/* =========================================================
   Nathan Carpenter — Mortgage Loan Officer
   Token system: navy + brass on warm parchment
========================================================= */

:root {
  --navy-900: #0e2238;
  --navy-800: #16324f;
  --navy-700: #1e4266;
  --brass-500: #b8862f;
  --brass-400: #cf9f45;
  --parchment: #f6f2ea;
  --parchment-dim: #ece5d6;
  --ink: #1b2430;
  --ink-soft: #4a5566;
  --line: #d8cfba;
  --white: #ffffff;

  --font-display: "Source Serif 4", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;

  --radius: 4px;
  --wrap: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--parchment);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

.wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--navy-900);
  line-height: 1.2;
  margin: 0 0 0.5em;
}

h2 {
  font-size: clamp(1.5rem, 1.1rem + 1.4vw, 2.1rem);
  margin-top: 2.4em;
  padding-top: 0.2em;
  border-top: 1px solid var(--line);
}

h3 {
  font-size: clamp(1.1rem, 1rem + 0.4vw, 1.3rem);
  color: var(--navy-800);
  margin-top: 1.6em;
}

p { margin: 0 0 1.1em; color: var(--ink-soft); }

a { color: var(--navy-700); }

a:focus-visible,
button:focus-visible,
summary:focus-visible {
  outline: 3px solid var(--brass-500);
  outline-offset: 2px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.85em 1.6em;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  border: 1px solid transparent;
  transition: transform 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }

.btn-primary {
  background: var(--brass-500);
  color: var(--navy-900);
}
.btn-primary:hover { background: var(--brass-400); }

.btn-outline {
  border-color: var(--navy-800);
  color: var(--navy-800);
}
.btn-outline:hover { background: var(--navy-800); color: var(--white); }

.btn-ghost {
  color: var(--parchment);
  border-color: rgba(246,242,234,0.4);
  padding: 0.6em 1.2em;
}
.btn-ghost:hover { background: rgba(246,242,234,0.12); }

/* ---------- Header ---------- */
.site-header {
  background: var(--navy-900);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.brand-mark {
  width: 34px;
  height: 34px;
  flex-shrink: 0;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--brass-400), var(--brass-500));
  position: relative;
}
.brand-mark::after {
  content: "";
  position: absolute;
  inset: 9px;
  border: 2px solid var(--navy-900);
  border-radius: 2px;
  transform: rotate(45deg);
}
.brand-text {
  display: flex;
  flex-direction: column;
  color: var(--parchment);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  line-height: 1.2;
}
.brand-sub {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--brass-400);
}
.site-nav {
  display: flex;
  gap: 26px;
}
.site-nav a {
  color: var(--parchment);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 500;
  opacity: 0.85;
}
.site-nav a:hover { opacity: 1; color: var(--brass-400); }

.header-cta { white-space: nowrap; }

/* ---------- Hero ---------- */
.hero {
  background: var(--navy-900);
  color: var(--parchment);
  padding: 64px 0 80px;
  border-bottom: 6px solid var(--brass-500);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 56px;
  align-items: center;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--brass-400);
  margin: 0 0 0.9em;
}
.hero h1 {
  color: var(--white);
  font-size: clamp(1.9rem, 1.4rem + 2.2vw, 2.85rem);
  margin-bottom: 0.55em;
}
.hero-lead {
  color: #d7d9e0;
  font-size: 1.05rem;
  max-width: 52ch;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 1.6em;
}

/* Signature element: equity ladder */
.hero-visual { text-align: center; }
.equity-ladder {
  display: flex;
  align-items: flex-end;
  justify-content: center;
  gap: 10px;
  height: 220px;
  padding: 0 6px;
}
.step {
  width: 18%;
  height: var(--h);
  background: linear-gradient(180deg, var(--brass-400), var(--brass-500));
  border-radius: 3px 3px 0 0;
  position: relative;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  animation: rise 900ms ease-out both;
  animation-delay: calc(var(--i, 0) * 90ms);
}
.step:nth-child(1) { --i: 1; }
.step:nth-child(2) { --i: 2; }
.step:nth-child(3) { --i: 3; }
.step:nth-child(4) { --i: 4; }
.step:nth-child(5) { --i: 5; }
.step span {
  position: absolute;
  top: -22px;
  font-size: 0.72rem;
  color: #cfd3dc;
  font-weight: 600;
}
.visual-caption {
  margin-top: 18px;
  font-size: 0.8rem;
  color: #9aa1b0;
}

@keyframes rise {
  from { transform: scaleY(0); opacity: 0; }
  to { transform: scaleY(1); opacity: 1; }
}
.step { transform-origin: bottom; }

@media (prefers-reduced-motion: reduce) {
  .step { animation: none; }
}

/* ---------- Article content ---------- */
.content {
  padding: 64px 24px 20px;
  max-width: 780px;
}
.content h2:first-of-type { margin-top: 0; border-top: none; }

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 1.2em 0 2em;
}
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 4px 18px;
}
.faq-item summary {
  cursor: pointer;
  padding: 14px 0;
  font-weight: 600;
  color: var(--navy-800);
  font-family: var(--font-display);
  list-style: none;
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 12px;
  color: var(--brass-500);
  font-size: 1.2rem;
  font-weight: 700;
}
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { padding-bottom: 14px; margin: 0; }

/* ---------- Contact ---------- */
.contact {
  background: var(--parchment-dim);
  padding: 72px 0;
  margin-top: 40px;
  border-top: 1px solid var(--line);
}
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.contact h2 { border-top: none; margin-top: 0; }
.contact-card {
  background: var(--navy-900);
  color: var(--parchment);
  border-radius: var(--radius);
  padding: 34px;
}
.contact-list {
  list-style: none;
  margin: 0 0 26px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-list .label {
  display: block;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--brass-400);
  margin-bottom: 3px;
}
.contact-list a,
.contact-list span:not(.label) {
  color: var(--parchment);
  text-decoration: none;
  font-size: 1.02rem;
}
.contact-list a:hover { color: var(--brass-400); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: #9aa1b0;
  padding: 28px 0 90px;
  font-size: 0.85rem;
}
.footer-inner { display: flex; flex-direction: column; gap: 4px; }

/* ---------- Mobile sticky call bar ---------- */
.mobile-call-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 60;
  background: var(--brass-500);
  color: var(--navy-900);
  text-align: center;
  font-weight: 700;
  text-decoration: none;
  padding: 14px 0;
}

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .site-nav { display: none; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; }
  .equity-ladder { height: 160px; }
  .contact-inner { grid-template-columns: 1fr; }
  .mobile-call-bar { display: block; }
  .site-footer { padding-bottom: 90px; }
}

@media (max-width: 480px) {
  .header-cta { display: none; }
  .hero { padding: 48px 0 60px; }
  .content { padding: 48px 18px 10px; }
}