/* ========================================================
   RAM FINCORP — shared design system
   Concept: a 1984-founded lender's paper ledger, digitised.
   Ink navy + brass on warm stone paper, Fraunces + Plex.
   ======================================================== */

:root{
  --ink:#14213D;
  --ink-soft:#3F4A68;
  --ink-faint:#7B84A0;
  --paper:#ECEAE0;
  --paper-deep:#E2DFD1;
  --paper-line:#D3CEBC;
  --white:#FBFAF6;
  --brass:#AD8A4E;
  --brass-deep:#8A6C38;
  --brass-pale:#F1E7D2;
  --approve:#2F6F4F;
  --approve-soft:#E4EEE7;
  --shadow-sm: 0 6px 18px -10px rgba(20,33,61,0.28);
  --shadow-lg: 0 22px 50px -20px rgba(20,33,61,0.38);
  --radius: 6px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  background:
    radial-gradient(1200px 500px at 85% -10%, rgba(173,138,78,0.10), transparent 60%),
    radial-gradient(900px 500px at -10% 10%, rgba(20,33,61,0.06), transparent 55%),
    var(--paper);
  color:var(--ink);
  font-family:'IBM Plex Sans', sans-serif;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{ font-family:'Fraunces', serif; margin:0; font-weight:600; letter-spacing:-0.01em; }
.mono{ font-family:'IBM Plex Mono', monospace; }
a{ color:inherit; }
img,svg{ display:block; }
:focus-visible{ outline:2px solid var(--brass-deep); outline-offset:3px; }

.ledger{ position:relative; padding-left:clamp(28px,6vw,64px); }
.ledger::before{
  content:""; position:absolute; left:clamp(14px,3.4vw,36px); top:0; bottom:0;
  width:1px; background:var(--brass); opacity:0.5;
}

/* ---------- header / nav ---------- */
header{
  position:sticky; top:0; z-index:50;
  background:rgba(236,234,224,0.86);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--paper-line);
}
.nav-wrap{
  max-width:1180px; margin:0 auto;
  display:flex; align-items:center; justify-content:space-between;
  padding:16px clamp(20px,4vw,40px);
}
.brand{ display:flex; align-items:baseline; gap:9px; text-decoration:none; }
.brand .word{ font-family:'Fraunces', serif; font-weight:600; font-size:1.18rem; color:var(--ink); }
.brand .tick{ color:var(--brass-deep); font-family:'IBM Plex Mono',monospace; font-size:0.66rem; letter-spacing:0.12em; }
nav.main ul{ list-style:none; display:flex; gap:clamp(12px,2.2vw,30px); margin:0; padding:0; }
nav.main a{ font-size:0.86rem; text-decoration:none; color:var(--ink-soft); border-bottom:1px solid transparent; padding-bottom:2px; transition:border-color .15s ease, color .15s ease;}
nav.main a:hover, nav.main a.active{ border-color:var(--brass); color:var(--ink); }
.nav-cta{ display:none; }
@media(min-width:760px){ .nav-cta{ display:inline-flex; } }
.nav-links{ display:none; }
@media(min-width:760px){ .nav-links{ display:flex; } }
.burger{ display:inline-flex; background:none; border:1px solid var(--paper-line); border-radius:4px; padding:8px 10px; cursor:pointer; }
@media(min-width:760px){ .burger{ display:none; } }
.mobile-panel{
  display:none; flex-direction:column; gap:2px;
  padding:6px clamp(20px,4vw,40px) 18px;
  border-top:1px solid var(--paper-line);
}
.mobile-panel.open{ display:flex; }
.mobile-panel a{ padding:10px 0; font-size:0.94rem; text-decoration:none; color:var(--ink-soft); border-bottom:1px solid var(--paper-line); }

/* ---------- buttons ---------- */
.btn{
  font-family:'IBM Plex Mono', monospace; font-size:0.8rem; letter-spacing:0.03em;
  text-decoration:none; display:inline-flex; align-items:center; gap:8px;
  padding:12px 22px; border-radius:3px; cursor:pointer;
  border:1px solid var(--ink); background:var(--ink); color:var(--white);
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover{ transform:translateY(-2px); box-shadow:var(--shadow-sm); }
.btn.ghost{ background:transparent; color:var(--ink); border-color:var(--ink); }
.btn.ghost:hover{ background:var(--ink); color:var(--white); }
.btn.brass{ background:var(--brass-deep); border-color:var(--brass-deep); }
.btn.brass:hover{ background:#7a5e2f; }
.btn svg{ width:14px; height:14px; }

section{ padding:clamp(52px,9vw,110px) clamp(20px,4vw,40px); }
.wrap{ max-width:1180px; margin:0 auto; }
.wrap-narrow{ max-width:760px; margin:0 auto; }

/* ---------- page banner (for inner pages) ---------- */
.page-banner{
  padding:clamp(70px,11vw,120px) clamp(20px,4vw,40px) clamp(40px,6vw,60px);
  border-bottom:1px solid var(--paper-line);
}
.page-banner .eyebrow{ margin-bottom:14px; }
.page-banner h1{ font-size:clamp(2rem,4.4vw,3rem); max-width:20ch; }
.page-banner p{ max-width:56ch; color:var(--ink-soft); margin-top:16px; font-size:1.02rem; }

.eyebrow{
  font-family:'IBM Plex Mono', monospace; font-size:0.74rem; letter-spacing:0.14em;
  text-transform:uppercase; color:var(--brass-deep);
  display:flex; align-items:center; gap:10px;
}
.eyebrow::before{ content:"§"; font-family:'Fraunces',serif; font-style:italic; }

/* ---------- section headers ---------- */
.section-head{
  display:flex; justify-content:space-between; align-items:flex-end;
  gap:24px; flex-wrap:wrap; margin-bottom:clamp(32px,5vw,52px);
}
.section-head h2{ font-size:clamp(1.7rem,3.4vw,2.5rem); max-width:15ch; }
.section-head p{ max-width:38ch; color:var(--ink-soft); font-size:0.96rem; }

/* ---------- reveal-on-scroll ---------- */
.reveal{ opacity:0; transform:translateY(16px); transition:opacity .6s ease, transform .6s ease; }
.reveal.in{ opacity:1; transform:translateY(0); }
@media (prefers-reduced-motion: reduce){
  .reveal{ opacity:1; transform:none; transition:none; }
  html{ scroll-behavior:auto; }
}

/* ---------- icon chip ---------- */
.icon-chip{
  width:42px; height:42px; border-radius:50%;
  border:1px solid var(--brass); display:flex; align-items:center; justify-content:center;
  color:var(--brass-deep); flex-shrink:0;
  background:var(--brass-pale);
}
.icon-chip svg{ width:20px; height:20px; }

/* ---------- stat row ---------- */
.stat-row{ display:grid; grid-template-columns:repeat(auto-fit,minmax(150px,1fr)); border-top:1px solid var(--paper-line); }
.stat{ padding:22px 4px 0; border-right:1px solid var(--paper-line); }
.stat:last-child{ border-right:none; }
.stat .num{ font-family:'Fraunces',serif; font-weight:600; font-size:clamp(1.5rem,3vw,2.1rem); }
.stat .label{ font-size:0.76rem; color:var(--ink-soft); margin-top:4px; font-family:'IBM Plex Mono',monospace; }

/* ---------- cards ---------- */
.card-grid{ display:grid; grid-template-columns:repeat(auto-fit,minmax(240px,1fr)); gap:1px; background:var(--paper-line); border:1px solid var(--paper-line); border-radius:var(--radius); overflow:hidden; }
.card{ background:var(--white); padding:clamp(24px,3vw,32px); transition:background .2s ease; }
.card:hover{ background:var(--brass-pale); }
.card .idx{ font-family:'IBM Plex Mono',monospace; font-size:0.75rem; color:var(--brass-deep); margin-bottom:16px; display:block; }
.card h3{ font-size:1.15rem; margin-bottom:10px; }
.card p{ color:var(--ink-soft); font-size:0.9rem; margin:0; }

/* ---------- calculator ---------- */
.calc-panel{
  background:var(--white); border:1px solid var(--paper-line); border-radius:var(--radius);
  padding:clamp(24px,4vw,44px); box-shadow:var(--shadow-lg);
  display:grid; grid-template-columns:1.1fr 0.9fr; gap:clamp(28px,4vw,50px);
}
@media(max-width:860px){ .calc-panel{ grid-template-columns:1fr; } }
.calc-row{ margin-bottom:26px; }
.calc-row label{ display:flex; justify-content:space-between; font-size:0.85rem; color:var(--ink-soft); margin-bottom:10px; }
.calc-row label .val{ font-family:'IBM Plex Mono',monospace; color:var(--ink); font-weight:500; }
input[type=range]{ -webkit-appearance:none; width:100%; height:2px; background:var(--paper-line); border-radius:2px; outline:none; }
input[type=range]::-webkit-slider-thumb{ -webkit-appearance:none; width:16px; height:16px; border-radius:50%; background:var(--brass-deep); border:3px solid var(--white); box-shadow:0 0 0 1px var(--brass-deep); cursor:pointer; margin-top:-7px; }
input[type=range]::-moz-range-thumb{ width:14px; height:14px; border-radius:50%; background:var(--brass-deep); border:3px solid var(--white); box-shadow:0 0 0 1px var(--brass-deep); cursor:pointer; }
.ledger-ticket{ background:var(--paper); border:1px dashed var(--brass); border-radius:3px; padding:26px; position:relative; overflow:hidden; }
.ledger-ticket .line{ display:flex; justify-content:space-between; font-size:0.82rem; color:var(--ink-soft); padding:8px 0; border-bottom:1px dotted var(--paper-line); }
.ledger-ticket .line:last-of-type{ border-bottom:none; }
.ledger-ticket .line .v{ font-family:'IBM Plex Mono',monospace; color:var(--ink); font-weight:500; }
.emi-total{ margin-top:16px; display:flex; align-items:baseline; justify-content:space-between; }
.emi-total .num{ font-family:'Fraunces',serif; font-weight:600; font-size:clamp(1.8rem,3.4vw,2.4rem); }
.emi-total .lbl{ font-size:0.78rem; color:var(--ink-soft); font-family:'IBM Plex Mono',monospace; }
.stamp{
  position:absolute; top:14px; right:14px; width:78px; height:78px;
  border:2px solid var(--approve); border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  transform:rotate(-14deg) scale(0.85); opacity:0;
  transition:opacity .4s ease, transform .4s ease;
  color:var(--approve); font-family:'IBM Plex Mono',monospace; font-size:0.6rem;
  letter-spacing:0.06em; text-align:center; text-transform:uppercase; line-height:1.15;
  pointer-events:none;
}
.stamp.show{ opacity:0.9; transform:rotate(-14deg) scale(1); }
.stamp::before{ content:""; position:absolute; inset:6px; border:1px solid var(--approve); border-radius:50%; }

/* ---------- process steps ---------- */
.step{ display:grid; grid-template-columns:64px 1fr; gap:20px; padding:22px 0; border-bottom:1px solid var(--paper-line); }
.step:first-child{ border-top:1px solid var(--paper-line); }
.step .num{ font-family:'Fraunces',serif; font-weight:600; font-style:italic; color:var(--brass-deep); font-size:1.6rem; }
.step h3{ font-size:1.05rem; margin-bottom:6px; }
.step p{ margin:0; color:var(--ink-soft); font-size:0.9rem; max-width:56ch; }

/* ---------- trust panel ---------- */
.trust-panel{
  background:linear-gradient(160deg,#182849,var(--ink) 60%); color:var(--white);
  border-radius:var(--radius); padding:clamp(28px,4vw,48px);
  display:grid; grid-template-columns:1fr 1fr; gap:clamp(24px,4vw,40px);
}
@media(max-width:800px){ .trust-panel{ grid-template-columns:1fr; } }
.trust-panel h2{ color:var(--white); font-size:clamp(1.5rem,3vw,2rem); max-width:16ch; }
.trust-panel p{ color:#C7CCDA; font-size:0.92rem; }
.trust-list{ list-style:none; margin:20px 0 0; padding:0; }
.trust-list li{ display:flex; gap:14px; padding:12px 0; border-top:1px solid rgba(255,255,255,0.12); font-size:0.9rem; color:#DDE1EA; align-items:flex-start; }
.trust-list .icon-chip{ background:rgba(255,255,255,0.08); border-color:rgba(173,138,78,0.7); }

/* ---------- testimonials ---------- */
.quote-row{ display:grid; grid-template-columns:repeat(auto-fit,minmax(260px,1fr)); gap:22px; }
.quote-card{ background:var(--white); border:1px solid var(--paper-line); border-radius:var(--radius); padding:26px; box-shadow:var(--shadow-sm); }
.quote-card .mark{ font-family:'Fraunces',serif; font-style:italic; color:var(--brass); font-size:2rem; line-height:1; }
.quote-card p.q{ margin:10px 0 18px; font-size:0.95rem; color:var(--ink); }
.quote-card .who{ font-size:0.78rem; color:var(--ink-soft); font-family:'IBM Plex Mono',monospace; }

/* ---------- prose (legal pages) ---------- */
.prose h2{ font-size:1.35rem; margin:44px 0 14px; }
.prose h2:first-child{ margin-top:0; }
.prose h3{ font-size:1.05rem; margin:26px 0 8px; }
.prose p{ color:var(--ink-soft); margin:0 0 14px; font-size:0.98rem; }
.prose ul{ color:var(--ink-soft); font-size:0.98rem; padding-left:20px; margin:0 0 14px; }
.prose li{ margin-bottom:8px; }
.prose strong{ color:var(--ink); }
.toc{
  border:1px solid var(--paper-line); background:var(--white); border-radius:var(--radius);
  padding:22px 26px; margin-bottom:40px;
}
.toc .eyebrow{ margin-bottom:12px; }
.toc ol{ margin:0; padding-left:18px; columns:2; column-gap:28px; }
.toc li{ font-size:0.9rem; margin-bottom:8px; break-inside:avoid; }
.toc a{ text-decoration:none; color:var(--ink-soft); }
.toc a:hover{ color:var(--brass-deep); }
@media(max-width:600px){ .toc ol{ columns:1; } }

/* ---------- contact ---------- */
.contact-grid{ display:grid; grid-template-columns:1fr 1.1fr; gap:clamp(30px,5vw,60px); }
@media(max-width:860px){ .contact-grid{ grid-template-columns:1fr; } }
.contact-detail{ display:flex; gap:16px; padding:16px 0; border-top:1px solid var(--paper-line); }
.contact-detail:last-child{ border-bottom:1px solid var(--paper-line); }
.contact-detail h4{ font-family:'IBM Plex Mono',monospace; font-size:0.76rem; letter-spacing:0.06em; text-transform:uppercase; color:var(--brass-deep); margin-bottom:6px; }
.contact-detail p{ margin:0; color:var(--ink-soft); font-size:0.94rem; }
.field{ margin-bottom:18px; }
.field label{ display:block; font-size:0.82rem; color:var(--ink-soft); margin-bottom:8px; font-family:'IBM Plex Mono',monospace; }
.field input, .field select, .field textarea{
  width:100%; padding:12px 14px; border:1px solid var(--paper-line); border-radius:3px;
  background:var(--white); font-family:'IBM Plex Sans',sans-serif; font-size:0.94rem; color:var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{ outline:none; border-color:var(--brass-deep); }
.field-row{ display:grid; grid-template-columns:1fr 1fr; gap:16px; }
@media(max-width:520px){ .field-row{ grid-template-columns:1fr; } }
.form-note{ font-size:0.8rem; color:var(--ink-faint); margin-top:14px; }

/* ---------- footer ---------- */
footer{ border-top:1px solid var(--paper-line); padding:clamp(36px,5vw,56px) clamp(20px,4vw,40px) 30px; }
.footer-grid{ max-width:1180px; margin:0 auto; display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:32px; }
@media(max-width:800px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:520px){ .footer-grid{ grid-template-columns:1fr; } }
footer h4{ font-family:'IBM Plex Mono',monospace; font-size:0.78rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--brass-deep); margin-bottom:14px; }
footer p, footer a{ font-size:0.86rem; color:var(--ink-soft); text-decoration:none; display:block; margin-bottom:9px; }
footer a:hover{ color:var(--brass-deep); }
.fine{
  max-width:1180px; margin:26px auto 0; padding-top:20px; border-top:1px solid var(--paper-line);
  font-size:0.76rem; color:var(--ink-faint); display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px;
}
.managed-by{
  max-width:1180px; margin:14px auto 0; padding-top:14px; border-top:1px dotted var(--paper-line);
  font-size:0.76rem; color:var(--ink-faint);
}
.managed-by strong{ color:var(--ink-soft); }