/* Clear To Close Mortgage — v3 (agency polish pass) */
/* Editorial mortgage brand. Conservative palette. Tighter typography. */

:root {
  --navy: #0A2342;
  --navy-deep: #061830;
  --navy-light: #1B3A5C;
  --cream: #FAF7F2;
  --cream-dark: #F0EBE0;
  --brass: #B08D57;
  --brass-deep: #8C6E40;
  --ink: #16191F;
  --ink-soft: #4A4F58;
  --ink-mute: #6B7280;
  --rule: #E5DFCE;
  --rule-soft: #EFEADC;
  --max: 1180px;
  --max-narrow: 980px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4 {
  font-family: 'Crimson Pro', Georgia, serif;
  font-weight: 600;
  letter-spacing: -0.015em;
  color: var(--navy);
}

h1 { font-size: clamp(2.6rem, 6vw, 4.2rem); line-height: 1.05; }
h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); line-height: 1.15; margin-bottom: 0.5em; }
h3 { font-size: 1.2rem; line-height: 1.3; margin-bottom: 0.4em; color: var(--navy); font-weight: 600; }

p { margin-bottom: 1em; color: var(--ink-soft); }
p:last-child { margin-bottom: 0; }

a { color: var(--brass-deep); text-decoration: none; border-bottom: 1px solid transparent; transition: border-color 0.15s, color 0.15s; }
a:hover { border-bottom-color: var(--brass-deep); }

img { max-width: 100%; height: auto; display: block; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 32px; }
.container.narrow { max-width: var(--max-narrow); }

.eyebrow {
  font-family: 'Inter', sans-serif;
  font-size: 0.74rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--brass-deep);
  margin-bottom: 18px;
  display: inline-block;
}

/* HEADER */
.site-header {
  background: var(--cream);
  padding: 22px 0;
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  background: rgba(250, 247, 242, 0.96);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.brand-logo {
  display: block;
  border: none;
  line-height: 0;
}
.brand-logo img {
  height: 56px;
  width: auto;
}
.site-nav { display: flex; gap: 28px; flex-wrap: wrap; align-items: center; }
.site-nav a {
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  border-bottom: none;
  padding: 4px 0;
}
.site-nav a:hover { color: var(--brass-deep); border-bottom: none; }
.site-nav .nav-sep {
  display: inline-block;
  width: 1px;
  height: 16px;
  background: var(--rule);
  align-self: center;
}
.site-nav a.nav-legal {
  color: var(--ink-mute);
  font-size: 0.74rem;
  letter-spacing: 0.14em;
  font-weight: 500;
}
.site-nav a.nav-legal:hover { color: var(--brass-deep); }
.site-nav a.nav-legal[aria-current="page"] { color: var(--brass-deep); }

/* LICENSING STRIP — small signal of legitimacy under header */
.license-strip {
  background: var(--navy);
  color: rgba(250, 247, 242, 0.78);
  font-size: 0.74rem;
  text-align: center;
  padding: 9px 24px;
  letter-spacing: 0.05em;
  border-bottom: 1px solid rgba(176, 141, 87, 0.4);
}
.license-strip strong { color: var(--brass); font-weight: 600; letter-spacing: 0.08em; }
.license-strip .sep { color: rgba(176, 141, 87, 0.6); margin: 0 14px; }

/* HERO */
.hero {
  position: relative;
  min-height: 640px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  padding: clamp(100px, 14vw, 160px) 0;
  color: var(--cream);
  overflow: hidden;
  text-align: left;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(110deg, rgba(6,24,48,0.78) 0%, rgba(6,24,48,0.55) 55%, rgba(6,24,48,0.35) 100%),
    url('/assets/hero.jpg') center / cover no-repeat;
  filter: saturate(0.92) contrast(1.05);
  z-index: 0;
}
.hero .container { position: relative; z-index: 1; }
.hero .hero-inner { max-width: 720px; }
.hero .eyebrow { color: var(--brass); margin-bottom: 24px; }
.hero h1 {
  color: var(--cream);
  margin-bottom: 28px;
  letter-spacing: -0.02em;
}
.hero h1 .accent {
  color: var(--brass);
  display: block;
  font-weight: 500;
}
.hero .tagline {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  color: rgba(250, 247, 242, 0.88);
  max-width: 560px;
  line-height: 1.55;
}
.hero .rule {
  width: 48px;
  height: 2px;
  background: var(--brass);
  margin: 36px 0 0;
}

/* SECTIONS */
section.block {
  padding: clamp(80px, 11vw, 130px) 0;
  border-bottom: 1px solid var(--rule);
}
section.block.alt { background: var(--cream-dark); }
.block-intro { max-width: 720px; margin: 0 auto 64px; text-align: center; }
.block-intro h2 { margin-bottom: 18px; }
.block-intro p { font-size: 1.08rem; color: var(--ink-soft); }

/* SPLIT */
.split {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 72px;
  align-items: center;
}
.split-text h2 { margin-bottom: 22px; }
.split-text p { font-size: 1.05rem; color: var(--ink-soft); }
.split-text .eyebrow { margin-bottom: 16px; }
.split-image {
  position: relative;
  border-radius: 2px;
  overflow: hidden;
  box-shadow: 0 22px 50px rgba(10, 35, 66, 0.22);
}
.split-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 460px;
  filter: saturate(0.9) brightness(0.97);
}
.split-image::after {
  content: '';
  position: absolute;
  inset: auto -16px -16px auto;
  width: 96px;
  height: 96px;
  border-right: 2px solid var(--brass);
  border-bottom: 2px solid var(--brass);
  pointer-events: none;
}

/* APPROACH — editorial cards (no giant numbers) */
.editorial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
}
.editorial-cell {
  background: var(--cream-dark);
  padding: 48px 36px;
  position: relative;
}
.editorial-cell .eyebrow { color: var(--brass-deep); margin-bottom: 16px; font-size: 0.7rem; }
.editorial-cell h3 {
  font-size: 1.45rem;
  margin-bottom: 14px;
  line-height: 1.25;
}
.editorial-cell p {
  font-size: 0.96rem;
  line-height: 1.65;
  color: var(--ink-soft);
}

/* PROMISE — replaces the cheesy quote banner */
.promise-panel {
  background: var(--navy);
  color: var(--cream);
  padding: clamp(72px, 10vw, 110px) 0;
  border-bottom: 1px solid var(--navy-deep);
}
.promise-panel .eyebrow { color: var(--brass); }
.promise-panel h2 {
  color: var(--cream);
  max-width: 720px;
  margin-bottom: 56px;
  letter-spacing: -0.02em;
}
.promise-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  border-top: 1px solid rgba(176, 141, 87, 0.35);
  padding-top: 48px;
}
.promise-item .label {
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--brass);
  margin-bottom: 14px;
}
.promise-item h3 {
  font-family: 'Crimson Pro', Georgia, serif;
  font-size: 1.4rem;
  color: var(--cream);
  margin-bottom: 12px;
  line-height: 1.25;
}
.promise-item p {
  font-size: 0.95rem;
  color: rgba(250, 247, 242, 0.78);
  line-height: 1.6;
}

/* PROCESS — editorial step list, no circles */
.process-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 48px 64px;
}
.process-step {
  border-top: 1px solid var(--rule);
  padding-top: 24px;
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 16px;
  align-items: baseline;
}
.process-step .step-no {
  font-family: 'Crimson Pro', Georgia, serif;
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--brass);
  line-height: 1;
}
.process-step h3 { margin-bottom: 8px; font-size: 1.15rem; }
.process-step p { font-size: 0.95rem; color: var(--ink-soft); }

/* CONTACT */
.contact-block {
  background: var(--navy-deep);
  color: var(--cream);
  padding: clamp(80px, 10vw, 110px) 0;
  text-align: center;
}
.contact-block .eyebrow { color: var(--brass); }
.contact-block h2 { color: var(--cream); margin-bottom: 16px; }
.contact-block .intro {
  color: rgba(250, 247, 242, 0.78);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
}
.contact-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 36px;
  max-width: 940px;
  margin: 56px auto 0;
}
.contact-item .label {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--brass);
  margin-bottom: 12px;
}
.contact-item .value { font-size: 1rem; color: var(--cream); line-height: 1.5; }
.contact-item a { color: var(--cream); border-bottom: 1px solid rgba(176, 141, 87, 0.5); }
.contact-item a:hover { color: var(--brass); border-bottom-color: var(--brass); }

/* LEGAL PAGES */
.legal-page {
  padding: clamp(72px, 9vw, 110px) 0;
  background: var(--cream);
}
.legal-page .container { max-width: 820px; }
.legal-page h1 { font-size: clamp(2rem, 4vw, 2.8rem); margin-bottom: 14px; }
.legal-page .effective {
  font-size: 0.88rem;
  color: var(--ink-mute);
  font-style: italic;
  margin-bottom: 48px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--rule);
}
.legal-page h2 { font-size: 1.4rem; margin: 44px 0 14px; }
.legal-page h3 { font-size: 1.08rem; margin: 28px 0 8px; }
.legal-page p, .legal-page li { font-size: 1rem; color: var(--ink); line-height: 1.75; }
.legal-page ul, .legal-page ol { margin: 0 0 1em 1.5em; }
.legal-page li { margin-bottom: 0.4em; }

/* FOOTER */
.site-footer {
  background: var(--navy-deep);
  color: rgba(250, 247, 242, 0.78);
  padding: 64px 0 36px;
  font-size: 0.88rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 56px;
  margin-bottom: 44px;
}
.footer-col h4 {
  color: var(--brass);
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  margin-bottom: 16px;
}
.footer-col p, .footer-col a {
  color: rgba(250, 247, 242, 0.82);
  font-size: 0.88rem;
  line-height: 1.65;
  margin-bottom: 8px;
  display: block;
}
.footer-col a:hover { color: var(--brass); }
.footer-disclosure {
  border-top: 1px solid rgba(250, 247, 242, 0.12);
  padding-top: 26px;
  font-size: 0.78rem;
  color: rgba(250, 247, 242, 0.58);
  line-height: 1.65;
}
.footer-disclosure p { color: inherit; font-size: inherit; margin-bottom: 12px; }
.ehl-badge {
  display: inline-block;
  width: 38px;
  height: 38px;
  border: 2px solid var(--brass);
  border-radius: 3px;
  text-align: center;
  line-height: 36px;
  color: var(--brass);
  font-family: 'Crimson Pro', Georgia, serif;
  font-weight: 700;
  font-size: 0.95rem;
  margin-right: 12px;
  vertical-align: middle;
}

/* RESPONSIVE */
@media (max-width: 960px) {
  .split { grid-template-columns: 1fr; gap: 44px; }
  .split-image img { min-height: 320px; }
  .editorial-grid { grid-template-columns: 1fr; }
  .promise-grid { grid-template-columns: 1fr; gap: 36px; }
  .process-grid { grid-template-columns: 1fr; gap: 32px; }
  .contact-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
}

@media (max-width: 640px) {
  .container { padding: 0 22px; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .site-nav { gap: 18px; }
  .site-nav a { font-size: 0.74rem; }
  .brand-logo img { height: 44px; }
  .hero { min-height: 520px; padding: 80px 0; }
  .contact-grid { grid-template-columns: 1fr; gap: 28px; }
  .license-strip { font-size: 0.68rem; padding: 8px 16px; }
  .license-strip .sep { margin: 0 8px; }
}