/* AltLend Pro — Ohio Investor Lending
   Brand: Dark navy + Gold/Amber
   Fonts: Syne (headings), DM Sans (body) */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,100..1000;1,9..40,100..1000&family=Syne:wght@400;500;600;700;800&display=swap');

:root {
  --navy: #0A1628;
  --navy-light: #111D31;
  --navy-mid: #1A2940;
  --gold: #D4A843;
  --gold-light: #E8C96E;
  --gold-dark: #B8922F;
  --white: #FFFFFF;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --green: #10B981;
  --red: #EF4444;
  --font-heading: 'Syne', sans-serif;
  --font-body: 'DM Sans', sans-serif;
  --max-width: 1200px;
  --radius: 8px;
  --radius-lg: 12px;
  --shadow: 0 1px 3px rgba(0,0,0,0.12);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.15);
  --transition: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--gold-dark); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.25rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 1.5rem; }

/* ── HEADER / NAV ──────────────────────────────────── */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(10, 22, 40, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(212, 168, 67, 0.15);
}

.nav-wrapper {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.logo {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}
.logo span { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-links a {
  color: var(--gray-300);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--white); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  padding: 0.6rem 1.5rem;
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 700;
  font-size: 0.9rem;
  border-radius: var(--radius);
  transition: background var(--transition), transform var(--transition);
}
.nav-cta:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}
.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  transition: var(--transition);
}

/* ── HERO ──────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 50%, var(--navy-mid) 100%);
  padding: 8rem 0 5rem;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212,168,67,0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.hero-content {
  max-width: 700px;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 1rem;
  background: rgba(212,168,67,0.12);
  border: 1px solid rgba(212,168,67,0.3);
  border-radius: 100px;
  font-size: 0.85rem;
  color: var(--gold);
  margin-bottom: 1.5rem;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
}
.hero h1 span { color: var(--gold); }

.hero p {
  font-size: 1.15rem;
  color: var(--gray-300);
  margin-bottom: 2rem;
  max-width: 600px;
}

.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 1rem 2rem;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 1.05rem;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
}
.hero-cta:hover {
  background: var(--gold-light);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,168,67,0.3);
}

.hero-stats {
  display: flex;
  gap: 3rem;
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat h3 {
  color: var(--gold);
  font-size: 2rem;
  margin-bottom: 0.25rem;
}
.hero-stat p {
  color: var(--gray-400);
  font-size: 0.85rem;
  margin: 0;
}

/* ── SECTION UTILITIES ─────────────────────────────── */
.section { padding: 5rem 0; }
.section-dark { background: var(--navy); color: var(--white); }
.section-light { background: var(--gray-50); }
.section-header { text-align: center; max-width: 640px; margin: 0 auto 3rem; }
.section-header p { color: var(--gray-500); margin-top: 0.75rem; font-size: 1.05rem; }
.section-dark .section-header p { color: var(--gray-400); }

/* ── PRODUCT CARDS ─────────────────────────────────── */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
}

.product-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.product-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 32px rgba(212,168,67,0.1);
  transform: translateY(-4px);
}

.product-card-icon {
  width: 48px;
  height: 48px;
  background: rgba(212,168,67,0.1);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
}

.product-card h3 { margin-bottom: 0.75rem; }
.product-card p { color: var(--gray-500); font-size: 0.95rem; margin-bottom: 1.25rem; }
.product-card a {
  font-weight: 600;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

/* ── WHY / FEATURES ────────────────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}

.feature-item {
  text-align: center;
  padding: 1.5rem;
}
.feature-item .icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}
.feature-item h3 { margin-bottom: 0.5rem; }
.feature-item p { color: var(--gray-500); font-size: 0.95rem; }
.section-dark .feature-item p { color: var(--gray-400); }

/* ── STEPS / HOW IT WORKS ──────────────────────────── */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  counter-reset: step;
}

.step {
  text-align: center;
  padding: 2rem 1.5rem;
  position: relative;
  counter-increment: step;
}
.step::before {
  content: counter(step);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.5rem;
  border-radius: 50%;
  margin: 0 auto 1.25rem;
}
.step h3 { margin-bottom: 0.5rem; }
.step p { color: var(--gray-500); font-size: 0.95rem; }

/* ── MARKET SNAPSHOT ───────────────────────────────── */
.market-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
}
.market-card {
  background: var(--navy-light);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: center;
}
.market-card h3 {
  color: var(--gold);
  font-size: 2rem;
  margin-bottom: 0.25rem;
}
.market-card p { color: var(--gray-400); font-size: 0.9rem; }

/* ── CTA SECTION ───────────────────────────────────── */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 4rem 0;
  text-align: center;
  color: var(--white);
}
.cta-section h2 { color: var(--white); margin-bottom: 1rem; }
.cta-section p { color: var(--gray-300); margin-bottom: 2rem; max-width: 500px; margin-left: auto; margin-right: auto; }

/* ── FORM ──────────────────────────────────────────── */
.form-wrapper {
  max-width: 700px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1rem;
}
.form-row.full { grid-template-columns: 1fr; }

.form-group { display: flex; flex-direction: column; }
.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 0.3rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.75rem 1rem;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.95rem;
  transition: border-color var(--transition);
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,168,67,0.15);
}
.form-group textarea { resize: vertical; min-height: 80px; }

.form-submit {
  width: 100%;
  padding: 1rem;
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1.05rem;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
  margin-top: 0.5rem;
}
.form-submit:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
}

.form-disclaimer {
  text-align: center;
  font-size: 0.75rem;
  color: var(--gray-400);
  margin-top: 1rem;
  line-height: 1.5;
}

/* ── DSCR CALCULATOR ───────────────────────────────── */
.calculator {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  max-width: 500px;
  margin: 2rem auto;
}
.calculator h3 { text-align: center; margin-bottom: 1.5rem; }
.calc-result {
  text-align: center;
  padding: 1.5rem;
  background: var(--white);
  border-radius: var(--radius);
  margin-top: 1rem;
}
.calc-result .ratio {
  font-family: var(--font-heading);
  font-size: 3rem;
  font-weight: 800;
}
.calc-result .ratio.pass { color: var(--green); }
.calc-result .ratio.fail { color: var(--red); }
.calc-result .label {
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-top: 0.25rem;
}

/* ── BLOG ──────────────────────────────────────────── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 2rem;
}
.blog-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition), transform var(--transition);
}
.blog-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
}
.blog-card-img {
  height: 200px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
}
.blog-card-body { padding: 1.5rem; }
.blog-card-body h3 { margin-bottom: 0.5rem; font-size: 1.15rem; }
.blog-card-body p { color: var(--gray-500); font-size: 0.9rem; margin-bottom: 1rem; }
.blog-card-meta { font-size: 0.8rem; color: var(--gray-400); }

.blog-post { max-width: 800px; margin: 0 auto; padding: 6rem 1.5rem 4rem; }
.blog-post h1 { margin-bottom: 0.5rem; }
.blog-post .meta { color: var(--gray-500); margin-bottom: 2rem; }
.blog-post h2 { margin-top: 2.5rem; margin-bottom: 1rem; }
.blog-post h3 { margin-top: 2rem; margin-bottom: 0.75rem; }
.blog-post p { margin-bottom: 1.25rem; }
.blog-post ul, .blog-post ol { margin-bottom: 1.25rem; padding-left: 1.5rem; }
.blog-post li { margin-bottom: 0.5rem; }

/* ── PAGE HERO (product pages) ─────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 8rem 0 4rem;
  color: var(--white);
}
.page-hero h1 { color: var(--white); margin-bottom: 1rem; }
.page-hero p { color: var(--gray-300); font-size: 1.1rem; max-width: 640px; }

/* ── CONTENT SECTIONS ──────────────────────────────── */
.content-section {
  max-width: 800px;
  margin: 0 auto;
  padding: 3rem 1.5rem;
}
.content-section h2 { margin-bottom: 1rem; margin-top: 2.5rem; }
.content-section h3 { margin-bottom: 0.75rem; margin-top: 2rem; }
.content-section p { margin-bottom: 1.25rem; color: var(--gray-600); }
.content-section ul { padding-left: 1.25rem; margin-bottom: 1.25rem; }
.content-section li { margin-bottom: 0.5rem; color: var(--gray-600); }

/* ── FOOTER ────────────────────────────────────────── */
.site-footer {
  background: var(--navy);
  color: var(--gray-400);
  padding: 3rem 0 2rem;
  font-size: 0.85rem;
  border-top: 1px solid rgba(212,168,67,0.15);
}

.footer-content {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 2rem;
}

.footer-brand .logo { margin-bottom: 1rem; display: inline-block; }
.footer-brand p { max-width: 320px; line-height: 1.6; }

.footer-links h4 {
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 0.95rem;
  margin-bottom: 1rem;
}
.footer-links ul { list-style: none; }
.footer-links li { margin-bottom: 0.5rem; }
.footer-links a { color: var(--gray-400); }
.footer-links a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.5rem;
  text-align: center;
}
.footer-compliance {
  font-size: 0.75rem;
  color: var(--gray-500);
  line-height: 1.8;
  max-width: 800px;
  margin: 0 auto;
}
.footer-compliance a { color: var(--gray-400); }
.equal-housing { font-size: 0.7rem; margin-top: 0.5rem; }

/* ── RESPONSIVE ────────────────────────────────────── */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .mobile-toggle { display: block; }

  .nav-links.active {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--navy);
    padding: 1.5rem;
    gap: 1rem;
    border-bottom: 1px solid rgba(212,168,67,0.15);
  }

  .hero { padding: 7rem 0 3rem; }
  .hero-stats { flex-direction: column; gap: 1.5rem; }

  .form-row { grid-template-columns: 1fr; }
  .footer-content { grid-template-columns: 1fr; gap: 2rem; }
  .products-grid { grid-template-columns: 1fr; }
  .market-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .market-grid { grid-template-columns: 1fr; }
}