/* Local Lenders — kokomolenders.com */
:root {
  --ink: #17150f;        /* near-black */
  --ink-soft: #3d3a30;
  --accent: #debb28;     /* brand gold */
  --accent-dark: #a8841a;
  --accent-soft: #f3e3bd;
  --paper: #faf8f2;      /* warm off-white */
  --card: #ffffff;
  --line: #e7dfc9;
  --text: #2d2b24;
  --muted: #6d675a;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(22, 50, 74, 0.10);
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-head: "Lora", Georgia, serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent-dark); }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 247, 241, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s, box-shadow .2s;
}
.site-header.scrolled { border-bottom-color: var(--line); box-shadow: 0 4px 18px rgba(22,50,74,.08); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand-logo { height: 58px; width: auto; background: #fff; border-radius: 10px; padding: 6px 14px; box-shadow: 0 2px 10px rgba(23,21,15,.08); }
.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: 15px; }
.main-nav a:hover { color: var(--accent-dark); }
.nav-cta {
  background: var(--ink); color: #fff !important;
  padding: 10px 20px; border-radius: 999px;
}
.nav-cta:hover { background: var(--accent-dark); }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; flex-direction: column; gap: 5px; padding: 8px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); border-radius: 2px; }

/* Hero */
.hero {
  background: radial-gradient(1200px 500px at 20% -10%, rgba(222,187,40,.16), transparent 60%),
              linear-gradient(180deg, #0c0b08 0%, #17150f 100%);
  color: #fff; padding: 96px 0 88px; text-align: center;
}
.hero-kicker { letter-spacing: .22em; text-transform: uppercase; font-size: 12px; color: var(--accent); font-weight: 600; margin-bottom: 18px; }
.hero-title { font-family: var(--font-head); font-size: clamp(52px, 9vw, 108px); font-weight: 700; line-height: 1.05; letter-spacing: -0.01em; }
.hero-tagline { font-size: clamp(18px, 2.6vw, 24px); color: var(--accent-soft); margin-top: 14px; font-weight: 500; }
.hero-sub { max-width: 700px; margin: 22px auto 0; color: #d8d2c2; font-size: 17px; }
.hero-actions { margin-top: 36px; display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn { display: inline-block; text-decoration: none; font-weight: 700; font-size: 16px; padding: 14px 30px; border-radius: 999px; transition: transform .15s, background .15s; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--accent); color: #1c1c1c; }
.btn-primary:hover { background: #d89a35; }
.btn-ghost { border: 2px solid rgba(255,255,255,.4); color: #fff; }
.btn-ghost:hover { border-color: #fff; }

/* Stats */
.stats { background: #fff; border-bottom: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); text-align: center; padding: 30px 24px; gap: 12px; }
.stat-num { display: block; font-family: var(--font-head); font-size: 40px; font-weight: 700; color: var(--ink); }
.stat-label { font-size: 13px; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); font-weight: 600; }

/* Sections */
.section { padding: 84px 0; }
.section-alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-kicker { text-transform: uppercase; letter-spacing: .22em; font-size: 12px; font-weight: 700; color: var(--accent-dark); margin-bottom: 12px; }
.section-title { font-family: var(--font-head); font-size: clamp(30px, 4.5vw, 44px); color: var(--ink); font-weight: 700; line-height: 1.15; margin-bottom: 14px; }
.section-lead { max-width: 720px; color: var(--muted); font-size: 18px; margin-bottom: 40px; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; }
.two-col h3 { font-family: var(--font-head); color: var(--ink); font-size: 22px; margin-bottom: 10px; }
.two-col p { color: var(--text); }

/* Impact cards */
.card-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); }
.card h3 { font-family: var(--font-head); color: var(--ink); font-size: 21px; margin-bottom: 10px; }
.card p { color: var(--text); font-size: 15.5px; }

/* Membership requirements */
.req-list { list-style: none; display: grid; gap: 18px; max-width: 800px; }
.req-list li { display: flex; gap: 20px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 28px; box-shadow: var(--shadow); }
.req-num { flex: 0 0 52px; height: 52px; border-radius: 50%; background: var(--ink); color: #fff; font-family: var(--font-head); font-size: 24px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.req-list strong { color: var(--ink); font-size: 18px; }
.req-list p { color: var(--muted); margin-top: 4px; }

.directory-note { text-align: center; color: var(--muted); font-size: 14px; font-style: italic; margin: -24px 0 24px; }
/* Directory */
.member-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.member-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column; box-shadow: var(--shadow); transition: transform .15s, box-shadow .2s; }
.member-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(22,50,74,.14); }
.member-top { min-height: 84px; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 12px; }
.member-logo { max-height: 72px; max-width: 220px; width: auto; object-fit: contain; }
.member-monogram { width: 64px; height: 64px; border-radius: 16px; background: var(--ink); color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 24px; display: flex; align-items: center; justify-content: center; }
.member-name { font-family: var(--font-head); color: var(--ink); font-size: 21px; line-height: 1.25; text-align: center; }
.member-sub { text-align: center; color: var(--muted); font-size: 13.5px; margin-top: 2px; }
.member-badge { display: inline-block; align-self: center; margin-top: 10px; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent-dark); background: rgba(222,187,40,.12); border: 1px solid rgba(222,187,40,.35); padding: 4px 12px; border-radius: 999px; }
.member-website { display: block; text-align: center; margin-top: 8px; font-size: 14px; font-weight: 600; color: var(--accent-dark); text-decoration: none; }
.member-website:hover { text-decoration: underline; }
.contact-list { list-style: none; margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--line); display: grid; gap: 14px; }
.contact-name { display: block; font-weight: 700; color: var(--ink); font-size: 15.5px; }
.contact-title { font-weight: 500; color: var(--muted); font-size: 13px; }
.contact-actions { display: flex; gap: 8px; margin-top: 8px; flex-wrap: wrap; }
.mini-btn {
  display: inline-block; font-size: 13px; font-weight: 600; line-height: 1;
  padding: 8px 16px; border-radius: 999px;
  border: 1.5px solid var(--accent-dark); color: var(--ink);
  text-decoration: none; background: #fff;
  transition: background .15s, color .15s, border-color .15s;
}
.mini-btn:hover { background: var(--accent); border-color: var(--accent); color: #17150f; }

/* Join */
.join { background: linear-gradient(180deg, #0c0b08 0%, #17150f 100%); color: #fff; }
.join .section-title { color: #fff; }
.join .section-kicker { color: var(--accent); }
/* Join / application form */
.join .section-lead.light { color: #d8d2c2; }
.app-form { background: #fff; border-radius: var(--radius); padding: 40px; box-shadow: 0 20px 60px rgba(0,0,0,.35); max-width: 880px; margin: 0 auto; color: var(--text); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px 24px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.span-2 { grid-column: span 2; }
.field label, .radio-group legend { font-weight: 600; font-size: 14.5px; color: var(--ink); }
.radio-group legend { padding: 0; margin-bottom: 4px; }
.req { color: #b3261e; }
.field input[type="text"], .field input[type="email"], .field input[type="tel"],
.field input[type="number"], .field select, .field textarea {
  font: inherit; font-size: 15.5px; color: var(--text);
  border: 1.5px solid #d8d0ba; border-radius: 10px; padding: 12px 14px; background: #fffdf8;
  width: 100%;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--accent-dark); box-shadow: 0 0 0 3px rgba(222,187,40,.25);
}
.field input.invalid, .field select.invalid { border-color: #b3261e; }
.field textarea { resize: vertical; min-height: 96px; }
.radio-group { border: 0; }
.radio-group .radio { display: inline-flex; align-items: center; gap: 8px; font-weight: 500; margin-right: 28px; cursor: pointer; }
.radio input { width: 18px; height: 18px; accent-color: var(--accent-dark); }
.check label { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; font-size: 14.5px; cursor: pointer; }
.check input { width: 20px; height: 20px; margin-top: 2px; flex-shrink: 0; accent-color: var(--accent-dark); }
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }
.app-form .btn { margin-top: 26px; border: 0; cursor: pointer; }
.app-form .btn:disabled { opacity: .6; cursor: wait; transform: none; }
.form-error { color: #b3261e; font-weight: 600; margin-top: 18px; }
.form-success { margin-top: 26px; background: #f0f7e8; border: 1px solid #b8d48a; border-radius: 10px; padding: 24px 28px; }
.form-success h3 { font-family: var(--font-head); color: #2f5d1e; margin-bottom: 6px; }
.form-note { text-align: center; margin-top: 28px; color: #d8d2c2; }
.form-note a { color: var(--accent); }

/* Footer */
.site-footer { background: #0c0b08; color: #b3ac99; padding: 52px 0 40px; }
.footer-inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; align-items: flex-start; }
.footer-logo { background: #fff; border-radius: 12px; padding: 10px 18px; width: 220px; height: auto; }
.footer-motto { margin-top: 12px; font-style: italic; color: var(--accent); }
.footer-meta p { font-size: 14px; margin-bottom: 4px; }
.equal-housing { margin: 14px 0 4px; width: 72px; height: auto; background: #fff; border-radius: 8px; padding: 6px; }
.copyright { margin-top: 12px; color: #7a7462; }

/* Motto graphic */
.motto-graphic { margin: 8px auto 40px; max-width: 560px; }
.motto-graphic img { width: 100%; height: auto; }

/* Responsive */
@media (max-width: 900px) {
  .member-grid { grid-template-columns: repeat(2, 1fr); }
  .card-grid { grid-template-columns: 1fr; }
  .two-col { grid-template-columns: 1fr; gap: 28px; }
  .form-grid { grid-template-columns: 1fr; }
  .field.span-2 { grid-column: span 1; }
  .app-form { padding: 28px 22px; }
}
@media (max-width: 640px) {
  .main-nav { display: none; position: absolute; top: 76px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 12px 24px 20px; border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px rgba(22,50,74,.10); }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .main-nav a:last-child { border-bottom: 0; }
  .nav-cta { text-align: center; margin-top: 8px; }
  .nav-toggle { display: flex; }
  .member-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; gap: 20px; }
  .section { padding: 60px 0; }
  .hero { padding: 72px 0 64px; }
}