/* AB Funding LLC — site design system (2026-10)
   Design read: trust-first equipment-finance brokerage for business owners and dealers.
   Language: "the ledger" — serif display, cool slate neutrals, one accent (the logo blue).
   Dials: DESIGN_VARIANCE 6 · MOTION_INTENSITY 4 · VISUAL_DENSITY 4
   Font: Geist (all text), Google Fonts, loaded in <head>. One family; hierarchy comes from weight, size and color. */

:root {
  --ink: #0b1826;
  --ink-2: #16263a;
  --text: #28384c;
  --muted: #5b6b7e;
  --faint: #8a98a8;
  --paper: #f3f6f9;
  --paper-2: #e8eef4;
  --white: #ffffff;
  --line: #d7e0e9;
  --line-2: #c3cfdb;
  --accent: #2878b5;
  --accent-ink: #1d5f8f;
  --accent-soft: #e3eef8;
  --accent-tint: rgba(40,120,181,0.10);
  --ok: #1f7a4d;
  --ok-soft: #e4f3ea;
  --warn: #9b5a16;
  --warn-soft: #fbf0e2;
  --danger: #9b2c2c;

  --font-display: 'Geist', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  --font-text: 'Geist', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;

  --shadow-1: 0 1px 2px rgba(11,24,38,0.06), 0 4px 14px rgba(11,24,38,0.06);
  --shadow-2: 0 2px 6px rgba(11,24,38,0.08), 0 18px 40px rgba(11,24,38,0.12);
  --shadow-accent: 0 10px 28px rgba(40,120,181,0.28);

  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 16px;

  --ease: cubic-bezier(.2,.7,.2,1);
  --t-fast: 160ms;
  --t-med: 260ms;

  --z-nav: 100;
  --z-overlay: 200;

  --container: 1180px;
  --gutter: clamp(20px, 4vw, 48px);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-text);
  font-size: 16.5px;
  line-height: 1.6;
  color: var(--text);
  background: var(--paper);
  font-feature-settings: "ss01" on;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; height: auto; }
a { color: var(--accent-ink); text-decoration: none; }
a:hover { color: var(--ink); }
strong, b { font-weight: 600; color: var(--ink); }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink); font-weight: 600; letter-spacing: -0.02em; line-height: 1.12; text-wrap: balance; }
h1 { font-size: clamp(34px, 4.2vw, 50px); letter-spacing: -0.025em; }
h2 { font-size: clamp(26px, 2.8vw, 34px); }
h3 { font-size: 19px; line-height: 1.3; }
h4 { font-size: 17px; line-height: 1.3; }
p { text-wrap: pretty; }
.num, .tnum { font-variant-numeric: tabular-nums; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 3px; }
::selection { background: var(--accent-soft); color: var(--ink); }

/* grain overlay: breaks digital flatness, pointer-events off */
body::before {
  content: ""; position: fixed; inset: 0; z-index: 0; pointer-events: none; opacity: .035;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
body > * { position: relative; z-index: 1; }

.skip-link { position: absolute; left: -9999px; top: 8px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: var(--r-sm); z-index: 999; }
.skip-link:focus { left: 12px; }

/* ---------- layout ---------- */
.wrap { max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.wrap-narrow { max-width: 760px; margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: clamp(56px, 8vw, 104px) 0 clamp(64px, 9vw, 120px); }
.section-tight { padding: clamp(40px, 6vw, 72px) 0; }
.section-white { background: var(--white); }
.section-line { border-top: 1px solid var(--line); }
.eyebrow {
  font-family: var(--font-text); font-size: 12.5px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--accent-ink); margin-bottom: 14px; display: flex; align-items: center; gap: 12px;
}
.eyebrow::before { content: ""; width: 28px; height: 1px; background: var(--accent); }
.lede { font-size: 17px; line-height: 1.6; color: var(--muted); max-width: 62ch; }
.measure { max-width: 66ch; }
.head { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 32px clamp(32px, 6vw, 96px); align-items: end; margin-bottom: clamp(36px, 5vw, 64px); }
.head .lede { padding-bottom: 6px; }
@media (max-width: 860px) { .head { grid-template-columns: 1fr; align-items: start; } }

/* ---------- nav ---------- */
nav {
  position: sticky; top: 0; z-index: var(--z-nav);
  background: var(--white);
  border-bottom: 1px solid var(--line); box-shadow: 0 1px 0 rgba(11,24,38,0.02), 0 6px 18px rgba(11,24,38,0.05);
  display: flex; align-items: center; justify-content: space-between;
  height: 76px; padding: 0 var(--gutter);
}
.nav-logo img { height: 40px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a {
  font-size: 14.5px; font-weight: 500; color: var(--text); padding: 9px 12px; border-radius: 999px;
  transition: background var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.nav-links a:hover { background: var(--paper); color: var(--ink); }
.nav-links a.active { color: var(--ink); background: var(--paper-2); }
.nav-links .nav-cta {
  background: var(--ink); color: #fff; margin-left: 10px; padding: 10px 18px; font-weight: 600;
  box-shadow: 0 6px 16px rgba(11,24,38,0.18);
}
.nav-links .nav-cta:hover { background: var(--accent-ink); color: #fff; transform: translateY(-1px); }
.nav-links .nav-cta:active { transform: translateY(0) scale(.98); }
.nav-toggle { display: none; background: none; border: 0; width: 44px; height: 44px; cursor: pointer; flex-direction: column; justify-content: center; align-items: center; gap: 5px; border-radius: var(--r-sm); }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform var(--t-med) var(--ease), opacity var(--t-fast); }
@media (max-width: 1040px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 2px;
    background: var(--white); border-bottom: 1px solid var(--line); padding: 10px var(--gutter) 18px;
    box-shadow: var(--shadow-2); display: none;
  }
  nav.navopen .nav-links { display: flex; }
  .nav-links a { padding: 12px 10px; border-radius: var(--r-sm); font-size: 16px; }
  .nav-links .nav-cta { margin: 8px 0 0; text-align: center; }
  nav.navopen .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  nav.navopen .nav-toggle span:nth-child(2) { opacity: 0; }
  nav.navopen .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

/* ---------- buttons ---------- */
.btn, .btn-primary, .btn-outline, .btn-outline-dark, .btn-white, .btn-ghost, .btn-go, .calc-cta, .quick-apply-btn, .submit-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-text); font-size: 16px; font-weight: 600; line-height: 1;
  padding: 15px 24px; border-radius: 999px; border: 1px solid transparent; cursor: pointer;
  text-decoration: none; white-space: nowrap;
  transition: transform var(--t-fast) var(--ease), background var(--t-fast) var(--ease), color var(--t-fast) var(--ease), box-shadow var(--t-med) var(--ease), border-color var(--t-fast);
}
.btn-primary, .btn-go, .calc-cta, .quick-apply-btn, .submit-btn { background: var(--accent); color: #fff; box-shadow: var(--shadow-accent); }
.btn-primary:hover, .btn-go:hover, .calc-cta:hover, .quick-apply-btn:hover, .submit-btn:hover { background: var(--accent-ink); color: #fff; transform: translateY(-1px); }
.btn-primary:active, .btn-go:active, .calc-cta:active, .quick-apply-btn:active, .submit-btn:active { transform: translateY(0) scale(.98); box-shadow: 0 4px 12px rgba(40,120,181,0.25); }
.btn-outline, .btn-outline-dark { background: transparent; color: var(--ink); border-color: var(--line-2); }
.btn-outline:hover, .btn-outline-dark:hover { border-color: var(--ink); background: var(--white); transform: translateY(-1px); }
.btn-white { background: #fff; color: var(--ink); }
.btn-white:hover { background: var(--paper-2); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.35); }
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,0.08); color: #fff; }
.btn-primary:active, .btn-outline:active, .btn-white:active, .btn-ghost:active { transform: scale(.98); }
.btn-link { font-weight: 600; color: var(--accent-ink); display: inline-flex; align-items: center; gap: 6px; }
.btn-link::after { content: "\2192"; transition: transform var(--t-fast) var(--ease); }
.btn-link:hover::after { transform: translateX(3px); }
.btn-go, .submit-btn, .quick-apply-btn, .calc-cta { width: 100%; }

/* ---------- surfaces ---------- */
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--shadow-1);
}
.panel { background: var(--white); border-radius: var(--r-lg); box-shadow: var(--shadow-2); }
.stat-num { font-family: var(--font-display); font-size: clamp(26px, 2.4vw, 32px); font-weight: 600; letter-spacing: -0.02em; color: var(--ink); font-variant-numeric: tabular-nums; line-height: 1; }
.stat-label { font-size: 13px; color: var(--muted); margin-top: 6px; letter-spacing: .01em; }

/* ledger rows: label left, value right, hairlines between */
.ledger { list-style: none; }
.ledger li { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.ledger li:last-child { border-bottom: 0; }
.ledger .k { color: var(--muted); font-size: 14.5px; }
.ledger .v { font-family: var(--font-display); font-size: 17px; font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; letter-spacing: -0.01em; white-space: nowrap; }
.ledger li.hl .v { color: var(--accent-ink); }

/* numbered editorial list (replaces card grids) */
.numlist { display: grid; grid-template-columns: 1fr 1fr; gap: 0 clamp(32px, 5vw, 72px); border-top: 1px solid var(--line-2); }
.numlist > div { padding: 30px 0 34px; border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 56px 1fr; gap: 18px; }
.numlist .n { font-family: var(--font-display); font-size: 13px; font-weight: 600; color: var(--accent-ink); padding-top: 4px; font-variant-numeric: tabular-nums; letter-spacing: .02em; }
.numlist h3 { font-size: 19px; margin-bottom: 8px; }
.numlist p { color: var(--muted); font-size: 15.5px; }
@media (max-width: 760px) { .numlist { grid-template-columns: 1fr; } }

/* definition rows (FAQ) */
.faq-item { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 10px clamp(24px, 4vw, 56px); padding: 26px 0 28px; border-bottom: 1px solid var(--line); }
.faq-item:first-of-type { border-top: 1px solid var(--line-2); }
.faq-item h3 { font-size: 18px; }
.faq-item p { color: var(--text); font-size: 15.5px; }
@media (max-width: 760px) { .faq-item { grid-template-columns: 1fr; } }

/* soft note */
.note { display: flex; gap: 14px; align-items: flex-start; padding: 18px 20px; border-radius: var(--r-md); background: var(--ok-soft); color: #154a30; font-size: 15px; border-left: 3px solid var(--ok); }
.note .mark { font-weight: 700; }

/* ---------- forms ---------- */
label { display: block; font-size: 13.5px; font-weight: 600; color: var(--ink); margin-bottom: 6px; letter-spacing: .01em; }
input[type=text], input[type=email], input[type=tel], input[type=number], select, textarea {
  width: 100%; font: inherit; font-size: 16px; color: var(--ink); background: var(--white);
  border: 1px solid var(--line-2); border-radius: var(--r-md); padding: 13px 14px;
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
  appearance: none; -webkit-appearance: none;
}
select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235b6b7e' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
textarea { min-height: 140px; resize: vertical; line-height: 1.5; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 4px var(--accent-tint); }
input::placeholder, textarea::placeholder { color: var(--faint); }
.form-err { display: none; margin-top: 12px; padding: 12px 14px; border-radius: var(--r-sm); background: #fbeaea; color: var(--danger); font-size: 14px; border-left: 3px solid var(--danger); }
.form-err.show { display: block; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 12px; text-align: center; line-height: 1.5; }

/* ---------- CTA band + footer: one continuous dark close ---------- */
.cta-band {
  background: var(--ink); color: #fff; text-align: center; padding: clamp(64px, 9vw, 112px) var(--gutter) clamp(56px, 8vw, 96px);
  position: relative; overflow: hidden;
}
.cta-band::before { content: ""; position: absolute; inset: auto -20% -60% -20%; height: 120%; background: radial-gradient(60% 50% at 50% 100%, rgba(40,120,181,0.45), transparent 70%); pointer-events: none; }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; font-size: clamp(28px, 3.2vw, 38px); margin-bottom: 14px; }
.cta-band p { color: rgba(255,255,255,0.72); font-size: 17px; max-width: 54ch; margin: 0 auto 30px; }
.cta-band a { color: #fff; }
.cta-row { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.cta-band .btn-primary { background: #fff; color: var(--ink); box-shadow: 0 10px 28px rgba(0,0,0,0.3); }
.cta-band .btn-primary:hover { background: var(--paper-2); color: var(--ink); }
.cta-call { margin-top: 22px !important; font-size: 14px !important; color: rgba(255,255,255,0.6) !important; }
.cta-call a { color: #fff; text-decoration: underline; text-underline-offset: 3px; }

footer {
  background: var(--ink); color: rgba(255,255,255,0.62); padding: 40px var(--gutter) 44px; border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 13.5px; text-align: left;
}
footer img { height: 34px; width: auto; filter: brightness(0) invert(1); opacity: .9; margin-bottom: 22px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 6px 22px; margin-bottom: 20px; max-width: 900px; }
.footer-links a { color: rgba(255,255,255,0.78); font-weight: 500; }
.footer-links a:hover { color: #fff; }
footer a { color: inherit; }

/* ---------- motion ---------- */
.reveal { opacity: 1; transform: none; }
@media (prefers-reduced-motion: no-preference) {
  .reveal { animation: rise .7s var(--ease) both; }
  .reveal.d1 { animation-delay: .08s; } .reveal.d2 { animation-delay: .16s; } .reveal.d3 { animation-delay: .24s; } .reveal.d4 { animation-delay: .32s; }
  @keyframes rise { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation: none !important; transition: none !important; } html { scroll-behavior: auto; } }

/* ---------- page hero (interior pages) ---------- */
.page-hero { padding: clamp(56px, 8vw, 96px) 0 clamp(40px, 6vw, 64px); }
.page-hero .wrap { display: grid; grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: 24px clamp(32px, 6vw, 96px); align-items: end; }
.page-hero h1 { font-size: clamp(32px, 4vw, 46px); }
.page-hero p { color: var(--muted); font-size: 17px; max-width: 52ch; }
.page-hero .side { font-size: 14px; color: var(--muted); border-left: 1px solid var(--line-2); padding-left: 20px; }
@media (max-width: 860px) { .page-hero .wrap { grid-template-columns: 1fr; } .page-hero .side { border-left: 0; padding-left: 0; } }