/* ================================================
   THE $1M+ VETERAN LEVERAGE PLAYBOOK
   Chase Kelly — American Portfolio Mortgage
   Design: Dark luxury / capital advisory memo
================================================ */

/* ---- RESET & BASE ---- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --bg: #0c0c0b;
  --bg-alt: #111110;
  --surface: #181816;
  --border: #2a2a28;
  --gold: #b8922a;
  --gold-light: #d4aa4a;
  --gold-dim: rgba(184, 146, 42, 0.18);
  --text: #e8e4db;
  --text-muted: #8a867c;
  --text-dim: #5a5750;
  --white: #f5f1e8;
  --good: #2e5c3e;
  --good-text: #7ec99a;
  --neutral: #3a3a28;
  --neutral-text: #c8c070;
  --bad: #5c2e2e;
  --bad-text: #d48888;

  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans: 'Inter', system-ui, sans-serif;

  --page-max: 820px;
  --section-pad: 96px 24px;
}

html {
  scroll-behavior: smooth;
}

body {
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

/* ---- GLOBAL TEXT ---- */
h1,
h2 {
  font-family: var(--font-serif);
  font-weight: 500;
  color: var(--white);
  line-height: 1.25;
}

h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  margin-bottom: 28px;
}

h3 {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-light);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin: 40px 0 16px;
}

p {
  color: var(--text);
  margin-bottom: 20px;
}

p.lead {
  font-size: 1.15rem;
  color: var(--white);
  font-weight: 300;
  margin-bottom: 32px;
  line-height: 1.6;
}

em {
  color: var(--gold-light);
  font-style: normal;
}

a {
  color: var(--gold);
  text-decoration: none;
}

a:hover {
  color: var(--gold-light);
}

/* ---- FADE-IN ANIMATION ---- */
.fade-target {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.65s ease, transform 0.65s ease;
}

.fade-target.animate-in {
  opacity: 0;
  transform: translateY(22px);
}

.fade-target.animate-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ================================================
   COVER
================================================ */
.cover {
  min-height: 700px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 80px 24px 64px;
  position: relative;
  background:
    radial-gradient(ellipse 80% 60% at 50% -10%, rgba(184, 146, 42, 0.12) 0%, transparent 70%),
    var(--bg);
  text-align: center;
  border-bottom: 1px solid var(--border);
}

.cover-inner {
  max-width: 680px;
  margin: 0 auto;
}

.cover-eyebrow {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 28px;
}

.cover-title {
  font-family: var(--font-serif);
  font-size: clamp(2.8rem, 7vw, 5rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 28px;
  letter-spacing: -0.02em;
}

.cover-subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
  font-weight: 300;
  font-style: italic;
  line-height: 1.65;
  margin-bottom: 40px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

.cover-divider {
  width: 48px;
  height: 1px;
  background: var(--gold);
  margin: 0 auto 32px;
  opacity: 0.6;
}

.cover-note {
  font-size: 0.88rem;
  color: var(--text-dim);
  letter-spacing: 0.02em;
  line-height: 1.9;
  margin-bottom: 48px;
}

.cover-byline {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-dim);
  padding: 10px 24px;
  border-radius: 2px;
}

.scroll-hint {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: var(--text-dim);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  animation: scrollBounce 2.5s ease-in-out infinite;
}

.scroll-hint svg {
  width: 18px;
  height: 18px;
}

@keyframes scrollBounce {

  0%,
  100% {
    transform: translateX(-50%) translateY(0);
    opacity: 0.4;
  }

  50% {
    transform: translateX(-50%) translateY(6px);
    opacity: 0.8;
  }
}

/* ================================================
   PAGE SECTIONS
================================================ */
.page {
  padding: var(--section-pad);
  border-bottom: 1px solid var(--border);
}

.page-alt {
  background: var(--bg-alt);
}

.page-inner {
  max-width: var(--page-max);
  margin: 0 auto;
}

.section-label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.section-label::after {
  content: '';
  display: block;
  flex: 1;
  height: 1px;
  background: var(--border);
  max-width: 120px;
}

/* ================================================
   SECTION 1 — WHO THIS IS FOR
================================================ */
.filter-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 36px 0;
}

.filter-card {
  padding: 28px;
  border-radius: 3px;
  border: 1px solid var(--border);
}

.filter-yes {
  background: rgba(46, 92, 62, 0.15);
  border-color: rgba(126, 201, 154, 0.2);
}

.filter-no {
  background: rgba(92, 46, 46, 0.15);
  border-color: rgba(212, 136, 136, 0.2);
}

.filter-card-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.filter-yes .filter-card-label {
  color: var(--good-text);
}

.filter-no .filter-card-label {
  color: var(--bad-text);
}

.filter-card ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.filter-card ul li {
  font-size: 0.93rem;
  color: var(--text);
  padding-left: 16px;
  position: relative;
  line-height: 1.5;
}

.filter-yes ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--good-text);
  font-weight: 700;
}

.filter-no ul li::before {
  content: '✕';
  position: absolute;
  left: 0;
  color: var(--bad-text);
  font-weight: 700;
}

/* ================================================
   PULLQUOTE
================================================ */
.pullquote {
  border-left: 3px solid var(--gold);
  padding: 20px 28px;
  margin: 40px 0;
  font-family: var(--font-sans);
  font-size: 1.05rem;
  font-weight: 400;
  color: var(--white);
  line-height: 1.65;
  background: var(--gold-dim);
  border-radius: 0 3px 3px 0;
}

/* ================================================
   SECTION 2 — THE REFRAME
================================================ */
.callout {
  background: var(--surface);
  border: 1px solid var(--border);
  border-left: 3px solid var(--gold);
  padding: 24px 28px;
  margin: 32px 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 400;
  color: var(--white);
  line-height: 1.7;
  border-radius: 0 3px 3px 0;
}

.three-vars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 36px 0;
}

.var-card {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 24px 20px;
  border-radius: 3px;
  position: relative;
}

.var-card:hover {
  border-color: var(--gold-dim);
  transition: border-color 0.3s;
}

.var-number {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-dim);
  line-height: 1;
  margin-bottom: 12px;
}

.var-title {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gold-light);
  letter-spacing: 0.04em;
  margin-bottom: 10px;
  text-transform: uppercase;
  font-size: 0.78rem;
}

.var-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
}

/* ================================================
   SECTION 3 — JUMBO
================================================ */
.body-list {
  list-style: none;
  margin: 24px 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.body-list li {
  padding-left: 20px;
  position: relative;
  color: var(--text);
  font-size: 0.97rem;
  line-height: 1.6;
}

.body-list li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--gold);
}

.decision-flow {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 32px;
  border-radius: 4px;
  margin: 40px 0;
}

.flow-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.flow-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.flow-step {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: 3px;
  padding: 16px 20px;
}

.flow-q {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 400;
  color: var(--text);
  line-height: 1.6;
}

.flow-arrow {
  text-align: center;
  color: var(--gold);
  font-size: 1.1rem;
  padding: 8px 0;
  opacity: 0.5;
}

/* ================================================
   SECTION 4 — LIQUIDITY
================================================ */
.insight-block {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 28px 32px;
  border-radius: 4px;
  margin: 36px 0;
}

.insight-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-bottom: 16px;
}

.insight-quote {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 400;
  color: var(--text-muted);
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  line-height: 1.7;
}

.insight-quote:last-child {
  border-bottom: none;
}

.liquidity-lanes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 40px 0;
}

.lane-card {
  padding: 28px 22px;
  border-radius: 4px;
  border: 1px solid var(--border);
  position: relative;
  transition: transform 0.2s, border-color 0.2s;
}

.lane-card:hover {
  transform: translateY(-3px);
  border-color: var(--gold-dim);
}

.lane-preserve {
  background: linear-gradient(135deg, rgba(46, 92, 62, 0.15), rgba(46, 92, 62, 0.05));
  border-color: rgba(126, 201, 154, 0.15);
}

.lane-balance {
  background: linear-gradient(135deg, rgba(184, 146, 42, 0.12), rgba(184, 146, 42, 0.04));
  border-color: rgba(184, 146, 42, 0.2);
}

.lane-derisk {
  background: linear-gradient(135deg, rgba(92, 46, 46, 0.15), rgba(92, 46, 46, 0.05));
  border-color: rgba(212, 136, 136, 0.15);
}

.lane-title {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 4px;
}

.lane-sub {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-dim);
  margin-bottom: 14px;
}

.lane-preserve .lane-sub {
  color: var(--good-text);
}

.lane-balance .lane-sub {
  color: var(--gold);
}

.lane-derisk .lane-sub {
  color: var(--bad-text);
}

.lane-card p {
  font-size: 0.87rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.65;
}

/* ================================================
   SECTION 5 — MATRIX TABLE
================================================ */
.matrix-table-wrap {
  overflow-x: auto;
  margin: 40px 0 24px;
  border-radius: 4px;
  border: 1px solid var(--border);
}

.matrix-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.87rem;
  min-width: 640px;
}

.matrix-table thead tr {
  background: var(--surface);
  border-bottom: 2px solid var(--border);
}

.matrix-table th {
  padding: 14px 16px;
  text-align: left;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}

.matrix-table th:first-child {
  color: var(--text-dim);
}

.matrix-table td {
  padding: 14px 16px;
  vertical-align: top;
  border-bottom: 1px solid var(--border);
  color: var(--text-muted);
  line-height: 1.5;
}

.matrix-table tbody tr:last-child td {
  border-bottom: none;
}

.matrix-table tbody tr:hover td {
  background: rgba(255, 255, 255, 0.02);
}

.matrix-table .row-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--text);
  white-space: nowrap;
}

.matrix-table td.good {
  color: var(--good-text);
}

.matrix-table td.neutral {
  color: var(--neutral-text);
}

.matrix-table td.bad {
  color: var(--bad-text);
}

.matrix-note {
  background: var(--surface);
  border-left: 3px solid var(--border);
  padding: 16px 20px;
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 16px;
  border-radius: 0 3px 3px 0;
  line-height: 1.65;
}

.matrix-note strong {
  color: var(--text);
}

/* ================================================
   SECTION 6 — STEERING DETECTION
================================================ */
.steering-signs {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 32px 0;
  border: 1px solid var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.sign-item {
  padding: 24px 28px;
  border-bottom: 1px solid var(--border);
  transition: background 0.2s;
}

.sign-item:last-child {
  border-bottom: none;
}

.sign-item:hover {
  background: var(--surface);
}

.sign-phrase {
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 500;
  color: var(--white);
  margin-bottom: 8px;
}

.sign-phrase::before {
  content: '"';
  color: var(--gold);
}

.sign-phrase::after {
  content: '"';
  color: var(--gold);
}

.sign-ask {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.6;
  padding-left: 16px;
  border-left: 2px solid var(--gold-dim);
}

.question-list {
  list-style: none;
  counter-reset: q-counter;
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 28px 0;
  border: 1px solid var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.question-list li {
  counter-increment: q-counter;
  padding: 18px 24px 18px 64px;
  position: relative;
  font-size: 0.93rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
  line-height: 1.6;
  transition: background 0.2s;
}

.question-list li:last-child {
  border-bottom: none;
}

.question-list li:hover {
  background: var(--surface);
}

.question-list li::before {
  counter-increment: none;
  content: counter(q-counter);
  position: absolute;
  left: 24px;
  top: 18px;
  width: 24px;
  height: 24px;
  background: var(--gold-dim);
  border: 1px solid rgba(184, 146, 42, 0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  text-align: center;
  line-height: 24px;
}

/* ================================================
   SECTION 7 — OFFER STRENGTH
================================================ */
.elements-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 36px 0;
  border: 1px solid var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.element-item {
  display: flex;
  gap: 24px;
  padding: 28px;
  border-bottom: 1px solid var(--border);
  transition: background 0.2s;
}

.element-item:last-child {
  border-bottom: none;
}

.element-item:hover {
  background: var(--surface);
}

.element-num {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold-dim);
  min-width: 36px;
  line-height: 1;
  padding-top: 4px;
}

.element-title {
  font-size: 1rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 8px;
}

.element-content p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.65;
}

/* ================================================
   SECTION 8 — CHECKLIST
================================================ */
.checklist {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 40px 0;
  border: 1px solid var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.check-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 22px 24px;
  border-bottom: 1px solid var(--border);
  cursor: pointer;
  transition: background 0.2s;
  user-select: none;
}

.check-item:last-child {
  border-bottom: none;
}

.check-item:hover {
  background: var(--surface);
}

.check-item.checked {
  background: rgba(46, 92, 62, 0.08);
}

.check-item.checked .check-box {
  background: var(--gold);
  border-color: var(--gold);
}

.check-item.checked .check-box::after {
  content: '✓';
  color: var(--bg);
  font-size: 0.75rem;
  line-height: 1;
}

.check-box {
  width: 22px;
  height: 22px;
  min-width: 22px;
  border: 2px solid var(--border);
  border-radius: 3px;
  margin-top: 3px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, border-color 0.2s;
  background: transparent;
}

.check-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.check-text strong {
  font-size: 0.96rem;
  color: var(--text);
  font-weight: 600;
  line-height: 1.4;
}

.check-text span {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.check-item.checked .check-text strong {
  color: var(--text-dim);
  text-decoration: line-through;
  text-decoration-color: var(--good-text);
}

/* ================================================
   CTA SECTION
================================================ */
.cta-section {
  background:
    radial-gradient(ellipse 80% 60% at 50% 100%, rgba(184, 146, 42, 0.08) 0%, transparent 70%),
    var(--bg);
}

.cta-inner {
  text-align: center;
}

.cta-inner h2 {
  max-width: 600px;
  margin: 0 auto 28px;
}

.cta-inner .lead {
  max-width: 560px;
  margin: 0 auto 24px;
}

.cta-inner p {
  max-width: 560px;
  margin: 0 auto 36px;
  color: var(--text-muted);
}

.cta-what {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 32px 40px;
  border-radius: 4px;
  max-width: 560px;
  margin: 0 auto 40px;
  text-align: left;
}

.cta-what-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.cta-what ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.cta-what ul li {
  font-size: 0.92rem;
  color: var(--text-muted);
  padding-left: 18px;
  position: relative;
  line-height: 1.5;
}

.cta-what ul li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--gold);
}

.cta-tone-note {
  font-size: 0.85rem;
  color: var(--text-dim);
  margin-bottom: 36px;
  line-height: 1.8;
}

.cta-button {
  display: inline-block;
  background: var(--gold);
  color: var(--bg);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 18px 44px;
  border-radius: 2px;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
  margin-bottom: 64px;
}

.cta-button:hover {
  background: var(--gold-light);
  color: var(--bg);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(184, 146, 42, 0.25);
}

.cta-contact {
  border-top: 1px solid var(--border);
  padding-top: 40px;
}

.contact-name {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  color: var(--white);
  margin-bottom: 6px;
}

.contact-title {
  font-size: 0.82rem;
  color: var(--gold);
  letter-spacing: 0.06em;
  margin-bottom: 16px;
  line-height: 1.7;
}

.contact-details {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: center;
  margin-bottom: 28px;
}

.contact-details span {
  font-size: 0.88rem;
  color: var(--text-muted);
}

.contact-details a {
  color: var(--text-muted);
}

.contact-privacy {
  margin-bottom: 16px;
}

.contact-privacy a {
  font-size: 0.75rem;
  color: var(--text-dim);
  letter-spacing: 0.06em;
  text-decoration: none;
  border-bottom: 1px solid var(--border);
  padding-bottom: 2px;
  transition: color 0.2s;
}

.contact-privacy a:hover {
  color: var(--gold);
}

.contact-disclaimer {
  max-width: 540px;
  margin: 0 auto;
  font-size: 0.72rem;
  color: var(--text-dim);
  line-height: 1.8;
  border-top: 1px solid var(--border);
  padding-top: 24px;
}

/* ================================================
   RESPONSIVE
================================================ */
@media (max-width: 700px) {
  :root {
    --section-pad: 64px 20px;
  }

  body {
    font-size: 16px;
  }

  .filter-grid {
    grid-template-columns: 1fr;
  }

  .three-vars {
    grid-template-columns: 1fr;
  }

  .liquidity-lanes {
    grid-template-columns: 1fr;
  }

  .element-item {
    flex-direction: column;
    gap: 12px;
  }

  .element-num {
    font-size: 1rem;
  }

  .matrix-table th,
  .matrix-table td {
    padding: 10px 12px;
    font-size: 0.8rem;
  }

  .cta-what {
    padding: 24px 20px;
  }

  .contact-details {
    flex-direction: column;
    gap: 8px;
  }

  .cover-title {
    font-size: 2.6rem;
  }
}

@media print {
  .fade-target {
    opacity: 1 !important;
    transform: none !important;
  }

  .scroll-hint {
    display: none;
  }

  body {
    background: white;
    color: #111;
  }

  .cover,
  .page,
  .page-alt {
    background: white;
    border: none;
  }
}