/* ==========================================================================
   Nathan Carpenter — Mortgage Loan Officer
   Design tokens
   -------------------------------------------------------------------------
   Ink Navy   #101F30  — dark ground for header/footer/contact
   Paper      #FBF8F2  — light ground, warm paper tone
   Slate      #1B2B3A  — body text
   Brass      #A9793C  — primary accent (loan-document brass, not terracotta)
   Sage       #5E7A6C  — secondary accent
   Line       #DCD5C6  — hairline / divider color
   ========================================================================== */

:root {
  --ink: #101F30;
  --ink-soft: #17293D;
  --paper: #FBF8F2;
  --paper-dim: #F3EEE2;
  --slate: #1B2B3A;
  --slate-soft: #4A5A68;
  --brass: #A9793C;
  --brass-deep: #8C6330;
  --sage: #5E7A6C;
  --line: #DCD5C6;
  --line-dark: rgba(255,255,255,0.14);
  --white: #FFFFFF;

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

  --radius: 4px;
  --wrap: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--slate);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

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

h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--ink);
  line-height: 1.15;
  margin: 0 0 0.5em;
  font-weight: 600;
}

h1 { font-size: clamp(2rem, 4.4vw, 3.1rem); font-weight: 700; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); }
h3 { font-size: 1.15rem; font-weight: 600; }

p { margin: 0 0 1em; color: var(--slate-soft); }

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--brass-deep);
  margin: 0 0 0.9em;
  font-weight: 500;
}
.eyebrow-light { color: #D8B98A; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }

.btn-primary {
  background: var(--brass);
  color: var(--white);
}
.btn-primary:hover { background: var(--brass-deep); }

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

.btn-ghost {
  background: transparent;
  border-color: var(--line-dark);
  color: var(--white);
  padding: 10px 18px;
  font-size: 0.9rem;
}
.btn-ghost:hover { background: rgba(255,255,255,0.08); }

/* ===== Header ===== */
.site-header {
  background: var(--ink);
  border-bottom: 1px solid var(--line-dark);
  position: sticky;
  top: 0;
  z-index: 40;
}
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding-top: 16px;
  padding-bottom: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.brand-mark {
  width: 40px;
  height: 40px;
  border: 1px solid var(--brass);
  color: var(--brass);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.95rem;
  flex-shrink: 0;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { color: var(--white); font-weight: 600; font-size: 0.98rem; }
.brand-role { color: #9FB0BF; font-size: 0.78rem; font-family: var(--font-mono); letter-spacing: 0.03em; }

.site-nav {
  display: flex;
  gap: 28px;
}
.site-nav a {
  color: #C9D3DB;
  font-size: 0.92rem;
  font-weight: 500;
  transition: color 0.15s ease;
}
.site-nav a:hover { color: var(--brass); }

.header-cta { flex-shrink: 0; }

/* ===== Hero ===== */
.hero {
  background: var(--ink);
  background-image: linear-gradient(180deg, var(--ink) 0%, var(--ink-soft) 100%);
  padding: 72px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -120px;
  top: -80px;
  width: 420px;
  height: 420px;
  border: 1px solid rgba(169,121,60,0.25);
  border-radius: 50%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.85fr;
  gap: 56px;
  align-items: center;
  position: relative;
}
.hero-copy h1 { color: var(--white); }
.hero-lead {
  color: #B9C4CD;
  font-size: 1.08rem;
  max-width: 46ch;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 28px 0 20px;
}
.hero-fine {
  color: #7E8E9B;
  font-size: 0.85rem;
  font-family: var(--font-mono);
  margin: 0;
}

.hero-panel {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 28px 26px;
  box-shadow: 0 24px 48px rgba(0,0,0,0.35);
  border-top: 3px solid var(--brass);
}
.panel-label {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--sage);
  margin-bottom: 18px;
}
.panel-list {
  list-style: none;
  margin: 0 0 14px;
  padding: 0;
}
.panel-list li {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px dashed var(--line);
  font-size: 0.92rem;
}
.panel-list li:last-child { border-bottom: none; }
.panel-list span { color: var(--slate-soft); }
.panel-list strong { color: var(--ink); font-weight: 600; text-align: right; }
.panel-note {
  font-size: 0.76rem;
  color: #93A0A9;
  margin: 0;
}

/* ===== Sections ===== */
.section { padding: 76px 0; }
.section-alt { background: var(--paper-dim); }

.prose { max-width: 74ch; }
.prose p { font-size: 1.02rem; }
.prose h3 { margin-top: 1.6em; }

/* ===== Steps (process) ===== */
.steps {
  list-style: none;
  margin: 40px 0 0;
  padding: 0;
  display: grid;
  gap: 0;
  border-top: 1px solid var(--line);
}
.step {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
  align-items: baseline;
}
.step-index {
  font-family: var(--font-mono);
  font-size: 0.95rem;
  color: var(--brass);
  font-weight: 500;
}
.step h3 { margin-bottom: 0.35em; }
.step p { margin: 0; font-size: 0.98rem; }

/* ===== FAQ ===== */
.faq-list {
  margin-top: 36px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px 48px;
}
.faq-item {
  border-top: 1px solid var(--line);
  padding-top: 16px;
}
.faq-item h3 {
  font-size: 1.02rem;
  margin-bottom: 8px;
}
.faq-item p {
  font-size: 0.95rem;
  margin: 0;
}

/* ===== Contact ===== */
.contact {
  background: var(--ink);
  color: var(--white);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 56px;
  align-items: start;
}
.contact h2 { color: var(--white); }
.contact-lead {
  color: #B9C4CD;
  max-width: 44ch;
  margin-bottom: 24px;
}
.contact-details {
  margin: 0;
  display: grid;
  gap: 22px;
}
.contact-details > div {
  border-bottom: 1px solid var(--line-dark);
  padding-bottom: 18px;
}
.contact-details dt {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #8FA0AC;
  margin-bottom: 6px;
}
.contact-details dd {
  margin: 0;
  font-size: 1.05rem;
  color: var(--white);
}
.contact-details a:hover { color: var(--brass); }

/* ===== Footer ===== */
.site-footer {
  background: var(--ink);
  border-top: 1px solid var(--line-dark);
  padding: 22px 0;
}
.footer-row {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.footer-row p {
  margin: 0;
  color: #8393A0;
  font-size: 0.85rem;
}
.footer-row a {
  color: #B9C4CD;
  font-size: 0.85rem;
  font-family: var(--font-mono);
}
.footer-row a:hover { color: var(--brass); }

/* ===== Focus states ===== */
a:focus-visible,
button:focus-visible {
  outline: 2px solid var(--brass);
  outline-offset: 3px;
}

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

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

@media (max-width: 560px) {
  .section { padding: 56px 0; }
  .hero { padding: 48px 0 64px; }
  .header-row { gap: 12px; }
  .header-cta { font-size: 0.82rem; padding: 9px 14px; }
  .brand-role { display: none; }
  .step { grid-template-columns: 44px 1fr; gap: 16px; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { justify-content: center; }
}