: #e8c9b6;
  --ink: #1f2320;
  --ink-soft: #5b615a;
  --line: rgba(31, 35, 32, 0.12);

  --display: "Fraunces", Georgia, serif;
  --body: "Instrument Sans", system-ui, -apple-system, sans-serif;

  --wrap: 1180px;
  --radius: 22px;
  --ease: cubic-bezier(.2,.7,.2,1);
}

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

html { scroll-behavior: smooth; }

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

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; }

h1, h2, h3 {
  font-family: var(--display);
  font-weight: 400;
  line-height: 1.08;
  margin: 0 0 .5em;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.8rem, 6.4vw, 5rem); font-optical-sizing: auto; }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: 1.35rem; }
h1 em { font-style: italic; color: var(--olive); font-weight: 300; }

.wrap { width: min(var(--wrap), calc(100% - 40px)); margin-inline: auto; }

.eyebrow {
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--clay);
  margin-bottom: 1.1em;
}
.eyebrow--light { color: var(--clay-soft); }

.lead { font-size: 1.15rem; color: var(--ink-soft); max-width: 34rem; }

.skip {
  position: absolute; left: -999px; top: 8px;
  background: var(--ink); color: #fff; padding: 8px 12px; border-radius: 6px;
}
.skip:focus { left: 8px; z-index: 100; }

/* Buttons ---------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 600; font-size: .95rem;
  text-decoration: none;
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), background .25s, color .25s, border-color .25s;
  cursor: pointer;
  font-family: var(--body);
}
.btn:hover { transform: translateY(-2px); }
.btn--solid { background: var(--olive); color: var(--cream); }
.btn--solid:hover { background: var(--olive-deep); }
.btn--ghost { border-color: var(--line); color: var(--ink); background: transparent; }
.btn--ghost:hover { border-color: var(--olive); }
.btn--light { background: var(--cream); color: var(--olive-deep); }
.btn--light:hover { background: #fff; }
.btn--full { width: 100%; }

/* Nav -------------------------------------------------------------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(246, 241, 232, .85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s;
}
.nav.is-scrolled { border-bottom-color: var(--line); }
.nav__inner {
  display: flex; align-items: center; gap: 32px;
  height: 78px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; margin-right: auto; }
.brand__mark {
  width: 42px; height: 42px; border-radius: 12px;
  background: var(--olive); color: var(--cream);
  display: grid; place-items: center;
  font-family: var(--display); font-size: 1.05rem; letter-spacing: .02em;
  flex-shrink: 0;
}
.brand__text { display: flex; flex-direction: column; line-height: 1.15; font-weight: 600; font-size: .98rem; }
.brand__text small { font-weight: 400; font-size: .74rem; color: var(--ink-soft); margin-top: 2px; }
.nav__links { display: flex; gap: 28px; }
.nav__links a {
  text-decoration: none; font-size: .93rem; font-weight: 500; color: var(--ink-soft);
  position: relative; padding: 4px 0;
}
.nav__links a::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 1.5px;
  background: var(--clay); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease);
}
.nav__links a:hover { color: var(--ink); }
.nav__links a:hover::after { transform: scaleX(1); }
.nav__cta { padding: 11px 22px; }
.nav__toggle {
  display: none; background: none; border: 0; padding: 8px; cursor: pointer;
  flex-direction: column; gap: 6px;
}
.nav__toggle span { display: block; width: 24px; height: 2px; background: var(--ink); transition: transform .3s, opacity .3s; }
.nav__toggle[aria-expanded="true"] span:first-child { transform: translateY(4px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:last-child { transform: translateY(-4px) rotate(-45deg); }
.mobile-menu {
  display: none; flex-direction: column; gap: 4px;
  padding: 8px 20px 24px; border-top: 1px solid var(--line);
}
.mobile-menu a { text-decoration: none; padding: 12px 4px; font-weight: 500; }
.mobile-menu .btn { margin-top: 12px; }
.mobile-menu.is-open { display: flex; }

/* Hero ------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden;
  padding: clamp(48px, 8vw, 110px) 0 clamp(64px, 8vw, 110px);
}
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(60% 55% at 85% 20%, rgba(203, 211, 191, .55), transparent 70%),
    radial-gradient(45% 45% at 10% 90%, rgba(232, 201, 182, .45), transparent 70%);
}
.hero__grid {
  display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(40px, 6vw, 90px);
  align-items: center;
}
.hero__copy h1 { margin-bottom: .35em; }
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 30px 0 0; }
.hero__photo { position: relative; justify-self: end; width: min(100%, 440px); }
.photo-frame {
  border-radius: 220px 220px var(--radius) var(--radius);
  overflow: hidden;
  aspect-ratio: 4 / 5.2;
  box-shadow: 0 30px 60px -30px rgba(44, 55, 41, .45);
  position: relative;
}
.photo-frame::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(31,35,32,.18), transparent 45%);
}
.photo-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.hero__card {
  position: absolute; left: -32px; bottom: 36px;
  background: var(--cream); border: 1px solid var(--line);
  border-radius: 16px; padding: 16px 20px;
  display: flex; flex-direction: column; gap: 2px;
  box-shadow: 0 18px 40px -20px rgba(31,35,32,.35);
  animation: float 6s ease-in-out infinite;
}
.hero__card-label { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--clay); font-weight: 600; }
.hero__card-title { font-family: var(--display); font-size: 1.15rem; }
.hero__card-sub { font-size: .8rem; color: var(--ink-soft); }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* Strip ------------------------------------------------------------ */
.strip {
  overflow: hidden; border-block: 1px solid var(--line);
  background: var(--cream); padding: 18px 0;
}
.strip__track {
  display: flex; gap: 40px; width: max-content;
  animation: marquee 32s linear infinite;
  font-family: var(--display); font-size: 1.1rem; color: var(--olive); white-space: nowrap;
}
.strip__track i { font-style: normal; color: var(--clay); font-size: .8rem; align-self: center; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* Sections --------------------------------------------------------- */
section { padding: clamp(72px, 9vw, 130px) 0; }
.section-head { text-align: center; max-width: 42rem; margin: 0 auto 56px; }
.section-head--left { text-align: left; margin-left: 0; }
.section-head__sub { color: var(--ink-soft); font-size: 1.08rem; }

/* About ------------------------------------------------------------ */
.about { background: var(--cream); }
.about__grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: clamp(36px, 6vw, 96px); }
.about__aside h2 { position: sticky; top: 110px; }
.about__body p { font-size: 1.08rem; color: var(--ink-soft); }

/* Loans ------------------------------------------------------------ */
.loan-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.loan-card {
  background: var(--cream); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 30px 26px 28px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 30px 50px -30px rgba(44,55,41,.4);
  border-color: var(--sage);
}
.loan-card__icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--linen-deep); color: var(--olive);
  display: grid; place-items: center; margin-bottom: 22px;
}
.loan-card__icon svg { width: 26px; height: 26px; }
.loan-card h3 { font-size: 1.3rem; }
.loan-card p { font-size: .94rem; color: var(--ink-soft); }
.loan-card ul { list-style: none; margin-top: 18px; padding-top: 16px; border-top: 1px dashed var(--line); }
.loan-card li { font-size: .88rem; padding: 4px 0 4px 18px; position: relative; }
.loan-card li::before { content: "✦"; position: absolute; left: 0; color: var(--clay); font-size: .7rem; top: 7px; }

/* Reviews ---------------------------------------------------------- */
.reviews { background: var(--olive-deep); color: var(--cream); }
.reviews .section-head h2 { color: var(--cream); }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; align-items: start; }
.review-card {
  margin: 0; padding: 32px 28px 28px;
  background: rgba(251,248,242,.06); border: 1px solid rgba(251,248,242,.12);
  border-radius: var(--radius);
  display: flex; flex-direction: column; gap: 18px;
}
.review-card__stars { color: var(--clay-soft); letter-spacing: .2em; font-size: .95rem; }
.review-card blockquote { margin: 0; }
.review-card blockquote p { margin: 0; font-family: var(--display); font-size: 1.12rem; line-height: 1.5; color: rgba(251,248,242,.92); }
.review-card figcaption { display: flex; flex-direction: column; gap: 2px; padding-top: 16px; border-top: 1px solid rgba(251,248,242,.12); }
.review-card__name { font-weight: 600; color: var(--cream); }
.review-card__meta { font-size: .8rem; color: rgba(251,248,242,.6); }

/* FAQ -------------------------------------------------------------- */
.faq { background: var(--cream); }
.faq__grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: clamp(36px, 6vw, 96px); align-items: start; }
.faq__intro { position: sticky; top: 110px; }
.faq__intro p { color: var(--ink-soft); font-size: 1.05rem; }
.accordion details { border-top: 1px solid var(--line); }
.accordion details:last-child { border-bottom: 1px solid var(--line); }
.accordion summary {
  list-style: none; cursor: pointer; padding: 24px 40px 24px 0;
  font-family: var(--display); font-size: 1.3rem; position: relative;
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after {
  content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  font-family: var(--body); font-size: 1.4rem; color: var(--clay); transition: transform .3s var(--ease);
}
.accordion details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.accordion details p { color: var(--ink-soft); padding-bottom: 24px; margin: 0; max-width: 40rem; }

/* Social ----------------------------------------------------------- */
.social { background: var(--linen); }
.social__inner { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 6vw, 96px); align-items: center; }
.social__copy p { color: var(--ink-soft); font-size: 1.05rem; margin-bottom: 28px; }
.social__feed { min-height: 320px; border-radius: 18px; overflow: hidden; }

/* Contact ---------------------------------------------------------- */
.contact { background: var(--cream); }
.contact__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 6vw, 96px); align-items: start; }
.contact__intro p { color: var(--ink-soft); font-size: 1.05rem; }
.contact__list { list-style: none; margin-top: 34px; display: grid; gap: 18px; }
.contact__list li { display: flex; flex-direction: column; gap: 2px; }
.contact__label { font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: var(--clay); font-weight: 600; }
.contact__list a { font-family: var(--display); font-size: 1.35rem; text-decoration: none; }
.contact__list a:hover { color: var(--olive); }

.form {
  background: var(--linen); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px; display: grid; gap: 18px;
}
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form label { display: flex; flex-direction: column; gap: 8px; font-size: .85rem; font-weight: 600; color: var(--ink-soft); }
.form input, .form select, .form textarea {
  font: inherit; font-weight: 400; color: var(--ink);
  padding: 13px 15px; border: 1.5px solid var(--line); border-radius: 12px;
  background: var(--cream); transition: border-color .2s, box-shadow .2s;
  width: 100%;
}
.form input:focus, .form select:focus, .form textarea:focus {
  outline: none; border-color: var(--olive); box-shadow: 0 0 0 4px rgba(63,77,58,.12);
}
.form textarea { resize: vertical; }
.form__note { font-size: .82rem; color: var(--ink-soft); text-align: center; margin: 0; }
.form__success {
  padding: 18px; border-radius: 12px; background: var(--sage); color: var(--olive-deep);
  font-weight: 500; text-align: center;
}

/* Footer ----------------------------------------------------------- */
.footer { background: var(--olive-deep); color: rgba(251,248,242,.8); padding: 60px 0 36px; font-size: .9rem; }
.footer__inner {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px;
  padding-bottom: 36px; border-bottom: 1px solid rgba(251,248,242,.12);
}
.footer__brand { display: flex; gap: 14px; align-items: flex-start; }
.footer__brand .brand__mark { background: var(--cream); color: var(--olive-deep); }
.footer__brand div { display: flex; flex-direction: column; gap: 2px; }
.footer__brand strong { color: var(--cream); font-size: 1rem; }
.footer__brand em { color: var(--clay-soft); font-style: italic; }
.footer__links, .footer__contact { display: flex; flex-direction: column; gap: 10px; }
.footer a { text-decoration: none; }
.footer a:hover { color: var(--cream); }
.footer__legal { padding-top: 28px; font-size: .76rem; color: rgba(251,248,242,.5); max-width: 60rem; }
.footer__legal p { margin-bottom: .8em; }

/* Reveal ----------------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .hero__card, .strip__track { animation: none; }
  html { scroll-behavior: auto; }
}

/* Responsive ------------------------------------------------------- */
@media (max-width: 1024px) {
  .loan-grid { grid-template-columns: repeat(2, 1fr); }
  .review-grid { grid-template-columns: 1fr; max-width: 40rem; margin-inline: auto; }
  .footer__inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .nav__links, .nav__cta { display: none; }
  .nav__toggle { display: flex; }
  .hero__grid { grid-template-columns: 1fr; }
  .hero__photo { justify-self: center; width: min(100%, 380px); margin-top: 24px; }
  .hero__card { left: 12px; }
  .about__grid, .faq__grid, .social__inner, .contact__grid { grid-template-columns: 1fr; }
  .about__aside h2, .faq__intro { position: static; }
}

@media (max-width: 600px) {
  body { font-size: 16px; }
  .wrap { width: calc(100% - 32px); }
  .brand__text small { display: none; }
  .loan-grid { grid-template-columns: 1fr; }
  .form { padding: 22px; }
  .form__row { grid-template-columns: 1fr; }
  .footer__inner { grid-template-columns: 1fr; }
}