/* =================================================================
   F & S Financial Marketing — home-improvement financing (one-pager)
   Fintech / trust aesthetic: deep navy + approval-green accent.
   ================================================================= */

:root {
  --navy: #0f2740;
  --navy-2: #0b1d31;
  --navy-3: #16324f;
  --green: #1f9d76;
  --green-dk: #178a67;
  --ink: #12212f;
  --muted: #5c6b76;
  --muted-2: #8595a0;
  --surface: #ffffff;
  --tint: #eef4f2;
  --tint-2: #f6f9f8;
  --line: #e3eae8;
  --line-dk: #24425f;

  --display: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --wrap: 1140px;
  --radius: 12px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--body); color: var(--ink); background: var(--surface);
  font-size: 17px; line-height: 1.65; -webkit-font-smoothing: antialiased; overflow-x: hidden;
}
img { display: block; max-width: 100%; }
h1, h2, h3 { font-family: var(--display); color: var(--navy); line-height: 1.14; margin: 0 0 .5em; letter-spacing: -.015em; }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.4rem); font-weight: 800; }
h3 { font-size: 1.16rem; font-weight: 700; }
p { margin: 0 0 1rem; }
a { color: var(--green-dk); text-decoration: none; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 22px; }

.skip {
  position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff;
  padding: 10px 16px; border-radius: 0 0 8px 0; z-index: 100;
}
.skip:focus { left: 0; }

.accent { color: var(--green); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5em; justify-content: center;
  font-family: var(--display); font-weight: 700; font-size: .96rem; line-height: 1;
  padding: 13px 22px; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .12s ease, background .18s ease, border-color .18s ease, color .18s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn--solid { background: var(--green); color: #fff; }
.btn--solid:hover { background: var(--green-dk); color: #fff; }
.btn--ghost { background: transparent; border-color: currentColor; color: var(--navy); }
.btn--ghost:hover { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn--sm { padding: 9px 16px; font-size: .88rem; }
.btn--lg { padding: 15px 26px; font-size: 1.02rem; }

/* ---------- Header ---------- */
.masthead {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92);
  backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line);
}
.masthead__row { display: flex; align-items: center; justify-content: space-between; min-height: 80px; gap: 16px; }
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy); }
.brand__logo {
  display: block; width: clamp(180px, 18vw, 210px); height: auto;
}
.brand__mark {
  display: grid; place-items: center; width: 44px; height: 44px; flex: 0 0 auto;
  background: var(--navy); color: #fff; border-radius: 11px;
  font-family: var(--display); font-weight: 800; font-size: .96rem; letter-spacing: -.02em;
  box-shadow: inset 0 0 0 2px rgba(31,157,118,.55);
}
.brand__text { display: flex; flex-direction: column; font-family: var(--display); font-weight: 800; font-size: 1.02rem; line-height: 1.1; }
.brand__sub { font-family: var(--body); font-weight: 500; font-size: .72rem; letter-spacing: .04em; text-transform: uppercase; color: var(--green-dk); margin-top: 2px; }

.nav { display: flex; align-items: center; gap: 26px; }
.nav ul { display: flex; align-items: center; gap: 24px; list-style: none; margin: 0; padding: 0; }
.nav a { color: var(--navy); font-weight: 600; font-size: .95rem; }
.nav ul a { position: relative; padding: 4px 0; color: var(--ink); }
.nav ul a::after { content: ""; position: absolute; left: 0; right: 100%; bottom: -2px; height: 2px; background: var(--green); transition: right .2s ease; }
.nav ul a:hover::after, .nav ul a.is-active::after { right: 0; }

.burger { display: none; flex-direction: column; gap: 5px; background: none; border: 0; padding: 8px; cursor: pointer; }
.burger span { width: 26px; height: 2.5px; background: var(--navy); border-radius: 2px; transition: transform .25s ease, opacity .2s ease; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--navy); color: #eaf1f4; }
.hero__bg {
  position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(90deg, rgba(11,29,49,.97) 0%, rgba(11,29,49,.92) 40%, rgba(11,29,49,.58) 68%, rgba(11,29,49,.22) 100%),
    url("/images/hero.webp") center / cover no-repeat;
}
.hero__bg::after {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 46px 46px; mask-image: radial-gradient(700px 380px at 75% 0, #000, transparent 75%);
}
.hero__inner { position: relative; z-index: 1; max-width: var(--wrap); min-height: 680px; padding: clamp(64px, 9vw, 110px) 22px; display: flex; align-items: center; }
.hero__copy { width: 100%; max-width: 680px; min-width: 0; }
.eyebrow { font-family: var(--display); font-weight: 700; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: #7fe0c0; margin: 0 0 18px; }
.hero__title { color: #fff; font-size: clamp(2.1rem, 5.6vw, 3.6rem); font-weight: 800; margin-bottom: 20px; }
.hero__lead { color: #cdd9e0; font-size: clamp(1.02rem, 1.8vw, 1.2rem); max-width: 620px; margin-bottom: 28px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 34px; }
.hero .btn--ghost { color: #fff; }
.hero .btn--ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 10px 26px; list-style: none; margin: 0; padding: 22px 0 0; border-top: 1px solid rgba(255,255,255,.14); }
.hero__trust li { position: relative; padding-left: 24px; color: #b9c7d0; font-size: .92rem; font-weight: 500; }
.hero__trust li::before { content: "✓"; position: absolute; left: 0; top: -1px; color: var(--green); font-weight: 800; }

/* ---------- Sections ---------- */
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section--tint { background: var(--tint); }
.section--dark { background: var(--navy); color: #dbe6ec; }
.head { max-width: 720px; margin-bottom: 40px; }
.head--center { margin-left: auto; margin-right: auto; text-align: center; }
.head--light h2 { color: #fff; }
.kicker { font-family: var(--display); font-weight: 700; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--green-dk); margin: 0 0 12px; }
.kicker--onDark { color: #7fe0c0; }
.lead { color: var(--muted); font-size: 1.06rem; margin: 0; }
.section--dark .lead { color: #a9bcc8; }

/* ---------- Steps ---------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: none; }
.step { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 26px; }
.step__num {
  position: absolute; top: -14px; left: 26px; width: 30px; height: 30px; border-radius: 50%;
  display: grid; place-items: center; background: var(--navy); color: #fff;
  font-family: var(--display); font-weight: 800; font-size: .9rem;
}
.step__ico { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 12px; background: var(--tint); color: var(--green-dk); margin: 8px 0 16px; }
.step__ico svg { width: 26px; height: 26px; }
.step p { margin: 0; color: var(--muted); font-size: .98rem; }

/* ---------- Feature grid ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.feature { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; }
.feature__ico { display: grid; place-items: center; width: 46px; height: 46px; border-radius: 11px; background: var(--navy); color: #7fe0c0; margin-bottom: 16px; }
.feature__ico svg { width: 24px; height: 24px; }
.feature p { margin: 0; color: var(--muted); font-size: .95rem; }

/* ---------- Contractor band ---------- */
.band { display: grid; grid-template-columns: 1.6fr 1fr; gap: 34px; align-items: center; background: var(--tint-2); border: 1px solid var(--line); border-radius: 18px; padding: clamp(28px, 4vw, 48px); }
.band__copy .lead { margin-bottom: 18px; }
.ticks { list-style: none; margin: 0 0 24px; padding: 0; display: grid; gap: 10px; }
.ticks li { position: relative; padding-left: 28px; color: var(--ink); font-weight: 500; }
.ticks li::before { content: ""; position: absolute; left: 0; top: 3px; width: 18px; height: 18px; border-radius: 50%; background: var(--green); }
.ticks li::after { content: "✓"; position: absolute; left: 4px; top: 1px; color: #fff; font-size: .72rem; font-weight: 800; }
.band__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.band__stat { text-align: center; border-left: 3px solid var(--green); padding: 10px 0 10px 30px; }
.band__big { display: block; font-family: var(--display); font-weight: 800; font-size: clamp(2.6rem, 6vw, 3.6rem); color: var(--navy); line-height: 1; letter-spacing: -.03em; }
.band__small { color: var(--muted); font-size: .9rem; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.ccard {
  display: flex; flex-direction: column; align-items: flex-start; gap: 8px;
  background: var(--navy-3); border: 1px solid var(--line-dk); border-radius: var(--radius);
  padding: 26px 24px; color: #eaf1f4; transition: border-color .18s ease, transform .12s ease, background .18s ease;
}
a.ccard:hover { transform: translateY(-2px); border-color: var(--green); background: #1a3a58; }
.ccard__ico { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 11px; background: rgba(31,157,118,.16); color: #7fe0c0; margin-bottom: 6px; }
.ccard__ico svg { width: 23px; height: 23px; }
.ccard__label { font-family: var(--display); font-weight: 700; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: #7fe0c0; }
.ccard__value { font-size: 1.06rem; font-weight: 600; color: #fff; }
.ccard--static { color: #eaf1f4; }

/* ---------- Footer ---------- */
.foot { background: var(--navy-2); color: #b9c7d0; padding: 48px 0 26px; }
.foot__row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 28px; padding-bottom: 26px; border-bottom: 1px solid var(--line-dk); }
.foot__brand { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; max-width: 420px; }
.foot__logo { display: block; width: min(290px, 100%); height: auto; }
.foot__name { font-family: var(--display); font-weight: 800; color: #fff; margin: 0 0 4px; font-size: 1.05rem; }
.foot__tag { margin: 0; font-size: .92rem; color: #93a6b2; }
.foot__contact { display: flex; flex-direction: column; gap: 8px; align-items: flex-start; }
.foot__contact a, .foot__contact span { color: #cdd9e0; font-size: .95rem; }
.foot__contact a:hover { color: #7fe0c0; }
.bbb-badge { display:inline-block; background:none; border:0; padding:0; line-height:0; }
.bbb-badge img { display:block; width:118px; max-width:100%; height:auto; }
.bbb-strip { padding:20px 0; }
.bbb-strip__inner { display:flex; align-items:center; justify-content:center; }
.foot__legal { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; padding-top: 20px; }
.foot__legal p { margin: 0; font-size: .85rem; color: #7d909d; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .steps { grid-template-columns: 1fr 1fr; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .band { grid-template-columns: 1fr; }
  .band__stat { border-left: 0; border-top: 3px solid var(--green); padding: 22px 0 0; text-align: left; }
}
@media (max-width: 760px) {
  .brand__logo { width: 180px; }
  .burger { display: flex; }
  .nav {
    position: fixed; inset: 80px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 22px 20px;
    transform: translateY(-140%); transition: transform .28s ease; box-shadow: 0 16px 30px rgba(15,39,64,.12);
  }
  .nav.is-open { transform: translateY(0); }
  .nav ul { flex-direction: column; align-items: stretch; gap: 0; width: 100%; }
  .nav ul li { border-bottom: 1px solid var(--line); }
  .nav ul a { display: block; padding: 14px 4px; }
  .nav ul a::after { display: none; }
  .nav .btn { margin-top: 14px; width: 100%; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .steps { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .hero__actions .btn { flex: 1 1 auto; }
}
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto; }
  .btn:hover, a.ccard:hover { transform: none; }
}

/* ---------- Team ---------- */
.team { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 56px); align-items: center; }
.team__figure { margin: 0; }
.team__figure img { width: 100%; height: auto; display: block; border-radius: var(--radius); border: 1px solid var(--line); }
.team__body h2 { margin-bottom: 14px; }
.team__body .lead { margin-bottom: 20px; }
.team__points { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.team__points li { position: relative; padding-left: 26px; color: var(--ink); font-weight: 500; }
.team__points li::before { content: "\2713"; position: absolute; left: 0; top: 1px; color: var(--green); font-weight: 800; }

/* ---------- Hero + team responsive ---------- */
@media (max-width: 860px) {
  .hero__bg {
    background:
      linear-gradient(rgba(11,29,49,.9), rgba(11,29,49,.88)),
      url("/images/hero.webp") 62% center / cover no-repeat;
  }
  .hero__inner { min-height: auto; }
  .team { grid-template-columns: 1fr; gap: 28px; }
  .team__figure { order: -1; max-width: 560px; }
}