/* ============================================================
   I AM LENDER — shared styles (Kiavi-inspired redesign)
   ALL colors come from /assets/theme.css (single source).
   This file must contain NO color literals — var(--...) only.
   Fonts are self-hosted from /fonts/ (see fonts.css).
   ============================================================ */

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  background:var(--bg);color:var(--text);
  font-family:'Archivo',system-ui,-apple-system,sans-serif;
  font-size:17px;line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.mono{font-family:'IBM Plex Mono',monospace}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}

/* ---- Type ----
   Headings: Archivo, normal case, tight tracking (Kiavi voice).
   IBM Plex Mono is reserved for labels, numbers, and mono-tags. */
h1,h2{
  font-family:'Archivo',system-ui,sans-serif;
  font-weight:800;text-transform:none;letter-spacing:-.02em;
  line-height:1.08;color:var(--text);
}
h1{font-size:clamp(38px,5.2vw,58px)}
h2{font-size:clamp(29px,3.8vw,44px)}
h3{font-weight:700;letter-spacing:-.015em;line-height:1.2;font-size:21px}
.eyebrow{
  font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.22em;
  text-transform:uppercase;color:var(--accent-text);display:block;margin-bottom:16px;
}
.lead{font-size:clamp(17px,2vw,19.5px);color:var(--muted);max-width:58ch}
.lead strong{color:var(--text)}
.inline-link{color:var(--accent-text);font-weight:700}
.inline-link:hover{text-decoration:underline;text-underline-offset:4px}
.gold-display{color:var(--accent-display)}

/* ---- Nav: white sticky bar, thin bottom border ---- */
.nav{
  position:sticky;top:0;z-index:50;
  background:var(--bg);
  border-bottom:1px solid var(--line);
}
@supports (backdrop-filter:blur(10px)){
  .nav{background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(10px)}
}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:76px;gap:24px}
.brand{
  display:flex;align-items:center;gap:12px;font-weight:800;
  letter-spacing:.02em;font-size:17px;
}
.brand .wordmark{
  font-family:'Archivo',system-ui,sans-serif;font-weight:900;text-transform:uppercase;
  letter-spacing:.05em;font-size:23px;line-height:1;
}
.nav-links{display:flex;align-items:center;gap:34px;font-size:15px;font-weight:600}
.nav-links a{color:var(--muted);transition:color .2s}
.nav-links a:hover{color:var(--text)}
.nav-links a.on{color:var(--accent-text)}
.menu-btn{
  display:none;background:transparent;border:1px solid var(--line-strong);color:var(--text);
  border-radius:999px;padding:9px 18px;font-size:14px;font-weight:600;cursor:pointer;
}

/* Nav dropdown: Loan Programs (native details = no JS for open/close) */
.nav-drop{position:relative}
.nav-drop summary{
  display:flex;align-items:center;gap:7px;cursor:pointer;color:var(--muted);
  list-style:none;transition:color .2s;
}
.nav-drop summary::-webkit-details-marker{display:none}
.nav-drop summary::marker{content:none}
.nav-drop summary:hover,.nav-drop[open]>summary{color:var(--text)}
.nav-drop summary::after{
  content:"";width:7px;height:7px;flex:none;
  border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;
  transform:rotate(45deg);transition:transform .2s;
}
.nav-drop[open]>summary::after{transform:rotate(225deg)}
.nav-drop-panel{
  position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);
  min-width:220px;display:flex;flex-direction:column;gap:2px;
  background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:8px;
  box-shadow:0 14px 34px color-mix(in srgb,var(--text) 14%,transparent);
  z-index:60;
}
.nav-drop-panel a{padding:10px 14px;border-radius:8px;white-space:nowrap}
.nav-drop-panel a:hover{background:var(--fill-soft)}

/* Hash-jump targets (nav dropdown links) land clear of the sticky nav */
#fix-and-flip,#bridge,#rental-dscr,#new-construction{scroll-margin-top:90px}

/* ---- Buttons: gold pills ---- */
.btn{
  display:inline-block;background:var(--accent-fill);color:var(--btn-ink);
  font-weight:700;font-size:15px;padding:13px 28px;border-radius:999px;
  border:1px solid var(--accent-fill);cursor:pointer;
  transition:transform .15s,background .2s,border-color .2s,color .2s;
}
.btn:hover{background:var(--accent-hover);border-color:var(--accent-hover);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--accent-text);border:1px solid var(--accent-fill)}
.btn-ghost:hover{background:var(--accent-soft);border-color:var(--accent-hover);color:var(--accent-text);transform:none}
.nav-links a.btn{color:var(--btn-ink)}
.nav-links a.btn:hover{color:var(--btn-ink)}
.btn:focus-visible,a:focus-visible,summary:focus-visible{outline:2px solid var(--accent-fill);outline-offset:3px}

/* Quiet secondary link (hero) */
.link-quiet{
  display:inline-flex;align-items:center;gap:8px;
  font-weight:700;font-size:15.5px;color:var(--accent-text);
  padding:12px 4px;
}
.link-quiet .arr{font-family:'IBM Plex Mono',monospace;transition:transform .15s}
.link-quiet:hover{color:var(--accent-text);text-decoration:underline;text-underline-offset:5px}
.link-quiet:hover .arr{transform:translateX(3px)}

/* ---- Hero: light band, text left, photo card right ---- */
.hero{
  background:var(--surface);
  border-bottom:1px solid var(--line);
  padding:92px 0 88px;
}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:center}
.hero h1{margin-bottom:0}
.hero h1 em{font-style:normal;color:var(--accent-display)}
.hero .lead{margin:24px 0 36px}
.hero-ctas{display:flex;gap:20px;flex-wrap:wrap;align-items:center}

/* Photo cards */
.photo-card{
  border-radius:14px;overflow:hidden;
  border:1px solid var(--line);background:var(--fill-soft);
  box-shadow:0 2px 6px var(--shadow-color),0 24px 48px var(--shadow-color);
}
.photo-card img{width:100%;height:auto;background:var(--fill-soft)}

/* ---- Stats band: dark full-width strip, gold numbers ---- */
.stats-band{background:var(--band);padding:60px 0}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.stat b{
  display:block;font-family:'IBM Plex Mono',monospace;
  font-size:clamp(30px,3.4vw,44px);font-weight:700;color:var(--on-band-accent);
  line-height:1.1;margin-bottom:8px;
}
.stat span{
  font-size:12px;color:var(--band-text);letter-spacing:.14em;
  text-transform:uppercase;
}
@media (min-width:901px){
  .stat{padding:0 24px}
  .stat + .stat{border-left:1px solid color-mix(in srgb,var(--band-text) 14%,transparent)}
}

/* ---- Interior page hero: light band, left-aligned ---- */
.page-hero{
  background:var(--surface);
  border-bottom:1px solid var(--line);
  padding:80px 0 72px;
}
.page-hero .lead{margin-top:20px}
.page-hero .hero-ctas{margin-top:32px}
.page-hero h1 em{font-style:normal;color:var(--accent-display)}

/* ---- LP hero bold line (under the lead, above the CTAs) ---- */
.hero-bold{
  font-size:15.5px;font-weight:700;color:var(--text);
  margin:-14px 0 26px;
}

/* ---- 3-up icon stats (LP pattern) ---- */
.stats-3{grid-template-columns:repeat(3,1fr)}
.stat-ico{
  width:34px;height:34px;margin:0 auto 14px;color:var(--on-band-accent);
}

/* ---- Program blocks: photo left, numbered copy right ---- */
.grid-prog{align-items:center;gap:56px}
.prog-p{color:var(--muted);font-size:16.5px;max-width:52ch;margin-top:14px}

/* ---- Rates + Terms cards (LP pattern): dark band, eyebrow,
       6 tiles (2-col mobile / 3-col desktop), accent strip, CTA ---- */
.rates-band{background:var(--band);padding:56px 0 48px}
.rates-eyebrow{
  font-family:'IBM Plex Mono',monospace;font-size:15px;font-weight:600;
  letter-spacing:.24em;text-transform:uppercase;color:var(--on-band-accent);
  text-align:center;margin-bottom:36px;
}
.rates-tiles{
  display:grid;grid-template-columns:repeat(3,1fr);gap:32px 24px;
  max-width:960px;margin:0 auto;
}
.rtile{text-align:center;padding:0 8px}
.rt-label{
  display:block;font-size:14px;color:var(--band-muted);
  font-family:'IBM Plex Mono',monospace;letter-spacing:.04em;margin-bottom:6px;
}
.rt-val{
  display:block;font-size:clamp(24px,2.6vw,32px);font-weight:600;
  color:var(--band-text);line-height:1.15;
}
.rates-strip{
  background:var(--accent-fill);color:var(--btn-ink);
  font-weight:700;font-size:15px;text-align:center;
  padding:15px 20px;margin:44px 0 36px;
}
.rates-cta{text-align:center}
.rates-cta .btn{padding:14px 34px;font-size:16px}

/* Fine print directly under the rates cards: its own light band so it
   is not stranded between the dark card and the next section's border */
.fine-band{padding:26px 0 30px}
.rates-fine{
  font-size:12.5px;color:var(--muted);line-height:1.6;
  max-width:780px;margin:0 auto;text-align:center;
}

/* ---- "What is hard money" copy block ---- */
.edu{max-width:74ch}
.edu p{color:var(--muted);font-size:17px;margin-bottom:18px;max-width:70ch}
.edu p:last-child{margin-bottom:0}

/* ---- Benefit cards with icons ---- */
.b-ico{width:34px;height:34px;color:var(--accent-text);margin-bottom:14px}

/* ---- Sections: alternate white and light band ---- */
.section{padding:92px 0}
.section-alt{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{margin-bottom:48px;max-width:64ch}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}

/* Cards: rounded, thin border, soft shadow */
.card{
  background:var(--card);border:1px solid var(--line);border-radius:12px;
  padding:32px;transition:border-color .2s;
  box-shadow:0 1px 2px var(--shadow-color),0 12px 30px var(--shadow-color);
}
.card:hover{border-color:var(--accent-fill)}
.card h3{margin-bottom:12px}
.card p{color:var(--muted);font-size:15.5px}
.mono-tag{
  font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--accent-text);
  letter-spacing:.16em;text-transform:uppercase;display:block;margin-bottom:14px;
}
.spec{
  display:flex;justify-content:space-between;
  font-family:'IBM Plex Mono',monospace;font-size:14px;
  padding:9px 0;border-bottom:1px solid var(--line);
}
.spec:last-child{border-bottom:none}
.spec b{color:var(--accent-text);font-weight:600}
.card .btn{margin-top:22px}

/* ---- Steps ---- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
.step{
  position:relative;padding:32px 28px 28px;
  background:var(--card);border:1px solid var(--line);border-radius:12px;
  box-shadow:0 1px 2px var(--shadow-color);
}
.step::before{
  counter-increment:step;content:"0" counter(step);
  font-family:'IBM Plex Mono',monospace;font-size:14px;color:var(--accent-text);
  letter-spacing:.2em;display:block;margin-bottom:16px;
}
.step h3{font-size:19px;margin-bottom:10px}
.step p{color:var(--muted);font-size:15px}

/* ---- 14-day-close timeline ---- */
.tl{display:grid;gap:14px}
.tl-row{
  display:grid;grid-template-columns:150px 1fr 1fr 78px;gap:22px;
  padding:22px 24px;background:var(--card);border:1px solid var(--line);border-radius:12px;
  box-shadow:0 1px 2px var(--shadow-color);
}
.tl-day b{display:block;font-size:16px;margin-bottom:4px}
.tl-day span{color:var(--muted);font-size:13.5px;line-height:1.4}
.tl-side b{
  display:block;font-family:'IBM Plex Mono',monospace;font-size:11px;color:var(--accent-text);
  letter-spacing:.16em;text-transform:uppercase;margin-bottom:6px;
}
.tl-side p{color:var(--text);font-size:14px;line-height:1.55}
.tl-time{
  align-self:start;font-family:'IBM Plex Mono',monospace;font-size:13px;color:var(--accent-text);
  background:var(--fill-soft);border:1px solid var(--line-strong);border-radius:999px;
  padding:6px 14px;text-align:center;white-space:nowrap;
}
.tl-total{
  margin-top:26px;padding:18px 24px;border:1px solid var(--line);border-radius:12px;
  background:var(--surface);text-align:center;font-size:15px;
}
@media (max-width:900px){
  .tl-row{grid-template-columns:1fr;gap:12px;padding:18px}
  .tl-time{justify-self:start}
}

/* Why / CTA two-column layouts */
.grid-why{align-items:center;gap:56px}
.grid-cta{align-items:center;gap:56px}
.card-sm{padding:22px 24px;box-shadow:0 1px 2px var(--shadow-color)}
.card-sm p{font-size:14.5px}
.h-sm{font-size:17px}
.specs{margin-top:18px}

/* ---- Sample term sheet card ---- */
.termsheet{
  background:var(--card);border:1px solid var(--line);border-radius:12px;
  padding:32px;box-shadow:0 1px 2px var(--shadow-color),0 12px 30px var(--shadow-color);
}
.ts-row{
  display:flex;justify-content:space-between;align-items:baseline;
  padding:14px 0;border-bottom:1px solid var(--line);
}
.ts-row:last-of-type{border-bottom:none}
.ts-label{
  font-size:13px;color:var(--muted);letter-spacing:.04em;text-transform:uppercase;
  font-family:'IBM Plex Mono',monospace;
}
.ts-val{font-family:'IBM Plex Mono',monospace;font-weight:600;font-size:18px}
.ts-stamp{
  margin-top:20px;display:inline-block;border:2px solid var(--accent-fill);color:var(--accent-text);
  font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.24em;
  padding:7px 14px;transform:rotate(-3deg);border-radius:4px;
}

/* ---- CTA band ---- */
.cta-copy h2{margin-bottom:14px}
.cta-copy p{color:var(--muted);margin-bottom:30px;max-width:52ch}

/* Apply-page layouts: contact.html keeps the two-column split; the
   submit-for-terms page is single-column (9/3 meeting) with its info
   cards in an .apply-below grid under the form */
.grid-apply{gap:56px;align-items:start}
.apply-below{margin-top:56px}
.card-form{padding:40px}
.form-title{margin-bottom:8px}
.form-sub{color:var(--muted);font-size:14.5px;margin-bottom:24px}
.tel{font-size:24px}
.tel a{color:inherit}

/* ---- Forms ---- */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
.field label{
  font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);
}
.field input,.field select,.field textarea{
  background:var(--field-bg);border:1px solid var(--field-line);border-radius:8px;
  color:var(--text);padding:13px 14px;
  font-family:'Archivo',sans-serif;font-size:16px;
}
.field input::placeholder,.field textarea::placeholder{color:var(--icon-dim)}
.field textarea{resize:vertical;min-height:110px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:2px solid var(--accent-fill);outline-offset:1px;border-color:var(--accent-fill);
}
/* Honeypot: display:none keeps it out of Chrome's heuristic autofill DOM
   (an off-screen input was still autofillable — trapped a real human
   2026-09-04). Naive bots fill it regardless of CSS; Turnstile covers
   the smart ones. */
.hp{display:none}

/* SMS consent (checkbox + fine print, sits under the form grid) */
.consent{display:flex;gap:10px;align-items:flex-start;margin-top:18px}
.consent input[type="checkbox"]{
  width:18px;height:18px;flex:none;margin-top:2px;accent-color:var(--accent-fill);cursor:pointer;
}
.consent label{
  font-size:12.5px;line-height:1.55;color:var(--muted);cursor:pointer;
}

/* ---- Contact-form submit status (mirrors .di-alert / .di-turnstile) ---- */
.form-turnstile{margin:4px 0 8px;min-height:0}
.form-turnstile.on{min-height:65px}
.form-alert{
  display:none;background:var(--bad-soft);border:1.5px solid var(--bad);
  border-radius:8px;padding:12px 16px;font-size:14px;color:var(--bad);
  line-height:1.55;margin-top:16px;
}
.form-alert.on{display:block}
.form-alert a{color:var(--accent-text);font-weight:700}
.card-form .btn[disabled]{opacity:.55;cursor:wait;transform:none}

/* ---- Footer: dark band ---- */
footer{background:var(--band);padding:72px 0 36px}
.foot-legal{display:flex;gap:22px;margin-bottom:14px}
.foot-legal a{color:var(--band-muted);font-size:14px;font-weight:600;transition:color .2s}
.foot-legal a:hover{color:var(--band-text)}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:44px}
.foot-grid h4{
  font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--on-band-accent);
  margin-bottom:16px;font-family:'IBM Plex Mono',monospace;
}
.foot-grid a{display:block;color:var(--band-muted);font-size:15px;padding:5px 0;transition:color .2s}
.foot-grid a:hover{color:var(--band-text)}
.foot-brand .brand{margin-bottom:16px;display:inline-block}
.foot-brand .brand .wordmark{color:var(--band-text)}
.foot-brand .brand .wordmark .gold-display{color:var(--on-band-accent)}
.foot-brand .tagline{
  display:block;border-top:1px solid color-mix(in srgb,var(--band-muted) 40%,transparent);
  margin-top:8px;padding-top:8px;
  font-family:'IBM Plex Mono',monospace;font-size:10px;letter-spacing:.5em;
  color:var(--band-muted);text-transform:uppercase;
}
.foot-brand p{color:var(--band-muted);font-size:15px;max-width:38ch;margin-top:14px}
.foot-note{
  border-top:1px solid color-mix(in srgb,var(--band-muted) 30%,transparent);
  padding-top:24px;font-size:12.5px;color:var(--band-muted);line-height:1.7;
}

/* ---- Mobile call bar ---- */
.mbar{display:none}
@media (max-width:900px){
  body{padding-bottom:64px}
  .mbar{
    display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;height:60px;
    background:var(--bg);border-top:1px solid var(--line);
  }
  @supports (backdrop-filter:blur(10px)){
    .mbar{background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(10px)}
  }
  .mbar a{flex:1;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px}
  .mbar a.call{color:var(--accent-text)}
  .mbar a.cta{background:var(--accent-fill);color:var(--btn-ink)}
}

/* ---- Reveal on scroll ---- */
.rv{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .rv{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  .card:hover,.btn:hover,.link-quiet:hover .arr{transform:none}
}

/* ---- Legal pages (privacy policy / terms of service) ---- */
.legal{max-width:900px}
.legal-meta{
  font-family:'IBM Plex Mono',monospace;font-size:12.5px;letter-spacing:.08em;
  text-transform:uppercase;color:var(--muted);margin-bottom:30px;
}
.legal-toc{
  background:var(--surface);border:1px solid var(--line);border-radius:12px;
  padding:24px 28px;margin-bottom:52px;
}
.legal-toc ol{
  list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:8px 36px;
  counter-reset:toc;
}
.legal-toc li{counter-increment:toc}
.legal-toc li::before{
  content:counter(toc,decimal-leading-zero) "  ";
  font-family:'IBM Plex Mono',monospace;font-size:13px;color:var(--muted);margin-right:6px;
}
.legal-toc a{color:var(--text);font-size:15.5px;font-weight:600}
.legal-toc a:hover{color:var(--accent-text)}
.legal-body h2{
  font-size:clamp(23px,2.6vw,28px);letter-spacing:-.015em;line-height:1.2;
  margin:52px 0 16px;scroll-margin-top:90px;
}
.legal-body h2:first-child{margin-top:0}
.legal-body p{margin:14px 0;max-width:78ch}
.legal-body ul{margin:14px 0 14px 22px;list-style:disc;max-width:78ch}
.legal-body li{margin:7px 0;padding-left:6px}
.legal-body a{color:var(--accent-text);font-weight:700}
.legal-body a:hover{text-decoration:underline;text-underline-offset:4px}
.legal-notice{
  background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--accent-fill);
  border-radius:10px;padding:20px 24px;margin:22px 0;
}
.legal-notice p{margin:8px 0}
.legal-notice .mono-tag{margin-bottom:8px}

/* ---- Responsive ---- */
@media (max-width:900px){
  .hero-grid,.grid-3,.grid-2,.steps,.form-grid{grid-template-columns:1fr}
  .hero{padding:64px 0 56px}
  .hero-grid{gap:44px}
  .stats{grid-template-columns:repeat(2,1fr);gap:32px 16px}
  .stats-3{grid-template-columns:repeat(3,1fr)}
  .rates-tiles{grid-template-columns:repeat(2,1fr);gap:28px 16px}
  .grid-prog{gap:36px}
  .rates-band{padding:44px 0 40px}
  .rates-strip{margin:36px 0 30px;font-size:13.5px;line-height:1.7}
  .foot-grid{grid-template-columns:1fr}
  .legal-toc ol{grid-template-columns:1fr}
  .nav-links{
    display:none;position:absolute;top:76px;left:0;right:0;
    background:var(--bg);border-bottom:1px solid var(--line);
    flex-direction:column;align-items:flex-start;padding:20px 24px;gap:18px;
  }
  .nav-links.open{display:flex}
  .menu-btn{display:block}
  /* Dropdown becomes a static indented list inside the mobile menu */
  .nav-drop{width:100%}
  .nav-drop-panel{
    position:static;transform:none;min-width:0;width:100%;margin-top:6px;
    border:none;box-shadow:none;border-radius:0;padding:0;
  }
  .nav-drop-panel a{padding:10px 0 10px 16px;border-radius:0;white-space:normal}
  .section{padding:64px 0}
  .cta-copy p{margin-bottom:24px}
}
@media (max-width:520px){
  .stats-3{grid-template-columns:1fr;gap:26px}
  .rates-tiles{grid-template-columns:repeat(2,1fr)}
  .hero-ctas .btn{width:100%;text-align:center}
  .hero .link-quiet{width:100%;justify-content:center}
}
@media print{.mbar{display:none!important}.nav{position:static}footer{background:transparent;color:var(--text)}}