/* === MORTGAGE MAESTRO — style.css === */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Plus+Jakarta+Sans:wght@400;500;600;700&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1B365D;
  --navy-dark: #122442;
  --gold: #C9A962;
  --gold-light: #d4ba7a;
  --white: #FFFFFF;
  --off-white: #F8F9FA;
  --light-gray: #E9ECEF;
  --text-dark: #1a1a2e;
  --text-muted: #5a5f6d;
  --text-light: #8a8f9d;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Plus Jakarta Sans', 'Helvetica Neue', sans-serif;
  --shadow-sm: 0 1px 3px rgba(27,54,93,0.08);
  --shadow-md: 0 4px 16px rgba(27,54,93,0.10);
  --shadow-lg: 0 12px 32px rgba(27,54,93,0.12);
  --radius: 8px;
  --max-width: 1120px;
}

html { scroll-behavior: smooth; scroll-padding-top: 80px; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-dark);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

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

/* === NAV === */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--light-gray);
  padding: 0 24px;
}
.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
}
.nav-logo svg { flex-shrink: 0; }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--navy); }
.nav-mobile-toggle {
  display: none;
  background: none; border: none; cursor: pointer;
  padding: 8px;
}
.nav-mobile-toggle svg { display: block; }

@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute; top: 68px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 16px 24px;
    border-bottom: 1px solid var(--light-gray);
    gap: 16px;
  }
  .nav-links.active { display: flex; }
  .nav-mobile-toggle { display: block; }
}

/* === SECTIONS === */
.section { padding: 80px 24px; }
.section-inner { max-width: var(--max-width); margin: 0 auto; }
.section-label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}
.section-desc {
  font-size: 16px;
  color: var(--text-muted);
  max-width: 600px;
  line-height: 1.7;
}

/* === HERO === */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 100px 24px 80px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(201,169,98,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  position: relative; z-index: 1;
}
.hero-label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 20px;
  max-width: 640px;
}
.hero-desc {
  font-size: 18px;
  line-height: 1.7;
  color: rgba(255,255,255,0.8);
  max-width: 520px;
  margin-bottom: 32px;
}
.btn {
  display: inline-block;
  padding: 14px 32px;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--radius);
  transition: all 0.2s;
  cursor: pointer;
  border: none;
  font-family: var(--font-body);
}
.btn-gold {
  background: var(--gold);
  color: var(--navy);
}
.btn-gold:hover { background: var(--gold-light); color: var(--navy); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-dark); color: var(--white); }

/* === ABOUT === */
.about { background: var(--off-white); }
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  margin-top: 32px;
}
.about-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 28px;
}
.stat-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: var(--shadow-sm);
}
.stat-value {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
}
.stat-label {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 4px;
}
.about-visual {
  background: linear-gradient(135deg, var(--navy) 0%, #2a4a7a 100%);
  border-radius: 12px;
  padding: 48px 32px;
  color: var(--white);
  text-align: center;
}
.about-visual-icon { margin: 0 auto 16px; opacity: 0.9; }
.about-visual h3 {
  font-family: var(--font-display);
  font-size: 22px;
  margin-bottom: 12px;
}
.about-visual p {
  font-size: 15px;
  opacity: 0.8;
  line-height: 1.6;
}
@media (max-width: 768px) {
  .about-grid { grid-template-columns: 1fr; }
}

/* === SERVICES === */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 24px;
  margin-top: 40px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: 12px;
  padding: 32px 24px;
  transition: box-shadow 0.2s, transform 0.2s;
}
.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.service-icon {
  width: 48px; height: 48px;
  background: rgba(27,54,93,0.06);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.service-icon svg { color: var(--navy); }
.service-card h3 {
  font-family: var(--font-display);
  font-size: 19px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}
.service-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* === CONTACT === */
.contact { background: var(--off-white); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin-top: 40px;
}
.contact-info h3 {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 16px;
}
.contact-info p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 24px;
}
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 16px;
}
.contact-detail svg { flex-shrink: 0; margin-top: 2px; color: var(--navy); }
.contact-detail span { font-size: 15px; color: var(--text-dark); }

.form-card {
  background: var(--white);
  border-radius: 12px;
  padding: 32px;
  box-shadow: var(--shadow-md);
}
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: var(--font-body);
  transition: border-color 0.2s;
  background: var(--white);
}
.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-group .optional {
  font-size: 12px;
  color: var(--text-light);
  font-weight: 400;
}

/* SMS Consent */
.consent-group {
  margin: 20px 0;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.consent-group input[type="checkbox"] {
  width: 18px; height: 18px;
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--navy);
}
.consent-text {
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--text-muted);
}
.consent-text a { color: var(--navy); text-decoration: underline; }
.consent-text a:hover { color: var(--gold); }

.form-success {
  display: none;
  background: #e8f5e9;
  border: 1px solid #a5d6a7;
  border-radius: var(--radius);
  padding: 16px;
  text-align: center;
  color: #2e7d32;
  font-size: 15px;
}
.form-error {
  color: #c62828;
  font-size: 13px;
  margin-top: 4px;
  display: none;
}

@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; }
}

/* === FOOTER === */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 48px 24px 32px;
}
.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}
.footer-brand {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.footer-desc {
  font-size: 14px;
  max-width: 300px;
  line-height: 1.6;
}
.footer-links { display: flex; gap: 24px; list-style: none; flex-wrap: wrap; }
.footer-links a { color: rgba(255,255,255,0.7); font-size: 14px; transition: color 0.2s; }
.footer-links a:hover { color: var(--gold); }
.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 20px;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  flex-wrap: wrap;
  gap: 12px;
}

/* === LEGAL PAGES === */
.legal-page { padding: 100px 24px 80px; }
.legal-page .section-inner { max-width: 760px; }
.legal-page h1 {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 40px);
  color: var(--navy);
  margin-bottom: 8px;
}
.legal-page .effective-date {
  font-size: 14px;
  color: var(--text-light);
  margin-bottom: 40px;
}
.legal-page h2 {
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--navy);
  margin-top: 36px;
  margin-bottom: 12px;
}
.legal-page h3 {
  font-size: 17px;
  font-weight: 600;
  color: var(--text-dark);
  margin-top: 24px;
  margin-bottom: 8px;
}
.legal-page p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 14px;
  max-width: 72ch;
}
.legal-page ul {
  margin: 8px 0 14px 20px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.75;
}
.legal-page ul li { margin-bottom: 4px; }
.legal-page a { color: var(--navy); text-decoration: underline; }