/*
Theme Name: Cost Fund Borrower
Theme URI: https://costfund.com/
Author: Cost Fund
Author URI: https://costfund.com/
Description: A borrower-focused WordPress theme for Cost Fund, built to work cleanly with SiteOrigin Page Builder.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.6
Requires PHP: 7.4
License: GPL-2.0-or-later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: costfund-borrower
*/

:root {
  --cf-navy: #102235;
  --cf-navy-2: #18344f;
  --cf-blue: #2d6fa3;
  --cf-gold: #d7a447;
  --cf-cream: #f7f2e8;
  --cf-mist: #eef3f7;
  --cf-ink: #1d2630;
  --cf-muted: #607080;
  --cf-white: #ffffff;
  --cf-border: #d9e2ea;
  --cf-shadow: 0 18px 48px rgba(16, 34, 53, 0.14);
  --cf-radius: 18px;
  --cf-max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--cf-ink);
  background: var(--cf-white);
  line-height: 1.6;
}

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

a:hover {
  text-decoration: underline;
}

img {
  max-width: 100%;
  height: auto;
}

.screen-reader-text {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.cf-container {
  width: min(var(--cf-max), calc(100% - 40px));
  margin: 0 auto;
}

.cf-site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--cf-border);
  backdrop-filter: blur(14px);
}

.cf-header-inner {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.cf-brand {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  color: var(--cf-navy);
  font-weight: 800;
  letter-spacing: -0.03em;
  font-size: 1.55rem;
}

.cf-brand span {
  color: var(--cf-muted);
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  margin-top: 5px;
}

.cf-main-menu {
  display: flex;
  align-items: center;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.cf-main-menu a {
  color: var(--cf-navy);
  font-weight: 700;
  font-size: 0.95rem;
}

.custom-logo {
  max-height: 78px;
  width: auto;
}

.cf-main-menu a[href*="/contact"],
.cf-main-menu a[href*="/apply-now"],
.cf-header-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 18px;
  border-radius: 999px;
  color: var(--cf-white);
  background: var(--cf-gold);
  box-shadow: 0 10px 24px rgba(215, 164, 71, 0.28);
  text-decoration: none;
}

.cf-main-menu a[href*="/contact"] {
  color: var(--cf-navy);
  background: var(--cf-white);
  border: 1px solid var(--cf-gold);
  box-shadow: none;
}

.cf-main-menu a[href*="/apply-now"] {
  color: var(--cf-navy);
  background: var(--cf-gold);
  border: 1px solid var(--cf-gold);
}

.cf-main-menu a[href*="junipersquare"],
.cf-main-menu a[href*="investor"] {
  color: var(--cf-navy);
  background: transparent;
  border: 0;
  box-shadow: none;
  min-height: auto;
  padding: 0;
  border-radius: 0;
}

.cf-button,
.cf-button-secondary,
.wp-block-button__link,
button,
input[type="submit"] {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border-radius: 999px;
  border: 0;
  background: var(--cf-gold);
  color: var(--cf-navy);
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
  box-shadow: 0 12px 30px rgba(215, 164, 71, 0.26);
}

.cf-button:hover,
.cf-button-secondary:hover {
  transform: translateY(-1px);
  text-decoration: none;
}

.cf-button-secondary {
  background: transparent;
  color: var(--cf-white);
  border: 1px solid rgba(255,255,255,0.55);
  box-shadow: none;
}

.cf-hero {
  position: relative;
  overflow: hidden;
  color: var(--cf-white);
  background:
    radial-gradient(circle at 78% 18%, rgba(215, 164, 71, 0.28), transparent 32%),
    linear-gradient(135deg, var(--cf-navy), var(--cf-navy-2));
}

.cf-hero::after {
  content: "";
  position: absolute;
  right: -120px;
  bottom: -160px;
  width: 460px;
  height: 460px;
  border-radius: 999px;
  border: 72px solid rgba(255,255,255,0.055);
}

.cf-hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
  padding: 84px 0;
}

.cf-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 18px;
  color: #f7d991;
  text-transform: uppercase;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  font-weight: 800;
}

.cf-hero h1,
.cf-page-hero h1 {
  margin: 0;
  font-size: clamp(2.7rem, 6vw, 5.2rem);
  line-height: 0.96;
  letter-spacing: -0.065em;
}

.cf-hero p {
  max-width: 710px;
  margin: 24px 0 0;
  color: rgba(255,255,255,0.86);
  font-size: 1.2rem;
}

.cf-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.cf-hero-card {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 26px;
  padding: 28px;
  box-shadow: var(--cf-shadow);
}

.cf-hero-card h2 {
  margin: 0 0 18px;
  font-size: 1.35rem;
}

.cf-check-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 12px;
}

.cf-check-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

.cf-check-list li::before {
  content: "✓";
  flex: 0 0 24px;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  display: inline-grid;
  place-items: center;
  background: rgba(215, 164, 71, 0.95);
  color: var(--cf-navy);
  font-weight: 900;
  font-size: 0.8rem;
  margin-top: 2px;
}

.cf-section {
  padding: 82px 0;
}

.cf-section-muted {
  background: var(--cf-mist);
}

.cf-section-cream {
  background: var(--cf-cream);
}

.cf-section-heading {
  max-width: 760px;
  margin-bottom: 36px;
}

.cf-section-heading.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.cf-section-heading h2,
.entry-content h2 {
  margin: 0 0 12px;
  color: var(--cf-navy);
  font-size: clamp(2rem, 4vw, 3.15rem);
  line-height: 1.04;
  letter-spacing: -0.045em;
}

.cf-section-heading p,
.entry-content p {
  color: var(--cf-muted);
  font-size: 1.05rem;
}

.cf-grid {
  display: grid;
  gap: 22px;
}

.cf-grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.cf-grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.cf-grid-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.cf-card {
  background: var(--cf-white);
  border: 1px solid var(--cf-border);
  border-radius: var(--cf-radius);
  padding: 28px;
  box-shadow: 0 10px 30px rgba(16, 34, 53, 0.06);
}

.cf-card h3 {
  margin: 0 0 10px;
  color: var(--cf-navy);
  font-size: 1.35rem;
  line-height: 1.2;
}

.cf-card p {
  margin: 0;
  color: var(--cf-muted);
}

.cf-card-link {
  display: inline-flex;
  margin-top: 18px;
  font-weight: 800;
}

.cf-number {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 18px;
  border-radius: 14px;
  background: var(--cf-navy);
  color: var(--cf-gold);
  font-weight: 900;
}

.cf-split {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 50px;
  align-items: center;
}

.cf-panel {
  border-radius: 28px;
  padding: 34px;
  background: var(--cf-navy);
  color: var(--cf-white);
  box-shadow: var(--cf-shadow);
}

.cf-panel h3 {
  margin-top: 0;
  color: var(--cf-white);
  font-size: 1.7rem;
  letter-spacing: -0.03em;
}

.cf-panel p,
.cf-panel li {
  color: rgba(255,255,255,0.84);
}

.cf-stat-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 24px;
}

.cf-stat {
  padding: 18px;
  border-radius: 16px;
  background: rgba(255,255,255,0.1);
}

.cf-stat strong {
  display: block;
  color: var(--cf-gold);
  font-size: 1.45rem;
}

.cf-cta {
  color: var(--cf-white);
  background:
    radial-gradient(circle at 20% 10%, rgba(215, 164, 71, 0.24), transparent 32%),
    linear-gradient(135deg, var(--cf-navy), var(--cf-navy-2));
  border-radius: 30px;
  padding: 54px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 28px;
  align-items: center;
}

.cf-cta h2 {
  margin: 0 0 10px;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1;
  letter-spacing: -0.04em;
}

.cf-cta p {
  margin: 0;
  color: rgba(255,255,255,0.84);
}

.cf-page-hero {
  color: var(--cf-white);
  background: linear-gradient(135deg, var(--cf-navy), var(--cf-navy-2));
  padding: 76px 0;
}

.cf-page-hero p {
  max-width: 760px;
  margin: 18px 0 0;
  color: rgba(255,255,255,0.84);
  font-size: 1.15rem;
}

.cf-content-wrap {
  width: min(900px, calc(100% - 40px));
  margin: 0 auto;
  padding: 70px 0;
}

.entry-content {
  font-size: 1.05rem;
}

.entry-content > *:first-child {
  margin-top: 0;
}

.entry-content input,
.entry-content textarea,
.entry-content select {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid var(--cf-border);
  border-radius: 12px;
  font: inherit;
}

.entry-content textarea {
  min-height: 150px;
}

.cf-site-footer {
  background: #081523;
  color: rgba(255,255,255,0.74);
  padding: 48px 0 24px;
}

.cf-footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 34px;
}

.cf-site-footer h2,
.cf-site-footer h3 {
  color: var(--cf-white);
  margin-top: 0;
}

.cf-site-footer a {
  color: var(--cf-white);
}

.cf-footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 34px;
  padding-top: 20px;
  font-size: 0.9rem;
}

.panel-layout .widget,
.so-panel {
  margin-bottom: 0;
}

.siteorigin-widget-tinymce h1,
.siteorigin-widget-tinymce h2,
.siteorigin-widget-tinymce h3 {
  color: var(--cf-navy);
  letter-spacing: -0.035em;
}

.siteorigin-widget-tinymce .cf-hero h1,
.siteorigin-widget-tinymce .cf-hero h2,
.siteorigin-widget-tinymce .cf-panel h2,
.siteorigin-widget-tinymce .cf-panel h3,
.siteorigin-widget-tinymce .cf-cta h2 {
  color: var(--cf-white);
}

@media (max-width: 920px) {
  .cf-header-inner {
    align-items: flex-start;
    flex-direction: column;
    padding: 16px 0;
  }

  .cf-main-menu {
    flex-wrap: wrap;
    gap: 14px;
  }

  .cf-hero-inner,
  .cf-split,
  .cf-cta,
  .cf-footer-grid {
    grid-template-columns: 1fr;
  }

  .cf-grid-3,
  .cf-grid-4,
  .cf-stat-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .cf-container {
    width: min(var(--cf-max), calc(100% - 28px));
  }

  .cf-hero-inner {
    padding: 62px 0;
  }

  .cf-section {
    padding: 58px 0;
  }

  .cf-grid-2,
  .cf-grid-3,
  .cf-grid-4,
  .cf-stat-row {
    grid-template-columns: 1fr;
  }

  .cf-cta {
    padding: 34px 24px;
  }
}