/* ============================================================
   Meridian Commercial Finance — one-page site
   Mobile-first. No frameworks, no build step.
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  --navy: #0b1f3a;
  --navy-light: #14304f;
  --ink: #1f2937;
  --muted: #5b6b7c;
  --bg: #ffffff;
  --bg-soft: #f4f6f9;
  --accent: #2e5fa3;
  --accent-dark: #234a7f;
  --line: #dde3ea;
  --white: #ffffff;
  --serif: Georgia, "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --radius: 10px;
  --shadow: 0 6px 24px rgba(11, 31, 58, 0.08);
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 76px; /* offset sticky header */
}

body {
  font-family: var(--sans);
  color: var(--ink);
  line-height: 1.6;
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: var(--accent);
}

h1, h2, h3 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.2;
}

.container {
  width: 100%;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

.container.narrow {
  max-width: 820px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.8rem 1.6rem;
  border-radius: 6px;
  font-family: var(--sans);
  font-size: 0.95rem;
  font-weight: 600;
  text-decoration: none;
  text-align: center;
  transition: background-color 0.2s ease, transform 0.1s ease;
}

.btn:active {
  transform: translateY(1px);
}

.btn-primary {
  background: var(--accent);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--accent-dark);
}

.btn-ghost {
  border: 1px solid rgba(255, 255, 255, 0.5);
  color: var(--white);
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.12);
}

.btn-block {
  display: block;
  width: 100%;
}

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: var(--navy);
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 6px;
  background: var(--navy);
  color: var(--white);
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 700;
}

.brand-name {
  font-size: 0.95rem;
  color: var(--navy);
}

.brand-name strong {
  font-weight: 600;
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}

.nav-toggle-bar {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.6rem;
  list-style: none;
}

.nav-menu a {
  text-decoration: none;
  color: var(--ink);
  font-size: 0.95rem;
  font-weight: 500;
}

.nav-menu a:hover {
  color: var(--accent);
}

.nav-menu .nav-cta {
  padding: 0.5rem 1.1rem;
  border-radius: 6px;
  background: var(--accent);
  color: var(--white);
}

.nav-menu .nav-cta:hover {
  background: var(--accent-dark);
  color: var(--white);
}

@media (max-width: 760px) {
  .nav-toggle {
    display: flex;
  }

  .nav-menu {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
    padding: 0.5rem 0;
  }

  .nav-menu.open {
    display: flex;
  }

  .nav-menu li {
    border-top: 1px solid var(--bg-soft);
  }

  .nav-menu a,
  .nav-menu .nav-cta {
    display: block;
    padding: 0.85rem 1.25rem;
    border-radius: 0;
  }
}

/* ---------- Hero ---------- */
.hero {
  background: var(--navy);
  color: var(--white);
  padding: 4.5rem 0;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(1.9rem, 4.5vw, 3rem);
  max-width: 640px;
  margin: 0.6rem 0 1rem;
}

.hero-lead {
  font-size: 1.08rem;
  max-width: 620px;
  color: #c7d2e0;
  margin-bottom: 1.8rem;
}

.eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.4rem;
}

.hero .eyebrow {
  color: #9db8d8;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
}

/* ---------- Sections ---------- */
.section {
  padding: 4rem 0;
}

.section-alt {
  background: var(--bg-soft);
}

.section h2 {
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  margin-bottom: 1rem;
}

.section.narrow h2 {
  text-align: center;
}

.section.narrow .eyebrow {
  text-align: center;
}

.section.narrow > p:not(.eyebrow):not(.contact-lead) {
  margin-bottom: 1rem;
}

/* ---------- Cards ---------- */
.cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.2rem;
  margin-top: 2rem;
}

@media (min-width: 700px) {
  .cards {
    grid-template-columns: 1fr 1fr;
  }
}

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}

.card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.5rem;
}

.card p {
  font-size: 0.95rem;
  color: var(--muted);
}

/* ---------- Steps ---------- */
.steps {
  list-style: none;
  counter-reset: step;
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.2rem;
  margin-top: 2rem;
}

@media (min-width: 700px) {
  .steps {
    grid-template-columns: repeat(3, 1fr);
  }
}

.steps li {
  border-top: 3px solid var(--accent);
  padding-top: 1rem;
}

.step-num {
  display: inline-grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--serif);
  font-size: 0.95rem;
  margin-bottom: 0.6rem;
}

.steps h3 {
  font-size: 1.1rem;
  margin-bottom: 0.3rem;
}

.steps p {
  font-size: 0.95rem;
  color: var(--muted);
}

/* ---------- Contact form ---------- */
.contact-lead {
  color: var(--muted);
  margin-bottom: 1.6rem;
  text-align: center;
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: var(--shadow);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}

@media (min-width: 640px) {
  .form-row {
    grid-template-columns: 1fr 1fr;
  }
}

.field {
  margin-bottom: 1rem;
}

.field label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.35rem;
}

.field .optional {
  font-weight: 400;
  color: var(--muted);
  font-size: 0.8rem;
}

.field input,
.field textarea {
  width: 100%;
  padding: 0.7rem 0.8rem;
  border: 1px solid var(--line);
  border-radius: 6px;
  font-family: var(--sans);
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--white);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.field input:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(46, 95, 163, 0.15);
}

.form-status {
  min-height: 1.4rem;
  font-size: 0.9rem;
  margin-bottom: 0.6rem;
}

.form-status.error {
  color: #b3261e;
}

.form-status.success {
  color: #1e7a46;
}

.form-note {
  font-size: 0.8rem;
  color: var(--muted);
  text-align: center;
  margin-top: 0.8rem;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: #c7d2e0;
  font-size: 0.9rem;
  padding: 2.5rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.4rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

@media (min-width: 700px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1fr;
  }
}

.footer-brand {
  font-family: var(--serif);
  font-size: 1.05rem;
  color: var(--white);
  margin-bottom: 0.4rem;
}

.site-footer a {
  color: #c7d2e0;
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--white);
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  justify-content: space-between;
  padding-top: 1.2rem;
  font-size: 0.82rem;
}

.footer-disclaimer {
  color: #8aa0ba;
}

/* ---------- Motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}