/* ============================================================
   KAAGAPAY LENDING — sample community lending site
   Theme: community / warm cream and green
   SAMPLE / PLACEHOLDER PROJECT · EulClavie web design demo
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; }
html, body, h1, h2, h3, h4, p, figure, blockquote, ul, ol, dl, dd { margin: 0; padding: 0; }
ul, ol { list-style: none; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; color: inherit; }
button { background: none; border: 0; cursor: pointer; }

:root {
  --cream: #FDFAF3;
  --sand: #F4EDE0;
  --green: #2E6E4E;
  --green-d: #1F4C36;
  --ink: #221F1A;
  --muted: #6A6459;
  --line: #E5DCCB;
  --sun: #E9A93D;
  --radius: 14px;
  --gutter: clamp(20px, 5vw, 76px);
  --max: 1240px;
  --bar-h: 30px;
  --ease: cubic-bezier(.16, 1, .3, 1);
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: "Nunito Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  font-weight: 400;
  color: var(--ink); background: var(--cream);
  padding-top: var(--bar-h);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
::selection { background: var(--green); color: #fff; }

.wrap { width: 100%; max-width: var(--max); margin-inline: auto; padding-inline: var(--gutter); }
h1, h2, h3 { font-family: "Nunito Sans", -apple-system, sans-serif; font-weight: 800; line-height: 1.1; letter-spacing: -.03em;  }
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.8rem); }
h3 { font-size: 1.2rem; }
.eyebrow { font-size: 11.5px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--green); }
.lead { color: var(--muted); font-size: 17px; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 28px; border-radius: 999px;
  font-size: 14.5px; font-weight: 700;
  letter-spacing: .01em; 
  background: var(--green); color: #fff;
  transition: background-color .3s var(--ease), color .3s var(--ease), transform .3s var(--ease);
}
.btn:hover { background: var(--green-d); transform: translateY(-2px); }
.btn--ghost { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn--ghost:hover { background: var(--sand); }

/* ---------- sample warning bar ---------- */
.sample-bar {
  position: fixed; inset: 0 0 auto 0; z-index: 200; height: var(--bar-h);
  display: flex; align-items: center; justify-content: center; gap: 14px;
  background: var(--green-d); color: #FDFAF3;
  font-family: "Nunito Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
  font-size: 9.5px; font-weight: 700; letter-spacing: .2em; text-transform: uppercase;
  padding-inline: 14px; text-align: center;
}
.sample-bar .dim { color: rgba(253,250,243,.6); }
@media (max-width: 720px) { .sample-bar { font-size: 8.5px; letter-spacing: .14em; } .sample-bar .dim { display: none; } }

/* ---------- nav ---------- */
.nav {
  position: fixed; top: var(--bar-h); left: 0; right: 0; z-index: 150;
  background: rgba(253,250,243,.9);
  -webkit-backdrop-filter: blur(13px); backdrop-filter: blur(13px);
  border-bottom: 1px solid transparent;
  transition: border-color .4s var(--ease), background-color .4s var(--ease);
}
.nav.is-solid { border-bottom-color: var(--line); background: rgba(253,250,243,.98); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 74px; }
.nav__links { display: flex; align-items: center; gap: 30px; }
.nav__links a { font-size: 14px; font-weight: 500; color: var(--muted); transition: color .25s;  }
.nav__links a:hover { color: var(--ink); }
.nav__toggle { display: none; width: 36px; height: 36px; position: relative; }
.nav__toggle i { position: absolute; left: 7px; right: 7px; height: 2px; background: var(--ink); transition: transform .35s var(--ease); }
.nav__toggle i:nth-child(1) { top: 14px; }
.nav__toggle i:nth-child(2) { top: 21px; }
body.menu-open .nav__toggle i:nth-child(1) { transform: translateY(3.5px) rotate(45deg); }
body.menu-open .nav__toggle i:nth-child(2) { transform: translateY(-3.5px) rotate(-45deg); }
@media (max-width: 960px) { .nav__links { display: none; } .nav__toggle { display: block; } }
@media (max-width: 540px) { .nav__inner > .btn { display: none; } }

.menu {
  position: fixed; inset: calc(var(--bar-h) + 74px) 0 0 0; z-index: 140;
  background: var(--cream); padding: 26px var(--gutter) 40px;
  display: flex; flex-direction: column; gap: 2px;
  opacity: 0; visibility: hidden; transform: translateY(-10px);
  transition: opacity .35s var(--ease), transform .35s var(--ease), visibility .35s;
}
body.menu-open .menu { opacity: 1; visibility: visible; transform: none; }
body.menu-open { overflow: hidden; }
.menu a { font-family: "Nunito Sans", -apple-system, sans-serif; font-weight: 800; font-size: 1.7rem;  padding-block: 12px; border-bottom: 1px solid var(--line); }
.menu .btn { margin-top: 22px; }

/* ---------- sections ---------- */
.section { padding-block: clamp(58px, 8vw, 116px); }
.sechead { max-width: 660px; }
.sechead h2 { margin-top: 12px; }
.sechead p { margin-top: 14px; color: var(--muted); }
.sechead--center { margin-inline: auto; text-align: center; }
.sechead--split { max-width: none; display: flex; align-items: end; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.sechead--split p { max-width: 40ch; margin-top: 0; }

/* ---------- sample notice ---------- */
.notice {
  border: 1px dashed var(--line); background: var(--sand);
  border-radius: var(--radius); padding: clamp(20px, 3vw, 32px);
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 2.4fr); gap: clamp(14px, 3vw, 36px);
}
.notice b { font-size: 11.5px; letter-spacing: .18em; text-transform: uppercase; color: var(--green); }
.notice p { font-size: 13.5px; color: var(--muted); max-width: 64ch; }
.notice p + p { margin-top: 8px; }
@media (max-width: 760px) { .notice { grid-template-columns: 1fr; } }

/* ---------- footer ---------- */
.foot { background: var(--green-d); color: #FDFAF3; margin-top: clamp(40px, 6vw, 80px); padding-block: clamp(44px, 5vw, 76px); }
.foot__top { display: grid; grid-template-columns: minmax(0, 1.5fr) repeat(3, minmax(0, 1fr)); gap: clamp(24px, 3vw, 46px); }
.foot__brand p { margin-top: 14px; font-size: 14px; color: rgba(253,250,243,.62); max-width: 32ch; }
.foot h4 { font-family: "Nunito Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif; font-size: 11.5px; letter-spacing: .18em; text-transform: uppercase; color: rgba(253,250,243,.62); margin-bottom: 14px; font-weight: 700; }
.foot li + li { margin-top: 8px; }
.foot li, .foot a { font-size: 14.5px; }
.foot a:hover { color: var(--sun); }
.foot__bottom { margin-top: clamp(32px, 4vw, 54px); padding-top: 20px; border-top: 1px solid rgba(253,250,243,.18); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px 24px; font-size: 12.5px; color: rgba(253,250,243,.62); }
@media (max-width: 820px) { .foot__top { grid-template-columns: repeat(2, 1fr); } .foot__brand { grid-column: 1 / -1; } }

/* ---------- reveal + page transition ---------- */
.rv { opacity: 0; transform: translateY(20px); }
.is-ready .rv { transition: opacity .75s var(--ease), transform .75s var(--ease); transition-delay: var(--d, 0s); }
.rv.in { opacity: 1; transform: none; }
.page { opacity: 0; transition: opacity .4s ease; }
.page.is-visible { opacity: 1; }
.page.is-leaving { opacity: 0; transition-duration: .25s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
  .rv { opacity: 1; transform: none; }
  .page { opacity: 1; }
}


.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 21px; letter-spacing: -.04em; }
.brand i { width: 16px; height: 16px; border-radius: 50%; background: var(--sun); display: block; box-shadow: inset 0 0 0 4px var(--green); }

/* hero */
.hero { padding-top: clamp(100px, 12vw, 136px); padding-bottom: clamp(40px, 6vw, 76px); background: linear-gradient(180deg, var(--sand), var(--cream) 78%); }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(28px, 4vw, 58px); align-items: center; }
.hero h1 { margin-top: 16px; }
.hero .lead { margin-top: 18px; max-width: 42ch; }
.hero__cta { margin-top: 28px; display: flex; flex-wrap: wrap; gap: 12px; }
.hero__note { margin-top: 20px; font-size: 14.5px; color: var(--muted); }
.hero__media img { width: 100%; aspect-ratio: 4 / 3.4; object-fit: cover; border-radius: 30px 120px 30px 30px; }
@media (max-width: 900px) { .hero__grid { grid-template-columns: 1fr; } .hero__media { order: -1; } }

/* numbers */
.nums { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: clamp(16px, 3vw, 34px); margin-top: clamp(36px, 5vw, 60px); background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(22px, 3vw, 34px); }
.nums b { display: block; font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 800; letter-spacing: -.04em; color: var(--green); }
.nums span { font-size: 13.5px; color: var(--muted); }
@media (max-width: 760px) { .nums { grid-template-columns: repeat(2, 1fr); } }

/* loans */
.loans { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-top: clamp(30px, 4vw, 50px); }
.loan { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; }
.loan img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; }
.loan__body { padding: clamp(20px, 2.4vw, 28px); display: flex; flex-direction: column; flex: 1; }
.loan h3 { margin-bottom: 8px; }
.loan p { font-size: 14.5px; color: var(--muted); }
.loan dl { margin-top: 18px; margin-bottom: 22px; }
.loan dl div { display: flex; justify-content: space-between; gap: 14px; padding-block: 8px; border-top: 1px solid var(--line); font-size: 14.5px; }
.loan dt { color: var(--muted); }
.loan .btn { margin-top: auto; }
@media (max-width: 900px) { .loans { grid-template-columns: 1fr; } }

/* steps */
.stepsrow { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: clamp(18px, 3vw, 34px); margin-top: clamp(30px, 4vw, 50px); }
.stepsrow div b { display: block; margin-top: 12px; font-size: 17px; }
.stepsrow div p { margin-top: 6px; font-size: 14.5px; color: var(--muted); }
.stepn { width: 42px; height: 42px; border-radius: 50%; background: var(--green); color: #fff; display: grid; place-items: center; font-weight: 800; }
@media (max-width: 860px) { .stepsrow { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .stepsrow { grid-template-columns: 1fr; } }

/* stories */
.stories { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-top: clamp(30px, 4vw, 50px); }
.story { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(20px, 2.4vw, 28px); }
.story img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; }
.story p { margin-top: 16px; font-size: 15px; }
.story footer { margin-top: 14px; font-size: 13.5px; color: var(--muted); }
@media (max-width: 900px) { .stories { grid-template-columns: 1fr; } }

/* branches + cta */
.branches { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; margin-top: clamp(26px, 4vw, 44px); }
.branch { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.branch b { display: block; font-size: 15.5px; }
.branch span { display: block; margin-top: 6px; font-size: 14px; color: var(--muted); }
@media (max-width: 900px) { .branches { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .branches { grid-template-columns: 1fr; } }
.ctaband { background: var(--green); color: #fff; border-radius: calc(var(--radius) + 6px); padding: clamp(28px, 4vw, 56px); display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(24px, 4vw, 48px); align-items: center; }
.ctaband p { margin-top: 14px; color: rgba(255,255,255,.82); max-width: 40ch; }
.ctaband .btn { background: #fff; color: var(--green-d); }
.ctaband .btn:hover { background: var(--sun); color: #fff; }
.ctaband__cta { display: flex; flex-wrap: wrap; gap: 12px; }
@media (max-width: 860px) { .ctaband { grid-template-columns: 1fr; } }