/* ============================================================
   CLEARPEAK LENDING — HOME
   Warm ivory + forest green, editorial, left-aligned hero
   ============================================================ */

:root{
  --paper:#faf7f0;          /* warm ivory background */
  --paper-2:#f3eee3;        /* slightly deeper ivory */
  --card:#ffffff;
  --ink:#1f2a24;            /* deep forest-black text */
  --ink-soft:#3d4a42;
  --muted:#6b7a72;
  --line:#e4ddd0;
  --line-strong:#d2c9b8;
  --forest:#1c3a2e;         /* deep forest green */
  --forest-2:#25493a;
  --pine:#2f6b4f;           /* mid green accent */
  --pine-soft:#e8f0e9;
  --gold:#c9932c;           /* sparing accent */
  --star:#e2a92b;

  --serif:'Fraunces','Iowan Old Style','Palatino Linotype',Palatino,Georgia,serif;
  --sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}

/* ---------- HERO ---------- */
.hero{
  background:var(--paper);
  padding:72px 0 88px;
  position:relative;
  border-bottom:1px solid var(--line);
}
.hero::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(600px 400px at 90% 10%, rgba(47,107,79,.07) 0%, transparent 60%),
    radial-gradient(500px 300px at 5% 100%, rgba(201,147,44,.06) 0%, transparent 60%);
  pointer-events:none;
}
.hero .wrap{position:relative;z-index:2}

.hero-inner{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:56px;
  align-items:center;
  max-width:1180px;
  margin:0 auto;
  padding:0 28px;
}

.hero-copy{max-width:560px}

.hero-badge{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-family:var(--sans);
  font-size:.78rem;
  font-weight:600;
  letter-spacing:.08em;
  text-transform:uppercase;
  padding:8px 16px;
  border-radius:999px;
  background:#fff;
  border:1px solid var(--line-strong);
  color:var(--forest-2);
  margin-bottom:28px;
}
.hero-badge-dot{
  width:7px;height:7px;border-radius:50%;
  background:var(--pine);
  box-shadow:0 0 0 0 rgba(47,107,79,.5);
  animation:cpPulse 2.4s ease-out infinite;
}
@keyframes cpPulse{
  0%{box-shadow:0 0 0 0 rgba(47,107,79,.5)}
  70%{box-shadow:0 0 0 8px rgba(47,107,79,0)}
  100%{box-shadow:0 0 0 0 rgba(47,107,79,0)}
}

.hero-title{
  font-family:var(--serif);
  font-weight:600;
  font-size:3.4rem;
  line-height:1.06;
  letter-spacing:-.028em;
  color:var(--forest);
  margin:0 0 24px;
}
.hero-title em{
  font-style:italic;
  font-weight:400;
  color:var(--pine);
}

.hero-sub{
  font-family:var(--sans);
  font-size:1.08rem;
  line-height:1.65;
  color:var(--ink-soft);
  margin:0 0 36px;
  max-width:520px;
}

.hero-cta{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin-bottom:38px;
}

.hero-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding:16px 28px;
  border-radius:999px;
  font-family:var(--sans);
  font-weight:600;
  font-size:.98rem;
  text-decoration:none;
  border:1.5px solid transparent;
  cursor:pointer;
  transition:background .2s ease, color .2s ease, transform .12s ease, border-color .2s ease;
}
.hero-btn .arr{transition:transform .2s ease;font-family:var(--sans)}
.hero-btn:hover .arr{transform:translateX(3px)}

.hero-btn-primary{
  background:var(--forest);
  color:#fff;
}
.hero-btn-primary:hover{
  background:var(--forest-2);
  text-decoration:none;
  transform:translateY(-1px);
}

.hero-btn-ghost{
  background:transparent;
  color:var(--forest);
  border-color:var(--line-strong);
}
.hero-btn-ghost:hover{
  background:#fff;
  border-color:var(--forest);
  text-decoration:none;
}

.hero-badges{
  display:flex;
  gap:34px;
  flex-wrap:wrap;
  padding-top:24px;
  border-top:1px solid var(--line);
}
.hero-badge-item{
  display:flex;
  align-items:center;
  gap:10px;
  font-family:var(--sans);
  font-size:.82rem;
  font-weight:600;
  color:var(--ink-soft);
  line-height:1.3;
  letter-spacing:.01em;
}
.hero-badge-item svg{
  width:22px;height:22px;
  flex-shrink:0;
  color:var(--pine);
}

/* ---------- CALCULATOR CARD ---------- */
.hero-calc{
  display:flex;
  justify-content:center;
}

.calc-card{
  width:100%;
  max-width:440px;
  background:#fff;
  border-radius:24px;
  border:1px solid var(--line);
  box-shadow:
    0 1px 0 rgba(255,255,255,1) inset,
    0 30px 60px -30px rgba(28,58,46,.28),
    0 8px 20px -10px rgba(28,58,46,.12);
  overflow:hidden;
}

.calc-header{
  background:var(--forest);
  color:#fff;
  padding:22px 26px;
  display:flex;
  align-items:center;
  gap:14px;
}
.calc-header-icon{
  width:44px;height:44px;
  border-radius:12px;
  background:rgba(255,255,255,.1);
  display:grid;place-items:center;
  flex-shrink:0;
}
.calc-header-icon svg{width:22px;height:22px;stroke-width:1.6}
.calc-title{
  margin:0;
  font-family:var(--serif);
  font-size:1.15rem;
  font-weight:600;
  letter-spacing:-.01em;
  color:#fff;
}
.calc-subtitle{
  margin:3px 0 0;
  font-family:var(--sans);
  font-size:.8rem;
  color:rgba(255,255,255,.7);
}

.calc-body{
  padding:26px 26px 24px;
  background:#fff;
}
.calc-field{margin-bottom:22px}
.calc-field:last-of-type{margin-bottom:0}

.calc-row{
  display:flex;
  justify-content:space-between;
  align-items:baseline;
  margin-bottom:10px;
}
.calc-row label{
  font-family:var(--sans);
  font-size:.9rem;
  font-weight:600;
  color:var(--ink);
}
.calc-val{
  font-family:var(--sans);
  font-size:1rem;
  font-weight:700;
  color:var(--pine);
  font-variant-numeric:tabular-nums;
}

/* Slider */
.calc-field input[type=range]{
  -webkit-appearance:none;
  appearance:none;
  width:100%;
  height:4px;
  background:var(--line);
  border-radius:2px;
  outline:none;
  cursor:pointer;
  display:block;
  margin:0;
}
.calc-field input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;
  appearance:none;
  width:20px;height:20px;
  border-radius:50%;
  background:#fff;
  border:2px solid var(--pine);
  box-shadow:0 2px 6px rgba(28,58,46,.2);
  cursor:pointer;
  transition:transform .15s ease;
}
.calc-field input[type=range]::-webkit-slider-thumb:hover{
  transform:scale(1.12);
}
.calc-field input[type=range]::-moz-range-thumb{
  width:20px;height:20px;
  border-radius:50%;
  background:#fff;
  border:2px solid var(--pine);
  box-shadow:0 2px 6px rgba(28,58,46,.2);
  cursor:pointer;
}
.calc-field input[type=range]::-moz-range-progress{
  background:var(--pine);
  height:4px;
  border-radius:2px;
}
.calc-range{
  display:flex;
  justify-content:space-between;
  font-family:var(--sans);
  font-size:.74rem;
  color:var(--muted);
  margin-top:8px;
}

/* APR read-only */
.calc-field-readonly .calc-row{margin-bottom:4px}
.calc-field-readonly .calc-row label{color:var(--ink)}
.calc-field-readonly .calc-val{color:var(--pine);font-weight:700}
.calc-auto-note{
  display:flex;
  align-items:center;
  gap:8px;
  font-family:var(--sans);
  font-size:.76rem;
  color:var(--muted);
  padding:8px 0 0;
  line-height:1.4;
}
.calc-auto-note svg{
  width:14px;height:14px;
  flex-shrink:0;
  color:var(--pine);
  stroke-width:1.6;
}

/* Output */
.calc-output{
  background:var(--pine-soft);
  border-radius:14px;
  padding:22px;
  text-align:center;
  margin-top:14px;
}
.calc-output-label{
  font-family:var(--sans);
  font-size:.82rem;
  color:var(--forest-2);
  margin:0 0 6px;
  font-weight:600;
  letter-spacing:.02em;
}
.calc-output-amount{
  font-family:var(--serif);
  font-size:2rem;
  font-weight:600;
  color:var(--forest);
  letter-spacing:-.02em;
  margin:0;
  font-variant-numeric:tabular-nums;
}

.calc-split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px;
  margin-top:14px;
}
.calc-split-item{
  background:var(--paper);
  border:1px solid var(--line);
  border-radius:12px;
  padding:16px;
  text-align:center;
}
.calc-split-label{
  font-family:var(--sans);
  font-size:.74rem;
  color:var(--muted);
  margin:0 0 6px;
  font-weight:600;
  letter-spacing:.02em;
  text-transform:uppercase;
}
.calc-split-value{
  font-family:var(--serif);
  font-size:1.2rem;
  font-weight:600;
  color:var(--ink);
  margin:0;
  font-variant-numeric:tabular-nums;
}

.calc-disclaimer{
  display:flex;
  gap:10px;
  align-items:flex-start;
  margin-top:16px;
  padding:14px 16px;
  background:#fdf8ec;
  border:1px solid #ecdfc0;
  border-radius:12px;
  font-family:var(--sans);
  font-size:.76rem;
  color:#6a5219;
  line-height:1.55;
}
.calc-disclaimer svg{
  width:16px;height:16px;
  flex-shrink:0;
  color:var(--gold);
  margin-top:2px;
  stroke-width:1.6;
}

.calc-apply-btn{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  width:100%;
  margin-top:16px;
  padding:15px 22px;
  background:var(--forest);
  color:#fff;
  border-radius:999px;
  font-family:var(--sans);
  font-weight:600;
  font-size:.98rem;
  text-decoration:none;
  transition:background .2s ease, transform .12s ease;
}
.calc-apply-btn:hover{
  background:var(--forest-2);
  text-decoration:none;
  color:#fff;
  transform:translateY(-1px);
}
.calc-apply-btn .arr{transition:transform .2s ease}
.calc-apply-btn:hover .arr{transform:translateX(3px)}

/* ---------- STATS ---------- */
.stats-row{
  background:var(--card);
  padding:64px 0;
  border-bottom:1px solid var(--line);
}
.stats-inner{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:24px;
  text-align:center;
  max-width:960px;
  margin:0 auto;
  padding:0 28px;
}
.stat-n{
  font-family:var(--serif);
  font-size:2.3rem;
  font-weight:600;
  color:var(--forest);
  letter-spacing:-.025em;
  margin:0 0 6px;
}
.stat-l{
  font-family:var(--sans);
  font-size:.82rem;
  color:var(--muted);
  margin:0;
  font-weight:600;
  letter-spacing:.04em;
  text-transform:uppercase;
}

/* ---------- SECTION HEAD ---------- */
.section-head{
  text-align:center;
  max-width:680px;
  margin:0 auto 52px;
  padding:0 28px;
}
.eyebrow{
  display:inline-block;
  font-family:var(--sans);
  font-size:.74rem;
  font-weight:700;
  color:var(--pine);
  letter-spacing:.16em;
  text-transform:uppercase;
  margin-bottom:14px;
}
.eyebrow-light{color:#a8c9b4}
.section-head h2{
  font-family:var(--serif);
  font-size:2.4rem;
  font-weight:600;
  color:var(--forest);
  margin:0 0 16px;
  letter-spacing:-.025em;
  line-height:1.15;
}
.section-head p{
  font-family:var(--sans);
  font-size:1.02rem;
  color:var(--muted);
  line-height:1.6;
  margin:0;
}

/* ---------- PRODUCTS ---------- */
.products-section{
  background:var(--paper);
  padding:88px 0;
}
.products-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  gap:20px;
  max-width:1140px;
  margin:0 auto;
  padding:0 28px;
}
.product{
  display:flex;
  flex-direction:column;
  background:#fff;
  border-radius:18px;
  padding:30px 26px;
  text-decoration:none;
  color:inherit;
  border:1px solid var(--line);
  transition:transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.product:hover{
  transform:translateY(-3px);
  box-shadow:0 24px 44px -24px rgba(28,58,46,.22);
  border-color:var(--line-strong);
  text-decoration:none;
}
.product-icon{
  width:52px;height:52px;
  border-radius:14px;
  display:grid;place-items:center;
  margin-bottom:20px;
}
.product-icon svg{
  width:24px;height:24px;
  fill:none;
  stroke-width:1.7;
}
.product-icon-blue  {background:#e4ecf7;color:#2c5a94}
.product-icon-green {background:#e2f0e5;color:#2f6b4f}
.product-icon-amber {background:#f8eed3;color:#a0731c}
.product-icon-indigo{background:#e7e6f5;color:#4b4a8f}
.product-icon-pink  {background:#f7e6ec;color:#9c3c62}
.product-icon-teal  {background:#dff0ee;color:#1c6b62}

.product h3{
  font-family:var(--serif);
  font-size:1.25rem;
  font-weight:600;
  color:var(--forest);
  margin:0 0 10px;
  letter-spacing:-.015em;
}
.product p{
  font-family:var(--sans);
  font-size:.93rem;
  color:var(--muted);
  line-height:1.6;
  margin:0 0 20px;
  flex:1;
}
.product-cta{
  display:inline-flex;
  align-items:center;
  gap:6px;
  font-family:var(--sans);
  font-size:.88rem;
  font-weight:700;
  color:var(--pine);
  letter-spacing:.01em;
}
.product-cta .arr{transition:transform .2s ease}
.product:hover .product-cta .arr{transform:translateX(3px)}

/* ---------- TESTIMONIALS ---------- */
.testimonials-section{
  background:#fff;
  padding:96px 0;
}
.testimonials-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(340px,1fr));
  gap:22px;
  max-width:1140px;
  margin:0 auto;
  padding:0 28px;
}
.testimonial-card{
  background:var(--paper);
  border:1px solid var(--line);
  border-radius:18px;
  padding:28px 26px;
  display:flex;
  flex-direction:column;
}
.testimonial-head{
  display:grid;
  grid-template-columns:54px 1fr auto;
  align-items:center;
  gap:14px;
  margin-bottom:20px;
}
.testimonial-photo{
  width:54px;height:54px;
  border-radius:50%;
  object-fit:cover;
  background:var(--pine-soft);
  border:1px solid var(--line-strong);
}
.testimonial-meta{min-width:0}
.testimonial-name{
  font-family:var(--serif);
  font-size:1.02rem;
  font-weight:600;
  color:var(--forest);
  margin:0;
  letter-spacing:-.01em;
}
.testimonial-title{
  font-family:var(--sans);
  font-size:.78rem;
  color:var(--pine);
  font-weight:600;
  margin:3px 0 0;
  letter-spacing:.02em;
}
.testimonial-stars{
  display:flex;
  gap:2px;
  flex-shrink:0;
}
.testimonial-stars svg{
  width:14px;height:14px;
  color:var(--star);
}
.testimonial-quote{
  font-family:var(--serif);
  font-size:1.02rem;
  line-height:1.65;
  color:var(--ink-soft);
  margin:0;
  font-style:italic;
}

/* ---------- CTA BAND ---------- */
.cta-band{
  background:var(--forest);
  color:#fff;
  text-align:center;
  padding:88px 28px;
  position:relative;
  overflow:hidden;
}
.cta-band::before{
  content:"";
  position:absolute;inset:0;
  background:radial-gradient(700px 400px at 50% 0%, rgba(47,107,79,.35) 0%, transparent 60%);
  pointer-events:none;
}
.cta-band .wrap{position:relative;z-index:2}
.cta-band h2{
  font-family:var(--serif);
  font-size:2.4rem;
  color:#fff;
  margin:0 0 14px;
  letter-spacing:-.025em;
  font-weight:600;
}
.cta-band p{
  font-family:var(--sans);
  font-size:1.02rem;
  color:rgba(255,255,255,.72);
  margin:0 auto 32px;
  max-width:540px;
  line-height:1.6;
}
.cta-band .hero-btn-primary{
  background:#fff;
  color:var(--forest);
}
.cta-band .hero-btn-primary:hover{
  background:#f3f7f4;
}
.cta-contact{
  margin-top:26px !important;
  font-size:.9rem !important;
  color:rgba(255,255,255,.6) !important;
}
.cta-contact a{
  color:#fff;
  font-weight:600;
  text-decoration:underline;
  text-underline-offset:3px;
  text-decoration-thickness:1px;
}

/* ============================================================
   MOBILE
   ============================================================ */
@media(max-width:900px){
  .hero{padding:52px 0 64px}
  .hero-inner{
    grid-template-columns:1fr;
    gap:40px;
    padding:0 22px;
  }
  .hero-copy{max-width:none;text-align:left}
  .hero-title{font-size:2.4rem;line-height:1.1}
  .hero-sub{font-size:1rem;margin-bottom:28px}
  .hero-cta{flex-direction:column;gap:10px;margin-bottom:30px}
  .hero-btn{width:100%;padding:15px 24px;justify-content:center}
  .hero-badges{gap:20px;padding-top:22px}
  .hero-badge-item{font-size:.78rem;gap:8px}
  .hero-badge-item svg{width:18px;height:18px}

  .hero-calc{width:100%}
  .calc-card{max-width:100%}

  .stats-row{padding:44px 0}
  .stats-inner{grid-template-columns:repeat(2,1fr);gap:26px 14px;padding:0 22px}
  .stat-n{font-size:1.7rem}
  .stat-l{font-size:.72rem}

  .section-head{margin-bottom:34px;padding:0 22px}
  .section-head h2{font-size:1.65rem}
  .section-head p{font-size:.94rem}

  .products-section{padding:56px 0}
  .products-grid{grid-template-columns:1fr;gap:14px;padding:0 20px}
  .product{padding:24px 22px;border-radius:14px}
  .product-icon{width:46px;height:46px;border-radius:12px;margin-bottom:16px}
  .product-icon svg{width:22px;height:22px}
  .product h3{font-size:1.15rem}

  .testimonials-section{padding:56px 0}
  .testimonials-grid{grid-template-columns:1fr;gap:14px;padding:0 20px}
  .testimonial-card{padding:24px 22px;border-radius:14px}
  .testimonial-head{grid-template-columns:46px 1fr auto;gap:10px;margin-bottom:14px}
  .testimonial-photo{width:46px;height:46px}
  .testimonial-name{font-size:.96rem}
  .testimonial-title{font-size:.72rem}
  .testimonial-quote{font-size:.96rem}

  .cta-band{padding:60px 22px}
  .cta-band h2{font-size:1.65rem}
  .cta-band p{font-size:.94rem;margin-bottom:24px}
  .cta-contact{font-size:.82rem !important;margin-top:20px !important}
}

@media(max-width:420px){
  .hero-title{font-size:2rem}
  .hero-badges{flex-direction:column;gap:12px;align-items:flex-start}
  .stat-n{font-size:1.5rem}
  .calc-output-amount{font-size:1.7rem}
  .calc-split-value{font-size:1.05rem}
}