/* Octagon Commercial Finance — shared stylesheet
   Used by every page in this folder. Single source of truth. */

:root{
  --charcoal:#1D1D1B;
  --charcoal-2:#232320;
  --charcoal-3:#2D2D29;
  --gold:#C9A227;
  --gold-soft:#DAB94F;
  --gold-glow:rgba(201,162,39,.18);
  --white:#FFFFFF;
  --muted:#C7C7C1;
  --muted-2:#8F8F88;
  --line:rgba(201,162,39,.28);
  --line-soft:rgba(255,255,255,.08);
  --display:'Playfair Display',Georgia,serif;
  --body:'Archivo',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --ease-out-strong:cubic-bezier(0.23,1,0.32,1);
  --ease-in-out-strong:cubic-bezier(0.77,0,0.175,1);
  --dur-press:160ms;
  --dur-hover:200ms;
  --dur-hero:320ms;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--charcoal);color:var(--white);
  font-family:var(--body);line-height:1.65;font-size:18px;
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
  font-feature-settings:"kern","liga","calt";
}
img,svg{max-width:100%;display:block}

::selection{background:rgba(201,162,39,.35);color:var(--white)}
html{caret-color:var(--gold);scrollbar-color:rgba(201,162,39,.35) transparent;scrollbar-width:thin}
::-webkit-scrollbar{width:12px;height:12px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:rgba(201,162,39,.35);border-radius:999px;border:3px solid var(--charcoal);background-clip:padding-box}
::-webkit-scrollbar-thumb:hover{background:rgba(201,162,39,.55);background-clip:padding-box}

:focus{outline:none}
:focus-visible{box-shadow:0 0 0 2px var(--charcoal),0 0 0 5px var(--gold);border-radius:4px}

a{color:var(--gold-soft);text-decoration:none;text-underline-offset:3px;text-decoration-thickness:1px;transition:color var(--dur-hover) var(--ease-out-strong)}
@media (hover:hover) and (pointer:fine){
  a:hover{color:var(--gold);text-decoration:underline;text-decoration-thickness:2px}
}

h1,h2,h3{font-family:var(--display);font-weight:600;line-height:1.15;text-wrap:balance}
h1{font-size:clamp(34px,5.2vw,56px);letter-spacing:-0.02em}
h2{font-size:clamp(24px,3.2vw,32px);letter-spacing:-0.015em;margin-bottom:0.4em}
h3{font-size:20px;margin-bottom:0.4em}
.num-tab{font-variant-numeric:tabular-nums}

.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--body);font-size:12px;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:16px}

/* ---------- Header + top nav ---------- */
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.98);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:border-color var(--dur-hover) var(--ease-out-strong),box-shadow var(--dur-hover) var(--ease-out-strong)}
header.is-scrolled{border-bottom-color:rgba(29,29,27,.12);box-shadow:0 1px 12px rgba(29,29,27,.06)}
.bar{display:flex;align-items:center;justify-content:space-between;padding:12px 24px;max-width:1100px;margin:0 auto;gap:16px;flex-wrap:wrap}
.logo-lockup{display:inline-flex;align-items:center;text-decoration:none;padding:4px 4px 4px 0}
.logo-lockup img{height:64px;width:auto;flex:none;display:block}
.top-nav{display:flex;align-items:center;gap:4px 22px;flex-wrap:wrap;font-size:14px}
.top-nav a{color:var(--charcoal);font-weight:500;display:inline-flex;align-items:center;height:44px;padding:0 4px}
.top-nav a.is-current{color:var(--gold);font-weight:600}
@media (hover:hover) and (pointer:fine){
  .top-nav a:hover{color:var(--gold);text-decoration:none}
}
.bar .tel{display:inline-flex;align-items:center;height:48px;padding:0 8px;font-weight:600;color:var(--charcoal);white-space:nowrap;font-size:15px}
@media (hover:hover) and (pointer:fine){
  .bar .tel:hover{color:var(--gold);text-decoration:none}
}

/* ---------- Hero (index only) ---------- */
.hero{padding:88px 0 76px;position:relative;overflow:hidden;border-bottom:1px solid var(--line)}
.hero::after{content:"";position:absolute;inset:auto -20% -40% auto;width:70vw;height:70vw;max-width:960px;max-height:960px;background:radial-gradient(circle,var(--gold-glow),transparent 60%);pointer-events:none}
.hero .wrap{position:relative}
.hero h1{max-width:16ch;margin-bottom:24px}
.hero p.lead{font-size:clamp(17px,2vw,20px);color:var(--muted);max-width:60ch;margin-bottom:32px}
.trust{display:flex;flex-wrap:wrap;gap:12px 28px;color:var(--white);font-weight:500;font-size:15px;margin-bottom:36px}
.trust span{display:flex;align-items:center;gap:10px}
.trust span::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold);flex:none}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;min-height:48px;
  padding:14px 28px;border-radius:3px;font-weight:600;font-size:15px;letter-spacing:.2px;
  cursor:pointer;border:1px solid var(--gold);text-decoration:none;
  transition:transform var(--dur-press) var(--ease-out-strong),
             background-color var(--dur-press) var(--ease-out-strong),
             border-color var(--dur-press) var(--ease-out-strong),
             box-shadow var(--dur-press) var(--ease-out-strong);
}
.btn-primary{background:var(--gold);color:var(--charcoal)}
.btn-ghost{background:transparent;color:var(--white)}
@media (hover:hover) and (pointer:fine){
  .btn-primary:hover{background:var(--gold-soft);text-decoration:none}
  .btn-ghost:hover{background:rgba(201,162,39,.10);text-decoration:none}
}
.btn:active{transform:scale(0.97);transition-duration:100ms}

/* ---------- Sections ---------- */
section.block{padding:72px 0;border-bottom:1px solid var(--line)}
section.block .head{max-width:66ch;margin-bottom:44px}
section.block .head p{color:var(--muted);margin-top:12px;max-width:64ch}

/* ---------- Finance categories ---------- */
.cats{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.cat{background:var(--charcoal-2);border:1px solid var(--line-soft);border-top:2px solid var(--gold);padding:32px 28px;border-radius:3px}
.cat h3{font-size:22px;margin-bottom:8px}
.cat p.k{color:var(--muted);font-size:15px;margin-bottom:20px;max-width:52ch}
.cat ul{list-style:none}
.cat li{padding:12px 0 12px 22px;position:relative;border-top:1px solid var(--line-soft);font-size:15.5px;line-height:1.55}
.cat li:first-of-type{border-top:none}
.cat li::before{content:"";position:absolute;left:0;top:19px;width:6px;height:6px;background:var(--gold);border-radius:50%}
.cat li strong{color:var(--white)}

/* ---------- Process ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.step .n{font-family:var(--display);font-size:44px;color:var(--gold);line-height:1;margin-bottom:12px;font-variant-numeric:tabular-nums}
.step h3{font-size:19px;margin-bottom:8px}
.step p{color:var(--muted);font-size:15px}

/* ---------- Scope note ---------- */
.note{background:var(--charcoal-2);border:1px solid var(--line);border-radius:3px;padding:28px 30px}
.note h3{font-family:var(--body);font-weight:700;font-size:15px;color:var(--gold);margin-bottom:10px;letter-spacing:.4px;text-transform:uppercase}
.note p{color:var(--muted);font-size:15px;max-width:70ch}

/* ---------- Contact ---------- */
#contact{background:var(--charcoal)}
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:start}
.contact-info .line{display:flex;gap:14px;align-items:center;color:var(--white);font-weight:500;font-size:15.5px;min-height:44px}
.contact-info .line strong{color:var(--gold);font-weight:600;min-width:80px}
.contact-info .line a{display:inline-flex;align-items:center;height:44px}
.contact-info p{color:var(--muted);margin-bottom:16px;max-width:44ch}

.privacy-strip{margin-top:20px;padding:16px 18px;background:var(--charcoal-2);border-left:2px solid var(--gold);font-size:13.5px;color:var(--muted);line-height:1.55;border-radius:2px}
.privacy-strip a{color:var(--gold-soft);font-weight:600}

form{background:var(--charcoal-2);border:1px solid var(--line-soft);padding:32px 30px;border-radius:3px}
.field{margin-bottom:18px}
label{display:block;font-size:13px;letter-spacing:.3px;color:var(--white);margin-bottom:7px;font-weight:500}
input,select,textarea{
  width:100%;background:var(--charcoal-3);border:1px solid var(--line);
  color:var(--white);padding:13px 14px;border-radius:2px;
  font-family:var(--body);font-size:15px;min-height:48px;
  transition:border-color var(--dur-hover) var(--ease-out-strong),background-color var(--dur-hover) var(--ease-out-strong);
}
input:hover,select:hover,textarea:hover{border-color:var(--gold-soft)}
input:focus,select:focus,textarea:focus{border-color:var(--gold);background:var(--charcoal-2)}
input::placeholder,textarea::placeholder{color:var(--muted-2)}
select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--gold) 50%),linear-gradient(135deg,var(--gold) 50%,transparent 50%);background-position:calc(100% - 18px) calc(50% - 2px),calc(100% - 12px) calc(50% - 2px);background-size:6px 6px,6px 6px;background-repeat:no-repeat;padding-right:36px}
.consent{display:flex;gap:12px;align-items:flex-start;margin:18px 0 20px;font-size:14px;color:var(--muted);line-height:1.6}
.consent input{width:auto;flex:none;margin-top:4px;accent-color:var(--gold);min-height:auto;padding:0}
.consent label{font-weight:400;letter-spacing:0;margin:0;color:inherit;font-size:14px}
.consent label a{color:var(--gold-soft);font-weight:600;text-decoration:underline}
button[type=submit]{width:100%;margin-top:4px}
.form-status{margin-top:14px;font-size:14px;color:var(--gold-soft);min-height:22px}

/* ---------- Subpage hero (Privacy / Complaints) ---------- */
.subpage-hero{padding:56px 0 32px;border-bottom:1px solid var(--line)}
.subpage-hero .crumb{font-size:13px;color:var(--muted-2);margin-bottom:16px;letter-spacing:.2px}
.subpage-hero .crumb a{color:var(--muted)}
.subpage-hero h1{font-size:clamp(28px,4vw,42px);max-width:22ch;margin-bottom:12px}
.subpage-hero p.lead{color:var(--muted);font-size:17px;max-width:60ch}
.subpage-hero .updated{font-size:13.5px;color:var(--muted-2);margin-top:14px}

/* Prose = long-form legal copy */
.prose{padding:56px 0 96px}
.prose .wrap{max-width:780px}
.prose h2{margin-top:44px;color:var(--gold);font-family:var(--body);font-weight:700;font-size:15px;letter-spacing:.5px;text-transform:uppercase}
.prose h2:first-of-type{margin-top:0}
.prose h3{margin-top:28px;font-family:var(--display);font-weight:600;font-size:20px;color:var(--white)}
.prose p{color:var(--muted);margin-top:12px;max-width:68ch}
.prose ul,.prose ol{margin:12px 0 12px 22px;color:var(--muted)}
.prose li{margin-top:6px;max-width:66ch;line-height:1.6}
.prose li strong{color:var(--white);font-weight:600}
.prose a{color:var(--gold-soft);font-weight:500}
.prose .callout{margin:28px 0;padding:20px 22px;background:var(--charcoal-2);border-left:2px solid var(--gold);border-radius:2px;color:var(--muted)}
.prose .callout strong{color:var(--gold)}
.prose table{width:100%;border-collapse:collapse;margin:16px 0;font-size:14.5px}
.prose th,.prose td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line-soft);color:var(--muted);vertical-align:top}
.prose th{color:var(--gold);font-weight:600;font-size:12.5px;letter-spacing:.3px;text-transform:uppercase}

/* ---------- Footer ---------- */
footer{padding:56px 0 64px;background:#161614}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;align-items:center;padding-bottom:28px;border-bottom:1px solid var(--line-soft);margin-bottom:28px}
.foot-brand{font-family:var(--display);font-size:20px;font-weight:600;color:var(--white);letter-spacing:.3px}
.foot-links{display:flex;gap:4px 24px;font-size:14px;flex-wrap:wrap;align-items:center}
.foot-links a{display:inline-flex;align-items:center;height:44px;padding:0 4px}
.legal{font-size:14px;color:var(--muted-2);line-height:1.75;max-width:100ch}
.legal strong{color:var(--muted)}

/* ---------- Responsive ---------- */
@media(max-width:820px){
  .cats,.steps,.contact-grid{grid-template-columns:1fr}
  .hero{padding:64px 0 52px}
  section.block{padding:52px 0}
  .bar{padding:10px 20px;gap:10px}
  .logo-lockup img{height:46px}
  .bar .tel{font-size:14px}
  .top-nav{width:100%;justify-content:flex-start;gap:2px 16px;font-size:13px;padding-top:4px;border-top:1px solid rgba(29,29,27,.08);margin-top:4px}
  .top-nav a{height:40px}
}

/* ---------- Motion ---------- */
@media (prefers-reduced-motion:no-preference){
  .hero h1{animation:fade-up var(--dur-hero) var(--ease-out-strong) both}
  .hero p.lead{animation:fade-up var(--dur-hero) 60ms var(--ease-out-strong) both}
  .trust{animation:fade-up var(--dur-hero) 120ms var(--ease-out-strong) both}
  .cta-row{animation:fade-up var(--dur-hero) 180ms var(--ease-out-strong) both}
}
@keyframes fade-up{
  from{opacity:0;transform:translateY(8px)}
  to{opacity:1;transform:none}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:0.01ms !important;transition-duration:0.01ms !important}
  html{scroll-behavior:auto}
  .btn:active{transform:none}
}

/* The honeypot. Off-screen rather than display:none, because some bots skip anything that is
   display:none and fill everything else. A person never sees it and never tabs into it
   (tabindex="-1" on the input); a bot fills it in and the handler quietly discards the message. */
.hp{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}

/* PHONE: stop the contact column forcing the page wider than the screen.
   A grid column is min-width:auto by default, so its floor is the widest thing that cannot be
   broken - here the email address, 275px of unbreakable text. That made the column 369px inside
   342px of space and gave the whole site a 3px sideways wobble on a phone. minmax(0,1fr) lets the
   column shrink; overflow-wrap lets the address break rather than setting the floor. */
@media (max-width: 700px){
  .contact-grid{grid-template-columns:minmax(0,1fr)}
  .contact-info,.contact-info .line{min-width:0}
  .contact-info a,.contact-info span{overflow-wrap:anywhere}
}

/* ---------- Menu button (phones and small tablets) ----------
   Hidden on desktop entirely; the six links sit in the bar as they always did. */
.nav-toggle{display:none}

@media(max-width:820px){
  /* One row: logo on the left, the phone number and the button on the right. The number stays
     VISIBLE rather than going behind the button - for a broker, "call us" is the whole point and
     it should never be one tap further away than it was. */
  .bar{flex-wrap:wrap}
  .logo-lockup{order:1}
  .bar .tel{order:2;margin-left:auto}
  .nav-toggle{
    order:3;display:inline-flex;align-items:center;justify-content:center;
    width:44px;height:44px;                       /* a full-size tap target, not a 24px icon */
    margin-left:8px;padding:0;cursor:pointer;
    background:none;color:var(--charcoal);
    border:1px solid rgba(29,29,27,.18);border-radius:10px;
  }
  .nav-toggle:focus-visible{outline:2px solid var(--gold);outline-offset:2px}

  /* the three bars, which become an X when open */
  .nav-toggle__bars,
  .nav-toggle__bars::before,
  .nav-toggle__bars::after{
    display:block;width:20px;height:2px;background:currentColor;border-radius:2px;
    transition:transform .2s var(--ease-out-strong),background-color .2s var(--ease-out-strong);
  }
  .nav-toggle__bars{position:relative}
  .nav-toggle__bars::before{content:"";position:absolute;top:-6px;left:0}
  .nav-toggle__bars::after{content:"";position:absolute;top:6px;left:0}
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars{background:transparent}
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars::before{transform:translateY(6px) rotate(45deg)}
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars::after{transform:translateY(-6px) rotate(-45deg)}

  /* closed by default - this overrides the display:flex the links carry on desktop, and it is
     display:none rather than height:0 so the links are out of the tab order while hidden */
  .top-nav{display:none}
  .top-nav.is-open{
    order:4;display:flex;flex-direction:column;align-items:stretch;
    width:100%;gap:0;margin-top:8px;padding-top:4px;
    border-top:1px solid rgba(29,29,27,.08);
  }
  .top-nav.is-open a{height:48px;width:100%;padding:0 4px;font-size:15px}
}

@media (prefers-reduced-motion:reduce){
  .nav-toggle__bars,
  .nav-toggle__bars::before,
  .nav-toggle__bars::after{transition:none}
}