/* TruLend Financial Services — site styles */

@font-face{font-family:'Lora';font-style:normal;font-weight:400 700;font-display:swap;
  src:url('fonts/lora.woff2') format('woff2');}
@font-face{font-family:'Lora';font-style:italic;font-weight:400 700;font-display:swap;
  src:url('fonts/lora-italic.woff2') format('woff2');}
@font-face{font-family:'Poppins';font-style:normal;font-weight:300;font-display:swap;
  src:url('fonts/poppins-300.woff2') format('woff2');}
@font-face{font-family:'Poppins';font-style:normal;font-weight:400;font-display:swap;
  src:url('fonts/poppins-400.woff2') format('woff2');}
@font-face{font-family:'Poppins';font-style:normal;font-weight:500;font-display:swap;
  src:url('fonts/poppins-500.woff2') format('woff2');}
@font-face{font-family:'Poppins';font-style:normal;font-weight:700;font-display:swap;
  src:url('fonts/poppins-700.woff2') format('woff2');}

:root{
  --navy:#132B3E; --navy-2:#0D1F2D; --navy-3:#1D3D53;
  --gold:#D69937; --gold-deep:#9C6B1F; --gold-soft:#F0C078;
  --cream:#FFEBCD; --cream-2:#FFF5E6; --ivory:#FDF8F1;
  --white:#FFFFFF; --line:#E8DCC8; --line-2:#F0E7D8;
  --ink:#1E2C33; --muted:#5C6B72; --teal:#3E7C8A;
  --sh-sm:0 1px 2px rgba(19,43,62,.05);
  --sh:0 2px 4px rgba(19,43,62,.04), 0 12px 32px rgba(19,43,62,.07);
  --sh-lg:0 4px 8px rgba(19,43,62,.05), 0 24px 60px rgba(19,43,62,.10);
  --r:12px; --r-lg:18px;
  --wrap:1160px;
}

*,*::before,*::after{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  *{animation:none!important;transition:none!important;}
}
body{margin:0;background:var(--ivory);color:var(--ink);
  font-family:'Poppins',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  font-weight:300;font-size:17px;line-height:1.72;-webkit-font-smoothing:antialiased;}
img,svg{max-width:100%;height:auto;display:block;}
h1,h2,h3,h4{font-family:'Lora',Georgia,serif;font-weight:600;margin:0;
  color:var(--navy);text-wrap:balance;line-height:1.18;letter-spacing:-.01em;}
p{margin:0;}
a{color:var(--navy);}
strong{font-weight:500;color:var(--navy);}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:4px;}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:var(--cream);
  padding:12px 18px;z-index:200;border-radius:0 0 8px 0;}
.skip:focus{left:0;}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px;}
.narrow{max-width:760px;}
.eyebrow{font-size:.72rem;font-weight:500;letter-spacing:.20em;text-transform:uppercase;
  color:var(--gold-deep);margin-bottom:12px;}
.rule{width:52px;height:3px;background:var(--gold);border-radius:2px;margin:22px 0;}
.lead{font-size:1.14rem;color:var(--muted);max-width:62ch;}

/* ── header ─────────────────────────────────────────────────────── */
.top{background:var(--navy);color:#CBDBE2;font-size:.8rem;}
.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;
  padding-top:7px;padding-bottom:7px;flex-wrap:wrap;}
.top a{color:var(--cream);text-decoration:none;}
.top a:hover{color:var(--gold-soft);}
.top .cred{color:#8FA8B4;font-size:.72rem;}

header.site{position:sticky;top:0;z-index:100;background:rgba(253,248,241,.94);
  backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line);}
header.site .wrap{display:flex;align-items:center;gap:22px;
  padding-top:14px;padding-bottom:14px;}
.brand{flex:none;}
.brand img{width:186px;height:auto;}
nav.main{margin-left:auto;display:flex;gap:2px;align-items:center;}
nav.main a{text-decoration:none;font-size:.92rem;color:var(--ink);padding:9px 13px;
  border-radius:8px;white-space:nowrap;transition:background .15s,color .15s;}
nav.main a:hover{background:var(--cream-2);color:var(--navy);}
nav.main a[aria-current="page"]{color:var(--gold-deep);font-weight:500;}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:'Poppins',sans-serif;font-size:.94rem;font-weight:500;text-decoration:none;
  padding:13px 24px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;
  transition:transform .12s ease, box-shadow .15s ease, background .15s ease;white-space:nowrap;}
.btn:hover{transform:translateY(-1px);}
.btn-gold{background:var(--gold);color:#22160A;box-shadow:0 4px 14px rgba(214,153,55,.34);}
.btn-gold:hover{background:#E0A54A;box-shadow:0 6px 20px rgba(214,153,55,.42);}
.btn-navy{background:var(--navy);color:var(--cream);}
.btn-navy:hover{background:var(--navy-3);}
.btn-ghost{border-color:rgba(255,235,205,.5);color:var(--cream);}
.btn-ghost:hover{background:rgba(255,235,205,.12);}
.btn-outline{border-color:var(--navy);color:var(--navy);}
.btn-outline:hover{background:var(--navy);color:var(--cream);}
.btn-sm{padding:10px 18px;font-size:.88rem;}
.navcta{flex:none;}
.menu-toggle{display:none;}

@media(max-width:1320px){
  nav.main a{padding:9px 9px;font-size:.86rem;}
  .brand img{width:158px;}
  header.site .wrap{gap:14px;}
}
@media(max-width:1120px){
  header.site .wrap{flex-wrap:wrap;gap:12px;}
  .menu-toggle{display:inline-flex;margin-left:auto;background:none;border:1.5px solid var(--line);
    border-radius:8px;padding:9px 14px;font:500 .88rem 'Poppins',sans-serif;color:var(--navy);}
  nav.main{order:3;width:100%;flex-direction:column;align-items:stretch;gap:0;display:none;
    border-top:1px solid var(--line);padding-top:8px;margin-left:0;}
  nav.main.open{display:flex;}
  nav.main a{padding:12px 4px;border-radius:0;border-bottom:1px solid var(--line-2);}
  .navcta{order:2;}
}

/* ── hero ───────────────────────────────────────────────────────── */
.hero{background:var(--navy);color:#DCE7EC;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;
  background:radial-gradient(760px 420px at 82% 8%, rgba(214,153,55,.16), transparent 62%);}
.hero .wrap{position:relative;display:grid;gap:46px;grid-template-columns:1fr;
  padding-top:64px;padding-bottom:70px;align-items:center;}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.15fr .85fr;padding-top:76px;padding-bottom:78px;}}
.hero h1{color:#FFF6E8;font-size:clamp(2.3rem,5.2vw,3.65rem);line-height:1.06;}
.hero .sub{font-size:1.14rem;color:#C9D8DF;margin-top:26px;max-width:52ch;}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px;}
.hero .note{margin-top:30px;padding-top:22px;border-top:1px solid rgba(255,235,205,.18);
  font-size:.86rem;color:#9FB8C4;}
.hero-photo{position:relative;}
.hero-photo img{width:100%;max-width:400px;margin:0 auto;border-radius:var(--r-lg);
  box-shadow:0 20px 60px rgba(0,0,0,.34);}
.hero-badge{position:absolute;left:50%;transform:translateX(-50%);bottom:-18px;
  background:var(--cream);color:var(--navy);border-radius:999px;padding:10px 22px;
  font-size:.82rem;font-weight:500;box-shadow:var(--sh);white-space:nowrap;}
@media(max-width:899px){.hero-photo img{max-width:280px;} .hero-badge{position:static;transform:none;
  display:table;margin:18px auto 0;}}

/* page hero (inner pages) */
.phero{background:var(--navy);color:#DCE7EC;position:relative;overflow:hidden;}
.phero::before{content:'';position:absolute;inset:0;
  background:radial-gradient(620px 320px at 88% 0%, rgba(214,153,55,.14), transparent 60%);}
.phero .wrap{position:relative;padding-top:58px;padding-bottom:62px;}
.phero .eyebrow{color:var(--gold-soft);}
.phero h1{color:#FFF6E8;font-size:clamp(2rem,4.4vw,2.95rem);}
.phero .lead{color:#C9D8DF;margin-top:22px;font-size:1.1rem;}

/* ── sections ───────────────────────────────────────────────────── */
section{padding:70px 0;}
section.tight{padding:52px 0;}
.bg-ivory{background:var(--ivory);}
.bg-white{background:var(--white);}
.bg-cream{background:var(--cream-2);}
.bg-navy{background:var(--navy);color:#DCE7EC;}
.bg-navy h2,.bg-navy h3{color:#FFF6E8;}
.bg-navy .eyebrow{color:var(--gold-soft);}
.bg-navy .lead{color:#C9D8DF;}
h2{font-size:clamp(1.7rem,3.4vw,2.35rem);}
h3{font-size:1.18rem;}
.section-head{max-width:64ch;margin-bottom:40px;}
.center{text-align:center;margin-left:auto;margin-right:auto;}

/* ── cards & grids ──────────────────────────────────────────────── */
.grid{display:grid;gap:22px;}
.g2{grid-template-columns:1fr;} .g3{grid-template-columns:1fr;} .g4{grid-template-columns:1fr;}
@media(min-width:700px){.g2{grid-template-columns:1fr 1fr;}.g3{grid-template-columns:1fr 1fr;}
  .g4{grid-template-columns:1fr 1fr;}}
@media(min-width:980px){.g3{grid-template-columns:repeat(3,1fr);}
  .g4{grid-template-columns:repeat(4,1fr);}}

.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  padding:28px;box-shadow:var(--sh-sm);}
.card h3{margin-bottom:10px;}
.card p{font-size:.98rem;color:var(--muted);}
a.card{text-decoration:none;display:block;transition:transform .16s ease,box-shadow .18s ease,
  border-color .18s ease;}
a.card:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:var(--gold-soft);}
a.card .more{display:inline-flex;align-items:center;gap:7px;margin-top:16px;font-size:.88rem;
  font-weight:500;color:var(--gold-deep);}
a.card:hover .more{gap:11px;}
.card-cream{background:var(--cream-2);border-color:transparent;}
.card-top{border-top:4px solid var(--gold);}

.icard{display:flex;gap:18px;align-items:flex-start;}
.icard .n{font-family:'Lora',serif;font-size:1.5rem;color:var(--gold);flex:none;width:44px;
  font-variant-numeric:tabular-nums;line-height:1.2;}

/* numbered process */
.steps{display:flex;flex-direction:column;gap:2px;counter-reset:s;}
.step{display:grid;grid-template-columns:56px 1fr;gap:22px;padding:26px 0;
  border-top:1px solid var(--line);}
.step:first-child{border-top:0;}
.step .n{font-family:'Lora',serif;font-size:1.7rem;font-weight:600;color:var(--gold);
  font-variant-numeric:tabular-nums;line-height:1;}
.step h3{font-family:'Poppins',sans-serif;font-weight:500;font-size:1.08rem;margin-bottom:7px;}
.step p{color:var(--muted);font-size:1rem;}
.chip{display:inline-block;margin-top:14px;font-size:.7rem;font-weight:500;letter-spacing:.14em;
  text-transform:uppercase;color:var(--teal);border:1px solid var(--teal);border-radius:999px;
  padding:4px 13px;}

/* callouts */
.callout{background:var(--cream-2);border-left:4px solid var(--gold);border-radius:0 var(--r) var(--r) 0;
  padding:24px 28px;font-size:1rem;line-height:1.68;color:var(--ink);}
.callout.navy{background:var(--navy);border-left-color:var(--gold);color:#D6E4E9;}
.callout.navy strong{color:var(--cream);}
.note-sm{font-size:.86rem;color:var(--muted);line-height:1.6;}

/* lists */
ul.dot{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:11px;}
ul.dot li{position:relative;padding-left:24px;font-size:1rem;line-height:1.62;}
ul.dot li::before{content:'';position:absolute;left:0;top:.62em;width:8px;height:8px;
  border-radius:50%;background:var(--gold);}
ul.check li::before{background:none;border:1.6px solid var(--teal);border-radius:3px;
  width:12px;height:12px;top:.45em;}

/* prose blocks */
.prose{display:flex;flex-direction:column;gap:18px;max-width:68ch;}
.prose p{font-size:1.04rem;}
.blocks{display:flex;flex-direction:column;gap:34px;margin-top:40px;}
.block h3{font-size:1.3rem;margin-bottom:10px;}
.block h3::after{content:'';display:block;width:34px;height:2px;background:var(--gold);
  border-radius:1px;margin-top:11px;}
.block p{color:var(--muted);max-width:68ch;}

/* FAQ */
details.faq{border-top:1px solid var(--line);background:transparent;}
details.faq:first-of-type{border-top:0;}
details.faq summary{cursor:pointer;list-style:none;padding:20px 40px 20px 0;position:relative;
  font-family:'Lora',serif;font-weight:600;font-size:1.08rem;color:var(--navy);}
details.faq summary::-webkit-details-marker{display:none;}
details.faq summary::after{content:'+';position:absolute;right:6px;top:17px;font-family:'Poppins',sans-serif;
  font-weight:300;font-size:1.5rem;color:var(--gold-deep);line-height:1;}
details.faq[open] summary::after{content:'\2013';}
details.faq p{padding:0 0 22px 18px;border-left:2px solid var(--cream);color:var(--muted);
  font-size:1rem;max-width:74ch;}

/* forms */
form.enquiry{display:grid;gap:18px;}
@media(min-width:640px){form.enquiry .row2{display:grid;grid-template-columns:1fr 1fr;gap:18px;}}
label{display:block;font-size:.86rem;font-weight:500;color:var(--navy);margin-bottom:7px;}
input,select,textarea{width:100%;font-family:inherit;font-size:1rem;font-weight:300;color:var(--ink);
  background:var(--white);border:1.5px solid var(--line);border-radius:10px;padding:13px 15px;}
input:focus,select:focus,textarea:focus{border-color:var(--teal);outline:none;
  box-shadow:0 0 0 3px rgba(62,124,138,.15);}
textarea{min-height:130px;resize:vertical;}
.form-note{font-size:.82rem;color:var(--muted);}

/* calculator */
.calc{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:30px;box-shadow:var(--sh);}
.calc .fields{display:grid;gap:18px;}
@media(min-width:640px){.calc .fields{grid-template-columns:1fr 1fr;}}
.calc .result{margin-top:26px;background:var(--navy);color:#D6E4E9;border-radius:var(--r);
  padding:26px;text-align:center;}
.calc .result .big{font-family:'Lora',serif;font-size:clamp(1.6rem,4vw,2.3rem);font-weight:600;
  color:var(--gold-soft);line-height:1.2;font-variant-numeric:tabular-nums;}
.calc .result .lbl{font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;
  color:#9FB8C4;margin-bottom:10px;}
.calc .result .sub{font-size:.9rem;color:#B8CBD4;margin-top:12px;}
.calc .split{display:grid;gap:18px;margin-top:18px;}
@media(min-width:640px){.calc .split{grid-template-columns:1fr 1fr;}}
.calc .mini{background:var(--cream-2);border-radius:var(--r);padding:20px;text-align:center;}
.calc .mini .v{font-family:'Lora',serif;font-size:1.35rem;font-weight:600;color:var(--navy);
  font-variant-numeric:tabular-nums;}
.calc .mini .l{font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);
  margin-bottom:6px;}

/* strips */
.logostrip{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;align-items:center;}
.logostrip .slot{background:var(--white);border:1px solid var(--line);border-radius:10px;
  padding:16px 22px;font-size:.82rem;color:var(--muted);min-width:130px;text-align:center;}

/* footer */
footer.site{background:var(--navy);color:#B8CBD4;padding:58px 0 34px;font-size:.94rem;}
footer.site .cols{display:grid;gap:34px;grid-template-columns:1fr;}
@media(min-width:760px){footer.site .cols{grid-template-columns:1.4fr 1fr 1fr;}}
footer.site img.flogo{width:200px;margin-bottom:18px;}
footer.site h4{font-family:'Poppins',sans-serif;font-size:.72rem;letter-spacing:.18em;
  text-transform:uppercase;color:var(--gold-soft);margin-bottom:14px;font-weight:500;}
footer.site a{color:#D6E4E9;text-decoration:none;}
footer.site a:hover{color:var(--gold-soft);}
footer.site ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px;}
.legal{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,235,205,.16);
  font-size:.76rem;line-height:1.7;color:#8FA8B4;}
.legal strong{color:#CBDBE2;font-weight:500;}

/* CTA band */
.ctaband{background:var(--cream);}
.ctaband .wrap{display:flex;flex-wrap:wrap;gap:26px;align-items:center;justify-content:space-between;
  padding-top:52px;padding-bottom:52px;}
.ctaband h2{max-width:22ch;}
.ctaband .btns{display:flex;gap:14px;flex-wrap:wrap;}

/* ── sticky mobile action bar ───────────────────────────────────── */
.mobilebar{display:none}
@media (max-width:760px){
  .mobilebar{
    display:grid;grid-template-columns:1fr 1fr;gap:10px;
    position:fixed;left:0;right:0;bottom:0;z-index:120;
    padding:10px 14px calc(10px + env(safe-area-inset-bottom));
    background:rgba(19,43,62,.96);backdrop-filter:blur(10px);
    border-top:1px solid rgba(255,235,205,.16);
  }
  .mobilebar a{
    display:block;text-align:center;text-decoration:none;
    font-size:.9rem;font-weight:500;padding:12px 8px;border-radius:10px;
    font-family:'Poppins',sans-serif;
  }
  .mb-call{color:var(--cream);border:1.5px solid rgba(255,235,205,.4)}
  .mb-book{background:var(--gold);color:var(--navy-2)}
  body{padding-bottom:78px}
  .ctaband{margin-bottom:0}
}

/* ── service promise pillars ────────────────────────────────────── */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--r-lg);
  overflow:hidden;box-shadow:var(--sh)}
@media (max-width:940px){.pillars{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.pillars{grid-template-columns:1fr}}
.pillar{background:var(--white);padding:28px 26px 30px}
.pillar .pn{font-family:'Poppins',sans-serif;font-size:.7rem;font-weight:700;
  letter-spacing:.16em;color:var(--gold-deep);text-transform:uppercase}
.pillar h3{font-size:1.16rem;margin-top:10px}
.pillar p{color:var(--muted);font-size:.95rem;margin-top:10px}
.pillar .inpractice{margin-top:14px;padding-top:13px;border-top:1px dashed var(--line);
  font-size:.87rem;color:var(--navy)}
.pillar .inpractice b{display:block;font-size:.66rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:4px}

/* ── reviews ────────────────────────────────────────────────────── */
.stars{color:var(--gold);letter-spacing:.14em;font-size:1.05rem;line-height:1}
.review{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:26px 26px 24px;box-shadow:var(--sh-sm);display:flex;flex-direction:column;gap:14px}
.review blockquote{margin:0;font-family:'Lora',Georgia,serif;font-size:1.03rem;
  line-height:1.62;color:var(--ink);font-style:italic}
.review .who{font-size:.88rem;color:var(--muted);margin-top:auto;padding-top:6px;
  border-top:1px solid var(--line-2)}
.review .who strong{display:block;font-weight:500}
.googlebar{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:12px 20px;margin-top:30px;padding:18px 24px;background:var(--white);
  border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-sm)}
.googlebar .score{font-family:'Lora',Georgia,serif;font-size:1.6rem;font-weight:600;
  color:var(--navy);line-height:1}
.googlebar .lbl{font-size:.88rem;color:var(--muted)}

/* ── lead magnet ────────────────────────────────────────────────── */
.magnet{display:grid;grid-template-columns:1.15fr 1fr;gap:40px;align-items:center}
@media (max-width:820px){.magnet{grid-template-columns:1fr;gap:28px}}
.magnet .mform{background:var(--white);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:28px;box-shadow:var(--sh)}
.magnet .mform label{display:block;font-size:.8rem;font-weight:500;color:var(--navy);
  margin-bottom:6px;letter-spacing:.02em}
.magnet .mform input{width:100%;padding:12px 14px;border:1.5px solid var(--line);
  border-radius:9px;font-family:'Poppins',sans-serif;font-size:1rem;font-weight:300;
  background:var(--ivory);color:var(--ink);margin-bottom:16px}
.magnet .mform input:focus{border-color:var(--teal);outline:none;background:var(--white)}
.magnet .mform .btn{width:100%;justify-content:center}
.magnet ul{list-style:none;padding:0;margin:20px 0 0}
.magnet ul li{padding-left:26px;position:relative;margin-top:11px;color:var(--muted)}
.magnet ul li::before{content:"";position:absolute;left:2px;top:.55em;width:9px;height:9px;
  border-radius:2px;background:var(--gold);transform:rotate(45deg)}

/* ── form fallback notice ───────────────────────────────────────── */
.setup-warn{background:#FDF1E9;border:1px solid #C9663A;color:#8A3E1B;
  border-radius:10px;padding:14px 18px;margin-bottom:20px;font-size:.9rem}
.setup-warn strong{color:#8A3E1B}

/* the sticky bar already carries the booking CTA on phones */
@media (max-width:760px){ .navcta{display:none} }

/* ── lender logo wall ───────────────────────────────────────────── */
.lenderwall{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;
  gap:22px 34px;margin-top:26px;padding-top:26px;border-top:1px solid var(--line-2)}
.lenderwall img{height:36px;width:132px;object-fit:contain;object-position:center;
  opacity:.75;filter:grayscale(100%);transition:opacity .2s,filter .2s}
.lenderwall img:hover{opacity:1;filter:grayscale(0)}
@media (max-width:600px){
  .lenderwall{gap:18px 24px}
  .lenderwall img{height:28px;width:104px}
}

/* ── About page portrait ────────────────────────────────────────── */
.portrait{
  width:100%;                 /* fill the column so it lines up with the card below */
  aspect-ratio:4/5;           /* keeps it from towering over the text */
  object-fit:cover;
  object-position:center 18%; /* keeps her face comfortably placed in the frame */
  display:block;
  border-radius:var(--r-lg);
  box-shadow:var(--sh);
}
@media (max-width:899px){
  .portrait{max-width:300px;margin:0 auto}
}

/* ── live reviews widget slot ───────────────────────────────────── */
.reviewwidget{margin-top:28px}
.reviewwidget:empty{display:none}