/* ==========================================================================
   MODEL FINANCE COMPANY — rebrand of modelfinance.com (client-owned design)
   Tokens read from the existing site: MFC royal blue, white, green accent.
   Type: Montserrat (headings) · Inter (body)
   ========================================================================== */
*,*::before,*::after{box-sizing:border-box}*{margin:0}

:root{
  --blue:#28599E;
  --blue-dk:#1D4478;
  --blue-bg:#EFF4FB;
  --green:#277A33;      /* 5.36:1 on white, 4.85:1 on tint — AA for text and button labels */
  --ink:#1C2430;
  --slate:#55606E;      /* 6.5:1 on white */
  --line:#DDE3EA;
  --news-bg:#FDEDEB;
  --news-bd:#E8442E;
  --white:#fff;

  --maxw:1160px;
  --gutter:clamp(18px,4.5vw,44px);
  --radius:10px;
  --shadow:0 18px 44px -24px rgba(29,68,120,.34);
  --font-head:'Montserrat',system-ui,sans-serif;
  --font-body:'Inter',system-ui,-apple-system,sans-serif;
  --ease:cubic-bezier(.16,1,.3,1);
}

html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);background:var(--white);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit}
h1,h2,h3{font-family:var(--font-head);font-weight:800;line-height:1.12;letter-spacing:-.01em}
::selection{background:var(--blue);color:#fff}

/* Accessibility */
.skip{position:fixed;top:-70px;left:12px;z-index:200;background:var(--blue-dk);color:#fff;padding:12px 18px;border-radius:8px;font-weight:700;transition:top .2s}
.skip:focus{top:12px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--blue);outline-offset:3px;border-radius:4px}
.on-blue a:focus-visible,.on-blue button:focus-visible{outline-color:#fff}
.sr-only{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* Layout */
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter);width:100%}
.section{padding-block:clamp(44px,6vw,78px)}
.tint{background:var(--blue-bg)}
.center{text-align:center}
.lede{color:var(--slate);font-size:clamp(1rem,1.4vw,1.08rem);max-width:64ch}
.center .lede{margin-inline:auto}
.h-green{color:var(--green);font-family:var(--font-head);font-weight:700;font-size:clamp(1.15rem,2.4vw,1.6rem)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;
  font-family:var(--font-head);font-weight:700;font-size:.92rem;padding:12px 22px;border-radius:var(--radius);
  border:2px solid transparent;cursor:pointer;text-align:center;
  transition:background .2s,color .2s,border-color .2s,transform .2s var(--ease)}
.btn svg{width:17px;height:17px;flex:none}
.btn:hover{transform:translateY(-1px)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-dk)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:#1D6129}
.btn-ghost{border-color:rgba(40,89,158,.4);color:var(--blue-dk)}
.btn-ghost:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.btn-sm{min-height:44px;padding:9px 15px;font-size:.84rem}
.btn-block{width:100%}

/* Top bar */
.topbar{background:var(--white);border-bottom:1px solid var(--line)}
.topbar .wrap{min-height:106px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;flex:none}
.brand img{width:238px;height:auto;max-height:88px;object-fit:contain;object-position:left center}
.top-right{display:flex;align-items:center;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.top-contact{text-align:right;font-size:.86rem;color:var(--slate);line-height:1.45}
.top-contact a{color:var(--blue-dk);font-weight:700}
.top-contact a:hover{color:var(--blue)}

.phone-stack{display:grid;justify-items:end;line-height:1.18;margin-right:4px;min-width:210px}
.phone-kicker{font-family:var(--font-head);font-size:.62rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--blue)}
.primary-number{font-family:var(--font-head);font-size:clamp(1.15rem,2vw,1.48rem);font-weight:800;letter-spacing:.01em;color:var(--blue-dk);white-space:nowrap}
.pending-number{opacity:.92}
.pending-note{font-size:.69rem;color:var(--slate);margin-top:1px}
.legacy-number{font-size:.74rem;color:var(--slate);margin-top:7px}
.legacy-number a{font-weight:700;color:var(--blue-dk)}
.legacy-number a:hover{color:var(--blue)}

/* Blue nav (the signature bar) */
.nav{position:sticky;top:0;z-index:60;background:var(--blue)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;min-height:56px;gap:10px}
.links{display:flex;gap:4px}
.links a{font-family:var(--font-head);font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;
  color:#fff;padding:16px 16px;white-space:nowrap;position:relative}
.links a:hover{background:var(--blue-dk)}
.links a[aria-current="page"]{background:var(--blue-dk)}
.links a[aria-current="page"]::after{content:"";position:absolute;left:14px;right:14px;bottom:8px;height:3px;background:#fff;border-radius:2px}
.nav-call{white-space:nowrap}
.burger{display:none;width:46px;height:46px;border:1px solid rgba(255,255,255,.45);border-radius:var(--radius);background:transparent;
  flex-direction:column;align-items:center;justify-content:center;gap:5px;cursor:pointer;flex:none}
.burger span{width:19px;height:2px;background:#fff;transition:transform .3s var(--ease),opacity .2s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-menu{position:fixed;inset:0;z-index:59;background:var(--blue-dk);color:#fff;
  padding:96px var(--gutter) 40px;display:flex;flex-direction:column;overflow-y:auto;
  transform:translateY(-100%);opacity:0;visibility:hidden;
  transition:transform .38s var(--ease),opacity .3s,visibility 0s .38s}
.mobile-menu.open{transform:none;opacity:1;visibility:visible;transition:transform .38s var(--ease),opacity .3s}
.mobile-menu a:not(.btn){display:flex;align-items:center;justify-content:space-between;font-family:var(--font-head);
  font-weight:700;font-size:1.25rem;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.18);color:#fff;min-height:48px}
.mobile-menu a:not(.btn) em{font-style:normal;font-size:.68rem;font-weight:700;color:#A8C4EA;letter-spacing:.12em}
.mobile-menu .mm-cta{display:grid;gap:10px;margin-top:26px}
.mobile-menu .btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.mobile-menu .btn-ghost:hover{background:#fff;color:var(--blue-dk)}

/* News ribbon */
.news{background:var(--news-bg);border:1px solid var(--news-bd);border-left-width:4px;border-radius:var(--radius);
  padding:12px 16px;font-size:.88rem;color:var(--ink);margin-top:22px}
.news b{color:#B3311E}

/* Hero */
.hero{padding-block:clamp(36px,5vw,64px)}
.hero h1{font-size:clamp(1.9rem,4.6vw,3.1rem);text-align:center;margin-bottom:10px}
.hero .h-green{display:block;text-align:center;margin-bottom:clamp(24px,4vw,44px)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(26px,4vw,54px);align-items:center}
.rotator-shell{background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;box-shadow:0 24px 60px -34px rgba(29,68,120,.58)}
.rotator{position:relative;aspect-ratio:640/460;overflow:hidden;border-radius:9px;background:linear-gradient(135deg,#f8fafc,#edf3fa)}
.rotator img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transform:scale(1.015);transition:opacity .75s ease,transform 5.2s ease}
.rotator img.on{opacity:1;transform:scale(1)}

.rotator-meta{display:grid;grid-template-columns:1fr auto;align-items:center;gap:4px 14px;padding:11px 5px 2px}
.rotator-caption{font-family:var(--font-head);font-size:.82rem;font-weight:800;color:var(--blue-dk)}
.rotator-count{font-family:var(--font-head);font-size:.68rem;font-weight:700;color:var(--slate);letter-spacing:.08em}
.rotator-dots{grid-column:1/-1;display:flex;gap:5px}
.rotator-dots i{display:block;width:18px;height:3px;border-radius:99px;background:#D7E1ED;transition:width .3s var(--ease),background .3s}
.rotator-dots i.on{width:34px;background:var(--blue)}

.ticklist{list-style:none;padding:0;display:grid;gap:14px}
.ticklist li{display:flex;align-items:center;gap:13px;font-family:var(--font-head);font-weight:700;font-size:clamp(1.05rem,1.9vw,1.3rem)}
.tick{width:30px;height:30px;flex:none;border-radius:6px;background:var(--ink);display:grid;place-items:center;color:#fff}
.tick svg{width:16px;height:16px}
.hero-cta{display:flex;gap:11px;flex-wrap:wrap;margin-top:26px}

/* Cards row (the three "I am..." panels) */
.panels{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.panel{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--radius);
  padding:26px;display:flex;flex-direction:column;box-shadow:var(--shadow)}
.panel h3{font-size:1.15rem;margin-bottom:10px;color:var(--blue-dk)}
.panel p{color:var(--slate);font-size:.93rem;margin-bottom:12px}
.panel .grow{flex:1}
.panel .btn{margin-top:8px}
.badge-soon{display:inline-block;font-size:.66rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  color:#8A5A00;background:#FFF3D6;border:1px solid #E8C878;border-radius:3px;padding:3px 8px;margin-bottom:10px;width:max-content}

/* Feature checklist */
.checklist{display:grid;gap:11px;list-style:none;padding:0}
.checklist li{display:flex;gap:11px;align-items:flex-start;font-size:.95rem;color:var(--slate)}
.checklist svg{width:17px;height:17px;flex:none;margin-top:4px;color:var(--green)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(26px,4vw,52px);align-items:center}
.split h2,.section h2{font-size:clamp(1.6rem,3.4vw,2.3rem)}
.split img{border-radius:var(--radius)}

/* CA focus strip */
.ca-strip{background:var(--blue);color:#fff;text-align:center}
.ca-strip h2{color:#fff;margin-bottom:10px}
.ca-strip p{color:rgba(255,255,255,.85);max-width:60ch;margin:0 auto 22px}
.ca-strip .btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}
.ca-strip .btn-ghost:hover{background:#fff;color:var(--blue-dk)}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:16px;list-style:none;padding:0}
.steps li{counter-increment:s;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;
  background:var(--blue);color:#fff;font-family:var(--font-head);font-weight:800;margin-bottom:12px}
.steps h3{font-size:1.02rem;margin-bottom:6px}
.steps p{color:var(--slate);font-size:.9rem}

/* Payment methods */
.pay-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.pay{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.pay h3{font-size:1.05rem;color:var(--blue-dk);margin-bottom:8px;display:flex;align-items:center;gap:10px}
.pay h3 svg{width:20px;height:20px;color:var(--green);flex:none}
.pay p{color:var(--slate);font-size:.92rem}
.pay .addr{font-family:var(--font-head);font-weight:700;color:var(--ink);font-size:.95rem;margin-top:8px;line-height:1.5}

/* Forms */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(20px,3vw,30px);box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field.full{grid-column:1/-1}
.field label{font-size:.84rem;font-weight:700;color:var(--ink)}
.field .req{color:#B3311E}
.field .hint{font-size:.76rem;color:var(--slate);font-weight:400}
.field input,.field select,.field textarea{width:100%;min-height:48px;padding:12px 13px;font:inherit;font-size:.94rem;
  color:var(--ink);background:#FAFBFD;border:1px solid var(--line);border-radius:var(--radius);
  transition:border-color .18s,background .18s}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{background:#fff;border-color:var(--blue)}
.field input[aria-invalid="true"],.field select[aria-invalid="true"],.field textarea[aria-invalid="true"]{
  border-color:#B3311E;background:#FDF3F2}
.err-msg{display:none;font-size:.78rem;font-weight:600;color:#B3311E;align-items:center;gap:6px}
.err-msg.show{display:flex}
.err-msg::before{content:"!";display:inline-grid;place-items:center;width:14px;height:14px;border-radius:50%;
  background:#B3311E;color:#fff;font-size:.62rem;font-weight:800;flex:none}
.check{display:flex;align-items:flex-start;gap:11px;grid-column:1/-1;padding:10px 0;min-height:48px}
.check input{width:20px;height:20px;min-height:0;flex:none;margin-top:2px;accent-color:var(--blue)}
.check label{font-size:.85rem;font-weight:400;color:var(--slate);line-height:1.55}
.form-status{grid-column:1/-1;font-size:.86rem;font-weight:600;color:#B3311E;min-height:1.2em;margin:0}
.form-note{grid-column:1/-1;font-size:.78rem;color:var(--slate);margin:0}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}

/* Info list (contact) */
.info-list{list-style:none;padding:0;display:grid;gap:2px}
.info-list li{display:flex;gap:14px;align-items:flex-start;padding:15px 0;border-bottom:1px solid var(--line)}
.info-list li:last-child{border-bottom:0}
.info-list svg{width:19px;height:19px;flex:none;margin-top:3px;color:var(--blue)}
.info-list b{display:block;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:3px}
.info-list a,.info-list span{color:var(--ink);font-size:.98rem;font-weight:600}
.info-list a:hover{color:var(--blue)}

/* Setup flags */
.setup-flag{display:flex;gap:11px;align-items:flex-start;background:#FFF7E6;border:1px solid #E8C878;
  border-left:4px solid #D99C1B;border-radius:var(--radius);padding:14px 16px;margin:0 0 22px}
.setup-flag svg{width:18px;height:18px;flex:none;margin-top:3px;color:#8A5A00}
.setup-flag p{font-size:.86rem;color:#5C4708;margin:0}

/* Page hero */
.page-hero{background:var(--blue-bg);border-bottom:1px solid var(--line);padding-block:clamp(30px,4vw,50px)}
.page-hero h1{font-size:clamp(1.7rem,3.8vw,2.6rem);margin-bottom:8px}
.page-hero p{color:var(--slate);max-width:64ch}
.crumbs{display:flex;flex-wrap:wrap;gap:7px;font-size:.78rem;color:var(--slate);list-style:none;padding:0;margin-bottom:12px}
.crumbs li{display:flex;align-items:center;gap:7px}
.crumbs li+li::before{content:"›";color:#9AA5B1}
.crumbs a:hover{color:var(--blue)}

/* Footer */
.foot{background:var(--blue-dk);color:rgba(255,255,255,.8);padding-block:clamp(34px,4.5vw,52px);font-size:.87rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.foot h2{font-family:var(--font-head);font-size:.74rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#A8C4EA;margin-bottom:13px}
.foot ul{list-style:none;padding:0;display:grid;gap:8px}
.foot a:hover{color:#fff;text-decoration:underline}
.foot-brand p{color:rgba(255,255,255,.66);max-width:36ch;font-size:.85rem}
.foot-brand .ph{display:inline-block;margin-top:10px;font-family:var(--font-head);font-weight:800;font-size:1.05rem;color:#fff}
.foot-bot{margin-top:30px;padding-top:18px;border-top:1px solid rgba(255,255,255,.16);
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.78rem;color:rgba(255,255,255,.6)}

/* Reveal */
.reveal{opacity:1}
@media (prefers-reduced-motion: no-preference){
  .reveal{opacity:0;transform:translateY(14px);transition:opacity .55s var(--ease),transform .55s var(--ease)}
  .reveal.in{opacity:1;transform:none}
}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}
  .rotator img{transition:none}
}

/* Responsive */
@media(max-width:1020px){
  .links a{padding:16px 11px;font-size:.76rem}
}
@media(max-width:900px){
  .links{display:none}
  .burger{display:flex}
  .hero-grid,.split{grid-template-columns:1fr}
  .rotator{max-width:560px;margin-inline:auto}
  .panels,.steps{grid-template-columns:1fr}
  .top-contact{display:none}
}
@media(max-width:760px){
  .form-grid,.pay-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
}
@media(max-width:460px){
  .nav-call .full{display:none}
  .nav-call{padding-inline:13px}
  .brand img{width:150px}
}
@media(max-width:380px){
  .btn{padding:12px 15px;font-size:.86rem}
}

/* Model Finance Company finishing pass */
.topbar{box-shadow:0 8px 28px -28px rgba(29,68,120,.8)}
.hero{background:radial-gradient(circle at 50% 0,rgba(40,89,158,.07),transparent 42%)}
.panel,.pay,.form-card,.steps li{transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s}
@media (hover:hover){.panel:hover,.pay:hover,.steps li:hover{transform:translateY(-3px);box-shadow:0 22px 46px -28px rgba(29,68,120,.45);border-color:#C8D5E5}}
@media(max-width:900px){.phone-stack{justify-items:start;min-width:0}.top-right{justify-content:flex-start}.topbar .wrap{align-items:center}.primary-number{font-size:1.12rem}}
@media(max-width:680px){.topbar .wrap{min-height:auto;padding-block:14px;align-items:flex-start}.brand img{width:188px;max-height:76px}.top-right{display:grid;grid-template-columns:1fr 1fr;gap:8px;width:100%}.phone-stack{grid-column:1/-1}.top-right .btn{width:100%;padding-inline:10px}.pending-note{display:none}}
@media(max-width:460px){.brand img{width:170px}.rotator-shell{padding:7px}.rotator-meta{padding-inline:3px}}