/* Lizzy Loans LLC — shared stylesheet */
:root{
  --cream:#fbf7ec;
  --cream-2:#f4ecd8;
  --ink:#1f2a2c;
  --ink-soft:#3c4d50;
  --turq:#5ec8c6;
  --turq-deep:#2f9b99;
  --turq-ink:#1d6f6e;
  --foil:#9fe4e0;
  --line:#e3dcc7;
  --shadow:0 18px 50px -22px rgba(29,111,110,.45);
  --radius:22px;
  --maxw:1120px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:-apple-system,system-ui,"Segoe UI",Helvetica,Arial,sans-serif;
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--turq-ink)}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:10px 16px;border-radius:12px;z-index:99}

/* ---------- header ---------- */
.site-head{
  position:sticky;top:0;z-index:50;
  background:rgba(251,247,236,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.head-inner{display:flex;align-items:center;gap:18px;padding:14px 24px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:inherit}
.brand img{width:64px;height:64px;border-radius:50%;box-shadow:var(--shadow)}
.brand-name{display:block;font-size:26px;font-weight:900;letter-spacing:.06em;line-height:1.05;
  background:linear-gradient(100deg,var(--turq-ink),var(--turq),var(--turq-deep));
  -webkit-background-clip:text;background-clip:text;color:transparent}
.brand-sub{display:block;white-space:nowrap;font-size:11px;font-weight:800;letter-spacing:.22em;color:var(--turq-ink);margin-top:2px}
.site-nav{margin-left:auto;display:flex;align-items:center;gap:26px;flex-wrap:wrap}
.site-nav a{
  text-decoration:none;color:var(--ink-soft);font-size:14px;font-weight:700;
  letter-spacing:.04em;padding:6px 2px;border-bottom:2px solid transparent;
}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:var(--turq-ink);border-bottom-color:var(--turq)}
.site-nav .nav-cta{
  background:linear-gradient(120deg,var(--turq-deep),var(--turq));
  color:#fff;border:0;border-radius:999px;padding:10px 18px;box-shadow:var(--shadow)
}
.site-nav .nav-cta:hover{color:#fff}

/* ---------- shared bits ---------- */
.eyebrow{
  display:inline-block;font-size:12px;font-weight:800;letter-spacing:.2em;
  color:var(--turq-ink);text-transform:uppercase;margin:0 0 14px
}
.pill{
  display:inline-flex;align-items:center;gap:10px;border:1px solid var(--line);
  background:rgba(255,255,255,.7);border-radius:999px;padding:10px 20px;
  font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--turq-ink)
}
.pill::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--turq)}
h1,h2,h3{letter-spacing:-.02em;line-height:1.1;margin:0 0 16px}
h1{font-size:clamp(38px,6vw,60px);font-weight:900}
h2{font-size:clamp(28px,4vw,40px);font-weight:900}
h3{font-size:19px;font-weight:800;letter-spacing:-.01em}
.lede{font-size:19px;color:var(--ink-soft);max-width:62ch}
.muted{color:var(--ink-soft)}
.small{font-size:13px}
section{padding:78px 0;border-top:1px solid var(--line)}
section:first-of-type{border-top:0}

.btn{
  display:inline-flex;align-items:center;gap:10px;justify-content:center;
  border-radius:16px;padding:15px 26px;font-size:16px;font-weight:800;
  text-decoration:none;cursor:pointer;border:1px solid transparent;transition:transform .15s ease
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(120deg,var(--turq-deep),var(--turq));color:#fff;box-shadow:var(--shadow)}
.btn-ghost{background:#fff;border-color:var(--line);color:var(--ink)}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;box-shadow:0 10px 30px -24px rgba(29,111,110,.5)
}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.note{
  border-left:4px solid var(--turq);background:rgba(159,228,224,.18);
  padding:16px 20px;border-radius:0 14px 14px 0;font-size:15px;color:var(--ink-soft)
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding:76px 0 64px;border-top:0}
.hero::before{
  content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background:
    linear-gradient(103deg,transparent 18%,rgba(159,228,224,.55) 19%,rgba(159,228,224,0) 34%),
    linear-gradient(97deg,transparent 52%,rgba(94,200,198,.35) 53%,rgba(94,200,198,0) 66%),
    linear-gradient(180deg,var(--cream-2),var(--cream) 60%);
}
.hero .wrap{position:relative;z-index:1}
.hero h1 .accent{
  background:linear-gradient(100deg,var(--turq-deep),var(--turq));
  -webkit-background-clip:text;background-clip:text;color:transparent
}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.portrait{border-radius:var(--radius);overflow:hidden;border:2px solid var(--turq);box-shadow:var(--shadow)}

/* ---------- forms ---------- */
.field{margin-bottom:18px}
.field label{display:block;font-size:13px;font-weight:800;letter-spacing:.05em;margin-bottom:7px;color:var(--ink-soft)}
.field .hint{font-weight:600;letter-spacing:0;color:var(--ink-soft);opacity:.8}
input,select,textarea{
  width:100%;font:inherit;font-size:16px;color:var(--ink);background:#fff;
  border:1px solid var(--line);border-radius:14px;padding:13px 15px;
}
input:focus,select:focus,textarea:focus{outline:2px solid var(--turq);outline-offset:1px;border-color:var(--turq)}
textarea{min-height:130px;resize:vertical}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:0 0 24px;background:#fff}
legend{font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--turq-ink);padding:0 8px}
.hp{position:absolute;left:-9999px}
.req{color:var(--turq-deep)}

/* ---------- tables / rates ---------- */
.rate-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px}
.rate-tile{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;text-align:center}
.rate-tile .t-label{font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--ink-soft);text-transform:uppercase}
.rate-tile .t-value{font-size:30px;font-weight:900;letter-spacing:-.02em;margin:6px 0 2px;color:var(--turq-ink)}
.rate-tile .t-delta{font-size:12px;font-weight:700}
.up{color:#2f9b99}.down{color:#b4553f}.flat{color:var(--ink-soft)}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{text-align:left;padding:12px 10px;border-bottom:1px solid var(--line)}
th{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}

/* ---------- calculator ---------- */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.result{background:linear-gradient(160deg,#fff,rgba(159,228,224,.22));border:1px solid var(--turq);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.result .big{font-size:42px;font-weight:900;letter-spacing:-.03em;color:var(--turq-ink);line-height:1.1}
.kv{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px dashed var(--line);font-size:15px}
.kv:last-child{border-bottom:0}
.kv .k{color:var(--ink-soft)}
.kv .v{font-weight:800;font-variant-numeric:tabular-nums}
.badge{display:inline-block;border-radius:999px;padding:4px 12px;font-size:12px;font-weight:800;letter-spacing:.08em}
.badge.ok{background:rgba(94,200,198,.25);color:var(--turq-ink)}
.badge.warn{background:rgba(214,138,63,.18);color:#8a5320}

/* ---------- footer ---------- */
.site-foot{background:var(--cream-2);border-top:1px solid var(--line);padding:52px 0 34px;font-size:14px;color:var(--ink-soft)}
.site-foot h4{font-size:16px;font-weight:900;color:var(--ink);margin:0 0 12px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:34px}
.fineprint{margin-top:26px;padding-top:18px;border-top:1px solid var(--line);font-size:12px;line-height:1.6;color:var(--ink-soft);opacity:.85}
.fineprint strong{letter-spacing:.1em;text-transform:uppercase;font-size:11px;color:var(--turq-ink)}
.foot-bottom{margin-top:30px;padding-top:18px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px}

@media (max-width:880px){
  .hero-grid,.calc-grid,.g2,.g3,.g4,.foot-grid{grid-template-columns:1fr}
  .head-inner{flex-wrap:wrap;gap:12px}
  .site-nav{margin-left:0;width:100%;gap:16px;justify-content:flex-start}
  .brand img{width:52px;height:52px}
  .brand-name{font-size:21px}
  section{padding:56px 0}
}
@media print{.site-head,.site-nav,.btn{display:none}}
.card.feature{border:2px solid var(--turq);box-shadow:var(--shadow)}
.card.feature h3{color:var(--turq-ink)}
.accent{background:linear-gradient(100deg,var(--turq-deep),var(--turq));-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---------- glossy foil glare, site-wide ---------- */
body::before{
  content:"";position:fixed;inset:0;z-index:0;pointer-events:none;
  background:
    linear-gradient(103deg,transparent 22%,rgba(159,228,224,.50) 23%,rgba(159,228,224,0) 38%),
    linear-gradient(97deg,transparent 55%,rgba(94,200,198,.30) 56%,rgba(94,200,198,0) 70%),
    linear-gradient(115deg,transparent 80%,rgba(255,255,255,.55) 81%,rgba(255,255,255,0) 92%);
}
body::after{
  content:"";position:fixed;inset:-25%;z-index:3;pointer-events:none;
  background:linear-gradient(105deg,transparent 44%,rgba(255,255,255,.16) 50%,transparent 56%);
  mix-blend-mode:soft-light;
  animation:pageSheen 16s ease-in-out infinite;
  will-change:transform;
}
@keyframes pageSheen{0%{transform:translateX(-28%)}50%{transform:translateX(28%)}100%{transform:translateX(-28%)}}
@media (prefers-reduced-motion:reduce){body::after{animation:none}}

/* glassy cards: streaks glow through, glossy top light, gentle lift on hover */
.card{
  position:relative;overflow:hidden;
  background:rgba(255,255,255,.84);
  backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
  transition:transform .18s ease,box-shadow .18s ease;
}
.card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:46%;
  background:linear-gradient(180deg,rgba(255,255,255,.70),rgba(255,255,255,0));
  pointer-events:none;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card.feature{box-shadow:0 14px 44px -18px rgba(47,155,153,.55)}
.card.feature::after{
  content:"";position:absolute;top:-60%;left:-30%;width:55%;height:220%;
  background:linear-gradient(105deg,transparent,rgba(159,228,224,.35),transparent);
  transform:rotate(12deg);pointer-events:none;
}

/* glossy sweep on primary buttons and the nav pill */
.btn-primary,.site-nav .nav-cta{position:relative;overflow:hidden}
.btn-primary::after,.site-nav .nav-cta::after{
  content:"";position:absolute;top:0;left:-70%;width:45%;height:100%;
  background:linear-gradient(105deg,transparent,rgba(255,255,255,.5),transparent);
  transform:skewX(-20deg);
  animation:btnSheen 4.5s ease-in-out infinite;
}
@keyframes btnSheen{0%{left:-70%}55%{left:130%}100%{left:130%}}
@media (prefers-reduced-motion:reduce){.btn-primary::after,.site-nav .nav-cta::after{animation:none;display:none}}

/* luminous edge under the sticky header */
.site-head::after{
  content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;
  background:linear-gradient(90deg,transparent 4%,var(--foil) 30%,var(--turq) 50%,var(--foil) 70%,transparent 96%);
  opacity:.9;
}
.site-head{position:sticky}

/* glow on the portrait and the result panel */
.portrait{box-shadow:0 24px 70px -24px rgba(29,111,110,.6),0 0 0 6px rgba(159,228,224,.25)}
.result{backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);background:linear-gradient(160deg,rgba(255,255,255,.9),rgba(159,228,224,.28))}

/* keep the glare behind the words */
.card::before,.card.feature::after{z-index:0}
.card>*{position:relative;z-index:1}
body::after{background:linear-gradient(105deg,transparent 45%,rgba(255,255,255,.11) 50%,transparent 55%)}


/* ---------- dusk skyline, continuous across every page ---------- */
body::before{
  content:"";position:fixed;inset:0;z-index:0;pointer-events:none;
  background:
    linear-gradient(103deg,transparent 22%,rgba(159,228,224,.45) 23%,rgba(159,228,224,0) 38%),
    linear-gradient(97deg,transparent 55%,rgba(94,200,198,.28) 56%,rgba(94,200,198,0) 70%),
    linear-gradient(115deg,transparent 80%,rgba(255,255,255,.5) 81%,rgba(255,255,255,0) 92%),
    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    radial-gradient(ellipse 60% 38% at 72% 100%,rgba(255,168,88,.42),rgba(255,168,88,0) 68%),
    radial-gradient(ellipse 90% 30% at 30% 100%,rgba(94,200,198,.20),rgba(94,200,198,0) 70%);
  background-repeat:no-repeat,no-repeat,no-repeat,repeat-x,no-repeat,no-repeat;
  background-position:0 0,0 0,0 0,bottom center,bottom center,bottom center;
  background-size:auto,auto,auto,auto 300px,auto,auto;
}
/* footer goes glassy so the skyline glows through it */
.site-foot{background:rgba(244,236,216,.80);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}

/* ---------- performance: keep the look, drop the GPU killers ---------- */
body::after{mix-blend-mode:normal;background:linear-gradient(105deg,transparent 45%,rgba(255,255,255,.20) 50%,transparent 55%)}
.card{backdrop-filter:none;-webkit-backdrop-filter:none;background:rgba(255,255,255,.90)}
.result{backdrop-filter:none;-webkit-backdrop-filter:none}
.site-foot{backdrop-filter:none;-webkit-backdrop-filter:none;background:rgba(244,236,216,.92)}
.card,.card:hover{transform:none}

/* stability: no full-viewport animation; glare stays as static light */
body::after{animation:none;transform:none;inset:0;background:linear-gradient(105deg,transparent 30%,rgba(255,255,255,.14) 38%,transparent 46%,transparent 62%,rgba(255,255,255,.10) 70%,transparent 78%);will-change:auto}