/* First Look Mortgage — shared design system */
:root {
  --navy: #0e1c3f;
  --navy-2: #14265a;
  --blue: #4f6fe8;
  --blue-light: #6f8bf5;
  --teal: #3ec7c1;
  --gold: #d9c24a;
  --ink: #14213d;
  --muted: #5b6478;
  --bg: #f4f6f8;
  --card-bg: #ffffff;
  --border: #e3e7ee;
  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-pill: 999px;
  --shadow: 0 10px 30px rgba(14, 28, 63, 0.08);
  --shadow-sm: 0 4px 14px rgba(14, 28, 63, 0.06);
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: "Poppins", -apple-system, "Segoe UI", Roboto, sans-serif; color: var(--navy); margin: 0 0 .5em; line-height: 1.15; }
p { margin: 0 0 1em; color: var(--muted); }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.grad-text { background: linear-gradient(90deg, var(--teal), var(--blue)); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 26px; border-radius: var(--radius-pill); font-weight: 600; font-size: 15px;
  border: 1px solid transparent; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-blue { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(79,111,232,.35); }
.btn-blue:hover { background: #435fd6; }
.btn-white { background: #fff; color: var(--navy); }
.btn-white:hover { background: #f0f2f6; }
.btn-outline { background: transparent; border-color: currentColor; color: var(--navy); }
.btn-outline-light { background: transparent; border-color: rgba(255,255,255,.6); color: #fff; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .5; cursor: not-allowed; transform: none; }

/* Header */
.site-header { position: relative; z-index: 30; }
.announce {
  background: linear-gradient(90deg, var(--blue), var(--teal));
  color: #fff; text-align: center; font-size: 14px; padding: 9px 16px;
}
.announce a { text-decoration: underline; font-weight: 600; }
.nav-wrap {
  background: var(--navy); display: flex; align-items: center; justify-content: space-between;
  padding: 14px 32px; gap: 20px;
}
.brand { display: flex; align-items: center; gap: 10px; color: #fff; }
.brand-word { font-weight: 600; font-size: 14px; line-height: 1.2; }
/* The logo has dark lettering on white, so it sits on a white badge against the navy header and footer. */
.brand-logo { display: block; height: 62px; width: auto; background: #fff; border-radius: 10px; padding: 5px 9px; box-sizing: content-box; }
.site-footer .brand-logo { height: 72px; }
@media (max-width: 760px) { .site-header .brand-logo { height: 48px; } }
.main-nav { display: flex; gap: 26px; flex: 1; justify-content: center; }
.main-nav a { color: #dbe1f0; font-size: 15px; font-weight: 500; padding: 6px 2px; border-bottom: 2px solid transparent; }
.main-nav a:hover, .main-nav a.active { color: #fff; border-color: var(--teal); }
.nav-actions .btn { padding: 11px 22px; font-size: 14px; }
.nav-toggle { display: none; flex-direction: column; gap: 4px; background: none; border: 0; cursor: pointer; padding: 6px; }
.nav-toggle span { width: 22px; height: 2px; background: #fff; display: block; }

/* Hero */
.hero {
  position: relative;
  background-color: var(--navy);
  background-image: linear-gradient(rgba(6,12,30,.82), rgba(6,12,30,.82)), var(--hero-img, none);
  background-size: cover; background-position: center;
  color: #fff; padding: 100px 0 80px;
}
.hero .wrap { position: relative; z-index: 2; }
.hero h1 { color: #fff; font-size: clamp(32px, 5vw, 52px); max-width: 720px; }
.hero p.lead { color: #cfd6ea; font-size: 18px; max-width: 560px; }
.pill-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.pill-row .btn-outline-light { padding: 11px 22px; font-size: 14px; }

/* Sections */
section { padding: 72px 0; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 44px; }
.section-head h2 { font-size: clamp(26px, 3.4vw, 36px); }
.section-tight { padding: 48px 0; }
.bg-light { background: #eef2f4; }
.bg-navy { background: var(--navy); color: #fff; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy p { color: #b9c2dd; }

/* Cards grid */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.program-card {
  background: var(--card-bg); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 26px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 10px;
  transition: box-shadow .15s ease, transform .15s ease;
}
.program-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.program-card .icon { width: 46px; height: 46px; border-radius: 12px; background: linear-gradient(135deg, var(--blue), var(--teal)); display: flex; align-items: center; justify-content: center; color: #fff; font-size: 20px; }
.program-card h3 { font-size: 19px; margin-bottom: 4px; }
.program-card .arrow { margin-top: auto; align-self: flex-end; color: var(--blue); font-size: 20px; }

/* Stat bar */
.stat-bar { display: flex; justify-content: center; gap: 60px; flex-wrap: wrap; padding: 40px 0; }
.stat-bar .stat { text-align: center; }
.stat-bar .num { font-size: 34px; font-weight: 700; color: var(--navy); }
.stat-bar .label { color: var(--muted); font-size: 14px; }

/* Process list */
.process-list { display: flex; flex-direction: column; gap: 0; max-width: 640px; }
.process-item { padding: 18px 0; border-bottom: 1px solid var(--border); }
.process-item h4 { margin-bottom: 4px; font-size: 18px; }
.process-item p { margin: 0; }

/* Numbered steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; text-align: center; }
.steps .num { font-size: 46px; font-weight: 700; color: var(--border); margin-bottom: 6px; }
.steps h4 { font-size: 18px; }

/* Excellence banner */
.excellence { background: #e3ece9; text-align: center; padding: 70px 0; position: relative; }
.excellence h2 { font-size: clamp(30px, 4vw, 44px); }
.excellence .blurb { max-width: 620px; margin: 20px auto 0; }

/* Diff cards (navy tiles) */
.diff-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.diff-tile { background: var(--navy-2); color: #fff; border-radius: var(--radius-md); padding: 26px; min-height: 120px; display: flex; align-items: flex-end; font-weight: 600; font-size: 17px; }

/* FAQ accordion */
.faq-item { border: 1px solid var(--border); border-radius: var(--radius-md); background: #fff; margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: none; border: 0; padding: 16px 20px; font-size: 15px; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; padding: 0 20px; color: var(--muted); }
.faq-item.open .faq-a { max-height: 300px; padding-bottom: 16px; }
.faq-item.open .faq-q .chev { transform: rotate(180deg); }
.chev { transition: transform .2s ease; }
.faq-topic h4 { font-size: 13px; letter-spacing: .06em; text-transform: uppercase; color: var(--blue); margin: 28px 0 10px; }

/* CTA banner with wave */
.cta-banner { position: relative; background: var(--navy); color: #fff; padding: 90px 0 70px; text-align: center; overflow: hidden; }
.cta-banner h2 { color: #fff; font-size: clamp(28px, 4vw, 42px); }
.wave-top { position: absolute; top: -1px; left: 0; width: 100%; line-height: 0; }
.wave-top svg { width: 100%; height: 60px; display: block; }

/* Footer */
.site-footer { background: var(--navy); color: #cfd6ea; padding-top: 50px; }
.footer-inner { max-width: var(--max); margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 26px; }
.footer-brand .footer-tag { margin-top: 10px; font-size: 13px; }
.footer-col h4 { color: #fff; font-size: 13px; letter-spacing: .05em; text-transform: uppercase; margin-bottom: 12px; }
.footer-col a { display: block; color: #b9c2dd; font-size: 14px; margin-bottom: 8px; }
.footer-col a:hover { color: #fff; }
.footer-contact .btn { margin-top: 8px; }
.footer-legal { margin-top: 40px; border-top: 1px solid rgba(255,255,255,.12); padding: 20px 0; }
.footer-legal .footer-inner { grid-template-columns: 1fr auto; align-items: center; }
.footer-legal p { margin: 0; font-size: 12.5px; color: #8a94b3; }

/* Forms */
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 34px; box-shadow: var(--shadow); }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; color: var(--navy); }
.field .req { color: var(--gold); }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--border); border-radius: 10px; font-size: 15px; font-family: inherit; color: var(--ink);
}
.field textarea { resize: vertical; min-height: 100px; }
.option-list { display: flex; flex-direction: column; gap: 10px; }
.option-row {
  display: flex; align-items: center; gap: 12px; border: 1px solid var(--border); border-radius: 10px; padding: 14px 16px;
  cursor: pointer; font-size: 15px;
}
.option-row:hover { border-color: var(--blue-light); }
.option-row input { accent-color: var(--blue); }
.option-row.selected { border-color: var(--blue); background: #f1f4ff; }
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-actions { display: flex; justify-content: space-between; align-items: center; margin-top: 20px; gap: 12px; flex-wrap: wrap; }
.progress-track { display: flex; gap: 6px; margin-bottom: 26px; }
.progress-track span { flex: 1; height: 5px; border-radius: 3px; background: var(--border); }
.progress-track span.done { background: var(--blue); }
.step { display: none; }
.step.active { display: block; }

/* Two column layout used in prequalify + generic pages */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.split img { border-radius: var(--radius-lg); box-shadow: var(--shadow); }

/* Reviews */
.review-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; box-shadow: var(--shadow-sm); }
.review-stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 10px; }
.review-name { font-weight: 700; margin-top: 10px; color: var(--navy); }

/* Generic content page hero (smaller) */
.page-hero { background: var(--navy); color: #fff; padding: 60px 0; text-align: center; }
.page-hero h1 { color: #fff; }
.page-hero p { color: #c4cbe4; max-width: 640px; margin: 0 auto; }

.badge-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 20px; }
.badge { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-pill); padding: 8px 16px; font-size: 13px; font-weight: 600; color: var(--navy); }

table.rate-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-sm); }
table.rate-table th, table.rate-table td { text-align: left; padding: 12px 16px; border-bottom: 1px solid var(--border); font-size: 14px; }
table.rate-table th { background: var(--navy); color: #fff; }

.state-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 10px; }
.state-chip { background: #fff; border: 1px solid var(--border); border-radius: 10px; padding: 10px; text-align: center; font-size: 13px; font-weight: 600; color: var(--navy); }
.state-chip.inactive { opacity: .35; }

.team-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 22px; text-align: center; box-shadow: var(--shadow-sm); }
.team-avatar { width: 84px; height: 84px; border-radius: 50%; margin: 0 auto 14px; background: linear-gradient(135deg, var(--blue), var(--teal)); display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: 26px; }

.note-callout { background: #fff7dd; border: 1px solid #ecdd9f; color: #6b5c12; border-radius: var(--radius-md); padding: 14px 18px; font-size: 13.5px; }

@media (max-width: 980px) {
  .grid-4, .grid-3, .grid-2, .diff-grid, .steps { grid-template-columns: repeat(2, 1fr); }
  .split, .form-grid-2 { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: repeat(2, 1fr); }
  .state-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 720px) {
  .main-nav { position: absolute; top: 100%; left: 0; right: 0; background: var(--navy); flex-direction: column; padding: 10px 24px 20px; display: none; gap: 4px; }
  .main-nav.open { display: flex; }
  .nav-actions { display: none; }
  .nav-toggle { display: flex; }
  .grid-4, .grid-3, .steps { grid-template-columns: 1fr; }
  .stat-bar { gap: 30px; }
  .footer-inner { grid-template-columns: 1fr; }
  .footer-legal .footer-inner { grid-template-columns: 1fr; text-align: center; gap: 8px; }
  section { padding: 50px 0; }
  .state-grid { grid-template-columns: repeat(2, 1fr); }
}