/* ============================================================
   Nathan Carpenter — Mortgage Loan Officer
   Design tokens
   ============================================================ */
:root {
  --navy: #16233F;
  --navy-soft: #1E2F52;
  --gold: #C6A15B;
  --gold-deep: #A9813E;
  --cream: #F7F4EC;
  --paper: #FFFFFF;
  --ink: #212936;
  --slate: #5B6472;
  --line: #E4DFD2;

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

  --radius: 14px;
  --radius-sm: 8px;
  --shadow-soft: 0 10px 30px -12px rgba(22, 35, 63, 0.25);
  --wrap: 1160px;
}

@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }

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

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

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

h1 { font-size: clamp(2.2rem, 4.4vw, 3.4rem); font-weight: 500; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.15rem); margin-top: 2.4em; }
h3 { font-size: clamp(1.15rem, 1.8vw, 1.35rem); margin-top: 1.8em; color: var(--navy-soft); }

p { margin: 0 0 1.1em; color: var(--ink); }

a { color: var(--gold-deep); }

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: 10px 16px;
  z-index: 1000;
}
.skip-link:focus {
  left: 16px;
  top: 16px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 14px 26px;
  border-radius: 999px;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold-deep); transform: translateY(-1px); }
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-block { width: 100%; margin-top: 18px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 244, 236, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.2s ease;
}
.site-header.is-scrolled { box-shadow: 0 6px 20px -14px rgba(22,35,63,0.35); }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.brand-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-mono);
  font-size: 0.8rem;
  letter-spacing: 0.03em;
  flex-shrink: 0;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; }
.brand-role { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--slate); }

.main-nav {
  display: flex;
  gap: 28px;
}
.main-nav a {
  color: var(--ink);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 500;
  position: relative;
}
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -6px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}
.main-nav a:hover::after { transform: scaleX(1); }

.header-actions { display: flex; align-items: center; gap: 14px; }
.phone-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-mono);
  font-size: 0.85rem;
  color: var(--navy);
  text-decoration: none;
  border: 1px solid var(--line);
  padding: 8px 14px;
  border-radius: 999px;
}
.phone-pill .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: #3E9C63;
  flex-shrink: 0;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  margin: 0 auto;
  background: var(--navy);
}

/* ---------- Hero ---------- */
.hero {
  padding: 72px 0 60px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: center;
}
.eyebrow {
  font-family: var(--font-mono);
  text-transform: uppercase;
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  color: var(--gold-deep);
  margin: 0 0 14px;
}
.hero-lede {
  font-size: 1.08rem;
  color: var(--slate);
  max-width: 54ch;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 28px 0 24px;
}
.hero-trust {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  padding: 0;
  margin: 0;
  font-size: 0.85rem;
  color: var(--slate);
}
.hero-trust li { position: relative; padding-left: 16px; }
.hero-trust li::before {
  content: "";
  position: absolute;
  left: 0; top: 7px;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

/* Signature element: Eligibility Ledger card */
.ledger-card {
  background: var(--navy);
  color: #EDE7D6;
  border-radius: var(--radius);
  padding: 28px 26px 22px;
  box-shadow: var(--shadow-soft);
  position: relative;
  overflow: hidden;
}
.ledger-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    repeating-linear-gradient(180deg, rgba(255,255,255,0.035) 0 1px, transparent 1px 34px);
  pointer-events: none;
}
.ledger-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  padding-bottom: 16px;
  border-bottom: 1px dashed rgba(237,231,214,0.35);
  margin-bottom: 16px;
}
.ledger-title {
  font-family: var(--font-display);
  font-size: 1.1rem;
}
.ledger-stamp {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.12em;
  color: var(--navy);
  background: var(--gold);
  padding: 5px 10px;
  border-radius: 4px;
  transform: rotate(4deg);
  font-weight: 700;
}
.ledger-list {
  list-style: none;
  margin: 0 0 16px;
  padding: 0;
}
.ledger-list li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  border-bottom: 1px solid rgba(237,231,214,0.12);
  font-size: 0.88rem;
}
.ledger-list li:last-child { border-bottom: none; }
.ledger-list b {
  font-family: var(--font-mono);
  font-weight: 500;
  font-size: 0.76rem;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.ledger-foot {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  padding-top: 14px;
  border-top: 1px dashed rgba(237,231,214,0.35);
  color: #C9C2AC;
}
.mono { font-family: var(--font-mono); }

/* ---------- Content / Article ---------- */
.content { padding: 20px 0 40px; }
.content-grid {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 56px;
  align-items: start;
}
.prose { max-width: 72ch; }
.prose ul.check-list {
  list-style: none;
  margin: 0 0 1.2em;
  padding: 0;
}
.prose ul.check-list li {
  position: relative;
  padding: 6px 0 6px 30px;
  border-bottom: 1px solid var(--line);
}
.prose ul.check-list li:last-child { border-bottom: none; }
.prose ul.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 6px;
  color: var(--gold-deep);
  font-weight: 700;
}

/* Side rail */
.side-rail {
  position: sticky;
  top: 96px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.rail-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}
.rail-eyebrow {
  font-family: var(--font-mono);
  text-transform: uppercase;
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  color: var(--gold-deep);
  margin: 0 0 12px;
}
.rail-list {
  list-style: none;
  margin: 0;
  padding: 0;
  font-size: 0.88rem;
  color: var(--slate);
}
.rail-list li {
  padding: 8px 0;
  border-bottom: 1px solid var(--line);
}
.rail-list li:last-child { border-bottom: none; }
.rail-quote p {
  font-family: var(--font-display);
  font-style: italic;
  color: var(--navy-soft);
  font-size: 1.02rem;
  margin: 0;
}

/* FAQ accordion */
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy);
  padding: 18px 30px 18px 0;
  cursor: pointer;
  position: relative;
}
.faq-question:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.faq-question::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 14px;
  font-size: 1.4rem;
  color: var(--gold-deep);
  transition: transform 0.2s ease;
}
.faq-question[aria-expanded="true"]::after { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.faq-answer p { padding-bottom: 16px; color: var(--slate); }
.faq-item.is-open .faq-answer { max-height: 300px; }

/* ---------- Contact ---------- */
.contact {
  background: var(--navy);
  color: #EDE7D6;
  padding: 64px 0;
  margin-top: 40px;
}
.contact-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 50px;
  align-items: center;
}
.eyebrow-light { color: var(--gold); }
.contact h2 { color: #fff; margin-top: 0; }
.contact-copy { color: #C9C2AC; max-width: 46ch; }
.contact-details {
  display: grid;
  gap: 18px;
  margin: 0;
}
.contact-details > div {
  border-top: 1px solid rgba(237,231,214,0.18);
  padding-top: 14px;
}
.contact-details dt {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 6px;
}
.contact-details dd {
  margin: 0;
  font-size: 1.02rem;
}
.contact-details a { color: #EDE7D6; text-decoration: none; }
.contact-details a:hover { text-decoration: underline; }

/* ---------- Footer ---------- */
.site-footer { background: #101B32; color: #A9A28D; padding: 30px 0; }
.footer-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 24px;
  justify-content: space-between;
}
.footer-inner > div:first-child {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #EDE7D6;
  font-size: 0.92rem;
}
.footer-fine { font-size: 0.78rem; max-width: 60ch; margin: 0; color: #8B856F; }

/* ---------- Reveal on scroll ---------- */
.reveal {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 980px) {
  .content-grid { grid-template-columns: 1fr; }
  .side-rail { position: static; flex-direction: row; flex-wrap: wrap; }
  .rail-card { flex: 1 1 260px; }
}

@media (max-width: 860px) {
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .site-header.nav-open .main-nav {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--cream);
    border-bottom: 1px solid var(--line);
    padding: 16px 24px 24px;
    gap: 16px;
  }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { order: -1; }
  .contact-grid { grid-template-columns: 1fr; }
  .phone-pill span.dot { display: inline-block; }
}

@media (max-width: 560px) {
  .wrap { padding: 0 18px; }
  .hero { padding: 44px 0 40px; }
  .btn { width: 100%; }
  .hero-actions { flex-direction: column; }
  .phone-pill { display: none; }
}