/* =============================
   THEME + GLOBAL
============================= */
:root{
  --bg:#0f172a;         /* page background (dark) */
  --panel:#111827;      /* panels / dropdowns */
  --text:#e5e7eb;       /* primary text */
  --muted:#94a3b8;      /* secondary text */
  --accent:#38bdf8;     /* cyan accent */
  --brand:#60a5fa;      /* blue accent */
  --pad: clamp(16px, 4vw, 28px);
}
*{ box-sizing:border-box }
html,body{
  margin:0;
  background:var(--bg);
  color:var(--text);
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,"Helvetica Neue",Arial,sans-serif;
  line-height:1.5;
  font-size: clamp(16px, 1.5vw + 12px, 18px);
}
img{ max-width:100%; height:auto; display:block; }
a{ color:var(--accent); text-decoration:none; }
.container{ max-width:1100px; margin:0 auto; padding:0 20px; }
.narrow{ max-width:800px; }
.center{ text-align:center; }
.small{ font-size:.9rem; color:var(--muted); }
html, body { overflow-x: hidden; }
.btn, .btn-outline, .icon, .nav a, .menu a { min-height:44px; min-width:44px; }

/* =============================
   ANNOUNCEMENT RIBBON (AI)
   – choose bold brand ribbon
============================= */
.announce{
  background:#0b5fff;     /* bright blue */
  color:#fff;
  font-weight:600;
  border-bottom:2px solid #0845c6;
}
.announce .container{
  display:flex; align-items:center; justify-content:space-between;
  gap:1rem; padding:.75rem 1rem;
}
.announce a{ color:#fff; font-weight:700; text-decoration:underline; }
.announce button{
  background:transparent; border:0; color:#fff;
  font-size:1.2rem; cursor:pointer;
}

/* Optional light variant (commented)
.announce{ background:#eaf2ff; color:#0b1a3a; font-weight:600; border-bottom:1px solid #c8dcff }
.announce a{ color:#0b5fff; text-decoration:underline; font-weight:700 }
.announce button{ color:inherit }
*/

/* =============================
   HEADER
============================= */
.site-header{
  position:sticky; top:0; z-index:10;
  background:rgba(15,23,42,.9);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid rgba(255,255,255,.06);
}
.topbar{ display:flex; align-items:center; justify-content:space-between; padding:14px 0; }
.brand{ display:flex; align-items:center; gap:12px; min-width:0; }
.logo{
  display:grid; place-items:center; width:42px; height:42px; border-radius:10px;
  background:linear-gradient(135deg,var(--accent),var(--brand));
  color:#001016; text-decoration:none; font-weight:700;
}
.brand-text h1{ font-size:1.1rem; margin:0; }
.brand-text p{ margin:0; color:var(--muted); font-size:.9rem; }

/* NAV */
.nav{ min-width:0; }
.nav .menu{
  display:flex; gap:14px; list-style:none; margin:0; padding:0; align-items:center; min-width:0;
}
.nav a{ display:inline-block; padding:8px 10px; text-decoration:none; white-space:nowrap; }

/* Icons in header */
.icon{
  display:inline-flex; align-items:center; justify-content:center;
  width:34px; height:34px; border-radius:8px;
  border:1px solid rgba(255,255,255,.18); color:#e5e7eb;
}
.icon:hover{ border-color:rgba(255,255,255,.35); }

/* AI badge in nav/headers */
.tag-ai{
  font-size:.7rem; padding:.1rem .35rem; border:1px solid #1a73e8;
  border-radius:.5rem; margin-left:.4rem; color:#1a73e8; font-weight:600;
}
.label-ai{
  font-size:.6em; vertical-align:middle; padding:.25em .45em;
  border:1px solid #1a73e8; border-radius:.5em; margin-left:.35em; color:#1a73e8;
}

/* Mobile toggle */
.menu-toggle{ display:none; border:0; background:transparent; color:var(--text); font-size:1.25rem; padding:8px; }

/* =============================
   BUTTONS
============================= */
.btn{
  background:linear-gradient(135deg,var(--accent),var(--brand));
  color:#001016; border:none; border-radius:10px; padding:10px 16px; font-weight:700;
}
.btn-outline{ border:1px solid var(--accent); border-radius:10px; padding:10px 16px; }
.btn-green{ background-color:#25D366 !important; color:#001016 !important; border-color:#25D366 !important; }
.btn-blue{ background-color:#4285F4 !important; color:#fff !important; border:1px solid #4285F4 !important; }

/* =============================
   HERO + SECTIONS
============================= */
.hero{
  padding:64px 0;
  background:
    radial-gradient(1200px 400px at 10% 10%, rgba(56,189,248,.12), transparent 60%),
    radial-gradient(1000px 400px at 90% 0%, rgba(96,165,250,.12), transparent 60%);
}
.hero-inner{ display:grid; grid-template-columns:1.2fr .8fr; gap:28px; align-items:center; }
.hero-copy h1,.hero-copy h2{ font-size:clamp(24px, 4.5vw, 40px); line-height:1.2; }
.hero-photo-card{
  background:linear-gradient(180deg, rgba(255,255,255,.06), rgba(255,255,255,.02));
  border:1px solid rgba(255,255,255,.08); border-radius:14px; padding:16px;
}
.hero-photo-card img{ width:100%; height:auto; border-radius:10px; }

.benefits{ padding:40px 0; }
.programs{ padding:36px 0; }
.cta-banner{ padding:36px 0; }
.cta-banner-inner{
  display:flex; align-items:center; justify-content:space-between;
  background:linear-gradient(135deg, rgba(34,211,238,.15), rgba(96,165,250,.15));
  border:1px solid rgba(255,255,255,.08); border-radius:14px; padding:18px;
}

.page-hero{ padding:48px 0; background:radial-gradient(800px 400px at 20% 0%, rgba(34,211,238,.14), transparent 60%); }
.content{ padding:20px 0; }

.grid-3{ display:grid; grid-template-columns:repeat(3,1fr); gap:16px; }
.grid-2{ display:grid; grid-template-columns:repeat(2,1fr); gap:16px; }

.card{
  background:linear-gradient(180deg, rgba(255,255,255,.04), rgba(255,255,255,.02));
  border:1px solid rgba(255,255,255,.08); border-radius:14px; padding:18px;
}

/* Home tools promo card highlighting */
.home-tools .card{
  background:#f3f8ff; border:1px solid #cfe0ff; box-shadow:0 10px 18px rgba(11,95,255,0.08);
}
.home-tools .card h2{ color:#0b5fff; }
.home-tools .card p{ color:#0f172a; }

/* Utilities */
.checklist{ list-style:none; padding:0; }
.checklist li{ padding-left:26px; position:relative; margin:8px 0; }
.checklist li::before{ content:"✔"; position:absolute; left:0; top:0; color:var(--accent); }

.about-wrap{ display:grid; grid-template-columns:220px 1fr; gap:20px; align-items:start; }
.headshot{ width:100%; height:auto; border-radius:10px; border:1px solid rgba(255,255,255,.1); }
.home-intro{ padding:20px 0; }
.cta-row{ margin-top:8px; font-weight:600; }

/* Tip box (Resources, Loans cross-link) */
.tip-box{
  background:#f8fafc; border:1px solid #e5e7eb; border-radius:8px;
  padding:12px 14px; margin:16px 0 20px;
}
.tip-box a{ font-weight:700; }

/* =============================
   FORM STYLING (Loan Advisor)
============================= */
.field label{
  display:block; font-weight:600; margin:6px 0;
  color:#111;                 /* strong, readable labels */
  font-size:.95rem;
}
.field input, .field select{
  width:100%; padding:10px 12px;
  border:1px solid #cbd5e1; border-radius:8px; background:#fff; color:#0f172a;
}
.helper{ color:#475569; font-size:.9rem; }
.error-box{
  display:none; background:#fff5f5; border:1px solid #fecaca; color:#991b1b;
  padding:10px; border-radius:8px; margin-top:10px;
}
.result-wrap{ display:none; margin-top:18px; }
.result-wrap h2{ margin-top:0; }
.muted{ color:#475569; font-size:.9rem; }
.disclosure{ font-size:.85rem; color:#475569; margin-top:14px; }

/* Make AI reasoning full-strength text */
#result #aiRec, #result #aiRec p, #result #aiRec li{ color:#111 !important; }

/* Checkbox consent tweaks */
.field label input[type="checkbox"]{ margin-right:6px; }
.field label[for="consent"], .field label input[type="checkbox"] + *{
  color:#111; font-weight:500; font-size:.95rem;
}

/* Tool card container */
.tool-card{
  background:#fff; border:1px solid #e5e7eb; border-radius:12px;
  padding:20px; box-shadow:0 10px 14px rgba(0,0,0,.03); color:#0f172a;
}

/* =============================
   FOOTER
============================= */
.site-footer{ border-top:1px solid rgba(255,255,255,.08); padding:24px 0; margin-top:40px; }
.footer-grid{ display:grid; grid-template-columns:1fr 1fr 1fr 1fr; gap:20px; }
.social-icons{ display:flex; gap:10px; align-items:center; }

/* =============================
   STICKY MOBILE CTA
============================= */
.sticky-cta{
  position:sticky; bottom:0; z-index:20;
  display:flex; gap:8px; justify-content:space-between;
  padding:10px var(--pad);
  backdrop-filter:saturate(1.2) blur(6px);
  background:rgba(17,24,39,.75);
  border-top:1px solid rgba(255,255,255,.08);
}
@media (min-width:901px){
  .sticky-cta{ position:static; backdrop-filter:none; background:transparent; border:0; padding:0; }
}

/* =============================
   RESPONSIVE / MOBILE
============================= */
@media (max-width:900px){
  .container{ padding:0 var(--pad); }

  .hero{ padding:clamp(36px, 8vh, 64px) 0; }
  .hero-inner{ grid-template-columns:1fr; gap:clamp(14px, 4vw, 28px); }

  .grid-3{ grid-template-columns:1fr; gap:12px; }
  .grid-2{ grid-template-columns:1fr; gap:12px; }

  .cta-banner-inner{ flex-direction:column; gap:10px; align-items:flex-start; }

  /* Mobile dropdown menu */
  .menu{
    display:none !important;
    position:absolute; right:20px; top:60px;
    background:var(--panel);
    padding:12px 10px; border-radius:10px;
    border:1px solid rgba(255,255,255,.1);
    width:min(92vw, 320px);
    box-shadow:0 20px 40px rgba(0,0,0,.35);
    backdrop-filter:saturate(160%) blur(8px);
  }
  .menu.show{ display:block !important; }
  .menu-toggle{ display:block; }

  .about-wrap{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr 1fr; }
  main{ padding-bottom:84px; } /* room above sticky bar */
}
@media (min-width:901px){
  .nav .menu{ display:flex; flex-wrap:wrap; gap:14px; }
}

/* Extra tiny screens */
@media (max-width:560px){
  .footer-grid{ grid-template-columns:1fr; }
}

/* Safety: allow flex children to shrink, avoid overflow */
.topbar, .brand, .nav, .nav .menu { min-width:0; }

/* Home hero CTAs wrap on narrow screens */
.hero .cta{ display:flex; flex-wrap:wrap; gap:10px; }
@media (max-width:520px){
  .hero .cta a{ flex:1 1 100%; }
}
.help {
  display:inline-flex; align-items:center; justify-content:center;
  width:18px; height:18px; margin-left:6px; border-radius:50%;
  border:1px solid rgba(148,163,184,.5); font-size:12px; cursor:help;
}
.help:hover { background:rgba(148,163,184,.15); }
.help-tip {
  display:block; font-size:12px; color:#6b7280; margin-top:4px;
}
/* Wider container option for funnel forms */
.container.wide {
  max-width: 1100px;   /* adjust as you like */
  margin: 0 auto;
  padding: 0 var(--pad, 1rem);
}
#comments {
  margin-top: 2.5rem;
  padding-top: 1rem;
  border-top: 1px solid #e5e7eb;
}
#comments h2 {
  margin-bottom: 1rem;
  font-size: 1.25rem;
}