/* Global Loan Broker — site styles
   Premium navy / gold. Self-contained. Mobile-first. */

:root {
  --navy-950: #07101d;
  --navy-900: #0b1a2e;
  --navy-800: #12243d;
  --navy-700: #1a3354;
  --navy-600: #24456e;
  --gold: #c5a46e;
  --gold-soft: #d4b87a;
  --gold-deep: #9a7a3f;
  --ivory: #f6f3ec;
  --ivory-2: #ece7db;
  --paper: #fffcf7;
  --white: #ffffff;
  --ink: #152033;
  --ink-soft: #3e4d61;
  --ink-faint: #6a7686;
  --line: rgba(21, 32, 51, 0.12);
  --line-gold: rgba(197, 164, 110, 0.45);
  --focus: #c5a46e;
  --danger: #8a2c2c;
  --ok: #1e5a3c;
  --header-h: 4.5rem;
  --max: 72rem;
  --shadow: 0 18px 50px rgba(7, 16, 29, 0.12);
  --radius: 14px;
  --font-serif: "Newsreader", "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
  --font-sans: "Outfit", "Segoe UI", system-ui, -apple-system, sans-serif;
}

@font-face {
  font-family: "Outfit";
  src: url("../fonts/outfit.woff") format("woff");
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Newsreader";
  src: url("../fonts/newsreader.woff") format("woff");
  font-weight: 200 800;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Newsreader";
  src: url("../fonts/newsreader-italic.woff") format("woff");
  font-weight: 200 800;
  font-style: italic;
  font-display: swap;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html:focus-within { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--ivory);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--navy-700); }
a:hover { color: var(--gold-deep); }
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 500;
  line-height: 1.2;
  color: var(--navy-950);
  letter-spacing: -0.02em;
  margin: 0 0 0.75rem;
}
h1 { font-size: clamp(2.4rem, 5vw, 4.15rem); font-weight: 500; }
h2 { font-size: clamp(1.85rem, 3.2vw, 2.65rem); }
h3 { font-size: 1.25rem; font-family: var(--font-sans); font-weight: 600; letter-spacing: 0; }
p { margin: 0 0 1rem; }
p:last-child { margin-bottom: 0; }

.skip {
  position: absolute;
  left: 1rem;
  top: -4rem;
  background: var(--gold);
  color: var(--navy-950);
  padding: 0.5rem 1rem;
  z-index: 1000;
  font-weight: 600;
  border-radius: 6px;
}
.skip:focus { top: 1rem; }

.wrap {
  width: min(100% - 2.25rem, var(--max));
  margin-inline: auto;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  height: var(--header-h);
  background: rgba(7, 16, 29, 0.94);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(197, 164, 110, 0.22);
  color: var(--ivory);
}
.site-header .wrap {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  text-decoration: none;
  color: var(--ivory);
  min-width: 0;
}
.brand:hover { color: var(--ivory); }
.mark {
  width: 2.55rem;
  height: 2.55rem;
  flex: 0 0 auto;
  border: 1px solid var(--gold);
  display: grid;
  place-items: center;
  font-family: var(--font-serif);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  color: var(--gold);
  background: rgba(197, 164, 110, 0.06);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name {
  font-weight: 650;
  font-size: 0.82rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.brand-sub {
  font-size: 0.7rem;
  color: var(--gold-soft);
  letter-spacing: 0.04em;
}
.nav {
  display: flex;
  align-items: center;
  gap: 1.4rem;
}
.nav a {
  color: rgba(246, 243, 236, 0.86);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--gold-soft); }
.nav-cta { margin-left: 0.25rem; }
.menu-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--line-gold);
  color: var(--ivory);
  width: 2.6rem;
  height: 2.6rem;
  border-radius: 8px;
  cursor: pointer;
  padding: 0;
}
.menu-toggle span,
.menu-toggle span::before,
.menu-toggle span::after {
  display: block;
  width: 1.1rem;
  height: 1.5px;
  background: var(--gold);
  position: relative;
  margin: 0 auto;
}
.menu-toggle span::before,
.menu-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
}
.menu-toggle span::before { top: -5px; }
.menu-toggle span::after { top: 5px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.8rem 1.35rem;
  border-radius: 3px;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.2s, color 0.2s, border-color 0.2s, transform 0.15s;
  font-family: var(--font-sans);
}
.btn:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}
.btn-gold {
  background: var(--gold);
  color: var(--navy-950);
  border-color: var(--gold);
}
.btn-gold:hover { background: var(--gold-soft); color: var(--navy-950); }
.btn-ghost {
  background: transparent;
  color: var(--ivory);
  border-color: rgba(197, 164, 110, 0.55);
}
.btn-ghost:hover { border-color: var(--gold); color: var(--gold-soft); }
.btn-navy {
  background: var(--navy-900);
  color: var(--ivory);
  border-color: var(--navy-900);
}
.btn-navy:hover { background: var(--navy-700); color: var(--ivory); }
.btn-full { width: 100%; }

/* Hero */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse 70% 55% at 85% 0%, rgba(197, 164, 110, 0.16), transparent 55%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(36, 69, 110, 0.45), transparent 55%),
    linear-gradient(165deg, #07101d 0%, #0e2239 52%, #0b1a2e 100%);
  color: var(--ivory);
  padding: 5.25rem 0 5.5rem;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(197, 164, 110, 0.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(197, 164, 110, 0.055) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to bottom, black 40%, transparent 100%);
  pointer-events: none;
}
.hero .wrap { position: relative; max-width: 56rem; }
.kicker {
  display: inline-block;
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.15rem; }
.hero h1 em {
  font-style: italic;
  color: var(--gold-soft);
  font-weight: 450;
}
.lede {
  font-size: 1.15rem;
  color: rgba(246, 243, 236, 0.82);
  max-width: 40rem;
  margin-bottom: 2rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-bottom: 2.5rem; }
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem 1.5rem;
  padding-top: 1.6rem;
  border-top: 1px solid rgba(197, 164, 110, 0.25);
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  color: rgba(246, 243, 236, 0.88);
  font-size: 0.88rem;
  font-weight: 500;
}
.trust-item svg { flex: 0 0 auto; color: var(--gold); }

/* Sections */
.section { padding: 5rem 0; }
.section-head { max-width: 40rem; margin-bottom: 2.6rem; }
.section-head p { color: var(--ink-soft); }
.bg-paper { background: var(--paper); }
.bg-ivory { background: var(--ivory); }

/* Why */
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.15rem;
}
.why-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 1.5rem 1.3rem 1.4rem;
  box-shadow: 0 8px 24px rgba(7, 16, 29, 0.04);
  height: 100%;
}
.icon-box {
  width: 2.6rem;
  height: 2.6rem;
  margin-bottom: 1rem;
  color: var(--navy-800);
  background: var(--ivory);
  border: 1px solid var(--line-gold);
  display: grid;
  place-items: center;
}
.why-card h3 { margin-bottom: 0.5rem; font-size: 1.05rem; }
.why-card p { color: var(--ink-soft); font-size: 0.95rem; }

/* Programs */
.tabs {
  display: flex;
  gap: 0;
  border-bottom: 1px solid var(--line);
  margin-bottom: 1.75rem;
}
.tab {
  background: transparent;
  border: 0;
  border-bottom: 3px solid transparent;
  padding: 0.85rem 1.3rem;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--ink-soft);
  cursor: pointer;
  margin-bottom: -1px;
}
.tab[aria-selected="true"] {
  color: var(--navy-900);
  border-bottom-color: var(--gold);
}
.tab:hover { color: var(--navy-900); }
.program-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  align-items: stretch;
}
.program-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 1.25rem 1.2rem 1.2rem;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.program-card h3 {
  font-size: 1.02rem;
  margin-bottom: 0.45rem;
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
}
.program-card h3 svg {
  flex: 0 0 auto;
  color: var(--gold-deep);
  margin-top: 0.15rem;
}
.program-card p { font-size: 0.92rem; color: var(--ink-soft); }
.panel[hidden] { display: none; }
.programs-note {
  margin-top: 1.5rem;
  font-size: 0.88rem;
  color: var(--ink-soft);
  border-left: 3px solid var(--gold);
  padding: 0.7rem 0 0.7rem 1rem;
  background: rgba(197, 164, 110, 0.07);
}

/* Process */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.step {
  position: relative;
  padding: 0.25rem 0.25rem 0 0;
}
.step-num {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 2.4rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.7rem;
}
.step h3 { margin-bottom: 0.4rem; }
.step p { color: var(--ink-soft); font-size: 0.95rem; }

/* About — visually distinctive */
.about {
  background:
    radial-gradient(ellipse 60% 50% at 0% 0%, rgba(197, 164, 110, 0.12), transparent 55%),
    linear-gradient(180deg, #0b1a2e 0%, #12243d 100%);
  color: var(--ivory);
  padding: 5.5rem 0;
}
.about h2, .about h3 { color: var(--white); }
.about .kicker { margin-bottom: 0.85rem; }
.about-layout {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3rem;
  align-items: start;
}
.about-bio p { color: rgba(246, 243, 236, 0.86); margin-bottom: 1.1rem; }
.pullquote {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: clamp(1.45rem, 2.4vw, 1.85rem);
  line-height: 1.35;
  color: var(--gold-soft);
  border-left: 3px solid var(--gold);
  padding: 0.2rem 0 0.2rem 1.15rem;
  margin: 0 0 1.75rem;
}
.cred-stack { display: grid; gap: 0.9rem; }
.cred {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(197, 164, 110, 0.35);
  padding: 1.15rem 1.2rem;
}
.cred-label {
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 0.3rem;
}
.cred strong {
  display: block;
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--white);
}
.cred span { color: rgba(246, 243, 236, 0.72); font-size: 0.92rem; }
.nmls-badge {
  display: block;
  text-decoration: none;
  background: linear-gradient(180deg, rgba(197, 164, 110, 0.16), rgba(197, 164, 110, 0.05));
  border: 1px solid var(--gold);
  padding: 1.15rem 1.2rem;
  color: var(--ivory);
}
.nmls-badge:hover { color: var(--gold-soft); }
.nmls-badge .num {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  color: var(--white);
  letter-spacing: 0.02em;
  margin: 0.15rem 0 0.35rem;
}
.nmls-badge small { color: rgba(246, 243, 236, 0.7); font-size: 0.8rem; }

/* Contact */
.contact-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 3rem;
  align-items: start;
}
.contact-aside h2 { margin-bottom: 0.8rem; }
.contact-aside p { color: var(--ink-soft); }
.contact-meta {
  list-style: none;
  margin: 1.6rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.95rem;
}
.contact-meta a { text-decoration: none; color: var(--navy-800); font-weight: 600; }
.contact-meta a:hover { color: var(--gold-deep); }
.contact-meta li { display: flex; gap: 0.8rem; align-items: flex-start; }
.contact-meta svg { color: var(--gold-deep); flex: 0 0 auto; margin-top: 0.2rem; }
.form {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 1.6rem 1.5rem 1.5rem;
  box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.9rem; }
.field { margin-bottom: 0.9rem; }
.field label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 0.35rem;
  color: var(--navy-800);
}
.req { color: var(--gold-deep); }
input[type="text"], input[type="email"], input[type="tel"], select, textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  padding: 0.7rem 0.75rem;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: var(--paper);
  color: var(--ink);
}
textarea { min-height: 7.5rem; resize: vertical; }
.consent {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
  font-size: 0.86rem;
  color: var(--ink-soft);
  margin: 0.4rem 0 1.1rem;
}
.consent input { margin-top: 0.3rem; accent-color: var(--navy-800); }
.form-note, .form-status {
  font-size: 0.85rem;
  color: var(--ink-soft);
  margin-top: 0.85rem;
}
.form-status[data-tone="ok"] { color: var(--ok); font-weight: 600; }
.form-status[data-tone="err"] { color: var(--danger); font-weight: 600; }

/* Footer */
.site-footer {
  background: var(--navy-950);
  color: rgba(246, 243, 236, 0.78);
  padding: 3.2rem 0 2rem;
  font-size: 0.92rem;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(197, 164, 110, 0.2);
}
.site-footer h2, .site-footer h3 { color: var(--white); }
.site-footer h3 {
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 0.8rem;
}
.site-footer a { color: var(--gold-soft); text-decoration: none; }
.site-footer a:hover { color: var(--gold); text-decoration: underline; }
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.4rem; }
.eh-row {
  display: flex;
  gap: 0.7rem;
  align-items: center;
  margin-top: 1rem;
  color: rgba(246, 243, 236, 0.8);
  font-size: 0.85rem;
}
.eh-row svg { flex: 0 0 auto; color: var(--gold); }
.tx-notice {
  margin: 1.6rem 0 1.2rem;
  padding: 1.1rem 1.15rem;
  border: 1px solid rgba(197, 164, 110, 0.35);
  background: rgba(255, 255, 255, 0.03);
  font-size: 0.8rem;
  line-height: 1.55;
  letter-spacing: 0.01em;
  color: rgba(246, 243, 236, 0.9);
  text-transform: uppercase;
}
.tx-notice a { color: var(--gold-soft); }
.legal-bits {
  font-size: 0.8rem;
  line-height: 1.55;
  color: rgba(246, 243, 236, 0.68);
}
.legal-bits p { margin-bottom: 0.7rem; }
.copyright {
  margin-top: 1.4rem;
  padding-top: 1.1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.78rem;
  color: rgba(246, 243, 236, 0.55);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 0.6rem;
}

/* Interior pages */
.page-hero {
  background: linear-gradient(165deg, #07101d 0%, #12243d 100%);
  color: var(--ivory);
  padding: 3.4rem 0 2.8rem;
}
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 3.5vw, 3rem); }
.page-hero p { color: rgba(246, 243, 236, 0.78); max-width: 40rem; }
.legal-page { padding: 3.2rem 0 4.5rem; }
.legal-page .wrap { max-width: 46rem; }
.legal-page h2 {
  font-size: 1.55rem;
  margin-top: 2.2rem;
  margin-bottom: 0.7rem;
}
.legal-page h3 { margin-top: 1.3rem; }
.legal-page p, .legal-page li { color: var(--ink-soft); }
.notice-block {
  background: var(--ivory);
  border: 1px solid var(--line-gold);
  padding: 1.15rem 1.2rem;
  font-size: 0.86rem;
  line-height: 1.55;
  text-transform: uppercase;
  color: var(--ink);
  margin: 1rem 0 1.2rem;
}
.legal-page ul { padding-left: 1.2rem; }
.legal-page li { margin-bottom: 0.4rem; }


/* Sponsor placeholder — visually marked so it is filled in before launch */
.fill-in {
  display: inline;
  font-weight: 700;
  letter-spacing: 0.01em;
  color: #7a3e00;
  background: #fff3c4;
  border: 1px dashed #b8893e;
  padding: 0.05em 0.4em;
  white-space: nowrap;
}
.site-footer .fill-in,
.legal-bits .fill-in {
  color: #fff3c4;
  background: rgba(197, 164, 110, 0.2);
  border-color: var(--gold);
}

/* Commercial availability */
.avail-box {
  margin-top: 1.8rem;
  padding: 1.45rem 1.5rem 1.35rem;
  border: 1px solid var(--line-gold);
  background: var(--white);
}
.avail-box h3 {
  font-size: 1.08rem;
  margin: 0 0 0.65rem;
}
.avail-box > p { color: var(--ink-soft); font-size: 0.94rem; margin-bottom: 0.9rem; }
.state-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  list-style: none;
  margin: 0 0 1rem;
  padding: 0;
}
.state-list li {
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 0.32rem 0.65rem;
  border: 1px solid var(--line-gold);
  background: var(--ivory);
  color: var(--navy-800);
  margin: 0;
}
.avail-disclaimer {
  font-size: 0.86rem;
  color: var(--ink-soft);
  margin: 0;
  border-left: 3px solid var(--gold);
  padding: 0.5rem 0 0.5rem 0.95rem;
}
.legal-page .avail-box {
  background: var(--ivory);
  margin: 1.2rem 0 1.4rem;
}
.legal-page .state-list li { color: var(--navy-800); margin-bottom: 0; }

/* Responsive */
@media (max-width: 980px) {
  .why-grid, .program-grid { grid-template-columns: repeat(2, 1fr); }
  .steps, .about-layout, .contact-grid, .footer-top { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .step + .step::before { display: none; }
}
@media (max-width: 760px) {
  .menu-toggle { display: grid; place-items: center; }
  .nav {
    display: none;
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--navy-950);
    border-bottom: 1px solid rgba(197, 164, 110, 0.22);
    flex-direction: column;
    align-items: stretch;
    padding: 0.8rem 1.15rem 1.2rem;
    gap: 0;
  }
  .nav.is-open { display: flex; }
  .nav a, .nav .btn { display: block; padding: 0.8rem 0.2rem; }
  .nav .btn { text-align: center; margin-top: 0.4rem; }
  .why-grid, .program-grid, .steps, .about-layout, .contact-grid, .footer-top, .form-row {
    grid-template-columns: 1fr;
  }
  .hero { padding: 3.6rem 0 3.8rem; }
  .section, .about { padding: 3.4rem 0; }
  .form { padding: 1.2rem 1rem; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}