/* sections.css — layout styles for nav, hero, how-it-works, form, offers, faq, footer. */

/* ============================ NAV ============================ */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0); transition: background .25s, box-shadow .25s, border-color .25s; border-bottom: 1px solid transparent; }
.nav.is-scrolled { background: rgba(255,255,255,0.86); backdrop-filter: saturate(160%) blur(12px); border-bottom-color: var(--border); box-shadow: var(--sh-xs); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 70px; gap: 24px; }
.nav-brand { background: none; border: 0; cursor: pointer; padding: 0; display: inline-flex; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-link { background: none; border: 0; cursor: pointer; font-family: inherit; font-size: 15px; font-weight: 600; color: var(--ink-2); padding: 9px 14px; border-radius: var(--r-pill); transition: background .15s, color .15s; }
.nav-link:hover { color: var(--ink); background: var(--surface-3); }
.nav-cta { padding: 11px 18px; font-size: 15px; }
@media (max-width: 820px) { .nav-links { display: none; } }
@media (max-width: 540px) { .nav-cta { font-size: 0; padding: 12px; } .nav-cta::before { content: "Check rates"; font-size: 14px; } }

/* ============================ HERO ============================ */
.hero { position: relative; overflow: hidden; padding-top: clamp(40px, 6vw, 70px); padding-bottom: 28px; }
.hero-bg { position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(1100px 520px at 78% -8%, rgba(11,95,255,.10), transparent 60%),
    radial-gradient(720px 460px at 6% 12%, rgba(14,159,110,.07), transparent 55%),
    linear-gradient(180deg, #FBFCFF, #FFFFFF 42%);
}
.hero-grid { display: grid; grid-template-columns: 1.06fr 0.94fr; gap: 56px; align-items: center; padding-top: 22px; padding-bottom: 40px; }
.hero-chip { margin-bottom: 22px; }
.hero-title { font-size: clamp(38px, 5.1vw, 62px); line-height: 1.02; letter-spacing: -0.03em; }
.hero-sub { font-size: clamp(17px, 1.5vw, 20px); color: var(--ink-2); margin-top: 22px; max-width: 33ch; }
.hero-cta { display: flex; flex-direction: column; align-items: flex-start; gap: 14px; margin-top: 30px; }
.hero-points { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.hero-points li { display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 600; color: var(--ink-2); }
.hero-points svg { color: var(--positive); }
.hero-positioning { font-size: 14px; font-weight: 600; color: var(--ink-3); margin-top: 16px; max-width: 42ch; }

/* hero product preview */
.hero-preview { position: relative; }
.hp-example { font-style: normal; font-size: 10.5px; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; color: var(--ink-4); background: var(--surface-3); padding: 2px 7px; border-radius: 999px; margin-left: 4px; vertical-align: middle; }
.hp-illustrative { font-size: 11.5px; color: var(--ink-4); text-align: center; margin: 10px 0 0; font-weight: 600; }
.chip { white-space: nowrap; }
.lender-mark { display: inline-grid; place-items: center; border-radius: 13px; color: #fff; font-weight: 800; font-size: 15px; letter-spacing: 0.02em; flex: none; box-shadow: inset 0 0 0 1px rgba(255,255,255,.12); }

.hp-card { background: #fff; border: 1px solid var(--border); border-radius: var(--r-xl); box-shadow: var(--sh-lg); padding: 22px; }
.hp-pill { white-space: nowrap; }
.hp-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 6px; padding-top: 14px; border-top: 1px dashed var(--border-2); font-size: 13px; color: var(--ink-3); font-weight: 600; white-space: nowrap; }
.hp-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 14px; }
.hp-eyebrow { display: inline-flex; align-items: center; gap: 7px; font-weight: 700; color: var(--ink); font-size: 14px; }
.hp-pill { font-size: 11.5px; font-weight: 700; color: #0a7d56; background: var(--positive-050); border: 1px solid #BFEBD9; padding: 4px 9px; border-radius: 999px; }
.hp-row { display: flex; align-items: center; gap: 13px; padding: 13px; border-radius: var(--r-md); border: 1px solid var(--border); margin-bottom: 9px; }
.hp-row:hover { border-color: var(--border-2); }
.hp-row-main { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 5px; }
.hp-lender { font-weight: 700; color: var(--ink); font-size: 15px; }
.hp-figs { text-align: right; }
.hp-apr { font-weight: 800; color: var(--ink); font-size: 17px; }
.hp-mo { font-size: 12.5px; color: var(--ink-3); margin-top: 2px; }
.hp-foot { display: flex; align-items: center; justify-content: space-between; margin-top: 6px; padding-top: 14px; border-top: 1px dashed var(--border-2); font-size: 13px; color: var(--ink-3); font-weight: 600; }
.hp-foot-cta { display: inline-flex; align-items: center; gap: 6px; color: var(--primary); font-weight: 700; }
.hp-badge { position: absolute; display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid var(--border); box-shadow: var(--sh-md); border-radius: 999px; padding: 9px 14px; font-size: 13.5px; font-weight: 700; color: var(--ink); }
.hp-badge svg { color: var(--positive); }
.hp-badge--a { top: 96px; left: -30px; }
.hp-badge--b { bottom: 104px; right: -28px; }
.hp-badge--b svg { color: var(--primary); }

/* hero logo strip */
.hero-logos { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; padding-top: 18px; padding-bottom: 8px; border-top: 1px solid var(--border); }
.hero-logos-label { font-size: 13px; font-weight: 600; color: var(--ink-4); white-space: nowrap; }
.hero-logos-row { display: flex; align-items: center; gap: 30px; flex-wrap: wrap; }
.logo-word { font-weight: 800; font-size: 16px; letter-spacing: -0.01em; color: var(--ink-4); opacity: .8; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-preview { max-width: 460px; }
  .hp-badge--a { left: 0; } .hp-badge--b { right: 0; }
}

/* ============================ HOW IT WORKS ============================ */
.how { background: var(--surface-2); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.sec-head { max-width: 620px; margin-bottom: 44px; }
.sec-head.is-center { margin-inline: auto; text-align: center; }
.sec-title { font-size: clamp(28px, 3.4vw, 40px); letter-spacing: -0.025em; }
.sec-sub { font-size: clamp(16px, 1.4vw, 18.5px); color: var(--ink-3); margin-top: 16px; }
.how-grid { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.how-step { position: relative; background: #fff; border: 1px solid var(--border); border-radius: var(--r-lg); padding: 26px 22px; box-shadow: var(--sh-xs); }
.how-num { position: absolute; top: 18px; right: 20px; font-size: 13px; font-weight: 800; color: var(--ink-4); }
.how-ic { width: 50px; height: 50px; border-radius: 14px; display: grid; place-items: center; background: var(--primary-050); color: var(--primary); margin-bottom: 18px; }
.how-t { font-size: 17.5px; margin-bottom: 8px; }
.how-d { font-size: 14.5px; color: var(--ink-3); }
.how-cta { display: flex; flex-direction: column; align-items: center; gap: 14px; margin-top: 40px; }
@media (max-width: 860px) { .how-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .how-grid { grid-template-columns: 1fr; } }