/*
Theme Name: Loans.net
Theme URI: https://loans.net
Author: Loans.net
Author URI: https://loans.net
Description: A clean, trust-first WordPress theme for a loan comparison marketplace. Includes a custom homepage, a manageable Loan Products post type, mega-friendly navigation, and a responsive, accessible design inspired by modern fintech marketplaces.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.5
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: loansnet
*/

/* ============================================================
   Design tokens
   ============================================================ */
:root{
  --ink:#0B1B2B;
  --navy:#0E2A47;
  --blue:#0FB57E;
  --blue-700:#0a9b6b;
  --mint:#0FB57E;
  --mint-050:#E6F8F1;
  --bg:#FFFFFF;
  --panel:#F3F7FC;
  --panel-2:#EAF1FA;
  --line:#E3EAF2;
  --muted:#5B6B7C;
  --star:#FFB020;

  --maxw:1160px;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 1px 2px rgba(11,27,43,.06),0 1px 3px rgba(11,27,43,.05);
  --shadow-md:0 8px 24px rgba(11,27,43,.08);
  --shadow-lg:0 24px 60px rgba(11,27,43,.12);

  --font-display:"Bricolage Grotesque","Inter",system-ui,sans-serif;
  --font-body:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}

/* ============================================================
   Reset & base
   ============================================================ */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-700)}
h1,h2,h3,h4{font-family:var(--font-display);line-height:1.08;color:var(--ink);margin:0 0 .4em;font-weight:700;letter-spacing:-.02em}
h1{font-size:clamp(2.4rem,5vw,3.9rem)}
h2{font-size:clamp(1.9rem,3.4vw,2.75rem)}
h3{font-size:1.35rem}
p{margin:0 0 1rem}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:6px}

.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{
  font-family:var(--font-body);font-weight:700;font-size:.78rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--blue);margin:0 0 .8rem;display:inline-block
}
.section{padding:84px 0}
.section--panel{background:var(--panel)}
.section--navy{background:var(--navy);color:#DCE6F2}
.section--navy h2,.section--navy h3{color:#fff}
.lead{font-size:1.18rem;color:var(--muted);max-width:56ch}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px 16px;z-index:1000;border-radius:8px;box-shadow:var(--shadow-md)}

/* ============================================================
   Buttons
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--font-body);font-weight:600;font-size:1rem;
  padding:14px 26px;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:transform .12s ease,box-shadow .12s ease,background .12s ease;
  white-space:nowrap;line-height:1
}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--blue);color:#fff;box-shadow:0 6px 16px rgba(27,92,255,.28)}
.btn--primary:hover{background:var(--blue-700);color:#fff}
.btn--mint{background:var(--mint);color:#fff;box-shadow:0 6px 16px rgba(15,181,126,.26)}
.btn--mint:hover{background:#0a9b6b;color:#fff}
.btn--ghost{background:#fff;color:var(--ink);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--blue);color:var(--blue)}
.btn--lg{padding:17px 34px;font-size:1.06rem}
.btn--block{width:100%}

/* ============================================================
   Header / nav
   ============================================================ */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:saturate(160%) blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:28px;height:76px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:800;font-size:1.4rem;color:var(--ink);letter-spacing:-.03em}
.brand:hover{color:var(--ink)}
.brand-mark{width:34px;height:34px;border-radius:10px;background:var(--mint);display:flex;align-items:center;justify-content:center;flex:none}
.brand-mark svg{display:block}
.primary-nav{margin-left:auto}
.primary-nav ul{list-style:none;display:flex;gap:6px;margin:0;padding:0}
.primary-nav a{
  display:block;padding:10px 14px;border-radius:10px;color:var(--ink);
  font-weight:500;font-size:.98rem
}
.primary-nav a:hover{background:var(--panel);color:var(--blue)}
.header-cta{display:flex;align-items:center;gap:10px}
.header-cta .login{color:var(--ink);font-weight:600;font-size:.96rem;padding:8px 4px}
.header-cta .login:hover{color:var(--blue)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px;border-radius:10px}
.nav-toggle:hover{background:var(--panel)}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.2s}

/* ============================================================
   Hero
   ============================================================ */
.hero{position:relative;background:
  radial-gradient(1200px 420px at 78% -8%,rgba(27,92,255,.10),transparent 60%),
  radial-gradient(900px 380px at 10% 6%,rgba(15,181,126,.08),transparent 55%),
  var(--bg);
  padding:70px 0 48px;overflow:hidden}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1 span{color:var(--blue)}
.hero__sub{font-size:1.22rem;color:var(--muted);max-width:46ch;margin-top:.4rem}
.product-picker{margin-top:30px}
.product-picker__label{font-weight:600;font-size:.95rem;color:var(--ink);margin-bottom:14px}
.tabs{display:flex;flex-wrap:wrap;gap:6px 30px;border-bottom:2px solid var(--line)}
.tab{
  display:inline-flex;align-items:center;gap:9px;padding:13px 2px;margin-bottom:-2px;
  border-bottom:3px solid transparent;color:var(--muted);font-weight:600;font-size:1rem;
  cursor:pointer;transition:.14s;white-space:nowrap
}
.tab svg{opacity:.85}
.tab:hover{color:var(--blue)}
.tab.is-active{color:var(--blue);border-color:var(--blue)}
.tab.is-active svg{opacity:1}
.tab .tag{font-size:.62rem;font-weight:700;letter-spacing:.08em;background:var(--mint-050);color:var(--mint);padding:2px 7px;border-radius:6px}
.hero__trust{display:flex;align-items:center;gap:14px;margin-top:28px;flex-wrap:wrap}
.stars{color:var(--star);letter-spacing:2px;font-size:1.05rem}
.hero__trust b{color:var(--ink)}
.hero__trust span{color:var(--muted);font-size:.95rem}

/* Hero card mock */
.rate-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:24px;max-width:420px;margin-left:auto
}
.rate-card__top{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.rate-card__top small{color:var(--muted);font-weight:600;letter-spacing:.04em;text-transform:uppercase;font-size:.7rem}
.badge-soft{background:var(--mint-050);color:var(--mint);font-weight:700;font-size:.72rem;padding:5px 10px;border-radius:8px}
.lender-row{display:flex;align-items:center;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.lender-row:last-child{border-bottom:0}
.lender-logo{width:44px;height:44px;border-radius:11px;background:var(--panel-2);display:grid;place-items:center;font-family:var(--font-display);font-weight:800;color:var(--navy);flex:none}
.lender-info{flex:1;min-width:0}
.lender-info strong{display:block;font-size:.98rem}
.lender-info small{color:var(--muted);font-size:.82rem}
.lender-rate{text-align:right;flex:none}
.lender-rate b{font-family:var(--font-display);font-size:1.3rem;color:var(--ink);display:block;line-height:1}
.lender-rate small{color:var(--muted);font-size:.72rem}

/* ============================================================
   Trust logo strip
   ============================================================ */
.trust-strip{padding:36px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust-strip p{text-align:center;color:var(--muted);font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;margin-bottom:22px}
.logo-row{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 44px}
.logo-row span{font-family:var(--font-display);font-weight:800;font-size:1.25rem;color:#9AAABB;letter-spacing:-.02em}

/* ============================================================
   Feature blocks (alternating)
   ============================================================ */
.feature{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.feature + .feature{margin-top:80px}
.feature--rev .feature__media{order:2}
.feature__media{
  background:linear-gradient(160deg,var(--panel),var(--panel-2));
  border:1px solid var(--line);border-radius:var(--radius-lg);min-height:320px;
  display:grid;place-items:center;padding:28px;position:relative;overflow:hidden
}
.feature__media .mock-panel{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-md);width:100%;max-width:360px;padding:20px}
.stat-line{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px dashed var(--line);font-size:.92rem}
.stat-line:last-child{border-bottom:0}
.stat-line b{font-family:var(--font-display)}
.check-list{list-style:none;padding:0;margin:18px 0 26px}
.check-list li{position:relative;padding-left:34px;margin-bottom:13px;color:var(--ink)}
.check-list li::before{
  content:"";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:999px;
  background:var(--mint-050) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%230FB57E' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/14px no-repeat
}

/* ============================================================
   How it works
   ============================================================ */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative}
.step__num{font-family:var(--font-display);font-weight:800;font-size:1rem;color:#fff;background:var(--blue);width:38px;height:38px;border-radius:11px;display:grid;place-items:center;margin-bottom:16px}
.step h3{font-size:1.15rem;margin-bottom:.35em}
.step p{color:var(--muted);font-size:.96rem;margin:0}

/* ============================================================
   Product cards
   ============================================================ */
.product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.product-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  display:flex;flex-direction:column;transition:.16s;box-shadow:var(--shadow-sm)
}
.product-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--panel-2)}
.product-card__icon{width:48px;height:48px;border-radius:13px;background:var(--panel-2);display:grid;place-items:center;color:var(--blue);margin-bottom:18px}
.product-card h3{font-size:1.2rem;margin-bottom:.4em}
.product-card__rate{font-family:var(--font-display);font-weight:700;color:var(--ink);margin:2px 0 12px}
.product-card__rate b{font-size:1.75rem}
.product-card__rate small{color:var(--muted);font-weight:400;font-family:var(--font-body);font-size:.85rem}
.product-card p{color:var(--muted);font-size:.95rem;flex:1}
.product-card .btn{margin-top:16px}
.product-card__meta{display:flex;gap:16px;font-size:.82rem;color:var(--muted);margin:6px 0 4px;flex-wrap:wrap}
.product-card__meta span{display:inline-flex;gap:5px;align-items:center}

/* ============================================================
   FAQ accordion
   ============================================================ */
.faq{max-width:820px;margin:44px auto 0}
.faq-item{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-bottom:14px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:22px 24px;font-family:var(--font-display);font-weight:700;font-size:1.1rem;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-q:hover{color:var(--blue)}
.faq-q .chev{flex:none;transition:transform .2s;color:var(--blue)}
.faq-item.open .faq-q .chev{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .28s ease;padding:0 24px}
.faq-item.open .faq-a{max-height:400px}
.faq-a p{padding-bottom:22px;color:var(--muted);margin:0}

/* ============================================================
   CTA band
   ============================================================ */
.cta-band{background:linear-gradient(135deg,var(--navy),#123A63);border-radius:var(--radius-lg);padding:56px;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;inset:0;background:radial-gradient(600px 200px at 80% 120%,rgba(27,92,255,.4),transparent 60%);pointer-events:none}
.cta-band h2{color:#fff;position:relative}
.cta-band p{color:#C6D4E6;max-width:52ch;margin:0 auto 26px;position:relative}
.cta-band .btn{position:relative}

/* ============================================================
   Post / page content
   ============================================================ */
.page-head{padding:60px 0 20px;background:var(--panel)}
.entry{max-width:760px;margin:0 auto;padding:56px 24px}
.entry img{border-radius:12px;margin:1.5rem 0}
.entry h2{margin-top:2rem}
.entry blockquote{border-left:4px solid var(--blue);margin:1.6rem 0;padding:.4rem 0 .4rem 22px;color:var(--muted);font-size:1.15rem}
.entry code{background:var(--panel);padding:2px 7px;border-radius:6px;font-size:.9em}
.post-meta{color:var(--muted);font-size:.9rem;margin-bottom:1rem}

/* ============================================================
   Footer
   ============================================================ */
.site-footer{background:var(--ink);color:#AEBECD;padding:64px 0 28px;font-size:.94rem}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:32px}
.site-footer h4{color:#fff;font-family:var(--font-body);font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:10px}
.site-footer a{color:#AEBECD}
.site-footer a:hover{color:#fff}
.footer-brand .brand{color:#fff;margin-bottom:14px}
.footer-brand p{color:#8496A8;font-size:.92rem;max-width:34ch}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#7C8EA0;font-size:.85rem}
.disclosure{color:#69798B;font-size:.78rem;line-height:1.55;margin-top:18px;max-width:none}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width:960px){
  .hero__grid,.feature,.footer-grid{grid-template-columns:1fr}
  .feature--rev .feature__media{order:0}
  .rate-card{margin:0 auto}
  .steps,.product-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .primary-nav,.header-cta .login{display:none}
  .nav-toggle{display:block}
  .primary-nav.is-open{display:block;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md);margin:0;padding:12px}
  .primary-nav.is-open ul{flex-direction:column;gap:2px}
  .primary-nav.is-open a{padding:14px}
}
@media (max-width:620px){
  .section{padding:56px 0}
  .steps,.product-grid,.footer-grid{grid-template-columns:1fr}
  .cta-band{padding:36px 24px}
  body{font-size:16px}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
}

/* ============================================================
   Header apply dropdown
   ============================================================ */
.header-menu-wrap{position:relative}
.header-menu-toggle{display:inline-flex;align-items:center;gap:6px}
.header-dropdown{display:none;position:absolute;top:calc(100% + 10px);right:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);min-width:220px;padding:8px;z-index:151}
.header-dropdown.is-open{display:block}
.header-dropdown__label{display:block;padding:8px 12px;color:var(--muted);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.header-dropdown a{display:flex;align-items:center;justify-content:space-between;gap:8px;padding:12px;border-radius:10px;color:var(--ink);font-weight:600;font-size:.95rem}
.header-dropdown a:hover{background:var(--panel);color:var(--blue)}
.header-dropdown .ext{color:var(--muted);font-size:.85rem}

/* ============================================================
   Testimonials
   ============================================================ */
.testimonial-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-top:44px;text-align:left}
.testimonial-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}
.testimonial-card .stars{display:block;margin-bottom:10px}
.testimonial-card p{color:var(--ink);font-size:.98rem;margin:0 0 16px}
.testimonial-card strong{display:block;font-size:.92rem}
.testimonial-card small{color:var(--muted);font-size:.84rem}

/* ============================================================
   Get Your Rate (quote) page
   ============================================================ */
.quote-card{max-width:640px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-md);padding:36px}
.quote-step{display:none}
.quote-step[data-step-panel="0"]{display:block}
.quote-step h3{font-size:1.3rem;margin-bottom:.3em}
.quote-step__hint{color:var(--muted);margin-bottom:20px}
.quote-cat-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.quote-cat{display:flex;align-items:center;gap:8px;padding:12px 14px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--ink);font-weight:600;font-size:.9rem;cursor:pointer;text-align:left}
.quote-cat svg{flex:none}
.quote-cat span:first-of-type{flex:1;margin-left:4px}
.quote-cat .ext{color:var(--muted);font-size:.85rem;flex:none}
.quote-cat.is-selected{border-color:var(--blue);background:var(--panel-2);color:var(--blue)}
.quote-step__note{color:var(--muted);font-size:.8rem;margin-top:10px}
.quote-amount{font-family:var(--font-display);font-size:2.1rem;font-weight:800;color:var(--blue);margin:14px 0}
.quote-range{width:100%}
.quote-step h4{margin-top:26px;font-size:1rem}
.quote-credit-row{display:flex;gap:10px;margin-top:10px}
.quote-credit{flex:1;padding:12px 8px;border-radius:12px;border:1.5px solid var(--line);background:#fff;color:var(--ink);font-weight:600;font-size:.92rem;cursor:pointer}
.quote-credit.is-selected{border-color:var(--blue);background:var(--panel-2);color:var(--blue)}
.quote-result{display:flex;align-items:center;gap:14px;padding:14px 0;border-bottom:1px solid var(--line)}
.quote-result:last-child{border-bottom:0}
.quote-result__logo{width:40px;height:40px;border-radius:11px;background:var(--panel-2);display:grid;place-items:center;font-family:var(--font-display);font-weight:800;color:var(--navy);flex:none}
.quote-result__info{flex:1;min-width:0}
.quote-result__info strong{display:block;font-size:.96rem}
.quote-result__info small{color:var(--muted);font-size:.8rem}
.quote-result__rate{font-family:var(--font-display);font-size:1.2rem;color:var(--ink)}
.quote-result__rate.is-best{color:var(--mint)}
.quote-done{text-align:center;padding:16px 0}
.quote-done__icon{width:52px;height:52px;border-radius:999px;background:var(--mint-050);display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.quote-done p{color:var(--muted);margin:0}
.quote-actions{display:flex;justify-content:space-between;gap:10px;margin-top:30px}
@media (max-width:620px){.quote-cat-grid{grid-template-columns:1fr}}