/* ============================================
   Nathan Carpenter — Mortgage Loan Officer
   Design tokens
   ============================================ */
:root {
  --navy: #12233F;
  --navy-deep: #0A1626;
  --ivory: #F7F3EA;
  --ivory-dim: #EDE6D6;
  --brass: #B08D57;
  --brass-light: #D6B885;
  --slate: #4A5A70;
  --ink: #1B2430;
  --line: rgba(18, 35, 63, 0.12);
  --line-light: rgba(247, 243, 234, 0.18);

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

  --radius: 4px;
  --max-width: 1120px;
  --shadow-soft: 0 12px 32px rgba(10, 22, 38, 0.10);
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--ivory);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

img { max-width: 100%; display: block; }

a { color: inherit; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: var(--ivory);
  padding: 12px 20px;
  z-index: 1000;
}
.skip-link:focus {
  left: 16px;
  top: 16px;
}

/* ============================================
   Buttons
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  border-radius: var(--radius);
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}
.btn:focus-visible {
  outline: 2px solid var(--brass);
  outline-offset: 3px;
}
.btn-primary {
  background: var(--brass);
  color: var(--navy-deep);
}
.btn-primary:hover { background: var(--brass-light); transform: translateY(-1px); }

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--ivory); }

.btn-ghost {
  background: transparent;
  color: var(--ivory);
  border-color: var(--line-light);
  padding: 10px 20px;
  font-size: 0.88rem;
}
.btn-ghost:hover { border-color: var(--brass); color: var(--brass-light); }

/* ============================================
   Header
   ============================================ */
.site-header {
  background: var(--navy-deep);
  color: var(--ivory);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--line-light);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--ivory);
}
.brand-mark {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.1rem;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--brass);
  color: var(--brass-light);
  border-radius: 50%;
  flex-shrink: 0;
}
.brand-text {
  font-family: var(--font-display);
  font-size: 1.02rem;
  line-height: 1.2;
}
.brand-text small {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--brass-light);
}
.site-nav {
  display: flex;
  gap: 28px;
}
.site-nav a {
  text-decoration: none;
  color: var(--ivory);
  font-size: 0.92rem;
  font-weight: 500;
  opacity: 0.85;
  border-bottom: 1px solid transparent;
  padding-bottom: 4px;
  transition: opacity 0.2s ease, border-color 0.2s ease;
}
.site-nav a:hover { opacity: 1; border-color: var(--brass); }

@media (max-width: 820px) {
  .site-nav { display: none; }
}

/* ============================================
   Hero
   ============================================ */
.hero {
  background:
    linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: var(--ivory);
  padding: 88px 0 64px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -120px;
  top: -120px;
  width: 420px;
  height: 420px;
  border: 1px solid var(--line-light);
  border-radius: 50%;
}
.hero::before {
  content: "";
  position: absolute;
  right: -40px;
  top: -40px;
  width: 300px;
  height: 300px;
  border: 1px solid var(--line-light);
  border-radius: 50%;
}
.hero-inner { position: relative; z-index: 1; max-width: 760px; }

.eyebrow {
  font-family: var(--font-mono);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.76rem;
  color: var(--brass-light);
  margin: 0 0 18px;
}

.hero h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(2.1rem, 4.6vw, 3.4rem);
  line-height: 1.08;
  margin: 0 0 22px;
  letter-spacing: -0.01em;
}

.hero-lede {
  font-size: 1.08rem;
  color: rgba(247, 243, 234, 0.82);
  max-width: 620px;
  margin: 0 0 34px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 48px;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  max-width: 560px;
  margin: 0;
  padding-top: 28px;
  border-top: 1px solid var(--line-light);
}
.hero-stats div { display: flex; flex-direction: column; gap: 4px; }
.hero-stats dt {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brass-light);
}
.hero-stats dd {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.1rem;
}

@media (max-width: 560px) {
  .hero-stats { grid-template-columns: 1fr; gap: 16px; }
}

/* ============================================
   Content / Article
   ============================================ */
.content {
  padding: 72px 24px 24px;
}
.content section {
  margin-bottom: 56px;
}
.content section:last-child { margin-bottom: 0; }

.content h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(1.5rem, 2.8vw, 2rem);
  color: var(--navy);
  margin: 0 0 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
}

.content h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.2rem;
  color: var(--navy);
  margin: 28px 0 10px;
}

.content p {
  margin: 0 0 16px;
  color: var(--ink);
  font-size: 1.02rem;
  max-width: 74ch;
}

.content a {
  color: var(--brass);
  text-decoration: underline;
  text-decoration-color: rgba(176, 141, 87, 0.4);
  text-underline-offset: 3px;
  font-weight: 600;
}
.content a:hover { text-decoration-color: var(--brass); }

/* ============================================
   Process (signature element)
   ============================================ */
.process-section {
  background: var(--ivory-dim);
  margin-left: -24px;
  margin-right: -24px;
  padding: 48px 24px;
  border-radius: 8px;
}

.process-steps {
  list-style: none;
  margin: 32px 0 0;
  padding: 0;
  position: relative;
}
.process-steps::before {
  content: "";
  position: absolute;
  left: 27px;
  top: 8px;
  bottom: 8px;
  width: 1px;
  background: var(--line);
}
.process-steps li {
  display: flex;
  gap: 22px;
  padding: 0 0 32px;
  position: relative;
}
.process-steps li:last-child { padding-bottom: 0; }

.step-num {
  font-family: var(--font-mono);
  font-size: 0.85rem;
  color: var(--navy-deep);
  background: var(--brass-light);
  border: 1px solid var(--brass);
  width: 56px;
  height: 56px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  z-index: 1;
}

.process-steps h3 {
  margin: 4px 0 6px;
  font-size: 1.08rem;
}
.process-steps p { margin: 0; max-width: 56ch; }

/* ============================================
   FAQ
   ============================================ */
.faq-section p { max-width: 68ch; }

.faq-list {
  margin-top: 28px;
  border-top: 1px solid var(--line);
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: none;
  border: none;
  text-align: left;
  padding: 20px 4px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy);
  cursor: pointer;
}
.faq-question:focus-visible {
  outline: 2px solid var(--brass);
  outline-offset: 2px;
}
.faq-icon {
  font-family: var(--font-mono);
  font-size: 1.2rem;
  color: var(--brass);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
.faq-question[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.faq-answer p {
  margin: 0 4px 20px;
  color: var(--slate);
  max-width: 68ch;
}

/* ============================================
   Contact
   ============================================ */
.contact-section {
  background: var(--navy-deep);
  color: var(--ivory);
  padding: 72px 0;
}
.contact-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: start;
}
.contact-copy h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(1.5rem, 2.6vw, 2rem);
  margin: 0 0 14px;
}
.contact-copy p {
  color: rgba(247, 243, 234, 0.78);
  max-width: 46ch;
  margin: 0 0 28px;
}
.contact-copy .eyebrow { color: var(--brass-light); }

.contact-details dl {
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.contact-details dt {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--brass-light);
  margin-bottom: 4px;
}
.contact-details dd {
  margin: 0;
  font-size: 1.08rem;
}
.contact-details a {
  color: var(--ivory);
  text-decoration: none;
  border-bottom: 1px solid var(--line-light);
}
.contact-details a:hover { border-color: var(--brass); }

@media (max-width: 720px) {
  .contact-inner { grid-template-columns: 1fr; }
}

/* ============================================
   Footer
   ============================================ */
.site-footer {
  background: var(--navy-deep);
  color: rgba(247, 243, 234, 0.6);
  padding: 24px 0 32px;
  border-top: 1px solid var(--line-light);
}
.footer-inner p {
  margin: 0 0 6px;
  font-size: 0.85rem;
}
.footer-note { color: rgba(247, 243, 234, 0.42); }

/* ============================================
   Responsive
   ============================================ */
@media (max-width: 600px) {
  .hero { padding: 64px 0 48px; }
  .content { padding: 48px 20px 20px; }
  .header-cta { display: none; }
  .process-section { border-radius: 0; }
}