/* AmeriFirst Group — single stylesheet
   Type: Fraunces (headings), Public Sans (body/UI)
   Distinct from SCM, Credit Clarity, Clarity BMS and TruWhole by design. */

:root {
  --ink: #1A2233;
  --ink-deep: #111827;
  --brick: #B5482F;
  --brick-deep: #8E3520;
  --brick-soft: #F7E6E0;
  --sand: #F6F1EA;
  --sky: #E5EDF4;
  --steel: #4C5A6E;
  --line: #E4DDD2;
  --ok: #2F7D5B;
  --white: #fff;
  --radius: 14px;
  --shadow: 0 18px 50px -20px rgba(17, 24, 39, .35);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font: 400 17px/1.65 var(--sans);
  color: var(--steel);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
[hidden] { display: none !important; }
a { color: var(--brick-deep); }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); font-weight: 600; line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.3rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
.wrap { width: min(1160px, 100% - 32px); margin-inline: auto; }
.narrow { width: min(760px, 100% - 32px); margin-inline: auto; }
.eyebrow { display: inline-block; font: 700 .78rem/1 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--brick); margin-bottom: 14px; }
.lead { font-size: 1.15rem; }
.center { text-align: center; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; z-index: 99; background: #fff; padding: 8px 12px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 600 1rem/1 var(--sans); padding: 16px 26px; border-radius: 999px; border: 0; cursor: pointer; text-decoration: none; transition: transform .15s, background .15s, box-shadow .15s; }
.btn-primary { background: var(--brick); color: #fff; box-shadow: 0 10px 24px -10px rgba(181, 72, 47, .7); }
.btn-primary:hover { background: var(--brick-deep); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); border: 1.5px solid var(--line); }
.btn-ghost:hover { border-color: var(--ink); }
.btn-block { width: 100%; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); }
/* Logo "Horizon" (chosen 8 Oct 2026): sun over a horizon on an ink tile.
   Footer uses the cream-tile variant so it reads on the dark background. */
.brand-mark { flex: none; display: block; line-height: 0; }
.brand-mark svg { width: 44px; height: 44px; filter: drop-shadow(0 6px 10px rgba(17, 24, 39, .18)); }
.site-footer .brand-mark svg { filter: none; }
.brand-name { font: 600 1.45rem/1 var(--serif); letter-spacing: -.012em; }
.brand-name span { color: var(--brick); }
/* Logo option A (24 Oct 2026): GROUP sits on a hairline rule. */
.brand-name small { display: flex; align-items: center; gap: 8px; font: 700 .62rem/1 var(--sans); letter-spacing: .34em; color: var(--steel); margin-top: 6px; text-transform: uppercase; }
.brand-name small::after { content: ""; flex: 1; height: 1px; background: currentColor; opacity: .45; }
.site-footer .brand-name span { color: #E8836A; }
.site-footer .brand-name small { color: #AAB5C4; }
.header-call { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-weight: 600; }
.header-call small { display: block; font-weight: 400; color: var(--steel); font-size: .78rem; }

/* Hero */
.hero { background: var(--sand); padding: 64px 0 80px; position: relative; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: start; }
.hero-copy h1 em { font-style: italic; color: var(--brick); }
.hero-points { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 12px; }
.hero-points li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink); font-weight: 500; }
.tick { flex: none; width: 24px; height: 24px; border-radius: 50%; background: var(--ok); display: grid; place-items: center; margin-top: 2px; }
.hero-photo { margin-top: 36px; border-radius: var(--radius); overflow: hidden; aspect-ratio: 3 / 2; box-shadow: var(--shadow); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.who-note { margin-top: 18px; font-size: .9rem; padding: 14px 16px; background: #fff; border-left: 3px solid var(--brick); border-radius: 0 10px 10px 0; }

/* Lead form card */
.form-card { background: #fff; border-radius: 20px; box-shadow: var(--shadow); padding: 28px; position: sticky; top: 96px; }
.form-top { display: flex; justify-content: space-between; align-items: center; font: 700 .75rem/1 var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--steel); }
.form-top .free { color: var(--ok); }
.progress { height: 6px; background: var(--sky); border-radius: 99px; margin: 14px 0 22px; overflow: hidden; }
.progress span { display: block; height: 100%; width: 20%; background: var(--brick); border-radius: 99px; transition: width .3s ease; }
.step { display: none; }
.step.active { display: block; animation: fadeUp .3s ease; }
.step h2 { font-size: 1.5rem; margin-bottom: 4px; }
.step-sub { font-size: .95rem; margin-bottom: 20px; }
.amount { font: 600 2.6rem/1 var(--serif); color: var(--ink); text-align: center; margin: 8px 0 18px; }
input[type=range] { width: 100%; accent-color: var(--brick); height: 28px; }
.range-ends { display: flex; justify-content: space-between; font-size: .82rem; margin-bottom: 22px; }
.options { display: grid; gap: 10px; margin-bottom: 20px; }
.option { display: flex; align-items: center; gap: 12px; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 12px; cursor: pointer; color: var(--ink); font-weight: 500; transition: border-color .15s, background .15s; }
.option:hover { border-color: var(--steel); }
.option input { width: 20px; height: 20px; accent-color: var(--brick); }
.option:has(input:checked) { border-color: var(--brick); background: var(--brick-soft); }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: .85rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.field input, .field select { width: 100%; font: 400 1rem var(--sans); padding: 13px 14px; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink); }
.field input:focus, .field select:focus, .option:focus-within { outline: 3px solid rgba(181, 72, 47, .25); outline-offset: 1px; border-color: var(--brick); }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .78rem; line-height: 1.5; margin: 6px 0 16px; padding: 12px; background: var(--sand); border-radius: 10px; }
.consent input { margin-top: 3px; width: 18px; height: 18px; flex: none; accent-color: var(--brick); }
.form-nav { display: flex; gap: 10px; }
.form-nav .back { flex: 0 0 auto; }
.form-nav .next { flex: 1; }
.form-error { color: var(--brick-deep); font-size: .88rem; font-weight: 600; min-height: 1.2em; margin: 0 0 10px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-foot { font-size: .78rem; text-align: center; margin: 14px 0 0; }

/* Sections */
.section { padding: 88px 0; }
.section-alt { background: var(--sand); }
.section-sky { background: var(--sky); }
.section-head { max-width: 680px; margin: 0 auto 48px; text-align: center; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-photo { border-radius: var(--radius); overflow: hidden; aspect-ratio: 3 / 2; box-shadow: var(--shadow); }
.split-photo img { width: 100%; height: 100%; object-fit: cover; }
.split-photo.tall { aspect-ratio: 2 / 3; max-width: 440px; justify-self: center; }

.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.checklist li { display: flex; gap: 12px; color: var(--ink); }
.checklist li::before { content: ""; flex: none; width: 10px; height: 10px; margin-top: 9px; border-radius: 50%; background: var(--brick); }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
/* Icon style 1 "Ink and copper" (24 Oct 2026) */
.card { position: relative; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 28px 22px 24px; transition: transform .2s ease, box-shadow .2s ease; }
.card::before { content: ""; position: absolute; left: 22px; right: 22px; top: 0; height: 2px; border-radius: 2px; background: linear-gradient(90deg, #C9603F, #E8A27F); opacity: .9; }
.card:hover { transform: translateY(-4px); box-shadow: 0 18px 40px -22px rgba(17, 24, 39, .45); }
.card .ico { width: 58px; height: 58px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 18px; color: #fff;
             background: linear-gradient(145deg, #2A3A57 0%, #141C2C 100%); box-shadow: inset 0 1px 0 rgba(255, 255, 255, .12), 0 10px 22px -12px rgba(17, 24, 39, .7); }
.card .ico svg { width: 28px; height: 28px; display: block; }
.card .ico .acc-f { fill: #F0A07E; }
.card .ico .acc-s { stroke: #F0A07E; }
.card h3 { font-size: 1.12rem; }
.card p { font-size: .95rem; margin: 0; }

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; counter-reset: s; }
.steps li { list-style: none; position: relative; padding-top: 64px; }
.steps li::before { counter-increment: s; content: counter(s, decimal-leading-zero); position: absolute; top: 0; left: 0; font: 600 2.6rem/1 var(--serif); color: var(--brick); }
.steps { padding: 0; margin: 0; }

/* Who we are band */
.band { background: var(--ink); color: #C9D2DE; padding: 72px 0; }
.band h2 { color: #fff; }
.band .grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 36px; }
.band h3 { color: #fff; font-size: 1.1rem; }
.band p { font-size: .97rem; }
.band .is-not { display: inline-block; font: 700 .72rem/1 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: #F2B5A4; margin-bottom: 10px; }

/* Know before */
.know { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.know div { background: #fff; border-radius: 12px; padding: 22px 22px 18px; border-top: 4px solid var(--brick); }
.know h3 { font-size: 1.05rem; }
.know p { font-size: .94rem; margin: 0; }
.alt-note { margin-top: 28px; background: #fff; border-radius: 12px; padding: 22px; border: 1px dashed var(--steel); font-size: .95rem; }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item button { all: unset; box-sizing: border-box; width: 100%; display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 22px 0; cursor: pointer; font: 600 1.08rem/1.4 var(--sans); color: var(--ink); }
.faq-item button:focus-visible { outline: 3px solid rgba(181, 72, 47, .3); }
.faq-item .pm { flex: none; width: 28px; height: 28px; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; transition: transform .2s; }
.faq-item[aria-expanded=true] .pm, .faq-item button[aria-expanded=true] .pm { transform: rotate(45deg); }
.faq-panel { display: none; padding: 0 0 22px; }
.faq-panel.open { display: block; }

/* CTA */
.cta { background: var(--brick); color: #FBE9E3; text-align: center; padding: 72px 0; }
.cta h2 { color: #fff; }
.cta .btn-light { background: #fff; color: var(--brick-deep); }
.cta .btn-outline { border: 1.5px solid rgba(255, 255, 255, .6); color: #fff; }
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 24px; }

/* Footer */
.site-footer { background: var(--ink-deep); color: #9AA6B6; font-size: .88rem; padding: 56px 0 40px; }
.site-footer a { color: #D7DEE8; }
.foot-top { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; padding-bottom: 28px; border-bottom: 1px solid rgba(255, 255, 255, .1); }
.foot-top .brand { color: #fff; }
.foot-links { display: flex; gap: 22px; flex-wrap: wrap; list-style: none; margin: 0; padding: 0; }
.disclosure { padding-top: 24px; font-size: .8rem; line-height: 1.6; }
.disclosure p { margin-bottom: .8em; }

/* Legal pages */
.page-hero { background: var(--sand); padding: 56px 0 40px; }
.legal { padding: 48px 0 80px; }
.legal h2 { font-size: 1.45rem; margin-top: 1.8em; }
.legal li { margin-bottom: .4em; }
.placeholder { background: #FFF3C4; color: #6B4E00; padding: 0 4px; border-radius: 4px; font-weight: 600; }

@keyframes fadeUp { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .step.active { animation: none; }
  .btn, .progress span, .card { transition: none; }
  .card:hover { transform: none; }
}

@media (max-width: 980px) {
  .hero .wrap, .split { grid-template-columns: 1fr; gap: 40px; }
  .form-card { position: static; }
  /* On small screens the form must come straight after the headline. */
  .hero .wrap { gap: 28px; }
  .hero-photo { display: none; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .steps, .band .grid-3 { grid-template-columns: 1fr; }
  .split-photo.tall { aspect-ratio: 3 / 2; max-width: none; }
  .split .split-photo { order: -1; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .section { padding: 64px 0; }
  .hero { padding: 36px 0 56px; }
  .cards, .know, .row-2 { grid-template-columns: 1fr; }
  .form-card { padding: 22px 18px; }
  .header-call small { display: none; }
  .header-call .num { font-size: .9rem; }
}