/* ==========================================================================
   Kootenay Auto Loans — shared site stylesheet
   Used by the resource/article pages. Mirrors the design system used on the
   homepage (index.html) so every page stays visually consistent, and adds
   the article-page + new logo-lockup styles.
   ========================================================================== */

:root{
  --navy:#1e3a78;
  --navy-2:#1a3268;
  --navy-dark:#0e1f4a;
  --navy-soft:#eaf0fa;
  --navy-line:#d6dfee;
  --ink:#181c25;
  --ink-2:#2a2f3a;
  --text:#4a5566;
  --muted:#7a8190;
  --border:#e3e8f0;
  --rule:#eef1f6;
  --bg:#ffffff;
  --bg-alt:#f6f8fc;
  --bg-soft:#fafbfd;
  --footer-bg:#15181f;
  --footer-2:#1d2129;
  --footer-text:rgba(255,255,255,.62);
  --footer-line:rgba(255,255,255,.08);
  --gold:#f5b301;
  --green:#1f8a4c;
  --radius:8px;
  --radius-lg:14px;
  --shadow-xs:0 1px 2px rgba(15,30,75,.05);
  --shadow-sm:0 4px 12px rgba(15,30,75,.06);
  --shadow:0 10px 28px rgba(15,30,75,.08);
  --shadow-lg:0 24px 56px rgba(15,30,75,.14);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;padding:0;background:var(--bg);color:var(--text);font-family:'Montserrat',ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;font-weight:400;line-height:1.55;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:1280px;margin:0 auto;padding:0 28px;position:relative}
h1,h2,h3,h4,h5{margin:0;color:var(--ink);letter-spacing:-.01em;line-height:1.15}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:16px 28px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase;border-radius:var(--radius);border:1.5px solid transparent;cursor:pointer;transition:all .22s cubic-bezier(.3,.7,.3,1);background:transparent}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:0 6px 16px rgba(30,58,120,.22)}
.btn-primary:hover{background:var(--navy-dark);border-color:var(--navy-dark);transform:translateY(-1px);box-shadow:0 10px 22px rgba(30,58,120,.32)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--border)}
.btn-outline:hover{border-color:var(--navy);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}
.btn-lg{padding:18px 32px;font-size:14px}
.btn svg{flex-shrink:0}

/* Top utility bar */
.topbar{background:var(--ink);color:rgba(255,255,255,.7);font-size:12.5px;font-weight:500;letter-spacing:.04em}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:10px;padding-bottom:10px;gap:18px;flex-wrap:wrap}
.topbar .left{display:inline-flex;align-items:center;gap:10px}
.topbar .left::before{content:"";width:7px;height:7px;border-radius:50%;background:#5cd190;box-shadow:0 0 0 4px rgba(92,209,144,.18)}
.topbar .right{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.topbar a{color:#fff;display:inline-flex;align-items:center;gap:8px;font-weight:600}
.topbar a:hover{color:var(--gold)}
.topbar svg{flex-shrink:0;opacity:.85}

/* Header */
.header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--border)}
.header .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:24px}

/* Logo lockup — emblem image + wordmark image side by side */
.brand{display:flex;align-items:center;gap:14px;color:var(--ink)}
.brand-emblem{height:60px;width:auto;object-fit:contain;flex-shrink:0;display:block}
.brand-wordmark{height:33px;width:auto;object-fit:contain;flex-shrink:0;display:block}

.nav{display:flex;align-items:center;gap:38px}
.nav a{font-family:'Montserrat',sans-serif;font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-2);padding:8px 0;position:relative;transition:color .2s}
.nav a:hover{color:var(--navy)}
.nav a.active{color:var(--navy)}
.nav a.active::after,.nav a:hover::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--navy);border-radius:1px}
.nav .drop{position:relative}
.nav .drop > a{display:inline-flex;align-items:center}
.nav .drop > a .caret{display:inline-block;width:6px;height:6px;border:1.5px solid currentColor;border-top:0;border-left:0;transform:rotate(45deg);margin-left:9px;margin-top:-3px;transition:transform .25s}
.nav .drop:hover > a .caret{transform:rotate(-135deg);margin-top:0}
.nav .drop-menu{position:absolute;top:100%;left:-16px;background:#fff;border:1px solid var(--border);padding:10px;min-width:280px;box-shadow:var(--shadow-lg);border-radius:var(--radius);display:none;flex-direction:column;gap:2px;margin-top:8px;z-index:50;border-top:3px solid var(--navy)}
.nav .drop:hover .drop-menu{display:flex}
/* Hover-bridge — invisible strip spanning the 8px gap so the menu stays open while the cursor crosses it */
.nav .drop-menu::before{content:"";position:absolute;top:-12px;left:0;right:0;height:14px}
.nav .drop-menu a{padding:10px 14px;font-size:12px;letter-spacing:.1em;border-radius:6px;color:var(--ink-2)}
.nav .drop-menu a:hover{background:var(--navy-soft);color:var(--navy)}
.nav .drop-menu a::after{display:none}
.header-cta{display:flex;gap:12px;align-items:center}
.menu-toggle{display:none;background:none;border:1.5px solid var(--border);width:42px;height:42px;border-radius:6px;cursor:pointer;color:var(--ink);font-size:18px}

/* Section base */
section{padding:90px 0;position:relative}
.section-head{text-align:center;max-width:720px;margin:0 auto 56px}
.section-rule{display:flex;align-items:center;justify-content:center;gap:18px;margin-bottom:18px}
.section-rule::before,.section-rule::after{content:"";width:50px;height:2px;background:var(--navy);border-radius:1px}
.section-rule h2{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(22px,2.6vw,30px);letter-spacing:.06em;text-transform:uppercase;color:var(--ink);margin:0}
.section-head h3{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(28px,3.4vw,42px);letter-spacing:-.01em;color:var(--ink);margin:18px 0 14px;line-height:1.1}
.section-head h3 .accent{color:var(--navy)}
.section-head p.lead{font-size:17px;color:var(--text);margin:0;line-height:1.65}

/* ==========================================================================
   ARTICLE PAGES
   ========================================================================== */

/* Hero */
.article-hero{background:linear-gradient(180deg,var(--bg-alt) 0%,#fff 100%);border-bottom:1px solid var(--border);padding:46px 0 56px;position:relative;overflow:hidden}
.article-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(680px 320px at 88% -10%,rgba(30,58,120,.07),transparent 60%);pointer-events:none}
.article-hero .wrap{position:relative;z-index:1}
.breadcrumb{display:flex;align-items:center;flex-wrap:wrap;gap:9px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:600;letter-spacing:.06em;color:var(--muted);margin-bottom:26px}
.breadcrumb a{color:var(--muted);transition:color .2s}
.breadcrumb a:hover{color:var(--navy)}
.breadcrumb .sep{opacity:.5}
.breadcrumb .here{color:var(--navy)}
.article-tag{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:11px;letter-spacing:.2em;text-transform:uppercase;padding:8px 18px;border-radius:999px;box-shadow:var(--shadow-sm);margin-bottom:20px}
.article-tag svg{color:var(--gold)}
.article-hero h1{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(32px,4.6vw,54px);line-height:1.05;letter-spacing:-.02em;color:var(--ink);max-width:18ch;margin:0 0 20px}
.article-hero h1 .accent{color:var(--navy)}
.article-lead{font-size:19px;line-height:1.6;color:var(--text);max-width:62ch;margin:0 0 26px}
.article-meta{display:flex;align-items:center;flex-wrap:wrap;gap:22px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:600;letter-spacing:.04em;color:var(--muted)}
.article-meta .am{display:inline-flex;align-items:center;gap:8px}
.article-meta .am svg{color:var(--navy);flex-shrink:0}
.article-meta .am b{color:var(--ink-2);font-weight:700}

/* Layout: content + sticky sidebar */
.article-main{padding:64px 0 84px}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}

/* Prose / body typography */
.article-body{max-width:760px}
.article-body > *:first-child{margin-top:0}
.article-body p{font-size:17.5px;line-height:1.78;color:var(--ink-2);margin:0 0 22px}
.article-body h2{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(24px,2.8vw,32px);color:var(--ink);letter-spacing:-.01em;line-height:1.18;margin:48px 0 16px;padding-top:8px;scroll-margin-top:120px}
.article-body h2::before{content:"";display:block;width:46px;height:3px;border-radius:2px;background:var(--navy);margin-bottom:18px}
.article-body h3{font-family:'Montserrat',sans-serif;font-weight:800;font-size:21px;color:var(--ink);margin:34px 0 12px;line-height:1.25}
.article-body ul,.article-body ol{margin:0 0 24px;padding-left:0;list-style:none;display:grid;gap:13px}
.article-body ul li{position:relative;padding-left:34px;font-size:17px;line-height:1.7;color:var(--ink-2)}
.article-body ul li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--navy-soft);background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%231e3a78' stroke-width='3.5'><path d='M5 12l5 5L20 7'/></svg>");background-repeat:no-repeat;background-position:center}
.article-body ol{counter-reset:ol}
.article-body ol li{position:relative;padding-left:42px;font-size:17px;line-height:1.7;color:var(--ink-2);counter-increment:ol}
.article-body ol li::before{content:counter(ol);position:absolute;left:0;top:1px;width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;display:grid;place-items:center}
.article-body li b,.article-body li strong{color:var(--ink)}
.article-body a:not(.btn){color:var(--navy);font-weight:600;text-decoration:underline;text-decoration-color:var(--navy-line);text-underline-offset:3px}
.article-body a:not(.btn):hover{text-decoration-color:var(--navy)}
.article-body strong{color:var(--ink);font-weight:700}
.article-body blockquote{margin:30px 0;padding:24px 28px;background:var(--navy);color:#fff;border-radius:var(--radius-lg);font-size:18px;line-height:1.6;font-style:italic;box-shadow:var(--shadow)}
.article-body blockquote cite{display:block;margin-top:12px;font-style:normal;font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:rgba(255,255,255,.7)}

/* Key takeaways callout */
.callout{background:var(--navy-soft);border:1px solid var(--navy-line);border-left:4px solid var(--navy);border-radius:var(--radius-lg);padding:26px 30px;margin:34px 0}
.callout h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--navy);margin:0 0 16px;display:flex;align-items:center;gap:10px}
.callout h4 svg{color:var(--gold)}
.callout ul{margin:0;padding:0;list-style:none;display:grid;gap:12px}
.callout ul li{position:relative;padding-left:30px;font-size:15.5px;line-height:1.6;color:var(--ink-2)}
.callout ul li::before{content:"";position:absolute;left:0;top:2px;width:18px;height:18px;border-radius:50%;background:#fff;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 24 24' fill='none' stroke='%231e3a78' stroke-width='3.5'><path d='M5 12l5 5L20 7'/></svg>");background-repeat:no-repeat;background-position:center;box-shadow:var(--shadow-xs)}

/* Sidebar */
.article-side{display:grid;gap:22px;position:sticky;top:104px}
.side-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow-sm)}
.side-card.apply{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:var(--shadow)}
.side-card.apply h4{color:#fff}
.side-card.apply p{color:rgba(255,255,255,.8)}
.side-card.apply .btn-primary{background:#fff;color:var(--navy);border-color:#fff;width:100%;justify-content:center}
.side-card.apply .btn-primary:hover{background:var(--gold);border-color:var(--gold);color:var(--navy-dark)}
.side-card h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:var(--ink);margin:0 0 8px;letter-spacing:-.01em}
.side-card p{font-size:14px;line-height:1.6;color:var(--text);margin:0 0 18px}
.side-soft{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(255,255,255,.85);font-weight:600;margin-top:14px;justify-content:center}
.side-soft svg{flex-shrink:0;color:#fff}
.side-call{display:flex;align-items:center;gap:14px}
.side-call .ic{width:46px;height:46px;border-radius:50%;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;flex-shrink:0}
.side-call .num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:var(--ink);letter-spacing:-.01em}
.side-call small{display:block;font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}
.side-related{list-style:none;margin:0;padding:0;display:grid;gap:4px}
.side-related li a{display:flex;align-items:center;gap:10px;padding:11px 12px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:600;color:var(--ink-2);transition:all .2s;line-height:1.35}
.side-related li a::before{content:"";width:7px;height:7px;border-radius:50%;border:2px solid var(--navy);flex-shrink:0;transition:background .2s}
.side-related li a:hover{background:var(--navy-soft);color:var(--navy)}
.side-related li a:hover::before{background:var(--navy)}

/* Related articles grid */
.related-section{background:var(--bg-alt);border-top:1px solid var(--border);padding:78px 0}
.resources{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.res{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:30px 28px;transition:all .3s;display:flex;flex-direction:column}
.res:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--navy)}
.res-ic{width:48px;height:48px;border-radius:12px;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;margin-bottom:20px;transition:all .3s}
.res:hover .res-ic{background:var(--navy);color:#fff}
.res .tag{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--navy);margin-bottom:8px}
.res h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:19px;color:var(--ink);margin:0 0 10px;line-height:1.3}
.res p{font-size:14.5px;color:var(--text);margin:0 0 18px;line-height:1.55;flex:1}
.res .read{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);display:inline-flex;align-items:center;gap:6px}
.res .read::after{content:"→";transition:transform .25s}
.res:hover .read::after{transform:translateX(4px)}

/* FAQ (reused) */
.faq-section{background:#fff}
.faq{max-width:840px;margin:0 auto}
.faq details{border:1px solid var(--border);border-radius:var(--radius);padding:0;margin-bottom:12px;background:#fff;transition:border-color .2s,box-shadow .2s}
.faq details[open]{border-color:var(--navy);box-shadow:var(--shadow-sm)}
.faq summary{padding:20px 24px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:16px;color:var(--ink);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:18px;transition:color .2s}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--navy)}
.faq summary .plus{width:32px;height:32px;border-radius:50%;background:var(--navy-soft);color:var(--navy);display:grid;place-items:center;font-size:20px;font-weight:300;flex-shrink:0;transition:transform .25s,background .25s,color .25s}
.faq details[open] summary .plus{background:var(--navy);color:#fff;transform:rotate(45deg)}
.faq details p{padding:0 24px 22px;margin:0;color:var(--text);font-size:15px;line-height:1.65;max-width:64ch}

/* CTA band (reused) */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:72px 24px;border-radius:0;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 360px at 50% 100%,rgba(255,255,255,.1),transparent 70%);pointer-events:none}
.cta-band h2{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(28px,3.4vw,40px);color:#fff;margin:0 0 14px;line-height:1.15;letter-spacing:-.01em;position:relative}
.cta-band p{font-size:17px;color:rgba(255,255,255,.78);margin:0 0 30px;max-width:540px;margin-left:auto;margin-right:auto;position:relative}
.cta-band .btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;position:relative}
.cta-band .btn-primary{background:#fff;color:var(--navy);border-color:#fff}
.cta-band .btn-primary:hover{background:var(--gold);border-color:var(--gold);color:var(--navy-dark)}

/* Footer */
footer{background:var(--footer-bg);color:var(--footer-text);padding:72px 0 28px;position:relative}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid var(--footer-line)}
/* New footer logo lockup on a premium light plaque so the full-colour logo reads on the dark footer */
.foot-brand{display:inline-flex;align-items:center;gap:14px;background:linear-gradient(180deg,#ffffff 0%,#f3f6fc 100%);border:1px solid rgba(255,255,255,.6);border-radius:16px;padding:15px 22px;margin-bottom:20px;box-shadow:0 12px 30px rgba(0,0,0,.28)}
.foot-emblem{height:52px;width:auto;object-fit:contain;flex-shrink:0;display:block}
.foot-wordmark{height:29px;width:auto;object-fit:contain;flex-shrink:0;display:block}
.foot-about{font-size:14.5px;line-height:1.65;color:rgba(255,255,255,.55);margin:0 0 22px;max-width:34ch}
.foot-socials{display:flex;gap:10px}
.foot-socials a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.06);display:grid;place-items:center;transition:all .2s;color:#fff}
.foot-socials a:hover{background:var(--navy);transform:translateY(-2px)}
footer h5{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:#fff;margin:0 0 22px}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:12px}
footer ul a{color:var(--footer-text);font-size:14.5px;transition:color .2s}
footer ul a:hover{color:var(--gold)}
.foot-contact li{display:flex;gap:12px;align-items:flex-start;color:var(--footer-text);font-size:14px}
.foot-contact .ic{width:30px;height:30px;border-radius:50%;background:rgba(255,255,255,.06);color:#fff;display:grid;place-items:center;flex-shrink:0}
.foot-contact a{color:rgba(255,255,255,.85);font-weight:500}
.foot-bottom{padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;font-size:13px;color:rgba(255,255,255,.4)}
.foot-bottom-links{display:flex;gap:24px}
.foot-bottom-links a{color:rgba(255,255,255,.55)}
.foot-bottom-links a:hover{color:#fff}

/* Animations */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .8s cubic-bezier(.3,.7,.3,1),transform .8s cubic-bezier(.3,.7,.3,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* Responsive */
@media (max-width:1024px){
  .article-grid{grid-template-columns:1fr;gap:48px}
  .article-side{position:static;grid-template-columns:repeat(2,1fr);display:grid}
  .article-side .side-card.apply{grid-column:1 / -1}
  .resources{grid-template-columns:1fr 1fr}
}
@media (max-width:880px){
  .nav{display:none}
  .menu-toggle{display:grid;place-items:center}
  .nav.open{display:flex;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:24px 28px;border-bottom:1px solid var(--border);gap:18px;align-items:flex-start;z-index:50;box-shadow:var(--shadow)}
  .nav.open .drop-menu{position:static;display:flex;box-shadow:none;border:0;border-top:0;padding:6px 0 0 14px;min-width:0;background:transparent;margin-top:8px}
  .nav.open .drop-menu::before{display:none}
  /* Compact header CTA — the desktop-size Apply button overlaps the wordmark at phone widths */
  .header-cta{gap:8px;flex-shrink:0}
  .header-cta .btn{padding:11px 16px;font-size:11px;letter-spacing:.08em;gap:6px;white-space:nowrap}
  .header-cta .btn svg{display:none}
  .brand{gap:10px;min-width:0}
  .topbar .wrap{flex-direction:column;gap:6px;align-items:center;text-align:center}
  .topbar .right{justify-content:center;gap:14px}
  section{padding:60px 0}
  .article-main{padding:48px 0 64px}
  .related-section{padding:56px 0}
}
@media (max-width:680px){
  .article-side{grid-template-columns:1fr}
  .resources{grid-template-columns:1fr}
}
@media (max-width:560px){
  .wrap{padding:0 20px}
  .header .wrap{gap:12px}
  .brand-emblem{height:42px}
  .brand-wordmark{height:23px}
  .header-cta .btn{padding:10px 13px;font-size:10.5px;letter-spacing:.06em}
  .menu-toggle{width:38px;height:38px;flex-shrink:0}
  /* Flanking dashes float mid-gap when the h2 wraps to two lines — hide at phone widths */
  .section-rule::before,.section-rule::after{display:none}
  .article-body p{font-size:16.5px}
  .article-body ul li,.article-body ol li{font-size:16px}
  .foot-grid{grid-template-columns:1fr;gap:36px}
  .foot-brand{padding:13px 18px}
  .foot-emblem{height:46px}
  .foot-wordmark{height:26px}
  .article-meta{gap:14px}
}