/* ============================================================
   quickenloansapp.com — Legal Pages CSS (legal.css)
   Covers: Privacy Policy · Terms of Service · HTML Sitemap
   Imports base variables only — no duplication of style.css
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Merriweather:wght@400;700;900&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');

/* ---- CSS Variables (mirror of style.css root) ---- */
:root {
  --navy:       #1B3A6B;
  --navy-dark:  #0D1F3C;
  --navy-mid:   #1E4A82;
  --amber:      #D4A843;
  --amber-dark: #B8902E;
  --amber-light:#FDF4DC;
  --bg:         #F8F9FC;
  --bg2:        #EEF1F7;
  --white:      #FFFFFF;
  --text:       #1A1A2E;
  --text-muted: #5A6A80;
  --border:     #D4DCEA;
  --green:      #1A8A4A;
  --radius:     10px;
  --radius-lg:  16px;
  --shadow-sm:  0 1px 4px rgba(13,31,60,.08);
  --shadow-md:  0 4px 16px rgba(13,31,60,.14);
  --font-display:'Merriweather', Georgia, serif;
  --font-body:  'Source Sans 3', system-ui, sans-serif;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #2068B8; text-decoration: none; }
a:hover { text-decoration: underline; }
ul, ol { padding-left: 0; list-style: none; }

/* ---- Skip Link ---- */
.skip-link {
  position: absolute; left: -9999px; top: auto;
  width: 1px; height: 1px; overflow: hidden;
}
.skip-link:focus {
  left: 0; top: 0; width: auto; height: auto;
  padding: 8px 16px; background: var(--navy);
  color: #fff; z-index: 9999;
}

/* ---- Minimal Header ---- */
.legal-header {
  background: var(--navy-dark);
  border-bottom: 3px solid var(--amber);
  padding: 0 24px;
}
.legal-header-inner {
  max-width: 1200px; margin: 0 auto;
  height: 64px; display: flex;
  align-items: center; justify-content: space-between;
}
.legal-logo {
  display: flex; align-items: center;
  font-family: var(--font-display);
  font-size: 1.15rem; font-weight: 900;
  color: var(--white); text-decoration: none;
  letter-spacing: -.02em;
}
.legal-logo em { color: var(--amber); font-style: normal; }
.legal-logo .logo-icon { display: none; }
.legal-nav { display: flex; gap: 4px; }
.legal-nav a {
  color: rgba(255,255,255,.7); font-size: .88rem;
  padding: 6px 12px; border-radius: 6px; transition: .15s;
}
.legal-nav a:hover { color: white; background: rgba(255,255,255,.08); text-decoration: none; }
.legal-nav a.active { color: var(--amber); }
.back-btn {
  display: inline-flex; align-items: center; gap: 6px;
  color: rgba(255,255,255,.7); font-size: .85rem;
  padding: 8px 16px; border: 1px solid rgba(255,255,255,.2);
  border-radius: 6px; transition: .15s;
}
.back-btn:hover { color: white; border-color: rgba(255,255,255,.5); text-decoration: none; }

/* ---- Legal Page Hero ---- */
.legal-page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: 52px 24px 48px;
  color: white;
}
.legal-page-hero .inner { max-width: 860px; margin: 0 auto; }
.legal-breadcrumb {
  font-size: .8rem; color: rgba(255,255,255,.55);
  margin-bottom: 14px; display: flex; gap: 8px; align-items: center;
}
.legal-breadcrumb a { color: var(--amber); }
.legal-breadcrumb span { color: rgba(255,255,255,.3); }
.legal-page-title {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 900; margin-bottom: 14px; line-height: 1.2;
}
.legal-meta {
  display: flex; gap: 20px; flex-wrap: wrap;
  font-size: .82rem; color: rgba(255,255,255,.6);
}
.legal-meta strong { color: var(--amber); }

/* ---- Legal Content Layout ---- */
.legal-layout {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 240px 1fr;
  gap: 48px; padding: 52px 24px 72px;
  align-items: start;
}

/* ---- TOC Sidebar ---- */
.legal-toc {
  position: sticky; top: 80px;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.legal-toc-head {
  background: var(--navy-dark); color: var(--amber);
  padding: 14px 18px;
  font-family: var(--font-display); font-size: .88rem; font-weight: 700;
  letter-spacing: .03em;
}
.legal-toc ul { padding: 10px 0; }
.legal-toc li a {
  display: block; padding: 8px 18px;
  font-size: .84rem; color: var(--text-muted);
  transition: .15s; border-left: 2px solid transparent;
}
.legal-toc li a:hover {
  color: var(--navy); background: var(--bg);
  border-left-color: var(--amber); text-decoration: none;
}
.legal-toc li a.active {
  color: var(--navy); font-weight: 600;
  border-left-color: var(--amber); background: var(--amber-light);
}
.legal-toc-footer {
  padding: 14px 18px;
  border-top: 1px solid var(--border);
  font-size: .75rem; color: var(--text-muted);
  line-height: 1.5;
}

/* ---- Legal Document Body ---- */
.legal-doc { min-width: 0; }

.legal-section {
  margin-bottom: 52px;
  scroll-margin-top: 90px;
}
.legal-section:last-child { margin-bottom: 0; }

.legal-section-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 6px;
  background: var(--amber); color: var(--navy-dark);
  font-family: var(--font-display); font-size: .82rem; font-weight: 900;
  margin-bottom: 10px;
}
.legal-section h2 {
  font-family: var(--font-display);
  font-size: 1.3rem; color: var(--navy);
  margin-bottom: 16px; padding-bottom: 10px;
  border-bottom: 2px solid var(--border);
  line-height: 1.3;
}
.legal-section h3 {
  font-size: 1.05rem; color: var(--navy);
  margin: 24px 0 10px; font-weight: 700;
}
.legal-section h4 {
  font-size: .95rem; color: var(--navy-mid);
  margin: 18px 0 8px; font-weight: 700;
  font-family: var(--font-display);
}
.legal-section p {
  color: var(--text); font-size: .95rem;
  line-height: 1.8; margin-bottom: 14px;
}
.legal-section ul, .legal-section ol {
  padding-left: 20px; margin-bottom: 16px;
  list-style: disc;
}
.legal-section ol { list-style: decimal; }
.legal-section li {
  font-size: .93rem; color: var(--text);
  margin-bottom: 8px; line-height: 1.7;
}
.legal-section table {
  width: 100%; border-collapse: collapse; margin: 20px 0;
  font-size: .88rem;
}
.legal-section table th {
  background: var(--navy-dark); color: white;
  padding: 11px 14px; text-align: left;
}
.legal-section table td {
  padding: 10px 14px; border-bottom: 1px solid var(--border);
}
.legal-section table tr:nth-child(even) td { background: var(--bg); }

.legal-callout {
  background: var(--amber-light);
  border-left: 4px solid var(--amber);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px; margin: 20px 0;
  font-size: .9rem; color: var(--text);
}
.legal-callout strong { color: #6A4000; }
.legal-callout.info {
  background: #E0EEF9; border-left-color: #2068B8;
}
.legal-callout.info strong { color: #0A2D5C; }

.legal-contact-box {
  background: var(--navy-dark); border-radius: var(--radius-lg);
  padding: 28px 32px; margin-top: 32px; color: white;
}
.legal-contact-box h3 {
  font-family: var(--font-display); color: var(--amber);
  font-size: 1.1rem; margin-bottom: 12px;
}
.legal-contact-box p { color: rgba(255,255,255,.75); font-size: .9rem; margin-bottom: 8px; }
.legal-contact-box a { color: var(--amber); }

/* ---- HTML Sitemap ---- */
.sitemap-layout {
  max-width: 1100px; margin: 0 auto;
  padding: 52px 24px 72px;
}
.sitemap-intro {
  background: var(--bg); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
  padding: 24px 28px; margin-bottom: 40px;
  display: flex; align-items: center; gap: 16px;
}
.sitemap-intro-icon {
  width: 52px; height: 52px; background: var(--amber);
  border-radius: 10px; display: flex;
  align-items: center; justify-content: center;
  font-size: 1.5rem; flex-shrink: 0;
}
.sitemap-intro h2 {
  font-family: var(--font-display); font-size: 1.1rem;
  color: var(--navy); margin-bottom: 4px;
}
.sitemap-intro p { font-size: .88rem; color: var(--text-muted); margin: 0; }

.sitemap-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.sitemap-cat {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.sitemap-cat-head {
  padding: 14px 18px;
  background: var(--navy-dark);
  display: flex; align-items: center; gap: 10px;
}
.sitemap-cat-icon { font-size: 1.1rem; }
.sitemap-cat-head h3 {
  font-family: var(--font-display); font-size: .9rem;
  color: white; font-weight: 700;
}
.sitemap-cat-head span {
  margin-left: auto; font-size: .72rem;
  color: rgba(255,255,255,.45);
  background: rgba(255,255,255,.08);
  padding: 2px 8px; border-radius: 20px;
}
.sitemap-links { padding: 10px 0; }
.sitemap-link {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 18px; transition: .15s;
  border-bottom: 1px solid var(--border);
}
.sitemap-link:last-child { border-bottom: none; }
.sitemap-link:hover { background: var(--bg); text-decoration: none; }
.sitemap-link-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--amber); flex-shrink: 0;
}
.sitemap-link-text {
  flex: 1; font-size: .88rem; color: var(--text);
  font-weight: 500; line-height: 1.3;
}
.sitemap-link-text small {
  display: block; font-size: .75rem;
  color: var(--text-muted); font-weight: 400;
}
.sitemap-link-badge {
  font-size: .68rem; padding: 2px 7px;
  border-radius: 20px; font-weight: 600; flex-shrink: 0;
}
.sitemap-link-badge.new  { background: #E8F7EE; color: #1A6A40; }
.sitemap-link-badge.tool { background: var(--amber-light); color: #6A4000; }
.sitemap-link-badge.info { background: #E0EEF9; color: #0A2D5C; }

.sitemap-xml-box {
  margin-top: 36px; background: var(--bg2);
  border-radius: var(--radius-lg); padding: 24px 28px;
  border: 1.5px solid var(--border);
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; flex-wrap: wrap;
}
.sitemap-xml-box h3 {
  font-family: var(--font-display); font-size: 1rem;
  color: var(--navy); margin-bottom: 6px;
}
.sitemap-xml-box p { font-size: .85rem; color: var(--text-muted); margin: 0; }
.sitemap-xml-link {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--navy-dark); color: white;
  padding: 10px 20px; border-radius: 8px;
  font-size: .88rem; font-weight: 600; white-space: nowrap;
  transition: .15s;
}
.sitemap-xml-link:hover { background: var(--navy); color: white; text-decoration: none; }

/* ---- Legal Footer ---- */
.legal-footer {
  background: var(--navy-dark); color: rgba(255,255,255,.6);
  padding: 32px 24px;
  text-align: center; font-size: .8rem;
}
.legal-footer a { color: rgba(255,255,255,.55); margin: 0 8px; }
.legal-footer a:hover { color: var(--amber); }
.legal-footer-links { margin-bottom: 12px; display: flex; gap: 4px; flex-wrap: wrap; justify-content: center; }
.legal-footer-disc { max-width: 720px; margin: 14px auto 0; line-height: 1.6; font-size: .76rem; color: rgba(255,255,255,.35); }

/* ---- Responsive ---- */
@media (max-width: 900px) {
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; display: none; }
  .sitemap-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .sitemap-grid { grid-template-columns: 1fr; }
  .legal-nav { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
}