/* ============================================================
   BRAND TOKENS — Mortgage Champions Brand Summary v1.0 (2026)
   Deep Forest #1B3B2F · Hunter #2D4A3E · Sage #A8BFB1
   Antique Gold #C9A961 · Warm Cream #F5F1E8
   Usage: ~50% cream, 30% forest, 12% sage, 8% gold.
   ============================================================ */
:root {
  --brand: #1B3B2F;          /* Deep Forest — primary */
  --brand-soft: #2D4A3E;     /* Hunter — support */
  --sage: #A8BFB1;           /* Sage — soft */
  --accent: #C9A961;         /* Antique Gold — accent (fills only) */
  --accent-dark: #8E7232;    /* darker gold for small text on cream */
  --tint: #E4EBE5;           /* pale sage — hero */
  --tint-2: #D3DED6;
  --sand: #EDE7DA;           /* deeper cream — alternate sections */
  --cream: #F5F1E8;          /* Warm Cream — canvas */
  --card: #FFFDF9;
  --ink: #1F2E28;            /* body text */
  --muted: #5B6A63;
  --line: #E0D8C8;
  --success: #3F7357;

  --font-head: "Fraunces", Georgia, serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-hand: "Caveat", "Segoe Print", cursive;
  --radius: 14px;
  --shadow: 0 2px 4px rgba(27, 59, 47, .04), 0 8px 24px rgba(27, 59, 47, .07);
  --wrap: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--brand); }
h1, h2, h3 { font-family: var(--font-head); font-weight: 500; color: var(--brand); line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
strong, b { font-weight: 500; color: var(--brand); }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.eyebrow { font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--accent-dark); font-weight: 500; margin-bottom: .75rem; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 40rem; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font: 500 1rem var(--font-body);
  padding: .85rem 1.6rem; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: background .2s, color .2s, border-color .2s, transform .1s;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-soft); }
.btn-accent { background: var(--accent); color: var(--brand); }
.btn-accent:hover { background: #BB9A50; }
.btn-ghost { background: transparent; color: var(--brand); border-color: var(--brand); }
.btn-ghost:hover { background: var(--brand); color: #fff; }
.btn[disabled] { opacity: .45; cursor: not-allowed; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(251, 248, 244, .92); backdrop-filter: blur(8px); border-bottom: 1px solid transparent; transition: border-color .2s; }
.site-header.scrolled { border-bottom-color: var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 84px; gap: 24px; }
.logo img { height: 56px; width: auto; }
.nav-links { display: flex; gap: 28px; list-style: none; margin: 0; padding: 0; }
.nav-links a, .btn { white-space: nowrap; }
.nav-links a { text-decoration: none; color: var(--ink); font-weight: 500; font-size: .97rem; }
.nav-links a:hover { color: var(--accent-dark); }
.nav-actions { display: flex; align-items: center; gap: 18px; }
.phone { display: flex; align-items: center; gap: 6px; text-decoration: none; font-weight: 500; color: var(--brand); white-space: nowrap; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--brand); }
.mobile-menu { display: none; }

/* ---------- Hero ---------- */
.hero { background: var(--tint); padding: 64px 0 80px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -180px; top: -120px; width: 560px; height: 560px; border-radius: 50%; background: var(--tint-2); z-index: 0; }
.hero .wrap { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.hero-q { display: flex; align-items: center; gap: 10px; font-weight: 500; margin: 1.6rem 0 1rem; }
.hero-q svg { color: var(--accent); }
.tiles { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; max-width: 520px; }
.tile {
  background: var(--card); border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 22px 16px 18px; text-align: center; text-decoration: none; color: var(--ink);
  font-weight: 500; font-size: .98rem; border: 2px solid transparent;
  display: flex; flex-direction: column; align-items: center; gap: 10px; transition: border-color .2s, transform .2s;
}
.tile:hover { border-color: var(--accent); transform: translateY(-2px); }
.tile svg { width: 64px; height: 48px; color: var(--brand); }
.hero-art { justify-self: center; }

/* ---------- Trust strip ---------- */
.trust { background: var(--card); border-bottom: 1px solid var(--line); }
.trust ul { list-style: none; margin: 0 auto; padding-top: 22px; padding-bottom: 22px; display: flex; justify-content: center; flex-wrap: wrap; gap: 16px 48px; }
.trust li { display: flex; align-items: center; gap: 10px; font-weight: 500; }
.trust svg { color: var(--accent); flex: none; }

/* ---------- Sections ---------- */
section { padding: 88px 0; }
.section-tint { background: var(--sand); }
.hand { font-family: var(--font-hand); font-weight: 500; font-size: 1.6rem; color: var(--brand-soft); line-height: 1.2; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; margin-top: 48px; }
.step { position: relative; }
.step-num { font-family: var(--font-head); font-size: 2.6rem; color: var(--accent); line-height: 1; margin-bottom: .6rem; }
.step h3 { margin-bottom: .35em; }
.step p { color: var(--muted); font-size: .97rem; }

.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 44px; }
.product { background: var(--card); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); display: flex; flex-direction: column; }
.product svg { width: 56px; height: 42px; color: var(--brand); margin-bottom: 14px; }
.product p { color: var(--muted); font-size: .97rem; flex: 1; }
.product a { font-weight: 500; text-decoration: none; color: var(--accent-dark); }
.product a:hover { text-decoration: underline; }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 0; background: var(--card); border-radius: 20px; box-shadow: var(--shadow); overflow: hidden; margin-top: 40px; }
.calc-inputs { padding: 36px; }
.calc-out { background: var(--brand); color: #fff; padding: 36px; display: flex; flex-direction: column; justify-content: center; }
.calc-out h3 { color: #fff; font-family: var(--font-body); font-weight: 500; font-size: 1rem; opacity: .85; }
.calc-big { font-family: var(--font-head); font-size: 3.2rem; line-height: 1; margin: .2em 0 .3em; }
.calc-out small { opacity: .75; font-size: .82rem; line-height: 1.5; display: block; margin-bottom: 1.5rem; }
.field { margin-bottom: 22px; }
.field label { display: flex; justify-content: space-between; font-weight: 500; margin-bottom: 8px; }
.field output { color: var(--accent-dark); }
input[type=range] { width: 100%; accent-color: var(--accent); }

/* ---------- Testimonials / why ---------- */
.why { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why ul { list-style: none; padding: 0; margin: 1.5rem 0 0; }
.why li { display: flex; gap: 14px; margin-bottom: 18px; }
.why li svg { color: var(--success); flex: none; margin-top: 3px; }
.quotes { display: grid; gap: 18px; }
.quote { background: var(--card); border-radius: var(--radius); padding: 24px 26px; box-shadow: var(--shadow); }
.quote p { font-family: var(--font-head); font-size: 1.12rem; color: var(--brand); margin-bottom: .6em; }
.quote span { color: var(--muted); font-size: .9rem; }
.stars { color: var(--accent); letter-spacing: 2px; margin-bottom: 6px; }
.rating-badge { display: inline-flex; align-items: center; gap: 14px; justify-self: start; background: var(--brand); color: #E4EBE5; border-radius: 999px; padding: 10px 22px 10px 12px; text-decoration: none; font-size: .9rem; line-height: 1.3; }
.rating-badge:hover { background: var(--brand-soft); }
.rating-badge .stars { margin: 0; font-size: .95rem; }
.rating-num { font-family: var(--font-head); font-size: 1.5rem; color: var(--brand); background: var(--accent); border-radius: 50%; width: 52px; height: 52px; display: grid; place-items: center; }

/* ---------- FAQ ---------- */
.faq { max-width: 780px; margin: 40px auto 0; }
.faq details { background: var(--card); border-radius: 12px; margin-bottom: 12px; padding: 0 24px; border: 1px solid var(--line); }
.faq summary { cursor: pointer; padding: 20px 0; font-weight: 500; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--accent); transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--muted); padding-bottom: 20px; margin: 0; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--brand); color: #fff; text-align: center; border-radius: 24px; padding: 56px 24px; }
.cta-band h2 { color: #fff; }
.cta-band p { opacity: .85; margin-bottom: 1.6rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--brand); color: #C9D6CE; padding: 64px 0 32px; font-size: .92rem; }
.site-footer a { color: #E9EEF1; text-decoration: none; }
.site-footer a:hover { color: var(--accent); }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.foot-grid h4 { color: #fff; font-size: .95rem; margin: 0 0 14px; }
.foot-grid ul { list-style: none; padding: 0; margin: 0; }
.foot-grid li { margin-bottom: 8px; }
.foot-logo { background: var(--cream); display: inline-block; padding: 10px 14px; border-radius: 10px; margin-bottom: 16px; }
.foot-logo img { height: 48px; width: auto; }
.legal { border-top: 1px solid rgba(255,255,255,.12); padding-top: 24px; font-size: .8rem; line-height: 1.6; color: #9DB0A5; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .nav-links, .nav-actions .btn { display: none; }
  .nav-toggle { display: block; }
  .mobile-menu { background: var(--cream); border-top: 1px solid var(--line); padding: 12px 24px 24px; }
  .mobile-menu.open { display: block; }
  .mobile-menu a { display: block; padding: 12px 0; text-decoration: none; color: var(--ink); font-weight: 500; border-bottom: 1px solid var(--line); }
  .mobile-menu .btn { margin-top: 16px; width: 100%; color: #fff; border: 0; }
  .hero .wrap, .why, .calc { grid-template-columns: 1fr; }
  .hero-art { display: none; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .products { grid-template-columns: 1fr 1fr; }
  .products .product:last-child { grid-column: 1 / -1; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  section { padding: 64px 0; }
  .hero { padding: 40px 0 56px; }
  .phone span { display: none; }
  .logo img { height: 44px; }
  .nav { height: 72px; }
  .tiles { gap: 12px; }
  .tile { padding: 16px 10px 14px; font-size: .9rem; }
  .steps, .products, .foot-grid { grid-template-columns: 1fr; }
  .calc-inputs, .calc-out { padding: 26px 20px; }
  .trust ul { justify-content: flex-start; padding-top: 18px; padding-bottom: 18px; }
}