/* ══════════════════════════════════════
   bridge|loans — Shared Design System
   ══════════════════════════════════════ */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;600;700;800;900&family=Inter:wght@400;500;600&display=swap');

/* ── Tokens ── */
:root {
  --navy:     #0D1E3D;
  --navy-lt:  #152847;
  --gold:     #C8922A;
  --gold-lt:  #E8A832;
  --gold-pale:#FDF3E0;
  --slate:    #1E3054;
  --fog:      #F2F5FA;
  --ink:      #1A2640;
  --mist:     #DDE4EF;
  --dim:       #4E5E7A;   /* was #6B7A99 — darkened for WCAG AA contrast */
  --gold-text: #7D5914;   /* dark amber: 6.1:1 on white, use for text labels */
  --white:     #FFFFFF;
  --green:    #1A8754;
  --radius:   10px;
  --font-d:   'Plus Jakarta Sans', system-ui, sans-serif;
  --font-b:   'Inter', system-ui, sans-serif;
  --max-w:    1100px;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --fog:   #0A1525; --ink: #DDE5F0; --mist: #1E2F4A;
    --dim:   #8FA3C2; --white: #142035; --gold-text: #F0BA3E; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --fog:#0A1525; --ink:#DDE5F0; --mist:#1E2F4A;
  --dim:#8FA3C2; --white:#142035; --gold-text: #F0BA3E; color-scheme: dark;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body {
  background: var(--fog); color: var(--ink);
  font-family: var(--font-b); font-size: 15px; line-height: 1.65;
  padding-left:  max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
  padding-block: 0;
}
body::before {
  content: ""; position: fixed; inset: 0 0 auto;
  height: env(safe-area-inset-top, 0px);
  background: var(--navy); z-index: 101;
}
h1,h2,h3,h4 { font-family: var(--font-d); text-wrap: balance; }
a { color: var(--gold-text); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

/* ── Nav ── */
.site-nav {
  background: rgba(13,30,61,.97); backdrop-filter: blur(12px);
  position: sticky; top: env(safe-area-inset-top,0px);
  z-index: 100; box-shadow: 0 2px 20px rgba(0,0,0,.35);
}
.nav-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 0; gap: 12px; flex-wrap: wrap;
}
.logo {
  display: flex; align-items: center; gap: 8px;
  font-family: var(--font-d); font-weight: 900; font-size: 19px;
  letter-spacing: -.01em; text-decoration: none; line-height: 1;
}
.logo-k  { color: var(--gold-lt); }
.logo-sep{ color: rgba(255,255,255,.28); font-weight: 300; }
.logo-w  { color: #fff; }
.logo-badge {
  background: var(--gold); color: #fff;
  font-size: 9px; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; padding: 2px 7px; border-radius: 4px;
}
.nav-links { display: flex; align-items: center; gap: 4px; flex-wrap: wrap; }
.nav-links a {
  color: rgba(255,255,255,.78); font-size: 13.5px; font-weight: 500;
  padding: 6px 12px; border-radius: 6px; transition: background .15s, color .15s;
  text-decoration: none;
}
.nav-links a:hover, .nav-links a.active { background: rgba(255,255,255,.1); color: #fff; }
.nav-cta {
  background: var(--gold); color: #fff !important;
  font-weight: 700 !important; padding: 8px 20px !important;
  border-radius: 50px !important;
}
.nav-cta:hover { background: var(--gold-lt) !important; }

/* ── Page Hero (smaller than homepage) ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-lt) 60%, #1a3a6b 100%);
  padding: 52px 0 44px; text-align: center;
}
.page-hero-inner { max-width: var(--max-w); margin: 0 auto; }
.page-eyebrow {
  display: inline-block; background: rgba(200,146,42,.15);
  color: var(--gold-lt); border: 1px solid rgba(200,146,42,.3);
  font-size: 11px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; padding: 4px 14px; border-radius: 50px;
  margin-bottom: 14px;
}
.page-h1 {
  font-size: clamp(1.8rem,4vw,2.8rem); font-weight: 800;
  color: #fff; line-height: 1.2; margin-bottom: 14px;
}
.page-h1 span { color: var(--gold-lt); }
.page-sub { font-size: 1.05rem; color: rgba(255,255,255,.72); max-width: 580px; margin: 0 auto; }

/* ── Breadcrumb ── */
.breadcrumb {
  max-width: var(--max-w); margin: 0 auto; padding: 10px 0;
  font-size: 12.5px; color: rgba(255,255,255,.5); display: flex; gap: 6px; align-items: center;
}
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; }
.breadcrumb a:hover { color: var(--gold-lt); }
.breadcrumb-sep { opacity: .4; }

/* ── Page Content Wrapper ── */
.page-content { max-width: var(--max-w); margin: 0 auto; padding: 52px 0 72px; }
.content-grid { display: grid; grid-template-columns: 1fr 340px; gap: 40px; }
.sidebar { display: flex; flex-direction: column; gap: 20px; }

/* ── Section titles ── */
.section-tag {
  display: inline-block; font-size: 11px; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase; color: var(--gold-text);
  margin-bottom: 8px;
}
.section-h2 {
  font-size: clamp(1.4rem,3vw,1.9rem); font-weight: 800;
  color: var(--ink); margin-bottom: 14px;
}
.section-lead { font-size: 1.05rem; color: var(--dim); max-width: 620px; margin-bottom: 32px; }

/* ── Cards ── */
.card {
  background: var(--white); border: 1px solid var(--mist);
  border-radius: var(--radius); padding: 28px;
  box-shadow: 0 2px 12px rgba(13,30,61,.07);
}
.card-title { font-size: 1.05rem; font-weight: 700; color: var(--ink); margin-bottom: 8px; }
.card-body  { font-size: .9rem; color: var(--dim); line-height: 1.7; }

/* ── CTA sidebar card ── */
.cta-card { background: var(--navy); border-radius: var(--radius); padding: 28px; text-align: center; }
.cta-card h3 { color: #fff; font-size: 1.15rem; margin-bottom: 8px; }
.cta-card p  { color: rgba(255,255,255,.65); font-size: .88rem; margin-bottom: 20px; }
.btn-gold {
  display: inline-block; background: var(--gold); color: #fff;
  font-family: var(--font-d); font-weight: 700; font-size: .95rem;
  padding: 13px 32px; border-radius: 50px; text-decoration: none;
  transition: background .15s, box-shadow .15s; width: 100%; text-align: center;
  box-shadow: 0 4px 16px rgba(200,146,42,.4);
}
.btn-gold:hover { background: var(--gold-lt); text-decoration: none; }
.btn-outline {
  display: inline-block; border: 2px solid var(--gold); color: var(--gold-text);
  font-family: var(--font-d); font-weight: 700; font-size: .95rem;
  padding: 11px 32px; border-radius: 50px; text-decoration: none;
  transition: background .15s, color .15s;
}
.btn-outline:hover { background: var(--gold); color: #fff; text-decoration: none; }

/* ── Info list ── */
.info-list { list-style: none; display: flex; flex-direction: column; gap: 12px; margin: 24px 0; }
.info-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .93rem; color: var(--ink);
}
.info-list li::before {
  content: "✓"; flex-shrink: 0; width: 20px; height: 20px;
  background: var(--green); color: #fff; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; margin-top: 2px;
}

/* ── Step list ── */
.step-list { display: flex; flex-direction: column; gap: 28px; margin: 32px 0; }
.step-item { display: flex; gap: 20px; }
.step-num {
  flex-shrink: 0; width: 44px; height: 44px; border-radius: 50%;
  background: var(--gold); color: #fff;
  font-family: var(--font-d); font-weight: 800; font-size: 1.1rem;
  display: flex; align-items: center; justify-content: center;
}
.step-body h3 { font-size: 1rem; font-weight: 700; color: var(--ink); margin-bottom: 4px; }
.step-body p  { font-size: .9rem; color: var(--dim); }

/* ── Table ── */
.data-table { width: 100%; border-collapse: collapse; font-size: .88rem; margin: 20px 0; }
.data-table th {
  background: var(--navy); color: #fff; font-family: var(--font-d);
  font-size: .78rem; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; padding: 10px 14px; text-align: left;
}
.data-table td { padding: 10px 14px; border-bottom: 1px solid var(--mist); color: var(--ink); }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--fog); }
.highlight-row td { background: var(--gold-pale) !important; font-weight: 600; }
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--mist); }

/* ── FAQ accordion ── */
details.faq { border-bottom: 1px solid var(--mist); }
details.faq summary {
  list-style: none; cursor: pointer;
  padding: 16px 0; font-weight: 600; font-size: .95rem;
  color: var(--ink); display: flex; justify-content: space-between;
  align-items: center; gap: 12px;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after {
  content: "+"; flex-shrink: 0; width: 24px; height: 24px;
  background: var(--fog); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--gold-text); font-weight: 400;
  transition: transform .2s;
}
details[open].faq summary::after { content: "−"; }
details.faq .faq-answer { padding: 0 0 16px; font-size: .9rem; color: var(--dim); line-height: 1.75; }

/* ── Trust badges ── */
.trust-bar { background: var(--navy); padding: 18px 0; }
.trust-bar-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: flex; flex-wrap: wrap; gap: 8px 24px;
  align-items: center; justify-content: center;
}
.trust-pill {
  display: flex; align-items: center; gap: 7px;
  font-size: .78rem; font-weight: 600; letter-spacing: .03em;
  color: rgba(255,255,255,.82); padding: 5px 14px;
  border: 1px solid rgba(255,255,255,.15); border-radius: 50px;
}
.trust-pill-icon { font-size: .95rem; }

/* ── Grid layouts ── */
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin: 32px 0; }
.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; margin: 32px 0; }

/* ── Team card ── */
.team-card { background: var(--white); border: 1px solid var(--mist); border-radius: var(--radius); overflow: hidden; }
.team-avatar {
  width: 100%; aspect-ratio: 1; background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-d); font-size: 2.5rem; font-weight: 800; color: var(--gold-lt);
}
.team-info { padding: 20px; }
.team-name { font-size: 1rem; font-weight: 700; color: var(--ink); margin-bottom: 3px; }
.team-role { font-size: .82rem; color: var(--gold-text); font-weight: 600; margin-bottom: 8px; }
.team-bio  { font-size: .85rem; color: var(--dim); line-height: 1.65; }

/* ── Stats bar ── */
.stats-row {
  display: flex; flex-wrap: wrap; gap: 0;
  background: var(--navy-lt); border-radius: var(--radius);
  overflow: hidden; margin: 32px 0;
}
.stat-item { flex: 1 1 150px; padding: 28px 24px; text-align: center; border-right: 1px solid rgba(255,255,255,.08); }
.stat-item:last-child { border-right: none; }
.stat-val { font-family: var(--font-d); font-size: 2rem; font-weight: 800; color: var(--gold-lt); line-height: 1; margin-bottom: 6px; }
.stat-lbl { font-size: .8rem; color: rgba(255,255,255,.6); font-weight: 500; }

/* ── Contact form ── */
.contact-form { display: flex; flex-direction: column; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { display: flex; flex-direction: column; gap: 5px; }
.form-label { font-size: .82rem; font-weight: 600; color: var(--ink); }
.form-input, .form-select, .form-textarea {
  padding: 10px 14px; border: 1.5px solid var(--mist);
  border-radius: 7px; font-size: .9rem; font-family: var(--font-b);
  background: var(--white); color: var(--ink);
  transition: border-color .15s;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none; border-color: var(--gold);
}
.form-textarea { resize: vertical; min-height: 120px; }

/* ── Footer ── */
.site-footer { background: var(--navy); padding: 52px 0 24px; }
.footer-inner { max-width: var(--max-w); margin: 0 auto; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 40px;
}
.footer-brand-name {
  font-family: var(--font-d); font-weight: 900; font-size: 18px; margin-bottom: 10px;
}
.footer-brand-name .k { color: var(--gold-lt); }
.footer-brand-name .sep { color: rgba(255,255,255,.3); font-weight: 300; }
.footer-brand-name .w { color: #fff; }
.footer-tagline { font-size: .85rem; color: rgba(255,255,255,.5); margin-bottom: 16px; line-height: 1.6; }
.footer-col-title { font-family: var(--font-d); font-size: .78rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.4); margin-bottom: 14px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a { color: rgba(255,255,255,.65); font-size: .88rem; text-decoration: none; }
.footer-links a:hover { color: var(--gold-lt); }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,.1); margin: 0 0 20px; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 8px 20px; justify-content: space-between; align-items: flex-start; }
.footer-copy { font-size: .78rem; color: rgba(255,255,255,.4); }
.footer-legal-nav { display: flex; flex-wrap: wrap; gap: 4px 12px; }
.footer-legal-nav a { font-size: .78rem; color: rgba(255,255,255,.4); text-decoration: none; }
.footer-legal-nav a:hover { color: rgba(255,255,255,.7); }
.footer-disclaimer { font-size: .72rem; color: rgba(255,255,255,.3); line-height: 1.6; margin-top: 14px; }

/* ── Legal pages ── */
.legal-content { max-width: 780px; }
.legal-content h2 { font-size: 1.2rem; font-weight: 700; color: var(--ink); margin: 32px 0 10px; }
.legal-content h3 { font-size: 1rem; font-weight: 700; color: var(--ink); margin: 22px 0 8px; }
.legal-content p  { font-size: .9rem; color: var(--dim); line-height: 1.8; margin-bottom: 14px; }
.legal-content ul { margin: 10px 0 14px 20px; }
.legal-content ul li { font-size: .9rem; color: var(--dim); line-height: 1.7; margin-bottom: 6px; }
.legal-updated { font-size: .82rem; color: var(--dim); margin-bottom: 28px; }

/* ── State grid ── */
.state-grid { display: grid; grid-template-columns: repeat(auto-fill,minmax(140px,1fr)); gap: 8px; margin: 24px 0; }
.state-chip {
  background: var(--white); border: 1px solid var(--mist);
  border-radius: 7px; padding: 9px 12px;
  font-size: .82rem; font-weight: 600; color: var(--ink);
  display: flex; align-items: center; gap: 7px;
}
.state-chip::before { content: "✓"; color: var(--green); font-weight: 700; }

/* ── Blog cards ── */
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin: 32px 0; }
.blog-card { background: var(--white); border: 1px solid var(--mist); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; }
.blog-tag { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-text); margin-bottom: 8px; }
.blog-card-body { padding: 20px; flex: 1; display: flex; flex-direction: column; }
.blog-title { font-size: .98rem; font-weight: 700; color: var(--ink); margin-bottom: 8px; line-height: 1.4; }
.blog-excerpt { font-size: .85rem; color: var(--dim); flex: 1; line-height: 1.65; margin-bottom: 14px; }
.blog-meta { font-size: .78rem; color: var(--dim); display: flex; gap: 8px; align-items: center; }

/* ── Logo B: Arch Gate ────────────────────── */
.logo-b-mark {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 5px;
  text-decoration: none;
  color: rgba(255,255,255,.9);
  line-height: 1;
}
.logo-b-mark:hover { text-decoration: none; }
.logo-b-arch { display: block; flex-shrink: 0; }
.logo-b-words {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
}
.lb-bridge {
  font-family: var(--font-d);
  font-weight: 800;
  font-size: .74rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: #fff;
  line-height: 1;
}
.lb-rule {
  height: 1.5px;
  background: var(--gold);
  border-radius: 2px;
  align-self: stretch;
  min-width: 48px;
}
.lb-loans {
  font-family: var(--font-d);
  font-weight: 500;
  font-size: .48rem;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--gold-lt);   /* on dark navy bg: gold-lt has better contrast than gold */
  line-height: 1;
}
/* Footer version — left-aligned */
.site-footer .logo-b-mark {
  align-items: flex-start;
  margin-bottom: 12px;
}
.site-footer .logo-b-words { align-items: flex-start; }
.site-footer .lb-bridge { font-size: .78rem; }

/* ── Responsive ── */
@media (max-width: 900px) {
  .content-grid { grid-template-columns: 1fr; }
  .sidebar { order: -1; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .stats-row { flex-direction: column; }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,.08); }
}