/*
Theme Name: PNL Loans
Theme URI: https://pnlloans.com
Author: PNL Loans
Description: A conversion-focused WordPress theme for P&L mortgage programs and self-employed borrowers.
Version: 1.0.0
Requires at least: 6.2
Requires PHP: 8.0
Text Domain: pnl-loans
License: GPL-2.0-or-later
*/

:root {
  --pnl-navy: #0b1830;
  --pnl-navy-2: #12284a;
  --pnl-blue: #246bfd;
  --pnl-teal: #17b8a6;
  --pnl-gold: #f5b942;
  --pnl-ink: #172033;
  --pnl-muted: #627088;
  --pnl-line: #dbe3ee;
  --pnl-soft: #f4f7fb;
  --pnl-white: #ffffff;
  --pnl-danger: #a12a22;
  --pnl-radius: 18px;
  --pnl-shadow: 0 20px 60px rgba(11, 24, 48, 0.12);
  --pnl-max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--pnl-ink);
  background: var(--pnl-white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}
img, svg { max-width: 100%; height: auto; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
.pnl-container { width: min(calc(100% - 36px), var(--pnl-max)); margin-inline: auto; }
.pnl-section { padding: 88px 0; }
.pnl-section--soft { background: var(--pnl-soft); }
.pnl-kicker {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin: 0 0 16px;
  color: var(--pnl-blue);
  font-size: .83rem;
  font-weight: 850;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.pnl-kicker::before {
  content: "";
  width: 28px;
  height: 3px;
  border-radius: 999px;
  background: var(--pnl-teal);
}
.pnl-heading {
  margin: 0 0 18px;
  color: var(--pnl-navy);
  font-size: clamp(2rem, 4.2vw, 3.25rem);
  line-height: 1.08;
  letter-spacing: -.035em;
}
.pnl-copy {
  margin: 0;
  max-width: 720px;
  color: var(--pnl-muted);
  font-size: 1.07rem;
}
.pnl-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 22px;
  border: 1px solid transparent;
  border-radius: 12px;
  background: var(--pnl-blue);
  color: #fff;
  box-shadow: 0 12px 30px rgba(36, 107, 253, .24);
  font-weight: 850;
  text-decoration: none;
  transition: transform .2s ease, box-shadow .2s ease, filter .2s ease;
  cursor: pointer;
}
.pnl-btn:hover { transform: translateY(-2px); filter: brightness(.98); box-shadow: 0 16px 34px rgba(36, 107, 253, .30); }
.pnl-btn--outline { background: transparent; border-color: rgba(255,255,255,.4); box-shadow: none; color: #fff; }
.pnl-btn--outline:hover { background: rgba(255,255,255,.08); }
.pnl-btn--light { background: #fff; color: var(--pnl-navy); box-shadow: none; }
.pnl-btn--full { width: 100%; }

/* Header */
.pnl-header {
  position: sticky;
  z-index: 50;
  top: 0;
  border-bottom: 1px solid rgba(219,227,238,.85);
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(18px);
}
.pnl-nav {
  display: flex;
  min-height: 76px;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.pnl-brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  color: var(--pnl-navy);
  font-size: 1.25rem;
  font-weight: 950;
  letter-spacing: -.03em;
  text-decoration: none;
}
.pnl-brand__mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 13px;
  background: linear-gradient(145deg, var(--pnl-blue), var(--pnl-teal));
  color: #fff;
  box-shadow: 0 9px 24px rgba(36,107,253,.25);
  font-size: .8rem;
  letter-spacing: -.04em;
}
.pnl-brand img { max-height: 48px; width: auto; }
.pnl-menu { display: flex; align-items: center; gap: 27px; }
.pnl-menu a { color: #35425a; font-size: .93rem; font-weight: 750; text-decoration: none; }
.pnl-menu a:hover { color: var(--pnl-blue); }
.pnl-nav__actions { display: flex; align-items: center; gap: 12px; }
.pnl-phone { color: var(--pnl-navy); font-size: .92rem; font-weight: 850; text-decoration: none; }
.pnl-menu-toggle {
  display: none;
  width: 43px; height: 43px; border: 1px solid var(--pnl-line); border-radius: 11px;
  background: #fff; color: var(--pnl-navy); cursor: pointer;
}

/* Hero */
.pnl-hero {
  position: relative;
  overflow: hidden;
  padding: 94px 0 82px;
  color: #fff;
  background:
    radial-gradient(circle at 83% 18%, rgba(23,184,166,.22), transparent 26%),
    radial-gradient(circle at 10% 80%, rgba(36,107,253,.28), transparent 30%),
    linear-gradient(135deg, #08142a 0%, #10264b 60%, #0a3650 100%);
}
.pnl-hero::after {
  content: "";
  position: absolute; inset: 0;
  opacity: .18;
  background-image:
    linear-gradient(rgba(255,255,255,.09) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.09) 1px, transparent 1px);
  background-size: 42px 42px;
  mask-image: linear-gradient(to bottom, black, transparent 85%);
}
.pnl-hero__grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 58px; align-items: center;
}
.pnl-eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 8px 12px; border: 1px solid rgba(255,255,255,.18); border-radius: 999px;
  background: rgba(255,255,255,.08); color: #dceaff; font-size: .84rem; font-weight: 800;
}
.pnl-eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--pnl-teal); box-shadow: 0 0 0 6px rgba(23,184,166,.14); }
.pnl-hero h1 {
  max-width: 760px;
  margin: 24px 0 22px;
  font-size: clamp(2.75rem, 6vw, 5.35rem);
  line-height: .98;
  letter-spacing: -.055em;
}
.pnl-hero h1 span { color: #70e6d7; }
.pnl-hero__lead { max-width: 680px; margin: 0; color: #d7e1ef; font-size: clamp(1.05rem, 2vw, 1.24rem); }
.pnl-hero__actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 31px; }
.pnl-hero__fine { margin: 18px 0 0; color: #afbdd0; font-size: .82rem; }
.pnl-visual {
  position: relative;
  padding: 24px;
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 28px;
  background: linear-gradient(145deg, rgba(255,255,255,.11), rgba(255,255,255,.05));
  box-shadow: 0 30px 90px rgba(0,0,0,.28);
  backdrop-filter: blur(16px);
}
.pnl-visual__top { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-bottom: 22px; }
.pnl-visual__label { color: #c7d5e7; font-size: .76rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.pnl-visual__badge { padding: 6px 10px; border-radius: 999px; background: rgba(23,184,166,.16); color: #8ff7e8; font-size: .77rem; font-weight: 850; }
.pnl-visual__income {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px;
}
.pnl-metric { padding: 17px; border-radius: 16px; background: rgba(255,255,255,.08); }
.pnl-metric small { display: block; color: #aec0d5; font-size: .75rem; font-weight: 750; }
.pnl-metric strong { display: block; margin-top: 4px; color: #fff; font-size: 1.45rem; letter-spacing: -.03em; }
.pnl-chart {
  display: flex; height: 185px; align-items: end; gap: 11px; padding: 18px 16px 0;
  border-radius: 18px; background: rgba(5,16,34,.42);
}
.pnl-chart span {
  flex: 1; min-width: 16px; border-radius: 8px 8px 3px 3px;
  background: linear-gradient(to top, var(--pnl-blue), #75a2ff);
  box-shadow: 0 0 22px rgba(36,107,253,.22);
}
.pnl-chart span:nth-child(4n+2) { background: linear-gradient(to top, var(--pnl-teal), #70eadb); }
.pnl-visual__house {
  position: absolute; right: -28px; bottom: -28px; width: 125px; height: 125px;
  display: grid; place-items: center; border-radius: 30px;
  background: #fff; box-shadow: 0 24px 50px rgba(0,0,0,.25);
}
.pnl-visual__house svg { width: 76px; }

/* Trust bar */
.pnl-trust { border-bottom: 1px solid var(--pnl-line); background: #fff; }
.pnl-trust__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.pnl-trust__item { padding: 24px 18px; border-right: 1px solid var(--pnl-line); }
.pnl-trust__item:last-child { border-right: 0; }
.pnl-trust__item strong { display: block; color: var(--pnl-navy); font-size: 1.02rem; }
.pnl-trust__item span { display: block; margin-top: 3px; color: var(--pnl-muted); font-size: .84rem; }

/* Cards */
.pnl-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 38px; }
.pnl-card {
  padding: 28px; border: 1px solid var(--pnl-line); border-radius: var(--pnl-radius);
  background: #fff; box-shadow: 0 12px 40px rgba(11,24,48,.05);
}
.pnl-card__icon {
  display: grid; width: 52px; height: 52px; place-items: center; margin-bottom: 19px;
  border-radius: 15px; background: #eaf1ff; color: var(--pnl-blue); font-weight: 950;
}
.pnl-card h3 { margin: 0 0 10px; color: var(--pnl-navy); font-size: 1.21rem; }
.pnl-card p { margin: 0; color: var(--pnl-muted); font-size: .95rem; }

/* Split sections */
.pnl-split { display: grid; grid-template-columns: .95fr 1.05fr; gap: 70px; align-items: center; }
.pnl-panel {
  padding: 34px; border: 1px solid var(--pnl-line); border-radius: 24px; background: #fff; box-shadow: var(--pnl-shadow);
}
.pnl-list { display: grid; gap: 15px; margin: 28px 0 0; padding: 0; list-style: none; }
.pnl-list li { display: grid; grid-template-columns: 29px 1fr; gap: 12px; align-items: start; color: #41506a; }
.pnl-check {
  display: grid; width: 25px; height: 25px; place-items: center; border-radius: 50%;
  background: #dcf7f2; color: #087f71; font-size: .83rem; font-weight: 950;
}
.pnl-document {
  position: relative; min-height: 490px; overflow: hidden;
  border-radius: 28px; background: linear-gradient(145deg, #eaf1ff, #e7fbf7);
}
.pnl-document__sheet {
  position: absolute; top: 50%; left: 50%; width: 68%; min-height: 360px;
  transform: translate(-50%,-50%) rotate(-4deg); padding: 34px;
  border-radius: 18px; background: #fff; box-shadow: 0 30px 75px rgba(11,24,48,.18);
}
.pnl-document__line { height: 10px; margin-bottom: 13px; border-radius: 999px; background: #e7edf5; }
.pnl-document__line--short { width: 58%; }
.pnl-document__line--blue { width: 72%; background: #b8ceff; }
.pnl-document__profit {
  display: flex; align-items: center; justify-content: space-between; margin: 26px 0;
  padding: 19px; border-radius: 14px; background: #ebfaf7;
}
.pnl-document__profit span { color: #49706a; font-size: .82rem; font-weight: 750; }
.pnl-document__profit strong { color: #087f71; font-size: 1.45rem; }
.pnl-document__stamp {
  position: absolute; right: 10%; bottom: 10%; width: 112px; height: 112px;
  display: grid; place-items: center; transform: rotate(9deg);
  border: 4px solid var(--pnl-blue); border-radius: 50%; color: var(--pnl-blue);
  background: rgba(255,255,255,.88); font-size: .83rem; font-weight: 950; text-align: center; text-transform: uppercase;
}

/* Steps */
.pnl-steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; margin-top: 44px; }
.pnl-step { position: relative; padding: 0 24px; }
.pnl-step:not(:last-child)::after {
  content: ""; position: absolute; top: 25px; right: -12%; width: 24%; height: 2px; background: var(--pnl-line);
}
.pnl-step__number {
  display: grid; width: 52px; height: 52px; place-items: center; margin-bottom: 17px;
  border-radius: 16px; background: var(--pnl-navy); color: #fff; font-weight: 950;
}
.pnl-step h3 { margin: 0 0 9px; color: var(--pnl-navy); font-size: 1.08rem; }
.pnl-step p { margin: 0; color: var(--pnl-muted); font-size: .9rem; }

/* FAQ */
.pnl-faq { max-width: 850px; margin: 38px auto 0; }
.pnl-faq details { border-bottom: 1px solid var(--pnl-line); }
.pnl-faq summary {
  position: relative; padding: 22px 48px 22px 0; color: var(--pnl-navy);
  font-size: 1.04rem; font-weight: 850; cursor: pointer; list-style: none;
}
.pnl-faq summary::-webkit-details-marker { display: none; }
.pnl-faq summary::after { content: "+"; position: absolute; right: 8px; top: 20px; color: var(--pnl-blue); font-size: 1.5rem; }
.pnl-faq details[open] summary::after { content: "–"; }
.pnl-faq p { margin: 0; padding: 0 44px 22px 0; color: var(--pnl-muted); }

/* Lead section */
.pnl-apply { color: #fff; background: linear-gradient(135deg, var(--pnl-navy), #133761); }
.pnl-apply__grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 55px; align-items: start; }
.pnl-apply .pnl-heading { color: #fff; }
.pnl-apply .pnl-copy { color: #ccd8e8; }
.pnl-contact-list { display: grid; gap: 14px; margin-top: 30px; }
.pnl-contact-item { display: flex; align-items: center; gap: 12px; color: #fff; text-decoration: none; font-weight: 750; }
.pnl-contact-item__icon { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 11px; background: rgba(255,255,255,.1); }
.pnl-form {
  padding: 30px; border-radius: 24px; background: #fff; color: var(--pnl-ink); box-shadow: 0 30px 80px rgba(0,0,0,.24);
}
.pnl-form__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.pnl-field label { display: block; margin: 0 0 7px; color: var(--pnl-navy); font-size: .83rem; font-weight: 850; }
.pnl-field input, .pnl-field select, .pnl-field textarea {
  width: 100%; min-height: 48px; padding: 11px 13px;
  border: 1px solid #cfd9e7; border-radius: 10px; background: #fff; color: var(--pnl-ink);
}
.pnl-field textarea { min-height: 108px; resize: vertical; }
.pnl-field--full { grid-column: 1 / -1; }
.pnl-consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; margin: 18px 0; color: var(--pnl-muted); font-size: .76rem; }
.pnl-consent input { margin-top: 4px; }
.pnl-alert { margin-bottom: 18px; padding: 13px 15px; border-radius: 10px; font-size: .9rem; font-weight: 700; }
.pnl-alert--success { background: #e3f8f2; color: #087565; }
.pnl-alert--error { background: #fff0ef; color: var(--pnl-danger); }
.pnl-honeypot { position: absolute !important; left: -9999px !important; opacity: 0 !important; pointer-events: none !important; }

/* Footer */
.pnl-footer { padding: 52px 0 28px; color: #afbdd0; background: #071224; }
.pnl-footer__top { display: grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 42px; padding-bottom: 34px; border-bottom: 1px solid rgba(255,255,255,.1); }
.pnl-footer h3, .pnl-footer h4 { margin: 0 0 13px; color: #fff; }
.pnl-footer p { margin: 0; font-size: .88rem; }
.pnl-footer a { display: block; margin: 7px 0; color: #c4d0df; text-decoration: none; }
.pnl-footer a:hover { color: #fff; }
.pnl-footer__legal { padding-top: 26px; font-size: .73rem; line-height: 1.65; }
.pnl-footer__bottom { display: flex; align-items: center; justify-content: space-between; gap: 25px; margin-top: 20px; font-size: .76rem; }

/* WordPress content */
.pnl-page { padding: 70px 0; }
.pnl-page__content { max-width: 880px; margin-inline: auto; }
.pnl-page__content h1 { color: var(--pnl-navy); font-size: clamp(2.2rem,5vw,3.6rem); }
.pnl-page__content a { color: var(--pnl-blue); }

/* Responsive */
@media (max-width: 980px) {
  .pnl-menu { display: none; position: absolute; top: 76px; left: 18px; right: 18px; flex-direction: column; align-items: stretch; gap: 0; padding: 12px; border: 1px solid var(--pnl-line); border-radius: 16px; background: #fff; box-shadow: var(--pnl-shadow); }
  .pnl-menu.is-open { display: flex; }
  .pnl-menu a { padding: 12px; border-radius: 9px; }
  .pnl-menu a:hover { background: var(--pnl-soft); }
  .pnl-menu-toggle { display: inline-grid; place-items: center; }
  .pnl-phone { display: none; }
  .pnl-hero__grid, .pnl-split, .pnl-apply__grid { grid-template-columns: 1fr; }
  .pnl-hero__grid { gap: 44px; }
  .pnl-visual { max-width: 680px; }
  .pnl-cards { grid-template-columns: 1fr 1fr; }
  .pnl-steps { grid-template-columns: 1fr 1fr; gap: 34px 0; }
  .pnl-step::after { display: none; }
  .pnl-trust__grid { grid-template-columns: 1fr 1fr; }
  .pnl-trust__item:nth-child(2) { border-right: 0; }
  .pnl-trust__item:nth-child(-n+2) { border-bottom: 1px solid var(--pnl-line); }
}
@media (max-width: 680px) {
  .pnl-section { padding: 68px 0; }
  .pnl-nav__actions .pnl-btn { display: none; }
  .pnl-hero { padding-top: 70px; }
  .pnl-hero h1 { font-size: clamp(2.65rem, 13vw, 4rem); }
  .pnl-hero__actions { flex-direction: column; align-items: stretch; }
  .pnl-visual { padding: 17px; }
  .pnl-visual__income, .pnl-form__grid { grid-template-columns: 1fr; }
  .pnl-visual__house { right: -10px; bottom: -16px; width: 96px; height: 96px; }
  .pnl-cards, .pnl-steps, .pnl-trust__grid, .pnl-footer__top { grid-template-columns: 1fr; }
  .pnl-trust__item { border-right: 0; border-bottom: 1px solid var(--pnl-line); }
  .pnl-step { padding: 0; }
  .pnl-document { min-height: 420px; }
  .pnl-document__sheet { width: 82%; padding: 25px; }
  .pnl-form { padding: 20px; }
  .pnl-footer__bottom { flex-direction: column; align-items: flex-start; }
}