/* ==========================================================================
   WOW Loans Design System — "Main Street"
   wow.css — base styles + components. Requires tokens.css.
   ========================================================================== */

/* --------------------------------------------------------------------------
   BASE
   -------------------------------------------------------------------------- */

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--wow-bg);
  color: var(--wow-text);
  font-family: var(--wow-font-text);
  font-size: var(--wow-text-base);
  line-height: var(--wow-leading-body);
  -webkit-font-smoothing: antialiased;
  /* Subtle paper grain — kills the "flat AI gradient" look */
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3CfeColorMatrix values='0 0 0 0 0.14 0 0 0 0 0.13 0 0 0 0 0.1 0 0 0 0.025 0'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E");
}

h1, h2, h3 {
  font-family: var(--wow-font-display);
  font-weight: 560;
  line-height: var(--wow-leading-tight);
  letter-spacing: var(--wow-tracking-tight);
  margin: 0 0 var(--wow-space-4);
  text-wrap: balance;
}
h1 { font-size: var(--wow-text-3xl); font-variation-settings: "opsz" 72, "SOFT" 40; }
h2 { font-size: var(--wow-text-2xl); font-variation-settings: "opsz" 40, "SOFT" 40; }
h3 { font-size: var(--wow-text-xl); }
h4 { font-family: var(--wow-font-text); font-size: var(--wow-text-base); font-weight: 600; margin: 0 0 var(--wow-space-2); }

p { margin: 0 0 var(--wow-space-4); }
.wow-lead { font-size: var(--wow-text-lg); color: var(--wow-text-muted); }

a { color: var(--wow-link); text-decoration: underline; text-decoration-thickness: 1.5px; text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2.5px; }

strong { font-weight: 600; }

/* Overline label above section headings */
.wow-overline {
  display: inline-block;
  font-size: var(--wow-text-xs);
  font-weight: 600;
  letter-spacing: var(--wow-tracking-wide);
  text-transform: uppercase;
  color: var(--wow-pine);
  margin-bottom: var(--wow-space-2);
}

/* Hand-drawn marigold underline for key words: <em class="wow-mark"> */
.wow-mark {
  font-style: normal;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 120 9' preserveAspectRatio='none'%3E%3Cpath d='M2 6.5 C 25 2.5, 60 8, 118 4' stroke='%23E9A13B' stroke-width='4' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: 0 100%;
  background-size: 100% 0.32em;
  padding-bottom: 0.18em;
}

/* Money / rate figures — always tabular */
.wow-figure {
  font-variant-numeric: tabular-nums lining-nums;
  font-feature-settings: "tnum";
}

/* Layout helpers */
.wow-container { max-width: var(--wow-container); margin-inline: auto; padding-inline: var(--wow-gutter); }
.wow-section { padding-block: var(--wow-space-8); }
.wow-section--tight { padding-block: var(--wow-space-7); }

:focus-visible {
  outline: 3px solid var(--wow-focus-ring);
  outline-offset: 2px;
  border-radius: var(--wow-radius-sm);
}

::selection { background: var(--wow-marigold-tint); color: var(--wow-ink); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

/* --------------------------------------------------------------------------
   BUTTONS — pill, ink border, hard shadow that "presses in" on click
   -------------------------------------------------------------------------- */

.wow-btn {
  display: inline-flex;
  align-items: center;
  gap: var(--wow-space-2);
  font-family: var(--wow-font-text);
  font-size: var(--wow-text-base);
  font-weight: 600;
  line-height: 1;
  padding: 0.875rem 1.625rem;
  border-radius: var(--wow-radius-pill);
  border: var(--wow-border);
  cursor: pointer;
  text-decoration: none;
  transition: transform var(--wow-duration-fast) var(--wow-ease-out),
              box-shadow var(--wow-duration-fast) var(--wow-ease-out),
              background-color var(--wow-duration-fast);
}

.wow-btn--primary {
  background: var(--wow-marigold);
  color: var(--wow-ink);
  box-shadow: var(--wow-shadow-md);
}
.wow-btn--primary:hover { background: var(--wow-marigold-hover); transform: translate(-1px, -1px); box-shadow: 5px 5px 0 0 var(--wow-ink); }
.wow-btn--primary:active { transform: translate(3px, 3px); box-shadow: 1px 1px 0 0 var(--wow-ink); }

.wow-btn--secondary {
  background: var(--wow-paper-raised);
  color: var(--wow-ink);
  box-shadow: var(--wow-shadow-sm);
}
.wow-btn--secondary:hover { background: var(--wow-pine-tint); }
.wow-btn--secondary:active { transform: translate(2px, 2px); box-shadow: 0 0 0 0 var(--wow-ink); }

.wow-btn--ghost {
  background: transparent;
  border-color: transparent;
  color: var(--wow-pine);
  text-decoration: underline;
  text-decoration-thickness: 1.5px;
  text-underline-offset: 4px;
}
.wow-btn--ghost:hover { color: var(--wow-pine-hover); background: var(--wow-pine-tint); border-radius: var(--wow-radius-sm); }

.wow-btn--lg { font-size: var(--wow-text-lg); padding: 1.0625rem 2.125rem; }
.wow-btn--sm { font-size: var(--wow-text-sm); padding: 0.5625rem 1.125rem; }

.wow-btn[disabled], .wow-btn--disabled {
  opacity: 0.45;
  pointer-events: none;
  box-shadow: none;
}

/* --------------------------------------------------------------------------
   FORMS — generous targets, ink borders, marigold focus
   -------------------------------------------------------------------------- */

.wow-field { margin-bottom: var(--wow-space-5); }

.wow-label {
  display: block;
  font-size: var(--wow-text-sm);
  font-weight: 600;
  margin-bottom: var(--wow-space-2);
}
.wow-hint { font-size: var(--wow-text-xs); color: var(--wow-ink-faint); margin-top: var(--wow-space-1); }

.wow-input, .wow-select, .wow-textarea {
  width: 100%;
  font: inherit;
  color: var(--wow-text);
  background: var(--wow-paper-raised);
  border: var(--wow-border);
  border-radius: var(--wow-radius-sm);
  padding: 0.8125rem 1rem;
  transition: box-shadow var(--wow-duration-fast);
}
.wow-input::placeholder, .wow-textarea::placeholder { color: var(--wow-ink-faint); }
.wow-input:focus, .wow-select:focus, .wow-textarea:focus {
  outline: none;
  box-shadow: 3px 3px 0 0 var(--wow-marigold);
}
.wow-input--error { border-color: var(--wow-clay); }
.wow-error-msg { font-size: var(--wow-text-xs); color: var(--wow-clay); font-weight: 600; margin-top: var(--wow-space-1); }

.wow-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1.5 7 7.5 13 1.5' stroke='%2323211B' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.75rem;
}

/* Loan amount slider */
.wow-range { width: 100%; accent-color: var(--wow-pine); height: 2rem; }
.wow-range-value {
  font-family: var(--wow-font-display);
  font-size: var(--wow-text-2xl);
  font-variant-numeric: tabular-nums;
  color: var(--wow-pine);
}

/* --------------------------------------------------------------------------
   CARDS — "ticket" corner is the brand signature
   -------------------------------------------------------------------------- */

.wow-card {
  background: var(--wow-surface);
  border: var(--wow-border);
  border-radius: var(--wow-radius-tab);
  box-shadow: var(--wow-shadow-md);
  padding: var(--wow-space-6);
}
.wow-card--flat { box-shadow: none; border: var(--wow-border-soft); }
.wow-card--accent { box-shadow: var(--wow-shadow-accent); }
.wow-card--pine { background: var(--wow-pine); color: #F4EFE4; }
.wow-card--pine h3 { color: #F4EFE4; }

/* Feature card with stamped icon chip */
.wow-icon-chip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 3rem;
  height: 3rem;
  border-radius: var(--wow-radius-tab);
  border: var(--wow-border);
  background: var(--wow-marigold-tint);
  margin-bottom: var(--wow-space-4);
}
.wow-icon-chip svg { width: 1.5rem; height: 1.5rem; stroke: var(--wow-ink); stroke-width: 1.75; fill: none; }

/* --------------------------------------------------------------------------
   STEPS (How it works) — big serif numerals, dotted connector
   -------------------------------------------------------------------------- */

.wow-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: var(--wow-space-6);
}
@media (min-width: 760px) { .wow-steps { grid-template-columns: repeat(3, 1fr); } }

.wow-step { position: relative; padding-top: var(--wow-space-2); }
.wow-step-num {
  font-family: var(--wow-font-display);
  font-size: var(--wow-text-3xl);
  font-weight: 600;
  color: var(--wow-marigold);
  -webkit-text-stroke: 1.25px var(--wow-ink);
  line-height: 1;
  display: block;
  margin-bottom: var(--wow-space-3);
}

/* --------------------------------------------------------------------------
   BADGES & PILLS
   -------------------------------------------------------------------------- */

.wow-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: var(--wow-text-xs);
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 0.3125rem 0.75rem;
  border-radius: var(--wow-radius-pill);
  border: 1.5px solid currentColor;
}
.wow-badge--pine    { color: var(--wow-pine);  background: var(--wow-pine-tint); }
.wow-badge--gold    { color: #8a5a10;          background: var(--wow-marigold-tint); }
.wow-badge--clay    { color: var(--wow-clay);  background: var(--wow-clay-tint); }
.wow-badge--moss    { color: #45563a;          background: var(--wow-moss-tint); }

/* --------------------------------------------------------------------------
   TABLES — rates & fees; ledger stripes, tabular figures
   -------------------------------------------------------------------------- */

.wow-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--wow-paper-raised);
  border: var(--wow-border);
  border-radius: var(--wow-radius-md);
  overflow: hidden;
  font-variant-numeric: tabular-nums;
}
.wow-table-wrap { overflow-x: auto; border-radius: var(--wow-radius-md); }
.wow-table th {
  text-align: left;
  font-size: var(--wow-text-sm);
  font-weight: 600;
  letter-spacing: 0.03em;
  background: var(--wow-pine);
  color: #F4EFE4;
  padding: 0.875rem 1.125rem;
}
.wow-table td {
  padding: 0.875rem 1.125rem;
  border-top: var(--wow-border-soft);
}
.wow-table tbody tr:nth-child(even) { background: var(--wow-paper-sunken); }

/* --------------------------------------------------------------------------
   FAQ ACCORDION — native <details>, plus/minus rotation
   -------------------------------------------------------------------------- */

.wow-faq { border: var(--wow-border); border-radius: var(--wow-radius-md); background: var(--wow-paper-raised); overflow: hidden; }
.wow-faq details + details { border-top: var(--wow-border); }
.wow-faq summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--wow-space-4);
  padding: 1.125rem 1.375rem;
  font-weight: 600;
  font-size: var(--wow-text-base);
}
.wow-faq summary::-webkit-details-marker { display: none; }
.wow-faq summary::after {
  content: "+";
  font-family: var(--wow-font-display);
  font-size: 1.5rem;
  line-height: 1;
  color: var(--wow-pine);
  transition: transform var(--wow-duration-base) var(--wow-ease-out);
}
.wow-faq details[open] summary::after { transform: rotate(45deg); }
.wow-faq details[open] summary { background: var(--wow-pine-tint); }
.wow-faq .wow-faq-body { padding: 0 1.375rem 1.25rem; color: var(--wow-text-muted); }

/* --------------------------------------------------------------------------
   TESTIMONIALS — index-card look, slight rotation
   -------------------------------------------------------------------------- */

.wow-quote {
  background: var(--wow-paper-raised);
  border: var(--wow-border);
  border-radius: var(--wow-radius-tab);
  box-shadow: var(--wow-shadow-sm);
  padding: var(--wow-space-5) var(--wow-space-6);
  transform: rotate(-0.6deg);
}
.wow-quote:nth-child(even) { transform: rotate(0.5deg); }
.wow-quote blockquote {
  margin: 0 0 var(--wow-space-3);
  font-family: var(--wow-font-display);
  font-size: var(--wow-text-lg);
  font-style: italic;
  line-height: var(--wow-leading-snug);
}
.wow-quote figcaption { font-size: var(--wow-text-sm); color: var(--wow-text-muted); }
.wow-quote figcaption strong { color: var(--wow-text); }

/* --------------------------------------------------------------------------
   TRUST BAR & DISCLOSURE
   -------------------------------------------------------------------------- */

.wow-trustbar {
  display: flex;
  flex-wrap: wrap;
  gap: var(--wow-space-3) var(--wow-space-6);
  align-items: center;
  padding: var(--wow-space-3) 0;
  border-top: var(--wow-border);
  border-bottom: var(--wow-border);
  font-size: var(--wow-text-sm);
  font-weight: 600;
}
.wow-trustbar svg { width: 1.125rem; height: 1.125rem; stroke: var(--wow-pine); stroke-width: 1.75; fill: none; vertical-align: -3px; margin-right: 0.375rem; }

.wow-disclosure {
  font-size: var(--wow-text-xs);
  line-height: 1.55;
  color: var(--wow-ink-soft);
  background: var(--wow-paper-sunken);
  border-left: 4px solid var(--wow-marigold);
  border-radius: 0 var(--wow-radius-sm) var(--wow-radius-sm) 0;
  padding: var(--wow-space-4) var(--wow-space-5);
}

/* --------------------------------------------------------------------------
   HEADER & FOOTER
   -------------------------------------------------------------------------- */

.wow-header {
  position: sticky;
  top: 0;
  z-index: var(--wow-z-header);
  background: var(--wow-paper);
  border-bottom: var(--wow-border);
}
.wow-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--wow-space-5);
  padding-block: 0.875rem;
}
.wow-logo {
  font-family: var(--wow-font-display);
  font-size: 1.5rem;
  font-weight: 640;
  color: var(--wow-ink);
  text-decoration: none;
  letter-spacing: -0.01em;
}
.wow-logo .wow-logo-dot { color: var(--wow-marigold); }
.wow-nav { display: flex; gap: var(--wow-space-5); align-items: center; }
.wow-nav a {
  color: var(--wow-ink);
  text-decoration: none;
  font-weight: 500;
  font-size: var(--wow-text-sm);
  padding: 0.25rem 0;
  border-bottom: 2px solid transparent;
}
.wow-nav a:hover, .wow-nav a[aria-current="page"] { border-bottom-color: var(--wow-marigold); }

.wow-footer {
  background: var(--wow-pine);
  color: #F4EFE4;
  padding-block: var(--wow-space-8) var(--wow-space-6);
  margin-top: var(--wow-space-8);
}
.wow-footer a { color: #DCE5DC; }
.wow-footer a:hover { color: var(--wow-marigold); }
.wow-footer .wow-footer-legal {
  font-size: var(--wow-text-xs);
  color: #B7C2B2;
  border-top: 1px solid rgba(244, 239, 228, 0.25);
  padding-top: var(--wow-space-5);
  margin-top: var(--wow-space-6);
}

/* --------------------------------------------------------------------------
   STATE GRID
   -------------------------------------------------------------------------- */

.wow-state-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(10rem, 1fr));
  gap: var(--wow-space-2);
}
.wow-state-grid a {
  display: block;
  padding: 0.625rem 0.875rem;
  border: var(--wow-border-soft);
  border-radius: var(--wow-radius-sm);
  background: var(--wow-paper-raised);
  color: var(--wow-ink);
  text-decoration: none;
  font-size: var(--wow-text-sm);
  font-weight: 500;
  transition: all var(--wow-duration-fast);
}
.wow-state-grid a:hover {
  border: var(--wow-border);
  box-shadow: var(--wow-shadow-sm);
  transform: translate(-1px, -1px);
}

/* --------------------------------------------------------------------------
   IMAGES — every photo gets the ink frame so stock/AI photos feel placed
   -------------------------------------------------------------------------- */

.wow-photo {
  display: block;
  width: 100%;
  height: auto;
  border: var(--wow-border);
  border-radius: var(--wow-radius-tab);
  box-shadow: var(--wow-shadow-md);
}
.wow-photo--accent { box-shadow: var(--wow-shadow-accent); }
figure.wow-photo-fig { margin: 0; }
figure.wow-photo-fig figcaption {
  font-size: var(--wow-text-xs);
  color: var(--wow-ink-faint);
  margin-top: var(--wow-space-2);
}