/* ============================================================
   Ancora Finance — site-wide styles
   Palette + type from Brand Identity Guidelines v1 (2026)
   ============================================================ */

/* ---------- Self-hosted fonts (latin subsets) ---------- */
@font-face {
  font-family: 'Cormorant Garamond';
  font-style: normal;
  font-weight: 500 700;
  font-display: swap;
  src: url("../fonts/cormorant-garamond-latin.woff2") format("woff2");
}
@font-face {
  font-family: 'Cormorant Garamond';
  font-style: italic;
  font-weight: 500 700;
  font-display: swap;
  src: url("../fonts/cormorant-garamond-italic-latin.woff2") format("woff2");
}
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("../fonts/spectral-500-latin.woff2") format("woff2");
}
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("../fonts/spectral-600-latin.woff2") format("woff2");
}
@font-face {
  font-family: 'Spectral';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("../fonts/spectral-700-latin.woff2") format("woff2");
}
@font-face {
  font-family: 'Libre Franklin';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url("../fonts/libre-franklin-latin.woff2") format("woff2");
}

/* ---------- Tokens ---------- */
:root {
  --navy: #1B2A4A;
  --navy-deep: #13203A;
  --terracotta: #C26E4A;
  --terracotta-deep: #A8552F;
  --terracotta-tint: #DDB7A2;
  --warm-grey: #E8E6E1;
  --sand: #F4F2ED;
  --paper: #FBFAF7;
  --white: #FFFFFF;
  --ink: #1B2A4A;
  --body: #3A3E4B;
  --muted: #6E7180;
  --line: #E2DFD8;
  --serif: 'Cormorant Garamond', Georgia, serif;
  --serif-solid: 'Spectral', Georgia, serif;
  --sans: 'Libre Franklin', system-ui, -apple-system, sans-serif;
  --radius: 12px;
  --shadow: 0 14px 34px rgba(27, 42, 74, .10);
  --am: url("../assets/anchor-mask.png");
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a { color: inherit; }
p { text-wrap: pretty; margin: 0 0 1em; }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.12; margin: 0 0 .45em; text-wrap: balance; }
h1 { font-family: var(--serif); font-weight: 600; font-size: clamp(40px, 5.4vw, 64px); letter-spacing: .01em; }
h2 { font-family: var(--serif); font-weight: 600; font-size: clamp(30px, 3.6vw, 42px); letter-spacing: .01em; }
h3 { font-family: var(--serif-solid); font-weight: 600; font-size: 23px; }
h4 { font-family: var(--serif-solid); font-weight: 600; font-size: 18px; }

.wrap { max-width: 1160px; margin: 0 auto; padding: 0 48px; }
section { padding: 88px 0; }
.sec-alt { background: var(--sand); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.sec-navy { background: var(--navy); }
.sec-navy h2, .sec-navy h3 { color: #fff; }
.sec-navy p { color: rgba(255, 255, 255, .78); }

.eyebrow {
  display: block;
  font-weight: 600; font-size: 12px;
  letter-spacing: .22em; text-transform: uppercase;
  color: var(--terracotta);
  margin-bottom: 16px;
}
.lede { font-size: 20px; line-height: 1.55; max-width: 64ch; }
.muted { color: var(--muted); }
.center { text-align: center; }
.center .lede { margin-left: auto; margin-right: auto; }

/* ---------- Anchor mark (recolourable mask) ---------- */
.anchor-svg {
  display: inline-block;
  height: 1em;
  aspect-ratio: 262 / 312;
  background-color: currentColor;
  vertical-align: -.08em;
  -webkit-mask: var(--am) center / contain no-repeat;
  mask: var(--am) center / contain no-repeat;
}

/* ---------- Brand lockup ---------- */
.lockup {
  display: inline-flex; align-items: center; gap: .26em;
  font-family: var(--serif); font-weight: 600;
  letter-spacing: .09em; line-height: 1;
  color: var(--navy); text-decoration: none; white-space: nowrap;
}
.lockup .anchor-svg { height: 1.02em; color: var(--terracotta); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--sans); font-weight: 600; font-size: 15.5px;
  letter-spacing: .01em; text-decoration: none; cursor: pointer;
  background: var(--terracotta); color: #fff;
  border: 1px solid var(--terracotta);
  padding: 14px 26px; border-radius: 9px;
  transition: background .15s, border-color .15s, transform .15s;
  min-height: 48px;
}
.btn:hover { background: var(--terracotta-deep); border-color: var(--terracotta-deep); }
.btn:focus-visible { outline: 3px solid var(--navy); outline-offset: 2px; }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); border-color: #fff; }
.btn-light:hover { background: var(--warm-grey); border-color: var(--warm-grey); }
.sec-navy .btn-ghost { color: #fff; border-color: rgba(255,255,255,.55); }
.sec-navy .btn-ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251, 250, 247, .88);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; height: 72px;
}
.site-header .lockup { font-size: 20px; }
.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav a:not(.btn) {
  font-size: 14px; font-weight: 500; letter-spacing: .02em;
  color: var(--muted); text-decoration: none; padding: 6px 2px;
  transition: color .15s;
}
.main-nav a:not(.btn):hover { color: var(--navy); }
.main-nav a[aria-current="page"] { color: var(--navy); box-shadow: inset 0 -2px 0 var(--terracotta); }
.main-nav .btn { padding: 10px 18px; min-height: 42px; font-size: 14px; white-space: nowrap; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--line); border-radius: 8px;
  width: 46px; height: 46px; cursor: pointer; color: var(--navy);
  align-items: center; justify-content: center;
}
.nav-toggle svg { width: 22px; height: 22px; }

/* ---------- Hero ---------- */
.hero { padding: 96px 0 0; background: var(--paper); }
.hero-grid {
  display: grid; grid-template-columns: 1.05fr .95fr;
  gap: 64px; align-items: center;
}
.hero h1 { margin-bottom: 24px; }
.hero .lede { margin-bottom: 32px; }
.hero-points { list-style: none; margin: 36px 0 0; padding: 0; display: grid; gap: 12px; }
.hero-points li { display: flex; gap: 12px; align-items: baseline; font-size: 16px; color: var(--body); }
.hero-points .anchor-svg { flex: none; font-size: 14px; color: var(--terracotta); }
.hero-photo { position: relative; }
.hero-photo img { border-radius: var(--radius); box-shadow: var(--shadow); object-fit: cover; aspect-ratio: 4 / 5; }
.hero-card {
  position: absolute; left: -28px; bottom: 28px;
  background: var(--navy); color: #fff; border-radius: 10px;
  padding: 18px 22px; box-shadow: var(--shadow);
  font-size: 13.5px; line-height: 1.5; max-width: 250px;
}
.hero-card b { display: block; font-family: var(--serif-solid); font-weight: 600; font-size: 16px; }
.hero-card .stars { color: var(--terracotta-tint); letter-spacing: .12em; font-size: 13px; }

/* ---------- Stats band ---------- */
.stats-band { background: var(--navy); padding: 44px 0; margin-top: 88px; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; text-align: center; }
.stat b {
  display: block; font-family: var(--serif); font-weight: 600;
  font-size: clamp(34px, 3.4vw, 46px); color: #fff; line-height: 1.05;
}
.stat span { font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--terracotta-tint); }

/* ---------- Cards & grids ---------- */
.grid { display: grid; gap: 24px; }
.g2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.g3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 32px;
  display: flex; flex-direction: column; gap: 0;
}
.card .anchor-svg { font-size: 28px; color: var(--terracotta); margin-bottom: 18px; }
.card h3 { margin-bottom: 8px; }
.card p { font-size: 15.5px; color: var(--muted); margin-bottom: 14px; }
.card .text-link { margin-top: auto; }
.text-link {
  font-weight: 600; font-size: 14.5px; color: var(--terracotta);
  text-decoration: none; display: inline-flex; align-items: center; gap: 6px;
}
.text-link:hover { color: var(--terracotta-deep); text-decoration: underline; }

/* ---------- How it works ---------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { counter-increment: step; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; }
.step::before {
  content: "0" counter(step);
  display: block; font-family: var(--serif); font-weight: 600;
  font-size: 40px; color: var(--terracotta); line-height: 1; margin-bottom: 16px;
}
.step h3 { font-size: 20px; }
.step p { font-size: 15.5px; color: var(--muted); margin: 0; }

/* ---------- Lender strip ---------- */
.lender-strip { display: flex; flex-wrap: wrap; gap: 12px 14px; justify-content: center; }
.lender-strip span {
  font-family: var(--serif-solid); font-weight: 600; font-size: 15px;
  color: var(--muted); background: var(--white);
  border: 1px solid var(--line); border-radius: 999px; padding: 8px 18px;
}

/* ---------- Reviews ---------- */
.review-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.review-card .stars { color: var(--terracotta); letter-spacing: .14em; margin-bottom: 12px; font-size: 15px; }
.review-card blockquote { margin: 0 0 16px; font-family: var(--serif-solid); font-size: 16.5px; line-height: 1.55; color: var(--ink); }
.review-card cite { font-style: normal; font-size: 13.5px; color: var(--muted); }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 18px;
  align-items: center; padding: 22px 4px;
  font-family: var(--serif-solid); font-weight: 600; font-size: 17.5px; color: var(--navy);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--sans); font-size: 24px; color: var(--terracotta); flex: none; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > div { padding: 0 4px 24px; font-size: 16px; color: var(--body); max-width: 68ch; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--navy); text-align: center; padding: 88px 0; }
.cta-band .anchor-svg { font-size: 44px; color: var(--terracotta); margin-bottom: 22px; }
.cta-band h2 { color: #fff; margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,.75); max-width: 56ch; margin: 0 auto 32px; }
.cta-band .btn-row { justify-content: center; }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 36px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 13.5px; font-weight: 600; color: var(--navy); letter-spacing: .02em; }
.field input, .field select, .field textarea {
  font-family: var(--sans); font-size: 16px; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line); border-radius: 8px;
  padding: 12px 14px; min-height: 48px; width: 100%;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid var(--terracotta); outline-offset: 1px; border-color: var(--terracotta);
}
.field .err { display: none; font-size: 13px; color: #B3261E; }
.field.invalid input, .field.invalid textarea, .field.invalid select { border-color: #B3261E; }
.field.invalid .err { display: block; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 14px; }
.form-status { display: none; border-radius: 10px; padding: 18px 20px; margin-top: 18px; font-size: 15px; }
.form-status.ok { display: block; background: #EEF4EC; border: 1px solid #BCD3B6; color: #2E5128; }
.form-status.fail { display: block; background: #FBEDEB; border: 1px solid #E5B8B2; color: #8C2B22; }

/* ---------- Calculators ---------- */
.calc-tabs { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }
.calc-tabs button {
  font-family: var(--sans); font-weight: 600; font-size: 15px; cursor: pointer;
  background: var(--white); color: var(--muted);
  border: 1px solid var(--line); border-radius: 999px; padding: 12px 22px; min-height: 48px;
}
.calc-tabs button[aria-selected="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.calc-panel { display: none; }
.calc-panel.active { display: block; }
.calc-steps { display: flex; gap: 8px; margin-bottom: 26px; }
.calc-steps span { flex: 1; height: 4px; border-radius: 2px; background: var(--warm-grey); }
.calc-steps span.on { background: var(--terracotta); }
.calc-result {
  background: var(--navy); color: #fff; border-radius: var(--radius);
  padding: 34px; text-align: center;
}
.calc-result .big { font-family: var(--serif); font-weight: 600; font-size: clamp(38px, 4.5vw, 54px); line-height: 1.05; display: block; }
.calc-result .cap { font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--terracotta-tint); }
.calc-result .sub { color: rgba(255,255,255,.75); font-size: 14.5px; margin: 14px 0 0; }
.calc-assume { font-size: 13px; color: var(--muted); margin-top: 16px; }
.calc-nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 26px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding: 76px 0 64px; background: var(--warm-grey); border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(36px, 4.6vw, 54px); margin-bottom: 14px; }
.page-hero .lede { margin-bottom: 0; }

/* ---------- Feature photo band ---------- */
.photo-band { padding: 72px 0; }
.wrap-wide { max-width: 1320px; margin: 0 auto; padding: 0 48px; }
.feature-figure { margin: 0; }
.feature-photo { display: block; width: 100%; border-radius: var(--radius); box-shadow: var(--shadow); object-fit: cover; }
.feature-figure figcaption {
  margin-top: 18px; text-align: center;
  font-family: var(--serif); font-size: clamp(20px, 2.4vw, 26px);
  color: var(--navy); font-style: italic;
}
@media (max-width: 720px) {
  .wrap-wide { padding: 0 20px; }
  .photo-band { padding: 52px 0; }
}

/* ---------- Revealed guide links (post-request) ---------- */
.guide-links { display: flex; flex-direction: column; gap: 12px; margin-top: 18px; }
.guide-links .btn { width: 100%; text-align: center; }

/* ---------- Service detail ---------- */
.svc { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; padding: 72px 0; border-bottom: 1px solid var(--line); }
.svc:last-of-type { border-bottom: none; }
.svc h2 { font-size: clamp(28px, 3vw, 36px); }
.svc ul { margin: 0; padding: 0 0 0 2px; list-style: none; display: grid; gap: 10px; }
.svc ul li { display: flex; gap: 12px; align-items: baseline; font-size: 15.5px; }
.svc ul .anchor-svg { flex: none; font-size: 13px; color: var(--terracotta); }
.svc-aside { background: var(--sand); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.svc-aside h3 { font-size: 18px; }
.svc-aside p { font-size: 14.5px; color: var(--muted); }

/* ---------- Flag (pre-launch placeholders) ---------- */
.flag {
  outline: 2px dashed #C9A227; outline-offset: 2px;
  background: rgba(201, 162, 39, .08); border-radius: 4px; padding: 0 4px;
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.72); padding: 72px 0 40px; font-size: 14.5px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.site-footer .lockup { color: #fff; font-size: 19px; margin-bottom: 14px; }
.site-footer h4 { color: #fff; font-size: 13px; letter-spacing: .16em; text-transform: uppercase; font-family: var(--sans); font-weight: 600; margin-bottom: 16px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.site-footer a { color: rgba(255,255,255,.72); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-tag { font-size: 11.5px; font-weight: 600; letter-spacing: .4em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 18px; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.14); padding-top: 28px; font-size: 12.5px; line-height: 1.7; color: rgba(255,255,255,.55); }
.footer-legal p { margin-bottom: 10px; }

/* ---------- Utility ---------- */
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy); color: #fff; padding: 12px 18px; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .wrap { padding: 0 28px; }
  section { padding: 64px 0; }
  .hero { padding-top: 56px; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-photo img { aspect-ratio: 16 / 11; }
  .hero-card { left: 16px; bottom: 16px; }
  .g3, .steps { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .svc { grid-template-columns: 1fr; gap: 28px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 1000px) {
  .main-nav {
    display: none;
    position: absolute; top: 72px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper); border-bottom: 1px solid var(--line);
    padding: 12px 28px 22px;
  }
  .main-nav.open { display: flex; }
  .main-nav a:not(.btn) { padding: 14px 2px; font-size: 16px; border-bottom: 1px solid var(--line); }
  .main-nav .btn { margin-top: 16px; }
  .nav-toggle { display: inline-flex; }
}
@media (max-width: 620px) {
  .g2, .g3, .steps, .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .hero h1 { font-size: 38px; }
  .calc-nav { flex-direction: column-reverse; }
  .calc-nav .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}