/* ============================================================
   NBFCEXPERT.com — Design System
   Concept: the language of the Certificate of Registration —
   ledgers, gazette notices, official seals, section references.
   Institutional navy + oxblood + brass, not fintech-startup neon.
   ============================================================ */

:root{
  /* ---- Color tokens ---- */
  --paper:        #F1EEE5;
  --paper-alt:     #E7E2D3;
  --paper-deep:    #DCD5C0;
  --ink:           #1B1F27;
  --ink-soft:      #4A4E58;
  --navy:          #152238;
  --navy-deep:     #0D1626;
  --seal:          #8A2E32;
  --seal-deep:     #6C2226;
  --brass:         #A9834A;
  --brass-light:   #C9AC74;
  --line:          #CFC6AC;
  --line-on-navy:  rgba(201,172,116,0.35);
  --paper-on-navy: #EDE7D6;

  /* ---- Type ---- */
  --font-display: "Source Serif 4", "Iowan Old Style", Georgia, serif;
  --font-body:    "IBM Plex Sans", "Segoe UI", Arial, sans-serif;
  --font-mono:    "IBM Plex Mono", "SFMono-Regular", Consolas, monospace;

  --container: 1180px;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{ animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
}

body{
  margin:0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

h1,h2,h3,h4{
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 0.5em;
  color: var(--navy);
  letter-spacing: -0.01em;
}
h1{ font-size: clamp(2.1rem, 4vw, 3.3rem); }
h2{ font-size: clamp(1.5rem, 2.6vw, 2.1rem); }
h3{ font-size: 1.25rem; }
p{ margin: 0 0 1em; color: var(--ink-soft); }
strong{ color: var(--ink); }

.container{
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}

/* ---- Reference tag — mono, bordered, evokes a statutory citation ---- */
.ref-tag{
  display:inline-flex;
  align-items:center;
  gap:.4em;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--seal);
  border: 1px solid var(--seal);
  border-radius: 2px;
  padding: 3px 9px;
  background: rgba(138,46,50,0.04);
}
.ref-tag.brass{ color: var(--brass); border-color: var(--brass); background: rgba(169,131,74,0.06); }
.ref-tag.on-navy{ color: var(--brass-light); border-color: var(--line-on-navy); background: rgba(201,172,116,0.08); }

.eyebrow{
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--seal);
  margin-bottom: 0.9em;
  display:block;
}
.eyebrow.on-navy{ color: var(--brass-light); }

/* ============================================================
   SEAL MARK — signature element, reused across the site
   ============================================================ */
.seal{ display:block; }
.seal circle, .seal path, .seal line{ vector-effect: non-scaling-stroke; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.site-header{
  position: sticky; top:0; z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.header-inner{
  max-width: var(--container);
  margin: 0 auto;
  padding: 14px 28px;
  display:flex; align-items:center; justify-content:space-between;
  gap: 20px;
}
.logo{
  display:flex; align-items:center; gap:10px;
  text-decoration:none;
  font-family: var(--font-display);
  font-weight:600;
  font-size:1.15rem;
  color: var(--navy);
  white-space: nowrap;
}
.logo .seal{ width:34px; height:34px; flex:none; }
.logo small{
  display:block;
  font-family: var(--font-mono);
  font-weight:400;
  font-size:0.6rem;
  letter-spacing:0.12em;
  color: var(--ink-soft);
  text-transform:uppercase;
}

.nav-toggle{
  display:none;
  background:none; border:1px solid var(--line); border-radius:3px;
  font-family: var(--font-mono); font-size:0.75rem; letter-spacing:.08em; text-transform:uppercase;
  padding:8px 12px; color:var(--navy); cursor:pointer;
}

.site-nav{ display:flex; align-items:center; gap:26px; }
.site-nav > a{
  text-decoration:none; color: var(--ink); font-size:0.92rem; font-weight:500;
  padding: 6px 0; border-bottom: 1px solid transparent;
  transition: border-color .15s ease, color .15s ease;
}
.site-nav > a:hover{ border-bottom-color: var(--seal); color: var(--seal); }

.nav-services{ position:relative; }
.nav-services summary{
  list-style:none; cursor:pointer; font-size:0.92rem; font-weight:500;
  display:flex; align-items:center; gap:5px; color: var(--ink); padding:6px 0;
}
.nav-services summary::-webkit-details-marker{ display:none; }
.nav-services summary::after{
  content:"▾"; font-size:0.65em; color: var(--seal); margin-left:2px; position:relative; top:-1px;
}
.nav-services[open] summary::after{ content:"▴"; }
.nav-services-menu{
  position:absolute; top: calc(100% + 14px); left: -18px;
  background: var(--navy); border: 1px solid var(--line-on-navy);
  min-width: 260px; padding: 10px; border-radius: 4px;
  box-shadow: 0 14px 34px rgba(13,22,38,0.28);
  display:flex; flex-direction:column;
}
.nav-services-menu a{
  text-decoration:none; color: var(--paper-on-navy); font-size:0.88rem;
  padding: 9px 12px; border-radius:3px;
}
.nav-services-menu a:hover{ background: rgba(201,172,116,0.12); color: var(--brass-light); }

.nav-cta{
  background: var(--seal); color:#fff !important; padding: 9px 18px !important;
  border-radius: 3px; border-bottom:none !important; font-size:0.88rem !important;
}
.nav-cta:hover{ background: var(--seal-deep); border-bottom:none !important; color:#fff !important; }

@media (max-width: 900px){
  .nav-toggle{ display:block; }
  .site-nav{
    position:absolute; top:100%; left:0; right:0;
    background: var(--paper); border-bottom:1px solid var(--line);
    flex-direction:column; align-items:flex-start; gap:2px;
    padding: 10px 28px 20px; display:none;
  }
  .site-nav.open{ display:flex; }
  .site-nav > a{ width:100%; padding:11px 0; }
  .nav-services{ width:100%; }
  .nav-services-menu{ position:static; margin-top:6px; box-shadow:none; }
  .nav-cta{ margin-top:8px; text-align:center; }
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn{
  display:inline-flex; align-items:center; gap:8px;
  font-family: var(--font-body); font-weight:600; font-size:0.92rem;
  padding: 13px 26px; border-radius:3px; text-decoration:none;
  border:1px solid transparent; cursor:pointer;
  transition: transform .12s ease, background .15s ease, border-color .15s ease;
}
.btn:hover{ transform: translateY(-1px); }
.btn-primary{ background: var(--seal); color:#fff; }
.btn-primary:hover{ background: var(--seal-deep); }
.btn-secondary{ background:transparent; color: var(--navy); border-color: var(--navy); }
.btn-secondary:hover{ background: var(--navy); color: var(--paper); }
.btn-on-navy{ background: transparent; color: var(--brass-light); border-color: var(--line-on-navy); }
.btn-on-navy:hover{ background: rgba(201,172,116,0.1); }
.btn-block{ width:100%; justify-content:center; }
.btn[disabled]{ opacity:0.65; cursor:not-allowed; transform:none; }

/* ============================================================
   HERO
   ============================================================ */
.hero{
  position:relative; overflow:hidden;
  background: var(--navy);
  color: var(--paper-on-navy);
  padding: 86px 0 76px;
  border-bottom: 4px solid var(--brass);
}
.hero::before{
  content:""; position:absolute; inset:0;
  background-image:
    linear-gradient(var(--line-on-navy) 1px, transparent 1px);
  background-size: 100% 44px;
  opacity:0.18; pointer-events:none;
}
.hero-grid{
  position:relative; display:grid; grid-template-columns: 1.15fr 0.85fr; gap:40px; align-items:center;
}
.hero h1{ color:#fff; }
.hero .lede{ color: var(--paper-on-navy); font-size:1.08rem; max-width:46ch; }
.hero-ctas{ display:flex; gap:14px; margin-top: 30px; flex-wrap:wrap; }
.hero-seal-wrap{ display:flex; justify-content:center; }
.hero-seal-wrap .seal{ width: min(320px, 100%); height:auto; opacity:0.94; }

@media (max-width: 860px){
  .hero-grid{ grid-template-columns:1fr; }
  .hero-seal-wrap{ order:-1; max-width:200px; margin:0 auto 10px; }
}

/* ---- Sub-page header (non-home hero) ---- */
.page-header{
  background: var(--navy); color: var(--paper-on-navy);
  padding: 58px 0 46px; border-bottom: 4px solid var(--brass);
  position:relative;
}
.page-header h1{ color:#fff; margin-bottom: 0.35em; }
.page-header .lede{ max-width: 62ch; font-size:1.02rem; }
.page-header .crumb{ font-family:var(--font-mono); font-size:0.72rem; letter-spacing:.1em; text-transform:uppercase; color:var(--brass-light); margin-bottom:14px; display:block;}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.trust-strip{
  background: var(--paper-alt); border-bottom:1px solid var(--line);
  padding: 22px 0;
}
.trust-strip ul{
  list-style:none; margin:0; padding:0;
  display:grid; grid-template-columns: repeat(4,1fr); gap: 18px;
}
.trust-strip li{
  display:flex; gap:10px; align-items:flex-start;
  font-size:0.86rem; color: var(--ink); font-weight:500;
}
.trust-strip li::before{
  content:""; width:7px; height:7px; margin-top:6px; flex:none; background: var(--seal); border-radius:1px; transform: rotate(45deg);
}
@media (max-width:900px){ .trust-strip ul{ grid-template-columns: repeat(2,1fr); } }
@media (max-width:520px){ .trust-strip ul{ grid-template-columns: 1fr; } }

/* ============================================================
   SECTION RHYTHM
   ============================================================ */
.section{ padding: 74px 0; }
.section.tight{ padding: 50px 0; }
.section-alt{ background: var(--paper-alt); }
.section-navy{ background: var(--navy); color: var(--paper-on-navy); }
.section-navy h2, .section-navy h3{ color:#fff; }
.section-navy p{ color: var(--paper-on-navy); opacity:0.88; }
.section-head{ max-width: 68ch; margin-bottom: 42px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
hr.rule{ border:none; border-top:1px solid var(--line); margin: 0; }

/* ============================================================
   SERVICE TILES (home)
   ============================================================ */
.tile-grid{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border:1px solid var(--line); }
.tile{
  background: var(--paper); padding: 30px 26px; text-decoration:none; color:inherit;
  display:flex; flex-direction:column; gap:10px; min-height: 178px;
  transition: background .15s ease;
}
.tile:hover{ background: #fff; }
.tile .tile-code{ font-family:var(--font-mono); font-size:0.7rem; color: var(--brass); letter-spacing:.08em; }
.tile h3{ margin:0; font-size:1.08rem; }
.tile p{ font-size:0.9rem; margin:0; flex:1; }
.tile .tile-go{ font-family:var(--font-mono); font-size:0.72rem; color:var(--seal); letter-spacing:.05em; }
@media (max-width:900px){ .tile-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width:600px){ .tile-grid{ grid-template-columns: 1fr; } }

/* ============================================================
   DIFFERENTIATION BLOCK
   ============================================================ */
.diff-grid{ display:grid; grid-template-columns: repeat(3,1fr); gap:34px; }
.diff-card{ border-left: 3px solid var(--seal); padding-left: 20px; }
.diff-card h3{ font-size:1.02rem; }
@media (max-width:820px){ .diff-grid{ grid-template-columns:1fr; gap:26px; } }

/* ============================================================
   PROCESS LIST — legitimate sequence, numbered like clauses
   ============================================================ */
.process-list{ list-style:none; margin:0; padding:0; counter-reset: step; }
.process-list li{
  counter-increment: step;
  display:grid; grid-template-columns: 46px 1fr; gap: 18px;
  padding: 18px 0; border-top: 1px solid var(--line);
}
.process-list li:last-child{ border-bottom: 1px solid var(--line); }
.process-list li::before{
  content: counter(step, decimal-leading-zero);
  font-family: var(--font-mono); font-size:0.82rem; color: var(--seal);
  border: 1px solid var(--seal); border-radius:50%;
  width:36px; height:36px; display:flex; align-items:center; justify-content:center;
}
.process-list li span{ font-size:0.98rem; color: var(--ink); padding-top:6px; }

/* ============================================================
   SERVICE PAGE LAYOUT
   ============================================================ */
.service-layout{ display:grid; grid-template-columns: 1fr 320px; gap: 56px; align-items:start; }
@media (max-width: 940px){ .service-layout{ grid-template-columns:1fr; } }

.side-card{
  background: var(--navy); color: var(--paper-on-navy);
  border-radius: 4px; padding: 28px 26px; position:sticky; top:100px;
}
.side-card h3{ color:#fff; font-size:1rem; margin-bottom:14px;}
.side-card dl{ margin:0 0 20px; }
.side-card dt{ font-family:var(--font-mono); font-size:0.66rem; letter-spacing:.08em; text-transform:uppercase; color: var(--brass-light); margin-bottom:4px;}
.side-card dd{ margin: 0 0 16px; font-size:0.92rem; color: var(--paper-on-navy); }
.deliverables-list{ list-style:none; padding:0; margin:0 0 20px; }
.deliverables-list li{ font-size:0.88rem; padding: 7px 0; border-top:1px solid var(--line-on-navy); display:flex; gap:8px; }
.deliverables-list li:first-child{ border-top:none; }
.deliverables-list li::before{ content:"✓"; color: var(--brass-light); flex:none; }

/* ============================================================
   FEATURE / WHY BLOCKS, MISC
   ============================================================ */
.two-col{ display:grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items:start; }
@media (max-width:860px){ .two-col{ grid-template-columns:1fr; } }

.stat-row{ display:flex; gap:40px; flex-wrap:wrap; margin-top:10px; }
.stat{ }
.stat .num{ font-family:var(--font-display); font-size:2.1rem; color: var(--navy); display:block; }
.stat .label{ font-family:var(--font-mono); font-size:0.7rem; text-transform:uppercase; letter-spacing:.06em; color: var(--ink-soft); }

.bracket{
  background: rgba(138,46,50,0.08); border:1px dashed var(--seal); color: var(--seal-deep);
  padding: 1px 7px; border-radius:2px; font-style:normal; font-weight:600;
}

blockquote.note{
  border-left: 3px solid var(--brass); background: var(--paper-alt);
  padding: 18px 22px; margin: 28px 0; font-size:0.92rem; color: var(--ink-soft);
}
blockquote.note strong{ color: var(--ink); }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band{
  background: var(--navy); color:#fff; padding: 56px 0; text-align:center;
  border-top: 4px solid var(--brass);
}
.cta-band h2{ color:#fff; }
.cta-band .lede{ max-width:56ch; margin: 0 auto 26px; color: var(--paper-on-navy); }
.cta-band .hero-ctas{ justify-content:center; }

/* ============================================================
   BLOG / RESOURCES
   ============================================================ */
.blog-grid{ display:grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border:1px solid var(--line); }
.blog-card{ background: var(--paper); padding: 28px 26px; }
.blog-card .ref-tag{ margin-bottom:12px; }
.blog-card h3{ font-size:1.02rem; margin-bottom:8px; }
.blog-card p{ font-size:0.88rem; margin:0; }
@media (max-width:760px){ .blog-grid{ grid-template-columns:1fr; } }

table.resource-table{ width:100%; border-collapse: collapse; margin-top: 8px; }
table.resource-table th, table.resource-table td{
  text-align:left; padding: 13px 14px; border-bottom: 1px solid var(--line); font-size:0.9rem; vertical-align:top;
}
table.resource-table th{ font-family:var(--font-mono); font-size:0.7rem; text-transform:uppercase; letter-spacing:.06em; color: var(--ink-soft); font-weight:500;}
table.resource-table td a{ color: var(--seal); text-decoration:none; font-family:var(--font-mono); font-size:0.86rem; word-break:break-all; }
table.resource-table td a:hover{ text-decoration:underline; }

/* ============================================================
   FORMS (lead capture)
   ============================================================ */
.form-card{
  background:#fff; border:1px solid var(--line); border-radius:4px; padding: 30px 28px;
}
.form-card h3{ margin-bottom:6px; }
.form-card .form-note{ font-size:0.84rem; margin-bottom: 20px; }
.field{ margin-bottom: 16px; }
.field label{ display:block; font-family:var(--font-mono); font-size:0.7rem; letter-spacing:.06em; text-transform:uppercase; color: var(--ink-soft); margin-bottom:6px; }
.field input, .field select, .field textarea{
  width:100%; padding: 11px 12px; border:1px solid var(--line); border-radius:3px;
  background: var(--paper); font-family: var(--font-body); font-size:0.94rem; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline: 2px solid var(--seal); outline-offset:1px; border-color: var(--seal);
}
.field textarea{ resize: vertical; min-height: 90px; }
.field-row{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
@media (max-width:520px){ .field-row{ grid-template-columns:1fr; } }

/* ============================================================
   CHECKLIST (action items / eligibility)
   ============================================================ */
ul.check-list{ list-style:none; margin:0; padding:0; }
ul.check-list li{
  padding: 12px 0 12px 32px; border-top:1px solid var(--line); position:relative; font-size:0.96rem; color: var(--ink);
}
ul.check-list li:first-child{ border-top:none; }
ul.check-list li::before{
  content:"✓"; position:absolute; left:0; top:11px; color: var(--seal); font-family:var(--font-mono); font-size:0.85rem;
  border:1px solid var(--seal); border-radius:50%; width:20px; height:20px; display:flex; align-items:center; justify-content:center;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{ background: var(--navy-deep); color: var(--paper-on-navy); padding: 56px 0 26px; }
.footer-grid{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 42px; }
.footer-brand .logo{ color:#fff; margin-bottom: 12px; }
.footer-brand p{ font-size:0.87rem; color: var(--paper-on-navy); opacity:0.75; max-width:34ch; }
.footer-col h4{
  font-family: var(--font-mono); font-size:0.7rem; text-transform:uppercase; letter-spacing:.08em;
  color: var(--brass-light); margin-bottom: 14px; font-weight:500;
}
.footer-col a{ display:block; text-decoration:none; color: var(--paper-on-navy); opacity:0.85; font-size:0.88rem; padding: 6px 0; }
.footer-col a:hover{ opacity:1; color: var(--brass-light); }
.footer-bottom{
  border-top: 1px solid var(--line-on-navy); padding-top: 22px;
  display:flex; justify-content:space-between; gap:20px; flex-wrap:wrap;
  font-size:0.78rem; color: var(--paper-on-navy); opacity:0.65;
}
.footer-bottom .disclaimer{ max-width: 62ch; margin:0; opacity:1; }
@media (max-width:860px){ .footer-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width:560px){ .footer-grid{ grid-template-columns: 1fr; } }

/* ---- last-updated strip on regulatory pages ---- */
.updated-strip{
  display:flex; align-items:center; gap:10px; font-family: var(--font-mono); font-size:0.75rem;
  color: var(--ink-soft); border:1px solid var(--line); border-radius:3px; padding:9px 14px; margin-bottom: 30px; width:fit-content;
}
.updated-strip strong{ color: var(--seal); }

/* Skip link for a11y */
.skip-link{
  position:absolute; left:-999px; top:auto;
  background: var(--seal); color:#fff; padding:10px 16px; z-index:100; border-radius:3px;
}
.skip-link:focus{ left: 16px; top: 16px; }

:focus-visible{ outline: 2px solid var(--seal); outline-offset: 2px; }