@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --blue-900: #0a1628;
  --blue-800: #0f2240;
  --blue-700: #1a3a6b;
  --blue-600: #1e4d9b;
  --blue-500: #2563eb;
  --blue-400: #3b82f6;
  --blue-100: #dbeafe;
  --blue-50:  #eff6ff;
  --white:    #ffffff;
  --gray-50:  #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --accent:   #f59e0b;
  --accent-light: #fef3c7;

  --font-display: 'DM Serif Display', serif;
  --font-body:    'DM Sans', sans-serif;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.14);
  --transition: 0.22s cubic-bezier(0.4,0,0.2,1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

/* ── Typography ── */
h1, h2, h3 { font-family: var(--font-display); line-height: 1.15; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
p  { font-size: 1.05rem; color: var(--gray-600); }

a { text-decoration: none; color: inherit; }

/* ── Layout ── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
section { padding: 96px 0; }
.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-500);
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  border-radius: 100px;
  padding: 4px 14px;
  margin-bottom: 16px;
}
.section-header { text-align: center; margin-bottom: 56px; }
.section-header p { max-width: 600px; margin: 14px auto 0; font-size: 1.1rem; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  padding: 13px 26px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
}
.btn-primary {
  background: var(--blue-500);
  color: var(--white);
  border-color: var(--blue-500);
}
.btn-primary:hover {
  background: var(--blue-600);
  border-color: var(--blue-600);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(37,99,235,0.28);
}
.btn-outline {
  background: transparent;
  color: var(--blue-500);
  border-color: var(--blue-500);
}
.btn-outline:hover {
  background: var(--blue-50);
  transform: translateY(-1px);
}
.btn-white {
  background: var(--white);
  color: var(--blue-700);
  border-color: var(--white);
}
.btn-white:hover {
  background: var(--blue-50);
  transform: translateY(-1px);
}

/* ── NAV ── */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-logo {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--blue-800);
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-logo span { color: var(--blue-500); }
.nav-logo-icon {
  width: 36px; height: 36px;
  background: var(--blue-500);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 1rem;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}
.nav-links a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--gray-600);
  transition: color var(--transition);
}
.nav-links a:hover, .nav-links a.active { color: var(--blue-600); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.nav-hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--gray-800); border-radius: 2px;
  transition: all var(--transition);
}
@media (max-width: 900px) {
  .nav-links, .nav-cta .btn-outline { display: none; }
  .nav-hamburger { display: flex; }
  .nav-mobile {
    display: flex; flex-direction: column; gap: 0;
    background: white; border-top: 1px solid var(--gray-200);
    padding: 0; overflow: hidden; max-height: 0;
    transition: max-height 0.3s ease, padding 0.3s ease;
  }
  .nav-mobile.open { max-height: 400px; padding: 12px 0 20px; }
  .nav-mobile a {
    display: block; padding: 12px 24px;
    font-weight: 500; color: var(--gray-700);
  }
  .nav-mobile a:hover { background: var(--gray-50); }
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 60%, var(--blue-600) 100%);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.82rem; font-weight: 600;
  color: rgba(255,255,255,0.9);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { font-style: italic; color: #93c5fd; }
.hero-sub {
  color: rgba(255,255,255,0.78);
  font-size: 1.15rem;
  max-width: 520px;
  margin-bottom: 36px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust {
  display: flex; align-items: center; gap: 20px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.7); font-size: 0.88rem;
}
.hero-trust-item svg { flex-shrink: 0; }

/* Lead Card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-lg);
}
.hero-card h3 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--blue-900);
  margin-bottom: 6px;
}
.hero-card .card-sub {
  font-size: 0.88rem; color: var(--gray-400); margin-bottom: 24px;
}
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block; font-size: 0.82rem; font-weight: 600;
  color: var(--gray-600); margin-bottom: 6px;
}
.form-group input, .form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--gray-800);
  background: var(--gray-50);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.form-group input:focus, .form-group select:focus {
  border-color: var(--blue-500);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.12);
  background: white;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-submit { width: 100%; padding: 14px; font-size: 1rem; border-radius: var(--radius-sm); margin-top: 6px; }
.form-disclaimer { font-size: 0.76rem; color: var(--gray-400); text-align: center; margin-top: 12px; line-height: 1.5; }

@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 480px; margin: 0 auto; }
}

/* ── STATS BAR ── */
.stats-bar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  padding: 28px 0;
}
.stats-bar .container {
  display: flex; justify-content: space-around; flex-wrap: wrap; gap: 24px;
}
.stat-item { text-align: center; }
.stat-number {
  font-family: var(--font-display);
  font-size: 2rem;
  color: var(--blue-700);
  line-height: 1;
}
.stat-label { font-size: 0.82rem; color: var(--gray-400); margin-top: 4px; }

/* ── POSITIONING STRIP ── */
.positioning-strip {
  background: var(--blue-500);
  padding: 20px 0;
  text-align: center;
}
.positioning-strip p {
  color: white;
  font-size: 1.05rem;
  font-weight: 500;
}
.positioning-strip strong { color: var(--accent-light); }

/* ── HOW IT WORKS ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  position: relative;
  transition: box-shadow var(--transition), transform var(--transition);
}
.step-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.step-num {
  width: 44px; height: 44px;
  background: var(--blue-50);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--blue-600);
  margin-bottom: 18px;
}
.step-card h3 { font-size: 1.12rem; color: var(--blue-900); margin-bottom: 10px; }
.step-card p  { font-size: 0.93rem; }
@media (max-width: 768px) { .steps-grid { grid-template-columns: 1fr; } }

/* ── DIFFERENTIATORS ── */
.diff-section { background: var(--gray-50); }
.diff-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.diff-card {
  background: white;
  border-radius: var(--radius-md);
  padding: 30px 28px;
  display: flex; gap: 18px;
  border: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}
.diff-card:hover { box-shadow: var(--shadow-md); }
.diff-icon {
  flex-shrink: 0;
  width: 48px; height: 48px;
  background: var(--blue-50);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.diff-card h3 { font-size: 1.05rem; color: var(--blue-900); margin-bottom: 6px; }
.diff-card p  { font-size: 0.9rem; }
@media (max-width: 768px) { .diff-grid { grid-template-columns: 1fr; } }

/* ── TESTIMONIALS ── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testi-card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  transition: box-shadow var(--transition);
}
.testi-card:hover { box-shadow: var(--shadow-md); }
.testi-stars { color: var(--accent); font-size: 0.9rem; margin-bottom: 14px; letter-spacing: 2px; }
.testi-body { font-size: 0.94rem; color: var(--gray-600); font-style: italic; margin-bottom: 18px; line-height: 1.7; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 40px; height: 40px;
  background: var(--blue-100);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  color: var(--blue-700); font-size: 1rem;
}
.testi-name { font-size: 0.88rem; font-weight: 600; color: var(--blue-900); }
.testi-location { font-size: 0.78rem; color: var(--gray-400); }
@media (max-width: 900px) { .testimonials-grid { grid-template-columns: 1fr; } }

/* ── BLOG CARDS ── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card {
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.blog-img {
  height: 180px;
  background: linear-gradient(135deg, var(--blue-700), var(--blue-500));
  display: flex; align-items: center; justify-content: center;
  font-size: 3rem;
}
.blog-body { padding: 22px 20px; }
.blog-tag {
  font-size: 0.74rem; font-weight: 600; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--blue-500); margin-bottom: 8px;
}
.blog-card h3 { font-size: 1.05rem; color: var(--blue-900); margin-bottom: 8px; }
.blog-card p { font-size: 0.88rem; margin-bottom: 14px; }
.blog-card a { font-size: 0.85rem; font-weight: 600; color: var(--blue-500); }
.blog-card a:hover { color: var(--blue-700); }
@media (max-width: 900px) { .blog-grid { grid-template-columns: 1fr; } }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--blue-800) 0%, var(--blue-600) 100%);
  text-align: center;
  padding: 80px 0;
}
.cta-band h2 { color: white; margin-bottom: 14px; }
.cta-band p  { color: rgba(255,255,255,0.75); max-width: 520px; margin: 0 auto 32px; font-size: 1.05rem; }
.cta-band .btn-group { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ── FOOTER ── */
footer {
  background: var(--blue-900);
  color: rgba(255,255,255,0.65);
  padding: 60px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand .nav-logo { margin-bottom: 14px; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; max-width: 280px; }
.footer-col h4 {
  font-family: var(--font-display);
  color: white; font-size: 1rem;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: color var(--transition); }
.footer-col ul li a:hover { color: white; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 28px;
  font-size: 0.76rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.4);
}
.footer-bottom a { color: rgba(255,255,255,0.55); }
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 580px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ── PAGE HERO (inner pages) ── */
.page-hero {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-700));
  padding: 72px 0;
  text-align: center;
}
.page-hero h1 { color: white; margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.75); max-width: 560px; margin: 0 auto; font-size: 1.1rem; }

/* ── ACCORDION (FAQ) ── */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-question {
  width: 100%; text-align: left;
  background: white; border: none; cursor: pointer;
  padding: 20px 24px;
  display: flex; justify-content: space-between; align-items: center;
  font-family: var(--font-body); font-size: 1rem; font-weight: 600;
  color: var(--blue-900);
  transition: background var(--transition);
}
.faq-question:hover { background: var(--gray-50); }
.faq-question .faq-icon {
  font-size: 1.2rem; color: var(--blue-500);
  transition: transform var(--transition);
}
.faq-question.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
  padding: 0 24px; background: var(--gray-50);
}
.faq-answer.open { max-height: 400px; padding: 18px 24px; }
.faq-answer p { font-size: 0.95rem; }

/* ── CONTACT FORM ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: start;
}
.contact-form-card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
}
.contact-info-item {
  display: flex; gap: 16px; align-items: flex-start;
  margin-bottom: 28px;
}
.contact-info-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--blue-50);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.contact-info-item h4 { font-size: 0.9rem; font-weight: 600; color: var(--blue-900); margin-bottom: 3px; }
.contact-info-item p { font-size: 0.88rem; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }

/* ── NAVIGATOR CARDS ── */
.loan-section { margin-bottom: 64px; }
.loan-section-title {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--blue-900);
  border-bottom: 2px solid var(--blue-100);
  padding-bottom: 12px;
  margin-bottom: 28px;
}
.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.loan-card {
  background: white;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 24px 22px;
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}
.loan-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--blue-300, #93c5fd);
}
.loan-card-icon { font-size: 1.8rem; margin-bottom: 12px; }
.loan-card h3 { font-size: 1rem; color: var(--blue-900); margin-bottom: 8px; }
.loan-card p { font-size: 0.88rem; margin-bottom: 14px; }
.loan-card .loan-specs { list-style: none; }
.loan-card .loan-specs li {
  font-size: 0.82rem; color: var(--gray-600);
  padding: 3px 0;
  display: flex; gap: 6px; align-items: flex-start;
}
.loan-card .loan-specs li::before { content: '✓'; color: var(--blue-500); font-weight: 700; flex-shrink: 0; }
@media (max-width: 900px) { .loan-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 580px) { .loan-grid { grid-template-columns: 1fr; } }

/* ── ANIMATIONS ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp 0.55s ease both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }

/* ── UTILITY ── */
.text-center { text-align: center; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.bg-gray { background: var(--gray-50); }

/* ── NMLS COMPLIANCE BAR ── */
.compliance-bar {
  background: var(--blue-900);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 16px 0;
}
.compliance-bar p {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.7;
  text-align: center;
}
.compliance-bar a { color: rgba(255,255,255,0.5); }