/*
Theme Name: Schwab Funding
Theme URI: https://example.com/schwab-funding
Author: Schwab Funding
Author URI: https://example.com
Description: A distinct multi-page business-funding marketplace theme for Schwab Funding. Premium institutional design (warm parchment, deep ink navy, copper accent) with a soft-pull-first, comparison-led messaging spine. Lead capture routes to a Calendly booking flow. Ships with Home, Business Loans, Line of Credit, Revenue-Based Financing, How It Works, About, FAQ, Book a Call, Privacy Policy and Terms pages auto-created on activation.
Version: 1.0.3
Requires at least: 6.0
Tested up to: 6.6
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: schwab-funding
*/

/* =====================================================================
   Schwab Funding — design system
   Archetype: premium institutional / "private-capital desk"
   Palette  : warm parchment + deep ink navy + copper
   Type     : Newsreader (display serif) + Hanken Grotesk (body grotesque)
   ===================================================================== */

:root{
  --ink:#16212c;
  --muted:#5a6470;
  --faint:#8a939c;

  --bg:#f4efe6;
  --paper:#fffdf8;
  --paper-2:#faf6ee;
  --border:#e4ddcf;
  --border-strong:#d6ccb8;

  --navy:#102132;
  --navy-2:#1c3346;
  --copper:#b3612d;
  --copper-2:#cf7c40;
  --copper-soft:#e9c9a8;

  --ring:rgba(179,97,45,.26);
  --shadow:0 24px 60px rgba(16,33,50,.12);
  --shadow-soft:0 14px 32px rgba(16,33,50,.08);

  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  --sans:"Hanken Grotesk",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;

  --measure:68ch;
  --rail:min(1180px,92vw);
}

*,*::before,*::after{ box-sizing:border-box; }

html{ scroll-behavior:smooth; }

body.schwab{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:var(--sans);
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}

body.schwab a{ color:var(--copper); text-decoration:none; }
body.schwab a:hover{ text-decoration:underline; text-underline-offset:3px; }

.schwab h1,.schwab h2,.schwab h3,.schwab h4{
  font-family:var(--serif);
  font-weight:500;
  line-height:1.1;
  letter-spacing:-.01em;
  color:var(--navy);
  margin:0 0 .55rem;
}
.schwab h1{ font-size:clamp(2.4rem,5.2vw,4rem); font-weight:400; }
.schwab h2{ font-size:clamp(1.8rem,3.4vw,2.6rem); }
.schwab h3{ font-size:1.28rem; }
.schwab p{ margin:0 0 1rem; color:var(--muted); }
.schwab strong{ color:var(--ink); }

.schwab .rail{ width:var(--rail); margin-inline:auto; }
.schwab .measure{ max-width:var(--measure); }
.schwab .sr-only{
  position:absolute; width:1px; height:1px; padding:0; margin:-1px;
  overflow:hidden; clip:rect(0,0,0,0); border:0;
}

/* skip link */
.schwab .skip{
  position:absolute; left:-999px; top:0; z-index:200;
  background:var(--navy); color:#fff; padding:.7rem 1rem; border-radius:0 0 .6rem 0;
}
.schwab .skip:focus{ left:0; }

/* ---------- eyebrow / labels ---------- */
.schwab .eyebrow{
  display:inline-flex; align-items:center; gap:.6rem;
  font-family:var(--sans); font-weight:700; font-size:.74rem;
  letter-spacing:.22em; text-transform:uppercase; color:var(--copper);
}
.schwab .eyebrow::before{
  content:""; width:26px; height:2px; background:var(--copper); display:inline-block;
}

/* =====================================================================
   Header / nav
   ===================================================================== */
.schwab-site-header{
  position:sticky; top:0; z-index:60;
  background:color-mix(in srgb,var(--bg) 86%,transparent);
  backdrop-filter:saturate(160%) blur(8px);
  border-bottom:1px solid var(--border);
}
.schwab-nav{
  display:flex; align-items:center; justify-content:space-between;
  gap:1.2rem; padding:1.05rem 0;
}
.schwab-brand{
  display:inline-flex; align-items:center; gap:.72rem;
  font-family:var(--serif); font-size:1.32rem; color:var(--navy);
  font-weight:500; letter-spacing:-.01em; white-space:nowrap;
}
.schwab-brand:hover{ text-decoration:none; }
.schwab-mark{
  width:40px; height:40px; border-radius:11px; flex:0 0 auto;
  display:grid; place-items:center;
  background:linear-gradient(150deg,var(--navy),var(--navy-2));
  color:var(--copper-soft); font-family:var(--serif); font-size:1.18rem; font-weight:600;
  border:1px solid rgba(16,33,50,.2);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.05);
}
.schwab-menu{
  display:flex; align-items:center; gap:1.45rem; list-style:none; margin:0; padding:0;
}
.schwab-menu a{
  color:var(--ink); font-weight:600; font-size:.97rem; letter-spacing:.01em;
}
.schwab-menu a:hover{ color:var(--copper); text-decoration:none; }
.schwab-menu .current a{ color:var(--copper); }

/* nav dropdown (CSS only) */
.schwab-has-sub{ position:relative; }
.schwab-sub{
  position:absolute; top:calc(100% + .7rem); left:50%; transform:translateX(-50%) translateY(6px);
  min-width:230px; background:var(--paper); border:1px solid var(--border);
  border-radius:14px; box-shadow:var(--shadow); padding:.5rem;
  list-style:none; margin:0; opacity:0; visibility:hidden; transition:.16s ease;
}
.schwab-sub::before{
  content:""; position:absolute; top:-7px; left:50%; transform:translateX(-50%) rotate(45deg);
  width:12px; height:12px; background:var(--paper); border-left:1px solid var(--border); border-top:1px solid var(--border);
}
.schwab-has-sub:hover .schwab-sub,
.schwab-has-sub:focus-within .schwab-sub{ opacity:1; visibility:visible; transform:translateX(-50%) translateY(0); }
.schwab-sub li{ margin:0; }
.schwab-sub a{
  display:block; padding:.6rem .75rem; border-radius:9px; font-size:.93rem; color:var(--ink);
}
.schwab-sub a:hover{ background:var(--paper-2); color:var(--copper); text-decoration:none; }

.schwab-nav-cta{ display:flex; align-items:center; gap:.7rem; }

/* mobile nav toggle */
.schwab-burger{
  display:none; background:none; border:1px solid var(--border-strong);
  border-radius:10px; width:44px; height:42px; cursor:pointer; align-items:center; justify-content:center;
}
.schwab-burger span,.schwab-burger span::before,.schwab-burger span::after{
  content:""; display:block; width:20px; height:2px; background:var(--navy); position:relative;
}
.schwab-burger span::before{ position:absolute; top:-6px; }
.schwab-burger span::after{ position:absolute; top:6px; }

@media (max-width:960px){
  .schwab-burger{ display:flex; }
  .schwab-menu{
    position:absolute; top:100%; left:0; right:0; flex-direction:column; align-items:stretch;
    gap:0; background:var(--paper); border-bottom:1px solid var(--border);
    padding:.5rem var(--rail-pad,4vw); max-height:0; overflow:hidden; transition:max-height .25s ease;
  }
  .schwab-menu li{ border-top:1px solid var(--border); }
  .schwab-menu li:first-child{ border-top:0; }
  .schwab-menu a{ display:block; padding:.85rem .2rem; }
  .schwab-sub{
    position:static; transform:none; opacity:1; visibility:visible; box-shadow:none; border:0;
    padding:0 0 .4rem 1rem; min-width:0;
  }
  .schwab-sub::before{ display:none; }
  .schwab-nav[data-open="true"] .schwab-menu{ max-height:640px; }
  .schwab-nav-desktop-cta{ display:none; }
}

/* =====================================================================
   Buttons
   ===================================================================== */
.schwab .btn{
  display:inline-flex; align-items:center; justify-content:center; gap:.5rem;
  font-family:var(--sans); font-weight:700; font-size:.97rem; letter-spacing:.01em;
  padding:.85rem 1.35rem; border-radius:999px; cursor:pointer; border:1px solid transparent;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space:nowrap; text-decoration:none;
}
.schwab .btn:hover{ text-decoration:none; transform:translateY(-1px); }
.schwab .btn-primary{
  background:var(--copper); color:#fff; box-shadow:0 14px 30px rgba(179,97,45,.24);
}
.schwab .btn-primary:hover{ background:var(--copper-2); box-shadow:0 18px 38px rgba(179,97,45,.3); }
.schwab .btn-ink{
  background:var(--navy); color:#f3ede2; border-color:rgba(16,33,50,.2);
  box-shadow:0 14px 30px rgba(16,33,50,.18);
}
.schwab .btn-ink:hover{ background:var(--navy-2); }
.schwab .btn-ghost{
  background:transparent; color:var(--navy); border-color:var(--border-strong);
}
.schwab .btn-ghost:hover{ border-color:var(--copper); color:var(--copper); }
.schwab .btn-lg{ padding:1.05rem 1.7rem; font-size:1.02rem; }

/* =====================================================================
   Hero
   ===================================================================== */
.schwab-hero{
  position:relative; overflow:hidden;
  background:
    radial-gradient(900px 520px at 88% -10%, rgba(179,97,45,.12), transparent 60%),
    radial-gradient(760px 520px at -8% 8%, rgba(16,33,50,.08), transparent 58%),
    var(--bg);
  border-bottom:1px solid var(--border);
}
.schwab-hero .rail{ padding:4.4rem 0 4rem; }
.schwab-hero-grid{
  display:grid; grid-template-columns:1.18fr .82fr; gap:3rem; align-items:center;
}
@media (max-width:980px){ .schwab-hero-grid{ grid-template-columns:1fr; gap:2.2rem; } }

.schwab-hero h1{ margin:1.1rem 0 1.2rem; }
.schwab-hero .lead{ font-size:1.16rem; max-width:56ch; }
.schwab-hero .hero-rule{
  width:64px; height:3px; background:var(--copper); margin:0 0 1.4rem;
}
.schwab-hero-cta{ display:flex; flex-wrap:wrap; gap:.85rem; margin:1.7rem 0 1.1rem; }
.schwab-hero-fine{ font-size:.86rem; color:var(--faint); max-width:52ch; }

/* hero side card */
.schwab-card{
  background:var(--paper); border:1px solid var(--border); border-radius:20px;
  box-shadow:var(--shadow); overflow:hidden;
}
.schwab-card-head{
  padding:1.3rem 1.4rem; border-bottom:1px solid var(--border);
  background:linear-gradient(150deg,var(--navy),var(--navy-2)); color:#f3ede2;
}
.schwab-card-head h3{ color:#fff; margin:0; font-size:1.28rem; }
.schwab-card-head p{ color:rgba(243,237,226,.78); margin:.3rem 0 0; font-size:.95rem; }
.schwab-card-body{ padding:1.4rem; }
.schwab-steps{ list-style:none; margin:0; padding:0; display:grid; gap:1rem; }
.schwab-steps li{ display:flex; gap:.9rem; align-items:flex-start; }
.schwab-steps .schwab-step-n{
  width:32px; height:32px; border-radius:999px; flex:0 0 auto;
  display:flex; align-items:center; justify-content:center; text-align:center;
  background:var(--copper); color:#fff;
  font-family:var(--sans); font-weight:700; font-size:.92rem; line-height:1;
  box-shadow:0 4px 12px rgba(179,97,45,.28);
}
.schwab-steps b{ color:var(--ink); display:block; font-size:1rem; }
.schwab-steps span{ color:var(--muted); font-size:.92rem; line-height:1.45; display:block; }

/* =====================================================================
   Generic sections
   ===================================================================== */
.schwab-section{ padding:4.4rem 0; }
.schwab-section.tint{ background:var(--paper-2); border-block:1px solid var(--border); }
.schwab-section.ink{
  background:linear-gradient(160deg,var(--navy),var(--navy-2)); color:#e9e3d7;
}
.schwab-section.ink h1,.schwab-section.ink h2,.schwab-section.ink h3{ color:#fff; }
.schwab-section.ink p{ color:rgba(233,227,215,.82); }

.schwab-section-head{ max-width:62ch; margin-bottom:2.2rem; }
.schwab-section-head h2{ margin-top:.7rem; }

/* feature / value cards */
.schwab-grid{ display:grid; gap:1.2rem; }
.schwab-grid.cols-3{ grid-template-columns:repeat(3,1fr); }
.schwab-grid.cols-2{ grid-template-columns:repeat(2,1fr); }
.schwab-grid.cols-4{ grid-template-columns:repeat(4,1fr); }
@media (max-width:980px){
  .schwab-grid.cols-3,.schwab-grid.cols-4{ grid-template-columns:1fr 1fr; }
}
@media (max-width:620px){
  .schwab-grid.cols-2,.schwab-grid.cols-3,.schwab-grid.cols-4{ grid-template-columns:1fr; }
}

.schwab-tile{
  background:var(--paper); border:1px solid var(--border); border-radius:16px;
  padding:1.5rem; box-shadow:var(--shadow-soft);
}
.schwab-tile h3{ margin:.4rem 0 .4rem; }
.schwab-tile .ic{
  width:44px; height:44px; border-radius:12px; display:grid; place-items:center;
  background:rgba(16,33,50,.06); border:1px solid var(--border); color:var(--navy);
  font-family:var(--serif); font-size:1.2rem; margin-bottom:.4rem;
}
.schwab-tile .ic.copper{ background:rgba(179,97,45,.1); border-color:rgba(179,97,45,.22); color:var(--copper); }
.schwab-section.ink .schwab-tile{
  background:rgba(255,255,255,.05); border-color:rgba(255,255,255,.12);
}
.schwab-section.ink .schwab-tile p{ color:rgba(233,227,215,.78); }
.schwab-section.ink .schwab-tile .ic{ background:rgba(255,255,255,.07); border-color:rgba(255,255,255,.15); color:var(--copper-soft); }

/* checklist */
.schwab-checks{ list-style:none; margin:0; padding:0; display:grid; gap:.9rem; }
.schwab-checks li{ display:flex; gap:.8rem; align-items:flex-start; }
.schwab-checks .ck{
  width:26px; height:26px; flex:0 0 auto; border-radius:999px; display:grid; place-items:center;
  background:rgba(179,97,45,.12); color:var(--copper); border:1px solid rgba(179,97,45,.24);
  font-size:.85rem; font-weight:800; margin-top:.1rem;
}

/* split block */
.schwab-split{ display:grid; grid-template-columns:1fr 1fr; gap:3rem; align-items:center; }
.schwab-split.narrow{ grid-template-columns:1.1fr .9fr; }
@media (max-width:920px){ .schwab-split,.schwab-split.narrow{ grid-template-columns:1fr; gap:2rem; } }

/* stat row */
.schwab-stats{ display:grid; grid-template-columns:repeat(4,1fr); gap:1.2rem; }
@media (max-width:760px){ .schwab-stats{ grid-template-columns:1fr 1fr; } }
.schwab-stat{
  background:var(--paper); border:1px dashed var(--border-strong); border-radius:16px;
  padding:1.4rem 1.2rem; text-align:left;
}
.schwab-stat .n{ font-family:var(--serif); font-size:1.9rem; color:var(--navy); line-height:1; }
.schwab-stat .l{ color:var(--muted); font-size:.94rem; margin-top:.4rem; }

/* comparison table */
.schwab-table{
  width:100%; border-collapse:collapse; background:var(--paper);
  border:1px solid var(--border); border-radius:16px; overflow:hidden;
}
.schwab-table th,.schwab-table td{ text-align:left; padding:1rem 1.1rem; border-top:1px solid var(--border); vertical-align:top; }
.schwab-table thead th{
  background:var(--paper-2); font-family:var(--sans); font-weight:700; color:var(--navy);
  font-size:.82rem; letter-spacing:.08em; text-transform:uppercase; border-top:0;
}
.schwab-table tbody td{ color:var(--muted); font-size:.96rem; }
.schwab-table tbody td:first-child{ color:var(--ink); font-weight:600; }
@media (max-width:680px){
  .schwab-table thead{ display:none; }
  .schwab-table tr{ display:block; border-top:1px solid var(--border); padding:.6rem 0; }
  .schwab-table td{ display:block; border:0; padding:.3rem 1.1rem; }
  .schwab-table td:first-child{ font-size:1.05rem; padding-top:.8rem; }
}

/* FAQ accordion */
.schwab-faq{ display:grid; gap:.85rem; max-width:var(--measure); }
.schwab-faq details{
  background:var(--paper); border:1px solid var(--border); border-radius:14px; padding:1.05rem 1.2rem;
  box-shadow:var(--shadow-soft);
}
.schwab-faq summary{
  cursor:pointer; font-family:var(--serif); font-size:1.1rem; color:var(--navy);
  list-style:none; display:flex; justify-content:space-between; gap:1rem; align-items:center;
}
.schwab-faq summary::-webkit-details-marker{ display:none; }
.schwab-faq summary::after{ content:"+"; color:var(--copper); font-size:1.4rem; font-family:var(--sans); }
.schwab-faq details[open] summary::after{ content:"–"; }
.schwab-faq details p{ margin:.8rem 0 0; }

/* CTA band */
.schwab-cta-band{
  background:linear-gradient(160deg,var(--navy),var(--navy-2)); color:#f3ede2;
  border-radius:22px; padding:2.6rem; display:flex; flex-wrap:wrap; gap:1.4rem;
  align-items:center; justify-content:space-between;
  box-shadow:var(--shadow);
}
.schwab-cta-band h2{ color:#fff; margin:0; max-width:24ch; }
.schwab-cta-band p{ color:rgba(243,237,226,.8); margin:.5rem 0 0; max-width:46ch; }

/* notes / callouts */
.schwab-note{
  border-left:3px solid var(--copper); background:var(--paper-2);
  padding:1rem 1.2rem; border-radius:0 12px 12px 0; color:var(--muted); font-size:.95rem;
}
.schwab-note.warn{ border-left-color:#b54e2b; background:#fbf0e9; }

/* prose (legal pages) */
.schwab-prose{ max-width:var(--measure); }
.schwab-prose h2{ margin-top:2.4rem; font-size:1.5rem; }
.schwab-prose h3{ margin-top:1.6rem; }
.schwab-prose ul,.schwab-prose ol{ color:var(--muted); padding-left:1.2rem; }
.schwab-prose li{ margin:.4rem 0; }

/* page hero (interior) */
.schwab-pagehero{
  background:
    radial-gradient(700px 360px at 92% -20%, rgba(179,97,45,.1), transparent 60%),
    var(--bg);
  border-bottom:1px solid var(--border); padding:3.4rem 0 3rem;
}
.schwab-pagehero .lead{ font-size:1.12rem; max-width:60ch; }

/* breadcrumb-ish meta */
.schwab-kicker-row{ display:flex; flex-wrap:wrap; gap:.6rem; margin-top:1.2rem; }
.schwab-chip{
  display:inline-flex; align-items:center; gap:.5rem; padding:.45rem .85rem; border-radius:999px;
  background:var(--paper); border:1px solid var(--border); font-size:.86rem; font-weight:600; color:var(--ink);
}
.schwab-chip::before{ content:""; width:7px; height:7px; border-radius:999px; background:var(--copper); }

/* =====================================================================
   Footer
   ===================================================================== */
.schwab-site-footer{
  background:var(--navy); color:rgba(233,227,215,.74); padding:3.4rem 0 2rem;
  border-top:1px solid rgba(255,255,255,.06);
}
.schwab-foot-grid{ display:grid; grid-template-columns:1.5fr 1fr 1fr 1fr; gap:2rem; }
@media (max-width:900px){ .schwab-foot-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:560px){ .schwab-foot-grid{ grid-template-columns:1fr; } }
.schwab-site-footer h4{
  color:#fff; font-family:var(--sans); font-size:.8rem; letter-spacing:.14em; text-transform:uppercase;
  margin:0 0 1rem;
}
.schwab-site-footer ul{ list-style:none; margin:0; padding:0; display:grid; gap:.55rem; }
.schwab-site-footer a{ color:rgba(233,227,215,.74); font-size:.95rem; }
.schwab-site-footer a:hover{ color:var(--copper-soft); }
.schwab-foot-brand .schwab-brand{ color:#fff; }
.schwab-foot-brand p{ color:rgba(233,227,215,.62); font-size:.92rem; max-width:40ch; margin-top:.9rem; }
.schwab-disclaimer{
  margin-top:2.4rem; padding-top:1.6rem; border-top:1px solid rgba(255,255,255,.1);
  font-size:.8rem; line-height:1.6; color:rgba(233,227,215,.55);
}
.schwab-disclaimer p{ color:inherit; margin:0 0 .7rem; }

/* WP admin bar offset safety */
body.admin-bar .schwab-site-header{ top:32px; }
@media (max-width:782px){ body.admin-bar .schwab-site-header{ top:46px; } }