/* ===========================================================
   Newlight Funding — style.css
   Plain CSS. No frameworks. Relative paths only.
   =========================================================== */

:root {
  /* Brand */
  --navy: #16243D;
  --navy-dark: #0F1A2E;
  --navy-card: #1E3050;
  --navy-border: #2B3E60;
  --teal: #2A6E74;
  --accent: #C96A2C;
  --accent-hover: #A9531F;
  --accent-active: #8F4517;
  --word: #CF7A3A;
  --amber: #E68A3C;

  /* Neutrals (warm) */
  --n50: #FAF8F4;
  --n100: #F1EEE8;
  --n200: #DED9D0;
  --n400: #B0AA9E;
  --n600: #6E6A62;
  --n900: #23211C;
  --body: #3A3833;
  --body-2: #4A473F;
  --on-dark: #C9D0DB;

  --serif: 'Lora', Georgia, 'Times New Roman', serif;
  --sans: 'Public Sans', system-ui, -apple-system, Arial, sans-serif;

  --radius: 8px;
  --radius-card: 12px;
  --maxw: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--n50);
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 { font-family: var(--serif); color: var(--navy); margin: 0; }

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

a { color: var(--navy); text-decoration: none; }

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding-left: clamp(20px, 5vw, 40px);
  padding-right: clamp(20px, 5vw, 40px);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  font-weight: 600;
  font-size: 17px;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background-color .15s ease, color .15s ease;
}
.btn-sm { padding: 11px 20px; font-size: 15px; }
.btn-lg { padding: 16px 34px; font-size: 18px; }

.btn-primary { background: var(--accent); color: #fff; font-weight: 700; }
.btn-primary:hover { background: var(--accent-hover); }
.btn-primary:active { background: var(--accent-active); }

.btn-secondary { background: #fff; color: var(--navy); border-color: var(--navy); }
.btn-secondary:hover { background: var(--n100); }
.btn-secondary:active { background: var(--n200); }

.btn-ghost { background: transparent; color: #fff; border-color: #47597A; font-weight: 700; }
.btn-ghost:hover { background: var(--navy-card); }

/* ---------- Brand mark ---------- */
.brand { display: inline-flex; align-items: center; gap: 10px; }
.brand-mark {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
}
.brand-mark .disc {
  width: 30px; height: 20px;
  border-radius: 15px 15px 0 0;
  background: linear-gradient(to bottom, #F7C065, #EE9440 50%, #D06E2A);
}
.brand-mark .ray { border-radius: 1px; height: 2px; }
.brand-mark .ray-1 { width: 30px; background: var(--accent); }
.brand-mark .ray-2 { width: 19px; background: var(--amber); }
.brand-mark .ray-3 { width: 11px; background: #F0A85A; }
.brand-word {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 22px;
  color: var(--navy);
  line-height: 1;
}
.brand-word span { color: var(--word); }
.brand-word-light { color: #fff; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(250, 248, 244, .92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--n200);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  padding-top: 14px;
  padding-bottom: 14px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: clamp(16px, 2.5vw, 30px);
  flex-wrap: wrap;
}
.nav-links a { font-size: 15px; font-weight: 500; color: var(--body-2); }
.nav-links a:hover { color: var(--accent); }
.nav-links .phone-link { font-weight: 700; color: var(--navy); }
.nav-links .btn-primary { color: #fff; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(180deg, var(--n50), var(--n100)); }
.hero-inner {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: clamp(32px, 5vw, 56px);
  align-items: center;
  padding-top: clamp(48px, 7vw, 88px);
  padding-bottom: clamp(48px, 7vw, 88px);
}
.pill {
  display: inline-block;
  margin: 0 0 22px;
  background: #fff;
  border: 1px solid var(--n200);
  border-radius: 999px;
  padding: 6px 14px;
  font-size: 13px;
  font-weight: 600;
  color: var(--teal);
}
.hero h1 {
  font-weight: 700;
  font-size: clamp(34px, 5vw, 56px);
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin-bottom: 18px;
}
.lead {
  font-size: clamp(17px, 1.6vw, 19px);
  line-height: 1.6;
  color: var(--body-2);
  max-width: 46ch;
  margin: 0 0 30px;
}
.cta-row { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; margin-bottom: 26px; }
.cta-center { justify-content: center; margin-bottom: 0; }

.trust-row {
  list-style: none;
  margin: 0; padding: 0;
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
}
.trust-row li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--body-2);
}
.tick {
  width: 16px; height: 9px;
  border-left: 2.5px solid var(--teal);
  border-bottom: 2.5px solid var(--teal);
  transform: rotate(-45deg);
}
.hero-media {
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid var(--n200);
}
.hero-media img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4 / 3; }

/* ---------- Section shell ---------- */
.section {
  padding-top: clamp(56px, 8vw, 96px);
  padding-bottom: clamp(56px, 8vw, 96px);
}
.section-head { max-width: 640px; margin-bottom: 44px; }
.eyebrow {
  font-size: 13px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 700;
  margin: 0 0 12px;
}
.eyebrow-light { color: #F0A85A; }
.section-head h2 {
  font-weight: 600;
  font-size: clamp(28px, 3.5vw, 40px);
  line-height: 1.1;
  letter-spacing: -0.01em;
  margin: 0 0 14px;
}
.section-lead { font-size: 17px; line-height: 1.65; color: var(--body-2); margin: 0; }
.section-lead-light { color: var(--on-dark); }

/* ---------- How it works ---------- */
.steps {
  list-style: none;
  margin: 0; padding: 0;
  display: flex;
  flex-wrap: wrap;
  align-items: stretch;
  gap: 12px;
}
.step {
  flex: 1 1 175px;
  background: #fff;
  border: 1px solid var(--n200);
  border-radius: var(--radius-card);
  padding: 24px;
}
.step-num {
  width: 40px; height: 40px;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 19px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.step-num-accent { background: var(--accent); }
.step h3 { font-weight: 600; font-size: 19px; line-height: 1.25; margin: 0 0 8px; }
.step p { font-size: 15px; line-height: 1.6; color: var(--body-2); margin: 0; }

.step-arrow {
  flex: 0 0 auto;
  align-self: center;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 22px;
}
.step-arrow i {
  width: 10px; height: 10px;
  border-top: 3px solid var(--accent);
  border-right: 3px solid var(--accent);
  transform: rotate(45deg);
  animation: bounceX 1.1s ease-in-out infinite;
}
@keyframes bounceX {
  0%, 100% { transform: rotate(45deg) translate(-1px, -1px); }
  50%      { transform: rotate(45deg) translate(2px, 2px); }
}
@media (prefers-reduced-motion: reduce) {
  .step-arrow i { animation: none; }
}

/* ---------- Why Newlight (dark) ---------- */
.why { background: var(--navy); }
.why .container {
  padding-top: clamp(56px, 8vw, 96px);
  padding-bottom: clamp(56px, 8vw, 96px);
}
.why .section-head h2 { color: #fff; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 18px;
}
.benefit {
  background: var(--navy-card);
  border: 1px solid var(--navy-border);
  border-radius: var(--radius-card);
  padding: 26px;
}
.benefit h3 { color: #fff; font-weight: 600; font-size: 19px; margin: 0 0 8px; }
.benefit p { font-size: 15px; line-height: 1.6; color: var(--on-dark); margin: 0; }
/* Icons are inline SVG on a 24x24 grid, optically centred by flexbox.
   Do not go back to absolutely positioned pseudo-elements — that is what
   left them sitting off-centre. */
.benefit-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px; height: 52px;
  flex: 0 0 auto;
  border-radius: 12px;
  background: #E7EFEF;
  color: var(--teal);
  margin-bottom: 18px;
}
.benefit-icon svg {
  display: block;
  width: 26px; height: 26px;
}

/* ---------- Use cases ---------- */
.use-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(165px, 1fr));
  gap: 16px;
}
.use-card {
  margin: 0;
  border: 1px solid var(--n200);
  border-radius: var(--radius-card);
  overflow: hidden;
  background: #fff;
}
.use-card img { width: 100%; height: 130px; object-fit: cover; }
.use-card figcaption { padding: 14px 16px; font-weight: 600; font-size: 15px; color: var(--navy); }

/* ---------- Testimonials ---------- */
.quote-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
  align-items: start;
}
.quote-card {
  margin: 0;
  background: #fff;
  border: 1px solid var(--n200);
  border-radius: 14px;
  padding: 26px;
  box-shadow: 0 12px 30px rgba(22, 36, 61, .08);
}
.quote-offset { margin-top: clamp(0px, 2vw, 28px); }
.stars { color: var(--amber); font-size: 16px; letter-spacing: 2px; margin: 0 0 14px; }
.quote-text { font-family: var(--serif); font-size: 18px; line-height: 1.55; color: var(--navy); margin: 0 0 18px; }
.quote-card footer { display: flex; flex-direction: column; }
.quote-name { font-size: 14px; font-weight: 600; color: var(--body-2); }
.quote-loc { font-size: 13px; color: var(--n600); }

/* ---------- FAQ ---------- */
.faq { background: var(--n100); }
.faq-inner {
  max-width: 760px;
  margin: 0 auto;
  padding: clamp(56px, 8vw, 96px) clamp(20px, 5vw, 40px);
}
.faq .section-head { margin-bottom: 36px; }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff;
  border: 1px solid var(--n200);
  border-radius: var(--radius-card);
  overflow: hidden;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-family: var(--serif);
  font-weight: 600;
  font-size: 18px;
  color: var(--navy);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-family: var(--sans);
  font-weight: 400;
  font-size: 26px;
  line-height: 1;
  color: var(--accent);
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: "\2013"; }
.faq-item p { margin: 0; padding: 0 22px 22px; font-size: 16px; line-height: 1.65; color: var(--body-2); }

/* ---------- Final CTA ---------- */
.final-cta { background: var(--navy); }
.final-inner {
  max-width: 760px;
  margin: 0 auto;
  padding: clamp(56px, 8vw, 96px) clamp(20px, 5vw, 40px);
  text-align: center;
}
.final-inner h2 {
  color: #fff;
  font-weight: 700;
  font-size: clamp(30px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.015em;
  margin: 0 0 16px;
}
.final-inner p {
  font-size: 18px;
  line-height: 1.6;
  color: var(--on-dark);
  max-width: 52ch;
  margin: 0 auto 32px;
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-dark); }
.site-footer .container { padding-top: 44px; padding-bottom: 36px; }
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  padding-bottom: 28px;
  border-bottom: 1px solid #263a5c;
}
.footer-links { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-links a { font-size: 14px; color: var(--on-dark); }
.footer-links a:hover { color: #fff; }
.footer-legal {
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-legal p { margin: 0; font-size: 13px; color: #8A97AE; line-height: 1.6; max-width: 70ch; }
.copyright { white-space: nowrap; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-media { order: -1; }
}
@media (max-width: 560px) {
  .step-arrow { display: none; }
  .footer-top { flex-direction: column; align-items: flex-start; }
}

/* ===========================================================
   Contact / opt-in page + legal pages
   =========================================================== */

/* Simple sub-page header offset */
.subpage { padding-top: clamp(40px, 6vw, 64px); padding-bottom: clamp(56px, 8vw, 88px); }
.subpage .page-head { max-width: 720px; margin: 0 auto 40px; text-align: center; }
.subpage .page-head h1 {
  font-weight: 700;
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin: 0 0 16px;
}
.subpage .page-head p { font-size: 18px; line-height: 1.6; color: var(--body-2); margin: 0; }

/* ---------- Contact form ---------- */
.form-wrap {
  max-width: 620px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--n200);
  border-radius: var(--radius-card);
  padding: clamp(24px, 4vw, 40px);
  box-shadow: 0 12px 30px rgba(22, 36, 61, .06);
}
.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 7px;
}
.field .req { color: var(--accent); }
.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 16px;
  color: var(--body);
  background: var(--n50);
  border: 1.5px solid var(--n200);
  border-radius: var(--radius);
  padding: 13px 15px;
  transition: border-color .15s ease, background-color .15s ease;
}
.field input:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--teal);
  background: #fff;
}
.field textarea { min-height: 120px; resize: vertical; }

/* ---------- Consent checkboxes ---------- */
.consent-group {
  border-top: 1px solid var(--n200);
  margin-top: 28px;
  padding-top: 24px;
}
.consent {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 18px;
}
.consent input[type="checkbox"] {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: var(--teal);
  cursor: pointer;
}
.consent label { font-size: 14px; line-height: 1.55; color: var(--body-2); cursor: pointer; }

.disclosure {
  background: var(--n100);
  border: 1px solid var(--n200);
  border-radius: var(--radius);
  padding: 16px 18px;
  margin: 22px 0 24px;
}
.disclosure p { font-size: 13px; line-height: 1.6; color: var(--n600); margin: 0 0 8px; }
.disclosure p:last-child { margin-bottom: 0; }
.disclosure strong { color: var(--body-2); }

.form-wrap .btn-primary { width: 100%; text-align: center; }
.form-note { font-size: 13px; color: var(--n600); text-align: center; margin: 16px 0 0; line-height: 1.55; }
.form-note a { color: var(--teal); text-decoration: underline; }

/* ---------- Legal / policy pages ---------- */
.legal { max-width: 760px; margin: 0 auto; }
.legal h1 { margin-bottom: 8px; }
.legal .updated { font-size: 14px; color: var(--n600); margin: 0 0 36px; }
.legal h2 {
  font-weight: 600;
  font-size: clamp(20px, 2.4vw, 26px);
  margin: 36px 0 12px;
}
.legal h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin: 24px 0 8px; }
.legal p, .legal li { font-size: 16px; line-height: 1.7; color: var(--body-2); }
.legal ul { padding-left: 22px; margin: 12px 0; }
.legal li { margin-bottom: 8px; }
.legal a { color: var(--teal); text-decoration: underline; }
.legal .callout {
  background: var(--n100);
  border-left: 3px solid var(--teal);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px;
  margin: 20px 0;
}
.legal .callout p { margin: 0; color: var(--body-2); }

/* ---------- Quote page ---------- */
.pill-center { display: inline-block; }
.subpage .page-head .pill-center { margin-bottom: 18px; }

.quote-assurance {
  list-style: none;
  margin: 0 auto 28px;
  padding: 0;
  max-width: 640px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px 22px;
}
.quote-assurance li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 14px;
  font-weight: 600;
  color: var(--body-2);
}

.form-section-label {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--n600);
  margin: 0 0 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--n200);
}
.form-section-label + .field-row,
.form-section-label + .field { margin-top: 0; }
.consent-group .form-section-label { margin-top: 28px; }
form > .form-section-label:not(:first-child) { margin-top: 30px; }

.field-row {
  display: grid;
  align-items: start;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 0 18px;
}

/* Selects need the same treatment the text inputs already get. */
.field select {
  width: 100%;
  font-family: var(--sans);
  font-size: 16px;
  color: var(--body);
  background-color: var(--n50);
  border: 1.5px solid var(--n200);
  border-radius: var(--radius);
  padding: 13px 40px 13px 15px;
  transition: border-color .15s ease, background-color .15s ease;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none' stroke='%236E6A62' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='1 1.5 6 6.5 11 1.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 15px center;
}
.field select:focus {
  outline: none;
  border-color: var(--teal);
  background-color: #fff;
}

/* Honeypot — off-screen rather than display:none, which some bots skip. */
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px; height: 1px;
  overflow: hidden;
}

.form-error {
  background: #FCEDE7;
  border: 1px solid #E7BFAE;
  border-radius: var(--radius);
  color: #8F4517;
  font-size: 14px;
  line-height: 1.55;
  font-weight: 500;
  margin: 0 0 18px;
  padding: 13px 15px;
}

.form-success { text-align: center; padding: 18px 0 6px; }
.form-success-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px; height: 56px;
  margin: 0 auto 20px;
  border-radius: 50%;
  background: #E7EFEF;
  color: var(--teal);
}
.form-success-mark svg { display: block; width: 28px; height: 28px; }
.form-success h2 {
  font-size: clamp(24px, 3vw, 30px);
  color: var(--navy);
  margin: 0 0 12px;
}
.form-success p {
  font-size: 16px;
  line-height: 1.65;
  color: var(--body-2);
  max-width: 44ch;
  margin: 0 auto;
}
.form-success a { color: var(--teal); font-weight: 600; }

@media (max-width: 560px) {
  .field-row { grid-template-columns: 1fr; }
}