/* =========================================================
   Nathan Carpenter — Mortgage Loan Officer
   Design tokens
   ========================================================= */
:root{
  --navy-deep:   #0E1B2C;
  --navy:        #16283F;
  --navy-soft:   #22374F;
  --brass:       #B8863E;
  --brass-dark:  #96692B;
  --cream:       #F8F6F1;
  --paper:       #FFFFFF;
  --slate:       #3B4753;
  --slate-light: #74808C;
  --line:        #DED6C6;

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --max-w: 1160px;
  --radius: 4px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--slate);
  background:var(--cream);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; }
h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--navy);
  line-height:1.15;
  margin:0 0 0.5em;
}
p{ margin:0 0 1.1em; }
ul,ol{ margin:0 0 1.1em; padding-left:1.3em; }
li{ margin-bottom:0.4em; }
.container{
  width:100%;
  max-width:var(--max-w);
  margin:0 auto;
  padding:0 24px;
}
.eyebrow{
  font-family:var(--font-body);
  font-size:0.78rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--brass-dark);
  font-weight:600;
  display:inline-block;
  margin-bottom:0.75em;
}
.link-inline{
  color:var(--brass-dark);
  text-decoration:underline;
  text-decoration-color:rgba(184,134,62,0.45);
  text-underline-offset:3px;
  font-weight:600;
}
.link-inline:hover{ color:var(--navy); text-decoration-color:var(--navy); }

/* focus visibility */
a:focus-visible,button:focus-visible,summary:focus-visible{
  outline:3px solid var(--brass);
  outline-offset:2px;
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration:0.001ms !important; transition-duration:0.001ms !important; scroll-behavior:auto !important; }
}

/* =========================================================
   Header
   ========================================================= */
.site-header{
  position:sticky;
  top:0;
  z-index:100;
  background:var(--navy-deep);
  border-bottom:1px solid rgba(255,255,255,0.08);
}
.site-header .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding-top:14px;
  padding-bottom:14px;
}
.brand{
  font-family:var(--font-display);
  font-size:1.15rem;
  font-weight:600;
  color:#F4EFE4;
  letter-spacing:0.01em;
  text-decoration:none;
}
.brand span{ color:var(--brass); }
.header-actions{
  display:flex;
  align-items:center;
  gap:18px;
}
.header-phone{
  color:#DCE3EA;
  font-weight:600;
  text-decoration:none;
  font-size:0.95rem;
  white-space:nowrap;
}
.header-phone:hover{ color:var(--brass); }

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  font-family:var(--font-body);
  font-weight:700;
  font-size:0.95rem;
  padding:12px 22px;
  border-radius:var(--radius);
  border:1px solid transparent;
  text-decoration:none;
  cursor:pointer;
  transition:background-color .15s ease, color .15s ease, border-color .15s ease, transform .1s ease;
  white-space:nowrap;
}
.btn:active{ transform:translateY(1px); }
.btn-primary{
  background:var(--brass);
  color:var(--navy-deep);
}
.btn-primary:hover{ background:#c99a52; }
.btn-outline{
  background:transparent;
  color:#F4EFE4;
  border-color:rgba(244,239,228,0.4);
}
.btn-outline:hover{ border-color:var(--brass); color:var(--brass); }
.btn-block{ width:100%; }

/* =========================================================
   Hero
   ========================================================= */
.hero{
  background:var(--navy);
  color:#EDE7D8;
  padding:64px 0 84px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  right:-120px;
  top:-120px;
  width:420px;
  height:420px;
  border-radius:50%;
  background:radial-gradient(circle, rgba(184,134,62,0.16) 0%, rgba(184,134,62,0) 70%);
}
.hero .container{
  display:grid;
  grid-template-columns:1.1fr 0.9fr;
  gap:52px;
  align-items:center;
  position:relative;
}
.hero h1{
  color:#FBF8F1;
  font-size:clamp(2rem, 4vw, 2.9rem);
  font-weight:600;
  margin-bottom:0.45em;
}
.hero-lead{
  font-size:1.08rem;
  color:#C9D1DA;
  max-width:46ch;
  margin-bottom:1.6em;
}
.hero-cta-row{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:18px;
}
.hero-phone-link{
  display:flex;
  flex-direction:column;
  text-decoration:none;
  color:#EDE7D8;
}
.hero-phone-link small{
  color:var(--slate-light);
  font-size:0.78rem;
  text-transform:uppercase;
  letter-spacing:0.08em;
}
.hero-phone-link strong{ font-size:1.1rem; }
.hero-phone-link:hover strong{ color:var(--brass); }

/* Loan estimate card — signature element */
.loan-card{
  background:var(--paper);
  color:var(--slate);
  border-radius:6px;
  box-shadow:0 24px 60px -20px rgba(0,0,0,0.45);
  overflow:hidden;
  border:1px solid var(--line);
}
.loan-card-head{
  background:var(--navy-deep);
  color:#F4EFE4;
  padding:16px 22px;
  display:flex;
  justify-content:space-between;
  align-items:baseline;
}
.loan-card-head .eyebrow{ color:var(--brass); margin:0; }
.loan-card-head span{ font-size:0.78rem; color:#B9C2CC; }
.loan-card-body{ padding:20px 22px 8px; }
.loan-line{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:12px 0;
  border-bottom:1px dashed var(--line);
  font-size:0.94rem;
}
.loan-line:last-child{ border-bottom:none; }
.loan-line .num{
  font-family:var(--font-display);
  font-weight:600;
  color:var(--navy);
  min-width:26px;
}
.loan-line .label{ flex:1; padding:0 12px; color:var(--slate); }
.loan-line .value{ font-weight:700; color:var(--brass-dark); text-align:right; }
.loan-card-foot{
  background:var(--cream);
  padding:14px 22px;
  font-size:0.82rem;
  color:var(--slate-light);
  border-top:1px solid var(--line);
}

/* =========================================================
   Trust strip
   ========================================================= */
.trust-strip{
  background:var(--paper);
  border-bottom:1px solid var(--line);
}
.trust-strip .container{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:20px;
  padding-top:28px;
  padding-bottom:28px;
  text-align:center;
}
.trust-item strong{
  display:block;
  font-family:var(--font-display);
  font-size:1.6rem;
  color:var(--navy);
}
.trust-item span{
  font-size:0.82rem;
  color:var(--slate-light);
}

/* =========================================================
   Article / content sections
   ========================================================= */
.article-section{
  padding:56px 0;
}
.article-section.alt{ background:var(--paper); }
.article-section .container{ max-width:820px; }
.article-section h2{
  font-size:clamp(1.5rem, 2.6vw, 1.9rem);
  margin-top:0.2em;
}
.article-section h3{
  font-size:1.2rem;
  margin-top:1.4em;
}
.section-kicker{
  display:flex;
  align-items:center;
  gap:12px;
  margin-bottom:0.6em;
}
.section-kicker .eyebrow{ margin:0; }
.section-kicker::after{
  content:"";
  flex:1;
  height:1px;
  background:var(--line);
}

.service-grid{
  display:grid;
  grid-template-columns:repeat(2, 1fr);
  gap:16px;
  margin:1.4em 0;
  padding:0;
  list-style:none;
}
.service-grid li{
  background:var(--cream);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:14px 16px;
  font-weight:600;
  color:var(--navy);
  margin:0;
  font-size:0.94rem;
}

.process-list{
  list-style:none;
  padding:0;
  margin:1.6em 0;
  counter-reset:step;
}
.process-list li{
  counter-increment:step;
  position:relative;
  padding:0 0 22px 48px;
  border-left:2px solid var(--line);
  margin-left:16px;
}
.process-list li:last-child{ border-left-color:transparent; padding-bottom:0; }
.process-list li::before{
  content:counter(step);
  position:absolute;
  left:-19px;
  top:0;
  width:36px;
  height:36px;
  border-radius:50%;
  background:var(--navy);
  color:var(--brass);
  font-family:var(--font-display);
  font-weight:700;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:0.95rem;
}
.process-list h3{ margin-top:0; margin-bottom:0.3em; }

.pull-note{
  background:var(--cream);
  border-left:3px solid var(--brass);
  padding:16px 20px;
  border-radius:0 var(--radius) var(--radius) 0;
  font-size:0.95rem;
  color:var(--slate);
  margin:1.6em 0;
}

/* =========================================================
   FAQ
   ========================================================= */
.faq-list{
  margin-top:1.4em;
}
.faq-item{
  background:var(--cream);
  border:1px solid var(--line);
  border-radius:var(--radius);
  margin-bottom:12px;
  overflow:hidden;
}
.faq-question{
  width:100%;
  text-align:left;
  background:none;
  border:none;
  padding:16px 20px;
  font-family:var(--font-body);
  font-weight:700;
  font-size:1rem;
  color:var(--navy);
  cursor:pointer;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:12px;
}
.faq-question .icon{
  flex-shrink:0;
  width:22px;
  height:22px;
  border-radius:50%;
  border:1.5px solid var(--brass);
  display:flex;
  align-items:center;
  justify-content:center;
  color:var(--brass-dark);
  font-size:1rem;
  transition:transform .2s ease;
}
.faq-item.open .faq-question .icon{ transform:rotate(45deg); }
.faq-answer{
  max-height:0;
  overflow:hidden;
  transition:max-height .25s ease;
  padding:0 20px;
}
.faq-item.open .faq-answer{ padding-bottom:18px; }
.faq-answer p{ margin:0; color:var(--slate); font-size:0.95rem; }

/* =========================================================
   Contact section
   ========================================================= */
.contact-section{
  background:var(--navy);
  color:#EDE7D8;
  padding:64px 0;
}
.contact-section .container{ max-width:var(--max-w); }
.contact-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:40px;
  align-items:start;
}
.contact-section h2{ color:#FBF8F1; }
.contact-card{
  background:rgba(255,255,255,0.05);
  border:1px solid rgba(255,255,255,0.12);
  border-radius:6px;
  padding:26px;
}
.contact-row{
  display:flex;
  gap:14px;
  padding:14px 0;
  border-bottom:1px solid rgba(255,255,255,0.1);
}
.contact-row:last-child{ border-bottom:none; }
.contact-row .k{
  font-size:0.72rem;
  text-transform:uppercase;
  letter-spacing:0.08em;
  color:var(--brass);
  display:block;
  margin-bottom:4px;
}
.contact-row a{ color:#EDE7D8; text-decoration:none; font-weight:600; }
.contact-row a:hover{ color:var(--brass); }

/* =========================================================
   Footer
   ========================================================= */
.site-footer{
  background:var(--navy-deep);
  color:#9DA9B5;
  padding:30px 0;
  font-size:0.85rem;
}
.footer-inner{
  display:flex;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:12px;
  align-items:center;
}
.footer-inner a{ color:#C9D1DA; text-decoration:none; }
.footer-inner a:hover{ color:var(--brass); }

/* =========================================================
   Skip link
   ========================================================= */
.skip-link{
  position:absolute;
  left:-999px;
  top:auto;
  background:var(--brass);
  color:var(--navy-deep);
  padding:10px 16px;
  z-index:1000;
  font-weight:700;
  border-radius:0 0 4px 0;
}
.skip-link:focus{ left:0; top:0; }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 880px){
  .hero .container{ grid-template-columns:1fr; }
  .hero{ padding:44px 0 56px; }
  .trust-strip .container{ grid-template-columns:repeat(2,1fr); }
  .contact-grid{ grid-template-columns:1fr; }
  .service-grid{ grid-template-columns:1fr; }
}
@media (max-width: 560px){
  .header-phone{ display:none; }
  .hero-cta-row{ flex-direction:column; align-items:flex-start; }
  .footer-inner{ flex-direction:column; align-items:flex-start; }
}