/* ============================================================
   CLEARPEAK LENDING — GLOBAL (customer-facing)
   Mobile-first. Forest green + warm ivory.
   ============================================================ */

:root{
  --forest:#1c3a2e; --pine:#2f6b4f; --gold:#c9932c;
  --ink:#1f2a24; --ink-soft:#3d4a42;
  --muted:#6b7a72; --line:#e4ddd0; --bg:#faf7f0;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--pine);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.wrap{max-width:100%;margin:0 auto;padding:0 16px}
h1,h2,h3,h4{color:var(--forest);margin:0 0 .5em;line-height:1.2}
h1{font-size:1.5rem}
h2{font-size:1.25rem}
.muted{color:var(--muted)}
.center{text-align:center}

/* --- Header --- */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:10px 16px;
  gap:10px;
  position:relative;
}
.brand{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--forest);font-size:.85rem}
.brand img{display:block;height:26px}
.main-nav{
  position:absolute;
  top:100%;left:0;right:0;
  background:#fff;
  border-bottom:1px solid var(--line);
  flex-direction:column;
  align-items:stretch;
  gap:0;
  padding:4px 0;
  max-height:0;
  overflow:hidden;
  transition:max-height .3s ease;
  box-shadow:0 12px 24px -18px rgba(28,58,46,.4);
}
.main-nav.open{max-height:520px}
.main-nav a{
  color:var(--ink);
  padding:14px 20px;
  border-bottom:1px solid var(--line);
  font-size:.98rem;
  display:block;
}
.main-nav a:last-child{border-bottom:0}
.main-nav .btn-primary{
  margin:12px 20px;
  text-align:center;
  border-bottom:0;
}
.nav-toggle{
  display:flex;
  background:none;
  border:0;
  padding:6px;
  cursor:pointer;
  flex-direction:column;
  gap:5px;
  justify-content:center;
}
.nav-toggle span{
  display:block;
  width:22px;height:2px;
  background:var(--forest);
  border-radius:2px;
  transition:transform .25s ease,opacity .2s ease;
}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.open span:nth-child(2){opacity:0}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.btn-primary,.btn-ghost{
  display:inline-block;
  padding:9px 15px;
  border-radius:999px;
  font-weight:600;
  text-decoration:none;
  text-align:center;
  font-size:.92rem;
}
.btn-primary{background:var(--forest);color:#fff}
.btn-primary:hover{background:var(--pine);text-decoration:none}
.btn-ghost{border:1px solid var(--line);color:var(--ink);border-radius:999px}
.btn-secondary{
  display:inline-block;
  padding:10px 16px;
  border:1px solid var(--forest);
  color:var(--forest);
  border-radius:999px;
  font-weight:600;
}

/* --- Sections --- */
section{padding:40px 0}
.grid-3{display:grid;grid-template-columns:1fr;gap:16px}
.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:13px;
  padding:18px;
  box-shadow:0 2px 10px rgba(28,58,46,.04);
}
.card h3{margin-top:0;font-size:1.05rem}

.steps{display:grid;grid-template-columns:1fr;gap:20px;counter-reset:s}
.step{position:relative;padding-left:52px}
.step::before{
  counter-increment:s;
  content:counter(s);
  position:absolute;
  left:0;top:0;
  width:40px;height:40px;
  border-radius:50%;
  background:var(--forest);
  color:#fff;
  display:grid;place-items:center;
  font-weight:700;
}

.faq details{
  border:1px solid var(--line);
  border-radius:10px;
  padding:14px 16px;
  margin-bottom:10px;
  background:#fff;
}
.faq summary{cursor:pointer;font-weight:600;color:var(--forest);font-size:.94rem}

/* --- Forms --- */
.form-card{
  max-width:100%;
  margin:0 auto;
  background:#fff;
  border:1px solid var(--line);
  border-radius:13px;
  padding:20px 18px;
}
label{display:block;font-weight:600;margin:14px 0 6px;font-size:.9rem}
input,select,textarea{
  width:100%;
  padding:12px 14px;
  border:1px solid var(--line);
  border-radius:8px;
  font:inherit;
  font-size:16px;
  background:#fff;
}
input:focus,select:focus,textarea:focus{
  outline:none;
  border-color:var(--pine);
  box-shadow:0 0 0 3px rgba(47,107,79,.15);
}
.row,.row-3{display:grid;grid-template-columns:1fr;gap:14px}
.actions{
  display:flex;
  flex-direction:column-reverse;
  gap:10px;
  margin-top:20px;
}
.actions .btn,
.actions .btn-primary-solid,
.actions .btn-outline{width:100%;text-align:center}

button{font:inherit;cursor:pointer}
.btn{
  display:inline-block;
  padding:11px 20px;
  border-radius:999px;
  font-weight:600;
  border:0;
}
.btn-primary-solid{background:var(--forest);color:#fff}
.btn-primary-solid:hover{background:var(--pine)}
.btn-outline{background:#fff;border:1px solid var(--line)}

/* --- Tables --- */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{
  width:100%;
  border-collapse:collapse;
  background:#fff;
  border-radius:10px;
  overflow:hidden;
  font-size:.85rem;
}
th,td{
  padding:9px 10px;
  text-align:left;
  border-bottom:1px solid var(--line);
  white-space:nowrap;
}
th{background:#eef3ee;color:var(--forest);font-weight:700}
tr:last-child td{border-bottom:0}

/* --- Badges --- */
.badge{
  display:inline-block;
  padding:3px 10px;
  border-radius:999px;
  font-size:.76rem;
  font-weight:600;
  white-space:nowrap;
}
.badge-info{background:#e8f0e9;color:#2f6b4f}
.badge-warn{background:#fdf3dc;color:#8a6300}
.badge-ok{background:#e2f6e6;color:#1a7a34}
.badge-bad{background:#fde4e4;color:#a32525}

/* --- Alerts --- */
.alert{padding:12px 14px;border-radius:8px;margin:12px 0;font-size:.9rem;line-height:1.55}
.alert-ok{background:#e2f6e6;color:#1a7a34}
.alert-bad{background:#fde4e4;color:#a32525}
.alert-info{background:#e8f0e9;color:#2f6b4f}
.alert-warn{background:#fdf3dc;color:#8a6300}

/* --- Footer --- */
.site-footer{background:var(--forest);color:#dbe4dd;padding:40px 0 20px;margin-top:50px}
.footer-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:24px;
}
.site-footer h4{color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}
.site-footer a{color:#dbe4dd;display:block;margin-bottom:5px;font-size:.92rem}
.site-footer a:hover{color:#fff}
.copyright{
  margin-top:24px;
  border-top:1px solid rgba(255,255,255,.1);
  padding-top:14px;
  color:#8a9a8d;
  font-size:.82rem;
}

/* --- Footer contact strip --- */
.footer-contact{
  display:flex;
  flex-direction:column;
  gap:12px;
  padding:18px 0;
  border-top:1px solid rgba(255,255,255,.1);
  margin-top:24px;
  font-size:.85rem;
}
.footer-contact a{
  display:inline-flex;
  align-items:center;
  gap:8px;
  color:#dbe4dd;
  margin:0;
}
.footer-contact a:hover{color:#fff;text-decoration:none}
.footer-contact svg{width:15px;height:15px;flex-shrink:0}

/* ============================================================
   DESKTOP
   ============================================================ */
@media(min-width:900px){
  .wrap{max-width:1120px;padding:0 22px}
  h1{font-size:2.4rem}
  h2{font-size:1.7rem}

  .header-inner{padding:14px 22px;gap:20px}
  .brand{font-size:1rem}
  .brand img{height:32px}
  .nav-toggle{display:none}
  .main-nav{
    position:static;
    max-height:none;
    overflow:visible;
    flex-direction:row;
    gap:18px;
    padding:0;
    border:0;
    background:transparent;
    box-shadow:none;
  }
  .main-nav a{
    padding:0;
    border-bottom:0;
    font-size:.95rem;
    display:inline;
  }
  .main-nav .btn-primary{margin:0}
  .btn-primary,.btn-ghost{padding:9px 16px;font-size:.95rem}

  section{padding:60px 0}
  .grid-3{grid-template-columns:repeat(3,1fr);gap:22px}
  .card{padding:24px;border-radius:14px}
  .card h3{font-size:1.15rem}

  .steps{grid-template-columns:repeat(3,1fr);gap:22px}
  .step{padding-left:60px}
  .step::before{width:44px;height:44px}

  .form-card{max-width:760px;padding:30px;border-radius:14px}
  .row{grid-template-columns:1fr 1fr;gap:16px}
  .row-3{grid-template-columns:repeat(3,1fr);gap:16px}
  .actions{flex-direction:row;justify-content:space-between;margin-top:24px}
  .actions .btn,
  .actions .btn-primary-solid,
  .actions .btn-outline{width:auto}

  table{font-size:.94rem}
  th,td{padding:11px 12px}

  .site-footer{padding:50px 0 20px;margin-top:60px}
  .footer-grid{grid-template-columns:2fr 1fr 1fr 2fr;gap:30px}
  .copyright{margin-top:30px;padding-top:16px;font-size:.85rem}

  .footer-contact{
    flex-direction:row;
    gap:28px;
    padding:22px 0;
    margin-top:30px;
    font-size:.9rem;
  }
}