/* Lot Loan Lender — site styles (2026) */
:root {
  --blue-900: #0b2740;
  --blue-800: #123a5c;
  --blue-700: #1a4f7a;
  --blue-600: #1e6bb8;
  --blue-500: #2b7fd4;
  --blue-100: #e8f2fb;
  --blue-50: #f3f8fc;
  --neutral-900: #1a1f26;
  --neutral-700: #3d4654;
  --neutral-600: #5a6575;
  --neutral-400: #8b95a5;
  --neutral-200: #d5dbe5;
  --neutral-100: #eef1f5;
  --neutral-50: #f7f9fb;
  --white: #ffffff;
  --success: #1a7a4c;
  --danger: #b42318;
  --radius: 10px;
  --shadow: 0 8px 24px rgba(11, 39, 64, 0.08);
  --shadow-sm: 0 2px 8px rgba(11, 39, 64, 0.06);
  --font: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  --max: 1100px;
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.05rem;
  line-height: 1.6;
  color: var(--neutral-900);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-600); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--blue-800); }
h1, h2, h3, h4 {
  line-height: 1.25;
  color: var(--blue-900);
  margin: 0 0 0.75rem;
  font-weight: 700;
}
h1 { font-size: clamp(1.75rem, 4vw, 2.35rem); }
h2 { font-size: clamp(1.4rem, 3vw, 1.85rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; }
ul, ol { margin: 0 0 1rem; padding-left: 1.25rem; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--blue-900); color: #fff;
  padding: 0.75rem 1rem; z-index: 1000;
}
.skip-link:focus { left: 0.5rem; top: 0.5rem; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--neutral-200);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  min-height: var(--header-h); gap: 1rem;
}
.logo {
  display: flex; align-items: center; gap: 0.65rem;
  text-decoration: none; color: var(--blue-900); font-weight: 800;
  letter-spacing: -0.02em; font-size: 1.05rem;
}
.logo:hover { color: var(--blue-700); }
.logo-img {
  display: block;
  height: 48px;
  width: auto;
  max-width: min(240px, 58vw);
}
@media (max-width: 480px) {
  .logo-img { height: 40px; }
}
.nav-toggle {
  display: none; background: transparent; border: 1px solid var(--neutral-200);
  border-radius: 8px; padding: 0.45rem 0.65rem; cursor: pointer; color: var(--blue-900);
}
.site-nav { display: flex; align-items: center; gap: 0.25rem 1.1rem; flex-wrap: wrap; }
.site-nav a {
  text-decoration: none; color: var(--neutral-700); font-weight: 600; font-size: 0.95rem;
  padding: 0.35rem 0.15rem;
}
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--blue-600); }
.nav-cta {
  background: var(--blue-600) !important; color: #fff !important;
  padding: 0.55rem 0.95rem !important; border-radius: 8px;
  text-decoration: none !important;
}
.nav-cta:hover { background: var(--blue-800) !important; color: #fff !important; }

@media (max-width: 840px) {
  .nav-toggle { display: inline-flex; align-items: center; gap: 0.35rem; }
  .site-nav {
    display: none; position: absolute; left: 0; right: 0; top: var(--header-h);
    background: #fff; border-bottom: 1px solid var(--neutral-200);
    flex-direction: column; align-items: stretch; padding: 0.75rem 1rem 1rem; gap: 0.25rem;
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 0.7rem 0.5rem; }
  .nav-cta { text-align: center; margin-top: 0.35rem; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  font-weight: 700; font-size: 1rem; line-height: 1.2;
  padding: 0.8rem 1.25rem; border-radius: 9px; border: 2px solid transparent;
  cursor: pointer; text-decoration: none !important; transition: background .15s, border-color .15s, color .15s;
}
.btn-primary { background: var(--blue-600); color: #fff !important; }
.btn-primary:hover { background: var(--blue-800); color: #fff !important; }
.btn-secondary {
  background: transparent; color: var(--blue-700) !important; border-color: var(--blue-600);
}
.btn-secondary:hover { background: var(--blue-100); }
.btn-light { background: #fff; color: var(--blue-800) !important; }
.btn-light:hover { background: var(--blue-50); }
.btn-block { width: 100%; }

/* Hero */

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: 2rem;
  align-items: center;
}
.hero-art {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-art img {
  width: min(100%, 420px);
  height: auto;
  border-radius: 14px; box-shadow: 0 12px 28px rgba(0,0,0,0.28); background:#fff;
}
@media (max-width: 800px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-art { order: -1; }
  .hero-art img { width: min(100%, 280px); }
}

.hero {
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(43,127,212,0.25), transparent 60%),
    linear-gradient(160deg, var(--blue-900) 0%, var(--blue-700) 55%, #2a6aa0 100%);
  color: #fff; padding: 3.25rem 0 3.5rem;
}
.hero h1 { color: #fff; margin-bottom: 1rem; max-width: 18ch; }
.hero .lede { font-size: 1.15rem; opacity: 0.95; max-width: 42rem; margin-bottom: 1.5rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-bottom: 1.75rem; }
.hero-points {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: 0.55rem; max-width: 36rem;
}
.hero-points li {
  display: flex; gap: 0.6rem; align-items: flex-start;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px; padding: 0.65rem 0.85rem; font-size: 0.98rem;
}
.hero-points li::before {
  content: ""; width: 0.55rem; height: 0.55rem; margin-top: 0.45rem;
  border-radius: 50%; background: #7ec8ff; flex-shrink: 0;
}
.badge-note {
  display: inline-block; margin-top: 1.25rem; font-size: 0.9rem;
  background: rgba(0,0,0,0.2); padding: 0.45rem 0.75rem; border-radius: 999px;
}

/* Sections */
.section { padding: 3rem 0; }
.section-alt { background: var(--neutral-50); }
.section-head { margin-bottom: 1.75rem; max-width: 40rem; }
.section-head p { color: var(--neutral-600); }

/* Product tiles */
.tile-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem;
}
@media (max-width: 800px) { .tile-grid { grid-template-columns: 1fr; } }
.tile {
  background: #fff; border: 1px solid var(--neutral-200); border-radius: var(--radius);
  padding: 1.35rem; box-shadow: var(--shadow-sm); text-decoration: none; color: inherit;
  display: flex; flex-direction: column; gap: 0.5rem; transition: border-color .15s, box-shadow .15s;
}
.tile:hover { border-color: var(--blue-500); box-shadow: var(--shadow); color: inherit; }
.tile-icon {
  width: 44px; height: 44px; border-radius: 10px; background: var(--blue-100);
  color: var(--blue-700); display: grid; place-items: center; margin-bottom: 0.35rem;
}
.tile h3 { margin: 0; font-size: 1.15rem; }
.tile p { margin: 0; color: var(--neutral-600); font-size: 0.98rem; flex: 1; }
.tile .tile-link { color: var(--blue-600); font-weight: 700; margin-top: 0.5rem; }

/* Steps */
.steps {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; counter-reset: step;
}
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.step {
  background: #fff; border: 1px solid var(--neutral-200); border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.25rem 1.35rem; position: relative;
}
.step::before {
  counter-increment: step; content: counter(step);
  display: inline-grid; place-items: center;
  width: 2rem; height: 2rem; border-radius: 50%;
  background: var(--blue-600); color: #fff; font-weight: 800; font-size: 0.95rem;
  margin-bottom: 0.75rem;
}
.step h3 { margin-bottom: 0.4rem; }
.step p { margin: 0; color: var(--neutral-600); font-size: 0.98rem; }

/* Trust strip */
.trust-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0.75rem;
  background: var(--blue-50); border: 1px solid var(--blue-100);
  border-radius: var(--radius); padding: 1rem;
}
@media (max-width: 800px) { .trust-strip { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .trust-strip { grid-template-columns: 1fr; } }
.trust-item { padding: 0.5rem 0.65rem; }
.trust-item strong { display: block; color: var(--blue-900); font-size: 0.95rem; }
.trust-item span { color: var(--neutral-600); font-size: 0.9rem; }

/* Testimonials */
.testimonial-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem;
}
@media (max-width: 700px) { .testimonial-grid { grid-template-columns: 1fr; } }
.quote {
  background: #fff; border: 1px solid var(--neutral-200); border-radius: var(--radius);
  padding: 1.25rem; box-shadow: var(--shadow-sm);
}
.quote p { margin: 0 0 1rem; color: var(--neutral-700); font-size: 0.98rem; }
.quote footer { font-weight: 700; color: var(--blue-900); font-size: 0.92rem; }
.quote footer span { font-weight: 500; color: var(--neutral-600); }

/* CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--blue-800), var(--blue-600));
  color: #fff; padding: 2.5rem 0; text-align: center;
}
.cta-band h2 { color: #fff; margin-bottom: 0.5rem; }
.cta-band p { opacity: 0.95; max-width: 36rem; margin: 0 auto 1.25rem; }

/* Forms */
.form-card {
  background: #fff; border: 1px solid var(--neutral-200); border-radius: 12px;
  padding: 1.5rem; box-shadow: var(--shadow); max-width: 560px;
}
.form-row { margin-bottom: 1rem; }
.form-row label {
  display: block; font-weight: 600; font-size: 0.92rem; margin-bottom: 0.35rem; color: var(--neutral-700);
}
.form-row label .req { color: var(--danger); }
.form-row input, .form-row select, .form-row textarea {
  width: 100%; padding: 0.7rem 0.8rem; border: 1px solid var(--neutral-200);
  border-radius: 8px; font: inherit; background: #fff; color: var(--neutral-900);
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus {
  outline: 2px solid var(--blue-500); outline-offset: 1px; border-color: var(--blue-500);
}
.form-row textarea { min-height: 110px; resize: vertical; }
.form-hint { font-size: 0.85rem; color: var(--neutral-600); margin: 0.25rem 0 0; }
.form-error { color: var(--danger); font-size: 0.88rem; margin-top: 0.3rem; display: none; }
.form-row.invalid input, .form-row.invalid select, .form-row.invalid textarea { border-color: var(--danger); }
.form-row.invalid .form-error { display: block; }
.hp-field {
  position: absolute !important; left: -10000px !important; top: auto !important;
  width: 1px !important; height: 1px !important; overflow: hidden !important;
}
.form-disclaimer {
  font-size: 0.88rem; color: var(--neutral-700); margin: 0.75rem 0 0.5rem;
  padding: 0.65rem 0.75rem; background: var(--blue-50); border-radius: 8px;
  border: 1px solid var(--blue-100);
}
.form-privacy {
  font-size: 0.88rem; color: var(--neutral-600); margin: 0.75rem 0 1rem;
}
.form-heading-dynamic {
  background: var(--blue-50); border-left: 4px solid var(--blue-600);
  padding: 0.75rem 1rem; border-radius: 0 8px 8px 0; margin-bottom: 1.25rem;
}
.form-heading-dynamic strong { color: var(--blue-900); }

/* Calculator */
.calc-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; align-items: start;
}
@media (max-width: 700px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-result {
  background: var(--blue-900); color: #fff; border-radius: 12px; padding: 1.5rem;
}
.calc-result .label { opacity: 0.85; font-size: 0.95rem; margin-bottom: 0.35rem; }
.calc-result .amount { font-size: 2.2rem; font-weight: 800; letter-spacing: -0.02em; }
.calc-result .note { margin-top: 1rem; font-size: 0.88rem; opacity: 0.85; }

/* FAQ */
.faq-list details {
  background: #fff; border: 1px solid var(--neutral-200); border-radius: 8px;
  padding: 0.85rem 1rem; margin-bottom: 0.65rem;
}
.faq-list summary {
  cursor: pointer; font-weight: 700; color: var(--blue-900); list-style: none;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::before {
  content: "+"; display: inline-block; width: 1.2rem; color: var(--blue-600); font-weight: 800;
}
.faq-list details[open] summary::before { content: "–"; }
.faq-list details p { margin: 0.75rem 0 0.25rem; color: var(--neutral-700); }

/* Page header (inner) */
.page-hero {
  background: var(--blue-50); border-bottom: 1px solid var(--blue-100);
  padding: 2.25rem 0 2rem;
}
.page-hero .breadcrumb {
  font-size: 0.88rem; color: var(--neutral-600); margin-bottom: 0.65rem;
}
.page-hero .breadcrumb a { text-decoration: none; }
.prose { max-width: 42rem; }
.prose p, .prose li { color: var(--neutral-700); }
.card-list { display: grid; gap: 1rem; }
.card {
  background: #fff; border: 1px solid var(--neutral-200); border-radius: var(--radius);
  padding: 1.25rem; text-decoration: none; color: inherit; display: block;
}
.card:hover { border-color: var(--blue-500); box-shadow: var(--shadow-sm); color: inherit; }
.card h3 { margin-bottom: 0.35rem; }
.card p { margin: 0; color: var(--neutral-600); }

/* Two-col layout */
.split { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 2rem; align-items: start; }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } }

/* Footer */
.site-footer {
  background: var(--blue-900); color: rgba(255,255,255,0.88); padding: 2.75rem 0 1.5rem;
  margin-top: 0;
}
.site-footer a { color: #9ec9f0; }
.site-footer a:hover { color: #fff; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 1.75rem; margin-bottom: 2rem;
}
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { font-weight: 800; font-size: 1.1rem; color: #fff; margin-bottom: 0.5rem; }
.footer-nav { list-style: none; padding: 0; margin: 0; }
.footer-nav li { margin-bottom: 0.4rem; }
.footer-nav a { text-decoration: none; font-weight: 600; }
.footer-disclosure {
  font-size: 0.82rem; line-height: 1.5; color: rgba(255,255,255,0.72);
  border-top: 1px solid rgba(255,255,255,0.12); padding-top: 1.25rem; margin: 0 0 0.85rem;
}
.footer-equal-housing, .footer-contact, .footer-copyright {
  font-size: 0.85rem; color: rgba(255,255,255,0.75); margin: 0 0 0.45rem;
}
.eho-badge {
  display: inline-flex; align-items: center; gap: 0.45rem;
  color: rgba(255,255,255,0.9);
}
.eho-icon { flex-shrink: 0; display: block; }
.eho-text { font-weight: 600; }
.footer-legal-links {
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.25rem; margin-top: 1rem;
  font-size: 0.88rem;
}

/* Misc */
.muted { color: var(--neutral-600); }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.stack-sm > * + * { margin-top: 0.75rem; }
.resource-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem;
}
@media (max-width: 700px) { .resource-grid { grid-template-columns: 1fr; } }