/* =========================================================
   Lumin Lending — shared site styles (white-first redesign)
   Header, footer, buttons, closing CTA card, legal block.
   Loaded after each page's own <style>, so it wins ties.
   ========================================================= */
:root{
  --navy:#142A3D; --navy-light:#1F3E58;
  --brass:#B78A45; --brass-light:#D4AF74;
  --cream:#FAF8F4; --slate:#6B7680; --line:#E4DFD4; --white:#FFFFFF;
  --body-text:#1A1F26;
  /* older pages: their light "paper" tones become white / cream */
  --paper:#FFFFFF; --paper-2:#FAF8F4;
}
body{ background:var(--white); -webkit-font-smoothing:antialiased; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  font-family:inherit; font-weight:600; font-size:0.95rem; border-radius:8px;
  padding:14px 26px; border:1.5px solid transparent; cursor:pointer; text-decoration:none;
  transition:background .2s ease, border-color .2s ease, color .2s ease;
}
.btn-navy, .btn-primary{ background:var(--navy); color:var(--white); border-radius:8px; }
.btn-navy:hover, .btn-primary:hover{ background:var(--navy-light); color:var(--white); }
.btn-ghost, .btn-outline{ background:var(--white); color:var(--navy); border:1.5px solid var(--line); border-radius:8px; }
.btn-ghost:hover, .btn-outline:hover{ border-color:var(--navy); background:var(--white); color:var(--navy); }

/* ---------- Header ---------- */
header.sh{ background:var(--white); color:var(--body-text); position:sticky; top:0; z-index:50; border-bottom:1px solid var(--line); }
header.sh nav{ display:flex; align-items:center; justify-content:space-between; height:72px; padding-top:0; padding-bottom:0; }
header.sh .logo img{ height:50px; width:auto; display:block; }
header.sh .nav-links{ display:flex; align-items:center; gap:30px; list-style:none; margin:0; padding:0; font-size:0.9rem; font-weight:500; }
header.sh .nav-links a{ color:var(--body-text); text-decoration:none; transition:color .2s ease; }
header.sh .nav-links a:hover, header.sh .nav-links a.active{ color:var(--brass); }
header.sh .has-dropdown{ position:relative; }
header.sh .dropdown{
  display:none; position:absolute; top:100%; left:-14px; padding:10px; min-width:230px; margin:0;
  background:var(--white); border:1.5px solid var(--line); border-radius:10px;
  box-shadow:0 18px 40px rgba(20,42,61,0.10);
}
header.sh .has-dropdown:hover .dropdown{ display:block; }
header.sh .dropdown a{ display:block; padding:9px 12px; border-radius:6px; font-size:0.88rem; color:var(--body-text); }
header.sh .dropdown a:hover, header.sh .dropdown a.active{ background:var(--cream); color:var(--navy); }
header.sh .nav-right{ display:flex; align-items:center; gap:18px; }
header.sh .nav-right .btn{ padding:10px 20px; font-size:0.88rem; }
header.sh .menu-toggle, header.sh .dropdown-toggle{ display:none; background:none; border:none; cursor:pointer; color:var(--navy); }
@media (max-width:960px){
  header.sh .logo img{ height:40px; }
  header.sh .nav-links{ display:none; }
  header.sh .menu-toggle{ display:block; }
  header.sh .nav-links.open{
    display:flex; position:absolute; top:100%; left:0; right:0; flex-direction:column; align-items:stretch; gap:0;
    background:var(--white); padding:8px 24px 18px; border-bottom:1px solid var(--line);
  }
  header.sh .nav-links.open li{ width:100%; }
  header.sh .nav-links.open > li > a{ display:block; padding:13px 0; border-bottom:1px solid var(--line); }
  header.sh .nav-links.open .has-dropdown{ display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; border-bottom:1px solid var(--line); }
  header.sh .nav-links.open .has-dropdown > a{ flex:1; border-bottom:none; }
  header.sh .dropdown-toggle{ display:flex; width:44px; height:44px; align-items:center; justify-content:center; border:none; }
  header.sh .dropdown-toggle svg{ width:18px; height:18px; transition:transform .2s ease; }
  header.sh .has-dropdown.dropdown-open .dropdown-toggle svg{ transform:rotate(180deg); }
  header.sh .nav-links.open .has-dropdown .dropdown{ display:none; }
  header.sh .nav-links.open .has-dropdown.dropdown-open .dropdown{
    display:block; position:static; width:100%; border:none; box-shadow:none; background:transparent; padding:0 0 10px 12px;
  }
  header.sh .nav-links.open .dropdown a{ padding:9px 0; border-bottom:none; }
  header.sh .nav-right .btn{ padding:9px 16px; }
}

/* ---------- Hero backgrounds: clean white, no dot grid ---------- */
.prod-hero, .calc-hero, .about-hero{ background:var(--white) !important; background-image:none !important; }
.prod-mark, .calc-mark, .about-mark{ opacity:0.07 !important; }

/* ---------- Closing CTA card (the one navy moment) ---------- */
.final{ padding:24px 0 96px; }
.final-card{
  background:var(--navy); color:var(--white); border-radius:16px; padding:72px 48px; text-align:center;
  background-image:radial-gradient(circle at 85% 0%, var(--navy-light) 0%, transparent 55%);
}
.final-card h2{ color:var(--white); font-family:'Inter',sans-serif; font-weight:600; font-size:clamp(1.9rem, 3.4vw, 2.9rem); line-height:1.1; letter-spacing:-0.01em; }
.final-card h2 em{ color:var(--brass-light); font-style:italic; }
.final-card p{ color:#C7D0D8; margin:16px auto 30px; max-width:46ch; font-size:1.04rem; }
.final-card .ctas{ display:flex; gap:12px; justify-content:center; flex-wrap:wrap; }
.final-card .btn-light{ background:var(--white); color:var(--navy); }
.final-card .btn-light:hover{ background:var(--cream); }
.final-card .btn-outline-light{ background:transparent; color:var(--white); border-color:rgba(255,255,255,0.35); }
.final-card .btn-outline-light:hover{ border-color:var(--white); }
@media (max-width:880px){ .final-card{ padding:52px 24px; border-radius:12px; } }

/* ---------- Footer ---------- */
footer.sf{ background:var(--white); border-top:1px solid var(--line); padding:64px 0 0; color:var(--slate); }
footer.sf .foot-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:44px; border-bottom:1px solid var(--line); }
footer.sf .foot-logo{ display:inline-block; margin-bottom:16px; }
footer.sf .foot-logo img{ height:56px; width:auto; display:block; }
footer.sf p{ font-size:0.88rem; margin:0; color:var(--slate); }
footer.sf h4{ font-family:'Inter',sans-serif; font-size:0.74rem; font-weight:600; letter-spacing:0.1em; text-transform:uppercase; color:var(--navy); margin:0 0 16px; }
footer.sf ul{ list-style:none; display:grid; gap:10px; margin:0; padding:0; font-size:0.9rem; }
footer.sf ul a, footer.sf ul li{ color:var(--slate); text-decoration:none; font-size:0.9rem; }
footer.sf ul a:hover{ color:var(--brass); }
footer.sf .foot-bottom{ padding:32px 0 40px; text-align:center; color:var(--slate); }
@media (max-width:880px){ footer.sf .foot-grid{ grid-template-columns:1fr 1fr; } }

/* ---------- Legal block (required on every page) ---------- */
.legal{ max-width:760px; margin:0 auto; text-align:center; color:var(--slate); }
.legal .eho{ display:inline-flex; align-items:center; gap:10px; margin-bottom:14px; text-align:left; color:var(--navy);
  font-size:0.66rem; font-weight:600; letter-spacing:0.06em; text-transform:uppercase; line-height:1.25; }
.legal .eho-icon{ flex-shrink:0; }
.legal .lic{ font-size:0.8rem; color:var(--body-text); margin:0; }
.legal .links{ margin-top:8px; font-size:0.78rem; }
.legal .links a{ text-decoration:underline; color:var(--slate); }
.legal .fine{ margin-top:14px; font-size:0.72rem; line-height:1.55; color:var(--slate); }


/* ---- Headings: one simple font, one color ---- */
h1,h2,h3,h4{ font-family:'Inter',sans-serif; }
h1,h2{ font-weight:700; letter-spacing:-0.025em; }
h3{ font-weight:600; letter-spacing:-0.01em; }
h1 em,h2 em,h3 em,.section-eyebrow em{ font-style:normal; color:inherit; }
.cta-question,.roman,.savings .v em,.cmp-row .sv .v{ font-style:normal; }