/* ============================================================
   Clear Ridge Loans — theme
   Palette: deep oxblood / wine, crimson accent, warm gold,
   cream text. Display: Spectral (serif). Body: Inter.
   ============================================================ */

:root {
  --ink:      #1a0508;   /* near-black oxblood (page bg)      */
  --maroon:   #2b0a0f;   /* alt section bg                    */
  --wine:     #3c1119;   /* cards / raised surfaces           */
  --wine-2:   #4a151f;   /* card hover / borders              */
  --crimson:  #c01933;   /* primary accent                    */
  --ember:    #e64a3c;   /* bright accent (hover / glow)      */
  --gold:     #cf9d54;   /* warm secondary accent (sparingly) */
  --cream:    #f4ece2;   /* primary text                      */
  --rose:     #cda9a6;   /* muted warm text                   */
  --line:     rgba(244, 236, 226, 0.12);

  --font-display: "Spectral", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;

  --maxw: 1180px;
  --radius: 14px;
}

/* ---------- reset / base ---------- */
* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  background: var(--ink);
  color: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }

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

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

::selection { background: var(--crimson); color: #fff; }

:focus-visible {
  outline: 2px solid var(--ember);
  outline-offset: 3px;
}

/* ---------- shared type ---------- */
.eyebrow {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 1rem;
}

.section-title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(1.9rem, 4vw, 2.9rem);
  line-height: 1.1;
  letter-spacing: -0.01em;
  margin: 0 0 0.5rem;
  color: var(--cream);
}

.section-sub {
  color: var(--rose);
  font-size: 1.05rem;
  max-width: 46ch;
  margin: 0.75rem 0 0;
}

.section { padding: clamp(4.5rem, 9vw, 8rem) 0; }

.section-head { max-width: 640px; margin-bottom: 3.5rem; }

/* ---------- buttons ---------- */
.btn-primary,
.btn-ghost {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.98rem;
  padding: 0.85rem 1.7rem;
  border-radius: 999px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.18s ease, background 0.18s ease, color 0.18s ease, border-color 0.18s ease;
}

.btn-primary {
  background: var(--crimson);
  color: #fff;
  box-shadow: 0 10px 30px -12px rgba(192, 25, 51, 0.7);
}
.btn-primary:hover {
  background: var(--ember);
  transform: translateY(-2px);
}

.btn-ghost {
  background: transparent;
  color: var(--cream);
  border-color: var(--line);
  margin-left: 0.75rem;
}
.btn-ghost:hover {
  border-color: var(--gold);
  color: var(--gold);
}

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(26, 5, 8, 0.55);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent;
  transition: background 0.3s ease, border-color 0.3s ease;
}
.site-header.scrolled {
  background: rgba(26, 5, 8, 0.92);
  border-bottom-color: var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

/* brand / logo */
.brand { display: inline-flex; align-items: center; gap: 0.6rem; }
.brand-mark svg path { fill: none; stroke: var(--crimson); stroke-width: 2.4; stroke-linejoin: round; stroke-linecap: round; }
.brand-text { font-family: var(--font-display); line-height: 1; display: flex; flex-direction: column; }
.brand-text strong { font-weight: 600; font-size: 1.18rem; letter-spacing: -0.01em; color: var(--cream); }
.brand-text em {
  font-style: normal;
  font-family: var(--font-body);
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 2px;
}

/* nav */
.main-nav { display: flex; align-items: center; }
.nav-menu {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 2rem;
  margin: 0;
  padding: 0;
}
.nav-menu a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--rose);
  transition: color 0.18s ease;
}
.nav-menu a:hover { color: var(--cream); }

.nav-cta a {
  color: var(--cream);
  border: 1px solid var(--line);
  padding: 0.5rem 1.1rem;
  border-radius: 999px;
}
.nav-cta a:hover { border-color: var(--gold); color: var(--gold); }

/* hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle span {
  width: 24px; height: 2px;
  background: var(--cream);
  transition: transform 0.25s ease, opacity 0.25s ease;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  padding: clamp(5rem, 12vw, 9rem) 0 0;
  overflow: hidden;
  background:
    radial-gradient(120% 90% at 75% 0%, rgba(192, 25, 51, 0.20), transparent 55%),
    radial-gradient(90% 70% at 10% 20%, rgba(207, 157, 84, 0.08), transparent 60%),
    linear-gradient(180deg, var(--ink) 0%, var(--maroon) 100%);
}

/* faint topographic contour rings */
.hero-contours {
  position: absolute;
  inset: 0;
  background-image:
    repeating-radial-gradient(circle at 82% 8%, transparent 0 38px, rgba(244,236,226,0.04) 38px 39px);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 2;
  padding-bottom: clamp(7rem, 16vw, 12rem);
  max-width: 880px;
}

.hero-title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(2.6rem, 7vw, 5rem);
  line-height: 1.04;
  letter-spacing: -0.02em;
  margin: 0.5rem 0 1.5rem;
}
.hero-title .accent { color: var(--crimson); font-style: italic; }

.hero-lead {
  font-size: clamp(1.05rem, 2vw, 1.3rem);
  color: var(--rose);
  max-width: 56ch;
  margin: 0 0 2.25rem;
}

.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 0.25rem; }

/* signature ridge silhouette */
.hero-ridge {
  position: absolute;
  bottom: -1px; left: 0;
  width: 100%;
  height: clamp(120px, 18vw, 220px);
  z-index: 1;
}
.hero-ridge .ridge { stroke: none; }
.ridge-back  { fill: rgba(60, 17, 25, 0.6); }
.ridge-mid   { fill: rgba(43, 10, 15, 0.85); }
.ridge-front { fill: var(--ink); }

/* ============================================================
   ABOUT
   ============================================================ */
.about { background: var(--ink); }

.prose p {
  font-size: 1.08rem;
  color: var(--rose);
  margin: 0 0 1.25rem;
}
.prose p:first-child { color: var(--cream); }

.value-list {
  list-style: none;
  margin: 2.5rem 0 0;
  padding: 0;
  display: grid;
  gap: 1.5rem;
}
.value-list li {
  display: flex;
  gap: 1.25rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
}
.value-num {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--gold);
  min-width: 2rem;
}
.value-list h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  margin: 0 0 0.3rem;
  color: var(--cream);
}
.value-list p { margin: 0; color: var(--rose); font-size: 0.98rem; }

/* ============================================================
   SERVICES
   ============================================================ */
.services { background: var(--maroon); }

.service-card {
  position: relative;
  height: 100%;
  padding: 2.25rem 1.75rem 2rem;
  background: var(--wine);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: transform 0.22s ease, border-color 0.22s ease, background 0.22s ease;
}
.service-card::before {
  content: "";
  position: absolute;
  left: 0; top: 0;
  width: 3px; height: 0;
  background: var(--crimson);
  transition: height 0.3s ease;
}
.service-card:hover {
  transform: translateY(-4px);
  border-color: var(--wine-2);
  background: var(--wine-2);
}
.service-card:hover::before { height: 100%; }

.card-index {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--gold);
}
.service-card h3 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 600;
  margin: 0.5rem 0 0.6rem;
  color: var(--cream);
}
.service-card p { margin: 0; color: var(--rose); font-size: 0.98rem; }

/* industries strip */
.industries {
  margin-top: 4rem;
  padding-top: 2.5rem;
  border-top: 1px solid var(--line);
}
.industries-title {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 1.25rem;
}
.industry-tags {
  list-style: none;
  margin: 0; padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}
.industry-tags li {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--cream);
  padding: 0.5rem 1.15rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  transition: border-color 0.2s ease, color 0.2s ease;
}
.industry-tags li:hover { border-color: var(--gold); color: var(--gold); }

/* ============================================================
   FAQ
   ============================================================ */
.faq { background: var(--ink); }

.accordion { --bs-accordion-bg: transparent; }
.faq .accordion-item {
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--line);
}
.faq .accordion-header { margin: 0; }
.faq .accordion-button {
  background: transparent;
  color: var(--cream);
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 500;
  padding: 1.4rem 0;
  box-shadow: none;
}
.faq .accordion-button:not(.collapsed) {
  background: transparent;
  color: var(--crimson);
  box-shadow: none;
}
.faq .accordion-button:focus {
  box-shadow: none;
  border-color: transparent;
}
.faq .accordion-button::after {
  width: 1.1rem; height: 1.1rem;
  background-size: 1.1rem;
  /* gold chevron */
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%23cf9d54'%3e%3cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2.5' d='M19 9l-7 7-7-7'/%3e%3c/svg%3e");
}
.faq .accordion-body {
  padding: 0 0 1.5rem;
  color: var(--rose);
  font-size: 1.02rem;
  max-width: 60ch;
}

/* ============================================================
   CONTACT
   ============================================================ */
.contact { background: var(--maroon); }

.contact-details {
  list-style: none;
  margin: 2.5rem 0 0;
  padding: 0;
  display: grid;
  gap: 1.75rem;
}
.contact-details li { display: grid; gap: 0.35rem; }
.contact-label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
}
.contact-value { font-size: 1.05rem; color: var(--cream); line-height: 1.5; }
.contact-value a { color: var(--cream); border-bottom: 1px solid var(--crimson); transition: color 0.18s ease; }
.contact-value a:hover { color: var(--ember); }

/* form */
.contact-form {
  background: var(--wine);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2rem;
}
.contact-form label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--rose);
  margin-bottom: 0.4rem;
}
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  background: var(--ink);
  border: 1px solid var(--line);
  border-radius: 10px;
  color: var(--cream);
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 0.8rem 0.95rem;
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}
.contact-form input::placeholder,
.contact-form textarea::placeholder { color: rgba(205, 169, 166, 0.5); }
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--crimson);
  box-shadow: 0 0 0 3px rgba(192, 25, 51, 0.18);
}
.contact-form select { appearance: none; cursor: pointer; }
.contact-form textarea { resize: vertical; }
.contact-form .btn-primary { border: 0; }

.form-note {
  margin: 1rem 0 0;
  font-size: 0.92rem;
  color: var(--gold);
  min-height: 1.2em;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--ink);
  border-top: 1px solid var(--line);
  padding: 4rem 0 2rem;
}
.footer-top {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 2.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--line);
}
.footer-brand { max-width: 320px; }
.footer-tag { margin: 1.1rem 0 0; color: var(--rose); font-size: 0.98rem; }

.footer-nav { display: flex; gap: 4rem; flex-wrap: wrap; }
.footer-nav h4 {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 1rem;
}
.footer-nav ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.6rem; }
.footer-nav a { color: var(--rose); font-size: 0.96rem; transition: color 0.18s ease; }
.footer-nav a:hover { color: var(--cream); }
.footer-address { color: var(--rose); font-size: 0.96rem; line-height: 1.5; }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 0.75rem;
  padding-top: 1.75rem;
}
.copyright { margin: 0; color: var(--cream); font-size: 0.9rem; }
.footer-disclaimer { margin: 0; color: rgba(205, 169, 166, 0.6); font-size: 0.82rem; max-width: 48ch; }

/* ============================================================
   REVEAL ANIMATION
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.in { opacity: 1; transform: none; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 860px) {
  .nav-toggle { display: flex; z-index: 60; }

  .nav-menu {
    position: fixed;
    inset: 76px 0 auto 0;
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    background: var(--maroon);
    border-bottom: 1px solid var(--line);
    padding: 1rem 24px 1.5rem;
    transform: translateY(-130%);
    transition: transform 0.3s ease;
  }
  .nav-menu.open { transform: translateY(0); }
  .nav-menu li { width: 100%; }
  .nav-menu a { display: block; padding: 0.9rem 0; font-size: 1.05rem; }
  .nav-cta a { display: inline-block; margin-top: 0.5rem; }

  .btn-ghost { margin-left: 0; margin-top: 0.5rem; }
  .hero-actions { gap: 0.75rem; }
  .footer-top { flex-direction: column; }
  .footer-nav { gap: 2.5rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}