/* =========================================================
   Dylan Hoey — Mortgage Architects
   Design tokens
   ========================================================= */
:root{
  --ink: #142433;       /* primary text / dark surfaces */
  --ink-soft: #2A3D4F;  /* secondary dark */
  --paper: #F2F4F1;     /* page background — cool paper, not cream */
  --paper-raised: #FFFFFF;
  --brass: #B68A4E;     /* accent — signature color */
  --brass-deep: #93692F;
  --slate: #5B6B72;     /* muted body text */
  --line: #D8DDD6;      /* hairline borders */
  --line-deep: #C3CAC2;

  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-data: "Space Grotesk", "Public Sans", monospace;

  --max: 1180px;
  --radius: 2px;
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color: inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4{
  font-family: var(--font-display);
  font-weight: 600;
  margin: 0 0 .5em;
  letter-spacing: -0.01em;
  color: var(--ink);
}
p{ margin: 0 0 1em; color: var(--ink-soft); }

:focus-visible{
  outline: 2px solid var(--brass);
  outline-offset: 3px;
}

.wrap{
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 28px;
}

.eyebrow{
  font-family: var(--font-data);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass-deep);
  display:flex;
  align-items:center;
  gap: 10px;
  margin-bottom: 14px;
}
.eyebrow::before{
  content:"";
  width: 22px; height:1px;
  background: var(--brass-deep);
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 15px;
  padding: 13px 24px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor:pointer;
  transition: transform .15s ease, background .15s ease, border-color .15s ease;
}
.btn:hover{ transform: translateY(-1px); }
.btn-brass{
  background: var(--brass);
  color: var(--ink);
}
.btn-brass:hover{ background: var(--brass-deep); color:#fff; }
.btn-ghost{
  border-color: var(--ink);
  color: var(--ink);
  background: transparent;
}
.btn-ghost:hover{ background: var(--ink); color: var(--paper); }
.btn-ghost-light{
  border-color: rgba(255,255,255,.5);
  color: #fff;
}
.btn-ghost-light:hover{ background: rgba(255,255,255,.12); }

/* ---------- Header ---------- */
.site-header{
  position: sticky; top:0; z-index: 50;
  background: rgba(242,244,241,0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap{
  display:flex; align-items:center; justify-content:space-between;
  height: 84px;
}
.brand{ display:flex; flex-direction:column; line-height:1.1; }
.brand .name{
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 21px;
  letter-spacing: -0.01em;
}
.brand .role{
  font-family: var(--font-data);
  font-size: 11px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--brass-deep);
  margin-top: 3px;
}
.main-nav{ display:flex; align-items:center; gap: 36px; }
.main-nav ul{ display:flex; gap: 30px; }
.main-nav a{
  font-size: 14.5px; font-weight:600; color: var(--ink-soft);
  position:relative; padding: 4px 0;
}
.main-nav a:hover{ color: var(--ink); }
.main-nav a.active{ color: var(--ink); }
.main-nav a.active::after{
  content:""; position:absolute; left:0; right:0; bottom:-4px; height:2px; background: var(--brass);
}
.nav-toggle{ display:none; }

@media (max-width: 880px){
  .main-nav ul{
    position:fixed; inset: 84px 0 auto 0;
    flex-direction: column; gap:0;
    background: var(--paper); border-bottom: 1px solid var(--line);
    transform: translateY(-110%);
    transition: transform .25s ease;
  }
  .main-nav ul.open{ transform: translateY(0); }
  .main-nav ul li{ border-top: 1px solid var(--line); }
  .main-nav ul li a{ display:block; padding: 18px 28px; }
  .nav-toggle{
    display:flex; flex-direction:column; gap:5px;
    background:none; border:none; cursor:pointer; padding: 8px;
  }
  .nav-toggle span{ width: 22px; height:2px; background: var(--ink); }
  .header-cta{ display:none; }
}

/* ---------- Hero ---------- */
.hero{
  background: var(--ink);
  color: #fff;
  padding: 84px 0 90px;
  position: relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute; right:-120px; top:-160px;
  width: 480px; height: 480px;
  border: 1px solid rgba(182,138,78,.25);
  border-radius: 50%;
}
.hero .wrap{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 64px;
  align-items: center;
  position:relative; z-index:1;
}
.hero h1{
  font-size: clamp(34px, 4.4vw, 54px);
  color:#fff;
  line-height: 1.08;
}
.hero h1 em{
  font-style: italic;
  color: var(--brass);
}
.hero .lede{
  font-size: 18px;
  color: rgba(255,255,255,.78);
  max-width: 46ch;
  margin-bottom: 30px;
}
.hero .eyebrow{ color: var(--brass); }
.hero .eyebrow::before{ background: var(--brass); }
.hero-ctas{ display:flex; gap:14px; flex-wrap:wrap; }

@media (max-width: 880px){
  .hero .wrap{ grid-template-columns: 1fr; }
}

/* ---------- Ledger card (calculator) — signature element ---------- */
.ledger{
  background: var(--paper-raised);
  color: var(--ink);
  border-radius: var(--radius);
  position: relative;
  box-shadow: 0 30px 60px -20px rgba(0,0,0,.45);
}
.ledger::before{
  content:"";
  position:absolute; top:0; left:0; right:0; height:6px;
  background: var(--brass);
}
.ledger-head{
  padding: 26px 28px 0;
}
.ledger-head .label{
  font-family: var(--font-data);
  font-size: 11px; letter-spacing:.1em; text-transform:uppercase;
  color: var(--slate);
}
.ledger-amount{
  font-family: var(--font-data);
  font-size: 46px;
  font-weight: 600;
  margin: 4px 0 2px;
  font-variant-numeric: tabular-nums;
}
.ledger-amount span{ font-size: 16px; color: var(--slate); font-family: var(--font-body); font-weight: 500;}
.ledger-sub{ font-size: 13px; color: var(--slate); margin-bottom: 18px; }
.ledger-body{ padding: 4px 28px 28px; border-top: 1px solid var(--line); margin-top: 4px;}
.field-row{ padding-top: 18px; }
.field-row label{
  display:flex; justify-content:space-between;
  font-size: 13px; font-weight:600; color: var(--ink-soft);
  margin-bottom: 8px;
}
.field-row label .val{
  font-family: var(--font-data); color: var(--ink); font-variant-numeric: tabular-nums;
}
input[type="range"]{
  -webkit-appearance:none; appearance:none;
  width:100%; height:3px; background: var(--line-deep); border-radius:2px; outline:none;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none; appearance:none;
  width:16px; height:16px; border-radius:50%;
  background: var(--brass); border: 3px solid var(--paper-raised);
  box-shadow: 0 0 0 1px var(--brass);
  cursor:pointer; margin-top:-1px;
}
input[type="range"]::-moz-range-thumb{
  width:16px; height:16px; border-radius:50%;
  background: var(--brass); border: 3px solid var(--paper-raised);
  box-shadow: 0 0 0 1px var(--brass);
  cursor:pointer;
}
.ledger-foot{
  display:flex; justify-content:space-between; align-items:center;
  padding-top: 22px; margin-top: 4px; border-top: 1px dashed var(--line);
  font-size: 12px; color: var(--slate);
}

/* ---------- Trust strip ---------- */
.trust{
  background: var(--paper-raised);
  border-bottom: 1px solid var(--line);
}
.trust .wrap{
  display:grid; grid-template-columns: repeat(4,1fr);
  padding: 30px 28px;
}
.trust .stat{ text-align:center; padding: 0 14px; border-left: 1px solid var(--line); }
.trust .stat:first-child{ border-left:none; }
.trust .stat .num{
  font-family: var(--font-data); font-size: 28px; font-weight:600; color: var(--ink);
}
.trust .stat .lbl{ font-size: 12.5px; color: var(--slate); margin-top:4px; }
@media (max-width: 700px){
  .trust .wrap{ grid-template-columns: 1fr 1fr; gap: 22px 0; }
  .trust .stat{ border-left:none; border-top:1px solid var(--line); padding-top:18px; }
  .trust .stat:nth-child(odd){ border-left:none; }
}

/* ---------- Section scaffolding ---------- */
section{ padding: 88px 0; }
.section-head{ max-width: 640px; margin-bottom: 48px; }
.section-head h2{ font-size: clamp(26px, 3vw, 36px); }
.section-head p{ font-size: 16.5px; }
.bg-ink{ background: var(--ink); color:#fff; }
.bg-ink h2, .bg-ink h3, .bg-ink h4{ color:#fff; }
.bg-ink p{ color: rgba(255,255,255,.72); }
.bg-raised{ background: var(--paper-raised); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }

/* ---------- Cards / grids ---------- */
.grid-3{ display:grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-2{ display:grid; grid-template-columns: repeat(2,1fr); gap: 28px; }
@media (max-width: 880px){
  .grid-3{ grid-template-columns: 1fr; }
  .grid-2{ grid-template-columns: 1fr; }
}
.card{
  background: var(--paper-raised);
  border: 1px solid var(--line);
  padding: 30px 26px;
  border-radius: var(--radius);
}
.card .tag{
  font-family: var(--font-data); font-size: 11px; letter-spacing:.08em; text-transform:uppercase;
  color: var(--brass-deep); margin-bottom: 12px; display:block;
}
.card h3{ font-size: 19px; margin-bottom: 10px; }
.card p{ font-size: 14.5px; margin-bottom: 16px; }
.card a.link{ font-size: 13.5px; font-weight:700; color: var(--ink); border-bottom: 1px solid var(--brass); padding-bottom:2px; }

/* ---------- Numbered process ---------- */
.process{ display:grid; grid-template-columns: repeat(4,1fr); gap: 0; }
.process .step{
  padding: 0 22px 0 0; position:relative;
  border-left: 1px solid var(--line);
  padding-left: 24px;
}
.process .step:first-child{ border-left:none; padding-left:0; }
.process .num{
  font-family: var(--font-data); font-size: 13px; color: var(--brass-deep);
  margin-bottom: 14px; letter-spacing:.05em;
}
.process h4{ font-size: 17px; margin-bottom:8px; }
.process p{ font-size: 14px; }
@media (max-width: 880px){
  .process{ grid-template-columns: 1fr; gap: 28px; }
  .process .step{ border-left:none; padding-left:0; border-top:1px solid var(--line); padding-top:24px; }
  .process .step:first-child{ border-top:none; padding-top:0; }
}

/* ---------- CTA band ---------- */
.cta-band{
  background: var(--ink); color:#fff;
  padding: 64px 0;
  text-align:center;
}
.cta-band h2{ color:#fff; margin-bottom: 14px; }
.cta-band p{ color: rgba(255,255,255,.72); max-width: 50ch; margin: 0 auto 28px; }
.cta-band .ctas{ display:flex; gap:14px; justify-content:center; flex-wrap:wrap; }

/* ---------- Footer ---------- */
.site-footer{ background: var(--paper-raised); border-top: 1px solid var(--line); }
.footer-top{
  padding: 64px 0 40px;
  display:grid; grid-template-columns: 1.3fr 1fr 1fr 1.2fr;
  gap: 40px;
}
@media (max-width: 880px){
  .footer-top{ grid-template-columns: 1fr 1fr; }
}
.footer-top h5{
  font-family: var(--font-data); font-size: 12px; letter-spacing:.08em; text-transform:uppercase;
  color: var(--slate); margin-bottom: 16px;
}
.footer-top p, .footer-top a{ font-size: 14px; color: var(--ink-soft); }
.footer-top ul li{ margin-bottom: 10px; }
.footer-top ul a:hover{ color: var(--brass-deep); }

.partners-strip{
  border-top: 1px solid var(--line);
  padding: 28px 0;
}
.partners-strip .partners-label{
  font-family: var(--font-data); font-size: 11px; letter-spacing:.08em; text-transform:uppercase;
  color: var(--slate); margin-bottom: 18px;
}
.logo-row{ display:flex; align-items:center; gap: 22px; flex-wrap:wrap; }
.logo-chip{
  border: 1px dashed var(--line-deep);
  border-radius: var(--radius);
  padding: 14px 20px;
  font-family: var(--font-data);
  font-size: 12.5px;
  color: var(--slate);
  display:flex; align-items:center; gap:8px;
  min-width: 150px;
  justify-content:center;
}
.brand-strip{
  border-top: 1px solid var(--line);
  padding: 24px 0;
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:14px;
}
.brand-strip .ma-mark{
  font-family: var(--font-display); font-weight:700; font-size:16px; color:var(--ink);
  display:flex; flex-direction:column; line-height:1.15;
}
.brand-strip .ma-mark small{
  font-family: var(--font-data); font-weight:400; font-size:10.5px; letter-spacing:.1em;
  text-transform:uppercase; color: var(--brass-deep);
}
.legal{ font-size: 12px; color: var(--slate); }

/* ---------- Page header (interior pages) ---------- */
.page-head{
  background: var(--ink); color:#fff;
  padding: 64px 0 56px;
}
.page-head h1{ color:#fff; font-size: clamp(30px,4vw,44px); }
.page-head p{ color: rgba(255,255,255,.72); max-width: 56ch; }

/* ---------- Form ---------- */
.form-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full{ grid-column: 1 / -1; }
@media (max-width: 700px){ .form-grid{ grid-template-columns: 1fr; } }
label.field-label{
  font-size: 13px; font-weight:700; color: var(--ink-soft); display:block; margin-bottom:6px;
}
input[type="text"], input[type="email"], input[type="tel"], select, textarea{
  width:100%; font-family: var(--font-body); font-size: 15px;
  padding: 12px 14px; border: 1px solid var(--line-deep); border-radius: var(--radius);
  background: var(--paper-raised); color: var(--ink);
}
textarea{ resize: vertical; min-height: 120px; }
input:focus, select:focus, textarea:focus{ border-color: var(--brass); }

/* ---------- Utility ---------- */
.center{ text-align:center; }
.mt-0{ margin-top:0; }