/* ==========================================================================
   LendersHub — Design tokens
   Palette: modern fintech — indigo accent on near-white, dark navy panels.
   Display & body: Inter (single grotesk family, heavier weights for headlines)
   Data/mono: IBM Plex Mono — numbers and transaction rows read like a ledger
   ========================================================================== */

:root{
  --ink:        #0B0F19;   /* near-black navy */
  --ink-soft:   #565F6D;
  --paper:      #FFFFFF;   /* page background */
  --paper-2:    #F3F4F7;   /* recessed panel (cards, table stripes) */
  --vault:      #4F46E5;   /* primary — indigo accent */
  --vault-deep: #372FBF;
  --vault-100:  #ECEBFD;
  --amber:      #D97706;   /* overdue / attention accent, used sparingly */
  --slate:      #2563EB;   /* secondary data accent */
  --rule:       #E3E5EA;   /* hairline rule on paper */
  --rule-dark:  rgba(11,15,25,0.10);
  --shadow:     0 1px 2px rgba(16,24,40,0.04), 0 4px 16px rgba(16,24,40,0.06);

  --font-display: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body:    'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono:    'IBM Plex Mono', ui-monospace, monospace;

  --container: 1120px;
}

*, *::before, *::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
h1,h2,h3,h4{ font-family:var(--font-display); margin:0; font-weight:800; letter-spacing:-0.02em; }
p{ margin:0; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; }

:focus-visible{
  outline:2px solid var(--vault);
  outline-offset:3px;
}

.wrap{
  max-width:var(--container);
  margin:0 auto;
  padding:0 28px;
}

.eyebrow{
  font-family:var(--font-mono);
  font-size:12.5px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--vault-deep);
  display:flex;
  align-items:center;
  gap:10px;
}
.eyebrow::before{
  content:"";
  width:16px;
  height:1px;
  background:var(--vault);
  display:inline-block;
}

/* ---------- Nav ---------- */
.site-nav{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,0.85);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--rule-dark);
}
.site-nav .wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  height:76px;
}
.logo{
  font-family:var(--font-display);
  font-weight:600;
  font-size:22px;
  color:var(--ink);
  display:flex;
  align-items:center;
  gap:9px;
}
.logo .mark{
  width:11px;height:11px;
  background:var(--vault);
  display:inline-block;
  border-radius:4px;
  transform:rotate(45deg);
}
.by-tag{
  font-family:var(--font-mono);
  font-size:10px;
  font-weight:600;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--vault-deep);
  background:var(--vault-100);
  padding:4px 10px;
  border-radius:999px;
  margin-left:8px;
}
@media (max-width:480px){ .by-tag{ display:none; } }
.nav-links{
  display:flex;
  align-items:center;
  gap:34px;
  font-size:14.5px;
  font-weight:500;
}
.nav-links a{
  color:var(--ink-soft);
  padding:6px 0;
  border-bottom:1px solid transparent;
  transition:color .15s ease, border-color .15s ease;
}
.nav-links a:hover, .nav-links a[aria-current="page"]{
  color:var(--vault-deep);
  border-color:var(--vault);
}
.nav-cta{ display:flex; align-items:center; gap:18px; }
.hamburger{ display:none; background:none; border:0; padding:8px; }
.hamburger span{ display:block; width:22px; height:2px; background:var(--ink); margin:5px 0; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  font-size:14.5px;
  font-weight:600;
  padding:13px 24px;
  border-radius:999px;
  border:1px solid transparent;
  transition:transform .12s ease, background .15s ease, border-color .15s ease, color .15s ease, box-shadow .15s ease;
  white-space:nowrap;
}
.btn:active{ transform:translateY(1px); }
.btn-primary{ background:var(--vault); color:#fff; box-shadow:0 2px 10px rgba(79,70,229,0.28); }
.btn-primary:hover{ background:var(--vault-deep); }
.btn-ghost{ border-color:var(--rule); color:var(--ink); background:transparent; }
.btn-ghost:hover{ border-color:var(--vault); color:var(--vault-deep); }
.btn-block{ width:100%; }

/* ---------- Hero ---------- */
.hero{
  padding:88px 0 56px;
  border-bottom:1px solid var(--rule-dark);
  scroll-margin-top:76px;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.15fr 0.85fr;
  gap:56px;
  align-items:center;
}
.hero h1{
  font-size:clamp(38px, 4.4vw, 60px);
  line-height:1.04;
  margin:18px 0 22px;
  color:var(--ink);
}
.hero h1 em{
  font-style:normal;
  color:var(--vault);
}
.hero p.lede{
  font-size:18px;
  color:var(--ink-soft);
  max-width:52ch;
  margin-bottom:32px;
}
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; }

.hero-panel{
  background:var(--ink);
  color:var(--paper);
  border-radius:20px;
  padding:26px 24px;
  position:relative;
  box-shadow:0 20px 48px rgba(11,15,25,0.28);
}
.hero-panel .panel-label{
  font-family:var(--font-mono);
  font-size:11.5px;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:#8891A8;
  display:flex;
  justify-content:space-between;
  margin-bottom:16px;
}
.panel-row{
  display:flex;
  justify-content:space-between;
  align-items:baseline;
  padding:10px 0;
  border-top:1px solid rgba(246,243,234,0.12);
  font-family:var(--font-mono);
  font-size:13px;
}
.panel-row:first-of-type{ border-top:none; }
.panel-row .status{
  padding:2px 8px;
  border-radius:2px;
  font-size:11px;
  letter-spacing:.04em;
}
.status.paid{ background:rgba(76,175,140,0.18); color:#8FD9BB; }
.status.due{ background:rgba(193,115,44,0.22); color:#E4A468; }
.status.new{ background:rgba(43,69,112,0.28); color:#9CB4E0; }
.panel-amt{ color:#F6F3EA; }

/* ---------- Ledger ticker (signature element) ---------- */
.ticker{
  background:var(--vault-deep);
  border-bottom:1px solid var(--rule-dark);
  overflow:hidden;
  padding:13px 0;
}
.ticker-track{
  display:flex;
  width:max-content;
  animation:ticker-scroll 38s linear infinite;
  gap:0;
}
@media (prefers-reduced-motion: reduce){
  .ticker-track{ animation:none; overflow-x:auto; }
}
.ticker-item{
  font-family:var(--font-mono);
  font-size:12.5px;
  color:#DCE9E2;
  white-space:nowrap;
  padding:0 26px;
  display:flex;
  align-items:center;
  gap:10px;
  border-right:1px solid rgba(246,243,234,0.14);
}
.ticker-item b{ color:#F6F3EA; font-weight:600; }
.ticker-item .tag{
  font-size:10.5px;
  letter-spacing:.08em;
  padding:2px 6px;
  border-radius:2px;
}
.tag.disbursed{ background:rgba(43,69,112,0.35); color:#AEC2EC; }
.tag.collected{ background:rgba(76,175,140,0.22); color:#9FE0C0; }
.tag.overdue{ background:rgba(193,115,44,0.3); color:#F0B27E; }

@keyframes ticker-scroll{
  from{ transform:translateX(0); }
  to{ transform:translateX(-50%); }
}

/* ---------- Sections ---------- */
section{ padding:84px 0; }
.section-head{ max-width:640px; margin-bottom:48px; }
.section-head h2{ font-size:clamp(28px,3vw,38px); margin-top:14px; }
.section-head p{ color:var(--ink-soft); margin-top:14px; font-size:16.5px; }

.section-alt{ background:var(--paper-2); border-top:1px solid var(--rule-dark); border-bottom:1px solid var(--rule-dark); }

/* Problem / old-way cards */
.old-way{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1px;
  background:var(--rule);
  border:1px solid var(--rule);
  border-radius:16px;
  overflow:hidden;
}
.old-way > div{
  background:var(--paper);
  padding:28px 26px;
}
.old-way h4{
  font-family:var(--font-mono);
  font-size:13px;
  color:var(--amber);
  text-transform:uppercase;
  letter-spacing:.06em;
  margin-bottom:10px;
}
.old-way p{ color:var(--ink-soft); font-size:15px; }

/* Value grid */
.value-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:24px;
}
.value-card{
  border:1px solid var(--rule);
  border-radius:16px;
  padding:26px 22px;
  background:var(--paper);
  box-shadow:var(--shadow);
  transition:border-color .15s ease, transform .15s ease, box-shadow .15s ease;
}
.value-card:hover{ border-color:var(--vault); transform:translateY(-2px); box-shadow:0 12px 28px rgba(16,24,40,0.10); }
.value-card .icon{
  width:34px;height:34px;
  border-radius:8px;
  background:var(--vault-100);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:16px;
  color:var(--vault-deep);
}
.value-card h4{ font-family:var(--font-body); font-size:16.5px; font-weight:700; margin-bottom:8px; }
.value-card p{ font-size:14.5px; color:var(--ink-soft); }

/* Process (legitimate sequence — loan lifecycle) */
.process{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:0;
  border-top:1px solid var(--rule);
}
.process-step{
  padding:28px 24px 0;
  border-right:1px solid var(--rule);
  position:relative;
}
.process-step:last-child{ border-right:none; }
.process-step .num{
  font-family:var(--font-mono);
  font-size:12px;
  color:var(--vault);
  position:relative;
  top:-14px;
  background:var(--paper);
  display:inline-block;
  padding-right:8px;
}
.process-step h4{ font-size:17px; margin-bottom:8px; }
.process-step p{ font-size:14px; color:var(--ink-soft); }

/* Split / reach */
.split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:64px;
  align-items:center;
}
.split-copy .eyebrow{ margin-bottom:16px; }
.split-copy h2{ font-size:clamp(26px,3vw,34px); margin-bottom:16px; }
.split-copy p{ color:var(--ink-soft); font-size:16px; margin-bottom:14px; }
.checklist li{
  display:flex; gap:10px; align-items:flex-start;
  font-size:15px; color:var(--ink-soft); padding:7px 0;
}
.checklist li::before{
  content:"—";
  color:var(--vault);
  font-weight:700;
}

/* Table (pricing / comparison) */
.ledger-table{
  width:100%;
  border-collapse:collapse;
  font-size:14.5px;
}
.ledger-table th, .ledger-table td{
  padding:14px 18px;
  border-bottom:1px solid var(--rule);
  text-align:left;
}
.ledger-table thead th{
  font-family:var(--font-mono);
  font-size:11.5px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--ink-soft);
  border-bottom:1px solid var(--ink);
}
.ledger-table tbody tr:nth-child(odd){ background:var(--paper-2); }
.ledger-table td.num, .ledger-table th.num{ font-family:var(--font-mono); }

/* Billing period toggle */
.billing-toggle{
  display:flex;
  width:max-content;
  margin:0 auto 40px;
  padding:4px;
  background:var(--paper-2);
  border:1px solid var(--rule);
  border-radius:30px;
  gap:2px;
}
.toggle-btn{
  border:0;
  background:transparent;
  padding:9px 20px;
  border-radius:26px;
  font-size:14px;
  font-weight:600;
  color:var(--ink-soft);
  transition:background .15s ease, color .15s ease;
}
.toggle-btn.active{ background:var(--vault); color:var(--paper); }

/* Pricing cards */
.tier-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
.tier{
  border:1px solid var(--rule);
  border-radius:18px;
  background:var(--paper);
  padding:30px 26px;
  display:flex;
  flex-direction:column;
  gap:18px;
  box-shadow:var(--shadow);
}
.tier.featured{
  border-color:var(--vault);
  background:var(--ink);
  color:var(--paper);
  box-shadow:0 20px 44px rgba(11,15,25,0.24);
}
.tier.featured .tier-price, .tier.featured h3{ color:var(--paper); }
.tier.featured .checklist li{ color:#C7C9E0; }
.tier.featured .checklist li::before{ color:#9C9BF0; }
.tier-name{ font-family:var(--font-mono); font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:var(--vault); }
.tier.featured .tier-name{ color:#9C9BF0; }
.tier-price{
  display:flex;
  align-items:baseline;
  gap:6px;
  font-family:var(--font-mono);
  font-variant-numeric:tabular-nums;
}
.tier-price .price-amount{
  font-size:46px;
  font-weight:700;
  letter-spacing:-0.02em;
  color:var(--vault-deep);
}
.tier.featured .price-amount{ color:var(--paper); }
.tier-price .price-unit{ font-family:var(--font-body); font-size:15px; color:var(--ink-soft); font-weight:500; }
.tier.featured .price-unit{ color:#A9ADC4; }
.tier-desc{ font-size:14.5px; color:var(--ink-soft); }
.tier.featured .tier-desc{ color:#C7C9E0; }

/* CTA banner */
.cta-banner{
  background:var(--vault-deep);
  color:var(--paper);
  border-radius:24px;
  padding:56px 48px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:32px;
}
.cta-banner h2{ font-size:clamp(24px,2.6vw,32px); color:var(--paper); max-width:20ch; }
.cta-banner p{ color:#C9CBEA; margin-top:10px; }

/* Forms */
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.field{ display:flex; flex-direction:column; gap:7px; margin-bottom:18px; }
.field.full{ grid-column:1 / -1; }
.field label{ font-size:13px; font-weight:600; color:var(--ink-soft); }
.field input, .field select, .field textarea{
  font-family:var(--font-body);
  font-size:15px;
  padding:12px 14px;
  border:1px solid var(--rule);
  border-radius:10px;
  background:var(--paper);
  color:var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline:none;
  border-color:var(--vault);
  box-shadow:0 0 0 3px var(--vault-100);
}
.field textarea{ resize:vertical; min-height:110px; }

/* Footer */
footer{
  border-top:1px solid var(--rule-dark);
  padding:48px 0 36px;
  background:var(--paper);
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr;
  gap:32px;
  margin-bottom:36px;
}
.footer-by{
  font-family:var(--font-mono);
  font-size:11px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--ink-soft);
  margin-top:6px;
}
.footer-grid h5{
  font-family:var(--font-mono);
  font-size:12px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--ink-soft);
  margin-bottom:14px;
}
.footer-grid ul li{ padding:5px 0; }
.footer-grid ul a{ color:var(--ink-soft); font-size:14.5px; }
.footer-grid ul a:hover{ color:var(--vault-deep); }
.footer-bottom{
  display:flex; justify-content:space-between; align-items:center;
  padding-top:24px; border-top:1px solid var(--rule-dark);
  font-size:13px; color:var(--ink-soft);
}

/* Page hero (section intros within the one-page layout) */
.page-hero{ padding:64px 0 48px; border-bottom:1px solid var(--rule-dark); scroll-margin-top:76px; }
.page-hero h1, .page-hero h2{ font-size:clamp(32px,4vw,48px); margin-top:16px; }
.page-hero p{ font-size:17px; color:var(--ink-soft); max-width:60ch; margin-top:16px; }

/* Feature detail rows */
.feature-row{
  display:grid;
  grid-template-columns:0.9fr 1.4fr;
  gap:48px;
  padding:44px 0;
  border-top:1px solid var(--rule-dark);
  align-items:start;
}
.feature-row:first-of-type{ border-top:none; }
.feature-row .idx{ font-family:var(--font-mono); color:var(--vault); font-size:13px; }
.feature-row h3{ font-size:23px; margin:10px 0 12px; }
.feature-row p{ color:var(--ink-soft); font-size:15.5px; }
.feature-tags{ display:flex; flex-wrap:wrap; gap:8px; margin-top:16px; }
.feature-tags span{
  font-family:var(--font-mono);
  font-size:11.5px;
  padding:5px 10px;
  border:1px solid var(--rule);
  border-radius:999px;
  color:var(--ink-soft);
}

/* Note / illustrative disclaimer */
.note{
  font-size:13.5px;
  color:var(--ink-soft);
  border-left:2px solid var(--rule);
  padding-left:14px;
  margin-top:12px;
}

/* Responsive */
@media (max-width: 920px){
  .hero-grid, .split{ grid-template-columns:1fr; }
  .value-grid{ grid-template-columns:repeat(2,1fr); }
  .old-way{ grid-template-columns:1fr; }
  .process{ grid-template-columns:1fr 1fr; }
  .process-step{ border-bottom:1px solid var(--rule); padding-bottom:24px; }
  .tier-grid{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr 1fr; }
  .feature-row{ grid-template-columns:1fr; gap:16px; }
  .form-grid{ grid-template-columns:1fr; }
  .cta-banner{ flex-direction:column; align-items:flex-start; }
}
@media (max-width: 700px){
  .nav-links{ display:none; }
  .hamburger{ display:block; }
  .value-grid{ grid-template-columns:1fr; }
}