/* VindLending — Navy + Gold theme
   Shared stylesheet across all pages
   ============================================ */

:root {
  --navy-900: #0a1628;
  --navy-800: #0f2440;
  --navy-700: #16345c;
  --navy-50: #f4f7fb;
  --gold-500: #c9a449;
  --gold-400: #d4b461;
  --gold-100: #f5ecd0;
  --ink: #0a1628;
  --ink-muted: #475569;
  --ink-subtle: #64748b;
  --paper: #ffffff;
  --hairline: rgba(10, 22, 40, 0.08);
  --hairline-strong: rgba(10, 22, 40, 0.16);
  --success: #15803d;
  --danger: #b91c1c;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--ink);
  line-height: 1.6;
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-700); }

.display { font-family: 'Fraunces', Georgia, serif; font-weight: 500; letter-spacing: -0.02em; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ===== TOP BAR ===== */
.topbar {
  background: var(--navy-900);
  color: rgba(255,255,255,0.85);
  font-size: 13px;
  padding: 10px 0;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.topbar a { color: var(--gold-400); text-decoration: none; }
.topbar a:hover { color: white; }

/* ===== NAVIGATION ===== */
nav.main {
  background: var(--paper);
  border-bottom: 1px solid var(--hairline);
  position: sticky;
  top: 0;
  z-index: 50;
}
nav.main .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
}
.logo {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 24px;
  font-weight: 600;
  color: var(--navy-900);
  letter-spacing: -0.01em;
  text-decoration: none;
}
.logo span { color: var(--gold-500); }
.nav-links { display: flex; gap: 32px; list-style: none; align-items: center; }
.nav-links a {
  color: var(--ink);
  text-decoration: none;
  font-size: 15px;
  font-weight: 500;
  transition: color .2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold-500); }
.btn-cta {
  background: var(--navy-900);
  color: white !important;
  padding: 12px 24px;
  border-radius: 4px;
  text-decoration: none;
  font-weight: 500;
  font-size: 14px;
  border: 1px solid var(--navy-900);
  transition: all .2s;
}
.btn-cta:hover { background: var(--gold-500); border-color: var(--gold-500); }

.menu-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.menu-toggle svg { width: 24px; height: 24px; }

/* ===== BUTTONS ===== */
.btn-primary {
  background: var(--gold-500); color: var(--navy-900); padding: 16px 32px;
  border-radius: 4px; text-decoration: none; font-weight: 600; font-size: 15px;
  transition: all .2s; display: inline-block; border: none; cursor: pointer;
}
.btn-primary:hover { background: var(--gold-400); transform: translateY(-1px); }
.btn-ghost {
  background: transparent; color: white !important; padding: 16px 32px;
  border-radius: 4px; text-decoration: none; font-weight: 500; font-size: 15px;
  border: 1px solid rgba(255,255,255,0.25); transition: all .2s; display: inline-block;
}
.btn-ghost:hover { background: rgba(255,255,255,0.08); }
.btn-secondary {
  background: var(--navy-900); color: white !important; padding: 16px 32px;
  border-radius: 4px; text-decoration: none; font-weight: 500; font-size: 15px;
  transition: all .2s; display: inline-block; border: none; cursor: pointer;
}
.btn-secondary:hover { background: var(--navy-700); }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 60%, var(--navy-700) 100%);
  color: white;
  padding: 100px 0 120px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; top: 0; right: 0; width: 50%; height: 100%;
  background-image: radial-gradient(circle at 80% 20%, rgba(201, 164, 73, 0.12) 0%, transparent 50%);
}
.hero .container { position: relative; z-index: 1; }
.hero.split .container { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 80px; align-items: center; }
.hero .eyebrow {
  display: inline-block; color: var(--gold-400); font-size: 13px; font-weight: 500;
  letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 20px;
}
.hero h1 { font-size: clamp(2.5rem, 4.5vw, 4rem); line-height: 1.05; margin-bottom: 24px; }
.hero h1 em { font-style: italic; color: var(--gold-400); font-weight: 400; }
.hero p.lead { font-size: 18px; color: rgba(255,255,255,0.78); max-width: 620px; margin-bottom: 40px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* Compact hero for inner pages */
.hero.compact { padding: 80px 0 80px; }
.hero.compact .container { display: block; max-width: 800px; text-align: left; }
.hero.compact h1 { font-size: clamp(2rem, 4vw, 3.25rem); }
.hero.compact p.lead { margin-bottom: 0; }

/* ===== LOAN CALCULATOR CARD ===== */
.loan-card {
  background: white; color: var(--ink);
  border-radius: 8px; padding: 36px;
  box-shadow: 0 25px 60px -20px rgba(0,0,0,0.4);
}
.loan-card h3 { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; margin-bottom: 6px; }
.loan-card .sub { font-size: 14px; color: var(--ink-muted); margin-bottom: 28px; }
.slider-row { margin-bottom: 24px; }
.slider-row label {
  display: flex; justify-content: space-between;
  font-size: 13px; color: var(--ink-muted);
  margin-bottom: 10px; font-weight: 500;
}
.slider-row .amount { font-family: 'Fraunces', serif; font-size: 28px; font-weight: 600; color: var(--navy-900); }
input[type=range] {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 4px; background: var(--hairline); border-radius: 2px; outline: none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; background: var(--gold-500); border-radius: 50%;
  cursor: pointer; border: 3px solid white; box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
input[type=range]::-moz-range-thumb {
  width: 22px; height: 22px; background: var(--gold-500); border-radius: 50%;
  cursor: pointer; border: 3px solid white; box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
.estimated {
  border-top: 1px solid var(--hairline); padding-top: 20px; margin-top: 8px;
  display: flex; justify-content: space-between; align-items: baseline;
}
.estimated .label { font-size: 13px; color: var(--ink-muted); }
.estimated .value { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 600; }
.loan-card .btn-primary { width: 100%; text-align: center; margin-top: 24px; padding: 16px; }
.disclaimer { font-size: 11px; color: var(--ink-muted); text-align: center; margin-top: 12px; }

/* ===== TRUST BAR ===== */
.trust-bar { background: var(--navy-50); padding: 32px 0; border-bottom: 1px solid var(--hairline); }
.trust-bar .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; text-align: center; }
.trust-stat .num { font-family: 'Fraunces', serif; font-size: 32px; font-weight: 600; color: var(--navy-900); }
.trust-stat .lbl { font-size: 13px; color: var(--ink-muted); margin-top: 4px; }

/* ===== SECTIONS ===== */
section { padding: 100px 0; }
section.compact { padding: 70px 0; }
.section-eyebrow {
  color: var(--gold-500); font-size: 13px; font-weight: 600;
  letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 16px;
  display: block;
}
.section-title { font-size: clamp(2rem, 3.5vw, 3rem); line-height: 1.1; margin-bottom: 24px; max-width: 700px; }
.section-lead { font-size: 17px; color: var(--ink-muted); max-width: 620px; margin-bottom: 60px; }

/* ===== STEPS ===== */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step {
  background: white; padding: 36px 32px;
  border: 1px solid var(--hairline); border-radius: 8px;
  transition: all .3s;
}
.step:hover { border-color: var(--gold-400); transform: translateY(-4px); }
.step .num {
  font-family: 'Fraunces', serif; font-size: 14px; font-weight: 600;
  color: var(--gold-500); margin-bottom: 24px; letter-spacing: 0.1em;
}
.step h3 { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; margin-bottom: 12px; }
.step p { color: var(--ink-muted); font-size: 15px; }

/* ===== USE CASES ===== */
.use-cases-section { background: var(--navy-50); }
.use-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; margin-top: 48px; }
.use-card { background: white; border-radius: 8px; padding: 40px; display: flex; gap: 24px; align-items: flex-start; }
.use-icon {
  width: 56px; height: 56px; background: var(--gold-100); border-radius: 4px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.use-icon svg { width: 26px; height: 26px; color: var(--navy-800); }
.use-card h4 { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; margin-bottom: 8px; }
.use-card p { color: var(--ink-muted); font-size: 14px; }

/* ===== CTA SECTION ===== */
.cta-section { background: var(--navy-900); color: white; padding: 100px 0; }
.cta-section .container { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 60px; }
.cta-section h2 { color: white; font-size: clamp(2rem, 3.5vw, 2.75rem); margin-bottom: 20px; }
.cta-section p { color: rgba(255,255,255,0.7); margin-bottom: 32px; font-size: 17px; }
.cta-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* ===== FOOTER ===== */
footer { background: #050d1a; color: rgba(255,255,255,0.7); padding: 64px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
footer h5 { color: white; font-size: 14px; margin-bottom: 18px; font-weight: 600; }
footer ul { list-style: none; }
footer li { margin-bottom: 10px; }
footer a { color: rgba(255,255,255,0.7); text-decoration: none; font-size: 14px; }
footer a:hover { color: var(--gold-400); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; font-size: 13px; }
.footer-bottom small { display: block; color: rgba(255,255,255,0.5); margin-top: 8px; line-height: 1.6; max-width: 100%; }

/* ===== CONTENT PAGES (text-heavy pages: about, privacy, terms, disclaimer) ===== */
.content-section { padding: 80px 0; }
.content-section .container { max-width: 820px; }
.content-section h2 {
  font-family: 'Fraunces', serif; font-weight: 500;
  font-size: 1.8rem; line-height: 1.2;
  margin: 48px 0 16px; color: var(--navy-900);
}
.content-section h2:first-child { margin-top: 0; }
.content-section h3 {
  font-family: 'Fraunces', serif; font-weight: 500;
  font-size: 1.3rem; margin: 32px 0 12px;
  color: var(--navy-800);
}
.content-section p { font-size: 16px; color: var(--ink); margin-bottom: 16px; }
.content-section ul { margin: 16px 0 24px 24px; }
.content-section li { font-size: 16px; margin-bottom: 8px; }
.content-section .last-updated { font-size: 13px; color: var(--ink-muted); margin-bottom: 32px; font-style: italic; }

/* ===== FAQ ===== */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--hairline);
  border-radius: 8px;
  margin-bottom: 12px;
  background: white;
  overflow: hidden;
  transition: border-color .2s;
}
.faq-item[open] { border-color: var(--gold-400); }
.faq-item summary {
  padding: 20px 24px;
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 500;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  color: var(--navy-900);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 28px;
  font-weight: 300;
  color: var(--gold-500);
  transition: transform .2s;
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: '−'; }
.faq-item .answer { padding: 0 24px 24px; color: var(--ink-muted); font-size: 15px; }
.faq-item .answer p { margin-bottom: 12px; }
.faq-item .answer p:last-child { margin-bottom: 0; }

/* ===== FORM EMBED CARDS ===== */
.form-card {
  background: white;
  border: 1px solid var(--hairline);
  border-radius: 12px;
  padding: 40px;
  box-shadow: 0 4px 24px rgba(10, 22, 40, 0.06);
}
.form-card h2 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 1.7rem;
  margin-bottom: 8px;
  color: var(--navy-900);
}
.form-card .form-sub { color: var(--ink-muted); margin-bottom: 28px; font-size: 15px; }

.ghl-embed-slot {
  min-height: 580px;
  background: var(--navy-50);
  border: 2px dashed var(--hairline-strong);
  border-radius: 8px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 40px;
  text-align: center;
  color: var(--ink-muted);
}
.ghl-embed-slot .placeholder-title {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 500;
  color: var(--navy-800);
  margin-bottom: 8px;
}
.ghl-embed-slot code {
  background: white;
  border: 1px solid var(--hairline);
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 13px;
  font-family: 'Courier New', monospace;
  color: var(--navy-700);
}
.ghl-embed-slot .placeholder-help {
  font-size: 13px;
  margin-top: 16px;
  max-width: 480px;
  line-height: 1.6;
}

/* ===== CONTACT GRID ===== */
.contact-grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 48px; align-items: start; }
.contact-card {
  background: var(--navy-50);
  border-radius: 12px;
  padding: 32px;
  margin-bottom: 16px;
}
.contact-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 1.2rem;
  font-weight: 500;
  margin-bottom: 8px;
  color: var(--navy-900);
}
.contact-card p { color: var(--ink-muted); font-size: 14px; margin-bottom: 16px; }
.contact-card a {
  display: inline-block;
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--navy-900);
  text-decoration: none;
}
.contact-card a:hover { color: var(--gold-500); }

/* ===== CALCULATOR PAGE ===== */
.calc-page-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.calc-results {
  background: white;
  border-radius: 12px;
  padding: 32px;
  border: 1px solid var(--hairline);
}
.calc-results h3 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  margin-bottom: 24px;
  color: var(--navy-900);
}
.calc-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 16px 0;
  border-bottom: 1px solid var(--hairline);
}
.calc-row:last-child { border-bottom: none; }
.calc-row .lbl { font-size: 14px; color: var(--ink-muted); }
.calc-row .val {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--navy-900);
}
.calc-row.highlight { background: var(--gold-100); margin: 16px -32px 0; padding: 20px 32px; border-radius: 0 0 12px 12px; }
.calc-row.highlight .val { font-size: 28px; }

.calc-input-group { margin-bottom: 24px; }
.calc-input-group label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-muted);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.calc-input-group input[type=number],
.calc-input-group input[type=text] {
  width: 100%;
  padding: 14px 16px;
  font-size: 16px;
  border: 1px solid var(--hairline-strong);
  border-radius: 6px;
  background: white;
  font-family: inherit;
  color: var(--ink);
}
.calc-input-group input:focus { outline: none; border-color: var(--gold-500); }

/* ===== KNOWLEDGE / SUPPORT CARDS (about/home) ===== */
.knowledge-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 56px; }
.knowledge-card {
  text-align: left;
}
.knowledge-card .icon {
  width: 64px; height: 64px;
  background: var(--navy-50);
  border: 1px solid var(--hairline);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.knowledge-card .icon svg { width: 28px; height: 28px; color: var(--gold-500); }
.knowledge-card h4 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  margin-bottom: 12px;
  color: var(--navy-900);
}
.knowledge-card p { color: var(--ink-muted); font-size: 15px; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .hero.split .container,
  .cta-section .container,
  .contact-grid,
  .calc-page-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .steps, .use-grid, .knowledge-grid { grid-template-columns: 1fr; }
  .trust-bar .container { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .nav-links.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: white;
    flex-direction: column;
    padding: 16px 24px;
    border-bottom: 1px solid var(--hairline);
    box-shadow: 0 4px 12px rgba(0,0,0,0.05);
  }
  .nav-links.open li { width: 100%; }
  .menu-toggle { display: block; }
  nav.main .btn-cta { display: none; }
  .hero { padding: 70px 0 90px; }
  section, section.compact { padding: 60px 0; }
  .form-card { padding: 24px; }
}

@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .topbar { font-size: 12px; }
  .topbar .container { justify-content: center; text-align: center; }
}