/* =============================================
   Jared Stansfield | Mortgage Broker
   styles.css — Shared stylesheet
   ============================================= */

/* === Reset & Base === */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy: #117ACA;
  --navy-dark: #0d5fa0;
  --navy-light: #2a90d8;
  --gold: #128842;
  --gold-light: #1aa854;
  --gold-dark: #0d6b33;
  --gold-metallic: linear-gradient(135deg, #0d6b33 0%, #128842 30%, #2dd66e 50%, #128842 70%, #0d6b33 100%);
  --white: #ffffff;
  --off-white: #f7f8fa;
  --light-gray: #e8edf3;
  --mid-gray: #6b7a8d;
  --dark-gray: #2e3a4a;
  --text: #1e2d3d;
  --font-stack: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji";
  --border-radius: 8px;
  --shadow: 0 2px 12px rgba(26, 46, 74, 0.10);
  --shadow-md: 0 4px 24px rgba(26, 46, 74, 0.15);
  --transition: 0.22s ease;
}

html {
  scroll-behavior: smooth;
}



body {
  font-family: var(--font-stack);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

a {
  color: var(--navy);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover {
  color: var(--navy-dark);
}

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

h1, h2, h3, h4 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.2rem); }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); }
h4 { font-size: 1rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

ul { list-style: none; }

/* === Layout === */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

main {
  flex: 1;
}

section {
  padding: 72px 0;
}

/* === Buttons === */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: var(--border-radius);
  font-family: var(--font-stack);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background var(--transition), color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
  text-align: center;
  letter-spacing: 0.02em;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-primary {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}

.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--white);
}

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

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

.btn-white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

.btn-white:hover {
  background: var(--off-white);
  color: var(--navy-dark);
}

/* === Navigation === */
.navbar {
  background: var(--white);
  border-bottom: 1px solid var(--light-gray);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 16px rgba(0,0,0,0.25);
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}

.navbar-brand {
  display: flex;
  flex-direction: column;
}

.navbar-brand .brand-name {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: 0.01em;
  line-height: 1.1;
}

.navbar-brand .brand-sub {
  font-size: 0.72rem;
  color: var(--mid-gray);
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.navbar-brand:hover .brand-name,
.navbar-brand:hover .brand-sub {
  color: var(--navy);
}

.nav-links {
  display: flex;
  gap: 4px;
  align-items: center;
}

.nav-links a {
  color: var(--text);
  font-size: 0.93rem;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: 6px;
  transition: background var(--transition), color var(--transition);
  letter-spacing: 0.01em;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--navy);
  background: rgba(17, 122, 202, 0.10);
}

.nav-links .nav-cta {
  background: var(--gold);
  color: var(--white);
  margin-left: 8px;
  font-weight: 600;
}

.nav-links .nav-cta:hover {
  background: var(--gold-light);
  color: var(--white);
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border: none;
  background: transparent;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}

.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* === Hero === */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  color: var(--white);
  padding: 60px 0 50px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 0;
  background: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 700px;
}

.hero-eyebrow {
  display: inline-block;
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 20px;
  padding: 6px 14px;
  border: 1px solid rgba(255,255,255,0.4);
  border-radius: 4px;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
}

.hero h1 span {
  color: var(--white);
}

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.80);
  margin-bottom: 36px;
  max-width: 560px;
  line-height: 1.7;
}

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

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 40px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.04em;
}

.hero-badge::before {
  content: '';
  display: inline-block;
  width: 28px;
  height: 1px;
  background: var(--white);
}

/* === Section Headers === */
.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-header .eyebrow {
  display: inline-block;
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-header p {
  color: var(--mid-gray);
  max-width: 560px;
  margin: 0 auto;
  font-size: 1.05rem;
}

.divider {
  width: 56px;
  height: 3px;
  background: var(--navy);
  border-radius: 3px;
  margin: 20px auto 0;
}

.divider-left {
  margin: 16px 0 0;
}

/* === Cards === */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 28px;
}

.card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: 12px;
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: rgba(201,168,76,0.4);
}

.card-icon {
  font-size: 2rem;
  margin-bottom: 16px;
  display: block;
}

.card h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}

.card p {
  color: var(--mid-gray);
  font-size: 0.95rem;
  line-height: 1.65;
}

.card-tag {
  display: inline-block;
  margin-top: 14px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  background: rgba(17,122,202,0.10);
  padding: 4px 10px;
  border-radius: 4px;
}

/* === Highlight Stripe === */
.stripe {
  background: var(--navy-dark);
  color: var(--white);
  padding: 64px 0;
}

.stripe h2, .stripe h3 {
  color: var(--white);
}

.stripe p {
  color: rgba(255,255,255,0.75);
}

/* === Stats Row === */
.stats-row {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  justify-content: center;
}

.stat-item {
  text-align: center;
}

.stat-number {
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  display: block;
}

.stat-label {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
  margin-top: 6px;
  letter-spacing: 0.04em;
}

/* === About Page === */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 60px;
  align-items: start;
}

.photo-placeholder {
  background: var(--light-gray);
  border-radius: 12px;
  aspect-ratio: 3/4;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: var(--mid-gray);
  font-size: 0.9rem;
  text-align: center;
  border: 2px dashed #c8d3df;
  gap: 12px;
  max-width: 360px;
}

.photo-placeholder .photo-icon {
  font-size: 3rem;
  opacity: 0.4;
}

.about-text h2 {
  margin-bottom: 20px;
}

.about-text p {
  color: var(--mid-gray);
}

.diff-list {
  margin-top: 28px;
}

.diff-item {
  display: flex;
  gap: 14px;
  margin-bottom: 18px;
  align-items: flex-start;
}

.diff-icon {
  width: 36px;
  height: 36px;
  min-width: 36px;
  background: rgba(201,168,76,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  margin-top: 2px;
}

.diff-content h4 {
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 3px;
}

.diff-content p {
  font-size: 0.88rem;
  color: var(--mid-gray);
  margin: 0;
}

/* === Company Page === */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 40px;
}

.compare-card {
  border-radius: 12px;
  padding: 36px 32px;
}

.compare-card.broker {
  background: var(--navy-dark);
  color: var(--white);
}

.compare-card.broker h3 {
  color: var(--white);
}

.compare-card.bank {
  background: var(--off-white);
  border: 1px solid var(--light-gray);
}

.compare-list {
  margin-top: 20px;
}

.compare-list li {
  display: flex;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 0.93rem;
  color: rgba(255,255,255,0.80);
  align-items: flex-start;
}

.compare-card.bank .compare-list li {
  color: var(--mid-gray);
}

.compare-list li::before {
  content: '✓';
  color: var(--white);
  font-weight: 700;
  min-width: 16px;
}

.compare-card.bank .compare-list li::before {
  content: '✗';
  color: #c0392b;
}

/* === Forms === */
.forms-section {
  background: var(--off-white);
}

.form-card {
  background: var(--white);
  border-radius: 12px;
  padding: 40px 40px;
  box-shadow: var(--shadow);
  border: 1px solid var(--light-gray);
  margin-bottom: 40px;
}

.form-card h2 {
  margin-bottom: 8px;
}

.form-card .form-desc {
  color: var(--mid-gray);
  margin-bottom: 28px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-group label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: 0.02em;
}

.form-group input,
.form-group select,
.form-group textarea {
  font-family: var(--font-stack);
  font-size: 0.95rem;
  padding: 12px 14px;
  border: 1.5px solid var(--light-gray);
  border-radius: var(--border-radius);
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  width: 100%;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,46,74,0.10);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: #e74c3c;
  box-shadow: 0 0 0 3px rgba(231,76,60,0.10);
}

.form-group textarea {
  resize: vertical;
  min-height: 110px;
}

.field-error {
  color: #e74c3c;
  font-size: 0.78rem;
  margin-top: 2px;
  display: none;
}

.field-error.visible {
  display: block;
}

.form-actions {
  margin-top: 28px;
  display: flex;
  gap: 14px;
  align-items: center;
}

.form-note {
  font-size: 0.78rem;
  color: var(--mid-gray);
}

.success-msg {
  display: none;
  background: #eafaf1;
  border: 1px solid #abebc6;
  border-radius: var(--border-radius);
  padding: 14px 18px;
  color: #1e8449;
  font-size: 0.9rem;
  margin-top: 16px;
}

.success-msg.visible {
  display: block;
}

/* === Trust Badges === */
.trust-bar {
  background: var(--off-white);
  border-top: 1px solid var(--light-gray);
  border-bottom: 1px solid var(--light-gray);
  padding: 28px 0;
}

.trust-items {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--mid-gray);
  font-weight: 500;
}

.trust-icon {
  font-size: 1.3rem;
}

/* === CTA Section === */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
  text-align: center;
  padding: 80px 0;
}

.cta-section h2 {
  color: var(--white);
  margin-bottom: 16px;
}

.cta-section p {
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  font-size: 1.05rem;
}

/* === Footer === */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.65);
  padding: 48px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}

.footer-brand .brand-name {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  display: block;
  margin-bottom: 4px;
}

.footer-brand .brand-nmls {
  font-size: 0.8rem;
  color: var(--white);
  display: block;
  margin-bottom: 12px;
}

.footer-brand p {
  font-size: 0.85rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.50);
}

.footer-col h4 {
  color: var(--white);
  font-size: 0.88rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.footer-col ul li {
  margin-bottom: 8px;
}

.footer-col ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}

.footer-col ul li a:hover {
  color: var(--white);
}

.footer-bottom {
  padding-top: 24px;
}

.footer-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.7;
  text-align: center;
}

.equal-housing {
  display: inline-block;
  font-size: 1.4rem;
  margin-right: 6px;
  vertical-align: middle;
}

/* === Responsive === */
@media (max-width: 768px) {
  section { padding: 52px 0; }

  .nav-links {
    display: none;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    flex-direction: column;
    padding: 16px;
    gap: 4px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.3);
    border-top: 1px solid rgba(255,255,255,0.08);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 12px 16px;
    border-radius: 6px;
  }

  .nav-links .nav-cta {
    margin-left: 0;
    margin-top: 8px;
    text-align: center;
  }

  .navbar {
    position: relative;
  }

  .nav-toggle {
    display: flex;
  }

  .hero {
    padding: 64px 0 56px;
  }

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .btn {
    width: 100%;
    text-align: center;
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .photo-placeholder {
    max-width: 100%;
    aspect-ratio: 4/3;
  }

  .compare-grid {
    grid-template-columns: 1fr;
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .form-group.full-width {
    grid-column: 1;
  }

  .form-card {
    padding: 28px 20px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .stats-row {
    gap: 32px;
  }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .cards-grid { grid-template-columns: 1fr; }
}

/* === Page Header Banner === */
.page-banner {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  padding: 56px 0 48px;
  color: var(--white);
  border-bottom: 3px solid var(--white);
}

.page-banner .eyebrow {
  display: inline-block;
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.page-banner h1 {
  color: var(--white);
  margin-bottom: 12px;
  font-size: clamp(1.6rem, 4vw, 2.4rem);
}

.page-banner p {
  color: rgba(255,255,255,0.70);
  font-size: 1.05rem;
  max-width: 600px;
  margin: 0;
}

/* === Top Contact Bar === */
.topbar {
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  padding: 8px 0;
  font-size: 0.82rem;
}
.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar-contact {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.topbar-contact a {
  color: rgba(255,255,255,0.75);
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  transition: color var(--transition);
}
.topbar-contact a:hover { color: var(--white); }
.topbar-social {
  display: flex;
  gap: 12px;
  align-items: center;
}
.topbar-social a {
  color: rgba(255,255,255,0.55);
  font-size: 0.82rem;
  transition: color var(--transition);
  display: flex;
  align-items: center;
  gap: 4px;
}
.topbar-social a:hover { color: var(--white); }
@media (max-width: 768px) { .topbar { display: none; } }

/* === Contact Page === */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
  align-items: start;
}
.contact-info-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: 12px;
  padding: 36px 32px;
  box-shadow: var(--shadow);
}
.contact-info-card h3 { margin-bottom: 24px; font-size: 1.3rem; }
.contact-detail {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 24px;
}
.contact-detail-icon {
  width: 44px; height: 44px; min-width: 44px;
  background: rgba(201,168,76,0.12);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.contact-detail-text h4 {
  font-size: 0.82rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--mid-gray); margin-bottom: 4px;
}
.contact-detail-text a,
.contact-detail-text p { font-size: 1rem; color: var(--text); font-weight: 500; margin: 0; }
.contact-detail-text a:hover { color: var(--navy-dark); }
.social-links {
  display: flex; gap: 12px; margin-top: 28px;
  padding-top: 24px; border-top: 1px solid var(--light-gray);
  flex-wrap: wrap;
}
.social-link {
  display: flex; align-items: center; gap: 8px;
  padding: 10px 18px;
  border: 1.5px solid var(--light-gray);
  border-radius: 8px;
  font-size: 0.85rem; font-weight: 600; color: var(--navy);
  transition: all var(--transition);
}
.social-link:hover { border-color: var(--navy); color: var(--navy-dark); background: rgba(17,122,202,0.06); }
@media (max-width: 768px) { .contact-grid { grid-template-columns: 1fr; } }