/* ═══════════════════════════════════════════════════════════
   PHL GLOBAL CSS — Planet Home Lending
   Brand tokens, resets, typography, shared utilities
   ═══════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Nunito:wght@400;600;700;800;900&family=DM+Sans:wght@300;400;500;600;700&display=swap');

/* ── Brand Tokens ─────────────────────────────────────────── */
:root {
    --phl-green-900:  #1b5e20;
    --phl-green-700:  #2e7d32;
    --phl-green-500:  #4caf50;
    --phl-green-300:  #81c784;
    --phl-green-100:  #c8e6c9;
    --phl-blue-900:   #0d1f4e;
    --phl-blue-700:   #1565c0;
    --phl-blue-500:   #1976d2;
    --phl-blue-300:   #64b5f6;
    --phl-blue-100:   #bbdefb;
    --phl-grad:       linear-gradient(135deg, #2e7d32 0%, #1565c0 100%);
    --phl-grad-btn:   linear-gradient(90deg,  #3ca43c 0%, #1565c0 100%);
    --phl-grad-light: linear-gradient(135deg, #e8f5e9 0%, #e3f2fd 100%);
    --phl-white:      #ffffff;
    --phl-gray-50:    #f8fafc;
    --phl-gray-100:   #f1f5f9;
    --phl-gray-200:   #e2e8f0;
    --phl-gray-400:   #94a3b8;
    --phl-gray-600:   #475569;
    --phl-gray-900:   #0f172a;
    --phl-shadow-sm:  0 1px 4px rgba(0,0,0,.08);
    --phl-shadow-md:  0 4px 16px rgba(0,0,0,.12);
    --phl-shadow-lg:  0 12px 40px rgba(0,0,0,.16);
    --phl-shadow-xl:  0 24px 64px rgba(0,0,0,.20);
    --phl-radius-sm:  8px;
    --phl-radius-md:  14px;
    --phl-radius-lg:  22px;
    --phl-radius-xl:  32px;
    --phl-font-head:  'Nunito', sans-serif;
    --phl-font-body:  'DM Sans', sans-serif;
    --phl-nav-h:      72px;
    --phl-transition: all .25s cubic-bezier(.4,0,.2,1);
}

/* ── Reset ────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
    font-family: var(--phl-font-body);
    color: var(--phl-gray-900);
    background: var(--phl-white);
    line-height: 1.6;
    min-height: 100vh;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: var(--phl-font-body); cursor: pointer; }
input, textarea, select { font-family: var(--phl-font-body); }

/* ── Shared Navbar ────────────────────────────────────────── */
.phl-navbar {
    position: fixed;
    top: 0; left: 0; right: 0;
    height: var(--phl-nav-h);
    background: var(--phl-blue-900);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 32px;
    z-index: 500;
    box-shadow: 0 2px 20px rgba(0,0,0,.25);
}
.phl-navbar-brand {
    display: flex;
    align-items: center;
    gap: 12px;
}
.phl-navbar-logo {
    width: 46px; height: 46px;
    background: white;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 22px;
    box-shadow: var(--phl-shadow-md);
    flex-shrink: 0;
}
.phl-navbar-text .brand-name {
    color: white;
    font-family: var(--phl-font-head);
    font-size: 17px;
    font-weight: 800;
    line-height: 1.1;
}
.phl-navbar-text .brand-tag {
    color: #7ed321;
    font-size: 9px;
    font-weight: 700;
    letter-spacing: 1px;
}
.phl-navbar-nav {
    display: flex;
    align-items: center;
    gap: 8px;
    list-style: none;
}
.phl-navbar-nav a {
    color: rgba(255,255,255,.8);
    font-size: 13.5px;
    font-weight: 600;
    padding: 8px 14px;
    border-radius: 10px;
    transition: var(--phl-transition);
}
.phl-navbar-nav a:hover, .phl-navbar-nav a.active {
    color: white;
    background: rgba(255,255,255,.12);
}
.phl-hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 6px;
}
.phl-hamburger span {
    display: block; width: 24px; height: 2.5px;
    background: white; border-radius: 2px;
    transition: var(--phl-transition);
}

/* ── Shared Buttons ───────────────────────────────────────── */
.phl-btn {
    display: inline-flex; align-items: center; justify-content: center;
    gap: 8px;
    padding: 13px 28px;
    border-radius: var(--phl-radius-md);
    font-size: 14px; font-weight: 700;
    border: none; cursor: pointer;
    transition: var(--phl-transition);
    letter-spacing: .3px;
    font-family: var(--phl-font-body);
    white-space: nowrap;
}
.phl-btn-primary {
    background: var(--phl-grad-btn);
    color: white;
    box-shadow: 0 4px 14px rgba(21,101,192,.3);
}
.phl-btn-primary:hover {
    box-shadow: 0 8px 24px rgba(21,101,192,.4);
    transform: translateY(-1px);
    opacity: .95;
}
.phl-btn-outline {
    background: transparent;
    color: var(--phl-green-700);
    border: 2px solid var(--phl-green-700);
}
.phl-btn-outline:hover {
    background: var(--phl-green-700);
    color: white;
}
.phl-btn-white {
    background: white;
    color: var(--phl-blue-700);
    font-weight: 800;
}
.phl-btn-white:hover { background: var(--phl-gray-100); }
.phl-btn-lg { padding: 16px 36px; font-size: 15.5px; border-radius: 16px; }
.phl-btn-sm { padding: 9px 18px; font-size: 13px; }

/* ── Page Content Offset ──────────────────────────────────── */
.phl-page { padding-top: var(--phl-nav-h); }

/* ── Section Containers ───────────────────────────────────── */
.phl-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}
.phl-section { padding: 80px 0; }
.phl-section-sm { padding: 48px 0; }

/* ── Section Headers ──────────────────────────────────────── */
.phl-section-label {
    display: inline-block;
    background: var(--phl-grad-light);
    color: var(--phl-green-700);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 6px 16px;
    border-radius: 20px;
    margin-bottom: 12px;
    border: 1px solid var(--phl-green-100);
}
.phl-section-title {
    font-family: var(--phl-font-head);
    font-size: clamp(28px, 4vw, 42px);
    font-weight: 900;
    color: var(--phl-blue-900);
    line-height: 1.2;
    margin-bottom: 16px;
}
.phl-section-sub {
    font-size: 17px;
    color: var(--phl-gray-600);
    line-height: 1.6;
    max-width: 560px;
}

/* ── Cards ────────────────────────────────────────────────── */
.phl-card {
    background: white;
    border-radius: var(--phl-radius-lg);
    padding: 28px;
    box-shadow: var(--phl-shadow-md);
    border: 1px solid var(--phl-gray-200);
    transition: var(--phl-transition);
}
.phl-card:hover { box-shadow: var(--phl-shadow-lg); transform: translateY(-2px); }

/* ── Badge / Tag ──────────────────────────────────────────── */
.phl-badge {
    display: inline-flex; align-items: center; gap: 5px;
    background: rgba(76,175,80,.1);
    color: var(--phl-green-700);
    font-size: 12px; font-weight: 700;
    padding: 5px 12px; border-radius: 20px;
}

/* ── Form Fields ──────────────────────────────────────────── */
.phl-form-group { margin-bottom: 20px; }
.phl-label {
    display: block;
    font-size: 13px; font-weight: 700;
    color: var(--phl-gray-600);
    margin-bottom: 7px;
    letter-spacing: .3px;
}
.phl-input {
    width: 100%;
    padding: 13px 16px;
    border: 1.5px solid var(--phl-gray-200);
    border-radius: var(--phl-radius-md);
    font-size: 14.5px;
    font-family: var(--phl-font-body);
    color: var(--phl-gray-900);
    background: white;
    outline: none;
    transition: border-color .2s, box-shadow .2s;
}
.phl-input:focus {
    border-color: var(--phl-green-500);
    box-shadow: 0 0 0 3px rgba(76,175,80,.12);
}
.phl-input::placeholder { color: var(--phl-gray-400); }
.phl-input-icon-wrap { position: relative; }
.phl-input-icon-wrap .phl-input { padding-left: 44px; }
.phl-input-icon {
    position: absolute;
    left: 14px; top: 50%;
    transform: translateY(-50%);
    color: var(--phl-gray-400);
    pointer-events: none;
}

/* ── Footer ───────────────────────────────────────────────── */
.phl-footer {
    background: var(--phl-blue-900);
    color: rgba(255,255,255,.7);
    padding: 48px 0 28px;
}
.phl-footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}
.phl-footer-brand .brand-name { color: white; font-family: var(--phl-font-head); font-size: 18px; font-weight: 900; }
.phl-footer-brand .brand-tag  { color: #7ed321; font-size: 10px; letter-spacing: 1px; }
.phl-footer-brand p { font-size: 13px; margin-top: 12px; line-height: 1.7; max-width: 280px; }
.phl-footer-col h4 { color: white; font-family: var(--phl-font-head); font-weight: 800; font-size: 14px; margin-bottom: 16px; }
.phl-footer-col a  { display: block; font-size: 13px; margin-bottom: 8px; transition: color .2s; }
.phl-footer-col a:hover { color: var(--phl-green-300); }
.phl-footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12.5px;
}
.phl-footer-bottom span { color: var(--phl-green-300); }

/* ── Utilities ────────────────────────────────────────────── */
.text-center { text-align: center; }
.text-white  { color: white; }
.d-flex      { display: flex; }
.align-center { align-items: center; }
.gap-8  { gap: 8px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.mt-8   { margin-top: 8px; }
.mt-16  { margin-top: 16px; }
.mt-24  { margin-top: 24px; }
.mt-32  { margin-top: 32px; }
.mb-8   { margin-bottom: 8px; }
.mb-16  { margin-bottom: 16px; }
.w-full { width: 100%; }

/* ── Animations ───────────────────────────────────────────── */
@keyframes phl-fade-up {
    from { opacity: 0; transform: translateY(24px); }
    to   { opacity: 1; transform: translateY(0); }
}
@keyframes phl-fade-in {
    from { opacity: 0; } to { opacity: 1; }
}
.phl-animate { animation: phl-fade-up .5s ease both; }
.phl-animate-delay-1 { animation-delay: .1s; }
.phl-animate-delay-2 { animation-delay: .2s; }
.phl-animate-delay-3 { animation-delay: .3s; }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 1024px) {
    .phl-footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .phl-navbar-nav { display: none; }
    .phl-navbar-nav.open {
        display: flex; flex-direction: column;
        position: fixed; top: var(--phl-nav-h); left: 0; right: 0;
        background: var(--phl-blue-900);
        padding: 16px 20px 24px;
        box-shadow: var(--phl-shadow-lg);
        z-index: 499;
    }
    .phl-hamburger { display: flex; }
    .phl-footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
    .phl-navbar { padding: 0 20px; }
    .phl-section { padding: 48px 0; }
}
@media (max-width: 480px) {
    .phl-footer-grid { grid-template-columns: 1fr; }
    .phl-footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}