/* ================================================================
   RIDGE HOME LOANS — Minimal Shared Stylesheet
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* ── Reset ────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --green:       #5CB82C;
  --green-dark:  #47961F;
  --green-light: #F0F9E8;
  --black:       #111111;
  --charcoal:    #4A4A4A;
  --white:       #FFFFFF;
  --gray-50:     #FAFAFA;
  --gray-100:    #F4F4F5;
  --gray-200:    #E4E4E7;
  --gray-300:    #D1D5DB;
  --gray-500:    #71717A;
  --gray-700:    #3F3F46;
  --radius:      12px;
  --max-w:       1100px;
  --bg-page:     #F5F5F7;
}

html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--gray-700);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
  font-size: 16px;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ── Nav ──────────────────────────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
}
.nav-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 32px;
  height: 64px; display: flex; align-items: center; justify-content: center;
}
.logo {
  font-size: 1.35rem; font-weight: 800; letter-spacing: -0.5px;
  display: inline-flex; align-items: baseline; line-height: 1;
}
.logo .r { color: #4A4A4A; font-weight: 700; text-transform: uppercase; }
.logo .h { color: var(--green); font-weight: 500; font-size: 1.32rem; }

.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-links a {
  font-size: .875rem; font-weight: 500; color: var(--gray-500);
  padding: 7px 13px; border-radius: 8px;
  transition: color .15s, background .15s;
}
.nav-links a:hover { color: var(--black); background: var(--gray-100); }
.nav-links a.active { color: var(--black); font-weight: 600; }
/* Logo inside nav-links: preserve its larger type and don't highlight on hover */
.nav-links a.logo {
  font-size: 1.35rem; padding: 6px 16px 6px 13px;
  margin-right: 10px; border-right: 1px solid var(--gray-200);
}
.nav-links a.logo:hover { background: none; }
.nav-links a.cta {
  background: var(--black); color: var(--white) !important;
  padding: 8px 18px; border-radius: 9999px; font-weight: 600;
}
.nav-links a.cta:hover { background: var(--charcoal); }

.nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  padding: 8px; flex-direction: column; gap: 5px;
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--gray-700); border-radius: 2px; }
.nav-logo-mobile { display: none; }
.nav-apply-mobile {
  display: none; font-size: .8rem; font-weight: 600;
  background: var(--black); color: var(--white) !important;
  padding: 7px 14px; border-radius: 9999px; white-space: nowrap;
  margin-left: auto; margin-right: 16px;
  transition: background .15s;
}
.nav-apply-mobile:hover { background: var(--charcoal); }

/* ── Layout ───────────────────────────────────────────────────── */
.wrap       { max-width: var(--max-w); margin: 0 auto; padding: 0 32px; }
.wrap-block { background: var(--bg-page); margin-bottom: 12px; padding: 0 32px; }
.section    { background: var(--bg-page); margin-bottom: 12px; padding: 96px 32px; }
.section-sm { background: var(--bg-page); margin-bottom: 12px; padding: 72px 32px; }

/* When .wrap sits inside a container that already provides side gutters,
   strip its own padding so content doesn't double-indent */
.page-header .wrap,
.wrap-block .wrap,
.section .wrap,
.section-sm .wrap { padding: 0; }
.section    > * { max-width: var(--max-w); margin-left: auto; margin-right: auto; }
.section-sm > * { max-width: var(--max-w); margin-left: auto; margin-right: auto; }
hr.rule     { border: none; margin: 0; }

/* ── Page header (interior pages) ────────────────────────────── */
.page-header { padding: 72px 32px 64px; background: var(--bg-page); margin-bottom: 12px; }
.page-header .wrap { max-width: var(--max-w); }
.page-header h1 {
  font-size: clamp(2.2rem, 5vw, 3.2rem); font-weight: 800;
  color: var(--black); letter-spacing: -1px; line-height: 1.1;
  margin-bottom: 14px;
}
.page-header p {
  font-size: 1.05rem; color: var(--gray-500); max-width: 520px; line-height: 1.7;
}
.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: .8rem; color: var(--gray-300); margin-bottom: 20px;
}
.breadcrumb a { color: var(--green-dark); }

/* ── Typography helpers ───────────────────────────────────────── */
.label {
  display: block; font-size: .78rem; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase;
  color: var(--green-dark); margin-bottom: 14px;
}
.section-title {
  font-size: clamp(1.8rem, 3.5vw, 2.4rem); font-weight: 800;
  color: var(--black); letter-spacing: -0.8px; line-height: 1.15;
  margin-bottom: 14px;
}
.section-sub {
  font-size: 1rem; color: var(--gray-500); max-width: 500px; line-height: 1.7;
}

/* ── Buttons ──────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Inter', sans-serif; font-weight: 600; cursor: pointer;
  border-radius: 9999px; transition: all .15s; white-space: nowrap;
  border: none;
}
.btn-primary {
  background: var(--green); color: var(--white);
  font-size: .95rem; padding: 13px 26px;
}
.btn-primary:hover { background: var(--green-dark); transform: translateY(-1px); }
.btn-primary-lg {
  background: var(--green); color: var(--white);
  font-size: 1rem; padding: 16px 32px;
}
.btn-primary-lg:hover { background: var(--green-dark); }
.btn-black {
  background: var(--black); color: var(--white);
  font-size: .95rem; padding: 13px 26px;
}
.btn-black:hover { background: var(--charcoal); }
.btn-ghost {
  background: none; color: var(--gray-500); font-size: .95rem;
  padding: 13px 0; display: inline-flex; align-items: center; gap: 6px;
}
.btn-ghost:hover { color: var(--black); }
.btn-outline {
  background: none; color: var(--gray-700); font-size: .875rem;
  padding: 10px 20px; border: 1.5px solid var(--gray-200);
  border-radius: 9999px;
}
.btn-outline:hover { border-color: var(--gray-500); color: var(--black); }
.btn-outline-dark {
  background: transparent; color: var(--black);
  font-size: .9rem; padding: 10px 22px;
  border: 1.5px solid var(--black); border-radius: 9999px;
  white-space: nowrap;
}
.btn-outline-dark:hover { background: #4A4A4A; border-color: #4A4A4A; color: var(--white); }

/* ── Checklist ────────────────────────────────────────────────── */
.checklist { display: flex; flex-direction: column; gap: 10px; }
.check-item { display: flex; align-items: flex-start; gap: 10px; font-size: .95rem; line-height: 1.5; }
.check-item .dot {
  width: 20px; height: 20px; min-width: 20px; border-radius: 50%;
  background: var(--gray-100); border: 1.5px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  font-size: .65rem; color: var(--green-dark); margin-top: 1px;
}

/* ── Stars ────────────────────────────────────────────────────── */
.stars { color: #F59E0B; letter-spacing: 2px; }

/* ── Bottom CTA ───────────────────────────────────────────────── */
.cta-strip { background: var(--black); }
.cta-strip-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 88px 32px;
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: 48px; flex-wrap: wrap;
}
.cta-strip h2 {
  font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; color: var(--white);
  letter-spacing: -1px; line-height: 1.15; max-width: 540px;
}
.cta-strip h2 span { color: var(--green); }
.cta-strip-right { display: flex; flex-direction: column; gap: 10px; align-items: flex-start; }
.cta-strip-phone { font-size: .875rem; color: #666; }
.cta-strip-phone a { color: #999; font-weight: 500; transition: color .15s; }
.cta-strip-phone a:hover { color: var(--white); }

/* ── Footer ───────────────────────────────────────────────────── */
.footer { border-top: 1px solid #222; background: var(--black); }
.footer-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 36px 32px;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: nowrap; gap: 24px;
}
.footer-left { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; flex-shrink: 0; }
.footer-nav { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-nav a { font-size: .82rem; color: #555; transition: color .15s; }
.footer-nav a:hover { color: #999; }
.footer-right { font-size: .75rem; color: #666; text-align: right; line-height: 1.7; flex-shrink: 0; }

/* ── Form ─────────────────────────────────────────────────────── */
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .82rem; font-weight: 600; color: var(--gray-700); margin-bottom: 6px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--gray-200); border-radius: var(--radius);
  font-family: 'Inter', sans-serif; font-size: .95rem; color: var(--gray-700);
  background: var(--white); transition: border-color .15s; outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--green); box-shadow: 0 0 0 3px rgba(92,184,44,.1); }
.form-group textarea { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-note { font-size: .75rem; color: var(--gray-300); line-height: 1.5; margin-top: 10px; }

/* ── Responsive ───────────────────────────────────────────────── */
@media (max-width: 768px) {
  .nav-inner { justify-content: space-between; }
  .nav-logo-mobile { display: inline-flex; }
  .nav-apply-mobile { display: inline-flex; align-items: center; }
  .nav-links {
    display: none; position: absolute; top: 64px; left: 0; right: 0;
    background: var(--white); border-bottom: 1px solid var(--gray-200);
    flex-direction: column; padding: 12px; gap: 2px;
  }
  .nav-links.open { display: flex; }
  .nav-links a.logo { border-right: none; margin-right: 0; padding: 7px 13px; font-size: 1.2rem; }
  .nav-toggle { display: flex; }
  .wrap, .section, .section-sm, .wrap-block { padding-left: 20px; padding-right: 20px; }
  .page-header { padding: 56px 20px 48px; }
  .cta-strip-inner { flex-direction: column; align-items: flex-start; }
  .footer-inner { flex-direction: column; align-items: flex-start; }
  .footer-right { text-align: left; }
  .form-row { grid-template-columns: 1fr; }
}