/* Cedarline Payments — styles.css (no external fonts, no frameworks) */
:root{
  --ink:#0f1f1a; --muted:#4a5a55; --line:#dfe6e2; --bg:#ffffff; --soft:#f4f7f5; --sand:#f8f6f1;
  --cedar:#0d3b2e; --cedar-2:#14533f; --leaf:#1f8a5b; --leaf-2:#27a36c; --copper:#b8642f; --copper-soft:#fbf0e8;
  --radius:14px; --shadow:0 1px 2px rgba(13,59,46,.06),0 8px 24px rgba(13,59,46,.08);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img,svg{max-width:100%;height:auto}
a{color:var(--leaf)}
a:hover{color:var(--cedar)}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;color:var(--cedar);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.2rem);font-weight:800}
h3{font-size:1.18rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px;top:8px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--copper);margin-bottom:.6em}
.lead{font-size:1.15rem;color:var(--muted)}
.muted{color:var(--muted)}
.small{font-size:.88rem}
.center{text-align:center}

/* header */
header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--cedar);font-weight:800;font-size:1.15rem;letter-spacing:-.01em;white-space:nowrap}
.brand svg{width:34px;height:34px;flex:none}
.brand small{display:block;font-weight:600;font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:var(--leaf);margin-top:-2px}
nav.main{display:flex;align-items:center;gap:4px}
nav.main a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:600;padding:8px 11px;border-radius:8px}
nav.main a:hover,nav.main a[aria-current=page]{background:var(--soft);color:var(--cedar)}
nav.main a.btn{color:#fff;margin-left:6px}
nav.main a.btn:hover{background:var(--cedar-2);color:#fff}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 10px;cursor:pointer}
.menu-toggle span{display:block;width:20px;height:2px;background:var(--cedar);margin:4px 0;border-radius:2px}
@media (max-width:980px){
  .menu-toggle{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 16px;box-shadow:var(--shadow)}
  nav.main.open{display:flex}
  nav.main a{padding:12px}
  nav.main a.btn{margin:8px 0 0;text-align:center}
}

/* buttons */
.btn{display:inline-block;background:var(--cedar);color:#fff;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:10px;border:0;cursor:pointer;font-size:1rem;font-family:inherit;transition:background .15s,transform .15s}
.btn:hover{background:var(--cedar-2);color:#fff}
.btn:active{transform:translateY(1px)}
.btn.sm{padding:9px 15px;font-size:.92rem}
.btn.alt{background:#fff;color:var(--cedar);border:2px solid var(--cedar)}
.btn.alt:hover{background:var(--soft);color:var(--cedar)}
.btn.copper{background:var(--copper)}
.btn.copper:hover{background:#9b5226}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.call-link{font-weight:700;color:var(--cedar);text-decoration:none}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#e3f1ea 0,transparent 60%),linear-gradient(180deg,#f6faf8,#fff);padding:64px 0 56px;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero p.lead{max-width:36em}
.hero-art{display:flex;justify-content:center}
.hero-art svg{width:100%;max-width:440px;filter:drop-shadow(0 20px 40px rgba(13,59,46,.15))}
.checks{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:"";position:absolute;left:0;top:.3em;width:19px;height:19px;border-radius:50%;background:var(--leaf) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/13px no-repeat}
.page-hero{background:linear-gradient(180deg,#f3f8f5,#fff);padding:52px 0 36px;border-bottom:1px solid var(--line)}
.page-hero .lead{max-width:44em}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:12px}
.crumbs a{color:var(--muted)}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero-art{order:-1}.hero-art svg{max-width:320px}.hero{padding:36px 0 40px}}

/* sections */
section.band{padding:64px 0}
section.band.soft{background:var(--soft)}
section.band.sand{background:var(--sand)}
section.band.dark{background:var(--cedar);color:#e8f2ed}
section.band.dark h2,section.band.dark h3{color:#fff}
section.band.dark .muted{color:#b9d3c7}
.section-head{max-width:760px;margin-bottom:34px}
.section-head.center{margin-left:auto;margin-right:auto}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}section.band{padding:48px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin-top:4px}
.card p:last-child{margin-bottom:0}
.card.link{text-decoration:none;color:inherit;display:block;transition:transform .15s,border-color .15s}
.card.link:hover{transform:translateY(-2px);border-color:var(--leaf)}
.card .more{color:var(--leaf);font-weight:700;font-size:.95rem}
.icon{width:46px;height:46px;border-radius:12px;background:#e6f3ec;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.icon svg{width:26px;height:26px;stroke:var(--cedar);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.tag{display:inline-block;font-size:.75rem;font-weight:700;background:var(--copper-soft);color:var(--copper);padding:3px 9px;border-radius:99px;margin-bottom:8px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:28px}}

/* steps */
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:18px}
.steps.row{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.steps.row{grid-template-columns:1fr}}
.steps li{counter-increment:s;position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 22px 22px 74px}
.steps li::before{content:counter(s);position:absolute;left:22px;top:20px;width:36px;height:36px;border-radius:50%;background:var(--cedar);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.steps li h3{margin-bottom:.3em}
.steps li p{margin:0;color:var(--muted)}

/* timeline */
.timeline{position:relative;margin:0;padding:0;list-style:none}
.timeline::before{content:"";position:absolute;left:19px;top:6px;bottom:6px;width:3px;background:linear-gradient(var(--leaf),var(--copper));border-radius:3px}
.timeline li{position:relative;padding:0 0 28px 62px}
.timeline li:last-child{padding-bottom:0}
.timeline .dot{position:absolute;left:6px;top:2px;width:29px;height:29px;border-radius:50%;background:#fff;border:3px solid var(--leaf)}
.timeline li:last-child .dot{border-color:var(--copper);background:var(--copper)}
.timeline .when{font-weight:800;color:var(--copper);font-size:.85rem;text-transform:uppercase;letter-spacing:.06em}
.timeline h3{margin:.15em 0 .3em}
.timeline ul{margin:.3em 0 0;padding-left:1.1em;color:var(--muted)}

/* table */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{border-collapse:collapse;width:100%;min-width:640px;font-size:.96rem}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft);color:var(--cedar);font-size:.85rem;text-transform:uppercase;letter-spacing:.04em}
tr:last-child td{border-bottom:0}

/* callouts */
.note{border-left:4px solid var(--copper);background:var(--copper-soft);padding:16px 18px;border-radius:0 10px 10px 0;margin:20px 0}
.note.green{border-color:var(--leaf);background:#e9f5ef}
.note p:last-child{margin-bottom:0}

/* receipt demo */
.receipt{background:#fff;border:1px dashed #b9c7c0;border-radius:10px;padding:18px 20px;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.9rem;max-width:340px}
.receipt .r{display:flex;justify-content:space-between;gap:12px}
.receipt hr{border:0;border-top:1px dashed #b9c7c0;margin:10px 0}
.receipt .t{font-weight:700}
.receipt .cap{font-family:var(--font);font-size:.78rem;color:var(--muted);margin-top:10px}

/* prose */
.prose{max-width:800px}
.prose h2{margin-top:1.6em;font-size:1.5rem}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{padding-left:1.2em}
.prose li{margin-bottom:.35em}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:700;color:var(--cedar);padding:18px 26px 18px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:1.4rem;color:var(--leaf)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted)}

/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.lead-form{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.lead-form .full{grid-column:1/-1}
@media (max-width:640px){.lead-form{grid-template-columns:1fr}.form-card{padding:20px}}
.f label{display:block;font-weight:600;font-size:.9rem;margin-bottom:5px}
.f label .opt{font-weight:400;color:var(--muted)}
.f input,.f select,.f textarea{width:100%;font:inherit;font-size:1rem;padding:12px 13px;border:1px solid #c9d4cf;border-radius:10px;background:#fff;color:var(--ink)}
.f textarea{min-height:104px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{outline:3px solid #bfe3d0;border-color:var(--leaf)}
.f.invalid input,.f.invalid select,.f.invalid textarea{border-color:#c0392b}
.err{color:#b03a2e;font-size:.82rem;min-height:0}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted)}
.consent input{margin-top:4px;width:18px;height:18px;flex:none}
.hp{position:absolute!important;left:-9999px!important}
.status{border-radius:10px;font-size:.95rem}
.status.ok{background:#e7f6ee;color:#14532d;padding:12px 14px}
.status.bad{background:#fdecea;color:#8a1f15;padding:12px 14px}
.form-card .btn{width:100%}
.secure{display:flex;gap:8px;align-items:center;font-size:.85rem;color:var(--muted);margin-top:4px}

/* cta */
.cta{background:linear-gradient(135deg,var(--cedar),#145c45);color:#e8f2ed;border-radius:22px;padding:44px;display:grid;grid-template-columns:1.4fr 1fr;gap:28px;align-items:center}
.cta h2{color:#fff}
.cta .btns{justify-content:flex-end;margin:0}
.cta .btn{background:#fff;color:var(--cedar)}
.cta .btn.alt{background:transparent;color:#fff;border-color:#fff}
@media (max-width:820px){.cta{grid-template-columns:1fr;padding:30px}.cta .btns{justify-content:flex-start}}

/* footer */
footer{background:#0a2c22;color:#b9d3c7;padding:54px 0 30px;font-size:.93rem;margin-top:0}
footer a{color:#dcebe3;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media (max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.fgrid{grid-template-columns:1fr}}
footer .brand{color:#fff}
footer .brand small{color:#7fd1a8}
footer .fh{color:#fff;font-weight:700;margin:0 0 10px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:7px}
.disclosure{border-top:1px solid #1d4a3b;margin-top:36px;padding-top:22px;font-size:.8rem;color:#93b3a6;line-height:1.55}
.disclosure p{margin-bottom:.7em}

/* dropdowns */
.dd{position:relative}
.dd .ddt{display:flex;align-items:center;gap:5px}
.ddm{display:none;position:absolute;left:0;top:100%;min-width:250px;list-style:none;margin:0;padding:8px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);z-index:60}
.ddm a{display:block;padding:8px 12px!important;font-weight:500!important;font-size:.92rem!important}
.dd:hover .ddm,.dd:focus-within .ddm{display:block}
.hcall{display:flex!important;align-items:center;gap:6px;color:var(--cedar)!important;white-space:nowrap}
@media (max-width:1180px){.hcall{display:none!important}}
@media (max-width:980px){
  .hcall{display:flex!important}
  .dd .ddt svg{display:none}
  .ddm{display:block;position:static;box-shadow:none;border:0;padding:0 0 6px 12px;min-width:0;columns:2}
  nav.main{max-height:calc(100vh - 68px);overflow-y:auto}
}
@media (max-width:520px){.ddm{columns:1}}

/* sticky CTAs */
.sticky-cta{display:none}
.float-cta{position:fixed;right:22px;bottom:22px;z-index:40;background:var(--copper);color:#fff;text-decoration:none;font-weight:800;padding:14px 20px;border-radius:99px;box-shadow:0 10px 24px rgba(184,100,47,.35)}
.float-cta:hover{background:#9b5226;color:#fff}
@media (max-width:760px){
  .float-cta{display:none}
  .sticky-cta{display:grid;grid-template-columns:1fr 1.4fr;position:fixed;left:0;right:0;bottom:0;z-index:45;box-shadow:0 -4px 16px rgba(0,0,0,.12)}
  .sticky-cta a{text-align:center;font-weight:800;text-decoration:none;padding:15px 8px;font-size:.98rem}
  .sc-call{background:#fff;color:var(--cedar)}
  .sc-quote{background:var(--copper);color:#fff}
  body{padding-bottom:54px}
}

/* hero with form */
.hero-form .wrap{grid-template-columns:1.05fr .95fr}
.hero-form .form-card h2{font-size:1.35rem;margin-bottom:4px}
.hero-form .form-card .lead-form{grid-template-columns:1fr 1fr;gap:10px 12px}
@media (max-width:900px){.hero-form .wrap{grid-template-columns:1fr}}
.trust{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:20px;padding:0;list-style:none;font-size:.9rem;font-weight:600;color:var(--cedar)}
.trust li{display:flex;align-items:center;gap:7px}
.trust li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--leaf)}

/* pricing cards */
.price-card{position:relative;display:flex;flex-direction:column}
.price-card .num{font-weight:800;color:var(--copper);font-size:.85rem}
.price-card ul{padding-left:1.1em;color:var(--muted);margin:8px 0 14px}
.price-card .fit{margin-top:auto;font-weight:700;color:var(--cedar);font-size:.92rem;border-top:1px solid var(--line);padding-top:12px}
.price-card.pop{border:2px solid var(--leaf)}
.price-card.pop::before{content:"Texas-friendly option";position:absolute;top:-12px;left:20px;background:var(--leaf);color:#fff;font-size:.72rem;font-weight:800;padding:3px 10px;border-radius:99px}

/* calculators */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
.calc .result{background:var(--cedar);color:#e8f2ed;border-radius:18px;padding:26px}
.calc .result h2,.calc .result h3{color:#fff}
.calc .big{font-size:2.4rem;font-weight:800;color:#fff;line-height:1.1;margin:6px 0 4px}
.calc .rows{display:grid;gap:8px;margin:16px 0}
.calc .rows div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #1d5a47;padding-bottom:6px}
.calc .result .small{color:#b9d3c7}
.calc .result .btn{background:var(--copper);width:100%;text-align:center;margin-top:8px}
.calc form{display:grid;gap:14px}

/* blog */
.post-meta{font-size:.9rem;color:var(--muted);margin-bottom:18px}
.post-card .date{font-size:.82rem;color:var(--muted)}
.toc{background:var(--soft);border-radius:12px;padding:16px 20px;margin:18px 0}
.toc ol{margin:6px 0 0;padding-left:1.2em}
.aside-cta{background:var(--copper-soft);border:1px solid #f0d6c2;border-radius:14px;padding:20px;margin:26px 0}
.aside-cta h3{color:var(--copper)}
.related{display:flex;flex-wrap:wrap;gap:10px}
.related a{background:#fff;border:1px solid var(--line);border-radius:99px;padding:8px 14px;text-decoration:none;font-weight:600;font-size:.92rem;color:var(--cedar)}
.related a:hover{border-color:var(--leaf)}
/* nav fit + float cta reveal */
@media (min-width:981px){nav.main a,.ddt{white-space:nowrap}nav.main a{padding:8px 9px}}
@media (min-width:981px) and (max-width:1340px){.hcall{display:none!important}nav.main a{font-size:.92rem;padding:8px 8px}}
.float-cta{opacity:0;pointer-events:none;transition:opacity .2s}
.float-cta.show{opacity:1;pointer-events:auto}