/* Mortgage Strategist — design system */
:root{
  --navy:#101F39; --blue:#1C3557; --teal:#62D4CC; --gold:#C6A66B;
  --offwhite:#F5F7FA; --white:#FFFFFF; --charcoal:#202B3C;
  --muted:#54657C; --line:#DFE6EE; --radius:14px;
  --shadow:0 6px 24px rgba(16,31,57,.08);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Inter,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--charcoal);background:var(--white);line-height:1.65;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.wordmark{text-decoration:none;line-height:1.15}
.wordmark .name{display:block;font-weight:800;letter-spacing:2.5px;color:var(--navy);font-size:17px}
.wordmark .brand{display:block;font-size:11px;letter-spacing:4px;color:var(--gold);font-weight:700}
.main-nav{display:flex;gap:22px;align-items:center}
.main-nav a{text-decoration:none;color:var(--charcoal);font-size:15px;font-weight:600}
.main-nav a:hover{color:var(--blue)}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:13px 24px;border-radius:10px;font-size:15.5px;border:1px solid var(--navy);transition:background .15s ease}
.btn:hover{background:var(--blue)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.gold:hover{background:#b6965a}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:var(--offwhite)}
.btn.small{padding:9px 16px;font-size:14px}
.nav-toggle{display:none;background:none;border:0;font-size:26px;color:var(--navy);cursor:pointer}
@media (max-width:860px){
  .main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px;border-bottom:1px solid var(--line);gap:14px}
  .main-nav.open{display:flex}
  .nav-toggle{display:block}
}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--blue) 78%);color:#fff;padding:84px 0 76px}
.hero .kicker{color:var(--teal);letter-spacing:3.5px;font-size:12.5px;font-weight:700;text-transform:uppercase}
.hero h1{font-size:46px;line-height:1.12;margin:16px 0 14px;max-width:720px}
.hero p.lede{font-size:20px;color:#D7E1EE;max-width:640px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero .fineprint{margin-top:18px;font-size:13.5px;color:#9FB2C8}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:center}
.hero-photo{border-radius:18px;box-shadow:0 18px 48px rgba(0,0,0,.35);width:100%;object-fit:cover}
@media (max-width:860px){.hero{padding:56px 0}.hero h1{font-size:34px}.hero-grid{grid-template-columns:1fr}}

/* Sections */
section{padding:70px 0}
section.alt{background:var(--offwhite)}
.section-head{max-width:760px;margin-bottom:36px}
.section-head .kicker{color:var(--blue);letter-spacing:3px;font-size:12px;font-weight:700;text-transform:uppercase}
.section-head h2{font-size:32px;color:var(--navy);margin:10px 0 10px;line-height:1.25}
.section-head p{color:var(--muted)}
h2{color:var(--navy)}
h3{color:var(--navy)}

/* Cards */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:960px){.card-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.card-grid{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);text-decoration:none;color:var(--charcoal);display:block}
.card h3{font-size:19px;margin-bottom:8px}
.card p{font-size:15.5px;color:var(--muted)}
.card .more{color:var(--blue);font-weight:700;font-size:14.5px;margin-top:12px;display:inline-block}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
@media (max-width:960px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.step .num{width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted)}

/* FAQ */
.faq{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq .a{padding:0 22px 18px;color:var(--muted);font-size:15.5px}

/* Prose (articles, service pages) */
.prose h2{font-size:27px;margin:34px 0 12px}
.prose h3{font-size:20px;margin:26px 0 8px}
.prose p{margin-bottom:14px}
.prose ul{margin:0 0 16px 22px}
.prose li{margin-bottom:7px}
.prose .answer-first{background:var(--offwhite);border-left:4px solid var(--teal);padding:18px 20px;border-radius:0 12px 12px 0;margin-bottom:22px}
.checklist{list-style:none;margin:0 0 16px 0}
.checklist li{padding-left:28px;position:relative;margin-bottom:9px}
.checklist li::before{content:"";position:absolute;left:0;top:9px;width:12px;height:12px;border-radius:3px;background:var(--teal)}

/* Forms + calculators */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:30px}
label{display:block;font-weight:600;font-size:14.5px;margin:16px 0 6px;color:var(--navy)}
label:first-child{margin-top:0}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #C6D2DF;border-radius:9px;font-size:16px;font-family:inherit;background:#fff;color:var(--charcoal)}
input[type=range]{padding:0}
textarea{min-height:110px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.consent input{width:auto;margin-top:4px}
.calc-out{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px;margin-top:24px}
.calc-out .big{font-size:34px;font-weight:800}
.calc-out table{width:100%;border-collapse:collapse;margin-top:10px}
.calc-out td{padding:6px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:15px}
.calc-out td:last-child{text-align:right;font-weight:700}
.disclaimer{font-size:13px;color:var(--muted);margin-top:16px}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;border-radius:18px;padding:44px;text-align:center}
.cta-band h2{color:#fff;font-size:29px;margin-bottom:10px}
.cta-band p{color:#C9D6E6;max-width:560px;margin:0 auto 22px}

/* Footer */
.site-footer{background:var(--navy);color:#C9D6E6;padding:56px 0 34px;margin-top:0}
.site-footer a{color:#E8EEF6;text-decoration:none}
.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
@media (max-width:760px){.site-footer .cols{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:15px;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:14px}
.site-footer li{list-style:none;margin-bottom:9px;font-size:15px}
.site-footer .legal{border-top:1px solid rgba(255,255,255,.15);margin-top:36px;padding-top:22px;font-size:12.5px;color:#8FA3BC;line-height:1.7}
.badge{display:inline-block;border:1px solid var(--gold);color:var(--gold);border-radius:999px;padding:4px 12px;font-size:12.5px;font-weight:700;letter-spacing:1px}