/* ============================================================
   Luna Lending — Wake Forest, NC  |  Brandon Wilkinson
   Brand: deep navy + moonlit gold, Fraunces + Hanken Grotesk
   ============================================================ */
:root{
  --navy-900:#0b1f38;
  --navy-800:#102a47;
  --navy-700:#173456;
  --navy-600:#1f4267;
  --ink:#0e1c2e;
  --gold:#cfa75e;
  --gold-deep:#b78d3f;
  --cream:#f7f5ef;
  --paper:#fbfaf7;
  --slate:#5d6b7e;
  --line:#e7e2d6;
  --white:#ffffff;
  --shadow-sm:0 2px 10px rgba(11,31,56,.06);
  --shadow-md:0 14px 40px rgba(11,31,56,.12);
  --shadow-lg:0 30px 70px rgba(11,31,56,.20);
  --r:16px; --r-lg:26px;
  --maxw:1180px;
  --serif:"Fraunces",Georgia,serif;
  --sans:"Hanken Grotesk",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
section{position:relative}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.1;letter-spacing:-.01em;color:var(--navy-900)}
h1{font-size:clamp(2.3rem,5.2vw,3.9rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem)}
h3{font-size:1.32rem}
em{font-style:italic;color:var(--gold-deep)}
p{color:#374a5f}

/* ---- buttons ---- */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--sans);font-weight:700;font-size:.98rem;
  padding:.92rem 1.6rem;border-radius:999px;cursor:pointer;border:2px solid transparent;transition:.22s ease;white-space:nowrap}
.btn-gold{background:var(--gold);color:var(--navy-900);box-shadow:0 8px 22px rgba(207,167,94,.4)}
.btn-gold:hover{background:var(--gold-deep);transform:translateY(-2px);box-shadow:0 12px 28px rgba(183,141,63,.5)}
.btn-navy{background:var(--navy-800);color:#fff}
.btn-navy:hover{background:var(--navy-700);transform:translateY(-2px)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{background:transparent;border-color:var(--navy-800);color:var(--navy-800)}
.btn-outline:hover{background:var(--navy-800);color:#fff}

/* ---- top bar ---- */
.topbar{background:var(--navy-900);color:#cdd9e6;font-size:.86rem}
.topbar .wrap{display:flex;gap:1.6rem;flex-wrap:wrap;align-items:center;justify-content:center;padding:.5rem 24px}
.topbar a{color:#fff;font-weight:600}
.topbar a:hover{color:var(--gold)}

/* ---- header ---- */
header{position:sticky;top:0;z-index:60;background:rgba(251,250,247,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:.7rem 24px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;align-items:center;gap:.7rem}
.brand img{height:46px;width:auto}
.brand .nmls{font-size:.7rem;color:var(--slate);font-weight:600;letter-spacing:.04em;text-transform:uppercase}
nav.menu{display:flex;align-items:center;gap:1.6rem}
nav.menu a{font-weight:600;font-size:.96rem;color:var(--navy-800);position:relative}
nav.menu a:not(.btn):after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--gold);transition:.25s}
nav.menu a:not(.btn):hover:after{width:100%}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:6px}
.menu-toggle span{width:26px;height:2.5px;background:var(--navy-800);border-radius:2px;transition:.3s}

/* ---- hero ---- */
.hero{background:
   radial-gradient(900px 500px at 78% -10%,rgba(207,167,94,.16),transparent 60%),
   radial-gradient(700px 600px at 0% 110%,rgba(31,66,103,.12),transparent 60%),
   linear-gradient(180deg,#fbfaf7,#f1ede3)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center;padding:4.2rem 0 3.4rem}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;background:rgba(31,66,103,.08);color:var(--navy-700);
  font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:.5rem 1rem;border-radius:999px;margin-bottom:1.2rem}
.eyebrow b{color:var(--gold-deep)}
.hero h1{margin-bottom:1.1rem}
.hero-lead{font-size:1.16rem;max-width:33rem;margin-bottom:1.7rem}
.hero-cta{display:flex;gap:.9rem;flex-wrap:wrap;margin-bottom:1.8rem}
.hero-stats{display:flex;gap:2.2rem;flex-wrap:wrap}
.hero-stats .n{font-family:var(--serif);font-size:1.9rem;color:var(--navy-900);line-height:1}
.hero-stats .l{font-size:.82rem;color:var(--slate);font-weight:600}
.hero-photo{position:relative}
.hero-photo .card{background:#fff;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.hero-photo .card img{width:100%;aspect-ratio:4/5;object-fit:cover}
.hero-photo .badge{position:absolute;left:-18px;bottom:26px;background:var(--navy-900);color:#fff;
  padding:.9rem 1.2rem;border-radius:14px;box-shadow:var(--shadow-md);max-width:230px}
.hero-photo .badge .nm{font-family:var(--serif);font-size:1.1rem}
.hero-photo .badge .ti{font-size:.8rem;color:var(--gold);font-weight:700;letter-spacing:.03em}
.hero-photo .badge .nm2{font-size:.76rem;color:#aebfd0;margin-top:.2rem}

/* ---- trust strip ---- */
.trust{background:var(--navy-900);color:#dce6f0}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;padding:1.6rem 24px;text-align:center}
.trust .it b{display:block;font-family:var(--serif);font-size:1.05rem;color:#fff}
.trust .it span{font-size:.82rem;color:#9fb3c8}

/* ---- section scaffolding ---- */
.sec{padding:4.6rem 0}
.sec-tag{display:inline-block;font-weight:700;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:.7rem}
.sec-head{max-width:42rem;margin:0 auto 2.6rem;text-align:center}
.sec-head.left{margin-left:0;text-align:left}
.sec-head p{margin-top:.8rem;font-size:1.05rem}
.bg-cream{background:var(--cream)}

/* ---- product cards ---- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.card-p{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.8rem;transition:.25s;box-shadow:var(--shadow-sm)}
.card-p:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:#e0d6bf}
.card-p .ic{width:50px;height:50px;border-radius:13px;display:grid;place-items:center;font-size:1.5rem;
  background:linear-gradient(135deg,var(--navy-700),var(--navy-900));color:var(--gold);margin-bottom:1rem}
.card-p h3{margin-bottom:.5rem}
.card-p p{font-size:.96rem}
.card-p .lnk{display:inline-block;margin-top:.9rem;font-weight:700;color:var(--navy-700);font-size:.92rem}
.card-p .lnk:hover{color:var(--gold-deep)}

/* ---- about ---- */
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:3rem;align-items:center}
.about-img{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-md);border:1px solid var(--line);background:#fff}
.about-img img{width:100%;aspect-ratio:4/5;object-fit:cover}
.about-body h2{margin-bottom:1rem}
.about-body p{margin-bottom:1rem}
.pills{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.2rem}
.pill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.45rem 1rem;font-size:.86rem;font-weight:600;color:var(--navy-700)}

/* ---- calculator ---- */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.4rem;align-items:center}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:1.9rem;box-shadow:var(--shadow-md)}
.calc-card h3{margin-bottom:1.1rem}
.field{margin-bottom:1rem}
.field label{display:block;font-size:.82rem;font-weight:700;color:var(--slate);margin-bottom:.35rem}
.field input{width:100%;padding:.75rem .9rem;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:var(--sans);background:var(--paper)}
.field input:focus{outline:none;border-color:var(--gold);background:#fff}
.two{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
.result{margin-top:.4rem;background:linear-gradient(135deg,var(--navy-800),var(--navy-900));color:#fff;border-radius:14px;padding:1.2rem;text-align:center}
.result .lbl{font-size:.82rem;color:#aebfd0}
.result .num{font-family:var(--serif);font-size:2.4rem;color:var(--gold)}
.result .sub{font-size:.74rem;color:#8ea3ba}
.feature-list{list-style:none;margin-top:1rem}
.feature-list li{padding-left:1.8rem;position:relative;margin-bottom:.6rem;color:#374a5f}
.feature-list li:before{content:"✓";position:absolute;left:0;color:var(--gold-deep);font-weight:800}

/* ---- why grid ---- */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.why-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.7rem;box-shadow:var(--shadow-sm)}
.why-card .ic{font-size:1.7rem;margin-bottom:.7rem}
.why-card h3{margin-bottom:.4rem;font-size:1.15rem}
.why-card p{font-size:.95rem}

/* ---- service area ---- */
.area{background:
   radial-gradient(700px 400px at 90% 0%,rgba(207,167,94,.12),transparent 60%),
   linear-gradient(180deg,var(--navy-800),var(--navy-900));color:#dce6f0}
.area h2{color:#fff}
.area .sec-tag{color:var(--gold)}
.area-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.6rem;align-items:center}
.area-list{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.3rem}
.area-list span{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:999px;
  padding:.45rem 1rem;font-size:.88rem;font-weight:600;color:#eaf1f8}
.area p{color:#bccfe2}
.area-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:var(--r-lg);padding:1.8rem}
.area-card .nap{font-size:1rem;line-height:1.9;color:#eaf1f8}
.area-card .nap b{color:#fff}
.area-card a{color:var(--gold);font-weight:700}

/* ---- testimonials ---- */
.tg{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.7rem;box-shadow:var(--shadow-sm)}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:.6rem}
.tcard p{font-style:italic;color:#33485e;margin-bottom:1rem}
.tcard .who{font-weight:700;color:var(--navy-800);font-size:.92rem}
.tcard .who span{display:block;font-weight:500;color:var(--slate);font-size:.82rem}

/* ---- FAQ ---- */
.faq{max-width:840px;margin:0 auto}
.qa{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:.8rem;overflow:hidden}
.qa summary{list-style:none;cursor:pointer;padding:1.1rem 1.3rem;font-family:var(--serif);font-size:1.12rem;
  color:var(--navy-900);display:flex;justify-content:space-between;align-items:center;gap:1rem}
.qa summary::-webkit-details-marker{display:none}
.qa summary:after{content:"+";font-family:var(--sans);font-size:1.5rem;color:var(--gold-deep);transition:.2s}
.qa[open] summary:after{transform:rotate(45deg)}
.qa .ans{padding:0 1.3rem 1.2rem;color:#3b4f64}

/* ---- CTA band ---- */
.cta-band{background:
   radial-gradient(600px 300px at 10% 120%,rgba(207,167,94,.25),transparent 60%),
   linear-gradient(135deg,var(--navy-700),var(--navy-900));color:#fff;text-align:center}
.cta-band h2{color:#fff;margin-bottom:.8rem}
.cta-band p{color:#cddcec;max-width:38rem;margin:0 auto 1.6rem}
.cta-band .row{display:flex;gap:.9rem;justify-content:center;flex-wrap:wrap}

/* ---- page banner (subpages) ---- */
.banner{background:
   radial-gradient(700px 360px at 80% -20%,rgba(207,167,94,.16),transparent 60%),
   linear-gradient(180deg,var(--navy-800),var(--navy-900));color:#fff;padding:3.4rem 0 3rem}
.banner h1{color:#fff}
.banner .crumb{font-size:.85rem;color:#9fb3c8;margin-bottom:.7rem}
.banner .crumb a:hover{color:var(--gold)}
.banner p{color:#c5d4e4;max-width:42rem;margin-top:.7rem;font-size:1.06rem}

/* ---- contact ---- */
.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:2.4rem;align-items:start}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:1.9rem;box-shadow:var(--shadow-md)}
.form-card .field input,.form-card .field select,.form-card .field textarea{width:100%;padding:.8rem .9rem;border:1.5px solid var(--line);
  border-radius:10px;font-size:1rem;font-family:var(--sans);background:var(--paper)}
.form-card textarea{resize:vertical;min-height:110px}
.form-card .field input:focus,.form-card .field select:focus,.form-card .field textarea:focus{outline:none;border-color:var(--gold);background:#fff}
.info-card{background:linear-gradient(135deg,var(--navy-800),var(--navy-900));color:#dce6f0;border-radius:var(--r-lg);padding:1.9rem}
.info-card h3{color:#fff;margin-bottom:1rem}
.info-row{display:flex;gap:.8rem;align-items:flex-start;margin-bottom:1.1rem}
.info-row .ic{font-size:1.2rem;color:var(--gold)}
.info-row b{color:#fff;display:block;font-size:.95rem}
.info-row a,.info-row span{color:#bccfe2;font-size:.95rem}
.info-row a:hover{color:var(--gold)}

/* ---- article (guide) ---- */
.article{max-width:760px;margin:0 auto;padding:3.4rem 0}
.article h2{margin:2rem 0 .8rem}
.article h3{margin:1.4rem 0 .5rem;font-size:1.2rem}
.article p{margin-bottom:1rem;font-size:1.06rem}
.article ul{margin:0 0 1.2rem 1.2rem}
.article li{margin-bottom:.5rem}
.callout{background:var(--cream);border-left:4px solid var(--gold);border-radius:0 12px 12px 0;padding:1.2rem 1.4rem;margin:1.6rem 0}
.callout b{color:var(--navy-900)}

/* ---- footer ---- */
footer{background:var(--navy-900);color:#aebfd0;padding:3.2rem 0 1.6rem}
.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:2rem}
footer .brand img{height:42px}
footer .f-brand p{color:#9fb3c8;font-size:.92rem;margin-top:.9rem;max-width:24rem}
footer h4{color:#fff;font-family:var(--sans);font-size:.86rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:.9rem}
footer .f-col a{display:block;color:#aebfd0;font-size:.92rem;margin-bottom:.55rem}
footer .f-col a:hover{color:var(--gold)}
.socials{display:flex;gap:.6rem;margin-top:1rem}
.socials a{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;background:rgba(255,255,255,.07);font-size:1.05rem}
.socials a:hover{background:rgba(207,167,94,.22)}
.f-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2.2rem;padding-top:1.4rem;font-size:.8rem;color:#8298b0;line-height:1.7}
.f-bottom a{color:#bccfe2;text-decoration:underline}

/* ---- responsive ---- */
@media(max-width:960px){
  nav.menu{position:fixed;inset:0 0 0 auto;width:min(78vw,320px);background:var(--navy-900);flex-direction:column;
    align-items:flex-start;gap:1.2rem;padding:5rem 1.8rem;transform:translateX(100%);transition:.32s;z-index:55}
  nav.menu.open{transform:translateX(0)}
  nav.menu a{color:#eaf1f8;font-size:1.05rem}
  nav.menu a:not(.btn):after{display:none}
  .menu-toggle{display:flex;z-index:60}
  .menu-toggle.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .menu-toggle.open span:nth-child(2){opacity:0}
  .menu-toggle.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .hero-grid,.about-grid,.calc-grid,.area-grid,.contact-grid{grid-template-columns:1fr}
  .hero-photo{max-width:380px;margin:0 auto;order:-1}
  .cards,.why-grid,.tg{grid-template-columns:1fr 1fr}
  .trust .wrap{grid-template-columns:1fr 1fr}
  .f-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .cards,.why-grid,.tg,.f-grid{grid-template-columns:1fr}
  .two{grid-template-columns:1fr}
  .hero-stats{gap:1.4rem}
  .topbar .wrap{gap:.8rem;font-size:.78rem}
}