/* =====================================================
   Nathan Carpenter — Mortgage Loan Officer
   Design tokens
   ===================================================== */
:root{
  --navy: #10263F;
  --navy-dark: #0A1B2C;
  --gold: #B8873B;
  --gold-soft: #D9B876;
  --cream: #F6F3EC;
  --paper: #FBF9F4;
  --ink: #1E2530;
  --slate: #5B6472;
  --line: #DCD5C6;
  --white: #FFFFFF;

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-mono: "IBM Plex Mono", ui-monospace, Menlo, monospace;

  --radius: 6px;
  --shadow-soft: 0 10px 30px -12px rgba(16,38,63,0.25);
  --max-width: 1120px;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color: inherit; }
.wrap{
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link{
  position:absolute;
  left:-999px;
  top:0;
  background:var(--navy);
  color:var(--white);
  padding:12px 18px;
  z-index:200;
}
.skip-link:focus{ left:16px; top:16px; }

h1,h2,h3{
  font-family: var(--font-display);
  color: var(--navy-dark);
  line-height: 1.15;
  margin: 0 0 0.5em;
  font-weight: 600;
}
h1{ font-size: clamp(2rem, 4.4vw, 3.1rem); font-weight: 600; }
h2{ font-size: clamp(1.55rem, 2.6vw, 2.1rem); margin-top: 0; }
h3{ font-size: 1.15rem; margin: 0 0 0.4em; }
p{ margin: 0 0 1em; color: var(--ink); }

/* =====================================================
   Header
   ===================================================== */
.site-header{
  position: sticky;
  top:0;
  z-index: 100;
  background: rgba(251,249,244,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 20px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
  text-decoration:none;
  color: var(--navy-dark);
}
.brand-mark{ color: var(--gold); flex-shrink:0; }
.brand-text{
  display:flex;
  flex-direction:column;
  font-family: var(--font-display);
  font-weight:600;
  font-size: 1.02rem;
  line-height:1.15;
}
.brand-text em{
  font-style:normal;
  font-family: var(--font-body);
  font-size: 0.65rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 600;
}
.site-nav{
  display:flex;
  gap: 26px;
}
.site-nav a{
  text-decoration:none;
  font-weight:600;
  font-size:0.92rem;
  color: var(--navy);
  position:relative;
}
.site-nav a:hover{ color: var(--gold); }
.header-call{ white-space:nowrap; }

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding: 13px 24px;
  border-radius: var(--radius);
  font-weight:700;
  font-size: 0.95rem;
  text-decoration:none;
  border: 1.5px solid transparent;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  cursor:pointer;
}
.btn:hover{ transform: translateY(-1px); }
.btn-primary{
  background: var(--gold);
  color: var(--navy-dark);
  box-shadow: var(--shadow-soft);
}
.btn-primary:hover{ background: var(--gold-soft); }
.btn-outline{
  border-color: var(--navy);
  color: var(--navy-dark);
  background: transparent;
}
.btn-outline:hover{ background: var(--navy); color: var(--white); }
.btn-ghost{
  border-color: var(--line);
  color: var(--navy-dark);
  background: var(--white);
  padding: 10px 18px;
  font-size: 0.88rem;
}
.btn-ghost:hover{ border-color: var(--gold); }

/* =====================================================
   Hero
   ===================================================== */
.hero{
  background: var(--navy);
  color: var(--cream);
  padding: 72px 0 90px;
  position: relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  inset:0;
  background:
    radial-gradient(600px 300px at 85% 0%, rgba(184,135,59,0.18), transparent 70%);
  pointer-events:none;
}
.hero-inner{
  display:grid;
  grid-template-columns: 1.35fr 0.9fr;
  gap: 56px;
  align-items:center;
  position:relative;
}
.eyebrow{
  font-family: var(--font-mono);
  text-transform: uppercase;
  letter-spacing: 0.09em;
  font-size: 0.76rem;
  color: var(--gold-soft);
  margin-bottom: 14px;
}
.hero h1{ color: var(--white); margin-bottom: 20px; }
.hero-lead{
  font-size: 1.08rem;
  color: rgba(246,243,236,0.86);
  max-width: 46ch;
}
.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin: 26px 0 22px;
}
.hero .btn-outline{
  border-color: rgba(246,243,236,0.55);
  color: var(--cream);
}
.hero .btn-outline:hover{ background: var(--cream); color: var(--navy-dark); }
.hero-trust{
  list-style:none;
  display:flex;
  flex-wrap:wrap;
  gap: 10px 22px;
  padding:0;
  margin:0;
  font-size: 0.85rem;
  color: rgba(246,243,236,0.75);
}
.hero-trust li{ display:flex; align-items:center; gap:8px; }
.hero-trust li::before{
  content:"";
  width:6px; height:6px;
  background: var(--gold);
  border-radius:50%;
  display:inline-block;
}

/* Ticket / signature element */
.ticket{
  background: var(--paper);
  color: var(--ink);
  border-radius: 10px;
  padding: 26px 26px 22px;
  box-shadow: 0 24px 50px -18px rgba(0,0,0,0.45);
  position:relative;
}
.ticket-label{
  font-family: var(--font-mono);
  text-transform:uppercase;
  letter-spacing: 0.08em;
  font-size: 0.7rem;
  color: var(--gold);
  margin-bottom: 16px;
  font-weight:600;
}
.ticket-row{
  display:flex;
  justify-content:space-between;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px dashed var(--line);
  font-size: 0.9rem;
}
.ticket-row span:first-child{ color: var(--slate); }
.ticket-row span:last-child{ font-weight:700; color: var(--navy-dark); text-align:right; }
.ticket-row:last-of-type{ border-bottom:none; }
.ticket-perf{
  height:1px;
  margin: 6px -26px 14px;
  background-image: radial-gradient(circle, var(--line) 1.5px, transparent 1.6px);
  background-size: 12px 1px;
  background-repeat: repeat-x;
}
.ticket-footer{
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--slate);
  margin:0;
}
.ticket-alt{ box-shadow: var(--shadow-soft); }

/* =====================================================
   Content / Article
   ===================================================== */
.content{
  padding: 76px 24px 30px;
}
.content section{
  padding-bottom: 52px;
  border-bottom: 1px solid var(--line);
  margin-bottom: 52px;
}
.content section:last-child{ border-bottom:none; margin-bottom:0; }
.content h2{
  position:relative;
  padding-left: 20px;
  margin-bottom: 0.7em;
}
.content h2::before{
  content:"";
  position:absolute;
  left:0; top: 0.18em;
  width: 5px;
  height: 1.05em;
  background: var(--gold);
  border-radius: 2px;
}
.content h3{ color: var(--navy); }
.content a{
  color: var(--navy);
  font-weight:700;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 3px;
}
.content a:hover{ color: var(--gold); }

/* Steps */
.steps{
  list-style:none;
  padding:0;
  margin: 24px 0 0;
  display:grid;
  gap: 22px;
}
.steps li{
  display:grid;
  grid-template-columns: 56px 1fr;
  gap: 18px;
  align-items:start;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 20px;
}
.step-num{
  font-family: var(--font-mono);
  font-weight:700;
  font-size: 1.15rem;
  color: var(--gold);
  border: 1.5px solid var(--gold);
  border-radius: 50%;
  width: 44px; height:44px;
  display:flex; align-items:center; justify-content:center;
}
.steps h3{ margin-bottom: 0.25em; }
.steps p{ margin:0; color: var(--slate); }

/* FAQ */
.faq-list{
  display:grid;
  gap: 12px;
  margin-top: 20px;
}
.faq-item{
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 6px 20px;
}
.faq-item summary{
  cursor:pointer;
  padding: 14px 0;
  list-style:none;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary h3{ margin:0; font-size:1rem; color: var(--navy-dark); }
.faq-item summary::after{
  content:"+";
  font-family: var(--font-mono);
  font-size: 1.3rem;
  color: var(--gold);
  flex-shrink:0;
  transition: transform .2s ease;
}
.faq-item[open] summary::after{ transform: rotate(45deg); }
.faq-item p{ padding-bottom: 16px; color: var(--slate); margin:0; }

/* =====================================================
   Contact
   ===================================================== */
.contact{
  background: var(--navy);
  color: var(--cream);
  padding: 70px 0;
}
.contact-inner{
  display:grid;
  grid-template-columns: 1.3fr 0.8fr;
  gap: 48px;
  align-items:center;
}
.contact h2{ color: var(--white); padding-left:0; }
.contact h2::before{ display:none; }
.contact p{ color: rgba(246,243,236,0.82); max-width: 50ch; }
.contact-list{
  list-style:none;
  padding:0;
  margin: 18px 0 28px;
  display:grid;
  gap: 10px;
  font-size: 0.98rem;
}
.contact-list a{ color: var(--gold-soft); text-decoration: underline; }
.contact-list strong{ color: var(--white); margin-right: 6px; }

/* =====================================================
   Footer
   ===================================================== */
.site-footer{
  background: var(--navy-dark);
  color: rgba(246,243,236,0.65);
  padding: 26px 0;
  font-size: 0.82rem;
}
.footer-inner{
  display:flex;
  flex-wrap:wrap;
  gap: 6px 20px;
  justify-content: space-between;
}
.footer-inner p{ margin:0; }

/* =====================================================
   Focus states
   ===================================================== */
a:focus-visible,
button:focus-visible,
summary:focus-visible{
  outline: 2.5px solid var(--gold);
  outline-offset: 3px;
  border-radius: 3px;
}

/* =====================================================
   Responsive
   ===================================================== */
@media (max-width: 900px){
  .site-nav{ display:none; }
  .hero-inner{ grid-template-columns: 1fr; }
  .hero-ticket{ order:-1; max-width: 380px; }
  .contact-inner{ grid-template-columns: 1fr; }
}

@media (max-width: 560px){
  .wrap{ padding: 0 18px; }
  .content{ padding-top: 56px; }
  .hero{ padding: 52px 0 60px; }
  .header-call{ display:none; }
  .steps li{ grid-template-columns: 44px 1fr; padding: 16px; }
  .hero-actions .btn{ width:100%; }
  .hero-actions{ flex-direction:column; }
}

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  .btn{ transition:none; }
}