/* ============================================================
   Tida — shared brand stylesheet  ·  "Daybreak" redesign
   Personal-loan comparison platform.  Tida means sun.
   Warm, trustworthy, premium. Built on the Tida Guidelines v1.0.
   ============================================================ */

/* ---------- tokens ---------- */
:root{
  /* Core palette */
  --gold:#FFB22C;
  --amber:#FF8A1E;
  --coral:#FF5E5B;
  --ember:#B23A1E;
  --ink:#241813;
  --cream:#FFF7EC;

  /* Warm ink ramp (surfaces) */
  --ink-950:#150c08;
  --ink-900:#1b100b;
  --ink-850:#22150f;
  --ink-800:#291a13;
  --ink-750:#33211a;
  --ink-700:#3d281f;

  /* Cream ramp (light surfaces) */
  --cream-0:#fffdf9;
  --cream-1:#fff7ec;
  --cream-2:#f7ead6;
  --cream-3:#efe0c8;

  --line-dark:rgba(255,236,209,.10);
  --line-dark-2:rgba(255,236,209,.16);
  --line-light:rgba(36,24,19,.12);
  --line-light-2:rgba(36,24,19,.18);

  /* Text */
  --on-ink:rgba(255,247,236,.94);
  --on-ink-2:rgba(255,247,236,.66);
  --on-ink-3:rgba(255,247,236,.46);
  --on-cream:#3a2519;
  --on-cream-2:#6b5140;
  --on-cream-3:rgba(58,37,25,.55);

  --good:#1f7a3d;

  /* Type */
  --display:'Quicksand',system-ui,sans-serif;
  --body:'Inter',system-ui,sans-serif;
  --mono:'DM Mono',ui-monospace,monospace;

  /* Warm-tinted elevation (never pure black) */
  --sh-1:0 1px 2px rgba(36,24,19,.06), 0 2px 5px rgba(36,24,19,.05);
  --sh-2:0 2px 6px rgba(36,24,19,.06), 0 10px 24px rgba(36,24,19,.09);
  --sh-3:0 6px 16px rgba(36,24,19,.08), 0 26px 60px rgba(36,24,19,.16);
  --sh-gold:0 10px 34px rgba(255,138,30,.30);
  --glow:0 0 60px rgba(255,170,60,.22);

  /* Brand gradient */
  --grad-sun:linear-gradient(118deg,var(--gold),var(--amber) 56%,var(--coral));

  /* Spacing rhythm */
  --space-section:clamp(72px,9vw,128px);
  --radius:20px;
  --maxw:1140px;

  /* z-scale */
  --z-nav:50; --z-dropdown:100; --z-modal:1000; --z-toast:1100;
}

/* ---------- reset / base ---------- */
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;
  font-family:var(--body);
  color:var(--on-ink);
  background:var(--ink-900);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  line-height:1.6;
}
a{color:inherit}
img{max-width:100%;display:block}
::selection{background:rgba(255,178,44,.28);color:var(--cream)}

/* ---------- layout primitives ---------- */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 clamp(20px,5vw,40px)}
section{padding:var(--space-section) 0;position:relative}
.band-cream{background:var(--cream-1);color:var(--on-cream)}
.band-cream .lead{color:var(--on-cream-2)}
.center{text-align:center}
.muted{color:var(--on-ink-2)}
.band-cream .muted{color:var(--on-cream-2)}

/* faint warm grain on dark sections for richness */
body::before{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;opacity:.5;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.035'/%3E%3C/svg%3E");
}

/* ---------- kicker (deliberate brand motif, not an AI eyebrow) ---------- */
.kicker{
  display:inline-flex;align-items:center;gap:9px;
  font-family:var(--display);font-weight:600;font-size:14px;letter-spacing:.01em;
  color:var(--amber);margin:0 0 16px;
}
.kicker::before{
  content:"";width:8px;height:8px;border-radius:50%;
  background:var(--gold);box-shadow:0 0 10px 1px rgba(255,178,44,.8);
}
.band-cream .kicker{color:var(--ember)}
.band-cream .kicker::before{background:var(--ember);box-shadow:0 0 9px 1px rgba(178,58,30,.5)}
.kicker.center{justify-content:center}
/* keep old .eyebrow markup working, restyled to the new motif */
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-family:var(--display);font-weight:600;font-size:14px;letter-spacing:.01em;text-transform:none;color:var(--amber);margin:0 0 16px}
.eyebrow::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 10px 1px rgba(255,178,44,.8)}
.band-cream .eyebrow{color:var(--ember)}
.band-cream .eyebrow::before{background:var(--ember);box-shadow:0 0 9px 1px rgba(178,58,30,.5)}
.eyebrow.center{justify-content:center}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--display);font-weight:600;margin:0;line-height:1.06;text-wrap:balance;letter-spacing:-.02em}
h1{font-size:clamp(40px,6.4vw,76px)}
h2{font-size:clamp(30px,4.4vw,50px)}
h3{font-size:clamp(19px,2.1vw,23px);letter-spacing:-.01em}
h4{font-size:16px;letter-spacing:0}
.lead{font-size:clamp(17px,1.6vw,21px);line-height:1.55;color:var(--on-ink-2);max-width:60ch;margin:18px 0 0;text-wrap:pretty}
.lead.center{margin-left:auto;margin-right:auto}
p{margin:0 0 16px;text-wrap:pretty}
.small{font-size:13.5px}
.sec__head{margin-bottom:6px}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:var(--z-nav);background:rgba(21,12,8,.66);backdrop-filter:blur(16px) saturate(1.2);-webkit-backdrop-filter:blur(16px) saturate(1.2);border-bottom:1px solid var(--line-dark)}
.nav__inner{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;gap:18px;padding:14px clamp(20px,5vw,40px)}
.nav__brand{display:flex;align-items:center;gap:11px;font-family:var(--display);font-weight:700;font-size:20px;letter-spacing:.2px;text-decoration:none;color:var(--cream)}
.nav__brand svg{width:28px;height:28px}
.nav__links{margin-left:auto;display:flex;gap:2px;align-items:center}
.nav__links a{font-size:14px;color:var(--on-ink-2);text-decoration:none;padding:9px 15px;border-radius:999px;transition:color .18s,background .18s}
.nav__links a:hover,.nav__links a:focus-visible{color:var(--cream);background:rgba(255,236,209,.07);outline:none}
.nav__links a.active{color:var(--gold)}
.nav__cta{font-family:var(--display);font-weight:600;color:#3a1d05 !important;background:var(--grad-sun);padding:10px 20px !important;box-shadow:var(--sh-gold)}
.nav__cta:hover{filter:brightness(1.06);transform:translateY(-1px)}
.nav__toggle{display:none;appearance:none;background:rgba(255,236,209,.06);border:1px solid var(--line-dark-2);color:var(--cream);width:42px;height:42px;border-radius:12px;cursor:pointer;padding:0;align-items:center;justify-content:center}
.nav__toggle svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round}
@media(max-width:800px){
  .nav__inner{position:relative}
  .nav__toggle{display:inline-flex;margin-left:auto}
  .nav__links{position:absolute;top:calc(100% + 1px);left:0;right:0;margin:0;flex-direction:column;align-items:stretch;gap:4px;padding:10px;
    background:#140a06;border-bottom:1px solid var(--line-dark-2);box-shadow:var(--sh-3);display:none}
  .nav--open .nav__links{display:flex}
  .nav__links a{display:block;font-size:15px;padding:13px 14px;border-radius:10px}
  .nav__links a:not(.nav__cta){color:var(--on-ink)}
  .nav__links a:not(.nav__cta):hover,.nav__links a.active{background:rgba(255,236,209,.07)}
  .nav__cta{text-align:center;box-shadow:none;margin-top:4px}
}

/* ---------- buttons ---------- */
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px;align-items:center}
.btn-row.center{justify-content:center}
.btn-row.start{justify-content:flex-start}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--display);font-weight:600;font-size:15.5px;border:0;border-radius:999px;padding:15px 30px;cursor:pointer;text-decoration:none;text-align:center;transition:transform .2s cubic-bezier(.22,1,.36,1),box-shadow .2s,filter .2s,border-color .2s}
.btn-primary{background:var(--grad-sun);color:#3a1d05;box-shadow:var(--sh-gold)}
.btn-primary:hover{transform:translateY(-2px);filter:brightness(1.05);box-shadow:0 14px 40px rgba(255,138,30,.42)}
.btn-primary:active{transform:translateY(0)}
.btn-ghost{background:rgba(255,236,209,.04);color:var(--on-ink);border:1px solid var(--line-dark-2)}
.btn-ghost:hover{border-color:rgba(255,178,44,.55);color:var(--gold);transform:translateY(-2px)}
.band-cream .btn-ghost{background:transparent;color:var(--on-cream);border-color:var(--line-light-2)}
.band-cream .btn-ghost:hover{border-color:var(--ember);color:var(--ember)}
.btn-block{display:flex;width:100%}
.btn .arr{transition:transform .2s}
.btn:hover .arr{transform:translateX(3px)}

/* ---------- HERO ---------- */
.hero{position:relative;overflow:hidden;padding:clamp(80px,12vw,140px) 0 clamp(64px,8vw,104px);text-align:center;
  background:
    radial-gradient(90% 64% at 50% -8%, rgba(255,190,80,.40), rgba(255,138,30,.11) 32%, transparent 58%),
    radial-gradient(70% 52% at 84% 2%, rgba(178,58,30,.30), transparent 54%),
    radial-gradient(60% 48% at 12% 6%, rgba(255,94,91,.15), transparent 58%),
    linear-gradient(180deg, var(--ink-950) 0%, var(--ink-900) 62%, var(--ink-900) 100%);
}
.hero .wrap{position:relative;z-index:1}

/* inner-page hero label (kept for about/contact/apply/calculator/legal pages) */
.pill{display:inline-flex;align-items:center;gap:9px;margin:0 0 22px;padding:8px 17px;border-radius:999px;background:rgba(255,236,209,.06);border:1px solid var(--line-dark-2);font-family:var(--display);font-weight:600;font-size:13px;letter-spacing:.02em;color:var(--gold)}
.pill::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold);box-shadow:0 0 9px 1px rgba(255,178,44,.8)}
.band-cream .pill{background:rgba(178,58,30,.07);border-color:rgba(178,58,30,.2);color:var(--ember)}
.band-cream .pill::before{background:var(--ember);box-shadow:0 0 8px 1px rgba(178,58,30,.5)}
.hero__sun{width:clamp(96px,13vw,140px);height:clamp(96px,13vw,140px);margin:0 auto clamp(22px,3vw,34px);display:flex !important;align-items:center;justify-content:center;filter:drop-shadow(0 0 34px rgba(255,150,40,.45))}
.hero h1{color:var(--cream);max-width:16ch;margin:0 auto}
.hero__sub{color:var(--on-ink-2);max-width:54ch;margin:22px auto 0;font-size:clamp(17px,1.7vw,20px);line-height:1.55}
.hero .btn-row{justify-content:center}

/* trust chip (replaces the plain pill) */
.trustchip{display:inline-flex;align-items:center;gap:10px;margin:0 0 26px;padding:8px 16px 8px 12px;border-radius:999px;background:rgba(255,236,209,.06);border:1px solid var(--line-dark-2);font-size:13.5px;color:var(--on-ink)}
.trustchip .stars{color:var(--gold);letter-spacing:1px;font-size:13px}
.trustchip b{color:var(--cream);font-weight:600}

/* hero trust row */
.hero__trust{list-style:none;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 26px;margin:30px 0 0;padding:0;font-size:14px;color:var(--on-ink-2)}
.hero__trust li{display:inline-flex;align-items:center;gap:9px}
.hero__trust svg{width:17px;height:17px;stroke:var(--gold);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}

/* slim credibility strip (not the banned hero-metric block) */
.credstrip{position:relative;z-index:1;margin-top:clamp(40px,5vw,64px);border-top:1px solid var(--line-dark);padding-top:26px;display:flex;flex-wrap:wrap;justify-content:center;gap:14px 40px;font-size:14px;color:var(--on-ink-2)}
.credstrip b{font-family:var(--display);color:var(--gold);font-weight:700}
.hero--compact{padding:clamp(64px,8vw,96px) 0 clamp(48px,6vw,72px)}

@keyframes glow{0%,100%{opacity:.6}50%{opacity:1}}
.glowpulse{animation:glow 6s ease-in-out infinite}

/* page-load reveal (content visible by default; enhanced if JS adds .reveal-ready) */
.reveal-ready .reveal{opacity:0;transform:translateY(22px);filter:blur(6px);transition:opacity .72s cubic-bezier(.22,1,.36,1),transform .72s cubic-bezier(.22,1,.36,1),filter .72s cubic-bezier(.22,1,.36,1)}
.reveal-ready .reveal.in{opacity:1;transform:none;filter:blur(0)}

@media (prefers-reduced-motion:reduce){
  .glowpulse{animation:none}
  .reveal-ready .reveal{opacity:1 !important;transform:none !important;filter:none !important;transition:none}
  .btn,.card,.step,.quote{transition:none !important}
}

/* ---------- grids ---------- */
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
@media(max-width:560px){.g2{grid-template-columns:1fr}}

/* ---------- cards ---------- */
.card{background:var(--ink-850);border:1px solid var(--line-dark);border-radius:var(--radius);padding:clamp(22px,2.4vw,28px);position:relative;transition:transform .25s cubic-bezier(.22,1,.36,1),border-color .25s,background .25s}
.card:hover{transform:translateY(-4px);border-color:var(--line-dark-2);background:var(--ink-800)}
.band-cream .card{background:var(--cream-0);border-color:var(--line-light);box-shadow:var(--sh-1)}
.band-cream .card:hover{box-shadow:var(--sh-2);border-color:var(--line-light-2)}
.card h3{margin-bottom:9px}
.card p{margin:0;font-size:15px;color:var(--on-ink-2)}
.band-cream .card p{color:var(--on-cream-2)}
.card__k{font-family:var(--mono);font-size:12px;color:var(--amber);letter-spacing:.04em;margin-bottom:12px}
.band-cream .card__k{color:var(--ember)}
.card__icon{width:52px;height:52px;border-radius:15px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;background:linear-gradient(150deg,rgba(255,178,44,.18),rgba(255,138,30,.06));border:1px solid rgba(255,178,44,.16);transition:transform .35s cubic-bezier(.22,1,.36,1)}
.band-cream .card__icon{background:linear-gradient(150deg,rgba(255,178,44,.22),rgba(255,138,30,.08));border-color:rgba(178,58,30,.14)}
.card__icon svg{width:26px;height:26px;stroke:var(--gold);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.band-cream .card__icon svg{stroke:var(--ember)}

.check{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:9px}
.check li{position:relative;padding-left:27px;font-size:14px;color:var(--on-ink-2)}
.band-cream .check li{color:var(--on-cream-2)}
.check li::before{content:"";position:absolute;left:0;top:2px;width:17px;height:17px;border-radius:50%;background:rgba(255,178,44,.16) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FFB22C' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/11px no-repeat}
.band-cream .check li::before{background-color:rgba(178,58,30,.12);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B23A1E' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E")}

/* ---------- bento (feature + supporting; replaces identical card grid) ---------- */
.bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:minmax(0,1fr);gap:16px;margin-top:44px}
.bento .card{display:flex;flex-direction:column}
.bento .feature{grid-column:span 2;grid-row:span 2;background:radial-gradient(120% 90% at 0% 0%,rgba(255,178,44,.16),transparent 55%),linear-gradient(160deg,rgba(178,58,30,.10),transparent 60%),var(--ink-850)}
.bento .feature h3{font-size:clamp(22px,2.6vw,28px)}
.bento .feature .check{margin-top:auto}
@media(max-width:900px){.bento{grid-template-columns:repeat(2,1fr)}.bento .feature{grid-column:span 2;grid-row:span 1}}
@media(max-width:540px){.bento{grid-template-columns:1fr}.bento .feature{grid-column:auto}}
/* the feature card stays dark even inside a cream band — force light text on it */
.band-cream .bento .feature{border-color:var(--line-dark-2);box-shadow:var(--sh-3)}
.band-cream .bento .feature h3{color:var(--cream)}
.band-cream .bento .feature p{color:var(--on-ink-2)}
.band-cream .bento .feature .check li{color:var(--on-ink-2)}
.band-cream .bento .feature .check li::before{background-color:rgba(255,178,44,.18);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FFB22C' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E")}
.band-cream .bento .feature .card__icon{background:linear-gradient(150deg,rgba(255,178,44,.22),rgba(255,138,30,.08));border-color:rgba(255,178,44,.22)}
.band-cream .bento .feature .card__icon svg{stroke:var(--gold)}

/* ---------- process timeline (numbers are earned: real ordered sequence) ---------- */
.flow{margin-top:44px;display:grid;grid-template-columns:repeat(5,1fr);gap:14px;position:relative}
@media(max-width:900px){.flow{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.flow{grid-template-columns:1fr}}
.flow--3{grid-template-columns:repeat(3,1fr)}
@media(max-width:620px){.flow--3{grid-template-columns:1fr}}
.flow__step{padding:24px 20px;border-radius:18px;background:var(--ink-850);border:1px solid var(--line-dark);transition:transform .25s,border-color .25s}
.flow__step:hover{transform:translateY(-4px);border-color:var(--line-dark-2)}
.band-cream .flow__step{background:var(--cream-0);border-color:var(--line-light);box-shadow:var(--sh-1)}
.flow__n{font-family:var(--display);font-weight:700;font-size:15px;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--grad-sun);color:#3a1d05;margin-bottom:16px;box-shadow:var(--sh-gold)}
.flow__step h3{font-size:17px;margin-bottom:7px}
.flow__step p{font-size:14px;color:var(--on-ink-2);margin:0}
.band-cream .flow__step p{color:var(--on-cream-2)}
.flow__meta{font-family:var(--mono);font-size:11.5px;color:var(--amber);margin-top:12px}
.band-cream .flow__meta{color:var(--ember)}

/* keep legacy .steps/.step working too */
.steps{display:grid;gap:14px;margin-top:44px}
.steps.g5{grid-template-columns:repeat(5,1fr)}
@media(max-width:900px){.steps.g5{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.steps.g5{grid-template-columns:1fr}}
.step{background:var(--ink-850);border:1px solid var(--line-dark);border-radius:18px;padding:24px 20px}
.band-cream .step{background:var(--cream-0);border-color:var(--line-light);box-shadow:var(--sh-1)}
.step__n{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;font-family:var(--display);font-weight:700;font-size:15px;color:#3a1d05;background:var(--grad-sun);margin-bottom:16px;box-shadow:var(--sh-gold)}
.step h3{font-size:17px;margin-bottom:7px}
.step p{font-size:14px;color:var(--on-ink-2);margin:0}
.band-cream .step p{color:var(--on-cream-2)}
.step__meta{font-family:var(--mono);font-size:11.5px;color:var(--amber);margin-top:12px}
.band-cream .step__meta{color:var(--ember)}

/* ---------- stats / cred ---------- */
.stats{display:flex;flex-wrap:wrap;gap:14px;margin-top:40px}
.stat{flex:1;min-width:150px;text-align:center;background:var(--ink-850);border:1px solid var(--line-dark);border-radius:18px;padding:26px 18px}
.band-cream .stat{background:var(--cream-0);border-color:var(--line-light);box-shadow:var(--sh-1)}
.stat__n{font-family:var(--display);font-weight:700;font-size:clamp(28px,3.4vw,36px);color:var(--gold);line-height:1;letter-spacing:-.02em}
.band-cream .stat__n{color:var(--ember)}
.stat__l{font-size:13.5px;color:var(--on-ink-2);margin-top:9px}
.band-cream .stat__l{color:var(--on-cream-2)}

/* ---------- testimonials ---------- */
.quote{background:var(--ink-850);border:1px solid var(--line-dark);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;transition:transform .25s,border-color .25s}
.quote:hover{transform:translateY(-4px);border-color:var(--line-dark-2)}
.band-cream .quote{background:var(--cream-0);border-color:var(--line-light);box-shadow:var(--sh-1)}
.quote__stars{color:var(--gold);letter-spacing:3px;font-size:15px;margin-bottom:14px}
.quote__text{font-size:15.5px;line-height:1.6;color:var(--on-ink);margin:0 0 18px}
.band-cream .quote__text{color:var(--on-cream)}
.quote__who{margin-top:auto;display:flex;align-items:center;gap:12px}
.quote__avatar{width:42px;height:42px;border-radius:50%;flex:none;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:700;font-size:16px;color:#3a1d05;background:var(--grad-sun)}
.quote__name{font-family:var(--display);font-weight:600;font-size:14.5px;color:var(--cream)}
.band-cream .quote__name{color:var(--on-cream)}
.quote__meta{color:var(--on-ink-2);font-size:12.5px;margin-top:2px}
.band-cream .quote__meta{color:var(--on-cream-2)}

/* ---------- split rows ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,60px);align-items:center}
@media(max-width:760px){.split{grid-template-columns:1fr;gap:30px}}
.split__art{border-radius:24px;min-height:300px;border:1px solid var(--line-dark);display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;background:radial-gradient(120% 100% at 50% 0%, rgba(255,178,44,.26), transparent 62%),var(--ink-850)}
.split__art::after{content:"";position:absolute;inset:0;background:radial-gradient(50% 40% at 50% 46%, rgba(255,160,50,.22), transparent 70%)}
.band-cream .split__art{border-color:var(--line-light);background:radial-gradient(120% 100% at 50% 0%, rgba(255,178,44,.22), transparent 62%),var(--cream-0)}
.split__art [data-sun]{position:relative;z-index:1;filter:drop-shadow(0 0 30px rgba(255,150,40,.4))}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:44px auto 0;display:grid;gap:12px}
.faq details{background:var(--ink-850);border:1px solid var(--line-dark);border-radius:16px;overflow:hidden;transition:border-color .2s}
.faq details[open]{border-color:var(--line-dark-2)}
.band-cream .faq details{background:var(--cream-0);border-color:var(--line-light);box-shadow:var(--sh-1)}
.faq summary{list-style:none;cursor:pointer;padding:20px 22px;font-family:var(--display);font-weight:600;font-size:16.5px;color:var(--cream);display:flex;justify-content:space-between;align-items:center;gap:16px}
.band-cream .faq summary{color:var(--on-cream)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";width:11px;height:11px;border-right:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(45deg);transition:transform .25s;margin-top:-4px;flex:none}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:2px}
.faq .faq__body{padding:0 22px 22px;font-size:15px;line-height:1.6;color:var(--on-ink-2)}
.band-cream .faq .faq__body{color:var(--on-cream-2)}
.faq .faq__body p{margin:0}

/* ---------- forms ---------- */
.form{max-width:640px;margin:0 auto;display:grid;gap:18px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:560px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column}
.field.full{grid-column:1 / -1}
.form label{font-family:var(--display);font-weight:600;font-size:14px;color:var(--cream);margin-bottom:8px}
.band-cream .form label{color:var(--on-cream)}
.req{color:var(--coral)}
.form input,.form select,.form textarea{width:100%;font-family:var(--body);font-size:15px;background-color:var(--ink-800);border:1px solid var(--line-dark-2);color:var(--on-ink);border-radius:13px;padding:14px 16px;transition:border-color .18s,box-shadow .18s,background .18s}
.band-cream .form input,.band-cream .form select,.band-cream .form textarea{background-color:var(--cream-0);border-color:var(--line-light-2);color:var(--on-cream)}
.form input::placeholder,.form textarea::placeholder{color:var(--on-ink-3)}
.band-cream .form input::placeholder,.band-cream .form textarea::placeholder{color:var(--on-cream-3)}
.form select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FFB22C' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center;background-size:17px;padding-right:42px}
.band-cream .form select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B23A1E' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E")}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(255,178,44,.16)}
.form textarea{resize:vertical;min-height:140px}
.consent{display:flex;gap:13px;align-items:flex-start;font-size:13px;line-height:1.55;color:var(--on-ink-2);background:var(--ink-900);border:1px solid var(--line-dark);border-radius:14px;padding:18px}
.band-cream .consent{background:var(--cream-2);border-color:var(--line-light);color:var(--on-cream-2)}
.consent input[type=checkbox]{width:19px;height:19px;flex:none;margin-top:2px;accent-color:var(--amber)}
.legalnote{background:var(--ink-900);border:1px solid var(--line-dark);border-radius:16px;padding:22px 24px;margin-top:10px}
.band-cream .legalnote{background:var(--cream-2);border-color:var(--line-light)}
.legalnote h4{color:var(--gold);margin-bottom:9px}
.band-cream .legalnote h4{color:var(--ember)}
.legalnote p{font-size:13.5px;color:var(--on-ink-2);margin:0}
.band-cream .legalnote p{color:var(--on-cream-2)}

/* ---------- loan calculator ---------- */
.calc{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:stretch;margin-top:10px}
@media(max-width:820px){.calc{grid-template-columns:1fr}}
.calc__panel{background:var(--cream-0);border:1px solid var(--line-light);border-radius:24px;padding:clamp(24px,3vw,34px);box-shadow:var(--sh-2)}
.calc__row{margin-bottom:28px}
.calc__row:last-child{margin-bottom:0}
.calc__top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:14px}
.calc__label{font-family:var(--display);font-weight:600;font-size:15px;color:var(--on-cream)}
.calc__val{font-family:var(--mono);font-weight:500;font-size:19px;color:var(--ember)}
.calc__range{display:flex;justify-content:space-between;font-family:var(--mono);font-size:11px;color:var(--on-cream-3);margin-top:9px}
input[type=range].slider{-webkit-appearance:none;appearance:none;width:100%;height:7px;border-radius:999px;background:linear-gradient(90deg,var(--gold),var(--amber));outline:none}
input[type=range].slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--amber);cursor:pointer;box-shadow:0 3px 10px rgba(178,58,30,.32);transition:transform .12s}
input[type=range].slider::-webkit-slider-thumb:hover{transform:scale(1.08)}
input[type=range].slider::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--amber);cursor:pointer}
.calc__result{background:radial-gradient(120% 80% at 50% 0%, rgba(255,160,50,.18), transparent 60%),linear-gradient(160deg,var(--ink-800),var(--ink-950));border:1px solid var(--line-dark-2);border-radius:24px;padding:clamp(26px,3vw,36px);text-align:center;display:flex;flex-direction:column;justify-content:center;box-shadow:var(--sh-2)}
.calc__pay-label{font-family:var(--display);font-weight:600;font-size:13px;color:var(--on-ink-2);text-transform:uppercase;letter-spacing:.12em}
.calc__pay{font-family:var(--display);font-weight:700;font-size:clamp(44px,7vw,60px);color:var(--gold);line-height:1.05;margin:10px 0 4px;letter-spacing:-.02em}
.calc__pay-sub{font-size:13px;color:var(--on-ink-2);margin-bottom:24px}
.calc__breakdown{display:flex;justify-content:space-around;gap:12px;border-top:1px solid var(--line-dark);padding-top:20px}
.calc__bd-n{font-family:var(--mono);font-size:19px;color:var(--cream)}
.calc__bd-l{font-size:11.5px;color:var(--on-ink-2);margin-top:5px}

/* ---------- prose (legal) ---------- */
.prose{max-width:75ch;margin:0 auto}
.prose h2{font-size:clamp(21px,2.4vw,26px);margin:42px 0 14px;color:var(--cream)}
.prose h2:first-child{margin-top:0}
.band-cream .prose h2{color:var(--on-cream)}
.prose h3{font-size:17px;margin:26px 0 9px;color:var(--gold)}
.band-cream .prose h3{color:var(--ember)}
.prose p{font-size:15.5px;line-height:1.7;color:var(--on-ink-2);margin:0 0 15px}
.band-cream .prose p{color:var(--on-cream-2)}
.prose ul{margin:0 0 17px;padding-left:23px;color:var(--on-ink-2)}
.band-cream .prose ul{color:var(--on-cream-2)}
.prose li{font-size:15.5px;line-height:1.6;margin-bottom:9px}
.prose strong{color:var(--on-ink)}
.band-cream .prose strong{color:var(--on-cream)}
.prose .updated{font-family:var(--mono);font-size:12.5px;color:var(--amber);margin-bottom:30px}
.band-cream .prose .updated{color:var(--ember)}

/* ---------- CTA band ---------- */
.cta{text-align:center;position:relative;overflow:hidden}
.cta__sun{margin:0 auto 22px;width:68px;height:68px;display:flex !important;align-items:center;justify-content:center;filter:drop-shadow(0 0 26px rgba(255,150,40,.42))}

/* ---------- footer ---------- */
.site-footer{background:var(--ink-950);border-top:1px solid var(--line-dark);padding:clamp(56px,7vw,80px) 0 0;color:var(--on-ink-2)}
.foot-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
@media(max-width:820px){.foot-top{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.foot-top{grid-template-columns:1fr}}
.foot-brand .nav__brand{margin-bottom:16px}
.foot-brand p{font-size:14px;max-width:32ch;line-height:1.6}
.foot-col h4{font-family:var(--display);font-size:13px;letter-spacing:.01em;color:var(--gold);margin-bottom:15px}
.foot-col ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.foot-col a,.foot-col li{font-size:14px;color:var(--on-ink-2);text-decoration:none}
.foot-col a{transition:color .15s}
.foot-col a:hover{color:var(--gold)}
.foot-disclaimer{margin-top:52px;padding:26px 0;border-top:1px solid var(--line-dark);font-size:12px;line-height:1.75;color:var(--on-ink-3)}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:20px 0 30px;border-top:1px solid var(--line-dark);font-size:12.5px}
.foot-bottom .word{font-family:var(--display);font-weight:700;color:var(--gold)}

/* ---------- crafted sunrise scene (art panels; reliable on-brand imagery) ---------- */
.split__art--scene{padding:0;overflow:hidden;border:1px solid var(--line-dark)}
.split__art--scene::after{display:none}
.split__art--scene svg{position:absolute;inset:0;width:100%;height:100%;display:block}
.scene-cap{position:absolute;left:16px;bottom:16px;z-index:2;font-family:var(--mono);font-size:12px;color:rgba(255,247,236,.92);background:rgba(20,10,6,.42);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);padding:7px 13px;border-radius:999px;border:1px solid rgba(255,236,209,.14)}

/* ---------- application: form + sticky trust rail ---------- */
.apply-layout{display:grid;grid-template-columns:1.55fr .95fr;gap:clamp(24px,3vw,36px);align-items:start;margin-top:38px}
@media(max-width:860px){.apply-layout{grid-template-columns:1fr}}
.trust-rail{position:sticky;top:96px;display:grid;gap:16px}
@media(max-width:860px){.trust-rail{position:static}}
.trust-rail .card__icon{margin-bottom:14px}
.rail-hours{font-size:13px;color:var(--on-ink-2);border-top:1px solid var(--line-dark);padding-top:14px;margin-top:4px}
.band-cream .rail-hours{color:var(--on-cream-2);border-top-color:var(--line-light)}

/* ---------- motion polish (emil-design-eng) ---------- */
:root{--ease-out:cubic-bezier(.22,1,.36,1)}
/* press feedback: every pressable element scales down slightly */
.btn:active{transform:scale(.97)}
.nav__cta:active{transform:scale(.97)}
.nav__toggle:active{transform:scale(.94)}
input[type=range].slider::-webkit-slider-thumb:active{transform:scale(1.18)}
/* don't leave a stuck hover-lift after a tap on touch devices */
@media (hover:none){
  .card:hover,.quote:hover,.flow__step:hover,.stat:hover{transform:none}
  .btn-primary:hover,.btn-ghost:hover,.nav__cta:hover{transform:none}
}
/* reliably center the dot-kicker when a section intro is centered */
.kicker.center,.eyebrow.center{display:flex;justify-content:center}
/* sleek hover micro-interactions (real-hover devices only) */
@media (hover:hover) and (pointer:fine){
  .card:hover .card__icon{transform:scale(1.09) rotate(-3deg)}
  .quote:hover .quote__avatar{transform:scale(1.06)}
  .flow__n,.step__n{transition:transform .3s cubic-bezier(.22,1,.36,1)}
  .flow__step:hover .flow__n{transform:scale(1.12)}
  .faq summary:hover{color:var(--gold)}
  .band-cream .faq summary:hover{color:var(--ember)}
}
.quote__avatar{transition:transform .3s cubic-bezier(.22,1,.36,1)}
.faq summary{transition:color .2s ease}

/* ---------- focus ---------- */
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:6px}