/* CJ the Lender — site design system
   Paper cream + chocolate ink from CJ's flyer, green from ARV Desk. */
:root{
  --paper:#F6EFE9;
  --paper-deep:#EFE5DC;
  --card:#FFFFFF;
  --ink:#241812;
  --ink-soft:#6B584B;
  --line:#E4D8CD;
  --green:#16A34A;
  --green-deep:#0E5A31;
  --green-wash:#EAF6EE;
  --green-border:#BFE6CC;
  --amber:#996A12;
  --r:14px;
  --shadow:0 1px 3px rgba(36,24,18,.07);
  --display:'Anton',Impact,sans-serif;
  --body:'Inter',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{background:var(--paper);color:var(--ink);font-family:var(--body);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-deep)}
button{font-family:inherit;cursor:pointer}
input,select,textarea{font-family:inherit;font-size:.95rem;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:9px;padding:.6rem .75rem;width:100%}
input:focus,select:focus,textarea:focus,button:focus-visible,a:focus-visible{outline:2.5px solid var(--green);outline-offset:2px}
label{display:block;font-size:.8rem;font-weight:600;margin-bottom:.3rem}

/* type */
.display{font-family:var(--display);text-transform:uppercase;line-height:.95;letter-spacing:.01em;font-weight:400}
h1.display{font-size:clamp(2.6rem,7vw,4.6rem)}
h2.display{font-size:clamp(1.7rem,4vw,2.4rem);margin-bottom:1.1rem}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--green-deep);margin-bottom:.6rem}
.lede{font-size:1.08rem;color:var(--ink-soft);max-width:60ch}

/* layout */
.wrap{max-width:1120px;margin:0 auto;padding:0 1.3rem}
section{padding:3.2rem 0}
section.tight{padding:2.2rem 0}
.band{background:var(--paper-deep)}
.band-dark{background:var(--ink);color:var(--paper)}
.band-dark .lede{color:#CBB9AC}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
@media(max-width:860px){.grid2,.grid3{grid-template-columns:1fr}}

/* header */
header.site{position:sticky;top:0;z-index:20;background:rgba(246,239,233,.94);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
header.site .bar{display:flex;align-items:center;gap:1rem;padding:.75rem 1.3rem;max-width:1120px;margin:0 auto}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--ink)}
.brand .mark{font-family:var(--display);background:var(--ink);color:var(--paper);border-radius:9px;padding:.25rem .5rem;font-size:1rem;letter-spacing:.03em}
.brand .name{font-weight:800;font-size:1rem;letter-spacing:.01em}
nav.main{margin-left:auto;display:flex;gap:.15rem;flex-wrap:wrap}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.86rem;padding:.45rem .7rem;border-radius:8px}
nav.main a:hover{background:var(--paper-deep)}
nav.main a.active{background:var(--ink);color:var(--paper)}
nav.main a.cta{background:var(--green);color:#fff;margin-left:.3rem}
nav.main a.cta:hover{background:var(--green-deep)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:.4rem .7rem;font-weight:700}
@media(max-width:920px){
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;padding:.6rem 1rem 1rem}
  nav.main.open{display:flex}
  .menu-btn{display:block}
}

/* hero terms stack — the flyer signature */
.termstack{font-family:var(--display);text-transform:uppercase;line-height:1.14;font-size:clamp(1.15rem,2.6vw,1.6rem)}
.termstack .hd{color:var(--green-deep);font-size:.72em;margin-bottom:.15rem}
.termstack div span{color:var(--green-deep)}
.stackcard{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.3rem 1.4rem;box-shadow:var(--shadow)}

/* cards, buttons, pills */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.4rem 1.5rem;box-shadow:var(--shadow)}
.btn{display:inline-block;border:none;border-radius:10px;padding:.75rem 1.4rem;font-weight:700;font-size:.95rem;text-decoration:none;text-align:center}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-deep)}
.btn-dark{background:var(--ink);color:var(--paper)}
.btn-dark:hover{background:#3A2A1F}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}
.btn-ghost:hover{background:var(--paper-deep)}
.pill{display:inline-flex;align-items:center;border-radius:999px;padding:.25rem .8rem;font-size:.76rem;font-weight:700;background:var(--green-wash);color:var(--green-deep);border:1px solid var(--green-border)}
.badges{display:flex;gap:.5rem;flex-wrap:wrap}

/* stats */
.stats{display:flex;gap:2.4rem;flex-wrap:wrap}
.stat .n{font-family:var(--display);font-size:2.3rem;line-height:1}
.stat .l{font-size:.8rem;font-weight:600;color:var(--ink-soft);letter-spacing:.06em;text-transform:uppercase}

/* tables */
table.terms{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
table.terms th{background:var(--ink);color:var(--paper);text-align:left;padding:.7rem .9rem;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase}
table.terms td{padding:.7rem .9rem;border-bottom:1px solid var(--line)}
table.terms tr:last-child td{border-bottom:none}
table.terms td:first-child{font-weight:600}
.tablewrap{overflow-x:auto;border-radius:var(--r)}

/* reviews */
.review{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.2rem 1.3rem;box-shadow:var(--shadow)}
.review .stars{color:#F5A623;letter-spacing:.1em;font-size:.9rem}
.review p{font-size:.92rem;margin:.5rem 0 .7rem}
.review .who{font-weight:700;font-size:.85rem}
.review .src{font-size:.74rem;color:var(--ink-soft)}

/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-bottom:.8rem}
form .row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:.8rem;margin-bottom:.8rem}
@media(max-width:700px){form .row,form .row3{grid-template-columns:1fr}}
form .field{margin-bottom:.8rem}
.formnote{font-size:.78rem;color:var(--ink-soft);margin-top:.6rem}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;counter-reset:step}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.1rem 1.2rem;counter-increment:step}
.step::before{content:counter(step,decimal-leading-zero);font-family:var(--display);color:var(--green);font-size:1.5rem;display:block;margin-bottom:.3rem}
.step h3{font-size:.95rem;margin-bottom:.3rem}
.step p{font-size:.85rem;color:var(--ink-soft)}

/* FAQ */
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;margin-bottom:.7rem}
details.faq summary{font-weight:700;cursor:pointer;font-size:.98rem}
details.faq p{margin-top:.6rem;font-size:.92rem;color:#3D2F26}

/* footer */
footer.site{background:var(--ink);color:#D8C7BA;padding:2.6rem 0 2rem;margin-top:3rem}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem}
@media(max-width:760px){footer.site .cols{grid-template-columns:1fr}}
footer.site a{color:#F0E6DD;text-decoration:none}
footer.site a:hover{text-decoration:underline}
footer.site .fbrand{font-family:var(--display);font-size:1.4rem;color:var(--paper);text-transform:uppercase}
footer.site ul{list-style:none;margin-top:.6rem}
footer.site li{margin-bottom:.4rem;font-size:.9rem}
footer.site .fine{margin-top:2rem;padding-top:1.2rem;border-top:1px solid #4A382C;font-size:.74rem;color:#A8917F}