/* AutoLoanRate.com — design system */

:root {
  --bg:           #FFFFFF;
  --bg-soft:      #F8FAFC;
  --bg-dim:       #F1F5F9;
  --surface:      #FFFFFF;
  --ink:          #0A1628;
  --ink-2:        #1E293B;
  --ink-3:        #475569;
  --ink-4:        #94A3B8;
  --border:       #E2E8F0;
  --border-2:     #CBD5E1;
  --brand:        #0A2540;
  --brand-2:      #1B4D80;
  --accent:       #0070F3;
  --accent-soft:  #E6F0FF;
  --good:         #15803D;
  --good-soft:    #DCFCE7;
  --warn:         #B45309;
  --danger:       #B91C1C;
  --shadow-sm:    0 1px 2px rgba(15,23,42,.04), 0 1px 1px rgba(15,23,42,.03);
  --shadow:       0 4px 14px rgba(15,23,42,.06), 0 1px 2px rgba(15,23,42,.04);
  --shadow-lg:    0 20px 40px rgba(10,37,64,.10), 0 4px 12px rgba(10,37,64,.06);
  --radius:       12px;
  --radius-sm:    8px;
  --radius-lg:    20px;
  --container:    1200px;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink-2);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
img, svg { max-width: 100%; display: block; }

h1, h2, h3, h4, h5 {
  color: var(--ink);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin: 0 0 16px;
}
h1 { font-size: clamp(2rem, 4vw + 1rem, 3.5rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.6rem, 2vw + 1rem, 2.4rem); letter-spacing: -0.025em; }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; }
p  { margin: 0 0 16px; color: var(--ink-2); }

.mono, .num { font-family: 'JetBrains Mono', ui-monospace, 'SF Mono', Menlo, monospace; font-feature-settings: 'tnum' 1, 'zero' 1; }

.c { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.c-sm { max-width: 880px; margin: 0 auto; padding: 0 24px; }

/* === Nav === */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.85);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner { display: flex; align-items: center; gap: 32px; height: 68px; }
.nav-logo { display: flex; align-items: center; gap: 10px; color: var(--ink); font-weight: 700; font-size: 1.15rem; letter-spacing: -0.02em; }
.nav-logo:hover { text-decoration: none; }
.nav-logo .mark {
  width: 32px; height: 32px; border-radius: 8px;
  background: linear-gradient(135deg, var(--brand) 0%, var(--accent) 100%);
  display: flex; align-items: center; justify-content: center;
}
.nav-logo .mark svg { width: 20px; height: 20px; }
.nav-logo em { color: var(--accent); font-style: normal; }
.nav-links { display: flex; gap: 28px; margin-left: auto; align-items: center; }
.nav-links a { color: var(--ink-2); font-weight: 500; font-size: .95rem; }
.nav-links a:hover { color: var(--accent); text-decoration: none; }
.nav-links a.active { color: var(--ink); }
.nav-cta { border: 1px solid var(--ink); color: #fff; padding: 9px 18px; border-radius: 999px; font-weight: 600; font-size: .9rem; }
.nav-cta:hover { background: var(--brand); color: #fff; text-decoration: none; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; width: 40px; height: 40px; padding: 0; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 5px auto; transition: .2s; }

@media (max-width: 860px) {
  .nav-inner { height: 60px; }
  .nav-toggle { display: block; margin-left: auto; }
  .nav-links { display: none; position: absolute; top: 60px; left: 0; right: 0; flex-direction: column; background: #fff; padding: 16px 24px; border-bottom: 1px solid var(--border); gap: 4px; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 10px 0; }
}

/* === Buttons === */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 22px; border-radius: 999px;
  font-weight: 600; font-size: .95rem;
  border: 1px solid transparent; cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease, background .12s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-p { background: var(--ink); color: #fff; }
.btn-p:hover { background: var(--brand); color: #fff; box-shadow: var(--shadow); }
.btn-a { background: var(--accent); color: #fff; }
.btn-a:hover { background: #0058C8; color: #fff; box-shadow: var(--shadow); }
.btn-g { background: var(--bg); color: var(--ink); border-color: var(--border-2); }
.btn-g:hover { background: var(--bg-dim); color: var(--ink); }
.btn svg { width: 16px; height: 16px; stroke: currentColor; fill: none; stroke-width: 2; }

/* === Hero === */
.hero {
  position: relative;
  padding: 88px 0 96px;
  background: radial-gradient(ellipse at top, var(--accent-soft) 0%, transparent 60%), var(--bg);
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image:
    linear-gradient(to right, rgba(10,37,64,.04) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(10,37,64,.04) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at center top, #000 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at center top, #000 30%, transparent 75%);
  pointer-events: none;
}
.hero .c { position: relative; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--border);
  padding: 6px 14px; border-radius: 999px;
  font-size: .82rem; font-weight: 600; color: var(--ink-3);
  margin-bottom: 20px;
}
.hero-eyebrow .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--good); animation: pulse 2s ease-in-out infinite; }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 0 rgba(21,128,61,.4); } 50% { box-shadow: 0 0 0 6px rgba(21,128,61,0); } }
.hero h1 { max-width: 960px; }
.hero h1 .accent { background: linear-gradient(120deg, var(--brand), var(--accent)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-lead { font-size: 1.15rem; color: var(--ink-3); max-width: 640px; margin: 0 0 32px; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; }

/* Rate snapshot card embedded in hero */
.rate-snap {
  margin-top: 56px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.rate-snap-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 28px;
  border-bottom: 1px solid var(--border);
  background: var(--bg-soft);
  gap: 16px; flex-wrap: wrap;
}
.rate-snap-tabs { display: flex; gap: 2px; background: var(--bg-dim); padding: 4px; border-radius: 10px; }
.rate-snap-tabs button {
  background: transparent; border: 0; padding: 8px 16px;
  border-radius: 8px; font-weight: 600; font-size: .88rem;
  color: var(--ink-3); cursor: pointer;
}
.rate-snap-tabs button.on { background: #fff; color: var(--ink); box-shadow: var(--shadow-sm); }
.rate-snap-meta { font-size: .85rem; color: var(--ink-3); display: flex; align-items: center; gap: 8px; }
.rate-snap-meta .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--good); }

/* === Tables === */
.rate-table { width: 100%; border-collapse: collapse; }
.rate-table th, .rate-table td {
  text-align: left; padding: 16px 28px;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}
.rate-table th {
  font-size: .78rem; font-weight: 600; color: var(--ink-3);
  text-transform: uppercase; letter-spacing: .04em;
  background: var(--bg-soft);
}
.rate-table td { font-size: .95rem; color: var(--ink-2); }
.rate-table tr:last-child td { border-bottom: 0; }
.rate-table tr:hover td { background: var(--bg-soft); }
.rate-table .lender { display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--ink); }
.rate-table .lender-mono { width: 32px; height: 32px; border-radius: 8px; background: linear-gradient(135deg, var(--bg-dim), var(--bg-soft)); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .82rem; color: var(--ink-3); }
.rate-table .apr { font-family: 'JetBrains Mono', monospace; font-weight: 600; color: var(--ink); font-size: 1.05rem; }
.rate-table .apr-best { color: var(--good); }
.rate-table .term { color: var(--ink-3); font-size: .9rem; }
.rate-table .row-cta a { font-size: .88rem; font-weight: 600; }

@media (max-width: 720px) {
  .rate-table th, .rate-table td { padding: 12px 16px; }
  .rate-table .term, .rate-table .row-cta { display: none; }
}

/* === Section === */
.section { padding: 88px 0; }
.section-tight { padding: 56px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { max-width: 760px; margin: 0 auto 48px; text-align: center; }
.section-head .eyebrow { font-size: .82rem; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .12em; margin-bottom: 12px; }
.section-head p { color: var(--ink-3); font-size: 1.08rem; }

/* === Category cards === */
.cat-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.cat-card {
  display: block; padding: 28px 24px;
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); transition: .2s;
  color: var(--ink-2);
}
.cat-card:hover { border-color: var(--accent); transform: translateY(-2px); box-shadow: var(--shadow); text-decoration: none; }
.cat-card .icon { width: 40px; height: 40px; border-radius: 10px; background: var(--accent-soft); color: var(--accent); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.cat-card .icon svg { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 2; }
.cat-card h3 { font-size: 1.1rem; margin: 0 0 6px; color: var(--ink); }
.cat-card .stat { font-family: 'JetBrains Mono', monospace; font-size: 1.6rem; font-weight: 700; color: var(--ink); margin: 12px 0 4px; letter-spacing: -0.02em; }
.cat-card .stat-label { font-size: .82rem; color: var(--ink-3); }
.cat-card .arrow { display: flex; align-items: center; gap: 4px; margin-top: 16px; color: var(--accent); font-weight: 600; font-size: .88rem; }

/* === Lender grid === */
.lender-strip { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }
.lender-chip {
  display: flex; align-items: center; justify-content: center;
  padding: 18px 12px; background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius);
  color: var(--ink-2); font-weight: 600; font-size: .92rem;
  text-align: center; min-height: 64px;
}
.lender-chip:hover { border-color: var(--accent); color: var(--ink); text-decoration: none; }

/* === Article cards === */
.art-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; }
.art-card {
  display: flex; flex-direction: column;
  padding: 28px; background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius);
  color: var(--ink-2); transition: .2s;
}
.art-card:hover { border-color: var(--ink); transform: translateY(-2px); box-shadow: var(--shadow); text-decoration: none; }
.art-card .cat { font-size: .76rem; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 8px; }
.art-card h3 { font-size: 1.15rem; line-height: 1.3; margin: 0 0 10px; color: var(--ink); }
.art-card p { color: var(--ink-3); font-size: .95rem; flex: 1; }
.art-card .meta { display: flex; gap: 12px; font-size: .82rem; color: var(--ink-4); margin-top: 16px; }

/* === Trust strip === */
.trust { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; }
.trust-item h4 { font-size: 1.05rem; margin-bottom: 6px; }
.trust-item p { font-size: .92rem; color: var(--ink-3); margin: 0; }
.trust-item .ic { width: 36px; height: 36px; border-radius: 8px; background: var(--good-soft); color: var(--good); display: flex; align-items: center; justify-content: center; margin-bottom: 12px; }
.trust-item .ic svg { width: 20px; height: 20px; stroke: currentColor; fill: none; stroke-width: 2; }

/* === CTA bar === */
.cta-band {
  background: linear-gradient(135deg, var(--brand) 0%, #11365C 100%);
  color: #fff; padding: 64px 0; border-radius: var(--radius-lg);
  margin: 64px 24px;
  text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.78); max-width: 580px; margin: 0 auto 28px; font-size: 1.05rem; }
.cta-band .btn-p { background: #fff; color: var(--ink); }
.cta-band .btn-p:hover { background: #fff; color: var(--ink); box-shadow: var(--shadow-lg); }

/* === Footer === */
.ft { background: var(--ink); color: #94A3B8; padding: 64px 0 32px; }
.ft a { color: #CBD5E1; }
.ft a:hover { color: #fff; text-decoration: none; }
.ft-grid { display: grid; grid-template-columns: 2fr repeat(3, 1fr); gap: 48px; margin-bottom: 48px; }
.ft-brand h4 { color: #fff; margin: 0 0 12px; }
.ft-brand p { color: #94A3B8; font-size: .92rem; max-width: 340px; }
.ft-col h5 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 16px; }
.ft-col ul { list-style: none; padding: 0; margin: 0; }
.ft-col li { margin-bottom: 10px; font-size: .92rem; }
.ft-bot { border-top: 1px solid #1E293B; padding-top: 24px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; }
.ft-disclosure { font-size: .8rem; color: #64748B; max-width: 880px; margin-top: 16px; }

@media (max-width: 760px) {
  .ft-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .ft-brand { grid-column: 1 / -1; }
}

/* === Article reading === */
.aread { padding: 56px 0 96px; }
.aread-back { display: inline-flex; align-items: center; gap: 6px; color: var(--ink-3); font-size: .9rem; margin-bottom: 24px; }
.aread-back svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2.5; }
.art-meta-bar { display: flex; gap: 12px; align-items: center; font-size: .85rem; color: var(--ink-3); margin-bottom: 16px; }
.art-meta-bar .cat { color: var(--accent); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
.art-meta-bar .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--ink-4); }
.lead { font-size: 1.2rem; color: var(--ink-3); line-height: 1.55; margin: 0 0 32px; }
.prose { font-size: 1.05rem; line-height: 1.75; color: var(--ink-2); max-width: 760px; }
.prose h2 { margin-top: 48px; font-size: 1.7rem; }
.prose h3 { margin-top: 32px; font-size: 1.25rem; }
.prose p { margin: 0 0 18px; }
.prose ul, .prose ol { margin: 0 0 22px 24px; padding: 0; }
.prose li { margin-bottom: 8px; }
.prose blockquote { border-left: 3px solid var(--accent); margin: 24px 0; padding: 4px 0 4px 20px; color: var(--ink-3); font-style: italic; }
.prose code { background: var(--bg-dim); padding: 2px 6px; border-radius: 4px; font-size: .92em; }
.prose table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: .95rem; }
.prose table th, .prose table td { padding: 12px 16px; border-bottom: 1px solid var(--border); text-align: left; }
.prose table th { background: var(--bg-soft); font-weight: 600; color: var(--ink); }
.prose a { font-weight: 500; }

.aread-cta { background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; margin-top: 48px; display: flex; gap: 24px; align-items: center; flex-wrap: wrap; justify-content: space-between; }
.aread-cta h3 { margin: 0 0 6px; font-size: 1.15rem; }
.aread-cta p { margin: 0; color: var(--ink-3); font-size: .95rem; }

.arelated { margin-top: 48px; }
.arelated-h { font-size: .8rem; color: var(--ink-3); text-transform: uppercase; letter-spacing: .12em; font-weight: 700; margin-bottom: 16px; font-family: 'JetBrains Mono', monospace; }
.arelated-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .arelated-list { grid-template-columns: 1fr; } }
.arelated-card { padding: 20px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); color: var(--ink-2); }
.arelated-card:hover { border-color: var(--ink); text-decoration: none; }
.arelated-card .arelated-cat { font-size: .72rem; color: var(--accent); font-weight: 700; text-transform: uppercase; margin-bottom: 6px; }
.arelated-card h4 { font-size: 1rem; margin: 0; line-height: 1.35; }

/* === Calculator === */
.calc { display: grid; grid-template-columns: 1.1fr 1fr; gap: 32px; align-items: start; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc-form { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-sm); }
.calc-result { background: var(--ink); color: #fff; border-radius: var(--radius); padding: 32px; }
.calc-result h3 { color: #fff; margin: 0 0 6px; font-size: 1rem; font-weight: 500; color: #94A3B8; }
.calc-result .pmt { font-family: 'JetBrains Mono', monospace; font-size: 3rem; font-weight: 700; letter-spacing: -0.02em; color: #fff; margin-bottom: 24px; }
.calc-result .breakdown { border-top: 1px solid #1E293B; padding-top: 20px; }
.calc-result .breakdown .row { display: flex; justify-content: space-between; padding: 8px 0; font-size: .95rem; color: #CBD5E1; }
.calc-result .breakdown .row .num { color: #fff; }
.field { margin-bottom: 20px; }
.field label { display: block; font-size: .85rem; font-weight: 600; color: var(--ink-2); margin-bottom: 6px; }
.field input, .field select {
  width: 100%; padding: 12px 14px; font-size: 1rem;
  border: 1px solid var(--border-2); border-radius: 8px;
  background: #fff; color: var(--ink); font-family: inherit;
}
.field input:focus, .field select:focus { outline: 2px solid var(--accent); outline-offset: 1px; border-color: var(--accent); }

/* === Hairlines === */
.hz { border: 0; border-top: 1px solid var(--border); margin: 0; }

/* === Utilities === */
.row { display: flex; gap: 16px; flex-wrap: wrap; }
.row > * { flex: 1; min-width: 180px; }
.muted { color: var(--ink-3); }
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-2 { margin-top: 8px; }
.mt-3 { margin-top: 12px; }
.mt-4 { margin-top: 16px; }
.mt-6 { margin-top: 24px; }
.mt-8 { margin-top: 32px; }

/* === Disclosure === */
.disclosure {
  font-size: .82rem; color: var(--ink-3);
  background: var(--bg-soft); border: 1px solid var(--border);
  border-radius: 8px; padding: 14px 18px;
}