/* ==========================================================================
   MODERN LENDING   brutalist-editorial, Tasmania
   Personality: bone paper / ink / pine green (oklch), Archivo Black display,
   Instrument Serif italic flourishes, hard 2px rules, asymmetric Swiss grid.
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; margin: 0; }

:root {
  /* personality */
  --hue: 152;
  --paper: oklch(96.5% 0.012 95);
  --paper-2: oklch(93% 0.02 95);
  --ink: oklch(18% 0.015 152);
  --ink-soft: oklch(38% 0.02 152);
  --pine: oklch(46% 0.13 var(--hue));
  --pine-deep: oklch(32% 0.09 var(--hue));
  --zing: oklch(85% 0.19 125);

  /* type */
  --font-display: "Archivo Black", "Archivo", sans-serif;
  --font-body: "Archivo", sans-serif;
  --font-serif: "Instrument Serif", serif;
  --text-base: clamp(1rem, 0.94rem + 0.3vw, 1.125rem);
  --text-huge: clamp(3rem, 1.2rem + 9vw, 9rem);
  --text-big: clamp(2rem, 1.2rem + 4vw, 4.5rem);
  --text-mid: clamp(1.4rem, 1.1rem + 1.5vw, 2.4rem);

  /* space + layout */
  --gutter: clamp(1.25rem, 4vw, 4rem);
  --space-l: clamp(2.5rem, 6vw, 6rem);
  --space-xl: clamp(4rem, 10vw, 10rem);
  --rule: 2px solid var(--ink);

  /* motion */
  --ease-out: cubic-bezier(0.25, 1, 0.5, 1);
  --dur-fast: 180ms;
  --dur-base: 320ms;
  --dur-slow: 700ms;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: 1.55;
  color: var(--ink);
  background: var(--paper);
  /* paper grain */
  background-image: radial-gradient(oklch(18% 0.015 152 / 0.04) 1px, transparent 1px);
  background-size: 5px 5px;
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; }
h1, h2, h3 { line-height: 0.98; text-wrap: balance; }
:focus-visible { outline: 3px solid var(--pine); outline-offset: 3px; }
::selection { background: var(--zing); color: var(--ink); }

em {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--pine);
}

/* ---------- buttons ---------- */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.9em 1.6em;
  border: var(--rule);
  background: var(--paper);
  color: var(--ink);
  box-shadow: 4px 4px 0 var(--ink);
  transition: transform var(--dur-fast) var(--ease-out), box-shadow var(--dur-fast) var(--ease-out), background var(--dur-fast);
}
.btn:hover { transform: translate(-2px, -2px); box-shadow: 7px 7px 0 var(--ink); }
.btn:active { transform: translate(2px, 2px) scale(0.97); box-shadow: 1px 1px 0 var(--ink); }
.btn--accent { background: var(--pine); color: var(--paper); }
.btn--accent:hover { background: var(--pine-deep); }
.btn--ink { background: var(--ink); color: var(--paper); box-shadow: 4px 4px 0 var(--pine); }
.btn--ink:hover { box-shadow: 7px 7px 0 var(--pine); }
.btn--ghost { background: transparent; }

/* ---------- ticker ---------- */
.ticker {
  overflow: hidden;
  background: var(--ink);
  color: var(--paper);
  border-bottom: 2px solid var(--ink);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding-block: 0.55em;
}
.ticker__track {
  display: flex;
  gap: 2.5em;
  width: max-content;
  animation: ticker 28s linear infinite;
}
.ticker__track span { white-space: nowrap; }
@keyframes ticker { to { transform: translateX(-50%); } }

/* ---------- masthead ---------- */
.masthead {
  position: sticky;
  top: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  gap: clamp(1rem, 3vw, 2.5rem);
  padding: 0.9rem var(--gutter);
  background: var(--paper);
  border-bottom: var(--rule);
}
.masthead__brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  margin-right: auto;
}
.masthead__mark {
  font-family: var(--font-display);
  font-size: 1.05rem;
  background: var(--pine);
  color: var(--paper);
  padding: 0.25em 0.4em;
  border: var(--rule);
  box-shadow: 3px 3px 0 var(--ink);
}
.masthead__name { font-weight: 800; letter-spacing: -0.02em; font-size: 1.05rem; }
.masthead__nav { display: flex; gap: clamp(0.9rem, 2.5vw, 2rem); }
.masthead__nav a {
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  position: relative;
}
.masthead__nav a::after {
  content: "";
  position: absolute;
  left: 0; bottom: -4px;
  width: 100%; height: 3px;
  background: var(--pine);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--dur-base) var(--ease-out);
}
.masthead__nav a:hover::after { transform: scaleX(1); }

@media (max-width: 720px) {
  .masthead__nav { display: none; }
  .masthead__name { display: none; }
}

/* ---------- hero ---------- */
.hero {
  display: grid;
  grid-template-columns: 1fr minmax(16rem, 26rem);
  grid-template-areas:
    "kicker kicker"
    "title  title"
    "scroll aside";
  gap: var(--gutter);
  padding: var(--space-l) var(--gutter) var(--space-xl);
  position: relative;
  border-bottom: var(--rule);
}
.hero__kicker {
  grid-area: kicker;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--ink-soft);
}
.hero__title {
  grid-area: title;
  font-family: var(--font-display);
  font-size: var(--text-huge);
  text-transform: uppercase;
  letter-spacing: -0.015em;
  display: grid;
}
.hero__line { display: block; }
.hero__line--accent {
  color: var(--paper);
  background: var(--pine);
  width: max-content;
  max-width: 100%;
  padding-inline: 0.12em;
  margin-left: clamp(0rem, 8vw, 10rem);
}
.hero__line--serif {
  font-family: var(--font-serif);
  font-weight: 400;
  font-style: italic;
  text-transform: none;
  letter-spacing: 0;
  color: var(--ink);
  margin-left: clamp(0rem, 3vw, 4rem);
}
.hero__aside {
  grid-area: aside;
  border-left: var(--rule);
  padding-left: clamp(1rem, 2vw, 2rem);
  align-self: end;
}
.hero__aside p { max-width: 42ch; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-top: 1.6rem; }
.hero__scroll {
  grid-area: scroll;
  align-self: end;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--ink-soft);
}
.hero__stamp {
  position: absolute;
  right: clamp(1rem, 6vw, 6rem);
  top: clamp(0.5rem, 4vw, 3rem);
  width: clamp(6rem, 12vw, 10rem);
  animation: spin 24s linear infinite;
}
.stamp text { font-size: 11.5px; font-weight: 700; letter-spacing: 0.18em; fill: var(--pine); text-transform: uppercase; font-family: var(--font-body); }
.stamp circle { fill: var(--pine); }
@keyframes spin { to { transform: rotate(1turn); } }

@media (max-width: 720px) {
  .hero {
    grid-template-columns: 1fr;
    grid-template-areas: "kicker" "title" "aside" "scroll";
  }
  .hero__aside { border-left: none; border-top: var(--rule); padding: 1.25rem 0 0; }
  .hero__stamp { width: 5rem; top: 0.5rem; }
}

/* ---------- load cascade ---------- */
.reveal-load {
  animation: rise var(--dur-slow) var(--ease-out) both;
  animation-delay: calc(var(--i, 0) * 110ms);
}
@keyframes rise {
  from { opacity: 0; transform: translateY(28px); }
  to { opacity: 1; transform: none; }
}

/* ---------- scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(32px); transition: opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out); }
.reveal.is-in { opacity: 1; transform: none; }

/* ---------- stats ---------- */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-bottom: var(--rule);
  background: var(--zing);
}
.stats__cell {
  padding: clamp(1.25rem, 3vw, 2.5rem) var(--gutter);
  display: grid;
  gap: 0.3rem;
}
.stats__cell + .stats__cell { border-left: var(--rule); }
.stats__cell strong {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 1rem + 3vw, 3.6rem);
  line-height: 1;
}
.stats__cell span { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; }
@media (max-width: 720px) {
  .stats { grid-template-columns: 1fr 1fr; }
  .stats__cell:nth-child(3) { border-left: none; }
  .stats__cell:nth-child(n+3) { border-top: var(--rule); }
}

/* ---------- section heads ---------- */
.section-head { padding: var(--space-l) var(--gutter) 0; }
.section-head h2, .calc__copy h2, .about__copy h2 {
  font-family: var(--font-display);
  font-size: var(--text-big);
  text-transform: uppercase;
  letter-spacing: -0.01em;
}
.section-head p { margin-top: 0.8rem; color: var(--ink-soft); max-width: 50ch; }

/* ---------- services ---------- */
.services { border-bottom: var(--rule); padding-bottom: var(--space-l); }
.service {
  display: grid;
  grid-template-columns: minmax(4rem, 10rem) 1.1fr 1fr auto;
  grid-template-areas: "no title body tag";
  gap: var(--gutter);
  align-items: start;
  margin: var(--space-l) var(--gutter) 0;
  padding-top: var(--space-l);
  border-top: var(--rule);
  transition: transform var(--dur-base) var(--ease-out);
}
.service:hover { transform: translateX(8px); }
.service--flip { grid-template-areas: "no body title tag"; }
.service--flip .service__title { text-align: right; }
.service__no {
  grid-area: no;
  font-family: var(--font-serif);
  font-style: italic;
  font-size: var(--text-mid);
  color: var(--pine);
}
.service__title {
  grid-area: title;
  font-family: var(--font-display);
  font-size: var(--text-mid);
  text-transform: uppercase;
}
.service__body { grid-area: body; max-width: 48ch; color: var(--ink-soft); }
.service__tag {
  grid-area: tag;
  justify-self: end;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  border: var(--rule);
  padding: 0.5em 0.9em;
  background: var(--paper-2);
  box-shadow: 3px 3px 0 var(--ink);
  white-space: nowrap;
}
@media (max-width: 920px) {
  .service, .service--flip {
    grid-template-columns: auto 1fr;
    grid-template-areas: "no title" "body body" "tag tag";
  }
  .service--flip .service__title { text-align: left; }
  .service__tag { justify-self: start; }
}

/* ---------- calculator ---------- */
.calc {
  display: grid;
  grid-template-columns: minmax(18rem, 1fr) minmax(20rem, 1.2fr);
  gap: var(--space-l);
  padding: var(--space-xl) var(--gutter);
  background: var(--ink);
  color: var(--paper);
  border-bottom: var(--rule);
}
.calc__copy h2 { color: var(--paper); }
.calc__copy em { color: var(--zing); }
.calc__copy p { margin-top: 1rem; max-width: 40ch; }
.calc__fine { font-size: 0.82rem; color: oklch(70% 0.02 152); }
.calc__panel {
  background: var(--paper);
  color: var(--ink);
  border: var(--rule);
  box-shadow: 8px 8px 0 var(--pine);
  padding: clamp(1.5rem, 3vw, 2.5rem);
  display: grid;
  gap: 1.6rem;
}
.calc__field { display: grid; grid-template-columns: 1fr auto; gap: 0.4rem 1rem; align-items: baseline; }
.calc__field label { font-weight: 700; text-transform: uppercase; font-size: 0.82rem; letter-spacing: 0.08em; }
.calc__field output { font-family: var(--font-display); font-size: 1.15rem; }
.calc__field input { grid-column: 1 / -1; }

input[type="range"] {
  appearance: none;
  -webkit-appearance: none;
  width: 100%;
  height: 2px;
  background: var(--ink);
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: var(--pine);
  border: 2px solid var(--ink);
  border-radius: 0;
  box-shadow: 2px 2px 0 var(--ink);
  transition: transform var(--dur-fast) var(--ease-out);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--pine);
  border: 2px solid var(--ink);
  border-radius: 0;
  box-shadow: 2px 2px 0 var(--ink);
}

.calc__result {
  border-top: var(--rule);
  padding-top: 1.4rem;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: 0.2rem 0.8rem;
}
.calc__result-label { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; grid-column: 1 / -1; color: var(--ink-soft); }
.calc__result-figure {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 1.4rem + 3vw, 3.6rem);
  color: var(--pine);
}
.calc__result-per { font-family: var(--font-serif); font-style: italic; font-size: 1.1rem; }
@media (max-width: 880px) { .calc { grid-template-columns: 1fr; } }

/* ---------- process ---------- */
.process { border-bottom: var(--rule); padding-bottom: var(--space-l); }
.process__list {
  list-style: none;
  padding: var(--space-l) var(--gutter) 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2px;
  background: var(--ink);
  border: var(--rule);
  margin-inline: var(--gutter);
  margin-top: var(--space-l);
}
.process__step {
  background: var(--paper);
  padding: clamp(1.25rem, 2.5vw, 2.25rem);
  display: grid;
  gap: 0.7rem;
  align-content: start;
  transition: background var(--dur-base);
}
.process__step:hover { background: var(--zing); }
.process__no {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 2.6rem;
  color: var(--pine);
  line-height: 1;
}
.process__step h3 { font-family: var(--font-display); text-transform: uppercase; font-size: 1.15rem; }
.process__step p { font-size: 0.95rem; color: var(--ink-soft); }
@media (max-width: 920px) { .process__list { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .process__list { grid-template-columns: 1fr; } }

/* ---------- about ---------- */
.about {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--space-l);
  align-items: center;
  padding: var(--space-xl) var(--gutter);
  border-bottom: var(--rule);
  background: var(--paper-2);
}
.about__giant {
  font-family: var(--font-display);
  font-size: clamp(4rem, 14vw, 14rem);
  line-height: 0.85;
  color: transparent;
  -webkit-text-stroke: 2px var(--pine);
  user-select: none;
}
.about__copy { max-width: 56ch; display: grid; gap: 1rem; }
.about__sign { font-family: var(--font-serif); font-style: italic; font-size: 1.2rem; color: var(--pine); }
@media (max-width: 880px) { .about { grid-template-columns: 1fr; } }

/* ---------- contact ---------- */
.contact { padding: var(--space-xl) var(--gutter); }
.contact__title {
  font-family: var(--font-display);
  font-size: var(--text-huge);
  text-transform: uppercase;
  display: grid;
}
.contact__title span:last-child { margin-left: clamp(1rem, 10vw, 12rem); }
.contact__title em { text-transform: none; }
.contact__panel { margin-top: var(--space-l); border-top: var(--rule); }
.contact__row {
  display: grid;
  grid-template-columns: minmax(5rem, 10rem) 1fr auto;
  gap: 1rem;
  align-items: center;
  padding: 1.4rem 0.5rem;
  border-bottom: var(--rule);
  text-decoration: none;
  transition: background var(--dur-fast), padding-left var(--dur-base) var(--ease-out);
}
a.contact__row:hover { background: var(--zing); padding-left: 1.2rem; }
.contact__label { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-soft); }
.contact__value { font-family: var(--font-display); font-size: clamp(1rem, 0.7rem + 1.6vw, 1.7rem); overflow-wrap: anywhere; }
.contact__arrow { font-size: 1.6rem; transition: transform var(--dur-base) var(--ease-out); }
a.contact__row:hover .contact__arrow { transform: translateX(8px); }

/* ---------- footer ---------- */
.footer {
  background: var(--ink);
  color: var(--paper);
  padding: var(--space-l) var(--gutter);
  display: grid;
  gap: 1.2rem;
}
.footer__brand { font-family: var(--font-display); font-size: var(--text-mid); text-transform: uppercase; }
.footer__legal { font-size: 0.8rem; max-width: 80ch; color: oklch(70% 0.02 152); }
.footer__meta { font-family: var(--font-serif); font-style: italic; color: var(--zing); }

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal, .reveal-load { opacity: 1; transform: none; }
}