/* =========================================================
   Affinity Asset Finance — Shared Stylesheet
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,400;0,500;0,600;0,700;0,800;1,500&display=swap');

:root{
  /* Colour tokens (sampled directly from the Affinity Asset Finance logo) */
  --bg:              #ffffff;
  --ink:             #0b2029;   /* primary text / headings — brand navy-black */
  --ink-soft:        #4b4f56;   /* body copy */
  --heading-muted:   #a6a6a6;   /* light grey display headings */
  --copper:          #ae5c2a;   /* readable accent for labels/links — darkened from logo peach for contrast */
  --copper-soft:     #c17a45;
  --peach:           #fcbd8a;   /* exact logo peach — decorative fills only, not text (low contrast on white) */
  --peach-dark:      #f5a066;
  --navy:            #071e25;   /* exact logo navy — badges, dark fills */
  --line:            #e4e4e4;   /* hairline dividers */
  --line-soft:       #ececec;
  --card-bg:         #ffffff;
  --faq-bg:          #f6f6f4;

  --radius-pill:     999px;
  --radius-lg:       28px;
  --radius-md:       20px;
  --radius-sm:       14px;

  --font-head: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;

  --container: 1160px;
  --gutter: 24px;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; overflow-x: hidden; }
body{
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
  overflow-x: hidden;
  width: 100%;
}
img{ max-width: 100%; display: block; }
a{ color: inherit; text-decoration: none; }
ul{ margin: 0; padding: 0; list-style: none; }
button{ font-family: inherit; cursor: pointer; }

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

.container{
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* ---------------------------------------------------------
   Type scale
   --------------------------------------------------------- */
h1, h2, h3, h4{
  font-family: var(--font-head);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin: 0;
  color: var(--ink);
}
h1{ font-size: clamp(2.4rem, 4.2vw, 3.4rem); }
h2{ font-size: clamp(1.9rem, 3vw, 2.5rem); font-weight: 700; }
h3{ font-size: 1.25rem; font-weight: 700; }
p{ margin: 0; color: var(--ink-soft); }

.eyebrow{
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 14px;
}

.section-heading{
  text-align: center;
  color: var(--heading-muted);
  font-weight: 600;
  max-width: 640px;
  margin: 0 auto;
}
.section-heading-wrap{
  text-align: center;
  margin-bottom: 56px;
}

/* ---------------------------------------------------------
   Buttons
   --------------------------------------------------------- */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-align: center;
  border-radius: var(--radius-pill);
  padding: 16px 30px;
  border: 1.5px solid var(--ink);
  background: var(--bg);
  color: var(--ink);
  transition: background 0.2s ease, color 0.2s ease, transform 0.15s ease;
  white-space: nowrap;
}
.btn:hover{ background: var(--ink); color: #fff; transform: translateY(-1px); }

.btn-dark{
  background: var(--navy);
  color: #fff;
}
.btn-dark:hover{ background: #000; }

.btn-ghost{
  border-color: #d8d8d8;
  color: #9a9a9a;
  cursor: default;
}
.btn-ghost:hover{ background: var(--bg); color: #9a9a9a; transform: none; }

.btn-row{
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

/* ---------------------------------------------------------
   Header / Nav
   --------------------------------------------------------- */
.site-header{
  padding: 22px var(--gutter) 0;
  position: relative;
  z-index: 50;
}
.header-inner{
  max-width: var(--container);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.brand{
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.brand-logo{
  height: 42px;
  width: auto;
  display: block;
}

.navbar{
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-pill);
  padding: 10px 10px 10px 28px;
  background: var(--bg);
}
.nav-links{
  display: flex;
  align-items: center;
  gap: 30px;
}
.nav-links a{
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink);
  transition: color 0.15s ease;
}
.nav-links a:hover{ color: var(--copper); }
.nav-links a.active{ font-weight: 700; }

.nav-actions{
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-cta{
  border-radius: var(--radius-pill);
  border: 1.5px solid var(--ink);
  padding: 12px 22px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-align: center;
  line-height: 1.25;
  transition: background 0.2s ease, color 0.2s ease;
}
.nav-cta:hover{ background: var(--ink); color: #fff; }
.nav-phone{
  border-radius: 50%;
  border: 1.5px solid var(--ink);
  width: 78px;
  height: 78px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  font-size: 0.68rem;
  font-weight: 700;
  color: #b7b7b7;
  line-height: 1.3;
  flex-shrink: 0;
}

.nav-toggle{
  display: none;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 1.5px solid var(--ink);
  background: var(--bg);
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.nav-toggle svg{ width: 18px; height: 18px; }

.mobile-menu{ display: none; }

.header-inner{ position: relative; }

/* ---------------------------------------------------------
   Sections / spacing rhythm
   --------------------------------------------------------- */
.section{ padding: 96px 0; }
.section-tight{ padding: 64px 0; }
.section-top-only{ padding: 96px 0 0; }
hr.divider{
  border: none;
  border-top: 1px solid var(--line);
  margin: 0;
}

/* ---------------------------------------------------------
   Hero
   --------------------------------------------------------- */
.hero{
  padding: 72px 0 64px;
}
.hero-grid{
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}
.hero-grid.reverse{ grid-template-columns: 0.95fr 1.05fr; }
.hero-grid.reverse .hero-media{ order: -1; }

.hero-copy p.lead{
  margin-top: 22px;
  font-size: 1.05rem;
  max-width: 480px;
}
.hero-copy .btn{ margin-top: 30px; }

.hero-media{
  position: relative;
}
.hero-media .media-fill{
  border-radius: var(--radius-lg);
  aspect-ratio: 4 / 3.1;
}
.hero-media .accent-arc{
  position: absolute;
  inset: -18px auto auto -18px;
  width: 60%;
  height: 60%;
  pointer-events: none;
}

/* Generic photo placeholder — swap these for real photography before launch */
.media-fill{
  border: 1.5px solid var(--ink);
  width: 100%;
  height: 100%;
  object-fit: cover;
  background:
    linear-gradient(135deg, rgba(205,242,74,0.18), rgba(23,36,47,0.06)),
    repeating-linear-gradient(45deg, #f2f2ee 0 12px, #ebebe6 12px 24px);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 20px;
}
.media-fill span{
  font-size: 0.78rem;
  font-weight: 600;
  color: #9a9d93;
  max-width: 220px;
  line-height: 1.4;
}

.finder-label{
  margin-top: 36px;
  font-weight: 600;
  font-size: 1rem;
}
.finder-cards{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 18px;
  max-width: 460px;
}
.finder-card{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-md);
  padding: 20px 16px;
  text-align: left;
}
.finder-card .icon-badge{ margin-bottom: 34px; }
.finder-card span{ font-weight: 600; font-size: 0.92rem; display: block; }

.icon-badge{
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--copper);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
}
.icon-badge svg{ width: 20px; height: 20px; }

/* ---------------------------------------------------------
   Logo strip
   --------------------------------------------------------- */
.logo-strip{
  padding: 44px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.logo-strip-inner{
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 44px;
  opacity: 0.55;
}
.logo-strip-inner span{
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink-soft);
  letter-spacing: -0.01em;
}
.logo-strip-note{
  text-align: center;
  font-size: 0.78rem;
  color: #b6b6b6;
  margin-top: 14px;
}

/* ---------------------------------------------------------
   Process steps
   --------------------------------------------------------- */
.process-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.process-grid.cols-4{ grid-template-columns: repeat(4, 1fr); }

.process-step{ text-align: center; }
.process-media{
  width: 128px;
  height: 128px;
  border-radius: 50%;
  border: 2px solid var(--peach);
  padding: 6px;
  margin: 0 auto 26px;
  position: relative;
}
.process-media .media-fill{
  width: 100%;
  height: 100%;
  border-radius: 50%;
}
.process-media .media-fill span{ font-size: 0.68rem; }
.process-step h3{ margin-bottom: 10px; }
.process-step p{ font-size: 0.94rem; max-width: 230px; margin: 0 auto; }

/* ---------------------------------------------------------
   Two-column feature blocks (image + text, alternating)
   --------------------------------------------------------- */
.feature-block{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.feature-block + .feature-block{ margin-top: 96px; }
.feature-block.reverse .feature-media{ order: 2; }
.feature-block.reverse .feature-copy{ order: 1; }

.feature-media{ position: relative; }
.feature-media .media-fill{
  border-radius: var(--radius-lg);
  aspect-ratio: 4/3.4;
}
.feature-media .accent-blob{
  position: absolute;
  bottom: -14px;
  left: -14px;
  width: 46%;
  height: 46%;
  background: var(--peach);
  border-radius: 0 100% 0 0;
  z-index: -1;
}
.feature-rule{
  border: none;
  border-top: 3px solid var(--ink);
  width: 100%;
  max-width: 340px;
  margin: 0;
}

.feature-copy h2{ margin-bottom: 18px; }
.feature-copy p{ font-size: 1rem; max-width: 460px; }

/* Stats */
.stats-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px 48px;
  margin: 40px 0 34px;
  max-width: 460px;
}
.stat .stat-number{
  font-family: var(--font-head);
  font-weight: 400;
  font-size: 2.6rem;
  letter-spacing: -0.02em;
}
.stat p{ margin-top: 6px; font-size: 0.9rem; }
.stat hr{ margin-top: 16px; border-top: 1px solid var(--ink); }

/* ---------------------------------------------------------
   Value cards (hard-shadow style)
   --------------------------------------------------------- */
.value-heading{ margin-bottom: 44px; }
.value-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.value-card{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-md);
  padding: 30px 26px 34px;
  box-shadow: 0 6px 0 var(--ink);
  background: var(--bg);
}
.value-card .icon-emoji{
  width: 52px;
  height: 52px;
  margin-bottom: 22px;
}
.value-card h3{ margin-bottom: 10px; }
.value-card p{ font-size: 0.94rem; }

/* ---------------------------------------------------------
   Testimonials
   --------------------------------------------------------- */
.testimonial-heading{ text-align: center; margin-bottom: 48px; }
.testimonial-grid{
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.testimonial-grid.cols-3{ grid-template-columns: repeat(3, 1fr); }
@media (max-width: 860px){
  .testimonial-grid.cols-3{ grid-template-columns: 1fr 1fr; }
}
.testimonial-grid{ align-items: start; }
.testimonial-card{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-md);
  padding: 30px 28px;
}
.testimonial-card p{ font-size: 1.02rem; color: var(--ink); font-weight: 500; }
.testimonial-card .author{
  margin-top: 20px;
  font-size: 0.88rem;
  color: var(--ink-soft);
  font-weight: 500;
}

.testimonial-card .review-text{
  display: -webkit-box;
  -webkit-line-clamp: 5;
  -webkit-box-orient: vertical;
  overflow: hidden;
  white-space: pre-line;
}
.testimonial-toggle{
  display: inline-block;
  margin-top: 14px;
  background: none;
  border: none;
  padding: 0;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--copper);
  cursor: pointer;
}
.testimonial-toggle:hover{ color: var(--copper-soft); }

/* Full review modal */
.modal-card-review{
  max-width: 580px;
  text-align: left;
  padding: 48px 44px 40px;
  max-height: 80vh;
  overflow-y: auto;
}
.modal-card-review .review-modal-text{
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--ink);
  white-space: pre-line;
  margin: 0 0 22px;
}
.modal-card-review .review-modal-author{
  font-size: 0.9rem;
  color: var(--ink-soft);
  font-weight: 600;
  margin: 0;
}

/* ---------------------------------------------------------
   Calculator (functional add-on for the sub pages)
   --------------------------------------------------------- */
.calculator{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  margin-top: 44px;
}
.calc-field{ margin-bottom: 20px; }
.calc-field label{
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--ink-soft);
}
.calc-field input, .calc-field select{
  width: 100%;
  border: 1.5px solid #d8d8d8;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--bg);
}
.calc-field input:focus, .calc-field select:focus{ border-color: var(--ink); outline: none; }
.calc-result{
  background: var(--faq-bg);
  border-radius: var(--radius-md);
  padding: 32px;
  text-align: center;
}
.calc-result .amount{
  font-family: var(--font-head);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--ink);
}
.calc-result .amount span{ font-size: 1.1rem; font-weight: 600; color: var(--ink-soft); }
.calc-result p{ margin-top: 8px; font-size: 0.85rem; }
.calc-disclaimer{ font-size: 0.75rem; color: #a3a3a3; margin-top: 18px; }

/* ---------------------------------------------------------
   FAQ
   --------------------------------------------------------- */
.faq-section{
  background: var(--faq-bg);
  border-radius: 32px;
  padding: 64px;
}
.faq-section h2{ margin-bottom: 30px; }
.faq-item{
  border-bottom: 1px solid #ddddd8;
}
.faq-question{
  width: 100%;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
  text-align: left;
  font-family: var(--font-head);
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--ink);
}
.faq-question .chev{
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  transition: transform 0.25s ease;
}
.faq-item.open .faq-question .chev{ transform: rotate(180deg); }
.faq-answer{
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-answer-inner{
  padding-bottom: 24px;
  font-size: 0.95rem;
  max-width: 760px;
}

/* ---------------------------------------------------------
   CTA banner
   --------------------------------------------------------- */
.cta-banner{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-lg);
  padding: 64px 40px;
  text-align: center;
}
.cta-banner h2{ margin-bottom: 16px; }
.cta-banner p{ max-width: 560px; margin: 0 auto 32px; }
.cta-banner .btn-row{ justify-content: center; }

/* ---------------------------------------------------------
   Forms (general + finance-specific enquiry forms)
   --------------------------------------------------------- */
.form-card{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.form-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4px 20px;
}
.form-field{ margin-bottom: 20px; }
.form-field-full{ grid-column: 1 / -1; }
.form-field label{
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--ink-soft);
}
.form-field input,
.form-field select,
.form-field textarea{
  width: 100%;
  border: 1.5px solid #d8d8d8;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--bg);
}
.form-field textarea{ resize: vertical; min-height: 120px; }
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus{ border-color: var(--ink); outline: none; }

.form-submit{ width: 100%; margin-top: 8px; }

/* Honeypot field — present for bots, hidden from real visitors */
.hp-field{
  position: absolute;
  left: -9999px;
  top: -9999px;
}

@media (max-width: 620px){
  .form-grid{ grid-template-columns: 1fr; }
  .form-card{ padding: 28px 22px; }
}

/* ---------------------------------------------------------
   Success modal (shown after a form submits)
   --------------------------------------------------------- */
.modal-overlay{
  position: fixed;
  inset: 0;
  background: rgba(23, 36, 47, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease;
  z-index: 200;
}
.modal-overlay.open{ opacity: 1; pointer-events: auto; }
.modal-card{
  background: #fff;
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-lg);
  padding: 48px 40px 40px;
  max-width: 440px;
  width: 100%;
  text-align: center;
  position: relative;
  transform: translateY(14px);
  transition: transform 0.25s ease;
}
.modal-overlay.open .modal-card{ transform: translateY(0); }
.modal-close{
  position: absolute;
  top: 16px;
  right: 16px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1.5px solid var(--line);
  background: #fff;
  font-size: 1.3rem;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ink-soft);
}
.modal-close:hover{ background: var(--faq-bg); }
.modal-icon{
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--peach);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--navy);
}
.modal-icon svg{ width: 26px; height: 26px; }
#success-modal-message{
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--ink);
  margin: 0 0 26px;
  line-height: 1.4;
}

/* ---------------------------------------------------------
   Legal / long-form content pages (Privacy, Terms, Credit Guide)
   --------------------------------------------------------- */
.legal-wrap{ max-width: 780px; margin: 0 auto; }
.legal-meta{
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin-top: 8px;
}
.legal-quicknav{
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 28px 0 8px;
}
.legal-quicknav a{
  border: 1.5px solid var(--ink);
  border-radius: var(--radius-pill);
  padding: 9px 18px;
  font-size: 0.82rem;
  font-weight: 600;
}
.legal-quicknav a:hover{ background: var(--ink); color: #fff; }

.legal-section{ padding: 48px 0; border-top: 1px solid var(--line); }
.legal-section:first-of-type{ border-top: none; }
.legal-section h2{ margin-bottom: 6px; }
.legal-section .legal-section-intro{ margin-bottom: 28px; }
.legal-block{ margin-top: 32px; }
.legal-block h3{ margin-bottom: 12px; }
.legal-block p + p{ margin-top: 14px; }
.legal-block p{ font-size: 0.98rem; }
.legal-block ul{
  margin-top: 14px;
  padding-left: 20px;
  list-style: disc;
}
.legal-block ul li{
  font-size: 0.98rem;
  color: var(--ink-soft);
  margin-bottom: 10px;
  line-height: 1.55;
}
.legal-block ul li::marker{ color: var(--copper); }

.legal-note{
  background: var(--faq-bg);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  font-size: 0.9rem;
  color: var(--ink-soft);
  margin-top: 20px;
}

.legal-table-wrap{ overflow-x: auto; margin-top: 18px; }
.legal-table{
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.legal-table th, .legal-table td{
  text-align: left;
  padding: 12px 16px;
  border-bottom: 1px solid var(--line);
}
.legal-table th{
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--ink);
  background: var(--faq-bg);
}
.legal-table td{ color: var(--ink-soft); }
.legal-table td a{ color: var(--ink); font-weight: 500; }
.legal-table td a:hover{ color: var(--copper); }

.provider-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 32px;
  margin-top: 18px;
}
.provider-grid a{
  display: block;
  padding: 10px 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 0.92rem;
  color: var(--ink-soft);
}
.provider-grid a:hover{ color: var(--copper); }

@media (max-width: 620px){
  .provider-grid{ grid-template-columns: 1fr; }
}

/* ---------------------------------------------------------
   Lender marquee (accreditation carousel)
   --------------------------------------------------------- */
.lender-marquee-section{
  padding: 64px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.lender-marquee-heading{
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.lender-marquee{
  overflow: hidden;
  position: relative;
  margin-top: 36px;
  -webkit-mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
  mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
}
.lender-track{
  display: flex;
  align-items: center;
  gap: 52px;
  width: max-content;
  animation: lender-scroll 50s linear infinite;
}
.lender-marquee:hover .lender-track{ animation-play-state: paused; }
.lender-item{
  display: flex;
  align-items: center;
  justify-content: center;
  height: 40px;
  flex-shrink: 0;
}
.lender-item span{
  font-weight: 700;
  font-size: 0.98rem;
  color: var(--ink-soft);
  white-space: nowrap;
  opacity: 0.7;
}
.lender-item img{
  height: 34px;
  width: auto;
  max-width: 140px;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.75;
  transition: opacity 0.2s ease, filter 0.2s ease;
}
.lender-item img:hover{ filter: grayscale(0%); opacity: 1; }

@keyframes lender-scroll{
  from{ transform: translateX(0); }
  to{ transform: translateX(-50%); }
}

@media (prefers-reduced-motion: reduce){
  .lender-track{ animation: none; }
}

@media (max-width: 620px){
  .lender-track{ gap: 34px; animation-duration: 95s; }
  .lender-item span{ font-size: 0.85rem; }
  .lender-item img{ height: 26px; }
}

/* ---------------------------------------------------------
   Footer
   --------------------------------------------------------- */
.site-footer{ padding: 80px 0 40px; }
.footer-top{
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 32px;
  padding-bottom: 48px;
}
.footer-col h4{
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 18px;
}
.footer-col ul li{ margin-bottom: 12px; }
.footer-col ul li a{ font-size: 0.92rem; color: var(--ink); }
.footer-col ul li a:hover{ color: var(--copper); }
.footer-brand p{ margin-top: 14px; font-size: 0.88rem; max-width: 240px; }
.footer-bottom{
  border-top: 1px solid var(--line);
  padding-top: 28px;
  text-align: center;
  font-size: 0.85rem;
  color: var(--ink-soft);
}

/* ---------------------------------------------------------
   Responsive
   --------------------------------------------------------- */
@media (max-width: 980px){
  .hero-grid, .feature-block, .calculator{ grid-template-columns: 1fr; }
  .hero-grid.reverse .hero-media{ order: 0; }
  .feature-block.reverse .feature-media, .feature-block.reverse .feature-copy{ order: 0; }
  .feature-block + .feature-block{ margin-top: 64px; }
  .process-grid, .process-grid.cols-4{ grid-template-columns: repeat(2, 1fr); row-gap: 44px; }
  .value-grid, .testimonial-grid{ grid-template-columns: 1fr; }
  .footer-top{ grid-template-columns: 1fr 1fr; }
  .faq-section{ padding: 40px 24px; }
}

@media (max-width: 760px){
  .navbar{ display: none; }
  .nav-toggle{ display: flex; }
  .header-inner{ position: relative; }
  .brand-logo{ height: 32px; }
  .mobile-menu{
    display: none;
    position: absolute;
    top: 60px;
    left: 0;
    right: 0;
    background: var(--bg);
    border: 1.5px solid var(--ink);
    border-radius: 22px;
    padding: 22px;
    z-index: 60;
  }
  .mobile-menu.open{ display: block; }
  .mobile-menu a{
    display: block;
    padding: 12px 0;
    font-weight: 500;
    border-bottom: 1px solid var(--line-soft);
  }
  .mobile-menu .btn-row{ margin-top: 16px; flex-direction: column; align-items: stretch; }

  .section{ padding: 64px 0; }
  h1{ font-size: 2.2rem; }
  .finder-cards{ grid-template-columns: 1fr 1fr; max-width: none; }
  .process-grid, .process-grid.cols-4{ grid-template-columns: 1fr; }
  .stats-grid{ grid-template-columns: 1fr 1fr; max-width: none; }
  .footer-top{ grid-template-columns: 1fr; }
  .logo-strip-inner{ gap: 26px; }
}