/* ===== AMB Finance Brokers — design tokens ===== */
:root{
  --navy: #0A2856;
  --navy-deep: #071A3D;
  --signal: #2F6FE4;
  --signal-light: #5B8FEF;
  --ink: #0B0D10;
  --paper: #F6F8FC;
  --steel: #6B7787;
  --steel-100: #E7EBF1;
  --gold: #F5A623;
  --white: #FFFFFF;

  --glass-bg: rgba(255,255,255,0.6);
  --glass-bg-strong: rgba(255,255,255,0.78);
  --glass-border: rgba(255,255,255,0.7);
  --glass-dark-bg: rgba(255,255,255,0.07);
  --glass-dark-border: rgba(255,255,255,0.16);
  --glass-blur: 22px;

  --display: "Bricolage Grotesque", "Space Grotesk", "Arial Black", sans-serif;
  --body: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono: "JetBrains Mono", ui-monospace, SFMono-Regular, monospace;

  --container: 1180px;
  --radius: 16px;
  --radius-sm: 10px;
  --ease: cubic-bezier(.22,.68,.32,.99);
}

@view-transition{ navigation: auto; }
::view-transition-old(root){ animation: vt-out .38s var(--ease) both; }
::view-transition-new(root){ animation: vt-in .42s var(--ease) both; }
@keyframes vt-out{ to{ opacity:0; transform: scale(.99); } }
@keyframes vt-in{ from{ opacity:0; transform: scale(1.01); } }

*,*::before,*::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *,*::before,*::after{ animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

body{
  margin:0;
  font-family: var(--body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  position: relative;
}

/* liquid glass ambient blobs behind everything */
body::before{
  content:"";
  position: fixed; inset:0; z-index:-1; pointer-events:none;
  background:
    radial-gradient(560px 420px at 8% 8%, rgba(47,111,228,.16), transparent 60%),
    radial-gradient(620px 460px at 92% 18%, rgba(91,143,239,.14), transparent 60%),
    radial-gradient(680px 520px at 50% 95%, rgba(10,40,86,.10), transparent 60%);
}

h1,h2,h3,h4{
  font-family: var(--display);
  line-height: 1.05;
  letter-spacing: -0.01em;
  margin: 0 0 0.5em;
  color: var(--navy-deep);
}

p{ margin: 0 0 1em; color: var(--ink); }
a{ color: var(--signal); text-decoration: none; }
img{ max-width: 100%; display:block; }

.container{
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible{
  outline: 3px solid var(--signal);
  outline-offset: 2px;
}

/* ===== Liquid glass surfaces ===== */
.glass{
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  -webkit-backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  border: 1px solid var(--glass-border);
  box-shadow: 0 8px 32px rgba(10,40,86,.10), inset 0 1px 0 rgba(255,255,255,.6);
}
.glass-dark{
  background: var(--glass-dark-bg);
  backdrop-filter: blur(var(--glass-blur)) saturate(160%);
  -webkit-backdrop-filter: blur(var(--glass-blur)) saturate(160%);
  border: 1px solid var(--glass-dark-border);
  box-shadow: 0 8px 32px rgba(0,0,0,.35), inset 0 1px 0 rgba(255,255,255,.12);
}

/* ===== Circular trace accent ===== */
.eyebrow-trace{ display:inline-flex; align-items:center; gap:10px; margin-bottom:18px; }
.eyebrow-trace .eyebrow{ margin:0; }
.trace-ring{ width:22px; height:22px; flex-shrink:0; overflow:visible; }
.trace-ring circle{
  fill:none; stroke: var(--signal); stroke-width:2; stroke-linecap:round;
  stroke-dasharray:107; stroke-dashoffset:107;
  transition: stroke-dashoffset 1.2s var(--ease);
  transform-origin:center; animation: trace-spin 7s linear infinite paused;
}
.reveal.is-visible .trace-ring circle{ stroke-dashoffset:0; animation-play-state:running; }
@keyframes trace-spin{ to{ transform: rotate(360deg); } }
.section-dark .trace-ring circle, .hero .trace-ring circle{ stroke: var(--signal-light); }

/* ===== Nav ===== */
.site-header{
  position: sticky; top:0; z-index: 50;
  background: var(--glass-bg-strong);
  backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  -webkit-backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  border-bottom: 1px solid rgba(255,255,255,.6);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding: 14px 24px;
  max-width: var(--container);
  margin: 0 auto;
}
.nav-logo{ display:flex; align-items:center; gap:10px; }
.nav-logo img{ height: 36px; width:auto; view-transition-name: site-logo; }
.nav-links{ display:flex; gap: 28px; list-style:none; margin:0; padding:0; }
.nav-links a{
  color: var(--navy-deep); font-weight: 600; font-size: 0.95rem;
  position:relative; padding: 4px 0;
}
.nav-links a::after{
  content:""; position:absolute; left:0; bottom:-2px; width:0; height:2px;
  background: var(--signal); transition: width .25s var(--ease);
}
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after{ width:100%; }
.nav-links a[aria-current="page"]{ color: var(--signal); }
.nav-phone{
  font-family: var(--mono); font-weight:600; font-size:0.9rem; color: var(--navy-deep);
  display:flex; align-items:center; gap:6px;
}
.nav-phone:hover{ color: var(--signal); }
.nav-cta{
  background: var(--navy); color:var(--white); padding: 10px 20px;
  border-radius: 999px; font-weight:700; font-size:0.9rem;
  transition: background .2s var(--ease), transform .2s var(--ease);
}
.nav-cta:hover{ background: var(--signal); transform: translateY(-1px); color:var(--white); }
.nav-toggle{ display:none; }
.nav-right{ display:flex; align-items:center; gap:20px; }

@media (max-width: 860px){
  .nav-links{
    position:fixed; inset: 68px 0 0 0; height: calc(100vh - 68px); align-self:stretch;
    background: #FFFFFF;
    flex-direction:column; gap:0; padding: 8px 24px 24px;
    transform: translateY(-8px); opacity:0; pointer-events:none;
    transition: opacity .2s var(--ease), transform .2s var(--ease);
    z-index: 60; overflow-y: auto;
  }
  .nav-links.open{ opacity:1; pointer-events:auto; transform:none; }
  .nav-links li{ border-bottom: 1px solid var(--steel-100); }
  .nav-links a{ display:block; padding: 14px 0; }
  .nav-toggle{
    display:flex; flex-direction:column; gap:5px; background:none; border:none; cursor:pointer; padding:8px;
  }
  .nav-toggle span{ width:22px; height:2px; background:var(--navy-deep); display:block; }
  .nav-right .nav-cta{ display:none; }
  .nav-phone span.txt{ display:none; }
}

/* ===== Signature diagonal motif ===== */
.diagonal-cut{
  position: relative;
  clip-path: polygon(0 0, 100% 0, 100% 88%, 0 100%);
}
.diagonal-cut-top{
  clip-path: polygon(0 12%, 100% 0, 100% 100%, 0 100%);
}

/* ===== Hero ===== */
.hero{
  background: linear-gradient(155deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
  position: relative;
  overflow:hidden;
  padding: 130px 0 170px;
}
.hero::before{
  content:"";
  position:absolute; inset:0;
  background:
    radial-gradient(420px 320px at 85% 10%, rgba(91,143,239,.35), transparent 65%),
    radial-gradient(380px 300px at 10% 85%, rgba(47,111,228,.25), transparent 65%);
  pointer-events:none;
}
.hero::after{
  content:"";
  position:absolute; left:0; right:0; bottom:0; height:130px;
  background: var(--paper);
  clip-path: polygon(0 100%, 100% 40%, 100% 100%);
}
.hero-inner{ position:relative; z-index:2; max-width: 760px; }
.eyebrow{
  font-family: var(--mono); text-transform:uppercase; letter-spacing:.14em;
  font-size: 0.78rem; color: var(--signal-light); margin-bottom: 18px; display:block;
}

/* draw-in wordmark reveal */
.hero-mark-wrap{ overflow:hidden; display:block; margin-bottom: 10px; }
.hero-mark-draw{
  display:inline-block; white-space:nowrap;
  font-family: var(--display); font-weight:700; letter-spacing:-0.02em;
  font-size: clamp(2.6rem, 8vw, 5.2rem);
  background: linear-gradient(100deg, #fff 25%, var(--signal-light) 45%, #fff 65%);
  background-size: 250% 100%;
  -webkit-background-clip: text; background-clip: text; color: transparent;
  clip-path: inset(0 100% 0 0);
  animation: drawIn 1.5s var(--ease) .2s forwards, shimmer 4s linear 1.8s infinite;
}
@keyframes drawIn{ to{ clip-path: inset(0 0 0 0); } }
@keyframes shimmer{ from{ background-position: 220% 0; } to{ background-position: -60% 0; } }
@media (prefers-reduced-motion: reduce){
  .hero-mark-draw{ clip-path: inset(0 0 0 0); animation:none; background-position:0 0; }
}

.hero h1{ color: var(--white); font-size: clamp(1.6rem, 3.2vw, 2.3rem); font-weight:500; max-width: 32ch; }
.hero p.lead{ color: rgba(255,255,255,.82); font-size: 1.15rem; max-width: 52ch; }
.hero-actions{ display:flex; gap:16px; margin-top: 32px; flex-wrap:wrap; }

.btn{
  display:inline-block; padding: 14px 28px; border-radius: 999px;
  font-weight:700; font-size:0.95rem; border: 2px solid transparent; cursor:pointer;
  transition: transform .2s var(--ease), background .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease), box-shadow .2s var(--ease);
}
.btn-primary{ background: var(--signal); color:var(--white); box-shadow: 0 8px 24px rgba(47,111,228,.35); }
.btn-primary:hover{ background: var(--white); color: var(--navy-deep); transform: translateY(-2px); }
.btn-ghost{ border-color: rgba(255,255,255,.4); color: var(--white); }
.btn-ghost:hover{ border-color: var(--white); background: rgba(255,255,255,.08); transform: translateY(-2px); }

/* reveal-on-scroll */
.reveal{ opacity:0; transform: translateY(18px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.is-visible{ opacity:1; transform:none; }
@media (prefers-reduced-motion: reduce){
  .reveal{ opacity:1; transform:none; }
}

/* ===== Sections ===== */
section{ padding: 88px 0; }
.section-head{ max-width: 640px; margin: 0 0 48px; }
.section-head .eyebrow{ color: var(--signal); }
.section-head h2{ font-size: clamp(1.8rem, 3.4vw, 2.6rem); }

.grid{ display:grid; gap: 28px; }
.grid-3{ grid-template-columns: repeat(3, 1fr); }
.grid-2{ grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px){
  .grid-3{ grid-template-columns: 1fr 1fr; }
  .grid-2{ grid-template-columns: 1fr; }
}
@media (max-width: 640px){
  .grid-3{ grid-template-columns: 1fr; }
  section{ padding: 56px 0; }
}

.card{
  background: var(--glass-bg); backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  -webkit-backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  border: 1px solid var(--glass-border); border-radius: var(--radius);
  padding: 32px; transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s var(--ease);
  box-shadow: 0 8px 32px rgba(10,40,86,.08), inset 0 1px 0 rgba(255,255,255,.6);
}
.card:hover{ transform: translateY(-4px); box-shadow: 0 20px 40px rgba(10,40,86,.14), inset 0 1px 0 rgba(255,255,255,.6); border-color: var(--signal-light); }
.card h3{ font-size: 1.2rem; }
.card .num{ font-family: var(--mono); color: var(--signal); font-size: 0.85rem; letter-spacing:.08em; }

.section-dark{ background: linear-gradient(160deg, var(--navy-deep), #051329); color: var(--white); position:relative; }
.section-dark h2, .section-dark h3{ color: var(--white); }
.section-dark p{ color: rgba(255,255,255,.78); }
.section-dark .card{
  background: var(--glass-dark-bg); border-color: var(--glass-dark-border);
  box-shadow: 0 8px 32px rgba(0,0,0,.3), inset 0 1px 0 rgba(255,255,255,.12);
}

.stats{ display:flex; gap:56px; flex-wrap:wrap; }
.stat .num{ font-family: var(--mono); font-size: clamp(2rem,4vw,2.8rem); color: var(--signal-light); display:block; }
.stat .label{ color: rgba(255,255,255,.7); font-size:0.9rem; }

/* ===== Dual-panel split reveal ("dual front") ===== */
.split-reveal{
  display:grid; grid-template-columns: 1fr 1fr; gap:0; position:relative;
  border-radius: var(--radius); overflow:hidden;
}
.split-panel{ padding: 56px 44px; position:relative; }
.split-panel-left{ clip-path: polygon(0 0, 100% 0, 88% 100%, 0 100%); padding-right:80px; }
.split-panel-right{ clip-path: polygon(12% 0, 100% 0, 100% 100%, 0 100%); margin-left:-70px; padding-left:110px; }
@media (max-width: 780px){
  .split-reveal{ grid-template-columns: 1fr; }
  .split-panel-left, .split-panel-right{ clip-path:none; margin-left:0; padding: 40px 28px; }
}
.split-panel h3{ font-size: clamp(1.3rem, 2.4vw, 1.7rem); }
.split-panel p{ max-width:34ch; }
.split-panel-navy{
  background: linear-gradient(160deg, var(--navy), var(--navy-deep));
  border:1px solid rgba(255,255,255,.14);
  box-shadow: 0 20px 50px rgba(7,26,61,.3), inset 0 1px 0 rgba(255,255,255,.14);
}

.panel-chips{ display:flex; gap:14px; flex-wrap:wrap; margin-top:28px; justify-content:center; }
.chip{
  background: var(--glass-bg); backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border:1px solid var(--glass-border); border-radius:999px; padding:12px 24px;
  font-weight:700; font-size:0.9rem; color:var(--navy-deep);
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.chip:hover{ transform: translateY(-3px); box-shadow: 0 10px 24px rgba(10,40,86,.14); background: var(--glass-bg-strong); }

/* ===== Reviews ===== */
.review-card{
  background: var(--glass-bg); backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  -webkit-backdrop-filter: blur(var(--glass-blur)) saturate(180%);
  border:1px solid var(--glass-border); border-radius: var(--radius);
  padding: 28px; break-inside: avoid;
  box-shadow: 0 8px 32px rgba(10,40,86,.08), inset 0 1px 0 rgba(255,255,255,.6);
}
.stars{ color: var(--gold); letter-spacing: 2px; font-size: 0.95rem; margin-bottom: 10px; }
.review-meta{ display:flex; justify-content:space-between; align-items:baseline; margin-top:16px; }
.review-name{ font-weight:700; color: var(--navy-deep); }
.review-sub{ color: var(--steel); font-size:0.82rem; }
.masonry{ columns: 3 280px; column-gap: 24px; }
.masonry .review-card{ margin-bottom:24px; }
@media (max-width: 700px){ .masonry{ columns: 1; } }

/* ===== Calculators ===== */
.calc-wrap{
  display:grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items:start;
}
@media (max-width: 900px){ .calc-wrap{ grid-template-columns: 1fr; } }
.field{ margin-bottom: 20px; }
.field label{ display:flex; justify-content:space-between; font-weight:600; font-size:0.9rem; margin-bottom:6px; }
.field .val{ font-family: var(--mono); color: var(--signal); }
.field input[type="range"]{ width:100%; accent-color: var(--signal); }
.field input[type="number"], .field input[type="text"]{
  width:100%; padding: 12px 14px; border:1px solid var(--steel-100); border-radius: var(--radius-sm);
  font-family: var(--mono); font-size:1rem; background: rgba(255,255,255,.7);
}
.result-panel{
  background: linear-gradient(160deg, var(--navy), var(--navy-deep)); color:var(--white); border-radius: var(--radius);
  padding: 36px; position:sticky; top: 100px;
  border:1px solid rgba(255,255,255,.12); box-shadow: 0 20px 50px rgba(7,26,61,.35), inset 0 1px 0 rgba(255,255,255,.12);
}
.result-panel .amount{ font-family: var(--mono); font-size: clamp(2.2rem,5vw,3rem); color:var(--white); display:block; margin: 6px 0 4px; }
.result-panel .sub{ color: rgba(255,255,255,.7); font-size:0.85rem; }
.result-divider{ height:1px; background: rgba(255,255,255,.15); margin: 20px 0; }
.disclaimer{
  font-size: 0.8rem; color: var(--steel); border-top:1px solid var(--steel-100); margin-top:28px; padding-top:16px;
}
.tabs{ display:flex; gap:8px; margin-bottom: 32px; border-bottom:1px solid var(--steel-100); }
.tab-btn{
  background:none; border:none; padding: 12px 4px; margin-right: 28px; font-family: var(--display);
  font-size:1.05rem; color: var(--steel); cursor:pointer; border-bottom: 3px solid transparent; transition: color .2s, border-color .2s;
}
.tab-btn[aria-selected="true"]{ color: var(--navy-deep); border-color: var(--signal); }
.tab-panel[hidden]{ display:none; }

/* amortization chart */
.amort-chart{ margin-top:24px; }
.amort-bars{ display:flex; align-items:flex-end; gap:3px; height:120px; }
.amort-bars .bar{ flex:1; height:100%; position:relative; border-radius:2px 2px 0 0; overflow:hidden; background: var(--steel-100); }
.amort-bars .bar span{ position:absolute; bottom:0; left:0; right:0; background: var(--signal-light); }
.amort-legend{ display:flex; gap:20px; margin-top:12px; font-size:0.78rem; color:rgba(255,255,255,.7); }
.amort-legend .dot{ display:inline-block; width:8px; height:8px; border-radius:50%; margin-right:6px; }

/* ===== Newsletter / insights ===== */
.newsletter-panel{
  border-radius: var(--radius); padding: 48px; text-align:center;
  background: linear-gradient(160deg, var(--navy), var(--navy-deep));
  backdrop-filter: blur(var(--glass-blur)) saturate(160%);
  -webkit-backdrop-filter: blur(var(--glass-blur)) saturate(160%);
  border:1px solid rgba(255,255,255,.14); box-shadow: 0 20px 50px rgba(7,26,61,.3), inset 0 1px 0 rgba(255,255,255,.14);
}
.newsletter-form{ display:flex; gap:12px; max-width:440px; margin:24px auto 0; flex-wrap:wrap; justify-content:center; }
.newsletter-form input[type="email"]{
  flex:1; min-width:220px; padding:14px 18px; border-radius:999px; border:1px solid rgba(255,255,255,.25);
  background: rgba(255,255,255,.08); color:var(--white); font-family:var(--body); font-size:0.95rem;
}
.newsletter-form input[type="email"]::placeholder{ color: rgba(255,255,255,.5); }
.newsletter-note{ font-size:0.78rem; color:rgba(255,255,255,.55); margin-top:14px; }

/* ===== Footer ===== */
.site-footer{ background: var(--ink); color: rgba(255,255,255,.75); padding: 64px 0 32px; }
.footer-grid{ display:grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
@media (max-width:700px){ .footer-grid{ grid-template-columns: 1fr; gap:32px; } }
.site-footer h4{ color:var(--white); font-size:0.9rem; text-transform:uppercase; letter-spacing:.08em; margin-bottom:16px; }
.site-footer ul{ list-style:none; margin:0; padding:0; }
.site-footer li{ margin-bottom:10px; }
.site-footer a{ color: rgba(255,255,255,.75); }
.site-footer a:hover{ color: var(--signal-light); }
.social-row{ display:flex; gap:14px; margin-top:18px; }
.social-row a{
  width:38px; height:38px; border:1px solid rgba(255,255,255,.25); border-radius:50%;
  display:flex; align-items:center; justify-content:center; transition: border-color .2s, background .2s, transform .2s;
}
.social-row a:hover{ border-color: var(--signal-light); background: rgba(47,111,228,.15); transform: translateY(-2px); }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.12); padding-top:24px; font-size:0.8rem; display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px; }

/* util */
.text-center{ text-align:center; }
.mt-0{ margin-top:0; }
.badge{
  display:inline-flex; align-items:center; gap:6px; background: var(--steel-100); color:var(--navy-deep);
  padding: 6px 14px; border-radius: 999px; font-size:0.82rem; font-weight:600;
}