/* Bear Loans USA — shared styles
   Light fintech theme. Token-based. No external framework. */

:root {
  --navy: #0f2a4a;
  --navy-700: #14365f;
  --navy-600: #1d4570;
  --green: #1f9d61;
  --green-700: #178050;
  --amber: #f0a92b;
  --amber-soft: #fff5e2;
  --bg: #f6f8fc;
  --surface: #ffffff;
  --surface-alt: #eef3fa;
  --text: #18222f;
  --muted: #57636f;
  --border: #e1e8f0;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 1px 2px rgba(15,42,74,.05), 0 8px 24px rgba(15,42,74,.06);
  --maxw: 1080px;
  --font-serif: "IBM Plex Serif", Georgia, serif;
  --font-sans: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--font-serif); line-height: 1.25; color: var(--navy); margin: 0 0 .5em; }
h1 { font-size: clamp(1.9rem, 4vw, 2.7rem); }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
h3 { font-size: 1.18rem; }
p { margin: 0 0 1em; }
a { color: var(--navy-600); }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* ---- New-site banner ---- */
.notice-bar {
  background: var(--amber-soft);
  border-bottom: 1px solid #f3deb2;
  color: #6b4e15;
  font-size: .9rem;
  text-align: center;
  padding: 9px 16px;
}
.notice-bar strong { color: #5a3f0c; }

/* ---- Header ---- */
.site-header {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 40;
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 66px; gap: 16px;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark {
  width: 34px; height: 34px; flex: 0 0 34px;
  display: grid; place-items: center;
  background: var(--navy); border-radius: 9px;
}
.brand-name { font-family: var(--font-serif); font-weight: 600; font-size: 1.18rem; color: var(--navy); }
.brand-name span { color: var(--green); }
.nav-links { display: flex; gap: 4px; align-items: center; }
.nav-links a {
  text-decoration: none; color: var(--muted); font-weight: 500; font-size: .95rem;
  padding: 8px 12px; border-radius: 8px;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--navy); background: var(--surface-alt); }
.nav-cta {
  background: var(--green) !important; color: #fff !important; font-weight: 600 !important;
}
.nav-cta:hover { background: var(--green-700) !important; }
.nav-toggle { display: none; background: none; border: 1px solid var(--border); border-radius: 8px; padding: 8px; cursor: pointer; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-weight: 600; font-size: 1rem; text-decoration: none; cursor: pointer;
  padding: 13px 22px; border-radius: 10px; border: 1px solid transparent;
  transition: background .18s ease, transform .18s ease;
  min-height: 46px;
}
.btn-primary { background: var(--green); color: #fff; }
.btn-primary:hover { background: var(--green-700); }
.btn-outline { background: #fff; color: var(--navy); border-color: var(--border); }
.btn-outline:hover { background: var(--surface-alt); }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 100%);
  color: #eaf1fb;
}
.hero .container { padding-top: 54px; padding-bottom: 54px; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 40px; align-items: start; }
.hero h1 { color: #fff; }
.hero p.lead { font-size: 1.12rem; color: #c6d6ec; max-width: 36ch; }
.hero ul { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 10px; }
.hero ul li { display: flex; gap: 10px; align-items: flex-start; color: #d8e4f4; font-size: .98rem; }
.hero ul li svg { flex: 0 0 20px; margin-top: 2px; }
.tag { display: inline-block; background: rgba(240,169,43,.16); color: var(--amber); font-weight: 600;
  font-size: .8rem; letter-spacing: .03em; padding: 5px 11px; border-radius: 99px; margin-bottom: 14px; }

/* ---- Brand mascot ---- */
.bear-pic { display: block; }
.cta-pic { width: 176px; margin: 0 auto; }
.hero-bear {
  display: block; width: 210px; max-width: 60%; margin: 24px 0 0;
  filter: drop-shadow(0 14px 26px rgba(0,0,0,.38));
}
.cta-bear {
  display: block; width: 176px; margin: 0 auto 8px;
  filter: drop-shadow(0 12px 24px rgba(0,0,0,.32));
}
@media (max-width: 860px) {
  .hero-bear { margin: 20px auto 0; }
}

/* ---- Form card ---- */
.form-card {
  background: var(--surface); border-radius: var(--radius);
  box-shadow: 0 2px 6px rgba(15,42,74,.06), 0 18px 50px rgba(15,42,74,.16);
  border: 1px solid var(--border); overflow: hidden; position: relative;
}
.form-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--green), var(--amber));
}
.form-card .form-head { padding: 22px 22px 16px; border-bottom: 1px solid var(--border); }
.form-head-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 4px; }
.form-card .form-head h2 { font-size: 1.3rem; margin: 0; }
.form-card .form-head p { margin: 0; font-size: .9rem; color: var(--muted); }
.amount-pill {
  background: var(--surface-alt); color: var(--navy); font-weight: 600; font-size: .82rem;
  padding: 5px 11px; border-radius: 99px; border: 1px solid var(--border); white-space: nowrap;
}
.trust-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 14px; }
.trust-item { display: inline-flex; align-items: center; gap: 6px; font-size: .8rem; font-weight: 500; color: var(--navy); }
.trust-item svg { flex: 0 0 15px; }

.form-embed { padding: 6px; min-height: 380px; }
.lg-form-host { min-height: 380px; }
.lg-form-host input, .lg-form-host select, .lg-form-host textarea, .lg-form-host button { font-family: var(--font-sans); }
.form-loading {
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 14px;
  min-height: 360px; color: var(--muted); font-size: .92rem;
}
.spinner {
  width: 30px; height: 30px; border-radius: 50%;
  border: 3px solid var(--surface-alt); border-top-color: var(--green);
  animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .spinner { animation-duration: 2.4s; } }
.embed-note {
  font-size: .78rem; color: var(--muted); padding: 12px 18px 16px; background: var(--surface-alt);
  border-top: 1px solid var(--border);
}

/* ---- Sections ---- */
section { padding: 52px 0; }
section.alt { background: var(--surface-alt); }
.section-head { max-width: 60ch; margin-bottom: 30px; }
.section-head .eyebrow { color: var(--green); font-weight: 600; font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; }
.section-head p { color: var(--muted); }

.grid { display: grid; gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow);
}
.card h3 { display: flex; align-items: center; gap: 10px; }
.card .ic { width: 38px; height: 38px; border-radius: 9px; background: var(--surface-alt);
  display: grid; place-items: center; flex: 0 0 38px; }
.card p { color: var(--muted); margin-bottom: 0; font-size: .96rem; }

.step-num { width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: #fff;
  display: grid; place-items: center; font-weight: 600; font-family: var(--font-serif); flex: 0 0 30px; }

/* ---- Data / stat row ---- */
.stat-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.stat {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 22px; text-align: center;
}
.stat .num { font-family: var(--font-serif); font-size: 2rem; color: var(--navy); font-weight: 600; }
.stat .lbl { color: var(--muted); font-size: .9rem; }
.stat .src { color: var(--muted); font-size: .72rem; margin-top: 6px; }

/* ---- Table ---- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); }
table { width: 100%; border-collapse: collapse; min-width: 520px; }
th, td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--border); font-size: .95rem; }
th { background: var(--surface-alt); color: var(--navy); font-weight: 600; }
tr:last-child td { border-bottom: 0; }

/* ---- FAQ ---- */
.faq details {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: 4px 20px; margin-bottom: 12px;
}
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); padding: 14px 0; list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--green); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); padding-bottom: 14px; margin: 0; }

/* ---- Disclosure / advert label ---- */
.advert-band {
  background: var(--amber-soft); border: 1px solid #f3deb2; border-radius: var(--radius);
  padding: 18px 22px; display: flex; gap: 14px; align-items: flex-start;
}
.advert-band .lbl { font-size: .72rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  color: #8a6516; background: #fff; border: 1px solid #f0d8a3; border-radius: 6px; padding: 3px 8px; white-space: nowrap; }
.advert-band p { margin: 0; font-size: .9rem; color: #6b5320; }

.callout {
  border-left: 4px solid var(--amber); background: var(--surface-alt);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 16px 20px; margin: 22px 0;
}
.callout p { margin: 0; color: var(--text); font-size: .96rem; }

.prose { max-width: 70ch; }
.prose ul { padding-left: 20px; color: var(--muted); }
.prose li { margin-bottom: 8px; }
.prose h2 { margin-top: 36px; }
.prose h3 { margin-top: 26px; }

/* ---- Legal / fine print ---- */
.legal-section { background: var(--surface-alt); border-top: 1px solid var(--border); padding: 44px 0; }
.legal-grid {
  display: grid; grid-template-columns: 1.35fr 1fr; gap: 40px;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 34px;
}
.legal-section .legal-h {
  font-family: var(--font-sans); font-size: .82rem; letter-spacing: .05em; text-transform: uppercase;
  color: var(--navy); margin: 0 0 12px;
}
.legal-section p { font-size: .82rem; line-height: 1.7; color: var(--muted); margin: 0 0 12px; }
.legal-section p:last-child { margin-bottom: 0; }
.legal-col { min-width: 0; }
@media (max-width: 760px) {
  .legal-grid { grid-template-columns: 1fr; gap: 26px; padding: 24px 22px; }
}

/* ---- CTA strip ---- */
.cta-strip { background: var(--navy); color: #fff; text-align: center; }
.cta-strip h2 { color: #fff; }
.cta-strip p { color: #c6d6ec; max-width: 50ch; margin: 0 auto 22px; }

/* ---- Footer ---- */
.site-footer { background: #0c2340; color: #aebfd6; font-size: .9rem; padding: 44px 0 26px; }
.site-footer .f-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; margin-bottom: 28px; }
.site-footer h4 { color: #fff; font-family: var(--font-sans); font-size: .85rem; letter-spacing: .04em;
  text-transform: uppercase; margin-bottom: 14px; }
.site-footer a { color: #aebfd6; text-decoration: none; display: block; padding: 4px 0; }
.site-footer a:hover { color: #fff; }
.site-footer .brand-name { color: #fff; }
.site-footer .brand-name span { color: var(--green); }
.disclosure {
  border-top: 1px solid #1c3a5e; padding-top: 20px; font-size: .8rem; color: #8aa0bd; line-height: 1.6;
}
.disclosure strong { color: #c2d2e6; }
.f-bottom { border-top: 1px solid #1c3a5e; margin-top: 18px; padding-top: 16px; display: flex;
  justify-content: space-between; flex-wrap: wrap; gap: 8px; font-size: .8rem; color: #7e95b3; }

/* ---- Responsive ---- */
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; gap: 28px; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: 1fr; }
  .site-footer .f-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; position: absolute; top: 66px; left: 0; right: 0; background: var(--surface);
    flex-direction: column; padding: 12px 20px; border-bottom: 1px solid var(--border); align-items: stretch; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px; }
  .nav-toggle { display: inline-flex; }
}
@media (max-width: 520px) {
  .site-footer .f-grid { grid-template-columns: 1fr; }
  .advert-band { flex-direction: column; }
}