/* Nha Viet Lending — brand site
   Palette: espresso #241812, bronze #B98A44, gold #D8B26A, cream #FAF5EC, ivory #FFFCF7 */

:root {
  --espresso: #241812;
  --espresso-2: #322318;
  --bronze: #B98A44;
  --gold: #D8B26A;
  --gold-soft: #EDD9B4;
  --cream: #FAF5EC;
  --ivory: #FFFCF7;
  --ink: #2B211A;
  --muted: #7A6A5B;
  --line: #E7DBC8;
  --radius: 18px;
  --shadow: 0 20px 60px rgba(43, 26, 12, 0.10);
  --shadow-sm: 0 8px 24px rgba(43, 26, 12, 0.08);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Manrope', -apple-system, 'Segoe UI', sans-serif;
  background: var(--cream);
  color: var(--ink);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

h1, h2, h3, .display {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  color: var(--espresso);
  line-height: 1.15;
  letter-spacing: -0.01em;
}

.container { width: min(1160px, 92%); margin: 0 auto; }

/* Nav */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 245, 236, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 0; gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-logo { width: 44px; height: 44px; border-radius: 12px; object-fit: cover; border: 1px solid var(--gold-soft); }
.brand-name { font-family: 'Fraunces', serif; font-size: 1.15rem; font-weight: 700; color: var(--espresso); letter-spacing: 0.06em; }
.brand-name small { display: block; font-family: 'Manrope', sans-serif; font-size: 0.62rem; font-weight: 700; letter-spacing: 0.28em; color: var(--bronze); text-transform: uppercase; }
.nav-links { display: flex; gap: 28px; align-items: center; list-style: none; }
.nav-links a { text-decoration: none; color: var(--ink); font-size: 0.95rem; font-weight: 600; transition: color .2s; }
.nav-links a:hover { color: var(--bronze); }
.lang-toggle {
  font-size: 0.82rem; font-weight: 700; letter-spacing: 0.06em;
  border: 1.5px solid var(--bronze); color: var(--bronze);
  padding: 7px 14px; border-radius: 999px; text-decoration: none;
  transition: all .2s;
}
.lang-toggle:hover { background: var(--bronze); color: var(--ivory); }
.nav-cta {
  background: var(--espresso); color: var(--ivory); text-decoration: none;
  padding: 11px 22px; border-radius: 999px; font-size: 0.9rem; font-weight: 700;
  transition: transform .2s, box-shadow .2s;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: var(--shadow-sm); }

/* Hero */
.hero { position: relative; overflow: hidden; padding: 84px 0 96px; }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(720px 420px at 85% 10%, rgba(216, 178, 106, 0.16), transparent 65%),
    radial-gradient(560px 380px at 5% 90%, rgba(185, 138, 68, 0.10), transparent 60%);
  pointer-events: none;
}
.hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 64px; align-items: center; position: relative; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.75rem; font-weight: 800; letter-spacing: 0.3em; text-transform: uppercase;
  color: var(--bronze); margin-bottom: 22px;
}

.hero h1 { font-size: clamp(2.6rem, 5.2vw, 4.1rem); margin-bottom: 18px; }
.hero h1 em { font-style: italic; font-weight: 500; }
.hero .tagline-gloss { font-family: 'Fraunces', serif; font-style: italic; font-size: 1.15rem; color: var(--muted); margin-bottom: 20px; }
.hero p.lede { font-size: 1.12rem; color: var(--ink); max-width: 54ch; margin-bottom: 34px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 38px; }
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 15px 30px; border-radius: 999px; text-decoration: none;
  font-weight: 700; font-size: 1rem; transition: transform .2s, box-shadow .2s, background .2s;
}
.btn-gold { background: linear-gradient(135deg, var(--bronze), var(--gold)); color: #2A1B0C; box-shadow: 0 10px 30px rgba(185, 138, 68, 0.35); }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 16px 40px rgba(185, 138, 68, 0.45); }
.btn-outline { border: 1.5px solid var(--espresso); color: var(--espresso); background: transparent; }
.btn-outline:hover { background: var(--espresso); color: var(--ivory); }
.trust-chips { display: flex; gap: 12px; flex-wrap: wrap; }
.chip {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--ivory); border: 1px solid var(--line); border-radius: 999px;
  padding: 8px 16px; font-size: 0.82rem; font-weight: 700; color: var(--espresso-2);
}
.chip svg { width: 15px; height: 15px; color: var(--bronze); flex: none; }

.hero-photo { position: relative; }
.hero-photo img {
  width: 100%; border-radius: 24px; box-shadow: var(--shadow);
  border: 6px solid var(--ivory);
}
.hero-photo::after {
  content: ""; position: absolute; inset: -18px -18px 18px 18px;
  border: 1.5px solid var(--gold-soft); border-radius: 28px; z-index: -1;
}
.photo-caption {
  margin-top: 14px; text-align: center;
  font-family: 'Fraunces', serif; font-style: italic; font-size: 0.95rem; color: var(--muted);
}

/* Sections */
section { padding: 88px 0; }
.section-head { max-width: 640px; margin-bottom: 52px; }
.section-head .eyebrow { margin-bottom: 16px; }
.section-head h2 { font-size: clamp(1.9rem, 3.4vw, 2.7rem); margin-bottom: 14px; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

/* Services */
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.service {
  background: var(--ivory); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 34px 28px; transition: transform .25s, box-shadow .25s;
}
.service:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.service .icon {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(135deg, rgba(185,138,68,0.14), rgba(216,178,106,0.22));
  margin-bottom: 22px;
}
.service .icon svg { width: 26px; height: 26px; color: var(--bronze); }
.service h3 { font-size: 1.28rem; margin-bottom: 10px; }
.service p { color: var(--muted); font-size: 0.95rem; }

/* Process (dark band) */
.band { background: var(--espresso); color: var(--gold-soft); }
.band .section-head h2 { color: var(--ivory); }
.band .section-head p { color: rgba(237, 217, 180, 0.75); }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.step {
  background: rgba(255, 252, 247, 0.05); border: 1px solid rgba(216, 178, 106, 0.22);
  border-radius: var(--radius); padding: 32px 26px; position: relative;
}
.step-num {
  font-family: 'Fraunces', serif; font-size: 2.6rem; font-weight: 600; font-style: italic;
  color: var(--gold); line-height: 1; margin-bottom: 18px;
}
.step h3 { color: var(--ivory); font-size: 1.15rem; margin-bottom: 10px; }
.step p { color: rgba(237, 217, 180, 0.72); font-size: 0.92rem; }

/* About */
.about-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 64px; align-items: center; }
.about-photo { position: relative; }
.about-photo img { border-radius: 24px; box-shadow: var(--shadow); border: 6px solid var(--ivory); }
.about-copy h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-bottom: 22px; }
.about-copy p { color: var(--ink); margin-bottom: 18px; font-size: 1.02rem; }
.about-facts { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 30px; }
.fact { background: var(--ivory); border: 1px solid var(--line); border-radius: 14px; padding: 16px 20px; }
.fact strong { display: block; font-family: 'Fraunces', serif; font-size: 1.35rem; color: var(--bronze); }
.fact span { font-size: 0.82rem; color: var(--muted); font-weight: 600; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 0.9fr; gap: 48px; align-items: start; }
.form-card {
  background: var(--ivory); border: 1px solid var(--line); border-radius: 24px;
  padding: 42px; box-shadow: var(--shadow-sm);
}
.form-card h3 { font-size: 1.5rem; margin-bottom: 6px; }
.form-card > p { color: var(--muted); font-size: 0.95rem; margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-size: 0.82rem; font-weight: 800; letter-spacing: 0.04em; color: var(--espresso-2); margin-bottom: 7px; }
.field input, .field select {
  width: 100%; padding: 13px 16px; border-radius: 12px;
  border: 1.5px solid var(--line); background: var(--cream);
  font-family: inherit; font-size: 0.98rem; color: var(--ink); outline: none;
  transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus { border-color: var(--bronze); box-shadow: 0 0 0 4px rgba(185, 138, 68, 0.12); }
.consent { display: flex; gap: 12px; align-items: flex-start; margin: 22px 0 26px; }
.consent input { margin-top: 3px; width: 17px; height: 17px; accent-color: var(--bronze); flex: none; }
.consent label { font-size: 0.83rem; color: var(--muted); line-height: 1.55; }
.btn-submit {
  width: 100%; padding: 16px; border: none; border-radius: 999px; cursor: pointer;
  background: linear-gradient(135deg, var(--bronze), var(--gold));
  color: #2A1B0C; font-family: inherit; font-size: 1.02rem; font-weight: 800;
  transition: transform .2s, box-shadow .2s;
}
.btn-submit:hover { transform: translateY(-2px); box-shadow: 0 14px 34px rgba(185, 138, 68, 0.4); }
.btn-submit:disabled { opacity: 0.6; cursor: wait; }
.form-success {
  display: none; text-align: center; padding: 40px 10px;
}
.form-success .check {
  width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%;
  background: linear-gradient(135deg, var(--bronze), var(--gold));
  display: grid; place-items: center;
}
.form-success .check svg { width: 30px; height: 30px; color: #fff; }
.form-success h4 { font-family: 'Fraunces', serif; font-size: 1.4rem; color: var(--espresso); margin-bottom: 8px; }
.form-success p { color: var(--muted); font-size: 0.95rem; }

.contact-aside .office-img { border-radius: 20px; box-shadow: var(--shadow-sm); margin-bottom: 26px; border: 5px solid var(--ivory); }
.contact-card {
  background: var(--ivory); border: 1px solid var(--line); border-radius: 20px; padding: 30px;
}
.contact-card h4 { font-family: 'Fraunces', serif; font-size: 1.2rem; margin-bottom: 16px; }
.contact-line { display: flex; gap: 14px; align-items: flex-start; padding: 12px 0; border-bottom: 1px solid var(--line); }
.contact-line:last-of-type { border-bottom: none; }
.contact-line svg { width: 19px; height: 19px; color: var(--bronze); flex: none; margin-top: 3px; }
.contact-line strong { display: block; font-size: 0.95rem; color: var(--espresso); }
.contact-line span { font-size: 0.86rem; color: var(--muted); }
.contact-line a { color: var(--espresso); text-decoration: none; font-weight: 700; }
.contact-line a:hover { color: var(--bronze); }

/* Footer */
.footer { background: var(--espresso); color: rgba(237, 217, 180, 0.8); padding: 64px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 48px; margin-bottom: 44px; }
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.footer-brand img { width: 46px; height: 46px; border-radius: 12px; object-fit: cover; border: 1px solid rgba(216,178,106,0.4); }
.footer-brand .name { font-family: 'Fraunces', serif; font-weight: 700; font-size: 1.1rem; color: var(--ivory); letter-spacing: 0.05em; }
.footer p { font-size: 0.9rem; }
.footer h5 { color: var(--ivory); font-size: 0.8rem; letter-spacing: 0.22em; text-transform: uppercase; margin-bottom: 16px; font-family: 'Manrope', sans-serif; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(237, 217, 180, 0.8); text-decoration: none; font-size: 0.9rem; }
.footer-links a:hover { color: var(--gold); }
.eho { display: flex; gap: 14px; align-items: center; margin-top: 22px; }
.eho svg { width: 40px; height: 40px; flex: none; }
.eho span { font-size: 0.72rem; letter-spacing: 0.08em; color: rgba(237, 217, 180, 0.85); font-weight: 700; }
.legal {
  border-top: 1px solid rgba(216, 178, 106, 0.18); padding-top: 28px;
  font-size: 0.78rem; color: rgba(237, 217, 180, 0.6); line-height: 1.7;
}
.legal p { margin-bottom: 10px; }
.legal .nmls-links a { color: var(--gold); text-decoration: none; font-weight: 700; }
.legal .nmls-links a:hover { text-decoration: underline; }

/* Reveal animation */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid, .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
}
@media (max-width: 600px) {
  .services-grid, .steps, .form-row, .about-facts { grid-template-columns: 1fr; }
  .hero { padding: 56px 0 72px; }
  section { padding: 64px 0; }
  .form-card { padding: 30px 24px; }
}

/* Service card imagery */
.service .service-img {
  width: calc(100% + 56px); margin: -34px -28px 22px; height: 180px;
  object-fit: cover; display: block;
  border-radius: var(--radius) var(--radius) 0 0;
}
@media (max-width: 720px) { .service .service-img { height: 150px; } }

/* About: local landmark photo pair */
.about-photo { display: grid; gap: 18px; }
.about-credit { font-size: 0.72rem; color: var(--muted); text-align: center; margin-top: -6px; letter-spacing: 0.02em; }
.about-photo img.stadium { border-radius: 24px; box-shadow: var(--shadow); border: 6px solid var(--ivory); }

/* ===== Mobile fixes (Oct 2026) ===== */

/* Sticky quick-contact bar, phones only */
.mobile-bar {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  background: var(--espresso);
  box-shadow: 0 -8px 24px rgba(43, 26, 12, 0.18);
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom, 0px));
  gap: 10px;
}
.mobile-bar a {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: 8px;
  color: var(--ivory); text-decoration: none; font-weight: 700; font-size: 0.92rem;
  border: 1px solid rgba(237, 217, 180, 0.28); border-radius: 999px; padding: 12px 8px;
}
.mobile-bar a svg { width: 17px; height: 17px; color: var(--gold); flex: none; }
.mobile-bar a.mobile-bar-cta {
  flex: 1.4; background: linear-gradient(135deg, var(--bronze), var(--gold)); color: #2A1B0C; border: none;
}

/* Nav behavior on smaller screens */
@media (max-width: 960px) {
  .nav-inner { padding: 12px 0; }
}
@media (max-width: 640px) {
  .nav-cta { display: none; }              /* hide pre-qual button in top bar */
  .brand-name small { letter-spacing: 0.18em; }
  .nav-inner { gap: 12px; }
  .hero { padding: 52px 0 64px; }
  .hero h1 { font-size: clamp(2.1rem, 9vw, 2.7rem); }
  .hero p.lede { font-size: 1.02rem; }
  .btn { padding: 13px 24px; font-size: 0.95rem; }
  .mobile-bar { display: flex; }
  body { padding-bottom: 72px; }          /* keep footer clear of the bar */
  .form-card { padding: 26px 18px; }
  .fact strong { font-size: 1.15rem; }
}

/* Reveal animation: respect reduced motion, show faster on small screens */
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1 !important; transform: none !important; transition: none; }
}
@media (max-width: 640px) {
  .reveal { transform: translateY(14px); transition: opacity .45s ease, transform .45s ease; }
}

/* Clickable office chip */
a.chip-link { text-decoration: none; cursor: pointer; transition: border-color .2s, background .2s, transform .2s; }
a.chip-link:hover { border-color: var(--bronze); background: #fff; transform: translateY(-1px); }
a.chip-link .chip-arrow { width: 13px; height: 13px; color: var(--bronze); margin-left: 2px; }