/* =========================================================
   LOAN CURE SOLUTIONS — TERMS & CONDITIONS
   Page-specific stylesheet
   ========================================================= */

.ltc-hero {
    position: relative;
    overflow: hidden;
    padding: 92px 0 88px;
    background: #0b1f33;
    color: #fff;
}

.ltc-hero::after {
    content: "";
    position: absolute;
    top: -260px;
    right: -170px;
    width: 600px;
    height: 600px;
    border: 1px solid rgba(214,179,106,.13);
    border-radius: 50%;
}

.ltc-hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(0,1.18fr) minmax(330px,.72fr);
    gap: 76px;
    align-items: center;
}

.ltc-hero-copy {
    max-width: 800px;
}

.ltc-hero h1 {
    margin: 18px 0 24px;
    max-width: 800px;
    color: #fff;
    font-family: "Playfair Display", serif;
    font-size: clamp(48px,6vw,78px);
    line-height: .98;
    letter-spacing: -.035em;
}

.ltc-hero h1 em {
    display: block;
    margin-top: 8px;
    color: #d6b36a;
    font-weight: 400;
}

.ltc-hero-lead {
    max-width: 690px;
    margin: 0;
    color: rgba(255,255,255,.78);
    font-size: 18px;
    line-height: 1.75;
}

.ltc-hero-panel {
    padding: 38px;
    border: 1px solid rgba(214,179,106,.38);
    background: rgba(255,255,255,.045);
    box-shadow: 0 28px 60px rgba(0,0,0,.18);
}

.ltc-panel-label {
    display: block;
    margin-bottom: 20px;
    color: #d6b36a;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .16em;
}

.ltc-hero-panel h2 {
    margin: 0 0 17px;
    color: #fff;
    font-size: 29px;
    line-height: 1.17;
}

.ltc-hero-panel > p {
    margin: 0;
    color: rgba(255,255,255,.7);
    font-size: 15px;
    line-height: 1.72;
}

.ltc-panel-meta {
    display: grid;
    grid-template-columns: repeat(2,minmax(0,1fr));
    gap: 1px;
    margin-top: 30px;
    background: rgba(255,255,255,.13);
}

.ltc-panel-meta div {
    padding: 17px;
    background: #102a43;
}

.ltc-panel-meta span {
    display: block;
    margin-bottom: 7px;
    color: #d6b36a;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .12em;
}

.ltc-panel-meta strong {
    color: #fff;
    font-size: 13px;
}

.ltc-intro {
    padding: 90px 0;
    background: #fff;
}

.ltc-intro-grid {
    display: grid;
    grid-template-columns: minmax(0,.92fr) minmax(0,1.08fr);
    gap: 90px;
}

.ltc-intro h2 {
    margin: 14px 0 0;
    max-width: 650px;
    color: #0b1f33;
    font-size: clamp(36px,4vw,52px);
    line-height: 1.08;
}

.ltc-intro-copy p {
    margin: 0 0 18px;
    color: #53606d;
    font-size: 16px;
    line-height: 1.78;
}

.ltc-body {
    padding: 90px 0 100px;
    background: #f7f5f0;
}

.ltc-layout {
    display: grid;
    grid-template-columns: 280px minmax(0,1fr);
    gap: 78px;
    align-items: start;
}

.ltc-sidebar {
    position: sticky;
    top: 105px;
}

.ltc-sidebar-inner {
    padding: 27px 25px;
    border-top: 3px solid #d6b36a;
    background: #0b1f33;
}

.ltc-sidebar-label {
    display: block;
    margin-bottom: 18px;
    color: #d6b36a;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .16em;
}

.ltc-sidebar nav {
    display: grid;
}

.ltc-sidebar a {
    display: grid;
    grid-template-columns: 28px 1fr;
    gap: 8px;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,.1);
    color: rgba(255,255,255,.78);
    font-size: 12px;
    line-height: 1.35;
    text-decoration: none;
    transition: color .2s ease, padding-left .2s ease;
}

.ltc-sidebar a span {
    color: #d6b36a;
    font-size: 10px;
}

.ltc-content {
    min-width: 0;
}

.ltc-policy-section {
    scroll-margin-top: 110px;
    padding: 0 0 68px;
    margin-bottom: 68px;
    border-bottom: 1px solid #d9d9d5;
}

.ltc-policy-section:last-child {
    margin-bottom: 0;
}

.ltc-section-number {
    margin-bottom: 16px;
    color: rgba(178,139,67,.38);
    font-family: "Playfair Display", serif;
    font-size: 50px;
    line-height: 1;
}

.ltc-policy-section h2 {
    margin: 12px 0 23px;
    max-width: 780px;
    color: #0b1f33;
    font-size: clamp(31px,3.4vw,46px);
    line-height: 1.09;
}

.ltc-policy-section > p {
    max-width: 850px;
    margin: 0 0 17px;
    color: #53606d;
    font-size: 16px;
    line-height: 1.78;
}

.ltc-note {
    margin: 27px 0;
    padding: 24px 27px;
    border-left: 3px solid #d6b36a;
    background: #fff;
}

.ltc-note strong {
    display: block;
    margin-bottom: 8px;
    color: #0b1f33;
    font-size: 16px;
}

.ltc-note p {
    margin: 0;
    color: #53606d;
    font-size: 15px;
    line-height: 1.7;
}

.ltc-outcome-grid {
    display: grid;
    grid-template-columns: repeat(2,minmax(0,1fr));
    gap: 14px;
    margin-top: 30px;
}

.ltc-outcome-grid > div {
    padding: 25px;
    border: 1px solid #dddcd6;
    background: #fff;
}

.ltc-outcome-grid span {
    display: block;
    margin-bottom: 17px;
    color: #b28b43;
    font-size: 11px;
    font-weight: 800;
}

.ltc-outcome-grid strong {
    display: block;
    margin-bottom: 9px;
    color: #0b1f33;
    font-size: 18px;
}

.ltc-outcome-grid p {
    margin: 0;
    color: #5b6670;
    font-size: 15px;
    line-height: 1.68;
}

.ltc-inline-link {
    display: inline-block;
    margin-top: 7px;
    color: #0b1f33;
    font-size: 15px;
    font-weight: 800;
    text-decoration: none;
    border-bottom: 1px solid #d6b36a;
}

.ltc-contact-card {
    display: grid;
    grid-template-columns: repeat(2,minmax(0,1fr));
    gap: 1px;
    margin-top: 30px;
    background: #d9d9d5;
}

.ltc-contact-card > div {
    padding: 25px;
    background: #fff;
}

.ltc-contact-card > div:last-child {
    grid-column: 1 / -1;
}

.ltc-contact-card span {
    display: block;
    margin-bottom: 9px;
    color: #b28b43;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .13em;
}

.ltc-contact-card a {
    color: #0b1f33;
    font-size: 15px;
    font-weight: 700;
    text-decoration: none;
}

.ltc-contact-card p {
    max-width: 650px;
    margin: 0;
    color: #53606d;
    font-size: 15px;
    line-height: 1.7;
}

.ltc-final {
    padding: 66px 0;
    background: #d6b36a;
}

.ltc-final-grid {
    display: grid;
    grid-template-columns: minmax(0,1fr) auto;
    gap: 55px;
    align-items: center;
}

.ltc-final h2 {
    margin: 10px 0;
    max-width: 780px;
    color: #0b1f33;
    font-size: clamp(34px,4vw,50px);
    line-height: 1.08;
}

.ltc-final p {
    max-width: 700px;
    margin: 0;
    color: rgba(11,31,51,.76);
    font-size: 16px;
    line-height: 1.7;
}

@media (hover:hover) and (pointer:fine) {
    .ltc-sidebar a:hover {
        padding-left: 5px;
        color: #fff;
    }

    .ltc-outcome-grid > div {
        transition:
            transform .25s ease,
            border-color .25s ease,
            box-shadow .25s ease;
    }

    .ltc-outcome-grid > div:hover {
        transform: translateY(-4px);
        border-color: rgba(178,139,67,.55);
        box-shadow: 0 14px 30px rgba(11,31,51,.08);
    }

    .ltc-inline-link:hover,
    .ltc-contact-card a:hover {
        color: #9d7837;
    }
}

@media (max-width: 980px) {
    .ltc-hero-grid,
    .ltc-intro-grid {
        grid-template-columns: 1fr;
        gap: 44px;
    }

    .ltc-layout {
        grid-template-columns: 1fr;
        gap: 45px;
    }

    .ltc-sidebar {
        position: static;
    }

    .ltc-sidebar nav {
        grid-template-columns: repeat(2,minmax(0,1fr));
        column-gap: 24px;
    }
}

@media (max-width: 700px) {
    .ltc-hero,
    .ltc-intro,
    .ltc-body {
        padding-top: 65px;
        padding-bottom: 65px;
    }

    .ltc-hero h1 {
        font-size: 47px;
    }

    .ltc-hero-panel {
        padding: 28px 24px;
    }

    .ltc-panel-meta,
    .ltc-outcome-grid,
    .ltc-contact-card,
    .ltc-sidebar nav {
        grid-template-columns: 1fr;
    }

    .ltc-contact-card > div:last-child {
        grid-column: auto;
    }

    .ltc-policy-section {
        padding-bottom: 52px;
        margin-bottom: 52px;
    }

    .ltc-final-grid {
        grid-template-columns: 1fr;
        gap: 28px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .ltc-sidebar a,
    .ltc-outcome-grid > div {
        transition: none;
    }

    .ltc-outcome-grid > div:hover {
        transform: none;
    }
}