/* Georgia Lending — plain, fast, mobile-first styles. System fonts only.
   Red and black palette: black #000000, red #BA0C2F, bright red accent #E4002B,
   white #FFFFFF. */
:root {
  --black: #000000;
  --red: #ba0c2f;
  --red-bright: #e4002b;
  --white: #ffffff;
  --cream: #fdf8f8;
  --paper: #ffffff;
  --ink: #1a1a1a;
  --muted: #545454;
  --line: #e8dede;
  --tint: #fdeef1;
  --tint-line: #f6cdd5;
  --radius: 10px;
  --max: 1080px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  font-size: 1.05rem;
}

a { color: var(--red); }
a:hover { color: var(--red-bright); text-decoration: underline; }

img, svg { max-width: 100%; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 1.25rem; }

/* Header */
.site-header { background: var(--black); color: #fff; border-bottom: 4px solid var(--red-bright); }
.site-header .wrap { display: flex; flex-wrap: wrap; align-items: center; gap: 0.5rem 1.5rem; padding-top: 0.9rem; padding-bottom: 0.9rem; }
.brand { color: #fff; text-decoration: none; font-size: 1.4rem; font-weight: 800; letter-spacing: 0.01em; }
.brand span { color: var(--red-bright); }
.tagline { color: #d8d8d8; font-size: 0.9rem; margin: 0; }
.main-nav { margin-left: auto; display: flex; flex-wrap: wrap; gap: 0.25rem 1.25rem; }
.main-nav a { color: #f0f0f0; text-decoration: none; font-weight: 600; padding: 0.25rem 0; }
.main-nav a:hover, .main-nav a:focus-visible { color: #fff; text-decoration: underline; }
.main-nav a[aria-current="page"] { color: var(--red-bright); }

/* Hero */
.hero { background: linear-gradient(135deg, var(--black) 0%, var(--red) 55%, var(--red-bright) 100%); color: #fff; padding: 3rem 0 2.75rem; }
.hero h1 { font-size: clamp(1.9rem, 4.5vw, 2.9rem); line-height: 1.15; margin: 0 0 0.6rem; }
.hero p.lede { font-size: 1.2rem; color: #ffe1e6; max-width: 38rem; margin: 0 0 1.4rem; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: 0.75rem; align-items: center; }

/* Buttons */
.btn { display: inline-block; padding: 0.75rem 1.4rem; border-radius: 8px; font-weight: 800; text-decoration: none; border: 2px solid transparent; }
.btn:hover { text-decoration: none; }
.btn-primary { background: var(--red-bright); color: #fff; }
.btn-primary:hover { background: var(--red); color: #fff; }
.btn-outline { border-color: #fff; color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,0.15); }
.btn-green { background: var(--red-bright); color: #fff; }
.btn-green:hover { background: var(--red); color: #fff; }

.affiliate-note { font-size: 0.85rem; color: var(--muted); margin-top: 0.5rem; }
.hero .affiliate-note { color: #ffc9d2; }

/* Sections */
section { padding: 2.25rem 0; }
section h2 { font-size: 1.6rem; line-height: 1.25; margin: 0 0 0.75rem; color: var(--black); }
section h3 { color: var(--black); }
.section-alt { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* How it works */
.steps { list-style: none; margin: 1rem 0 0; padding: 0; display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); counter-reset: step; }
.steps li { background: var(--paper); border: 1px solid var(--line); border-top: 4px solid var(--red-bright); border-radius: var(--radius); padding: 1.1rem 1.2rem; }
.steps li strong { display: block; font-size: 1.1rem; color: var(--black); margin-bottom: 0.3rem; }
.steps li p { margin: 0; color: var(--muted); }

/* Cards */
.cards { list-style: none; margin: 1rem 0 0; padding: 0; display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card { background: var(--paper); border: 1px solid var(--line); border-top: 4px solid var(--red-bright); border-radius: var(--radius); padding: 1.25rem; display: flex; flex-direction: column; }
.card h3 { margin: 0 0 0.4rem; font-size: 1.2rem; }
.card h3 a { color: var(--black); text-decoration: none; }
.card h3 a:hover { color: var(--red); text-decoration: underline; }
.card p { margin: 0 0 1rem; color: var(--muted); flex-grow: 1; }
.card .card-link { font-weight: 700; }

/* Article */
article { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem 1.5rem 1.75rem; }
article h1 { font-size: clamp(1.7rem, 4vw, 2.3rem); line-height: 1.2; color: var(--black); margin: 0 0 0.5rem; }
article h2 { margin-top: 1.75rem; }
article .lede { font-size: 1.15rem; color: var(--muted); }
.callout { background: var(--tint); border-left: 5px solid var(--red-bright); border-radius: 0 8px 8px 0; padding: 0.9rem 1.1rem; margin: 1.25rem 0; }
.callout p { margin: 0; }
.callout strong { color: var(--black); }
.cta-block { background: var(--black); color: #fff; border: 3px solid var(--red-bright); border-radius: var(--radius); padding: 1.4rem 1.5rem; margin: 1.75rem 0 0.5rem; }
.cta-block h2, .cta-block h3 { color: #fff; margin: 0 0 0.4rem; }
.cta-block p { color: #d8d8d8; margin: 0 0 1rem; }
.cta-block .affiliate-note { color: #d0a9b0; }
.breadcrumb { font-size: 0.9rem; color: var(--muted); margin: 0 0 1rem; }
.breadcrumb a { color: var(--muted); }
.related { margin-top: 1.5rem; }
.related ul { margin: 0.4rem 0 0; padding-left: 1.2rem; }

/* Tables */
table { width: 100%; border-collapse: collapse; margin: 1rem 0; font-size: 0.98rem; }
th, td { text-align: left; padding: 0.65rem 0.8rem; border: 1px solid var(--line); vertical-align: top; }
th { background: var(--black); color: #fff; border-bottom: 3px solid var(--red-bright); }
tr:nth-child(even) td { background: #f6f3f3; }
.table-scroll { overflow-x: auto; }

/* Calculator */
.calc-grid { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 760px) { .calc-grid { grid-template-columns: 1fr 1fr; } }
.field { margin-bottom: 1rem; }
.field label { display: block; font-weight: 700; color: var(--black); margin-bottom: 0.3rem; }
.field input, .field select { width: 100%; padding: 0.6rem 0.7rem; font-size: 1rem; border: 1.5px solid #cfc0c2; border-radius: 8px; background: #fff; color: var(--ink); }
.field input:focus, .field select:focus { outline: 3px solid #ff8fa3; border-color: var(--red); }
.field .hint { font-size: 0.88rem; color: var(--muted); margin-top: 0.25rem; }
.calc-results { background: var(--tint); border: 1px solid var(--tint-line); border-radius: var(--radius); padding: 1.25rem 1.4rem; }
.calc-results h2 { margin-top: 0; }
.result-total { font-size: 2rem; font-weight: 800; color: var(--black); margin: 0.2rem 0 0.75rem; }
.result-rows { list-style: none; margin: 0; padding: 0; }
.result-rows li { display: flex; justify-content: space-between; gap: 1rem; padding: 0.4rem 0; border-top: 1px solid #ecd8dc; }
.result-rows li span:last-child { font-weight: 700; white-space: nowrap; }
.estimate-label { font-weight: 700; color: var(--red); }

/* FAQ */
details { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 1rem 1.2rem; margin-bottom: 0.75rem; }
summary { font-weight: 700; color: var(--black); cursor: pointer; }
summary:hover { color: var(--red); }
details p { margin: 0.6rem 0 0; }

/* Footer */
.site-footer { background: var(--black); color: #d8d8d8; padding: 2rem 0 2.5rem; font-size: 0.92rem; border-top: 5px solid var(--red-bright); }
.site-footer a { color: #f0f0f0; }
.footer-nav { display: flex; flex-wrap: wrap; gap: 0.25rem 1.25rem; margin-bottom: 1rem; }
.site-footer p { margin: 0 0 0.6rem; }
.disclosure-box { border: 1px solid #444444; border-radius: 8px; padding: 1rem 1.1rem; margin-bottom: 1rem; background: rgba(255,255,255,0.03); }

:focus-visible { outline: 3px solid var(--red-bright); outline-offset: 2px; }

@media (max-width: 600px) {
  body { font-size: 1rem; }
  .main-nav { margin-left: 0; }
  section { padding: 1.75rem 0; }
}