/* ============================================================
   SIERRA CREDIT SOLUTIONS — standalone site
   sierracreditsolutions.com  (Cloudflare Pages project: scs-site)

   Self-contained. Does NOT depend on the sierrahomegroup.com build,
   partials, or CSS. Shared teal identity with the /refer partner pages.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;1,9..144,400&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --teal:       #0d7d7d;
  --teal-dark:  #095e5e;
  --teal-soft:  #e7f1f1;
  --ink:        #16292a;
  --muted:      #5a6b6b;
  --line:       #d8e3e3;
  --bg:         #f4f8f8;
  --card:       #ffffff;
  --gold:       #c9a24b;
  --error:      #c0392b;
  --max:        1080px;
  --ease:       cubic-bezier(0.25, 0.1, 0.25, 1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 400;
  line-height: 1.12;
  color: var(--ink);
  letter-spacing: -0.01em;
}

a { color: var(--teal); text-decoration: none; transition: color 0.2s var(--ease); }
a:hover { color: var(--teal-dark); }

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

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

/* ---------- SITE HEADER (standalone SCS chrome) ---------- */
.site-header {
  background: var(--card);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
}
.site-header .header-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand-lockup { display: flex; flex-direction: column; line-height: 1.05; }
.brand-lockup .brand-name {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 20px;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.brand-lockup .brand-name strong { color: var(--teal); font-weight: 500; }
.brand-lockup .brand-kicker {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 2.5px;
  color: var(--muted);
  margin-top: 2px;
}
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-actions .lang-link { font-size: 13px; font-weight: 500; color: var(--muted); }
.header-actions .lang-link:hover { color: var(--teal); }
.header-actions .header-cta {
  background: var(--teal);
  color: #fff !important;
  padding: 10px 20px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  transition: background 0.2s var(--ease), transform 0.15s var(--ease);
}
.header-actions .header-cta:hover { background: var(--teal-dark); transform: translateY(-1px); }

@media (max-width: 620px) {
  .header-actions .header-cta { display: none; }
}

/* ---------- HERO ---------- */
.hero { padding: 72px 24px 64px; }
.hero-grid {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: start;
}
.overline {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 3px;
  font-weight: 600;
  color: var(--teal);
  display: block;
  margin-bottom: 16px;
}
.hero-copy h1 {
  font-size: clamp(32px, 4.4vw, 50px);
  margin-bottom: 20px;
}
.hero-lead {
  font-size: 1.075rem;
  color: var(--muted);
  font-weight: 300;
  line-height: 1.75;
  margin-bottom: 28px;
  max-width: 480px;
}
.hero-lead em { font-style: normal; color: var(--teal); font-weight: 500; }
.hero-lead strong { color: var(--ink); font-weight: 600; }

.value-list { list-style: none; display: flex; flex-direction: column; gap: 14px; margin-bottom: 26px; }
.value-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.98rem;
  color: var(--ink);
  line-height: 1.5;
}
.value-list .tick {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px; height: 22px; min-width: 22px;
  background: var(--teal);
  border-radius: 50%;
  margin-top: 1px;
  flex-shrink: 0;
}
.value-list .tick svg { width: 11px; height: 11px; fill: none; stroke: #fff; stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }
.hero-meta { font-size: 12px; color: var(--muted); letter-spacing: 0.4px; }

/* ---------- FORM CARD ---------- */
.form-card {
  background: var(--card);
  border-radius: 18px;
  padding: 36px 32px;
  box-shadow: 0 10px 44px rgba(13, 125, 125, 0.12);
  border-top: 4px solid var(--teal);
}
.form-card .form-headline {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 22px;
  color: var(--ink);
  margin-bottom: 6px;
}
.form-card .form-sub {
  font-size: 13px;
  color: var(--muted);
  font-weight: 300;
  line-height: 1.55;
  margin-bottom: 22px;
}
.lead-form .field { margin-bottom: 12px; }
.lead-form label { display: block; font-size: 12px; font-weight: 600; color: var(--ink); margin-bottom: 5px; }
.lead-form input:not([type="checkbox"]):not([type="radio"]), .lead-form select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 9px;
  font-size: 14px;
  font-family: inherit;
  background: #fff;
  color: var(--ink);
}
.lead-form input:focus, .lead-form select:focus { outline: 2px solid var(--teal); border-color: var(--teal); }

.consent-group { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--line); }
.consent-check { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; }
.consent-check input { margin-top: 3px; flex-shrink: 0; width: 16px; height: 16px; }
.consent-text { flex: 1; min-width: 0; font-size: 11.5px; color: var(--muted); font-weight: 400; line-height: 1.5; margin: 0; }
.consent-text a { color: var(--teal); text-decoration: underline; }

.submit-btn {
  width: 100%;
  margin-top: 16px;
  padding: 15px;
  background: var(--teal);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
  transition: background 0.2s var(--ease);
}
.submit-btn:hover { background: var(--teal-dark); }
.submit-btn:disabled { opacity: 0.6; cursor: not-allowed; }

.form-error-msg { color: var(--error); font-size: 13px; margin-top: 12px; display: none; }
.form-success { display: none; text-align: center; padding: 24px 0; }
.form-success h3 { font-size: 20px; color: var(--teal); margin-bottom: 8px; }
.form-success p { font-size: 14px; color: var(--muted); }

/* ---------- HOW IT WORKS ---------- */
.how {
  background: var(--card);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 80px 24px;
}
.how-head { text-align: center; max-width: 620px; margin: 0 auto 48px; }
.how-head h2 { font-size: clamp(26px, 3.4vw, 36px); margin-top: 10px; }
.how-head p { color: var(--muted); font-weight: 300; margin-top: 12px; }
.how-grid {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.how-step {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 32px 26px;
}
.how-step .step-num {
  font-family: 'Fraunces', Georgia, serif;
  font-size: 40px;
  color: var(--teal);
  line-height: 1;
  display: block;
  margin-bottom: 14px;
}
.how-step h3 { font-size: 20px; margin-bottom: 10px; }
.how-step p { font-size: 14px; color: var(--muted); font-weight: 300; line-height: 1.65; }

/* ---------- CLOSING CTA ---------- */
.closing { padding: 84px 24px; text-align: center; }
.closing h2 { font-size: clamp(26px, 3.6vw, 38px); max-width: 640px; margin: 0 auto 16px; }
.closing p { color: var(--muted); font-weight: 300; max-width: 520px; margin: 0 auto 28px; }
.closing .cta-btn {
  display: inline-block;
  background: var(--teal);
  color: #fff !important;
  padding: 16px 40px;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 600;
  transition: background 0.2s var(--ease), transform 0.15s var(--ease);
}
.closing .cta-btn:hover { background: var(--teal-dark); transform: translateY(-2px); }

/* ---------- FOOTER ---------- */
.site-footer {
  background: var(--ink);
  color: rgba(255,255,255,0.72);
  padding: 56px 24px 32px;
  font-size: 13.5px;
}
.footer-inner {
  max-width: var(--max);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
}
.site-footer h4 { font-family: 'Fraunces', Georgia, serif; color: #fff; font-size: 17px; margin-bottom: 12px; font-weight: 400; }
.site-footer p { font-weight: 300; line-height: 1.7; margin-bottom: 6px; }
.site-footer a { color: rgba(255,255,255,0.82); }
.site-footer a:hover { color: #fff; }
.site-footer ul { list-style: none; }
.site-footer ul li { margin-bottom: 8px; }
.footer-bottom {
  max-width: var(--max);
  margin: 40px auto 0;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.14);
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: space-between;
  font-size: 12px;
  color: rgba(255,255,255,0.55);
}
.footer-bottom a { color: rgba(255,255,255,0.7); }
.compliance-note {
  max-width: var(--max);
  margin: 16px auto 0;
  font-size: 11px;
  line-height: 1.6;
  color: rgba(255,255,255,0.42);
}

/* ---------- LEGAL DOC PAGES ---------- */
.legal {
  max-width: 760px;
  margin: 0 auto;
  padding: 64px 24px 80px;
}
.legal .overline { margin-bottom: 12px; }
.legal h1 { font-size: clamp(30px, 4vw, 42px); margin-bottom: 8px; }
.legal .updated { color: var(--muted); font-size: 13px; margin-bottom: 40px; }
.legal h2 { font-size: 22px; margin: 36px 0 12px; }
.legal h3 { font-size: 17px; margin: 24px 0 8px; font-family: 'Inter', sans-serif; font-weight: 600; }
.legal p, .legal li { color: var(--ink); font-weight: 300; line-height: 1.8; font-size: 15px; }
.legal p { margin-bottom: 16px; }
.legal ul, .legal ol { margin: 0 0 16px 22px; }
.legal li { margin-bottom: 8px; }
.legal .callout {
  background: var(--teal-soft);
  border-left: 3px solid var(--teal);
  border-radius: 8px;
  padding: 18px 22px;
  margin: 24px 0;
}
.legal .callout p { margin-bottom: 0; color: var(--teal-dark); font-weight: 400; }
.legal .back-link { display: inline-block; margin-top: 40px; font-weight: 500; }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-lead { max-width: 100%; }
  .how-grid { grid-template-columns: 1fr; gap: 20px; max-width: 460px; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 620px) {
  .hero { padding: 48px 20px 40px; }
  .form-card { padding: 28px 22px; }
  .how, .closing { padding: 60px 20px; }
}