/* ============================================================
   Blackwolf Funding Group — Design Tokens
   ============================================================ */
:root{
  /* Color — black + blue */
  --paper:      #FFFFFF;
  --paper-dim:  #F0F3F7;
  --ink:        #0E1A2B;
  --ink-soft:   #48566B;
  --navy:       #0E1A2B;   /* dark brand surface (nav, footer, dark cards) */
  --navy-2:     #16283F;   /* dark surface hover state */
  --blue:       #1E4DB7;   /* primary brand blue — buttons, links, bold section bg */
  --blue-bright:#4C8DFF;   /* high-contrast accent blue, for use on dark surfaces */
  --line:       #E1E5EA;
  --line-on-navy: rgba(255,255,255,0.14);
  --white:      #FFFFFF;

  /* Type */
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter Tight", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  --fs-h1: clamp(2.25rem, 1.55rem + 3.2vw, 4.1rem);
  --fs-h2: clamp(1.7rem, 1.35rem + 1.6vw, 2.6rem);
  --fs-h3: 1.25rem;
  --fs-lede: clamp(1.05rem, 0.98rem + 0.3vw, 1.2rem);
  --fs-body: 1rem;
  --fs-small: 0.875rem;
  --fs-eyebrow: 0.8rem;

  /* Spacing rhythm */
  --gutter: clamp(1.25rem, 1rem + 2vw, 3rem);
  --section-pad: clamp(3.5rem, 2.8rem + 3vw, 6.5rem);
  --radius: 4px;

  color-scheme: light;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{ animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}

body{
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3{
  font-family: var(--font-display);
  color: var(--ink);
  margin: 0;
  line-height: 1.08;
  letter-spacing: -0.01em;
  font-weight: 600;
}
h1{ font-size: var(--fs-h1); font-weight: 600; }
h2{ font-size: var(--fs-h2); }
h3{ font-size: var(--fs-h3); font-weight: 600; }

p{ margin: 0; color: var(--ink-soft); }

a{ color: inherit; text-decoration: none; }

img{ max-width: 100%; display: block; }

.wrap{
  max-width: 1180px;
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}

.eyebrow{
  font-family: var(--font-body);
  font-size: var(--fs-eyebrow);
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.9rem;
}

/* Focus states — visible everywhere */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible{
  outline: 2px solid var(--navy);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.95rem 1.6rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color 160ms ease, color 160ms ease, border-color 160ms ease, transform 160ms ease;
  min-height: 44px;
}
.btn:active{ transform: translateY(1px); }
.btn-primary{ background: var(--blue); color: var(--white); }
.btn-primary:hover{ background: var(--navy-2); }
.btn-ghost{ background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover{ border-color: var(--ink); }
.btn-outline{ background: transparent; color: var(--white); border-color: var(--line-on-navy); }
.btn-outline:hover{ background: rgba(255,255,255,0.08); }
.btn-block{ width: 100%; }

/* ============================================================
   Header / Nav
   ============================================================ */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--ink);
  border-bottom: 1px solid var(--line-on-navy);
}
.header-inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 1.1rem;
  padding-bottom: 1.1rem;
}
.brand{
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: 0.03em;
  color: var(--white);
}
.brand-sub{
  font-size: 0.62em;
  font-weight: 600;
  letter-spacing: 0.12em;
  color: var(--blue-bright);
}
.brand--footer{ font-size: 1.3rem; }

.wolf-badge{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: var(--white);
  border-radius: 8px;
  padding: 4px 7px;
}
.wolf-badge img{ display: block; }
.wolf-badge--lg{ padding: 5px 8px; border-radius: 9px; }

.nav{
  display: none;
  align-items: center;
  gap: 2rem;
  font-size: 0.92rem;
  font-weight: 500;
}
.nav a{ color: rgba(255,255,255,0.75); transition: color 150ms ease; white-space: nowrap; }
.nav a:hover{ color: var(--white); }
.nav-cta{
  background: var(--blue);
  color: var(--white) !important;
  padding: 0.6rem 1.2rem;
  border-radius: var(--radius);
}
.nav-cta:hover{ background: var(--navy-2); color: var(--white) !important; }

.nav-toggle{
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  background: none;
  border: 1px solid var(--line-on-navy);
  border-radius: var(--radius);
  cursor: pointer;
  padding: 0;
  align-items: center;
}
.nav-toggle span{
  display: block;
  width: 20px;
  height: 2px;
  background: var(--white);
  transition: transform 200ms ease, opacity 200ms ease;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1){ transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2){ opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3){ transform: translateY(-7px) rotate(-45deg); }

.nav.is-open{
  display: flex;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  flex-direction: column;
  align-items: stretch;
  gap: 0;
  background: var(--ink);
  border-bottom: 1px solid var(--line-on-navy);
  padding: 0.5rem var(--gutter) 1.25rem;
}
.nav.is-open a{
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--line-on-navy);
  color: var(--white);
}
.nav.is-open .nav-cta{
  margin-top: 0.85rem;
  text-align: center;
  border-bottom: none;
}

/* ============================================================
   Hero
   ============================================================ */
.hero{ padding: clamp(2.75rem, 2.2rem + 2.5vw, 5rem) 0 var(--section-pad); }
.hero-grid{
  display: grid;
  gap: 3rem;
}
.hero-copy h1{ margin-bottom: 1.35rem; }
.lede{
  font-size: var(--fs-lede);
  color: var(--ink-soft);
  max-width: 46ch;
  margin-bottom: 2rem;
}
.hero-actions{
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.1rem;
}
.hero-fine{ font-size: var(--fs-small); color: var(--ink-soft); opacity: 0.85; }

/* Ledger card visual */
.hero-visual{ display: flex; justify-content: center; }
.ledger-card{
  width: 100%;
  max-width: 400px;
  background: var(--navy);
  color: var(--white);
  border-radius: 6px;
  padding: 1.75rem 1.6rem 1.5rem;
  box-shadow: 0 24px 48px -24px rgba(0,0,0,0.45);
}
.ledger-head{
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding-bottom: 1rem;
  margin-bottom: 1rem;
  border-bottom: 1px solid var(--line-on-navy);
  color: rgba(255,255,255,0.65);
}
.ledger-status{ color: var(--blue-bright); }
.ledger-rows{ list-style: none; margin: 0; padding: 0; }
.ledger-rows li{
  display: flex;
  justify-content: space-between;
  padding: 0.65rem 0;
  border-bottom: 1px dashed var(--line-on-navy);
  font-size: 0.92rem;
}
.ledger-rows li:last-child{ border-bottom: none; }
.ledger-rows .ok{ color: var(--blue-bright); font-weight: 600; font-size: 0.82rem; }
.ledger-foot{
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-top: 1.25rem;
  padding-top: 1.1rem;
  border-top: 1px solid var(--line-on-navy);
}
.ledger-foot span{ font-size: 0.8rem; color: rgba(255,255,255,0.65); }
.ledger-foot strong{ font-family: var(--font-display); font-size: 1.3rem; color: var(--blue-bright); }

/* ============================================================
   Calculator (signature interactive element)
   ============================================================ */
.calculator{
  background: var(--paper-dim);
  padding: var(--section-pad) 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.calc-grid{
  display: grid;
  gap: 2.5rem;
}
.calc-copy h2{ margin-bottom: 1rem; }
.calc-copy p{ max-width: 44ch; }
.calc-tool{
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 2rem;
}
.calc-tool label{
  display: block;
  font-size: var(--fs-small);
  font-weight: 600;
  margin-bottom: 0.9rem;
}
input[type="range"]{
  width: 100%;
  appearance: none;
  height: 4px;
  background: var(--line);
  border-radius: 2px;
  margin-bottom: 1rem;
}
input[type="range"]::-webkit-slider-thumb{
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--blue);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--blue);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb{
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--blue);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--blue);
  cursor: pointer;
  border: none;
}
.calc-value{
  font-family: var(--font-display);
  font-size: 1.3rem;
  margin-bottom: 1.5rem;
}
.calc-result{
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 0.5rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  margin-bottom: 0.9rem;
}
.calc-result span{ font-size: var(--fs-small); color: var(--ink-soft); }
.calc-result strong{ font-family: var(--font-display); font-size: 1.4rem; color: var(--blue); }
.calc-disclaimer{ font-size: 0.78rem; color: var(--ink-soft); opacity: 0.8; }

/* ============================================================
   Products
   ============================================================ */
.products{ padding: var(--section-pad) 0; }
.products h2{ max-width: 20ch; margin-bottom: 2.75rem; }
.product-grid{
  display: grid;
  gap: 1.25rem;
}
.product-card{
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 2rem 1.75rem;
  background: var(--white);
}
.product-card--lg{ background: var(--navy); }
.product-card--lg h3,
.product-card--lg .product-tag{ color: var(--white); }
.product-card--lg p{ color: rgba(255,255,255,0.78); }
.product-card--lg .product-index{ color: var(--blue-bright); }
.product-index{
  display: block;
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--blue);
  letter-spacing: 0.05em;
  margin-bottom: 1.25rem;
}
.product-card h3{ margin-bottom: 0.75rem; }
.product-card p{ margin-bottom: 1.1rem; }
.product-tag{
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--blue);
  margin: 0;
}

/* ============================================================
   How it works
   ============================================================ */
.how{ padding: var(--section-pad) 0; background: var(--blue); color: var(--white); }
.how .eyebrow{ color: var(--white); }
.how h2{ color: var(--white); max-width: 22ch; margin-bottom: 3rem; }
.steps{
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 2rem;
}
.steps li{ display: flex; gap: 1.25rem; }
.step-num{
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--white);
  flex-shrink: 0;
  width: 2.2rem;
}
.steps h3{ color: var(--white); margin-bottom: 0.4rem; }
.steps p{ color: rgba(255,255,255,0.78); max-width: 40ch; }

/* ============================================================
   Brokers
   ============================================================ */
.brokers{ padding: var(--section-pad) 0; background: var(--ink); color: var(--white); }
.brokers-grid{ display: grid; gap: 2.5rem; }
.brokers .eyebrow{ color: var(--blue-bright); }
.brokers h2{ color: var(--white); margin-bottom: 1.1rem; max-width: 18ch; }
.brokers-copy p{ color: rgba(255,255,255,0.75); max-width: 42ch; margin-bottom: 1.75rem; }
.brokers-list{ display: grid; gap: 1.5rem; align-content: start; }
.brokers-list div{
  border-top: 1px solid rgba(255,255,255,0.16);
  padding-top: 1.1rem;
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}
.brokers-list strong{ font-family: var(--font-display); font-size: 1.05rem; }
.brokers-list span{ color: rgba(255,255,255,0.65); font-size: 0.92rem; }

/* ============================================================
   Apply
   ============================================================ */
.apply{ padding: var(--section-pad) 0; }
.apply-grid{ display: grid; gap: 2.75rem; }
.apply-copy h2{ margin-bottom: 1rem; max-width: 16ch; }
.apply-copy p{ max-width: 40ch; margin-bottom: 1rem; }
.apply-note{ font-size: var(--fs-small); }
.apply-note a{ color: var(--blue); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

.apply-form{
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 2rem;
  display: grid;
  gap: 1.15rem;
}
.form-row label{
  display: block;
  font-size: var(--fs-small);
  font-weight: 600;
  margin-bottom: 0.4rem;
}
.form-row--split{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
input[type="text"], input[type="tel"], input[type="email"], select{
  width: 100%;
  padding: 0.75rem 0.9rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: var(--paper);
  color: var(--ink);
  min-height: 44px;
}
input:focus, select:focus{ outline: none; border-color: var(--navy); }
.form-status{
  font-size: var(--fs-small);
  font-weight: 600;
  color: var(--navy);
  min-height: 1.2em;
}
.form-status.is-error{ color: #9A3B2E; }

/* ============================================================
   Footer
   ============================================================ */
.site-footer{ background: var(--navy); color: var(--white); padding: var(--section-pad) 0 2.5rem; }
.footer-grid{
  display: grid;
  gap: 2.25rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid var(--line-on-navy);
  margin-bottom: 1.75rem;
}
.footer-brand p{ color: rgba(255,255,255,0.65); margin-top: 0.6rem; font-size: 0.92rem; }
.footer-links{ display: flex; flex-direction: column; gap: 0.75rem; font-size: 0.92rem; }
.footer-links a{ color: rgba(255,255,255,0.78); }
.footer-links a:hover{ color: var(--white); }
.footer-contact{ display: flex; flex-direction: column; gap: 0.75rem; font-size: 0.92rem; }
.footer-contact a{ color: rgba(255,255,255,0.78); }
.footer-contact a:hover{ color: var(--white); }
.footer-disclaimer p{
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  max-width: 72ch;
  margin-bottom: 0.75rem;
}

/* ============================================================
   Responsive — 768px and up
   ============================================================ */
@media (min-width: 768px){
  .nav{ display: flex; }
  .nav-toggle{ display: none; }

  .hero-grid{ grid-template-columns: 1.15fr 0.85fr; align-items: center; }
  .hero-visual{ justify-content: flex-end; }

  .calc-grid{ grid-template-columns: 0.9fr 1.1fr; align-items: start; }

  .product-grid{ grid-template-columns: repeat(2, 1fr); }

  .steps{ grid-template-columns: repeat(2, 1fr); column-gap: 2.5rem; }

  .brokers-grid{ grid-template-columns: 1.2fr 0.8fr; }

  .apply-grid{ grid-template-columns: 0.85fr 1.15fr; }

  .footer-grid{ grid-template-columns: 1.4fr 1fr 1fr; }
}

/* ============================================================
   Responsive — 1024px and up
   ============================================================ */
@media (min-width: 1024px){
  .product-grid{ grid-template-columns: repeat(4, 1fr); }
  .product-card--lg{ grid-row: span 1; }
  .steps{ grid-template-columns: repeat(4, 1fr); }
  .steps li{ flex-direction: column; gap: 0.75rem; }
  .step-num{ width: auto; }
}

/* ============================================================
   Responsive — 1440px and up
   ============================================================ */
@media (min-width: 1440px){
  .wrap{ max-width: 1320px; }
}