/* ============================================================
   Evoque Lending - Landing page design system
   Mobile-first. Trust palette: navy / soft blue / muted green /
   warm off-white / gold accents.
   ============================================================ */
:root {
  --navy: #12324A;
  --navy-deep: #0C2435;
  --soft-blue: #EAF4FA;
  --green: #3F7D5A;
  --green-dark: #346A4C;
  --bg: #F8F5EF;
  --gold: #C8A24A;
  --text: #24313A;
  --text-soft: #5A6B77;
  --white: #FFFFFF;
  --border: #DDE5EA;
  --error: #B3492C;
  --radius: 12px;
  --shadow: 0 10px 30px rgba(18, 50, 74, 0.12);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

.container { width: 100%; max-width: 1080px; margin: 0 auto; padding: 0 20px; }

.hidden { display: none !important; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ---------------- Buttons ---------------- */
.btn {
  display: inline-block;
  font-family: inherit;
  font-size: 1.05rem;
  font-weight: 700;
  padding: 16px 28px;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  text-align: center;
  text-decoration: none;
  transition: background 0.15s ease, transform 0.1s ease;
}
.btn:active { transform: scale(0.985); }
.btn-primary { background: var(--green); color: var(--white); }
.btn-primary:hover { background: var(--green-dark); }
.btn-primary:disabled { opacity: 0.65; cursor: wait; }
.btn-secondary { background: var(--white); color: var(--navy); border: 2px solid var(--navy); }
.btn-secondary:hover { background: var(--soft-blue); }
.btn-block { display: block; width: 100%; }
.btn-lg { font-size: 1.15rem; padding: 18px 32px; }

/* ---------------- Header ---------------- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 14px; padding-bottom: 14px;
}
.site-header img { width: 170px; }
.header-phone {
  text-align: right; text-decoration: none; color: var(--navy); line-height: 1.3;
}
.header-phone .phone-label { display: none; font-size: 0.8rem; color: var(--text-soft); }
.header-phone .phone-number { font-weight: 700; font-size: 1rem; white-space: nowrap; }

/* ---------------- Hero ---------------- */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%); color: var(--white); padding: 36px 0 44px; }
.hero-grid { display: grid; gap: 28px; }
.hero h1 {
  font-size: 1.85rem; line-height: 1.25; letter-spacing: -0.01em; font-weight: 800;
}
.hero .subheadline {
  margin-top: 14px; font-size: 1.05rem; color: #D7E6F0; max-width: 34em;
}
.hero-points { list-style: none; margin-top: 20px; display: none; }
.hero-points li {
  padding: 6px 0 6px 30px; position: relative; color: #D7E6F0; font-size: 0.98rem;
}
.hero-points li::before {
  content: ""; position: absolute; left: 0; top: 11px; width: 18px; height: 18px;
  background: var(--gold);
  -webkit-mask: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="black" d="M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z"/></svg>') center / contain no-repeat;
  mask: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="black" d="M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z"/></svg>') center / contain no-repeat;
}

/* ---------------- Form card ---------------- */
.form-card {
  background: var(--white);
  border-radius: var(--radius);
  border-top: 4px solid var(--gold);
  box-shadow: var(--shadow);
  padding: 28px 22px;
  color: var(--text);
  max-width: 460px;
  width: 100%;
  justify-self: center;
}
.form-start { text-align: center; }
.form-start h2 { color: var(--navy); font-size: 1.3rem; line-height: 1.3; }
.form-start .start-sub { margin-top: 8px; color: var(--text-soft); font-size: 0.95rem; }
.form-start .btn { margin-top: 18px; }
.reassure {
  margin-top: 14px; font-size: 0.88rem; color: var(--text-soft);
}
.reassure .lock-icon { color: var(--green); }

.form-progress { margin-bottom: 18px; }
.progress-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
#back-btn {
  background: none; border: none; color: var(--text-soft); font-size: 0.9rem;
  cursor: pointer; padding: 4px 0; font-family: inherit;
}
#back-btn:hover { color: var(--navy); }
#progress-label { font-size: 0.85rem; color: var(--text-soft); font-weight: 600; }
.progress-bar {
  height: 6px; background: var(--soft-blue); border-radius: 3px; overflow: hidden;
}
#progress-fill {
  display: block; height: 100%; width: 12.5%;
  background: var(--green); border-radius: 3px; transition: width 0.25s ease;
}

.step-title { color: var(--navy); font-size: 1.18rem; line-height: 1.35; margin-bottom: 16px; }
.step-note { margin-top: 14px; font-size: 0.85rem; color: var(--text-soft); }
.step-helper {
  margin: 10px 0 16px; font-size: 0.9rem; color: var(--text-soft);
  background: var(--soft-blue); padding: 10px 12px; border-radius: 8px;
}

.option-grid { display: grid; gap: 10px; }
.option-btn {
  font-family: inherit; font-size: 1rem; font-weight: 600; color: var(--navy);
  background: var(--white); border: 2px solid var(--border); border-radius: 10px;
  padding: 14px 16px; text-align: left; cursor: pointer;
  transition: border-color 0.12s ease, background 0.12s ease;
}
.option-btn:hover { border-color: var(--green); background: #F4FAF6; }
.option-btn.selected { border-color: var(--green); background: #EAF5EE; }

.field { margin-bottom: 14px; }
.field label { display: block; font-size: 0.9rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.field input, .field select {
  width: 100%; font-family: inherit; font-size: 1.05rem; color: var(--text);
  padding: 13px 14px; border: 2px solid var(--border); border-radius: 10px;
  background: var(--white); appearance: auto;
}
.field input:focus, .field select:focus {
  outline: none; border-color: var(--navy);
}
.field input[aria-invalid="true"] { border-color: var(--error); }
.field-error { display: block; min-height: 0; color: var(--error); font-size: 0.83rem; margin-top: 4px; }

.currency-wrap { position: relative; }
.currency-sign {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  color: var(--text-soft); font-weight: 700; font-size: 1.05rem;
}
.currency-wrap input { padding-left: 32px; }

.consent { margin-top: 12px; font-size: 0.8rem; color: var(--text-soft); line-height: 1.5; }

/* ---------------- Sections ---------------- */
section { padding: 44px 0; }
.section-title {
  color: var(--navy); font-size: 1.5rem; line-height: 1.3; letter-spacing: -0.01em;
  margin-bottom: 24px; text-align: center;
}

/* Trust bullets */
.trust-strip { background: var(--white); border-bottom: 1px solid var(--border); padding: 28px 0; }
.trust-grid { display: grid; gap: 20px; }
.trust-item { display: flex; align-items: flex-start; gap: 14px; }
.trust-icon {
  flex: none; width: 44px; height: 44px; border-radius: 50%;
  background: var(--soft-blue); display: grid; place-items: center; color: var(--gold);
}
.trust-item h3 { color: var(--navy); font-size: 1.02rem; }
.trust-item p { font-size: 0.92rem; color: var(--text-soft); }

/* Who this is for */
.who-grid { display: grid; gap: 10px; max-width: 640px; margin: 0 auto; }
.who-item {
  display: flex; align-items: center; gap: 12px;
  background: var(--white); border: 1px solid var(--border); border-radius: 10px;
  padding: 13px 16px; font-size: 0.97rem;
}
.who-check { flex: none; color: var(--green); }
.who-note { text-align: center; margin-top: 18px; color: var(--text-soft); font-size: 0.92rem; }

/* Credit support banner */
.credit-hope { padding: 10px 0 44px; }
.credit-hope-card {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  border: 1px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  max-width: 760px; margin: 0 auto;
  overflow: hidden;
}
.credit-hope-card summary {
  cursor: pointer; list-style: none; text-align: center;
  padding: 32px 24px 28px;
}
.credit-hope-card summary::-webkit-details-marker { display: none; }
.credit-hope-card h2 {
  color: var(--white); font-size: 1.45rem; line-height: 1.3; letter-spacing: -0.01em;
}
.credit-hope-teaser { margin-top: 10px; color: #D7E6F0; font-size: 0.98rem; }
.btn-gold {
  background: var(--gold); color: var(--navy-deep); margin-top: 18px;
}
.btn-gold:hover { background: #D8B45E; }
.credit-hope-card .when-open { display: none; }
.credit-hope-card[open] .when-open { display: inline; }
.credit-hope-card[open] .when-closed { display: none; }
.credit-hope-body { padding: 0 24px 30px; }
.credit-hope-body p {
  color: #D7E6F0; font-size: 0.96rem; max-width: 600px; margin: 0 auto 14px;
}
.credit-hope-goal {
  border-top: 1px solid rgba(200, 162, 74, 0.4); padding-top: 16px;
  color: var(--white) !important; font-weight: 600;
}

/* How it works */
.how { background: var(--soft-blue); }
.how-grid { display: grid; gap: 22px; max-width: 720px; margin: 0 auto; }
.how-step { display: flex; gap: 16px; align-items: flex-start; }
.how-num {
  flex: none; width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: var(--gold); font-weight: 800; font-size: 1.05rem;
  display: grid; place-items: center;
}
.how-step h3 { color: var(--navy); font-size: 1.05rem; }
.how-step p { font-size: 0.93rem; color: var(--text-soft); }

/* Reviews */
.reviews-grid { display: grid; gap: 18px; max-width: 760px; margin: 0 auto; }
.review-card {
  background: var(--white); border-radius: var(--radius); padding: 22px;
  border: 1px solid var(--border); box-shadow: 0 4px 14px rgba(18, 50, 74, 0.06);
}
.review-stars { color: var(--gold); letter-spacing: 2px; font-size: 1rem; }
.review-card blockquote { margin: 10px 0 12px; font-size: 0.97rem; }
.review-card cite { font-style: normal; font-size: 0.87rem; color: var(--text-soft); font-weight: 600; }

/* Licensing */
.licensing { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.licensing-inner { max-width: 720px; margin: 0 auto; text-align: center; }
.licensing-badges {
  display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-bottom: 16px;
}
.licensing-badge {
  border: 1px solid var(--gold); color: var(--navy); font-weight: 700; font-size: 0.83rem;
  border-radius: 999px; padding: 6px 16px; background: #FDFBF6;
}
a.licensing-badge { text-decoration: none; }
a.licensing-badge:hover { border-color: var(--navy); background: var(--soft-blue); }
.licensing p { font-size: 0.88rem; color: var(--text-soft); }
.licensing p a { color: inherit; }
.licensing p + p { margin-top: 8px; }

/* FAQ */
.faq-list { max-width: 720px; margin: 0 auto; }
.faq-list details {
  background: var(--white); border: 1px solid var(--border); border-radius: 10px;
  margin-bottom: 10px; overflow: hidden;
}
.faq-list summary {
  cursor: pointer; padding: 16px 44px 16px 18px; font-weight: 700; color: var(--navy);
  font-size: 0.98rem; list-style: none; position: relative;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%);
  color: var(--gold); font-size: 1.3rem; font-weight: 700; line-height: 1;
}
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p { padding: 0 18px 16px; font-size: 0.93rem; color: var(--text-soft); }

/* Final CTA band */
.final-cta { background: var(--navy); color: var(--white); text-align: center; }
.final-cta h2 { font-size: 1.4rem; margin-bottom: 8px; }
.final-cta p { color: #D7E6F0; font-size: 0.97rem; margin-bottom: 20px; }

/* Footer */
.site-footer { padding: 26px 0 110px; text-align: center; }
.site-footer p { font-size: 0.8rem; color: var(--text-soft); }
.site-footer a { color: var(--text-soft); }

/* ---------------- Sticky mobile CTA ---------------- */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 50;
  background: var(--white); border-top: 1px solid var(--border);
  box-shadow: 0 -6px 20px rgba(18, 50, 74, 0.12);
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  display: flex; gap: 10px; align-items: stretch;
  transition: transform 0.25s ease, opacity 0.25s ease;
}
.sticky-cta.sticky-hidden { transform: translateY(110%); opacity: 0; pointer-events: none; }
.sticky-cta .btn-primary { flex: 1; font-size: 1rem; padding: 14px 10px; }
.sticky-call {
  flex: none; display: grid; place-items: center; width: 52px;
  background: var(--soft-blue); color: var(--navy); border-radius: var(--radius);
  text-decoration: none;
}

/* ---------------- Thank-you page ---------------- */
.thanks-main { padding: 56px 0; }
.thanks-card {
  background: var(--white); border-radius: var(--radius); border-top: 4px solid var(--gold);
  box-shadow: var(--shadow); max-width: 560px; margin: 0 auto; padding: 36px 26px; text-align: center;
}
.thanks-icon {
  width: 64px; height: 64px; border-radius: 50%; background: #EAF5EE; color: var(--green);
  display: grid; place-items: center; margin: 0 auto 18px;
}
.thanks-card h1 { color: var(--navy); font-size: 1.5rem; line-height: 1.3; }
.thanks-card .thanks-sub { margin-top: 12px; color: var(--text-soft); font-size: 0.98rem; }
.thanks-urgent { margin-top: 18px; font-size: 0.98rem; }
.thanks-urgent a { color: var(--navy); font-weight: 700; }
.thanks-actions { display: grid; gap: 12px; margin-top: 26px; }

/* ---------------- Desktop ---------------- */
@media (min-width: 900px) {
  .site-header img { width: 200px; }
  .header-phone .phone-label { display: block; }
  .header-phone .phone-number { font-size: 1.15rem; }

  .hero { padding: 64px 0 72px; }
  .hero-grid { grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: center; }
  .hero h1 { font-size: 2.6rem; }
  .hero .subheadline { font-size: 1.15rem; }
  .hero-points { display: block; }
  .form-card { justify-self: end; padding: 32px 28px; }

  .section-title { font-size: 1.8rem; }
  .trust-grid { grid-template-columns: repeat(3, 1fr); }
  .who-grid { grid-template-columns: 1fr 1fr; max-width: 820px; }
  .how-grid { grid-template-columns: repeat(3, 1fr); max-width: none; }
  .how-step { flex-direction: column; }
  .reviews-grid { grid-template-columns: repeat(3, 1fr); max-width: none; }
  .sticky-cta { display: none; }
  .site-footer { padding-bottom: 26px; }
  .thanks-actions { grid-template-columns: 1fr 1fr 1fr; }
}