/* ===========================================================
   Crestline Financial - public site styles
   Palette: deep navy + champagne gold
   =========================================================== */
:root{
  --navy:#0A2540;
  --navy-deep:#081C33;
  --navy-800:#0D2E4E;
  --gold:#C9A24B;
  --gold-light:#E9C877;
  --gold-soft:#F3E7C6;
  --ink:#142A3F;
  --slate:#5B6B7F;
  --line:#E4E9EF;
  --bg:#F5F7FA;
  --white:#ffffff;
  --green:#1F9D6B;
  --radius:16px;
  --shadow:0 18px 44px rgba(10,37,64,.10);
  --shadow-sm:0 6px 18px rgba(10,37,64,.07);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:hidden}
body{
  margin:0;
  overflow-x:hidden;
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Plus Jakarta Sans',sans-serif;color:var(--navy);line-height:1.15;margin:0 0 .5em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{width:min(1160px,92%);margin:0 auto;max-width:100%}

/* eyebrow */
.eyebrow{
  font-family:'Plus Jakarta Sans',sans-serif;
  font-weight:700;font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold);display:inline-flex;align-items:center;gap:.6rem;margin-bottom:1rem;
}
/* eyebrow line removed */

/* buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;font-size:.95rem;
  padding:.85rem 1.6rem;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:.2s ease;white-space:nowrap;
}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-800)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-light)}
.btn-outline{background:transparent;border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-nav{background:var(--navy);color:#fff!important;padding:.6rem 1.25rem;font-size:.88rem;border:1.5px solid var(--navy)}
.btn-nav:hover{background:var(--gold);color:var(--navy)}

.btn-nav-reg{font-family:"Plus Jakarta Sans",sans-serif;font-weight:600;font-size:.88rem;color:var(--navy);padding:.6rem 1rem;border-radius:999px;border:1.5px solid var(--navy);background:transparent;display:inline-flex;align-items:center}
.btn-nav-reg:hover{background:var(--navy);color:#fff}

.btn-block{width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:.25s}
.site-header.scrolled{box-shadow:var(--shadow-sm)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:.8rem 0}
.brand img{display:block}
.site-nav{display:flex;align-items:center;gap:1.7rem}
.site-nav a{font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;font-size:.92rem;color:var(--ink);transition:.2s}
.site-nav a:not(.btn):hover{color:var(--gold)}
.site-nav a.active:not(.btn){color:var(--navy)}
.site-nav a.active:not(.btn)::after{content:"";display:block;height:2px;background:var(--gold);margin-top:3px}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.2s}

/* flash */
.flash{margin:1rem 0;padding:.9rem 1.2rem;border-radius:12px;font-size:.92rem;font-weight:500}
.flash-success{background:#E7F6EF;color:#146c4b;border:1px solid #BFE7D4}
.flash-error{background:#FCECEC;color:#a1352f;border:1px solid #F2C9C6}

/* ---------------- hero ---------------- */
.hero{
  position:relative;overflow:hidden;color:#fff;
  background:
    linear-gradient(160deg,rgba(8,28,51,.88) 0%,rgba(10,37,64,.75) 60%,rgba(10,37,64,.92) 100%),
    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&q=80&auto=format&fit=crop') center/cover no-repeat;
}
/* hero grid pattern removed */
.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1fr;gap:2rem;align-items:center;padding:3.5rem 0 4rem}
.hero-img-wrap{display:none}
.hero h1{color:#fff;font-size:clamp(2.3rem,4.6vw,3.6rem);font-weight:800;letter-spacing:-.02em}
.hero h1 .gold{color:var(--gold-light)}
.hero p.lead{color:#C6D4E4;font-size:1.12rem;max-width:34rem;margin:1.2rem 0 2rem}
.hero-cta{display:flex;gap:1rem;flex-wrap:wrap}
.hero-trust{margin-top:2.4rem;display:flex;align-items:center;gap:1rem;color:#9FB4CB;font-size:.9rem}
.hero-trust strong{color:#fff;font-family:'Plus Jakarta Sans',sans-serif}

/* hero balance card visual */
.hero-card{
  background:linear-gradient(150deg,#0F3A63,#0A2540);
  border:1px solid rgba(233,200,123,.28);
  border-radius:22px;padding:1.7rem;box-shadow:0 30px 60px rgba(0,0,0,.35);
  position:relative;
}
.hero-card .chip{width:44px;height:32px;border-radius:7px;background:linear-gradient(135deg,var(--gold-light),var(--gold));margin-bottom:2.2rem}
.hero-card .hc-label{color:#9FB4CB;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase}
.hero-card .hc-amount{font-family:'Plus Jakarta Sans',sans-serif;font-weight:800;font-size:2rem;color:#fff;margin:.2rem 0 1.5rem}
.hero-card .hc-amount sup{font-size:1rem;color:var(--gold-light);top:-.7em}
.hero-card .hc-row{display:flex;justify-content:space-between;color:#C6D4E4;font-size:.9rem;letter-spacing:.04em}
.hero-card .hc-brand{position:absolute;top:1.5rem;right:1.5rem;font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;color:var(--gold-light);letter-spacing:.05em}

/* ---------------- section shells ---------------- */
.section{padding:4.5rem 0}
.section-head{max-width:42rem;margin-bottom:2.6rem}
.section-head.center{margin:0 auto 2.8rem;text-align:center}
.section-head h2{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:800}
.section-head p{color:var(--slate);font-size:1.05rem;margin-top:.6rem}
.section-alt{background:var(--white)}

/* about split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.about-visual{position:relative;border-radius:var(--radius);overflow:hidden;min-height:340px;
  background:linear-gradient(160deg,var(--navy),var(--navy-deep));display:flex;align-items:flex-end;padding:2rem}
.about-visual .years{color:#fff}
.about-visual .years b{font-family:'Plus Jakarta Sans',sans-serif;font-size:3.4rem;font-weight:800;color:var(--gold-light);display:block;line-height:1}
.about-visual .badge{position:absolute;top:2rem;right:2rem;width:120px;height:120px;border-radius:50%;
  border:2px dashed rgba(233,200,123,.5);display:flex;align-items:center;justify-content:center;text-align:center;
  color:var(--gold-light);font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;font-size:.8rem;letter-spacing:.05em}
.about-list{margin:1.4rem 0 0;padding:0;list-style:none}
.about-list li{display:flex;gap:.8rem;padding:.5rem 0;color:var(--ink)}
.about-list li::before{content:"";flex:0 0 22px;height:22px;border-radius:50%;margin-top:2px;
  background:var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' stroke='%239A7C33' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M2 7l3 3 7-7'/%3E%3C/svg%3E") center/14px no-repeat}

/* loan cards grid */
.card-grid-3{grid-template-columns:repeat(3,1fr)!important}
.card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.lcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;transition:.22s;position:relative}
.lcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.lcard .ic{width:48px;height:48px;border-radius:12px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:1.1rem}
.lcard .ic svg{width:24px;height:24px;stroke:var(--gold-light);fill:none;stroke-width:1.7}
.lcard h3{font-size:1.12rem}
.lcard p{color:var(--slate);font-size:.92rem;margin:.35rem 0 1rem}
.lcard .more{font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;font-size:.85rem;color:var(--gold);display:inline-flex;gap:.35rem}
.lcard .more:hover{gap:.6rem}

/* stats band */
.stats{background:linear-gradient(160deg,var(--navy),var(--navy-deep));color:#fff}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;padding:3rem 0;text-align:center}
.stats .stat b{font-family:'Plus Jakarta Sans',sans-serif;font-size:2.4rem;font-weight:800;color:var(--gold-light);display:block}
.stats .stat span{color:#B9C8DA;font-size:.9rem;letter-spacing:.04em}

/* process */
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;counter-reset:step}
.pstep{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem 1.4rem;position:relative}
.pstep .num{counter-increment:step;font-family:'Plus Jakarta Sans',sans-serif;font-weight:800;font-size:1rem;
  color:var(--navy);width:40px;height:40px;border-radius:11px;background:var(--gold-soft);
  display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.pstep .num::before{content:"0" counter(step)}
.pstep h4{font-size:1.05rem}
.pstep p{color:var(--slate);font-size:.9rem;margin:.3rem 0 0}

/* testimonials */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.tcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem}
.tcard .quote{color:var(--ink);font-size:1rem;margin:0 0 1.2rem}
.tcard .who{display:flex;align-items:center;gap:.8rem}
.tcard .avatar{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-800));
  color:var(--gold-light);display:flex;align-items:center;justify-content:center;font-family:'Plus Jakarta Sans',sans-serif;font-weight:700}
.tcard .who b{display:block;font-family:'Plus Jakarta Sans',sans-serif;color:var(--navy)}
.tcard .who span{font-size:.82rem;color:var(--slate)}
.tcard .stars{color:var(--gold);letter-spacing:2px;margin-bottom:.7rem}

/* CTA strip */
.cta-strip{background:linear-gradient(120deg,var(--gold) 0%,var(--gold-light) 100%);border-radius:22px;
  padding:2.6rem;display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap}
.cta-strip h2{color:var(--navy);margin:0}
.cta-strip p{color:#5c4a1c;margin:.3rem 0 0;font-weight:500}

/* ---------------- forms ---------------- */
.page-hero{background:linear-gradient(160deg,var(--navy),var(--navy-deep));color:#fff;padding:3.4rem 0;overflow:hidden}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,3.4vw,2.7rem)}
.page-hero p{color:#B9C8DA;max-width:40rem;margin:.4rem 0 0}
.page-hero .crumb{color:#8FA6BF;font-size:.85rem;margin-bottom:.7rem}
.page-hero .crumb a{color:var(--gold-light)}

.form-wrap{display:grid;grid-template-columns:1fr .8fr;gap:2.5rem;align-items:start}
.card-panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow-sm)}
.card-panel h2{font-size:1.4rem}
.field{margin-bottom:1.1rem}
.field label{display:block;font-family:'Plus Jakarta Sans',sans-serif;font-weight:600;font-size:.85rem;color:var(--navy);margin-bottom:.4rem}
.field input,.field select,.field textarea{
  width:100%;padding:.8rem .95rem;border:1.5px solid var(--line);border-radius:11px;
  font-family:'Inter',sans-serif;font-size:.95rem;color:var(--ink);background:#fff;transition:.15s;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,75,.15)}
.field textarea{resize:vertical;min-height:110px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.form-note{font-size:.82rem;color:var(--slate);margin-top:.4rem}
.aside-panel{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.8rem}
.aside-panel h3{color:#fff}
.aside-panel ul{list-style:none;padding:0;margin:1rem 0 0}
.aside-panel li{display:flex;gap:.7rem;padding:.5rem 0;color:#C6D4E4;font-size:.92rem;border-bottom:1px solid rgba(255,255,255,.08)}
.aside-panel li:last-child{border:0}
.aside-panel li b{color:var(--gold-light);font-family:'Plus Jakarta Sans',sans-serif}

/* success confirmation */
.confirm{max-width:620px;margin:0 auto;text-align:center;background:var(--white);border:1px solid var(--line);
  border-radius:var(--radius);padding:3rem 2rem;box-shadow:var(--shadow-sm)}
.confirm .tick{width:76px;height:76px;border-radius:50%;background:#E7F6EF;margin:0 auto 1.3rem;
  display:flex;align-items:center;justify-content:center}
.confirm .tick svg{width:38px;height:38px;stroke:var(--green);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.confirm h1{font-size:1.7rem}
.confirm p{color:var(--slate);margin:.6rem auto 1.6rem;max-width:34rem}

/* debit card preview */
.debit-preview{background:linear-gradient(135deg,#0F3A63,#0A2540);border-radius:18px;padding:1.6rem;color:#fff;
  box-shadow:0 24px 48px rgba(10,37,64,.35);border:1px solid rgba(233,200,123,.25);aspect-ratio:1.6/1;display:flex;flex-direction:column;justify-content:space-between}
.debit-preview .dp-top{display:flex;justify-content:space-between;align-items:center}
.debit-preview .dp-chip{width:42px;height:30px;border-radius:6px;background:linear-gradient(135deg,var(--gold-light),var(--gold))}
.debit-preview .dp-num{font-family:'Plus Jakarta Sans',sans-serif;letter-spacing:.18em;font-size:1.05rem}
.debit-preview .dp-foot{display:flex;justify-content:space-between;align-items:flex-end;font-size:.8rem;color:#C6D4E4}
.debit-preview .dp-foot b{color:#fff;font-family:'Plus Jakarta Sans',sans-serif;letter-spacing:.05em}

/* auth card */
.auth-shell{min-height:calc(100vh - 72px);display:grid;grid-template-columns:1fr 1fr}
.auth-visual{background:linear-gradient(160deg,var(--navy),var(--navy-deep));color:#fff;padding:3.5rem;display:flex;flex-direction:column;justify-content:center}
.auth-visual h2{color:#fff;font-size:2rem;max-width:22rem}
.auth-visual p{color:#B9C8DA;max-width:26rem}
.auth-visual .points{margin-top:1.6rem;display:flex;flex-direction:column;gap:.8rem}
.auth-visual .points span{display:flex;gap:.7rem;align-items:center;color:#C6D4E4;font-size:.95rem}
.auth-visual .points span::before{content:"";width:18px;height:18px;border-radius:50%;background:var(--gold)}
.auth-form-side{display:flex;align-items:center;justify-content:center;padding:2.5rem}
.auth-box{width:min(400px,100%)}
.auth-box .demo-hint{background:var(--gold-soft);border:1px solid #EAD9A9;border-radius:11px;padding:.8rem 1rem;font-size:.82rem;color:#6b551f;margin-bottom:1.4rem}
.auth-box .demo-hint b{color:#5c4a1c}

/* footer */
.site-footer{background:var(--navy-deep);color:#B9C8DA;padding:3.5rem 0 1.5rem;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:2rem}
.footer-brand p{margin-top:1rem;font-size:.92rem;max-width:22rem}
.footer-col h4{color:#fff;font-size:.95rem;margin-bottom:1rem}
.footer-col a,.footer-contact{display:block;color:#9FB4CB;font-size:.9rem;padding:.28rem 0;transition:.15s}
.footer-col a:hover{color:var(--gold-light)}
.footer-base{display:flex;justify-content:space-between;align-items:center;border-top:1px solid rgba(255,255,255,.08);
  margin-top:2.4rem;padding-top:1.3rem;font-size:.85rem;color:#8FA6BF}
.footer-legal a:hover{color:var(--gold-light)}

/* ---------------- responsive ---------------- */
@media(min-width:961px){
  .hero-inner{grid-template-columns:1.1fr .9fr;gap:3rem;padding:5rem 0 5.5rem}
  .hero-img-wrap{display:flex;align-items:center}
}
@media(max-width:960px){
  .split,.form-wrap,.auth-shell{grid-template-columns:1fr}
  .card-grid,.process{grid-template-columns:1fr 1fr}
  .card-grid-3{grid-template-columns:1fr 1fr!important}
  .stats .wrap,.tgrid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .auth-visual{display:none}
  .cta-strip{flex-direction:column;text-align:center}
}
@media(max-width:640px){
  /* Nav */
  .nav-toggle{display:flex}
  .site-nav{
    position:fixed;inset:64px 0 auto 0;background:#fff;
    flex-direction:column;align-items:stretch;
    gap:0;padding:1rem 1.2rem;border-bottom:1px solid var(--line);
    transform:translateY(-140%);transition:.28s ease;box-shadow:var(--shadow);
    z-index:49;
  }
  body.nav-open .site-nav{transform:translateY(0)}
  .site-nav a:not(.btn-nav):not(.btn-nav-reg){padding:.75rem 0;border-bottom:1px solid var(--line);display:block}
  .site-nav .btn-nav,.site-nav .btn-nav-reg{margin-top:.5rem;text-align:center;display:block;border-radius:10px}
  .site-nav .btn-nav-reg{margin-bottom:.3rem}

  /* Hero heading smaller on mobile */
  .hero h1{font-size:clamp(1.9rem,8vw,2.6rem)}
  .hero p.lead{font-size:1rem}
  .hero-inner{padding:2.8rem 0 3rem}

  /* Grids go single column */
  .card-grid,.card-grid-3,.process,.stats .wrap,.tgrid,.grid-2,.footer-grid{grid-template-columns:1fr!important}
  .hero-inner{padding:3rem 0 3.5rem}

  /* About section image on mobile */
  .split > div:first-child{min-height:220px}

  /* Section spacing */
  .section{padding:2.8rem 0}

  /* Form wrap */
  .form-wrap{gap:1.4rem}
  .aside-panel{padding:1.4rem}

  /* Auth */
  .auth-form-side{padding:1.6rem 1rem}

  /* CTA strip */
  .cta-strip{flex-direction:column;text-align:center;padding:1.8rem 1.4rem}
  .cta-strip div:last-child{justify-content:center}

  /* Footer */
  .footer-grid{grid-template-columns:1fr}
  .footer-base{flex-direction:column;gap:.6rem;text-align:center}

  /* Eyebrow */
  .eyebrow{font-size:.68rem}
}