/* Richardson Capital — site styles */
:root {
  --cream: #F7F3E8;
  --paper: #FFFDF7;
  --sand: #EADFC2;
  --green: #4E8A3E;
  --green-deep: #24401F;
  --forest: #1C3318;
  --gold: #B8962E;
  --gold-soft: #D9C27E;
  --ink: #1E2619;
  --muted: #5A6352;
  --line: #DCD2B8;
  --radius-s: 4px;
  --radius-m: 10px;
  --wrap: 1180px;
  --font: "Archivo", system-ui, -apple-system, "Segoe UI", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.6;
  font-variation-settings: "wdth" 100;
}

img, svg { display: block; max-width: 100%; }
a { color: var(--green-deep); text-underline-offset: 3px; }
a:hover { color: var(--green); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

.wrap { width: min(var(--wrap), 100% - 32px); margin-inline: auto; }
.skip { position: absolute; left: -9999px; top: 8px; background: var(--forest); color: #fff; padding: 8px 14px; z-index: 100; }
.skip:focus { left: 16px; }

h1, h2, h3 { line-height: 1.08; margin: 0; color: var(--forest); font-variation-settings: "wdth" 112; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.6rem, 6.4vw, 5.4rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.6vw, 3rem); font-weight: 800; }
h3 { font-size: 1.3rem; font-weight: 700; }
p { margin: 0 0 1em; max-width: 68ch; }
.lede { font-size: clamp(1.15rem, 1.6vw, 1.35rem); color: var(--muted); max-width: 52ch; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(247, 243, 232, 0.94); backdrop-filter: blur(8px); border-bottom: 1px solid transparent; transition: border-color .2s; }
.site-header.scrolled { border-bottom-color: var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 46px; height: auto; }
.brand-word { display: flex; flex-direction: column; line-height: 1; }
.brand-word b { color: var(--green); font-weight: 800; font-size: 1.28rem; letter-spacing: 0.01em; font-variation-settings: "wdth" 108; }
.brand-word span { color: var(--gold); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.52em; margin-top: 5px; }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav-links a { text-decoration: none; color: var(--ink); font-weight: 500; font-size: 0.98rem; }
.nav-links a:hover { color: var(--green); }
.nav-links a.btn-primary, .nav-links a.btn-primary:hover { color: #fff; }
.menu-btn { display: none; background: none; border: 1px solid var(--line); border-radius: var(--radius-s); padding: 8px 12px; font: inherit; font-weight: 600; color: var(--forest); cursor: pointer; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 15px 26px; border-radius: var(--radius-s); font: inherit; font-weight: 700; font-size: 1rem; text-decoration: none; cursor: pointer; border: 2px solid transparent; transition: background .15s, color .15s, border-color .15s; }
.btn-primary { background: var(--green); color: #fff; }
.btn-primary:hover { background: var(--green-deep); color: #fff; }
.btn-ghost { border-color: var(--forest); color: var(--forest); background: transparent; }
.btn-ghost:hover { background: var(--forest); color: var(--cream); }
.btn-gold { background: var(--gold); color: var(--forest); }
.btn-gold:hover { background: var(--gold-soft); color: var(--forest); }
.nav .btn { padding: 11px 20px; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; padding: clamp(56px, 9vw, 120px) 0 clamp(64px, 9vw, 120px); }
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr); gap: 40px; align-items: end; }
.hero h1 { max-width: 12ch; }
.hero .lede { margin-top: 28px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }
.hero-arc { position: absolute; z-index: 1; right: -6%; top: 50%; transform: translateY(-50%); width: min(720px, 68vw); pointer-events: none; }
.hero-arc path { stroke: var(--sand); stroke-width: 26; fill: none; stroke-linecap: round; stroke-linejoin: round; }
.hero-arc .draw { stroke-dasharray: 1400; stroke-dashoffset: 1400; animation: draw 1.8s cubic-bezier(.6,.05,.25,1) .2s forwards; }
.hero-arc .head { opacity: 0; animation: fadein .4s ease 1.85s forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes fadein { to { opacity: 1; } }
@media (prefers-reduced-motion: reduce) {
  .hero-arc .draw { animation: none; stroke-dashoffset: 0; }
  .hero-arc .head { animation: none; opacity: 1; }
}

.hero-terms { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-m); padding: 26px 28px; }
.hero-terms h2 { font-size: 1.05rem; font-variation-settings: "wdth" 100; color: var(--gold); font-weight: 700; margin-bottom: 14px; }
.hero-terms dl { margin: 0; display: grid; gap: 14px; }
.hero-terms div { display: flex; justify-content: space-between; gap: 16px; border-bottom: 1px solid var(--line); padding-bottom: 12px; }
.hero-terms div:last-child { border-bottom: 0; padding-bottom: 0; }
.hero-terms dt { color: var(--muted); }
.hero-terms dd { margin: 0; font-weight: 700; color: var(--forest); text-align: right; }

/* ---------- Sections ---------- */
section { scroll-margin-top: 84px; }
.section { padding: clamp(72px, 9vw, 120px) 0; }
.section-head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 32px 64px; align-items: end; margin-bottom: 56px; }
.section-head p { color: var(--muted); margin: 0; }

/* Financing list */
.products { border-top: 2px solid var(--forest); }
.product { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.4fr) minmax(0, 0.9fr); gap: 24px 48px; padding: 34px 0; border-bottom: 1px solid var(--line); }
.product h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); }
.product p { margin: 0; color: var(--ink); }
.product .use { color: var(--muted); font-size: 0.95rem; }
.product .use b { display: block; color: var(--gold); font-weight: 700; font-size: 0.9rem; margin-bottom: 4px; }

/* Process */
.process { background: var(--paper); border-block: 1px solid var(--line); }
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; counter-reset: step; }
.steps li { position: relative; padding: 0 28px 0 0; counter-increment: step; }
.steps li::before { content: counter(step); display: grid; place-items: center; width: 52px; height: 52px; border-radius: 50%; border: 2px solid var(--gold); color: var(--forest); font-weight: 800; font-size: 1.2rem; background: var(--paper); position: relative; z-index: 1; margin-bottom: 22px; }
.steps li::after { content: ""; position: absolute; top: 26px; left: 52px; right: 0; height: 2px; background: var(--line); }
.steps li:last-child::after { display: none; }
.steps h3 { margin-bottom: 8px; }
.steps p { color: var(--muted); font-size: 0.98rem; margin: 0; }

/* Calculator */
.calc { background: var(--forest); color: var(--cream); }
.calc h2 { color: var(--cream); }
.calc .section-head p { color: #C9CFBE; }
.calc-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 48px; align-items: stretch; }
.calc-inputs { display: grid; gap: 30px; }
.field-range label { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font-weight: 600; margin-bottom: 12px; }
.field-range output { font-weight: 800; font-size: 1.35rem; color: var(--gold-soft); font-variant-numeric: tabular-nums; font-variation-settings: "wdth" 110; }
input[type="range"] { width: 100%; accent-color: var(--gold); height: 28px; cursor: pointer; }
.calc-result { background: var(--cream); color: var(--ink); border-radius: var(--radius-m); padding: 34px; display: flex; flex-direction: column; justify-content: space-between; gap: 24px; }
.calc-result .label { color: var(--muted); font-weight: 600; margin: 0; }
.calc-payment { font-size: clamp(2.8rem, 6vw, 4.2rem); font-weight: 800; color: var(--green-deep); line-height: 1; font-variant-numeric: tabular-nums; font-variation-settings: "wdth" 115; margin: 8px 0 0; }
.calc-breakdown { margin: 0; display: grid; gap: 10px; border-top: 1px solid var(--line); padding-top: 18px; }
.calc-breakdown div { display: flex; justify-content: space-between; gap: 12px; }
.calc-breakdown dt { color: var(--muted); }
.calc-breakdown dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; }
.calc-note { font-size: 0.86rem; color: var(--muted); margin: 0; }

/* Fit */
.fit-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 64px; align-items: start; }
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 18px; }
.checklist li { display: grid; grid-template-columns: 28px 1fr; gap: 14px; align-items: start; }
.checklist svg { width: 28px; height: 28px; margin-top: 1px; }
.checklist b { color: var(--forest); }
.aside-quote { background: var(--paper); border-left: 4px solid var(--gold); padding: 30px 32px; border-radius: 0 var(--radius-m) var(--radius-m) 0; }
.aside-quote p { font-size: 1.2rem; color: var(--forest); font-weight: 500; }
.aside-quote p:last-child { margin: 0; font-size: 1rem; color: var(--muted); font-weight: 400; }

/* FAQ */
.faq { max-width: 860px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-child { border-top: 2px solid var(--forest); }
.faq summary { list-style: none; cursor: pointer; padding: 24px 44px 24px 0; font-weight: 700; font-size: 1.15rem; color: var(--forest); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 6px; top: 50%; width: 12px; height: 12px; border-right: 2.5px solid var(--gold); border-bottom: 2.5px solid var(--gold); transform: translateY(-70%) rotate(45deg); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq details p { color: var(--muted); padding-bottom: 8px; }

/* CTA band */
.cta-band { background: var(--green); color: #fff; padding: clamp(56px, 7vw, 88px) 0; }
.cta-band .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 28px; }
.cta-band h2 { color: #fff; max-width: 18ch; }
.cta-band p { color: #E3EEDD; margin: 12px 0 0; }

/* Footer */
.site-footer { background: var(--forest); color: #C9CFBE; padding: 64px 0 36px; font-size: 0.95rem; }
.footer-top { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, 0.6fr)); gap: 40px; padding-bottom: 40px; border-bottom: 1px solid #34502F; }
.site-footer .brand-word b { color: #8FC27D; }
.site-footer h3 { color: var(--cream); font-size: 1rem; font-variation-settings: "wdth" 100; margin-bottom: 14px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.site-footer a { color: #E6E9DD; text-decoration: none; }
.site-footer a:hover { color: var(--gold-soft); text-decoration: underline; }
.footer-brand img { width: 52px; background: var(--cream); border-radius: 50%; padding: 6px; }
.footer-brand p { margin-top: 18px; max-width: 40ch; }
.disclaimer { padding-top: 28px; font-size: 0.82rem; color: #9FA894; display: grid; gap: 10px; }
.disclaimer p { max-width: none; margin: 0; }

/* ---------- Apply page ---------- */
.page-hero { padding: clamp(48px, 7vw, 88px) 0 32px; }
.page-hero h1 { font-size: clamp(2.3rem, 5vw, 4rem); max-width: 16ch; }
.apply-grid { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(0, 0.7fr); gap: 56px; padding-bottom: 110px; align-items: start; }
.form-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-m); padding: clamp(24px, 4vw, 44px); }
fieldset { border: 0; padding: 0; margin: 0 0 36px; }
legend { font-weight: 800; font-size: 1.3rem; color: var(--forest); margin-bottom: 20px; font-variation-settings: "wdth" 110; padding: 0; }
.form-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 20px; }
.form-row .full { grid-column: 1 / -1; }
.field label { display: block; font-weight: 600; font-size: 0.95rem; margin-bottom: 6px; }
.field .opt { color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea { width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-s); background: #fff; color: var(--ink); }
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(78, 138, 62, .18); }
.consent { display: grid; grid-template-columns: 22px 1fr; gap: 12px; font-size: 0.92rem; color: var(--muted); margin-bottom: 26px; }
.consent input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--green); }
.hidden { position: absolute; left: -9999px; }
.side-panel { position: sticky; top: 100px; display: grid; gap: 28px; }
.side-panel h2 { font-size: 1.25rem; font-variation-settings: "wdth" 105; margin-bottom: 14px; }
.side-panel ul { margin: 0; padding-left: 20px; color: var(--muted); display: grid; gap: 8px; }
.side-panel .aside-quote p { font-size: 1rem; }

/* Simple pages */
.prose { padding-bottom: 110px; }
.prose h2 { font-size: 1.5rem; margin: 40px 0 12px; }
.prose p, .prose li { color: var(--muted); max-width: 72ch; }
.center-page { min-height: 62vh; display: grid; place-items: center; text-align: center; padding: 80px 0; }
.center-page img { width: 110px; margin: 0 auto 28px; }
.center-page h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); margin: 0 auto 18px; max-width: 16ch; }
.center-page p { margin: 0 auto 28px; color: var(--muted); }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero-inner, .section-head, .calc-grid, .fit-grid, .apply-grid, .footer-top { grid-template-columns: 1fr; }
  .hero-arc { width: 520px; right: -180px; top: 30%; opacity: .7; }
  .product { grid-template-columns: 1fr; gap: 10px; }
  .steps { grid-template-columns: 1fr 1fr; gap: 40px 24px; }
  .steps li::after { display: none; }
  .side-panel { position: static; }
}
@media (max-width: 760px) {
  .menu-btn { display: inline-block; }
  .nav-links { display: none; position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: var(--cream); border-bottom: 1px solid var(--line); padding: 8px 16px 20px; }
  .nav-links.open { display: flex; }
  .nav-links li a { display: block; padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav-links .btn { margin-top: 14px; border-bottom: 0; color: #fff; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .steps { grid-template-columns: 1fr; }
  .brand-word b { font-size: 1.1rem; }
  .brand img { width: 40px; }
  .hero-actions .btn { width: 100%; }
}