/* ===========================
   MORTGAGE BIZ WITH BIZ
   Global Styles
=========================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400;1,600&family=Inter:wght@300;400;500;600&display=swap');

:root {
  --navy: #1A1A1A;
  --gold: #C9A84C;
  --cream: #FAF8F4;
  --dark: #0D0D0D;
  --gray: #666666;
  --light: #F0F0F0;
  --white: #FFFFFF;
  --gold-light: #FDF6E3;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--dark);
  background: var(--white);
  font-size: 16px;
  line-height: 1.7;
}

/* ─── Typography ─── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 700; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 600; }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.8rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; }
p { margin-bottom: 1rem; }
a { color: var(--navy); text-decoration: none; }

/* ─── Layout ─── */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
section { padding: 80px 0; }

/* ─── Buttons ─── */
.btn {
  display: inline-block;
  padding: 16px 36px;
  border-radius: 4px;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: .95rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  transition: all .2s ease;
  cursor: pointer;
  border: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--white);
  box-shadow: 0 2px 12px rgba(0,0,0,0.5);
}
.btn-primary:hover { background: #B8943E; transform: translateY(-2px); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}
.btn-outline:hover { background: var(--white); color: var(--navy); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: #142d55; transform: translateY(-2px); }

/* ─── Navigation ─── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(20, 20, 20, .97);
  backdrop-filter: blur(8px);
  padding: 0 24px;
}
.nav-inner {
  max-width: 1140px;
  margin: 0 auto;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}
.nav-logo span { color: var(--gold); }
.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
  align-items: center;
}
.nav-links a {
  color: rgba(255,255,255,1.0); text-shadow: 0 1px 6px rgba(0,0,0,0.5);
  font-size: .88rem;
  font-weight: 500;
  letter-spacing: .06em;
  text-transform: uppercase;
  transition: color .2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-links .nav-cta a {
  background: var(--gold);
  color: var(--white);
  padding: 10px 22px;
  border-radius: 4px;
}
.nav-links .nav-cta a:hover { background: #B8943E; }

/* Mobile nav */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
}

/* ─── Social Proof Bar ─── */
.proof-bar {
  background: var(--navy);
  color: var(--white);
  padding: 18px 24px;
  text-align: center;
}
.proof-bar-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  max-width: 1140px;
  margin: 0 auto;
}
.proof-item {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.proof-item .num {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.proof-item .label {
  font-size: .75rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  opacity: .8;
  margin-top: 2px;
}

/* ─── Hero ─── */
.hero {
  min-height: 100vh;
  background: var(--navy);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 72px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center top;
  opacity: 1;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(10,10,10,0.78) 0%, rgba(10,10,10,0.65) 35%, rgba(10,10,10,0.25) 60%, rgba(10,10,10,0.0) 80%);
  z-index: 1;
  pointer-events: none;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 720px;
  padding: 80px 24px;
}
.hero-eyebrow {
  font-size: .85rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  display: block;
}
.hero h1 {
  color: #fff;
  text-shadow: 0 2px 12px rgba(0,0,0,0.95), 0 0 40px rgba(0,0,0,0.6);
  margin-bottom: 28px;
}
.hero h1 em {
  color: var(--gold);
  font-style: normal;
}
.hero-sub {
  font-size: 1.15rem;
  color: #fff;
  text-shadow: 0 1px 8px rgba(0,0,0,0.95), 0 0 30px rgba(0,0,0,0.7);
  margin-bottom: 40px;
  max-width: 560px;
  line-height: 1.75;
}
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-social-proof {
  margin-top: 20px;
  color: rgba(255,255,255,0.90);
  font-size: .95rem;
  text-shadow: 0 1px 6px rgba(0,0,0,0.8);
  letter-spacing: .02em;
}
.hero-social-proof .stars {
  color: var(--gold);
  letter-spacing: .05em;
}

/* ─── Split Section ─── */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: stretch;
}
.split-img {
  background-size: cover;
  background-position: center;
  min-height: 520px;
}
.split-content {
  padding: 80px 64px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* ─── Cards ─── */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 32px;
  margin-top: 48px;
}
.card {
  border: 1px solid rgba(0,0,0,.12);
  border-radius: 8px;
  padding: 40px 36px;
  background: var(--white);
  transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,.1); }
.card-icon {
  font-size: 2rem;
  margin-bottom: 20px;
  display: block;
}
.card h3 { color: var(--navy); margin-bottom: 12px; }
.card-tag {
  display: inline-block;
  background: var(--gold-light);
  color: var(--gold);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 16px;
}

/* ─── Section Backgrounds ─── */
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy); }
.bg-light { background: var(--light); }
.bg-gold-light { background: var(--gold-light); }

.bg-navy h1,
.bg-navy h2,
.bg-navy h3,
.bg-navy h4,
.bg-navy p,
.bg-navy .section-label { color: var(--white); }
.bg-navy a { color: var(--gold); }
.bg-navy a.btn-primary, .bg-navy a.btn-navy { color: var(--white); }
.bg-navy a.btn-outline { color: var(--white); }

/* ─── Section Label ─── */
.section-label {
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 16px;
}

/* ─── Quote Block ─── */
.quote-block {
  border-left: 4px solid var(--gold);
  padding: 24px 32px;
  background: var(--gold-light);
  border-radius: 0 8px 8px 0;
  margin: 32px 0;
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.5;
}

/* ─── Testimonials ─── */
.testimonials { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; margin-top: 48px; }
.testimonial {
  background: var(--white);
  border-radius: 8px;
  padding: 36px;
  box-shadow: 0 4px 20px rgba(0,0,0,.07);
}
.stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 16px; letter-spacing: 2px; }
.testimonial p { font-size: .95rem; font-style: italic; color: var(--dark); margin-bottom: 20px; }
.reviewer { font-weight: 600; font-size: .88rem; color: var(--navy); text-transform: uppercase; letter-spacing: .06em; }

/* ─── Stats Row ─── */
.stats { display: flex; gap: 48px; flex-wrap: wrap; margin-top: 40px; }
.stat .num {
  font-family: 'Playfair Display', serif;
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  display: block;
}
.stat .label { font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; color: var(--gray); margin-top: 4px; }

/* ─── CTA Section ─── */
.cta-section {
  text-align: center;
  padding: 100px 24px;
}
.cta-section h2 { margin-bottom: 20px; }
.cta-section p { font-size: 1.1rem; color: var(--gray); max-width: 560px; margin: 0 auto 40px; }

/* ─── Photo Grid ─── */
.photo-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: auto;
  gap: 12px;
}
.photo-grid .photo { background-size: cover; background-position: center; border-radius: 6px; }
.photo-grid .photo.tall { grid-row: span 2; }

/* ─── Footer ─── */
footer {
  background: #0D0D0D;
  color: rgba(255,255,255,.7);
  padding: 60px 24px 32px;
}
.footer-inner {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
footer h4 { color: var(--gold); margin-bottom: 20px; font-size: .85rem; }
footer a { color: rgba(255,255,255,.7); font-size: .88rem; display: block; margin-bottom: 10px; transition: color .2s; }
footer a:hover { color: var(--gold); }
footer p { font-size: .88rem; line-height: 1.7; }
.footer-bottom {
  max-width: 1140px;
  margin: 0 auto;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: .78rem;
  line-height: 1.8;
  text-align: center;
}
.footer-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--white);
  font-weight: 700;
  margin-bottom: 16px;
}
.footer-logo span { color: var(--gold); }
.eho { display: inline-flex; align-items: center; gap: 8px; margin-top: 8px; }

/* ─── Page Hero (inner pages) ─── */
.page-hero {
  background: var(--navy);
  padding: 140px 24px 80px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,.8); font-size: 1.1rem; max-width: 580px; margin: 0 auto; }

/* ─── Process Steps ─── */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; margin-top: 48px; }
.step { text-align: center; padding: 20px; }
.step-num {
  width: 56px; height: 56px;
  background: var(--gold);
  color: var(--white);
  border-radius: 50%;
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
}
.step h3 { font-size: 1.1rem; margin-bottom: 10px; }
.step p { font-size: .9rem; color: var(--gray); }

/* ─── Responsive ─── */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 72px; left: 0; right: 0;
    background: var(--navy);
    padding: 32px 24px;
    gap: 24px;
    align-items: flex-start;
  }
  .split { grid-template-columns: 1fr; }
  .split-img { min-height: 320px; }
  .split-content { padding: 48px 24px; }
  .footer-inner { grid-template-columns: 1fr; }
  .photo-grid { grid-template-columns: 1fr 1fr; }
  .proof-bar-inner { gap: 24px; }
  section { padding: 60px 0; }
}


.team-coverage{font-size:0.72rem;color:rgba(255,255,255,0.5);margin-top:0.25rem;line-height:1.5}.team-coverage em{font-style:normal;color:rgba(255,255,255,0.65)}.resource-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.5rem;margin:2rem 0 3rem}.resource-card{display:block;background:#fff;border:1.5px solid #e8e0d0;border-radius:10px;text-decoration:none;color:inherit;transition:box-shadow 0.2s,transform 0.2s}.resource-card:hover{box-shadow:0 8px 28px rgba(0,0,0,0.10);transform:translateY(-2px)}.resource-card-inner{padding:1.75rem}.resource-tag{font-size:0.7rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--gold,#b8902a);margin-bottom:0.75rem}.resource-card h3{font-size:1.2rem;font-weight:700;color:var(--dark,#1a1a1a);margin:0 0 0.6rem;line-height:1.3}.resource-card p{font-size:0.88rem;color:#555;line-height:1.6;margin:0 0 1.2rem}.resource-link{font-size:0.82rem;font-weight:700;color:var(--gold,#b8902a);letter-spacing:0.02em}
/* Texas SML & State Compliance Notices */
.compliance-notice {
  font-size: 0.72rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 16px;
  text-align: left;
}
.compliance-notice a {
  color: rgba(255, 255, 255, 0.6);
  text-decoration: underline;
  display: inline;
}
.footer-policy-links {
  margin-top: 16px;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.6);
}
.footer-policy-links a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  display: inline;
}
.footer-policy-links a:hover {
  color: var(--gold);
  text-decoration: underline;
}