/* Patriot Lending — shared design system
   Private-bank / premium mortgage broker aesthetic.
   Sand · ink · copper. Distinct from Mesa desert-investor. */

:root {
  --sand: #f4efe6;
  --sand-2: #ebe3d6;
  --sand-3: #e0d6c6;
  --ink: #1a1714;
  --ink-soft: #2e2924;
  --quiet: #6b635a;
  --quiet-2: #8a8176;
  --line: #d9cfc0;
  --line-soft: #e8e0d3;
  --panel: #faf7f1;
  --panel-raised: #ffffff;
  --copper: #9a6b3f;
  --copper-deep: #7a5230;
  --copper-glow: #c4925a;
  --verify: #3d5c4a;
  --verify-soft: #e8f0eb;
  --danger: #8b3a2f;
  --serif: "Cormorant Garamond", "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
  --sans: "Outfit", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  --r: 2px;
  --r-lg: 10px;
  --shadow: 0 1px 0 rgba(26, 23, 20, 0.04), 0 12px 40px rgba(26, 23, 20, 0.06);
  --max: 72rem;
  --prose: 38rem;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --sand: #12100e;
    --sand-2: #1a1714;
    --sand-3: #242019;
    --ink: #f3eee6;
    --ink-soft: #e4ddd2;
    --quiet: #a89f92;
    --quiet-2: #8a8176;
    --line: #3a342c;
    --line-soft: #2a251f;
    --panel: #1a1714;
    --panel-raised: #221e19;
    --copper: #c4925a;
    --copper-deep: #d4a874;
    --copper-glow: #e0b888;
    --verify: #7eb894;
    --verify-soft: #1a2a22;
    --danger: #e08272;
    --shadow: 0 1px 0 rgba(0, 0, 0, 0.2), 0 16px 48px rgba(0, 0, 0, 0.35);
  }
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  margin: 0;
  background: var(--sand);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 400;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }
a { color: var(--copper-deep); text-underline-offset: 0.2em; }
a:hover { color: var(--copper); }

.wrap {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 clamp(1.15rem, 4vw, 2.75rem);
}

.skip {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: var(--sand);
  padding: 0.6rem 1rem;
  z-index: 100;
}
.skip:focus { left: 1rem; top: 1rem; }

.eyebrow {
  margin: 0;
  font-family: var(--sans);
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
}

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.12;
  text-wrap: balance;
  color: var(--ink);
}

h1 { font-size: clamp(2.4rem, 5.5vw, 3.85rem); margin: 0.55rem 0 0; font-weight: 500; }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.45rem); margin: 0.5rem 0 0; }
h3 { font-size: clamp(1.25rem, 2vw, 1.45rem); margin: 0.4rem 0 0; font-weight: 500; }

.lede {
  margin: 1rem 0 0;
  max-width: 36rem;
  color: var(--quiet);
  font-size: clamp(1.02rem, 1.4vw, 1.12rem);
  line-height: 1.65;
}

/* ——— Header ——— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: color-mix(in srgb, var(--sand) 92%, transparent);
  backdrop-filter: blur(12px) saturate(1.2);
  -webkit-backdrop-filter: blur(12px) saturate(1.2);
  border-bottom: 1px solid var(--line-soft);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  min-height: 4rem;
}
.brand {
  display: inline-flex;
  align-items: baseline;
  gap: 0.15rem;
  font-family: var(--serif);
  font-size: 1.35rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--ink);
  text-decoration: none;
  white-space: nowrap;
}
.brand em {
  font-style: normal;
  color: var(--copper);
  font-weight: 500;
}
.nav-main {
  display: flex;
  gap: 1.35rem;
  margin-left: 1.5rem;
}
.nav-main a {
  color: var(--ink-soft);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 500;
}
.nav-main a:hover { color: var(--copper); }
.nav-right {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 0.85rem;
}
.nav-tel {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 560;
  letter-spacing: 0.01em;
}
.nav-tel:hover { color: var(--copper); }

@media (max-width: 900px) { .nav-main { display: none; } }
@media (max-width: 560px) { .nav-tel { display: none; } }

/* ——— Buttons ——— */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  padding: 0.85rem 1.45rem;
  border: 1px solid transparent;
  border-radius: var(--r);
  font-family: var(--sans);
  font-size: 0.92rem;
  font-weight: 560;
  letter-spacing: 0.01em;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.18s ease, border-color 0.18s ease, color 0.18s ease, transform 0.18s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--ink);
  color: var(--sand);
  border-color: var(--ink);
}
.btn-primary:hover {
  background: var(--copper-deep);
  border-color: var(--copper-deep);
  color: #fff;
}
.btn-copper {
  background: var(--copper);
  color: #fff;
  border-color: var(--copper);
}
.btn-copper:hover {
  background: var(--copper-deep);
  border-color: var(--copper-deep);
  color: #fff;
}
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover {
  border-color: var(--copper);
  color: var(--copper-deep);
}
.btn:disabled { opacity: 0.45; cursor: default; transform: none; }

/* ——— Hero ——— */
.hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: clamp(2.5rem, 6vw, 4.5rem) 0 clamp(1.75rem, 3vw, 2.5rem);
}
.hero-media {
  position: absolute;
  inset: 0;
  z-index: -2;
  background-image: image-set(url("/hero-sm.jpg") 1x, url("/hero.jpg") 2x);
  background-size: cover;
  background-position: 72% 48%;
  opacity: 0.55;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(105deg,
      var(--sand) 0%,
      var(--sand) 38%,
      color-mix(in srgb, var(--sand) 78%, transparent) 58%,
      color-mix(in srgb, var(--sand) 25%, transparent) 78%,
      transparent 100%);
}
@media (max-width: 820px) {
  .hero-media { background-position: 64% 42%; opacity: 0.35; }
  .hero::after {
    background: linear-gradient(180deg,
      color-mix(in srgb, var(--sand) 94%, transparent) 0%,
      color-mix(in srgb, var(--sand) 88%, transparent) 55%,
      var(--sand) 100%);
  }
}
.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-top: 1.75rem;
}

/* ——— Trust strip ——— */
.trust {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  margin-top: clamp(2rem, 4vw, 2.75rem);
}
.trust > div {
  background: var(--panel);
  padding: 1.1rem clamp(0.85rem, 2vw, 1.35rem);
}
.trust dt {
  margin: 0;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--quiet-2);
}
.trust dd {
  margin: 0.35rem 0 0;
  font-family: var(--serif);
  font-size: 1.05rem;
  font-weight: 560;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.trust dd.v { color: var(--verify); }
@media (max-width: 800px) {
  .trust { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 420px) {
  .trust { grid-template-columns: 1fr; }
}

/* ——— Sections ——— */
.section { padding: clamp(2.75rem, 5.5vw, 4.5rem) 0; }
.section-tight { padding: clamp(2rem, 4vw, 3rem) 0; }
.head { max-width: 40rem; }
.head p {
  margin: 0.75rem 0 0;
  color: var(--quiet);
}

.rule {
  height: 1px;
  background: var(--line);
  border: 0;
  margin: 0;
}

/* Product grid */
.lanes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  margin-top: 2rem;
}
.lane {
  background: var(--panel);
  padding: clamp(1.35rem, 2.5vw, 1.85rem);
  display: flex;
  flex-direction: column;
}
.lane h3 { margin-top: 0.55rem; }
.lane p {
  margin: 0.55rem 0 0;
  color: var(--quiet);
  font-size: 0.93rem;
  flex: 1;
}
.lane ul {
  list-style: none;
  margin: 0.9rem 0 1.1rem;
  padding: 0;
  color: var(--quiet);
  font-size: 0.86rem;
}
.lane li {
  position: relative;
  padding: 0.22rem 0 0.22rem 0.95rem;
}
.lane li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72rem;
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--copper);
}
.lane .more {
  margin-top: auto;
  font-size: 0.86rem;
  font-weight: 560;
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px solid var(--copper);
  align-self: flex-start;
  padding-bottom: 1px;
}
.lane .more:hover { color: var(--copper-deep); }
@media (max-width: 900px) {
  .lanes { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .lanes { grid-template-columns: 1fr; }
}

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(1.25rem, 3vw, 2rem);
  margin-top: 2rem;
  counter-reset: step;
}
.step {
  border-top: 1px solid var(--ink);
  padding-top: 1rem;
  counter-increment: step;
}
.step::before {
  content: "0" counter(step);
  font-family: var(--serif);
  font-size: 0.85rem;
  font-weight: 560;
  letter-spacing: 0.08em;
  color: var(--copper);
}
.step h3 { margin-top: 0.55rem; font-size: 1.15rem; }
.step p {
  margin: 0.45rem 0 0;
  color: var(--quiet);
  font-size: 0.92rem;
}
@media (max-width: 900px) {
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .steps { grid-template-columns: 1fr; }
}

/* FAQ */
.faq {
  margin-top: 1.5rem;
  max-width: 46rem;
  border-top: 1px solid var(--line);
}
.faq details {
  border-bottom: 1px solid var(--line);
  padding: 0.15rem 0;
}
.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 1.05rem 1.5rem 1.05rem 0;
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 500;
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--sans);
  font-size: 1.1rem;
  color: var(--copper);
  font-weight: 400;
}
.faq details[open] summary::after { content: "–"; }
.faq details p {
  margin: 0 0 1.15rem;
  color: var(--quiet);
  font-size: 0.95rem;
  max-width: 42rem;
}

/* Contact band */
.contact-band {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: center;
  background: var(--panel);
  border: 1px solid var(--line);
  padding: clamp(1.75rem, 3.5vw, 2.75rem);
  box-shadow: var(--shadow);
}
.contact-band h2 { font-size: clamp(1.6rem, 2.5vw, 2rem); }
.contact-band .lede { margin-top: 0.65rem; }
.contact-rows { margin: 0; }
.contact-rows .row {
  display: grid;
  grid-template-columns: 6.5rem 1fr;
  gap: 0.75rem;
  padding: 0.7rem 0;
  border-bottom: 1px solid var(--line-soft);
}
.contact-rows .row:last-child { border-bottom: 0; }
.contact-rows dt {
  margin: 0;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--quiet-2);
  padding-top: 0.2rem;
}
.contact-rows dd { margin: 0; font-weight: 500; }
.contact-rows a {
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px solid var(--copper);
}
.contact-rows a:hover { color: var(--copper-deep); }
@media (max-width: 720px) {
  .contact-band { grid-template-columns: 1fr; }
}

/* ——— Footer ——— */
.site-footer {
  border-top: 1px solid var(--line);
  padding: clamp(2rem, 4vw, 3rem) 0 3.5rem;
  color: var(--quiet);
  font-size: 0.8rem;
}
.site-footer .eyebrow { margin-bottom: 0.85rem; }
.lic {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  margin: 0 0 1.25rem;
  font-family: var(--serif);
  font-size: 1rem;
  color: var(--ink-soft);
}
.lic strong { font-weight: 600; color: var(--ink); }
.fine {
  margin: 0 0 0.85rem;
  max-width: 58rem;
  line-height: 1.55;
  color: var(--quiet);
}
.fine a { color: var(--quiet); }
.fine strong { color: var(--ink-soft); font-weight: 560; }
.footer-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  align-items: center;
  margin-top: 1.75rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--line-soft);
}
.eh {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--quiet);
  font-size: 0.78rem;
}
.mesa-link {
  color: var(--quiet-2);
  text-decoration: none;
  font-size: 0.78rem;
}
.mesa-link:hover { color: var(--copper); }

/* ——— Apply page ——— */
.apply-hero {
  padding: clamp(2rem, 5vw, 3rem) 0 1rem;
}
.apply-hero h1 { font-size: clamp(2rem, 4.5vw, 3rem); }
.safety {
  margin: 1.35rem 0 0;
  max-width: var(--prose);
  background: var(--verify-soft);
  border: 1px solid color-mix(in srgb, var(--verify) 25%, var(--line));
  border-left: 3px solid var(--verify);
  border-radius: var(--r-lg);
  padding: 0.95rem 1.1rem;
}
.safety b { color: var(--verify); font-weight: 600; }
.safety p {
  margin: 0.4rem 0 0;
  font-size: 0.9rem;
  color: var(--quiet);
}

.apply-form {
  padding: 0.5rem 0 3rem;
  max-width: 44rem;
}
fieldset.block {
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  background: var(--panel-raised);
  padding: 1.25rem clamp(1rem, 2.5vw, 1.4rem) 1.35rem;
  margin: 1.15rem 0 0;
  box-shadow: var(--shadow);
}
fieldset.block legend {
  font-family: var(--serif);
  font-size: 1.2rem;
  font-weight: 560;
  padding: 0 0.4rem;
  color: var(--ink);
}
.grid-form {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.9rem;
}
.grid-form .full { grid-column: 1 / -1; }
@media (max-width: 560px) {
  .grid-form { grid-template-columns: 1fr; }
}

label.field {
  display: block;
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  margin-bottom: 0.32rem;
  color: var(--ink-soft);
}
.req { color: var(--copper); }
input.ctrl, select.ctrl, textarea.ctrl {
  width: 100%;
  padding: 0.68rem 0.75rem;
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: var(--sand);
  color: var(--ink);
  font: inherit;
  transition: border-color 0.15s, outline 0.15s;
}
input.ctrl:focus, select.ctrl:focus, textarea.ctrl:focus {
  outline: 2px solid color-mix(in srgb, var(--copper) 55%, transparent);
  outline-offset: 1px;
  border-color: var(--copper);
}
textarea.ctrl { min-height: 5.5rem; resize: vertical; }
.hint {
  margin: 0.3rem 0 0;
  font-size: 0.74rem;
  color: var(--quiet-2);
}
.block-hint {
  margin: 0 0 0.85rem;
  font-size: 0.84rem;
  color: var(--quiet);
}

.actions {
  margin-top: 1.5rem;
  display: flex;
  gap: 0.75rem;
  align-items: center;
  flex-wrap: wrap;
}
.msg { font-size: 0.9rem; }
.msg.err { color: var(--danger); }
.msg.ok { color: var(--verify); }

.done {
  display: none;
  padding: 2.5rem 0 4rem;
  max-width: var(--prose);
}
.done h2 { font-size: 2rem; margin: 0; }
.done p { color: var(--quiet); margin: 0.85rem 0 0; }
.done .ref {
  margin-top: 1.25rem;
  font-family: ui-monospace, Menlo, monospace;
  font-size: 0.85rem;
  color: var(--quiet-2);
}

.apply-footer {
  border-top: 1px solid var(--line);
  padding: 1.5rem 0 3rem;
  color: var(--quiet);
  font-size: 0.8rem;
}
.apply-footer b { color: var(--ink); }
.apply-footer a { color: inherit; }