/* =====================================================================
   SecureLoanUS — design tokens
   Palette: ink navy ground, vault-green structure, brass "match" accent.
   Deliberately not the cream+terracotta or near-black+neon AI defaults.
   Type: Fraunces (display, institutional-but-warm serif) + IBM Plex Sans
   (body) + IBM Plex Mono (figures/data — ledger feel).
   ===================================================================== */

:root {
  --ink-900: #0B1A2B;
  --ink-700: #16283D;
  --ink-600: #22364C;
  --paper:   #EEF2F3;
  --paper-2: #F7F9F9;
  --slate:   #33404D;
  --slate-2: #5B6774;
  --vault-green: #1B5E4C;
  --vault-green-dark: #123F33;
  --brass:   #C9A24B;
  --brass-light: #E4C878;
  --danger:  #B3432F;
  --border:  #D9DFE1;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: 'IBM Plex Mono', 'SFMono-Regular', monospace;

  --radius: 10px;
  --radius-sm: 6px;
  --shadow-soft: 0 2px 10px rgba(11, 26, 43, 0.08);
  --shadow-card: 0 8px 28px rgba(11, 26, 43, 0.12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--slate);
  background: var(--paper);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

h1, h2, h3 { font-family: var(--font-display); color: var(--ink-900); margin: 0 0 0.4em; font-weight: 600; }
h1 { font-size: clamp(2.1rem, 4vw, 3.1rem); line-height: 1.1; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: 1.15rem; }
em { font-style: italic; color: var(--brass); }
p { margin: 0 0 1em; }
a { color: inherit; }

/* ---------------- header ---------------- */
.site-header {
  background: var(--ink-900);
  color: var(--paper);
  position: sticky; top: 0; z-index: 40;
  border-bottom: 1px solid rgba(238,242,243,0.08);
}
.header-row { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 8px; font-family: var(--font-display); font-size: 1.25rem; font-weight: 600; text-decoration: none; color: var(--paper); }
.brand-mark { color: var(--brass); display: inline-flex; }
.brand-accent { color: var(--brass); }
.header-nav { display: flex; align-items: center; gap: 28px; font-size: 0.92rem; }
.header-nav a:not(.btn) { text-decoration: none; color: rgba(238,242,243,0.82); transition: color .15s; }
.header-nav a:not(.btn):hover { color: var(--brass-light); }

/* ---------------- buttons ---------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-body); font-weight: 600; font-size: 0.95rem;
  padding: 12px 22px; border-radius: var(--radius-sm);
  text-decoration: none; cursor: pointer; border: 1.5px solid transparent;
  transition: transform .12s ease, box-shadow .12s ease, background .15s ease, color .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--vault-green); color: #fff; }
.btn-primary:hover { background: var(--vault-green-dark); box-shadow: var(--shadow-soft); }
.btn-ghost { background: transparent; border-color: var(--border); color: var(--ink-900); }
.btn-ghost:hover { border-color: var(--vault-green); color: var(--vault-green); }
.header-nav .btn-small { padding: 9px 16px; font-size: 0.85rem; background: var(--brass); color: var(--ink-900); }
.header-nav .btn-small:hover { background: var(--brass-light); }
.btn:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, button:focus-visible {
  outline: 2.5px solid var(--brass); outline-offset: 2px;
}

/* ---------------- hero ---------------- */
.hero { background: var(--ink-900); color: var(--paper); padding: 72px 0 90px; position: relative; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: center; }
.eyebrow { font-family: var(--font-mono); font-size: 0.78rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brass-light); margin-bottom: 18px; }
.hero h1 { color: var(--paper); }
.hero-sub { color: rgba(238,242,243,0.78); font-size: 1.05rem; max-width: 46ch; }
.hero-actions { display: flex; gap: 14px; margin: 28px 0 34px; flex-wrap: wrap; }
.hero .btn-ghost { border-color: rgba(238,242,243,0.35); color: var(--paper); }
.hero .btn-ghost:hover { border-color: var(--brass); color: var(--brass-light); }
.trust-row { list-style: none; margin: 0; padding: 0; display: flex; gap: 22px; flex-wrap: wrap; font-size: 0.82rem; color: rgba(238,242,243,0.7); }
.trust-row li { display: flex; align-items: center; gap: 7px; }
.trust-row svg { color: var(--brass); flex-shrink: 0; }

/* --- signature element: the waterfall SVG --- */
.hero-visual { display: flex; justify-content: center; }
.waterfall-svg { width: 100%; max-width: 380px; height: auto; overflow: visible; }
.waterfall-svg .tier rect { fill: var(--ink-700); stroke: rgba(238,242,243,0.14); stroke-width: 1; }
.waterfall-svg .tier-source rect { fill: var(--vault-green-dark); stroke: var(--vault-green); }
.waterfall-svg .tier-match rect { fill: var(--brass); stroke: var(--brass-light); }
.waterfall-svg text { font-family: var(--font-body); fill: var(--paper); font-size: 13px; }
.waterfall-svg .tier-source text { text-anchor: middle; font-weight: 600; }
.waterfall-svg .tier-match text { text-anchor: middle; fill: var(--ink-900); font-weight: 700; }
.waterfall-svg .tier-label { font-family: var(--font-mono); fill: var(--brass-light); font-size: 11px; }
.waterfall-svg .tier-name { font-weight: 500; }
.waterfall-svg .flow { stroke: rgba(238,242,243,0.35); stroke-width: 1.5; stroke-dasharray: 4 4; fill: none; }
.waterfall-svg .tier { animation: rise .6s ease both; }
.waterfall-svg .tier-source { animation-delay: 0s; }
.waterfall-svg .tier:nth-of-type(2) { animation-delay: .08s; }
.waterfall-svg .tier:nth-of-type(3) { animation-delay: .16s; }
.waterfall-svg .tier:nth-of-type(4) { animation-delay: .24s; }
.waterfall-svg .tier:nth-of-type(5) { animation-delay: .32s; }
.waterfall-svg .tier-match { animation-delay: .44s; }
@keyframes rise { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }

/* ---------------- generic sections ---------------- */
.section { padding: 76px 0; }
.section-sub { color: var(--slate-2); max-width: 56ch; font-size: 1.02rem; }
.section-dark { background: var(--ink-900); color: var(--paper); }
.section-dark h2, .section-dark h3 { color: var(--paper); }
.section-dark .section-sub { color: rgba(238,242,243,0.72); }

/* steps (genuine sequence -> numbered markers are appropriate here) */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin: 44px 0 0; padding: 0; }
.steps li { background: var(--paper-2); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px 22px; }
.step-num { font-family: var(--font-mono); color: var(--brass); background: var(--ink-900); display: inline-flex; align-items: center; justify-content: center; width: 34px; height: 34px; border-radius: 50%; font-size: 0.82rem; margin-bottom: 14px; }
.steps h3 { margin-bottom: 6px; }
.steps p { color: var(--slate-2); font-size: 0.94rem; margin: 0; }

/* lender panel */
.lender-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 40px; }
.lender-card { background: var(--ink-700); border: 1px solid rgba(238,242,243,0.1); border-radius: var(--radius); padding: 22px; }
.lender-card .rung { font-family: var(--font-mono); font-size: 0.72rem; letter-spacing: 0.05em; text-transform: uppercase; color: var(--brass-light); }
.lender-card h3 { margin: 10px 0 6px; font-size: 1.05rem; }
.lender-card p { color: rgba(238,242,243,0.68); font-size: 0.9rem; margin: 0; }

/* ---------------- form ---------------- */
.section-form { background: var(--paper); }
.form-head { text-align: center; max-width: 560px; margin: 0 auto 40px; }
.form-head .section-sub { margin: 0 auto; }

#loan-form {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  max-width: 640px; margin: 0 auto; padding: 34px 34px 30px; box-shadow: var(--shadow-card);
}
.hp-field { position: absolute; left: -9999px; opacity: 0; }

.progress-track { height: 4px; background: var(--border); border-radius: 4px; overflow: hidden; margin-bottom: 10px; }
.progress-fill { display: block; height: 100%; width: 25%; background: var(--vault-green); transition: width .3s ease; }
.progress-labels { display: flex; justify-content: space-between; font-family: var(--font-mono); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--slate-2); margin-bottom: 30px; }
.progress-labels .active { color: var(--vault-green); font-weight: 600; }

fieldset { border: none; padding: 0; margin: 0; }
legend { font-family: var(--font-display); font-size: 1.3rem; color: var(--ink-900); padding: 0; margin-bottom: 20px; }

.field { margin-bottom: 18px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field-row-3 { grid-template-columns: 1.4fr 0.8fr 1fr; }
label { display: block; font-size: 0.86rem; font-weight: 600; color: var(--ink-900); margin-bottom: 6px; }
input[type="text"], input[type="email"], input[type="tel"], select {
  width: 100%; padding: 11px 13px; border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: 0.96rem; color: var(--slate); background: #fff;
  transition: border-color .15s ease;
}
input:focus, select:focus { border-color: var(--vault-green); outline: none; }
input.invalid, select.invalid { border-color: var(--danger); }
.field-error { display: block; min-height: 16px; font-size: 0.78rem; color: var(--danger); margin-top: 4px; }
.input-prefix { display: flex; align-items: center; border: 1.5px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; }
.input-prefix span { padding: 0 0 0 13px; color: var(--slate-2); font-family: var(--font-mono); }
.input-prefix input { border: none; }
.input-prefix:focus-within { border-color: var(--vault-green); }

.step-actions { display: flex; justify-content: space-between; align-items: center; margin-top: 26px; }

.review-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 24px; background: var(--paper-2); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 18px 20px; margin-bottom: 20px; font-size: 0.9rem; }
.review-grid dt { font-family: var(--font-mono); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.03em; color: var(--slate-2); margin: 0; }
.review-grid dd { margin: 0 0 10px; color: var(--ink-900); font-weight: 500; }
.consent { display: flex; gap: 10px; font-size: 0.85rem; color: var(--slate-2); align-items: flex-start; line-height: 1.4; }
.consent input { margin-top: 3px; }

/* ---------------- results ---------------- */
.result-hero { padding: 90px 0 60px; text-align: center; }
.result-badge { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-mono); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; padding: 7px 14px; border-radius: 999px; margin-bottom: 20px; }
.result-badge.matched { background: rgba(27,94,76,0.12); color: var(--vault-green); }
.result-badge.no-match { background: rgba(179,67,47,0.1); color: var(--danger); }
.lender-result-card { max-width: 560px; margin: 30px auto 0; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-card); padding: 32px; text-align: left; }
.lender-result-card h3 { color: var(--brass); font-size: 0.8rem; font-family: var(--font-mono); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 6px; }
.lender-result-card .lender-name { font-family: var(--font-display); font-size: 1.6rem; color: var(--ink-900); margin-bottom: 18px; }
.result-figures { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; border-top: 1px solid var(--border); padding-top: 18px; }
.result-figures div span { display: block; }
.result-figures .label { font-family: var(--font-mono); font-size: 0.7rem; text-transform: uppercase; color: var(--slate-2); margin-bottom: 4px; }
.result-figures .value { font-family: var(--font-mono); font-size: 1.05rem; color: var(--ink-900); font-weight: 600; }

.waterfall-log { max-width: 640px; margin: 46px auto 0; text-align: left; }
.waterfall-log h4 { font-family: var(--font-mono); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--slate-2); margin-bottom: 14px; }
.log-row { display: flex; align-items: center; gap: 14px; padding: 12px 16px; border: 1px solid var(--border); border-radius: var(--radius-sm); margin-bottom: 8px; background: #fff; font-size: 0.88rem; }
.log-row .dot { width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0; }
.log-row.accepted .dot { background: var(--vault-green); }
.log-row.rejected .dot, .log-row.declined .dot { background: var(--border); border: 1.5px solid var(--slate-2); }
.log-row .lender { font-weight: 600; color: var(--ink-900); min-width: 190px; }
.log-row .reason { color: var(--slate-2); }
.log-row .priority { font-family: var(--font-mono); color: var(--slate-2); font-size: 0.78rem; }

.form-errors { max-width: 640px; margin: 0 auto 20px; background: rgba(179,67,47,0.08); border: 1px solid rgba(179,67,47,0.3); color: var(--danger); border-radius: var(--radius-sm); padding: 14px 18px; font-size: 0.9rem; }

/* ---------------- footer ---------------- */
.site-footer { background: var(--ink-900); color: rgba(238,242,243,0.6); padding: 26px 0; font-size: 0.82rem; }
.footer-row { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-links a { text-decoration: none; margin-left: 18px; color: rgba(238,242,243,0.6); }
.footer-links a:hover { color: var(--brass-light); }

/* ---------------- responsive ---------------- */
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { order: -1; max-width: 320px; margin: 0 auto 20px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .lender-grid { grid-template-columns: 1fr 1fr; }
  .header-nav a:not(.btn) { display: none; }
}
@media (max-width: 560px) {
  .steps { grid-template-columns: 1fr; }
  .lender-grid { grid-template-columns: 1fr; }
  .field-row, .field-row-3 { grid-template-columns: 1fr; }
  #loan-form { padding: 24px 18px; }
  .result-figures { grid-template-columns: 1fr; gap: 10px; }
}