/* =========================================================
   Nano Business Funding — shared design system
   Archetype: trustworthy-institutional / editorial
   Palette:   warm ivory paper · deep navy ink · burnt amber
   Type:      Fraunces (display) + Public Sans (body)
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;0,9..144,600;1,9..144,400&family=Public+Sans:ital,wght@0,400;0,500;0,600;0,700;1,400&display=swap');

:root{
  --ink:#16243d;
  --ink-soft:#43506b;
  --ink-faint:#6b7791;
  --paper:#f4efe4;
  --paper-2:#ece4d4;
  --card:#fbf8f1;
  --accent:#a8631a;       /* burnt amber — accent + links */
  --accent-deep:#7e4a12;
  --line:#d8cfbc;
  --line-strong:#c4b89f;
  --positive:#2f6b4f;
  --shadow:0 18px 40px rgba(22,36,61,.08);
  --maxw:1120px;
  --gutter:clamp(1.1rem,4vw,2.4rem);
}

*,*::before,*::after{box-sizing:border-box;}

html{scroll-behavior:smooth;}

body{
  margin:0;
  font-family:"Public Sans","Helvetica Neue",Arial,sans-serif;
  color:var(--ink);
  line-height:1.6;
  background:var(--paper);
  background-image:
    radial-gradient(circle at 12% -10%, rgba(168,99,26,.06) 0, transparent 42%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='120' height='120' filter='url(%23n)' opacity='0.025'/%3E%3C/svg%3E");
  -webkit-font-smoothing:antialiased;
}

/* ---------- typography ---------- */
h1,h2,h3,h4{
  font-family:"Fraunces",Georgia,"Times New Roman",serif;
  font-weight:500;
  line-height:1.08;
  letter-spacing:-.01em;
  color:var(--ink);
  margin:0 0 .55rem;
}
h1{font-size:clamp(2.4rem,5.2vw,3.85rem);font-weight:600;letter-spacing:-.02em;}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem);}
h3{font-size:clamp(1.18rem,1.9vw,1.45rem);}
p{margin:0 0 1.05rem;color:var(--ink-soft);}
a{color:var(--accent);text-decoration:none;}
a:hover{color:var(--accent-deep);text-decoration:underline;text-underline-offset:3px;}
strong{color:var(--ink);font-weight:600;}
ul{color:var(--ink-soft);}

.lead{font-size:1.15rem;color:var(--ink-soft);max-width:60ch;}

.kicker{
  display:inline-flex;align-items:center;gap:.6rem;
  font-family:"Public Sans",sans-serif;
  text-transform:uppercase;letter-spacing:.22em;
  font-size:.72rem;font-weight:600;color:var(--accent-deep);
  margin:0 0 1rem;
}
.kicker::before{content:attr(data-num);font-family:"Fraunces",serif;font-style:italic;font-size:1rem;letter-spacing:0;color:var(--accent);}

/* ---------- layout primitives ---------- */
.wrap{width:min(var(--maxw),100%);margin-inline:auto;padding-inline:var(--gutter);}
.section{padding:clamp(3rem,7vw,5.5rem) 0;}
.section--alt{background:var(--paper-2);border-block:1px solid var(--line);}
.rule{height:1px;background:var(--line-strong);border:0;margin:0;}
.eyebrow-rule{display:flex;align-items:center;gap:1rem;margin-bottom:2.2rem;}
.eyebrow-rule .rule{flex:1;}
.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.6rem 1rem;z-index:200;}
.skip-link:focus{left:0;}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5rem;
  font-family:"Public Sans",sans-serif;font-weight:600;font-size:.95rem;
  padding:.85rem 1.4rem;border-radius:3px;border:1.5px solid var(--ink);
  background:var(--ink);color:var(--paper);cursor:pointer;
  transition:transform .16s ease, box-shadow .16s ease, background-color .16s ease;
}
.btn:hover{background:#0d1830;color:var(--paper);text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow);}
.btn--accent{background:var(--accent);border-color:var(--accent);color:#fff;}
.btn--accent:hover{background:var(--accent-deep);border-color:var(--accent-deep);color:#fff;}
.btn--ghost{background:transparent;color:var(--ink);}
.btn--ghost:hover{background:rgba(22,36,61,.06);color:var(--ink);}
.btn--lg{padding:1rem 1.7rem;font-size:1.02rem;}
.btn .arr{transition:transform .16s ease;}
.btn:hover .arr{transform:translateX(3px);}

/* ---------- header ---------- */
.topbar{background:var(--ink);color:#cdd6e6;font-size:.78rem;letter-spacing:.02em;}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding-block:.45rem;flex-wrap:wrap;gap:.4rem;}
.topbar a{color:#e7ecf5;}
.topbar .soft-note{color:#9fb0cb;}

.masthead{position:sticky;top:0;z-index:100;background:rgba(244,239,228,.9);backdrop-filter:saturate(160%) blur(8px);border-bottom:1px solid var(--line);}
.masthead .wrap{display:flex;align-items:center;justify-content:space-between;padding-block:.9rem;gap:1rem;}
.brand{display:flex;align-items:center;gap:.7rem;}
.brand:hover{text-decoration:none;}
.brand .mark{
  width:40px;height:40px;border-radius:5px;display:grid;place-items:center;
  background:var(--ink);color:var(--paper);
  font-family:"Fraunces",serif;font-weight:600;font-size:1.05rem;
  border:1px solid var(--line-strong);
}
.brand .name{display:flex;flex-direction:column;line-height:1.05;}
.brand .name b{font-family:"Fraunces",serif;font-weight:600;font-size:1.12rem;color:var(--ink);letter-spacing:-.01em;}
.brand .name span{font-size:.66rem;text-transform:uppercase;letter-spacing:.2em;color:var(--ink-faint);}

.nav{display:flex;align-items:center;gap:1.6rem;}
.nav a{color:var(--ink-soft);font-weight:500;font-size:.92rem;}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink);text-decoration:none;}
.nav a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--accent);}
.nav-cta{margin-left:.3rem;}

.nav-toggle{display:none;background:none;border:1.5px solid var(--line-strong);border-radius:4px;padding:.5rem .6rem;cursor:pointer;color:var(--ink);}

@media(max-width:880px){
  .nav{
    position:absolute;top:100%;left:0;right:0;
    flex-direction:column;align-items:flex-start;gap:0;
    background:var(--paper);border-bottom:1px solid var(--line);
    padding:.4rem var(--gutter) 1.1rem;display:none;
  }
  .nav.open{display:flex;}
  .nav a{padding:.7rem 0;width:100%;border-bottom:1px solid var(--line);}
  .nav-cta{margin:.8rem 0 0;}
  .nav-toggle{display:inline-flex;}
}

/* ---------- hero ---------- */
.hero{padding:clamp(2.6rem,6vw,4.5rem) 0 clamp(2.6rem,5vw,4rem);}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:clamp(1.6rem,4vw,3.2rem);align-items:start;}
.hero h1{margin-bottom:1.1rem;}
.hero h1 em{font-style:italic;color:var(--accent-deep);}
.hero .lead{margin-bottom:1.7rem;}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap;align-items:center;}
.hero-note{margin-top:1.4rem;font-size:.86rem;color:var(--ink-faint);display:flex;align-items:center;gap:.5rem;}
.dot{width:8px;height:8px;border-radius:50%;background:var(--positive);display:inline-block;flex:none;}

/* intake summary card (editorial framed panel, NOT a data form) */
.panel{
  background:var(--card);border:1px solid var(--line-strong);border-radius:8px;
  box-shadow:var(--shadow);overflow:hidden;
}
.panel .panel-head{
  display:flex;align-items:center;justify-content:space-between;
  padding:.9rem 1.1rem;background:var(--ink);color:#e7ecf5;font-size:.82rem;letter-spacing:.03em;
}
.panel .panel-head .tag{font-size:.68rem;text-transform:uppercase;letter-spacing:.18em;color:#9fb0cb;border:1px solid #324363;border-radius:999px;padding:.18rem .55rem;}
.panel .panel-body{padding:1.2rem 1.2rem 1.3rem;}
.step{display:flex;gap:.8rem;padding:.7rem 0;}
.step + .step{border-top:1px dashed var(--line);}
.step .num{
  flex:none;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;
  font-family:"Fraunces",serif;font-size:.86rem;
  border:1.5px solid var(--line-strong);color:var(--ink-soft);
}
.step.is-done .num{background:var(--positive);border-color:var(--positive);color:#fff;}
.step.is-now .num{border-color:var(--accent);color:var(--accent-deep);box-shadow:0 0 0 4px rgba(168,99,26,.14);}
.step b{display:block;font-size:.95rem;color:var(--ink);}
.step small{color:var(--ink-faint);}
.step .state{margin-left:auto;align-self:center;font-size:.72rem;color:var(--ink-faint);white-space:nowrap;}
.panel .panel-foot{border-top:1px solid var(--line);padding:.85rem 1.2rem;font-size:.78rem;color:var(--ink-faint);display:flex;align-items:center;gap:.5rem;}

@media(max-width:840px){.hero-grid{grid-template-columns:1fr;}}

/* ---------- generic grids / cards ---------- */
.grid{display:grid;gap:1.4rem;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr;}}
@media(max-width:620px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

.card{
  background:var(--card);border:1px solid var(--line);border-radius:7px;
  padding:1.5rem 1.4rem;transition:border-color .16s ease, transform .16s ease;
}
.card:hover{border-color:var(--line-strong);transform:translateY(-2px);}
.card .idx{font-family:"Fraunces",serif;font-style:italic;color:var(--accent);font-size:1.05rem;margin-bottom:.4rem;}
.card h3{margin-bottom:.5rem;}
.card p:last-child{margin-bottom:0;}
.card-link{display:inline-flex;align-items:center;gap:.35rem;font-weight:600;font-size:.9rem;margin-top:.4rem;}

/* product feature row */
.feature{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.5rem,4vw,3rem);align-items:center;}
.feature.flip .feature-media{order:-1;}
@media(max-width:820px){.feature,.feature.flip{grid-template-columns:1fr;}.feature.flip .feature-media{order:0;}}
.feature-media{background:var(--card);border:1px solid var(--line-strong);border-radius:8px;padding:1.5rem;box-shadow:var(--shadow);}

/* stat strip */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line-strong);border:1px solid var(--line-strong);border-radius:8px;overflow:hidden;}
@media(max-width:760px){.stats{grid-template-columns:1fr 1fr;}}
.stat{background:var(--card);padding:1.4rem 1.2rem;text-align:center;}
.stat b{display:block;font-family:"Fraunces",serif;font-size:1.7rem;font-weight:600;color:var(--ink);}
.stat span{font-size:.86rem;color:var(--ink-faint);}

/* checklist */
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:.7rem;}
.ticks li{display:flex;gap:.65rem;color:var(--ink-soft);}
.ticks li::before{content:"";flex:none;width:20px;height:20px;border-radius:50%;background:rgba(47,107,79,.12);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%232f6b4f' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:center;margin-top:.18rem;}

/* CTA band */
.cta-band{background:var(--ink);color:var(--paper);}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;padding-block:clamp(2.2rem,5vw,3.2rem);}
.cta-band h2{color:var(--paper);max-width:24ch;}
.cta-band p{color:#c2cce0;margin:.4rem 0 0;}
.cta-band .btn{border-color:var(--accent);background:var(--accent);color:#fff;}
.cta-band .btn:hover{background:var(--accent-deep);border-color:var(--accent-deep);}

/* FAQ */
.faq{display:grid;gap:.8rem;}
details{background:var(--card);border:1px solid var(--line);border-radius:6px;padding:0;overflow:hidden;}
details[open]{border-color:var(--line-strong);}
summary{cursor:pointer;list-style:none;padding:1.05rem 1.2rem;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:1rem;align-items:center;}
summary::-webkit-details-marker{display:none;}
summary::after{content:"+";font-family:"Fraunces",serif;font-size:1.3rem;color:var(--accent);transition:transform .18s ease;}
details[open] summary::after{transform:rotate(45deg);}
details .answer{padding:0 1.2rem 1.1rem;color:var(--ink-soft);}

/* prose (legal + about) */
.prose{max-width:72ch;}
.prose h2{margin-top:2.4rem;}
.prose h3{margin-top:1.6rem;}
.prose ul{padding-left:1.2rem;}
.prose li{margin-bottom:.4rem;}
.notice{
  border:1px solid var(--accent);background:rgba(168,99,26,.07);
  border-left:4px solid var(--accent);border-radius:6px;
  padding:1rem 1.2rem;margin:0 0 2rem;color:var(--ink-soft);font-size:.92rem;
}
.notice b{color:var(--accent-deep);}
.placeholder{background:rgba(168,99,26,.12);border-radius:3px;padding:0 .3em;font-style:italic;color:var(--accent-deep);}

/* footer */
.site-foot{background:#0f1a30;color:#aab6cd;font-size:.9rem;}
.site-foot .wrap{padding-block:clamp(2.4rem,5vw,3.4rem);}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:2rem;padding-bottom:2rem;border-bottom:1px solid #25334d;}
@media(max-width:760px){.foot-top{grid-template-columns:1fr;gap:1.6rem;}}
.site-foot h4{color:#e7ecf5;font-family:"Public Sans",sans-serif;font-weight:600;font-size:.78rem;text-transform:uppercase;letter-spacing:.16em;margin-bottom:.9rem;}
.site-foot a{color:#c2cce0;display:block;padding:.22rem 0;}
.site-foot a:hover{color:#fff;}
.site-foot .brand .name b{color:#fff;}
.site-foot .brand .name span{color:#7e8ba6;}
.site-foot .brand .mark{background:#1c2c49;border-color:#2c3d5d;color:#e7ecf5;}
.disclaimer{padding-top:1.6rem;font-size:.8rem;line-height:1.65;color:#8794ad;}
.disclaimer p{color:#8794ad;}
.disclaimer .placeholder{background:rgba(168,99,26,.22);color:#e9b878;}

.muted{color:var(--ink-faint);font-size:.85rem;}
.center{text-align:center;}
.mt-0{margin-top:0;}