/* Website UI Kit — local styles on top of design tokens */

* { box-sizing: border-box; }

.site {
  font-family: var(--font-body);
  color: var(--color-fg-1);
  background: var(--color-bg-1);
  min-height: 100vh;
}

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

/* ---- Nav ---- */
.nav {
  position: sticky;
  top: 0;
  height: var(--nav-height);
  display: flex;
  align-items: center;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-border-1);
  z-index: var(--z-sticky);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}
.nav-brand {
  display: flex;
  align-items: center;
  gap: 16px;
}
.nav-brand img {
  height: 40px;
}
.nav-links {
  display: flex;
  gap: 28px;
}
.nav-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--color-charcoal-700);
  border: 0 !important;
}
.nav-link:hover { color: var(--color-sky-600); }
.nav-right {
  display: flex;
  align-items: center;
  gap: 16px;
}
.phone {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.04em;
  color: var(--color-charcoal-600);
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 14px;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
  line-height: 1;
  transition: all 150ms var(--ease-out);
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0) scale(0.98); }
.btn-primary {
  background: var(--color-sky-500);
  color: var(--color-charcoal-800);
  border-color: var(--color-sky-500);
}
.btn-primary:hover {
  background: var(--color-sky-600);
  border-color: var(--color-sky-600);
  color: var(--color-white);
}
.btn-secondary {
  background: var(--color-charcoal-700);
  color: var(--color-white);
  border-color: var(--color-charcoal-700);
}
.btn-secondary:hover { background: var(--color-charcoal-800); }
.btn-ghost {
  background: transparent;
  color: var(--color-charcoal-700);
  border-color: var(--color-border-2);
}
.btn-ghost:hover { background: var(--color-neutral-50); }
.btn-lg { padding: 16px 28px; font-size: 15px; }

/* ---- Hero ---- */
.hero {
  position: relative;
  padding: 80px 0 120px;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero-eyebrow {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--color-sky-600);
  margin-bottom: 20px;
}
.hero-headline {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(40px, 5vw, 64px);
  letter-spacing: -0.025em;
  line-height: 1.02;
  color: var(--color-charcoal-800);
  margin: 0 0 24px;
}
.hero-headline .script {
  font-family: var(--font-script);
  font-weight: 400;
  color: var(--color-sky-600);
  font-size: 1.05em;
  margin-right: 6px;
  font-style: normal;
}
.hero-sub {
  font-size: 18px;
  line-height: 1.6;
  color: var(--color-charcoal-500);
  max-width: 480px;
  margin: 0 0 32px;
}
.hero-ctas { display: flex; gap: 12px; }
.hero-photo {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: linear-gradient(160deg, #d4a574 0%, #b8895a 35%, #8b6442 70%, #4a3624 100%);
  box-shadow: var(--shadow-lg);
}
.hero-photo::after {
  content: 'Photo: family at home · golden hour · drop in real image';
  position: absolute;
  inset: auto 16px 16px 16px;
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  font-weight: 600;
}
.hero-photo::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(20, 15, 10, 0.6) 100%);
}

/* Floating rate widget over hero */
.rate-float {
  position: absolute;
  bottom: -56px;
  right: 0;
  width: 360px;
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 22px 24px;
  z-index: 2;
}

/* ---- Rate widget shared ---- */
.rate-eyebrow {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--color-sky-600);
  margin-bottom: 4px;
}
.rate-main {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  padding: 8px 0 12px;
  border-bottom: 1px solid var(--color-border-1);
}
.rate-number {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 48px;
  letter-spacing: -0.03em;
  line-height: 1;
  color: var(--color-charcoal-800);
}
.rate-number .pct {
  font-size: 24px;
  color: var(--color-sky-600);
  vertical-align: 6px;
}
.rate-apr {
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--color-fg-3);
}
.rate-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  padding: 12px 0;
}
.rate-stat-lbl {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-fg-3);
}
.rate-stat-val {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  color: var(--color-charcoal-700);
  letter-spacing: -0.01em;
  margin-top: 2px;
}
.rate-disc {
  font-size: 10px;
  color: var(--color-fg-4);
  line-height: 1.4;
  padding-top: 10px;
  border-top: 1px solid var(--color-border-1);
}

/* ---- Section frame ---- */
.section {
  padding: 96px 0;
}
.section-eyebrow {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--color-sky-600);
  margin-bottom: 16px;
}
.section-title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 44px;
  letter-spacing: -0.025em;
  line-height: 1.05;
  color: var(--color-charcoal-800);
  margin: 0 0 16px;
  max-width: 720px;
  text-wrap: balance;
}
.section-sub {
  font-size: 17px;
  color: var(--color-charcoal-500);
  line-height: 1.6;
  max-width: 600px;
  margin: 0 0 48px;
}
.section.bone { background: var(--color-bone-100); }
.section.dark { background: var(--color-charcoal-700); color: var(--color-white); }
.section.dark .section-title { color: var(--color-white); }
.section.dark .section-sub { color: rgba(255,255,255,0.7); }
.section.dark .section-eyebrow { color: var(--color-sky-400); }

/* ---- Value props ---- */
.props-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.prop {
  background: var(--color-white);
  border: 1px solid var(--color-border-1);
  border-radius: var(--radius-md);
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: all 200ms var(--ease-out);
}
.prop:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.prop-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--color-sky-100);
  color: var(--color-sky-700);
  display: flex;
  align-items: center;
  justify-content: center;
}
.prop-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--color-charcoal-800);
  margin: 0;
}
.prop-body {
  font-size: 15px;
  line-height: 1.55;
  color: var(--color-charcoal-500);
  margin: 0;
}

/* ---- Calculator ---- */
.calc-wrap {
  background: var(--color-white);
  border: 1px solid var(--color-border-1);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
}
.calc-fields { display: flex; flex-direction: column; gap: 20px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-lbl {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-charcoal-500);
}
.field-input {
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 500;
  padding: 12px 14px;
  border: 1px solid var(--color-border-2);
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-charcoal-800);
  outline: 0;
  transition: all 150ms var(--ease-out);
}
.field-input:focus {
  border-color: var(--color-sky-500);
  box-shadow: var(--shadow-focus-ring);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.calc-result {
  background: var(--color-bone-100);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 16px;
}
.calc-result-lbl {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--color-fg-3);
}
.calc-result-big {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 56px;
  letter-spacing: -0.03em;
  line-height: 1;
  color: var(--color-charcoal-800);
}
.calc-result-big .per {
  font-size: 16px;
  font-weight: 500;
  color: var(--color-charcoal-500);
  margin-left: 6px;
}
.calc-breakdown {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-top: 16px;
  border-top: 1px solid var(--color-bone-300);
}
.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
}
.calc-breakdown-row span:first-child { color: var(--color-charcoal-500); }
.calc-breakdown-row span:last-child { font-weight: 600; color: var(--color-charcoal-700); font-family: var(--font-mono); }

/* ---- Process ---- */
.process-list {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
  position: relative;
}
.process-list::before {
  content: '';
  position: absolute;
  top: 24px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: var(--color-border-1);
  z-index: 0;
}
.step {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  padding-right: 16px;
}
.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--color-white);
  border: 2px solid var(--color-sky-500);
  color: var(--color-sky-700);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
}
.step.active .step-num {
  background: var(--color-sky-500);
  color: var(--color-charcoal-800);
}
.step-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  letter-spacing: -0.005em;
  color: var(--color-charcoal-800);
}
.step-body {
  font-size: 13px;
  color: var(--color-charcoal-500);
  line-height: 1.5;
}

/* ---- Testimonial ---- */
.testimonial {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 36px;
  align-items: center;
  max-width: 920px;
}
.t-avatar {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: linear-gradient(160deg, #c9a880, #8c6f4a);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 36px;
  color: var(--color-white);
  letter-spacing: 0.04em;
  flex-shrink: 0;
}
.t-quote {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 26px;
  line-height: 1.35;
  letter-spacing: -0.015em;
  color: var(--color-charcoal-800);
  text-wrap: balance;
}
.t-cite {
  margin-top: 16px;
  font-size: 13px;
  color: var(--color-charcoal-500);
}
.t-cite b { color: var(--color-charcoal-800); font-weight: 700; }

/* ---- Contact CTA ---- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.contact-form {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--color-charcoal-800);
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-form h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  margin: 0;
  color: var(--color-charcoal-800);
}

/* ---- Footer ---- */
.footer {
  background: var(--color-charcoal-800);
  color: rgba(255,255,255,0.75);
  padding: 64px 0 0;
  font-size: 13px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer h5 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin: 0 0 16px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,0.75); border: 0; }
.footer-links a:hover { color: var(--color-sky-400); }
.footer-brand img { height: 64px; margin-bottom: 16px; filter: brightness(0) invert(1); opacity: 0.95; }
.footer-strip {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: rgba(255,255,255,0.5);
  font-size: 11px;
}
.disclosure {
  padding: 24px 0 64px;
  font-size: 11px;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
  max-width: 880px;
}
.eho {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-right: 12px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

/* Lucide */
.lucide { stroke-width: 1.5; }