/* ============================================================
   Commercial Loan Desk — design tokens
   Display: Fraunces / Body: Inter / Utility: IBM Plex Mono
   ============================================================ */

:root {
  --ink: #12213B;
  --ink-soft: #3B4A63;
  --paper: #EEF1F4;
  --paper-alt: #FFFFFF;
  --line: #D6DCE2;

  --brass: #B8863A;
  --brass-dark: #93692A;
  --strong: #2C6E5D;
  --possible: #B8863A;
  --difficult: #B5502E;
  --needs-info: #5B6B75;

  --radius: 3px;
  --shadow-card: 0 1px 2px rgba(18,33,59,0.06), 0 8px 24px rgba(18,33,59,0.06);

  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'IBM Plex Mono', 'SFMono-Regular', monospace;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }

a { color: inherit; }

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  margin: 0 0 0.5em;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); }
h2 { font-size: clamp(1.5rem, 2.6vw, 2.05rem); }
h3 { font-size: 1.2rem; }

p { margin: 0 0 1em; color: var(--ink-soft); }

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-dark);
  display: inline-flex;
  align-items: center;
  gap: 0.5em;
  margin-bottom: 0.9em;
}
.eyebrow::before {
  content: "";
  width: 18px;
  height: 1px;
  background: var(--brass-dark);
  display: inline-block;
}

.wrap {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 28px;
}
.wrap--narrow { max-width: 760px; }

/* ---------- nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(238,241,244,0.92);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}
.nav .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.brand {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.15rem;
  text-decoration: none;
  color: var(--ink);
  display: flex;
  align-items: center;
  gap: 10px;
}
.brand .mark {
  width: 30px; height: 30px;
  border: 1.5px solid var(--ink);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono);
  font-size: 0.62rem;
  letter-spacing: 0.02em;
}
.nav-links { display: flex; gap: 28px; font-size: 0.92rem; }
.nav-links a { text-decoration: none; color: var(--ink-soft); }
.nav-links a:hover { color: var(--ink); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-mono);
  font-size: 0.82rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  padding: 14px 22px;
  border-radius: var(--radius);
  text-decoration: none;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: #1c2f4f; }
.btn-secondary { background: transparent; border-color: var(--ink); color: var(--ink); }
.btn-secondary:hover { background: var(--ink); color: #fff; }
.btn-brass { background: var(--brass); color: #fff; }
.btn-brass:hover { background: var(--brass-dark); }
.btn-block { width: 100%; justify-content: center; }
.btn[disabled] { opacity: 0.55; cursor: not-allowed; transform: none; }

/* ---------- hero / route diagram ---------- */
.hero {
  padding: 84px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 860px) { .hero-grid { grid-template-columns: 1fr; } }

.hero h1 { margin-bottom: 0.55em; }
.hero .lede { font-size: 1.12rem; max-width: 46ch; }
.hero-ctas { display: flex; gap: 14px; margin-top: 30px; flex-wrap: wrap; }

.route {
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: 26px 22px 22px;
}
.route-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--needs-info);
  margin-bottom: 14px;
}
.route-step {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 14px;
  position: relative;
  padding-bottom: 26px;
}
.route-step:last-child { padding-bottom: 0; }
.route-step::before {
  content: "";
  position: absolute;
  left: 13px; top: 28px; bottom: 0;
  width: 1px;
  border-left: 1.5px dashed var(--line);
}
.route-step:last-child::before { display: none; }
.route-dot {
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--ink);
  background: var(--paper-alt);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono);
  font-size: 0.7rem;
  z-index: 1;
}
.route-step.is-final .route-dot { background: var(--strong); border-color: var(--strong); color: #fff; }
.route-step h4 { margin: 0 0 3px; font-family: var(--font-body); font-weight: 600; font-size: 0.95rem; }
.route-step span { font-size: 0.86rem; color: var(--ink-soft); }

/* ---------- sections ---------- */
.section { padding: 64px 0; }
.section-head { max-width: 620px; margin-bottom: 40px; }
.divider { height: 1px; background: var(--line); border: none; margin: 0; }

.path-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
}
@media (max-width: 720px) { .path-cards { grid-template-columns: 1fr; } }

.path-card {
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 28px;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
}
.path-card .tag {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--brass-dark);
  margin-bottom: 12px;
}
.path-card h3 { margin-bottom: 10px; }
.path-card p { flex-grow: 1; }
.path-card .btn { margin-top: 18px; align-self: flex-start; }

.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 6px;
}
@media (max-width: 720px) { .stat-row { grid-template-columns: 1fr; } }
.stat-box {
  border-top: 2px solid var(--ink);
  padding-top: 14px;
}
.stat-box .n { font-family: var(--font-display); font-size: 1.7rem; }
.stat-box .l { font-size: 0.86rem; color: var(--ink-soft); }

.factor-list { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 30px; margin-top: 6px; }
@media (max-width: 640px) { .factor-list { grid-template-columns: 1fr; } }
.factor-list li { list-style: none; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: 0.92rem; display: flex; justify-content: space-between; gap: 12px; }
.factor-list li b { font-family: var(--font-mono); font-weight: 500; font-size: 0.78rem; color: var(--needs-info); text-align: right; }

.disclaimer-box {
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-left: 3px solid var(--needs-info);
  border-radius: var(--radius);
  padding: 18px 20px;
  font-size: 0.86rem;
  color: var(--ink-soft);
}

/* ---------- footer ---------- */
.site-footer {
  border-top: 1px solid var(--line);
  padding: 34px 0;
  font-size: 0.82rem;
  color: var(--needs-info);
}
.site-footer .wrap { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }

/* ============================================================
   Forms
   ============================================================ */
.form-page { padding: 52px 0 90px; }
.form-head { margin-bottom: 36px; }
.progress-track {
  height: 2px; background: var(--line); position: relative; margin-bottom: 44px; border-radius: 2px; overflow: hidden;
}
.progress-fill { position: absolute; left: 0; top: 0; bottom: 0; width: 8%; background: var(--brass); transition: width 0.3s ease; }

fieldset {
  border: none;
  padding: 0;
  margin: 0 0 40px;
}
legend {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--brass-dark);
  padding: 0 0 14px;
  border-bottom: 1px solid var(--line);
  width: 100%;
  margin-bottom: 22px;
}

.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 24px; }
@media (max-width: 640px) { .field-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 7px; }
.field.span-2 { grid-column: span 2; }
@media (max-width: 640px) { .field.span-2 { grid-column: span 1; } }

label { font-size: 0.86rem; font-weight: 600; color: var(--ink); }
label .hint { font-weight: 400; color: var(--needs-info); font-size: 0.8rem; display: block; margin-top: 2px; }

input[type="text"], input[type="email"], input[type="tel"], input[type="number"],
select, textarea {
  font-family: var(--font-body);
  font-size: 0.95rem;
  padding: 12px 13px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper-alt);
  color: var(--ink);
  width: 100%;
}
textarea { min-height: 96px; resize: vertical; }
input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--brass);
  outline-offset: 1px;
  border-color: var(--brass);
}

.radio-row, .check-row { display: flex; flex-wrap: wrap; gap: 10px; }
.pill-option {
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 9px 16px;
  font-size: 0.87rem;
  cursor: pointer;
  background: var(--paper-alt);
  user-select: none;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.pill-option input { position: absolute; opacity: 0; pointer-events: none; }
.pill-option:has(input:checked) { border-color: var(--ink); background: var(--ink); color: #fff; }
.pill-option:has(input:focus-visible) { outline: 2px solid var(--brass); outline-offset: 2px; }

.field-note { font-size: 0.8rem; color: var(--needs-info); }

.form-actions { display: flex; justify-content: space-between; align-items: center; margin-top: 44px; gap: 16px; flex-wrap: wrap; }

.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

.submit-status { font-family: var(--font-mono); font-size: 0.82rem; color: var(--needs-info); margin-top: 14px; min-height: 1.2em; }
.submit-status.is-error { color: var(--difficult); }

/* ============================================================
   Result screen
   ============================================================ */
.result-page { padding: 56px 0 100px; }
.result-shell {
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  padding: 40px;
}
@media (max-width: 640px) { .result-shell { padding: 26px 22px; } }

.result-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; margin-bottom: 8px; }

.stamp {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border: 1.5px solid currentColor;
  border-radius: 30px;
  padding: 5px 14px;
  transform: rotate(-2deg);
  display: inline-block;
}

.category-badge {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  margin: 6px 0 4px;
}
.category-sub { font-family: var(--font-mono); font-size: 0.78rem; color: var(--needs-info); letter-spacing: 0.03em; }

.meter { display: flex; gap: 6px; margin: 22px 0 26px; }
.meter i { flex: 1; height: 8px; border-radius: 2px; background: var(--line); }
.meter i.on { background: currentColor; }

.summary-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; margin: 30px 0; }
@media (max-width: 700px) { .summary-grid { grid-template-columns: 1fr; } }
.summary-block h4 {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--needs-info);
  margin-bottom: 10px;
}
.summary-block ul { margin: 0; padding-left: 18px; }
.summary-block li { margin-bottom: 7px; font-size: 0.94rem; color: var(--ink-soft); }

.next-step-box {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin: 8px 0 26px;
}
.next-step-box h4 { font-family: var(--font-mono); font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--brass-dark); margin-bottom: 8px; }
.next-step-box p:last-child { margin-bottom: 0; }

.result-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }

.color-strong { color: var(--strong); }
.color-possible { color: var(--possible); }
.color-difficult { color: var(--difficult); }
.color-needs-info { color: var(--needs-info); }

.bg-strong { background: var(--strong); }
.bg-possible { background: var(--possible); }
.bg-difficult { background: var(--difficult); }
.bg-needs-info { background: var(--needs-info); }

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
}