/* Credora Holdings — corporate site styles. Neutral professional theme.
   No external fonts or trackers (privacy + performance). */

:root {
  --navy: #0f2138;
  --navy-2: #16304f;
  --slate: #52627a;
  --ink: #1a2432;
  --gold: #9a7b43;      /* accent — used only for large text, borders, rules */
  --gold-soft: #c9a86a;
  --bg: #ffffff;
  --bg-alt: #f4f6f9;
  --line: #e2e8f0;
  --focus: #1d6fb8;
  --maxw: 1100px;
  --radius: 10px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 { line-height: 1.2; color: var(--navy); font-weight: 700; }
h1 { font-size: clamp(1.9rem, 4vw, 2.9rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); margin-top: 0; }
h3 { font-size: 1.15rem; }

p { margin: 0 0 1rem; max-width: 68ch; }

a { color: var(--navy-2); text-underline-offset: 3px; }
a:hover { color: var(--gold); }

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

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* Skip link */
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--navy); color: #fff; padding: 10px 16px; z-index: 100;
  border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; color: #fff; }

/* Header / nav */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.96);
  backdrop-filter: saturate(180%) blur(6px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 20px; max-width: var(--maxw); margin: 0 auto;
}
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { display: block; height: 38px; width: auto; }
.brand .brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand .brand-name { font-weight: 700; color: var(--navy); font-size: 1.05rem; letter-spacing: 0.01em; }
.brand .brand-sub { font-size: 0.72rem; color: var(--slate); letter-spacing: 0.08em; text-transform: uppercase; }

.nav-toggle {
  display: none;
  background: transparent; border: 1px solid var(--line); border-radius: 8px;
  padding: 8px 10px; cursor: pointer; color: var(--navy); font-size: 0.95rem;
}
.site-nav ul { list-style: none; display: flex; gap: 6px; margin: 0; padding: 0; flex-wrap: wrap; }
.site-nav a {
  display: inline-block; padding: 8px 12px; text-decoration: none; color: var(--ink);
  border-radius: 8px; font-weight: 500; font-size: 0.98rem;
}
.site-nav a:hover { background: var(--bg-alt); color: var(--navy); }
.site-nav a[aria-current="page"] { color: var(--navy); box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #eaf0f7;
  padding: clamp(3rem, 8vw, 6rem) 0;
}
.hero h1 { color: #ffffff; margin: 0 0 1rem; }
.hero .lede { font-size: 1.2rem; color: #cdd8e6; max-width: 60ch; }
.hero .kicker {
  display: inline-block; font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold-soft); margin-bottom: 1rem; font-weight: 600;
}
.hero .actions { margin-top: 1.8rem; display: flex; gap: 12px; flex-wrap: wrap; }

.btn {
  display: inline-block; padding: 12px 22px; border-radius: 8px; text-decoration: none;
  font-weight: 600; font-size: 0.98rem; border: 1px solid transparent;
}
.btn-primary { background: var(--gold); color: #fff; }
.btn-primary:hover { background: var(--gold-soft); color: #22160a; }
.btn-ghost { border-color: rgba(255,255,255,0.4); color: #fff; }
.btn-ghost:hover { border-color: #fff; color: #fff; background: rgba(255,255,255,0.08); }

/* Sections */
main { display: block; }
.section { padding: clamp(2.5rem, 6vw, 4.5rem) 0; }
.section.alt { background: var(--bg-alt); }
.section-head { max-width: 62ch; margin-bottom: 2rem; }
.section-head .kicker {
  display: block; font-size: 0.76rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold); font-weight: 700; margin-bottom: 0.6rem;
}

.lead { font-size: 1.15rem; color: var(--slate); }

/* Cards / grid */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.card {
  background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: 0 1px 2px rgba(15,33,56,0.04);
}
.card h3 { margin-top: 0; }
.card .tag {
  display: inline-block; font-size: 0.74rem; font-weight: 700; letter-spacing: 0.04em;
  text-transform: uppercase; color: var(--navy-2); background: #e8eef6;
  padding: 4px 10px; border-radius: 999px; margin-bottom: 12px;
}

/* Definition-style fact list */
.facts { border-top: 1px solid var(--line); margin-top: 1rem; }
.facts div {
  display: grid; grid-template-columns: 220px 1fr; gap: 16px;
  padding: 14px 0; border-bottom: 1px solid var(--line);
}
.facts dt { font-weight: 600; color: var(--navy); margin: 0; }
.facts dd { margin: 0; color: var(--ink); }

/* Placeholder token styling */
.placeholder {
  font-style: italic; color: #8a5a00; background: #fff5e0;
  padding: 1px 7px; border-radius: 5px; border: 1px dashed #d8b26b; font-size: 0.95em;
}

/* Callout / notice */
.notice {
  border-left: 4px solid var(--gold); background: var(--bg-alt);
  padding: 16px 20px; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.5rem 0;
}
.notice strong { color: var(--navy); }

/* Contact blocks */
.contact-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 32px; }
.contact-line { margin: 0 0 0.4rem; }
.contact-line .lbl { display: block; font-size: 0.76rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--slate); }

/* Footer */
.site-footer { background: var(--navy); color: #c7d2e0; padding: 48px 0 28px; }
.site-footer a { color: #eaf0f7; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px; margin-bottom: 28px; }
.site-footer h4 { color: #fff; font-size: 0.8rem; letter-spacing: 0.1em; text-transform: uppercase; margin: 0 0 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.14); padding-top: 20px;
  font-size: 0.86rem; color: #9fb0c4;
}
.footer-legal .disclaimer { max-width: 90ch; margin: 0 0 10px; }

/* Forms */
.contact-form { max-width: 640px; margin-top: 1.5rem; }
.contact-form .field { margin-bottom: 1.1rem; }
.contact-form label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 6px; font-size: 0.95rem; }
.contact-form input[type="text"],
.contact-form input[type="email"],
.contact-form textarea {
  width: 100%; padding: 11px 13px; border: 1px solid var(--line); border-radius: 8px;
  font: inherit; color: var(--ink); background: #fff;
}
.contact-form input:focus, .contact-form textarea:focus {
  outline: none; border-color: var(--navy-2); box-shadow: 0 0 0 3px rgba(29,111,184,0.15);
}
.contact-form textarea { resize: vertical; }
.contact-form .field-check { display: flex; gap: 10px; align-items: flex-start; }
.contact-form .field-check input { margin-top: 5px; flex: 0 0 auto; }
.contact-form .field-check label { font-weight: 400; font-size: 0.9rem; color: var(--slate); margin: 0; }
.contact-form button { margin-top: 0.4rem; cursor: pointer; border: none; }
.form-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* Legal / prose page */
.prose h2 { margin-top: 2rem; }
.prose h3 { margin-top: 1.4rem; }
.prose ul { max-width: 68ch; padding-left: 1.2rem; }
.prose li { margin-bottom: 0.4rem; }
.prose .muted { color: var(--slate); font-size: 0.92rem; }

/* Responsive */
@media (max-width: 820px) {
  .grid-2, .grid-3, .contact-grid, .footer-grid { grid-template-columns: 1fr; }
  .facts div { grid-template-columns: 1fr; gap: 2px; }
}

@media (max-width: 640px) {
  /* Progressive enhancement: JS collapses nav; without JS it stays visible. */
  body.js .nav-toggle { display: inline-block; }
  body.js .site-nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    background: #fff; border-bottom: 1px solid var(--line); padding: 10px 20px;
  }
  body.js .site-nav.open { display: block; }
  body.js .site-nav ul { flex-direction: column; gap: 2px; }
  .header-inner { position: relative; flex-wrap: wrap; }
}