/* Auzlending - minimal design system. Tokens come straight from the logo (forest + gold, Quicksand). */
:root{
  --cream:#F6F3EC; --cream-2:#ECE7DB; --white:#FFFFFF;
  --forest:#0F2B26; --forest-2:#0A1F1B; --ink:#16302B;
  --gold:#C9A45C; --gold-ink:#8A6A2B; --gold-soft:#F3EBD9;
  --stone:#5F6B68; --line:#E3DDCF; --line-dark:rgba(255,255,255,.14);
  --font-head:"Quicksand",system-ui,sans-serif;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --max:1140px; --gutter:20px; --radius:8px;
  --ease:cubic-bezier(.2,.7,.2,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--font);font-size:17px;line-height:1.7;font-weight:400}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--forest);text-decoration:none}
a:hover{color:var(--gold-ink)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--forest);font-weight:700;line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2.5rem,6vw,4.4rem);letter-spacing:-.03em;line-height:1.02}
h2{font-size:clamp(1.8rem,3.6vw,2.6rem)}
h3{font-size:1.2rem;letter-spacing:-.01em}
p{margin:0 0 1.1em}
.lead{font-size:1.2rem;line-height:1.6;color:#2C443F;max-width:60ch}
.prose{max-width:68ch}
.prose h2{margin-top:2.2em}
.prose h3{margin-top:1.8em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.35em 0}
.prose table{border-collapse:collapse;width:100%;margin:1.2em 0;font-size:.95em}
.prose th,.prose td{text-align:left;padding:.6em .5em;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{color:var(--forest);font-weight:600}
.muted{color:var(--stone)}
.small{font-size:.9rem}
.container{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-999px;top:0;background:var(--forest);color:#fff;padding:.6em 1em}
.skip:focus{left:8px;z-index:100}

/* eyebrow: the tagline treatment from the logo */
.eyebrow{font-family:var(--font-head);display:flex;align-items:center;gap:14px;color:var(--gold-ink);font-size:.78rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;margin:0 0 1.2rem}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold);flex:none}
.eyebrow.is-centered{justify-content:center}

/* buttons */
.btn{font-family:var(--font-head);display:inline-flex;align-items:center;justify-content:center;gap:.5em;min-height:48px;padding:0 1.5em;border-radius:var(--radius);font-weight:600;font-size:.95rem;letter-spacing:.01em;border:2px solid transparent;transition:background .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease),transform .2s var(--ease);cursor:pointer}
.btn-primary{background:var(--forest);color:var(--cream)}
.btn-primary:hover{background:var(--gold);color:var(--forest);transform:translateY(-1px)}
.btn-ghost{border-color:var(--forest);color:var(--forest);background:transparent}
.btn-ghost:hover{border-color:var(--gold-ink);color:var(--gold-ink)}
.btn-light{background:var(--cream);color:var(--forest)}
.btn-light:hover{background:var(--gold);color:var(--forest)}
.btn-link{font-family:var(--font-head);color:var(--forest);font-weight:600;display:inline-flex;align-items:center;gap:.4em}
.btn-link::after{content:"\2192";transition:transform .2s var(--ease)}
.btn-link:hover{color:var(--gold-ink)}
.btn-link:hover::after{transform:translateX(4px)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(246,243,236,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:border-color .2s}
.site-header.is-scrolled{border-bottom-color:var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:78px}
.brand img{height:50px;width:auto}
.nav{display:flex;align-items:center;gap:30px}
.nav-link{font-family:var(--font-head);font-weight:600;font-size:.95rem;color:var(--forest);position:relative;padding:6px 0}
.nav-link::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
.nav-link:hover::after,.nav-link.is-active::after{transform:scaleX(1)}
.nav-cta{margin-left:6px;min-height:44px}
.nav-toggle{display:none;background:none;border:0;width:48px;height:48px;padding:12px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px}
.nav-toggle span{display:block;height:2px;background:var(--forest);transition:transform .25s var(--ease),opacity .2s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* sections */
.section{padding:96px 0}
.section-tight{padding:64px 0}
.section-alt{background:var(--white)}
.section-dark{background:var(--forest);color:rgba(246,243,236,.86)}
.section-dark h1,.section-dark h2,.section-dark h3{color:var(--cream)}
.section-dark a{color:var(--cream)}
.section-dark a:hover{color:var(--gold)}
.section-dark .eyebrow,.cta-band .eyebrow,.step::before,.section-dark .faq summary::after,.section-dark .feature .num{color:var(--gold)}
.section-dark .btn-light,.cta-band .btn-light{color:var(--forest)}
.section-dark .btn-light:hover,.cta-band .btn-light:hover{color:var(--forest)}
.section-dark .lead{color:rgba(246,243,236,.8)}
.section-head{max-width:64ch;margin-bottom:48px}
.section-head.is-centered{margin-left:auto;margin-right:auto;text-align:center}

/* hero */
.hero{padding:96px 0 80px;position:relative;overflow:hidden}
.hero-inner{max-width:780px;position:relative}
.hero h1 em{font-style:normal;color:var(--gold-ink)}
.hero .lead{margin:1.4rem 0 2rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:2rem}
.trust{display:flex;flex-wrap:wrap;gap:8px 28px;color:var(--stone);font-size:.88rem;font-weight:500}
.trust span{display:inline-flex;align-items:center;gap:8px}
.trust span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold)}
.hero-z{position:absolute;right:4%;top:50%;transform:translateY(-50%);width:min(34vw,420px);opacity:.22;pointer-events:none}
.page-hero{padding:72px 0 56px}
.page-hero .lead{margin-top:1rem}
.breadcrumb{font-size:.85rem;color:var(--stone);margin-bottom:1.4rem}
.breadcrumb a{color:var(--stone)}
.breadcrumb a:hover{color:var(--gold-ink)}
.breadcrumb span{margin:0 .5em}

/* grids and cards */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;transition:border-color .25s var(--ease),transform .25s var(--ease);display:flex;flex-direction:column}
.card:hover{border-color:var(--gold);transform:translateY(-3px)}
.card h3{margin-top:.2em}
.card p{color:#3C524D;flex:1}
.card .btn-link{margin-top:auto}
.card-icon{width:44px;height:44px;margin-bottom:18px;color:var(--gold-ink)}
.section-dark .card{background:rgba(255,255,255,.04);border-color:var(--line-dark)}
.section-dark .card p{color:rgba(246,243,236,.78)}
.section-dark .card h3{color:var(--cream)}
.feature{padding-top:24px;border-top:2px solid var(--forest)}
.feature h3{margin-top:.4em}
.feature .num{font-family:var(--font-head);font-weight:700;font-size:2.2rem;color:var(--gold-ink);letter-spacing:-.03em;line-height:1}
.steps{counter-reset:step}
.step{padding-top:22px;border-top:1px solid var(--line-dark);position:relative}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);display:block;color:var(--gold-ink);font-weight:700;font-size:1.05rem;letter-spacing:.1em;margin-bottom:14px}
.step h3{font-size:1.15rem}
.step p{margin:0;font-size:.98rem}

/* broker / quote */
.quote{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.quote blockquote{font-family:var(--font-head);margin:0;font-size:clamp(1.3rem,2.4vw,1.8rem);font-weight:500;line-height:1.4;color:var(--forest);letter-spacing:-.01em}
.quote cite{display:block;margin-top:1.4rem;font-style:normal;font-size:.95rem;color:var(--stone)}
.quote cite strong{display:block;color:var(--forest);font-weight:600}
.portrait{aspect-ratio:4/5;background:var(--cream-2);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;color:var(--stone);font-size:.9rem;text-align:center;padding:24px;border:1px dashed var(--line)}

/* faq */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{font-family:var(--font-head);list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:600;color:var(--forest);position:relative;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:18px;font-size:1.6rem;font-weight:400;color:var(--gold-ink);transition:transform .25s var(--ease);line-height:1}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 22px;max-width:68ch;color:#3C524D}
.section-dark .faq{border-color:var(--line-dark)}
.section-dark .faq details{border-color:var(--line-dark)}
.section-dark .faq summary{color:var(--cream)}
.section-dark .faq details p{color:rgba(246,243,236,.8)}

/* cta band */
.cta-band{background:var(--forest);color:var(--cream);border-radius:10px;padding:56px 48px;display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.cta-band h2{color:var(--cream);margin:0 0 .4em}
.cta-band p{color:rgba(246,243,236,.8);margin:0}
.cta-band .actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:flex-end}

/* forms */
.form{display:grid;gap:16px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-size:.85rem;font-weight:600;color:var(--forest);margin-bottom:6px}
input,select,textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1px solid var(--line);border-radius:4px;background:var(--white);color:var(--ink);min-height:48px}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.form .small{margin:0}
.hp{position:absolute;left:-9999px}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:40px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:36px}
.calc h3{margin-top:0}
.result{padding:24px;background:var(--cream);border-radius:var(--radius);margin-top:8px}
.result .big{font-family:var(--font-head);font-size:clamp(2rem,4vw,2.8rem);font-weight:700;color:var(--forest);letter-spacing:-.03em;line-height:1.1}
.result .big small{font-size:1rem;font-weight:500;color:var(--stone);letter-spacing:0}
.result dl{display:grid;grid-template-columns:1fr auto;gap:8px 20px;margin:16px 0 0;font-size:.95rem}
.result dt{color:var(--stone)}
.result dd{margin:0;font-weight:600;color:var(--forest);text-align:right}
.range-row{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center}
input[type=range]{padding:0;min-height:auto;accent-color:var(--gold)}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px}
.contact-list{list-style:none;padding:0;margin:0 0 2rem}
.contact-list li{padding:14px 0;border-bottom:1px solid var(--line)}
.contact-list li strong{display:block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:2px}

/* footer */
.site-footer{background:var(--forest);color:rgba(246,243,236,.8);padding:72px 0 36px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid var(--line-dark)}
.footer-brand img{width:240px;margin-bottom:20px}
.footer-brand p{margin-bottom:1em}
.site-footer h3{color:var(--cream);font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:16px}
.site-footer a{color:rgba(246,243,236,.8);display:block;padding:4px 0}
.site-footer a:hover{color:var(--gold)}
.footer-contact a{display:inline}
.footer-legal{padding-top:28px;font-size:.8rem;color:rgba(246,243,236,.55);max-width:90ch}
.footer-legal a{display:inline;color:rgba(246,243,236,.7);text-decoration:underline}

/* responsive */
@media (max-width:980px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .quote,.contact-grid,.calc,.cta-band{grid-template-columns:1fr}
  .cta-band .actions{justify-content:flex-start}
}
@media (max-width:860px){
  .nav-toggle{display:flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--cream);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px var(--gutter) 20px}
  .nav.is-open{display:flex}
  .nav-link{padding:14px 0;border-bottom:1px solid var(--line);font-size:1.05rem}
  .nav-link::after{display:none}
  .nav-cta{margin:16px 0 0}
  .hero{padding:64px 0 56px}
  .hero-z{display:none}
  .section{padding:64px 0}
}
@media (max-width:640px){
  body{font-size:16px}
  .grid-2,.grid-3,.grid-4,.footer-grid,.form-row{grid-template-columns:1fr}
  .brand img{height:42px}
  .cta-band{padding:36px 24px}
  .calc{padding:24px}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;scroll-behavior:auto!important}
}