/* LoanVault: same look as the marketing email. Plain CSS, no build step. */

:root {
  --navy: #003366;
  --navy-dark: #00264d;
  --gray: #827e77;          /* brand gray (logo, accents) */
  --gray-text: #6b675f;     /* same hue, darkened so small text passes WCAG AA on white */
  --ink: #1d2433;
  --body: #4b5563;
  --line: #e3e6ea;
  --line-soft: #eef0f2;
  --tint: #f1f5f9;
  --on-navy: #c9d3df;
  --field: #858b94;
  --error: #b42318;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: #fff;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.5;
}
a { color: var(--navy); }
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--navy);
  outline-offset: 2px;
}

.wrap { max-width: 640px; margin: 0 auto; padding: 0 20px; }
@media (min-width: 640px) { .wrap { padding: 0 32px; } }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}

/* Header bar */
.topbar { background: var(--navy); }
.topbar .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; min-height: 64px;
}
.brand { display: inline-flex; background: #fff; border-radius: 6px; padding: 5px 9px; }
.brand img { display: block; height: 35px; width: auto; }
.brand:focus-visible { outline-color: #fff; }
.eyebrow {
  font-size: 11px; letter-spacing: 1px; text-transform: uppercase; font-weight: 700;
}
.topbar .eyebrow { color: var(--on-navy); }

/* Headline */
main.wrap { padding-top: 28px; padding-bottom: 8px; }
h1 { margin: 0; font-size: 26px; line-height: 1.25; color: var(--navy); font-weight: 700; }
@media (min-width: 640px) { h1 { font-size: 30px; } }
h2 { margin: 0 0 4px; font-size: 20px; line-height: 1.3; color: var(--navy); }
.lede { margin: 10px 0 0; font-size: 16px; color: var(--body); }
.note { margin: 6px 0 0; font-size: 14px; color: var(--gray-text); }

/* Navy hero box */
.hero {
  margin-top: 22px; padding: 24px 20px; border-radius: 10px;
  background: var(--navy); color: #fff; text-align: center;
}
.hero .eyebrow { color: var(--on-navy); }
.hero .hero-title { margin: 6px 0 0; color: #fff; font-size: 28px; line-height: 1.15; font-weight: 700; }
@media (min-width: 640px) { .hero .hero-title { font-size: 34px; } }
.hero p { margin: 8px 0 0; font-size: 15px; color: var(--on-navy); }

/* Comparison table */
.compare {
  width: 100%; margin-top: 14px;
  border: 1px solid var(--line); border-radius: 10px;
  border-collapse: separate; border-spacing: 0; overflow: hidden;
}
.compare th, .compare td {
  padding: 10px 12px; font-size: 14px; text-align: right; vertical-align: middle;
  border-bottom: 1px solid var(--line-soft);
}
@media (min-width: 640px) { .compare th, .compare td { padding: 10px 16px; } }
.compare thead th {
  padding-top: 12px; padding-bottom: 12px; border-bottom-color: var(--line);
  font-size: 11px; letter-spacing: .5px; text-transform: uppercase; font-weight: 700; color: var(--gray-text);
}
.compare th[scope="row"] { text-align: left; font-weight: 400; color: var(--body); }
.compare td { color: var(--ink); }
.compare .va { background: var(--tint); color: var(--body); }
.compare thead .va { color: var(--navy); }
.compare tbody tr:last-child > * { border-bottom: 0; font-size: 15px; font-weight: 700; color: var(--ink); }
.compare tbody tr:last-child .va { color: var(--navy); }

.body-copy { margin: 16px 0 0; font-size: 15px; line-height: 1.55; }

/* Pills */
.pills { margin: 14px 0 0; padding: 0; list-style: none; text-align: center; line-height: 1; }
.pills li {
  display: inline-block; margin: 3px 2px; padding: 7px 12px; border-radius: 999px;
  background: var(--tint); color: var(--navy); font-size: 13px; font-weight: 700;
}

/* Call to action */
.cta { margin-top: 20px; text-align: center; }
.btn {
  display: block; width: 100%; padding: 15px 20px; border: 0; border-radius: 8px;
  background: var(--navy); color: #fff; font: inherit; font-size: 18px; font-weight: 700;
  text-align: center; text-decoration: none; cursor: pointer;
}
.btn:hover { background: var(--navy-dark); }
.btn[disabled] { opacity: .7; cursor: progress; }
@media (min-width: 640px) {
  .cta .btn { display: inline-block; width: auto; padding: 15px 34px; }
}
.cta-sub { margin: 10px 0 0; font-size: 14px; color: var(--gray-text); }
.cta-sub a { font-weight: 700; }

/* Sections */
.section { margin-top: 28px; padding-top: 22px; border-top: 1px solid var(--line); }

/* Form */
.form { margin-top: 14px; }
.field { margin: 0 0 14px; }
.field > label, .legend { display: block; margin-bottom: 5px; font-size: 14px; font-weight: 700; color: var(--ink); }
.optional { font-weight: 400; color: var(--gray-text); }
input[type="text"], input[type="tel"], input[type="email"], textarea {
  display: block; width: 100%; padding: 11px 12px;
  border: 1px solid var(--field); border-radius: 8px; background: #fff;
  color: var(--ink); font: inherit; font-size: 16px;
}
textarea { min-height: 88px; resize: vertical; }
input:focus, textarea:focus { border-color: var(--navy); }
[aria-invalid="true"] { border-color: var(--error) !important; }
@media (min-width: 520px) {
  .row { display: flex; gap: 12px; }
  .row > .field { flex: 1; }
}
fieldset.field { border: 0; padding: 0; min-width: 0; }
.legend { padding: 0; }
.choices { display: flex; flex-wrap: wrap; gap: 8px; }
.choice {
  display: inline-flex; align-items: center; gap: 7px; padding: 9px 14px;
  border: 1px solid var(--field); border-radius: 999px; cursor: pointer;
  font-size: 15px; color: var(--ink);
}
.choice input { margin: 0; accent-color: var(--navy); width: 16px; height: 16px; }
.choice:has(input:checked) { border-color: var(--navy); background: var(--tint); color: var(--navy); font-weight: 700; }
.choice:has(input:focus-visible) { outline: 3px solid var(--navy); outline-offset: 2px; }
.field > .consent { display: flex; margin: 0; font-weight: 400; gap: 10px; align-items: flex-start; font-size: 13px; line-height: 1.45; color: var(--body); cursor: pointer; }
.consent input { flex: none; margin: 2px 0 0; width: 18px; height: 18px; accent-color: var(--navy); }
.error { margin: 5px 0 0; font-size: 13px; color: var(--error); }
.error:empty { display: none; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

.notice {
  margin-top: 14px; padding: 16px 18px; border-radius: 10px;
  background: var(--tint); border-left: 4px solid var(--navy); color: var(--ink);
}
.notice:focus { outline: none; }
.notice strong { color: var(--navy); }
.notice p { margin: 4px 0 0; font-size: 15px; color: var(--body); }
.notice.is-error { border-left-color: var(--error); }

/* Contact block */
.contact { margin-top: 28px; padding-top: 14px; border-top: 1px solid var(--line); font-size: 15px; color: var(--body); }
.contact strong { color: var(--ink); }
.contact a { text-decoration: none; }
.contact a:hover { text-decoration: underline; }

/* Plain text pages (privacy) */
.prose h2 { margin-top: 24px; font-size: 18px; }
.prose p, .prose li { font-size: 15px; color: var(--body); }
.prose ul { padding-left: 20px; }

/* Footer */
.footer { margin-top: 28px; padding-top: 14px; padding-bottom: 32px; border-top: 1px solid var(--line); }
.footer p { margin: 0 0 8px; font-size: 12px; line-height: 1.55; color: var(--gray-text); }
.footer a { color: var(--gray-text); }