/* ===== Mortgage Momentum — shared stylesheet ===== */
:root{
  --green:#0F302B;
  --green-deep:#0A211D;
  --cream:#F3EEE2;
  --cream-soft:#FAF7F0;
  --teal:#83B7BF;
  --teal-deep:#2A87A0;
  --teal-deeper:#1F6E84;
  --ink:#16302B;
  --muted:#5C6F6A;
  --line:rgba(15,48,43,.12);
  --radius:18px;
  --shadow:0 18px 50px -20px rgba(15,48,43,.35);
  --maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--cream-soft);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;line-height:1.12;letter-spacing:-.02em;font-weight:700}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;gap:.5em;font-family:'Poppins',sans-serif;font-weight:600;font-size:.98rem;padding:.85em 1.5em;border-radius:999px;cursor:pointer;border:2px solid transparent;transition:transform .15s ease,box-shadow .2s ease,background .2s ease,color .2s ease}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--teal-deep);color:#fff;box-shadow:0 10px 24px -10px rgba(42,135,160,.7)}
.btn-primary:hover{background:var(--teal-deeper)}
.btn-ghost{background:transparent;border-color:rgba(243,238,226,.4);color:var(--cream)}
.btn-ghost:hover{border-color:var(--cream);background:rgba(243,238,226,.08)}
.btn-dark{background:var(--green);color:var(--cream)}
.btn-dark:hover{background:var(--green-deep)}

/* ---------- Top utility bar ---------- */
.topbar{background:var(--green-deep);color:var(--cream);font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:40px;gap:16px}
.topbar a{color:var(--teal);font-weight:600}
.topbar .muted{opacity:.7}

/* ---------- Header ---------- */
header{position:sticky;top:0;z-index:50;background:#0a2626;color:var(--cream);border-bottom:1px solid rgba(243,238,226,.1)}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px}
.logo-img{height:50px;width:auto;display:block}
nav.main{display:flex;align-items:center;gap:28px}
nav.main a{font-size:.95rem;font-weight:500;color:rgba(243,238,226,.85);transition:color .15s}
nav.main a:hover{color:var(--cream)}
.nav-cta{display:flex;align-items:center;gap:14px}
.menu-btn{display:none;background:none;border:0;color:var(--cream);cursor:pointer}

/* nav dropdown */
.has-drop{position:relative;display:flex;align-items:center}
.has-drop>a{cursor:pointer;display:inline-flex;align-items:center}
.has-drop>a .caret{font-size:.7em;margin-left:4px}
.drop{position:absolute;top:calc(100% + 14px);left:-12px;background:#0a2626;border:1px solid rgba(243,238,226,.14);border-radius:14px;padding:8px;min-width:240px;display:none;flex-direction:column;gap:2px;box-shadow:0 24px 50px -18px rgba(0,0,0,.6)}
.has-drop:hover .drop,.has-drop:focus-within .drop{display:flex}
.drop a{padding:11px 14px;border-radius:9px;font-size:.92rem;color:rgba(243,238,226,.85)}
.drop a:hover{background:rgba(243,238,226,.08);color:var(--cream)}

/* ---------- Homepage hero ---------- */
.hero{position:relative;background:var(--green);color:var(--cream);overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(1100px 500px at 78% -10%,rgba(131,183,191,.22),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:84px 24px 96px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--teal);margin-bottom:22px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--teal)}
.hero h1{font-size:clamp(2.4rem,5vw,3.9rem);margin-bottom:20px}
.hero h1 .accent{color:var(--teal)}
.hero p.lead{font-size:1.18rem;color:rgba(243,238,226,.82);max-width:34ch;margin-bottom:32px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:40px}
.hero-stats{display:flex;gap:36px;flex-wrap:wrap}
.hero-stats .num{font-family:'Poppins',sans-serif;font-weight:700;font-size:1.9rem;color:var(--cream)}
.hero-stats .lbl{font-size:.82rem;color:rgba(243,238,226,.6)}

/* hero quote card */
.hero-card{background:linear-gradient(165deg,rgba(131,183,191,.16),rgba(243,238,226,.04));border:1px solid rgba(243,238,226,.16);border-radius:24px;padding:30px;backdrop-filter:blur(4px)}
.hero-card h3{font-size:1.15rem;margin-bottom:6px}
.hero-card p.sub{font-size:.9rem;color:rgba(243,238,226,.7);margin-bottom:20px}
.qf-row{display:flex;flex-direction:column;gap:12px}
.qf-row label{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--teal);font-weight:600;margin-bottom:-4px}
.qf-row select,.qf-row input{width:100%;padding:.8em 1em;border-radius:12px;border:1px solid rgba(243,238,226,.22);background:rgba(10,33,29,.5);color:var(--cream);font-family:inherit;font-size:.95rem}
.qf-row select:focus,.qf-row input:focus{outline:2px solid var(--teal)}
.hero-card .btn{width:100%;justify-content:center;margin-top:6px}
.hero-card .fineprint{font-size:.72rem;color:rgba(243,238,226,.5);text-align:center;margin-top:12px}

/* ---------- Trust strip ---------- */
.trust{background:var(--green-deep);color:var(--cream);padding:26px 0;border-top:1px solid rgba(243,238,226,.06)}
.trust .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.trust .label{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(243,238,226,.5);font-weight:600}
.trust .badges{display:flex;gap:28px;align-items:center;flex-wrap:wrap}
.badge{display:flex;align-items:center;gap:8px;font-family:'Poppins',sans-serif;font-weight:600;font-size:.92rem;color:var(--cream)}
.badge .dot{width:8px;height:8px;border-radius:50%;background:var(--teal)}

/* ---------- Generic section ---------- */
section.block{padding:92px 0}
.section-head{max-width:640px;margin-bottom:52px}
.section-head .kicker{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--teal-deep);margin-bottom:14px;display:block}
.section-head h2{font-size:clamp(1.9rem,3.6vw,2.7rem);margin-bottom:16px}
.section-head p{font-size:1.08rem;color:var(--muted)}

/* services grid */
.services{background:var(--cream)}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.scard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;transition:transform .2s ease,box-shadow .2s ease;display:flex;flex-direction:column}
.scard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.scard .ic{width:50px;height:50px;border-radius:14px;background:rgba(42,135,160,.1);display:flex;align-items:center;justify-content:center;margin-bottom:20px;color:var(--teal-deep)}
.scard h3{font-size:1.18rem;margin-bottom:10px}
.scard p{font-size:.95rem;color:var(--muted);margin-bottom:18px;flex:1}
.scard a.more{font-family:'Poppins',sans-serif;font-weight:600;font-size:.9rem;color:var(--teal-deep)}
.scard a.more::after{content:" →";transition:margin .15s}
.scard:hover a.more::after{margin-left:4px}

/* why split */
.why{background:var(--green);color:var(--cream)}
.why .split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.why h2{font-size:clamp(1.9rem,3.6vw,2.7rem);margin-bottom:18px}
.why p.body{color:rgba(243,238,226,.78);font-size:1.05rem;margin-bottom:14px}
.why .kicker{color:var(--teal)}
.checks{display:flex;flex-direction:column;gap:16px;margin-top:8px}
.check{display:flex;gap:14px;align-items:flex-start;background:rgba(243,238,226,.05);border:1px solid rgba(243,238,226,.12);border-radius:14px;padding:18px 20px}
.check .tick{flex:none;width:26px;height:26px;border-radius:50%;background:var(--teal-deep);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700}
.check h4{font-size:1rem;margin-bottom:3px}
.check p{font-size:.9rem;color:rgba(243,238,226,.7)}

/* process */
.process{background:var(--cream-soft)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;position:relative}
.step .n{font-family:'Poppins',sans-serif;font-weight:700;font-size:2.6rem;color:var(--teal);line-height:1;margin-bottom:16px}
.step h3{font-size:1.2rem;margin-bottom:8px}
.step p{font-size:.95rem;color:var(--muted)}

/* testimonials */
.tests{background:var(--green-deep);color:var(--cream)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tcard{background:rgba(243,238,226,.05);border:1px solid rgba(243,238,226,.12);border-radius:var(--radius);padding:30px}
.stars{color:var(--teal);font-size:1rem;letter-spacing:2px;margin-bottom:16px}
.tcard p{font-size:.96rem;color:rgba(243,238,226,.86);margin-bottom:18px}
.tcard .who{font-family:'Poppins',sans-serif;font-weight:600;font-size:.92rem;color:var(--teal)}

/* tools / app cta */
.tools{background:var(--cream)}
.tools .split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.tools h2{font-size:clamp(1.8rem,3.4vw,2.5rem);margin-bottom:16px}
.tools p{color:var(--muted);font-size:1.05rem;margin-bottom:24px}
.tool-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;margin-bottom:28px}
.tool-list li{list-style:none;font-size:.93rem;display:flex;gap:8px;align-items:center}
.tool-list li::before{content:"✓";color:var(--teal-deep);font-weight:700}
.tool-visual{background:var(--green);border-radius:24px;padding:44px;text-align:center;color:var(--cream)}
.tool-visual .big{font-family:'Poppins',sans-serif;font-weight:700;font-size:3rem;color:var(--teal)}

/* final cta */
.final{background:var(--green);color:var(--cream);text-align:center}
.final h2{font-size:clamp(2rem,4vw,3rem);margin-bottom:16px}
.final p{color:rgba(243,238,226,.8);font-size:1.1rem;max-width:48ch;margin:0 auto 32px}
.final .btn{margin:0 8px}

/* footer */
footer{background:var(--green-deep);color:rgba(243,238,226,.75);padding:64px 0 28px;font-size:.92rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:44px}
footer h4{font-family:'Poppins',sans-serif;color:var(--cream);font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:18px}
footer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
footer a:hover{color:var(--teal)}
.fbrand .name{font-family:'Poppins',sans-serif;font-weight:700;color:var(--cream);font-size:1.2rem;margin-bottom:10px}
.fbrand p{max-width:32ch;font-size:.9rem}
.compliance{border-top:1px solid rgba(243,238,226,.1);padding-top:22px;font-size:.78rem;color:rgba(243,238,226,.5);display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.compliance .note{max-width:70ch}

/* ---------- Inner page hero ---------- */
.page-hero{background:var(--green);color:var(--cream);position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(900px 420px at 85% -20%,rgba(131,183,191,.20),transparent 60%);pointer-events:none}
.page-hero .wrap{position:relative;padding:72px 24px 76px;max-width:900px}
.crumb{font-size:.82rem;color:rgba(243,238,226,.6);margin-bottom:18px}
.crumb a{color:var(--teal)}
.page-hero h1{font-size:clamp(2.1rem,4.4vw,3.2rem);margin-bottom:18px}
.page-hero p.sub{font-size:1.15rem;color:rgba(243,238,226,.82);max-width:62ch}
.page-hero .hero-cta{margin-top:30px}

/* ---------- Content split + sticky CTA ---------- */
.content{padding:84px 0}
.content .split{display:grid;grid-template-columns:1.6fr .9fr;gap:56px;align-items:start}
.prose h2{font-size:1.65rem;margin:38px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.18rem;margin:26px 0 10px}
.prose p{color:var(--ink);font-size:1.05rem;margin-bottom:16px}
.prose p.muted{color:var(--muted)}
.checklist{list-style:none;display:flex;flex-direction:column;gap:12px;margin:20px 0 8px}
.checklist li{display:flex;gap:12px;align-items:flex-start;font-size:1.02rem}
.checklist li::before{content:"✓";color:var(--teal-deep);font-weight:700;flex:none;margin-top:2px}

.aside-cta{position:sticky;top:96px;background:var(--green);color:var(--cream);border-radius:20px;padding:30px;box-shadow:var(--shadow)}
.aside-cta h3{font-size:1.25rem;margin-bottom:10px}
.aside-cta p{font-size:.95rem;color:rgba(243,238,226,.8);margin-bottom:20px}
.aside-cta .btn{width:100%;justify-content:center;margin-bottom:10px}
.aside-cta .phone{text-align:center;font-size:.9rem;color:rgba(243,238,226,.75)}
.aside-cta .phone a{color:var(--teal);font-weight:600}

/* ---------- FAQ ---------- */
.faqs{background:var(--cream)}
.faq{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:20px 24px;font-family:'Poppins',sans-serif;font-weight:600;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--teal-deep);font-size:1.5rem;font-weight:400;line-height:1;transition:transform .2s}
.faq[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 24px 22px;color:var(--muted);font-size:1rem}
.faqs .section-head{margin:0 auto 40px;text-align:center}

/* ---------- About ---------- */
.about-split{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}
.about-photo{border-radius:20px;overflow:hidden;background:var(--green);aspect-ratio:3/4;display:flex;align-items:center;justify-content:center;color:rgba(243,238,226,.5);font-size:.9rem;text-align:center;padding:20px;border:1px solid var(--line)}
.about-photo img{width:100%;height:100%;object-fit:cover;display:block}
.awards{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.award{background:rgba(42,135,160,.1);border:1px solid var(--line);border-radius:12px;padding:12px 16px;font-size:.85rem;font-weight:600;font-family:'Poppins',sans-serif;color:var(--teal-deep)}

/* ---------- Blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.bcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;color:var(--ink);transition:transform .2s ease,box-shadow .2s ease}
a.bcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.bcard .top{height:7px;background:linear-gradient(90deg,var(--teal-deep),var(--teal))}
.bcard .in{padding:26px;display:flex;flex-direction:column;flex:1}
.bcard .cat{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--teal-deep);margin-bottom:12px}
.bcard h3{font-size:1.18rem;margin-bottom:10px;line-height:1.25}
.bcard p{color:var(--muted);font-size:.95rem;margin-bottom:18px;flex:1}
.bcard .meta{font-size:.8rem;color:var(--muted)}
.article{max-width:760px;margin:0 auto;padding:0 24px}
.byline{display:flex;align-items:center;gap:14px;margin-bottom:30px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.byline img{width:48px;height:48px;border-radius:50%;object-fit:cover;flex:none}
.byline .who{font-family:'Poppins',sans-serif;font-weight:600;font-size:.98rem}
.byline .bm{font-size:.85rem;color:var(--muted)}
.takeaway{background:rgba(42,135,160,.08);border-left:4px solid var(--teal-deep);border-radius:10px;padding:18px 22px;margin-bottom:28px;font-size:1.06rem;line-height:1.55}
.takeaway b{font-family:'Poppins',sans-serif}
.article .prose h2{font-size:1.5rem}
.article-cta{background:var(--green);color:var(--cream);border-radius:var(--radius);padding:30px;margin-top:38px;text-align:center}
.article-cta h3{font-size:1.3rem;margin-bottom:8px}
.article-cta p{color:rgba(243,238,226,.82);font-size:.98rem;margin-bottom:18px}
@media(max-width:880px){.blog-grid{grid-template-columns:1fr}}

/* reveal */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:40px;padding:60px 24px 72px}
  .why .split,.tools .split{grid-template-columns:1fr;gap:36px}
  .content .split{grid-template-columns:1fr;gap:40px}
  .aside-cta{position:static}
  .about-split{grid-template-columns:1fr;gap:32px}
  .about-photo{max-width:360px}
  .grid-4{grid-template-columns:1fr 1fr}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  nav.main{display:none}
  .menu-btn{display:block}
  nav.main.open{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:flex-start;background:var(--green-deep);padding:20px 24px;gap:18px;border-bottom:1px solid rgba(243,238,226,.1)}
  .has-drop{flex-direction:column;align-items:flex-start}
  .drop{position:static;display:flex;background:transparent;border:0;box-shadow:none;padding:8px 0 0 12px;min-width:0;gap:10px}
  .has-drop>a .caret{display:none}
  .grid-4,.grid-3,.steps,.tool-list{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
  .topbar .muted{display:none}
}