:root {
  --brand-red: #278399;
  --brand-yellow: #66b3cc;
  --brand-green: #278399;
  --brand-teal: #1f6f8f;
  --brand-black: #102435;
  --brand-neutral: #e7eff4;

  --bg: #f4f7f5;
  --surface: #ffffff;
  --surface-soft: #edf4f8;
  --ink: #102435;
  --muted: #3f5663;
  --link: #1f6f8f;
  --border: #cfdae2;
  --shadow: 0 10px 30px rgba(16, 36, 53, 0.08);
  --radius: 14px;
  --max: 1140px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", "Avenir Next", "Helvetica Neue", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(1100px 500px at 100% -5%, #ddeff5 0%, rgba(221, 239, 245, 0) 70%),
    radial-gradient(900px 480px at -10% 10%, #edf6fa 0%, rgba(237, 246, 250, 0) 65%),
    var(--bg);
  line-height: 1.58;
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: var(--link);
}

a:hover {
  color: var(--brand-red);
}

.container {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}

.section {
  padding: 4rem 0;
  border-top: 1px solid rgba(39, 131, 153, 0.1);
}

.section-head {
  margin-bottom: 1.6rem;
}

.eyebrow {
  margin: 0 0 0.45rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--brand-teal);
}

h1,
h2,
h3 {
  margin: 0 0 0.75rem;
  line-height: 1.2;
}

h1 {
  font-size: clamp(2rem, 4vw, 3.15rem);
}

h2 {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
}

h3 {
  font-size: 1.1rem;
}

p {
  margin: 0 0 1rem;
}

ul {
  margin: 0;
  padding-left: 1.1rem;
}

.skip-link {
  position: absolute;
  left: -9999px;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
  z-index: 100;
  background: var(--brand-black);
  color: #fff;
  padding: 0.7rem;
  border-radius: 8px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}

.header-inner {
  display: grid;
  grid-template-columns: 1fr auto auto;
  align-items: center;
  gap: 0.8rem;
  padding: 0.8rem 0;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  color: var(--ink);
  font-weight: 800;
}

.logo img {
  width: 52px;
  height: 52px;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: #fff;
  object-fit: cover;
}

.site-nav {
  position: absolute;
  left: 0;
  right: 0;
  top: calc(100% + 1px);
  display: none;
  gap: 0.65rem;
  padding: 1rem;
  background: #fff;
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.site-nav.open {
  display: grid;
}

.site-nav a {
  text-decoration: none;
  font-weight: 700;
  color: var(--ink);
}

.menu-toggle {
  width: 44px;
  height: 44px;
  display: grid;
  align-content: center;
  gap: 4px;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: #fff;
}

.menu-toggle span {
  width: 100%;
  height: 2px;
  background: var(--brand-black);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 800;
  border: 1px solid transparent;
  padding: 0.72rem 1.2rem;
  cursor: pointer;
}

.btn-primary {
  background: var(--brand-red);
  color: #fff;
}

.btn-primary:hover {
  background: var(--brand-teal);
  color: #fff;
}

.btn-ghost {
  background: transparent;
  border-color: var(--brand-teal);
  color: var(--brand-teal);
}

.btn-ghost:hover {
  background: rgba(39, 131, 153, 0.1);
}

.header-cta {
  display: none;
}

.hero {
  padding-top: 4.8rem;
}

.hero-grid {
  display: grid;
  gap: 1.2rem;
}

.hero-copy {
  max-width: 65ch;
  color: var(--muted);
  font-size: 1.05rem;
}

.hero-actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.hero-panel {
  background: linear-gradient(155deg, #e6f2ed 0%, #f8fbf9 65%);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.1rem;
}

.trust-strip {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: #fff;
}

.trust-items {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.8rem;
  padding: 1rem 0;
}

.trust-items p {
  margin: 0;
  text-align: center;
  border-radius: 10px;
  padding: 0.66rem;
  background: var(--surface-soft);
  font-weight: 700;
  color: var(--brand-black);
}

.card,
.step-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1rem;
}

.service-grid,
.testimonial-grid,
.how-grid,
.lender-grid {
  display: grid;
  gap: 1rem;
}

.strategy {
  background: linear-gradient(180deg, rgba(223, 239, 245, 0.6), rgba(244, 247, 245, 0.35));
}

.strategy-intro {
  max-width: 74ch;
}

.strategy-tiles {
  display: grid;
  gap: 0.8rem;
  margin-top: 1rem;
}

.strategy-tile {
  border-left: 5px solid var(--brand-green);
}

.broker-grid,
.about-grid,
.contact-grid,
.licensing-grid {
  display: grid;
  gap: 1rem;
}

.role {
  font-weight: 700;
  color: var(--brand-red);
}

.broker-card li {
  margin-bottom: 0.45rem;
}

.meta-title {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.45rem;
}

.icon-chip {
  width: 1.65rem;
  height: 1.65rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--surface-soft);
  border: 1px solid var(--border);
  font-size: 0.95rem;
}

.broker-photo {
  margin: 0.25rem 0 0;
}

.broker-photo img {
  width: 100%;
  max-width: 280px;
  border-radius: 12px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.lenders {
  background: linear-gradient(180deg, rgba(39, 131, 153, 0.05), rgba(255, 255, 255, 0));
}

.lender-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.lender-grid img {
  width: 100%;
  height: 72px;
  object-fit: contain;
  padding: 0.8rem;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  filter: grayscale(1) contrast(1.08);
  transition: filter 180ms ease, transform 180ms ease, border-color 180ms ease;
}

.lender-grid img:hover {
  filter: grayscale(0);
  transform: translateY(-2px);
  border-color: rgba(39, 131, 153, 0.55);
}

.todo-card {
  margin-top: 1rem;
  border-left: 5px solid var(--brand-yellow);
}

.calc-card form {
  display: grid;
  gap: 0.7rem;
}

.calc-form-grid {
  grid-template-columns: 1fr;
  gap: 0.8rem;
}

.calc-field {
  display: grid;
  gap: 0.4rem;
}

.calc-full {
  grid-column: 1 / -1;
}

label,
legend {
  font-weight: 700;
  font-size: 0.93rem;
}

input,
select,
textarea {
  width: 100%;
  font: inherit;
  color: var(--ink);
  background: #fff;
  border: 1px solid #bdb8a2;
  border-radius: 10px;
  padding: 0.7rem;
}

.checkbox-row {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.checkbox-row input {
  width: auto;
}

.calc-results {
  margin-top: 1rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface-soft);
  padding: 0.9rem;
}

.accordion {
  display: grid;
  gap: 0.6rem;
}

details {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.8rem 0.9rem;
  background: #fff;
}

summary {
  cursor: pointer;
  font-weight: 700;
}

summary::-webkit-details-marker {
  display: none;
}

details p {
  margin-top: 0.7rem;
  color: var(--muted);
}

.testimonials {
  background: linear-gradient(180deg, rgba(39, 131, 153, 0.08), rgba(255, 255, 255, 0));
}

.testimonial-grid blockquote {
  margin: 0;
  color: var(--muted);
}

.about {
  background: linear-gradient(180deg, rgba(102, 179, 204, 0.1), rgba(244, 247, 245, 0));
}

.values-card li {
  margin-bottom: 0.45rem;
}

fieldset {
  border: 0;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.7rem;
}

.form-actions {
  display: flex;
  gap: 0.7rem;
  flex-wrap: wrap;
}

.hp-field {
  position: absolute;
  left: -9999px;
  visibility: hidden;
}

.site-footer {
  background: var(--brand-black);
  color: #ecebe6;
  padding: 2.25rem 0 1.4rem;
  border-top: 4px solid var(--brand-red);
}

.footer-grid {
  display: grid;
  gap: 1rem;
}

.site-footer a {
  color: #bde6f5;
  text-decoration: none;
  display: inline-block;
  margin-right: 1rem;
  margin-bottom: 0.45rem;
}

.small-note {
  margin-top: 0.9rem;
  color: #5a5a5a;
  font-size: 0.9rem;
}

.site-footer .small-note {
  color: #d9d9d9;
}

.todo {
  color: var(--brand-yellow);
}

.hidden {
  display: none !important;
}

input:focus,
select:focus,
textarea:focus,
summary:focus,
button:focus,
a:focus {
  outline: 3px solid rgba(39, 131, 153, 0.3);
  outline-offset: 2px;
}

@media (min-width: 700px) {
  .header-inner {
    grid-template-columns: auto 1fr auto;
  }

  .menu-toggle {
    display: none;
  }

  .site-nav {
    position: static;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 0.85rem;
    box-shadow: none;
    border: 0;
    padding: 0;
    background: transparent;
  }

  .site-nav a {
    font-size: 0.95rem;
  }

  .header-cta {
    display: inline-flex;
  }

  .hero-grid,
  .broker-grid,
  .about-grid,
  .contact-grid,
  .licensing-grid {
    grid-template-columns: 1.2fr 1fr;
    align-items: start;
  }

  .service-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calc-form-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    column-gap: 1rem;
    row-gap: 0.9rem;
  }

  .strategy-tiles {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .testimonial-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .how-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .lender-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }

  .trust-items {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .footer-grid {
    grid-template-columns: 1.3fr 1fr;
    align-items: start;
  }
}

@media (min-width: 980px) {
  .service-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .strategy-tiles {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .how-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }

  .testimonial-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}