/* ==========================================================================
   Mortgage Ready — marketing site stylesheet
   Institutional, trustworthy. Navy + cream + muted gold.
   ========================================================================== */

/* ---------- Tokens ---------- */
:root {
  /* Colour */
  --ink: #0A1628;
  --navy: #0C2340;
  --navy-700: #102C52;
  --navy-600: #13345C;
  --navy-100: #DFE5EF;
  --navy-50:  #EEF2F8;

  --cream: #F6F2EA;
  --parchment: #FBF8F2;
  --white: #FFFFFF;

  --gold: #B08A4D;
  --gold-dark: #8F6E38;
  --gold-50: #F6EED9;

  --slate-900: #1A2332;
  --slate-700: #334155;
  --slate-500: #64748B;
  --slate-400: #94A3B8;
  --slate-200: #E2E8F0;
  --slate-100: #F1F5F9;

  --success: #1F6E43;
  --danger:  #B0413E;

  /* Type */
  --font-serif: "Source Serif 4", "Source Serif Pro", Georgia, "Times New Roman", serif;
  --font-sans:  "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;

  /* Layout */
  --container: 1180px;
  --container-narrow: 880px;
  --radius: 6px;
  --radius-lg: 10px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(10, 22, 40, 0.06), 0 1px 1px rgba(10, 22, 40, 0.04);
  --shadow-md: 0 4px 10px rgba(10, 22, 40, 0.06), 0 2px 4px rgba(10, 22, 40, 0.04);
  --shadow-lg: 0 12px 28px rgba(10, 22, 40, 0.08), 0 4px 10px rgba(10, 22, 40, 0.04);

  /* Transitions */
  --t: 160ms ease;
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate-900);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; transition: color var(--t); }
a:hover { color: var(--gold-dark); }

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--ink);
  margin: 0 0 0.5em;
  line-height: 1.2;
  font-weight: 600;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.25rem, 4.2vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 3vw, 2.4rem); }
h3 { font-size: 1.4rem; }
h4 { font-size: 1.1rem; font-family: var(--font-sans); font-weight: 600; }

p { margin: 0 0 1em; color: var(--slate-700); }
p.lead { font-size: 1.15rem; color: var(--slate-700); max-width: 62ch; }

ul, ol { padding-left: 1.25em; color: var(--slate-700); }
li { margin-bottom: 0.4em; }

hr { border: 0; border-top: 1px solid var(--slate-200); margin: 3rem 0; }

::selection { background: var(--gold-50); color: var(--ink); }

/* ---------- Layout helpers ---------- */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 24px; }

.section { padding: 80px 0; }
.section-tight { padding: 56px 0; }
.section-alt { background: var(--parchment); }
.section-navy { background: var(--navy); color: var(--navy-100); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: var(--navy-100); }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  font-weight: 600;
  margin-bottom: 14px;
}

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

.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* ---------- Announcement bar ---------- */
.announce {
  background: var(--ink);
  color: var(--navy-100);
  text-align: center;
  font-size: 0.9rem;
  padding: 10px 16px;
  letter-spacing: 0.01em;
}
.announce a { color: var(--gold-50); text-decoration: underline; text-underline-offset: 3px; }
.announce a:hover { color: var(--white); }

/* ---------- Header / nav ---------- */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--slate-200);
  position: sticky;
  top: 0;
  z-index: 40;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav__brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.2rem;
  color: var(--ink);
}
.nav__brand img, .nav__brand svg { height: 30px; width: auto; }
.nav__links {
  display: flex;
  gap: 28px;
  list-style: none;
  padding: 0;
  margin: 0;
}
.nav__links a {
  color: var(--slate-700);
  font-weight: 500;
  font-size: 0.95rem;
}
.nav__links a:hover, .nav__links a.active { color: var(--navy); }
.nav__cta { display: flex; align-items: center; gap: 14px; }

.nav__toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 8px 10px;
  cursor: pointer;
}
.nav__toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--ink);
  margin: 4px 0;
}

@media (max-width: 860px) {
  .nav__links, .nav__cta .nav__signin { display: none; }
  .nav__toggle { display: block; }
  .nav.open .nav__links {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--slate-200);
    padding: 20px 24px;
    gap: 16px;
  }
  .nav.open .nav__cta .nav__signin { display: inline-flex; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 20px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: background var(--t), color var(--t), border-color var(--t), transform var(--t);
  white-space: nowrap;
  line-height: 1;
}
.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--navy-700);
  color: var(--white);
  border-color: var(--navy-700);
}
.btn-gold {
  background: var(--gold);
  color: var(--ink);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-dark);
  color: var(--white);
  border-color: var(--gold-dark);
}
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--slate-200);
}
.btn-ghost:hover {
  border-color: var(--navy);
  color: var(--navy);
}
.btn-link {
  background: transparent;
  color: var(--navy);
  padding: 0;
  border: 0;
  font-weight: 600;
}
.btn-link:hover { color: var(--gold-dark); }

.btn-lg { padding: 14px 24px; font-size: 1rem; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse at top left, rgba(176, 138, 77, 0.10), transparent 55%),
    linear-gradient(180deg, var(--parchment) 0%, var(--white) 100%);
  padding: 84px 0 80px;
  border-bottom: 1px solid var(--slate-200);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}
@media (max-width: 900px) {
  .hero__grid { grid-template-columns: 1fr; gap: 40px; }
}
.hero h1 { margin-bottom: 20px; }
.hero .lead { font-size: 1.2rem; margin-bottom: 28px; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 22px; }
.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  font-size: 0.88rem;
  color: var(--slate-500);
}
.hero__trust span { display: inline-flex; align-items: center; gap: 6px; }
.hero__trust svg { width: 14px; height: 14px; color: var(--gold-dark); }

.hero__mock {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.hero__mock-bar {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 16px;
  background: var(--navy-50);
  border-bottom: 1px solid var(--slate-200);
}
.hero__mock-bar i {
  width: 10px; height: 10px; border-radius: 50%;
  background: var(--slate-200); display: inline-block;
}
.hero__mock-bar i:nth-child(1) { background: #E2735A; }
.hero__mock-bar i:nth-child(2) { background: #E6B04A; }
.hero__mock-bar i:nth-child(3) { background: #6FAE5F; }
.hero__mock-body { padding: 20px; }
.mock-row {
  display: grid;
  grid-template-columns: 1fr 0.9fr 0.7fr;
  gap: 12px;
  padding: 12px 10px;
  border-bottom: 1px dashed var(--slate-200);
  font-size: 0.85rem;
}
.mock-row:last-child { border-bottom: 0; }
.mock-row strong { font-weight: 600; color: var(--ink); }
.mock-row .mock-stage {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: 999px;
  background: var(--navy-50);
  color: var(--navy);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.mock-row .mock-stage.offer { background: var(--gold-50); color: var(--gold-dark); }
.mock-row .mock-stage.complete { background: #E3F3E9; color: var(--success); }
.mock-row .mock-stage.fact { background: #FCE8E6; color: var(--danger); }
.mock-row .mock-stage.dip { background: var(--slate-100); color: var(--slate-700); }

/* ---------- Cards ---------- */
.card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: border-color var(--t), box-shadow var(--t), transform var(--t);
}
.card:hover {
  border-color: var(--navy-100);
  box-shadow: var(--shadow-md);
}
.card__icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--navy-50);
  color: var(--navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.card__icon svg { width: 22px; height: 22px; }
.card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.card p { margin: 0; font-size: 0.95rem; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.step__num {
  font-family: var(--font-serif);
  font-size: 2rem;
  color: var(--gold-dark);
  font-weight: 600;
  line-height: 1;
  display: block;
  margin-bottom: 10px;
}

/* ---------- Feature row (alternating) ---------- */
.feature-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  margin-bottom: 72px;
}
.feature-row:last-child { margin-bottom: 0; }
.feature-row.reverse { direction: rtl; }
.feature-row.reverse > * { direction: ltr; }
@media (max-width: 900px) {
  .feature-row { grid-template-columns: 1fr; gap: 28px; direction: ltr; margin-bottom: 56px; }
}
.feature-row__visual {
  background: var(--parchment);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  min-height: 260px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.feature-row__visual svg { width: 100%; height: auto; max-height: 320px; }

.checklist { list-style: none; padding: 0; margin: 14px 0 0; }
.checklist li {
  position: relative;
  padding-left: 28px;
  margin-bottom: 10px;
  color: var(--slate-700);
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0; top: 9px;
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--gold-50);
  box-shadow: inset 0 0 0 2px var(--gold);
}
.checklist li::after {
  content: "";
  position: absolute;
  left: 4px; top: 12px;
  width: 6px; height: 3px;
  border-left: 2px solid var(--gold-dark);
  border-bottom: 2px solid var(--gold-dark);
  transform: rotate(-45deg);
}

/* ---------- Pricing ---------- */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
@media (max-width: 900px) { .pricing-grid { grid-template-columns: 1fr; } }

.plan {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  transition: border-color var(--t), box-shadow var(--t);
}
.plan:hover { border-color: var(--navy-100); box-shadow: var(--shadow-md); }
.plan--featured {
  border-color: var(--navy);
  box-shadow: var(--shadow-lg);
  position: relative;
}
.plan--featured::before {
  content: "Most popular";
  position: absolute;
  top: -13px; left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--ink);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 999px;
}
.plan__name {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--ink);
  margin-bottom: 6px;
}
.plan__for { font-size: 0.9rem; color: var(--slate-500); margin-bottom: 20px; }
.plan__price { display: flex; align-items: baseline; gap: 6px; margin-bottom: 6px; }
.plan__price .amt {
  font-family: var(--font-serif);
  font-size: 2.6rem;
  color: var(--ink);
  font-weight: 600;
  line-height: 1;
}
.plan__price .unit { color: var(--slate-500); font-size: 0.95rem; }
.plan__billing { font-size: 0.85rem; color: var(--slate-500); margin-bottom: 24px; }
.plan ul { list-style: none; padding: 0; margin: 0 0 28px; }
.plan ul li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 10px;
  color: var(--slate-700);
  font-size: 0.95rem;
}
.plan ul li::before {
  content: "";
  position: absolute;
  left: 0; top: 7px;
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--gold-50);
}
.plan ul li::after {
  content: "";
  position: absolute;
  left: 3px; top: 10px;
  width: 5px; height: 3px;
  border-left: 2px solid var(--gold-dark);
  border-bottom: 2px solid var(--gold-dark);
  transform: rotate(-45deg);
}
.plan .btn { margin-top: auto; }

.pricing-footnote {
  margin-top: 32px;
  padding: 20px 24px;
  background: var(--parchment);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  text-align: center;
  color: var(--slate-700);
  font-size: 0.95rem;
}

/* ---------- FAQ ---------- */
.faq { max-width: 760px; margin: 0 auto; }
.faq details {
  border-bottom: 1px solid var(--slate-200);
  padding: 20px 0;
}
.faq details summary {
  cursor: pointer;
  list-style: none;
  font-weight: 600;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1.05rem;
}
.faq details summary::-webkit-details-marker { display: none; }
.faq details summary::after {
  content: "+";
  font-size: 1.4rem;
  color: var(--gold-dark);
  transition: transform var(--t);
}
.faq details[open] summary::after { content: "−"; }
.faq details p { margin: 12px 0 0; color: var(--slate-700); }

/* ---------- Final CTA ---------- */
.cta-block {
  background: var(--navy);
  color: var(--navy-100);
  border-radius: var(--radius-lg);
  padding: 56px 40px;
  text-align: center;
}
.cta-block h2 { color: var(--white); margin-bottom: 14px; }
.cta-block p { color: var(--navy-100); max-width: 600px; margin: 0 auto 24px; }
.cta-block .btn-primary {
  background: var(--gold);
  color: var(--ink);
  border-color: var(--gold);
}
.cta-block .btn-primary:hover {
  background: var(--gold-dark);
  color: var(--white);
  border-color: var(--gold-dark);
}
.cta-block .btn-ghost {
  border-color: rgba(255,255,255,.3);
  color: var(--white);
}
.cta-block .btn-ghost:hover {
  border-color: var(--white);
  color: var(--white);
}

/* ---------- Forms ---------- */
.form {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
}
.form .field { margin-bottom: 18px; }
.form label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
  color: var(--ink);
}
.form input[type=text],
.form input[type=email],
.form input[type=tel],
.form select,
.form textarea {
  width: 100%;
  font-family: var(--font-sans);
  font-size: 1rem;
  padding: 11px 14px;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--ink);
  transition: border-color var(--t), box-shadow var(--t);
}
.form input:focus,
.form select:focus,
.form textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(12, 35, 64, 0.12);
}
.form textarea { min-height: 140px; resize: vertical; }
.form .check {
  display: flex;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--slate-700);
}
.form small { color: var(--slate-500); font-size: 0.85rem; }

/* ---------- Testimonial ---------- */
.quote {
  background: var(--parchment);
  border-left: 4px solid var(--gold);
  padding: 32px 36px;
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
}
.quote p {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--ink);
  margin: 0 0 18px;
}
.quote cite {
  font-style: normal;
  color: var(--slate-500);
  font-size: 0.9rem;
}

/* ---------- Logos / trusted ---------- */
.logos {
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  justify-content: center;
  align-items: center;
  opacity: 0.9;
}
.logos span {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  color: var(--slate-500);
  letter-spacing: 0.04em;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: var(--navy-100);
  padding: 64px 0 28px;
  font-size: 0.92rem;
}
.site-footer a { color: var(--navy-100); }
.site-footer a:hover { color: var(--white); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer-grid h4 {
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid ul li { margin-bottom: 10px; }
.footer-brand__name {
  font-family: var(--font-serif);
  color: var(--white);
  font-size: 1.25rem;
  margin-bottom: 10px;
  font-weight: 600;
}
.footer-brand p { color: var(--slate-400); max-width: 28ch; font-size: 0.9rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  color: var(--slate-400);
  font-size: 0.85rem;
}

/* ---------- Cookie banner ---------- */
.cookie-banner {
  position: fixed;
  left: 20px;
  right: 20px;
  bottom: 20px;
  max-width: 680px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 20px 24px;
  z-index: 80;
  display: none;
}
.cookie-banner.show { display: block; }
.cookie-banner h4 {
  margin: 0 0 6px;
  font-size: 1rem;
  color: var(--ink);
  font-weight: 700;
}
.cookie-banner p { font-size: 0.9rem; margin: 0 0 14px; color: var(--slate-700); }
.cookie-banner__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: flex-end;
}
.cookie-banner .btn { padding: 8px 14px; font-size: 0.88rem; }

/* ---------- Utility ---------- */
.mb-0 { margin-bottom: 0 !important; }
.mt-0 { margin-top: 0 !important; }
.mt-2 { margin-top: 16px; }
.mt-4 { margin-top: 32px; }
.mb-2 { margin-bottom: 16px; }
.mb-4 { margin-bottom: 32px; }
.muted { color: var(--slate-500); }

/* Visually hidden, screenreader accessible */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}