/* Queen of Mortgages — design system
   Navy + gold. Military-trustworthy, warm, premium. */

:root {
  --navy: #13233b;
  --navy-2: #1c3252;
  --navy-3: #0e1a2e;
  --gold: #c9a24b;
  --gold-deep: #a88434;
  --gold-soft: #efe3c8;
  --paper: #faf7f1;
  --card: #ffffff;
  --ink: #223041;
  --muted: #5d6878;
  --line: #e6ddc9;
  --radius: 14px;
  --shadow: 0 12px 32px rgba(19, 35, 59, 0.10);
  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-2); }

.wrap { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(14, 26, 46, 0.97);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid rgba(201, 162, 75, 0.25);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 24px; max-width: 1200px; margin: 0 auto;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark {
  width: 40px; height: 40px; border-radius: 10px;
  background: linear-gradient(135deg, var(--gold), var(--gold-deep));
  display: grid; place-items: center; flex: none;
}
.brand-mark svg { width: 24px; height: 24px; }
.brand-name { color: #fff; font-family: var(--font-display); font-size: 20px; line-height: 1.15; }
.brand-name small { display: block; font-family: var(--font-body); font-size: 11px; letter-spacing: 2.5px; color: var(--gold-soft); text-transform: uppercase; }
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  color: #dfe5ee; text-decoration: none; font-size: 15px; font-weight: 500;
  padding: 9px 13px; border-radius: 8px;
}
.main-nav a:hover { background: rgba(255,255,255,0.08); color: #fff; }
.main-nav a.active { color: var(--gold); }
.nav-cta {
  background: var(--gold) !important; color: var(--navy-3) !important;
  font-weight: 700 !important; margin-left: 10px; padding: 10px 18px !important;
}
.nav-cta:hover { background: var(--gold-soft) !important; }
.nav-toggle { display: none; background: none; border: 0; color: #fff; font-size: 28px; cursor: pointer; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1000px 500px at 85% -10%, rgba(201,162,75,0.16), transparent 60%),
    radial-gradient(700px 500px at 10% 110%, rgba(201,162,75,0.10), transparent 60%),
    linear-gradient(180deg, var(--navy-3), var(--navy));
  color: #fff; padding: 84px 0 72px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0.5;
  background-image: radial-gradient(rgba(255,255,255,0.14) 1px, transparent 1.6px);
  background-size: 34px 34px;
  mask-image: linear-gradient(180deg, black, transparent 75%);
}
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--gold); font-size: 13px; font-weight: 700;
  letter-spacing: 2.5px; text-transform: uppercase; margin: 0 0 18px;
}
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); display: inline-block; }
.hero h1 {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(36px, 5vw, 58px); line-height: 1.08; margin: 0 0 20px; letter-spacing: -0.5px;
}
.hero h1 em { color: var(--gold); font-style: normal; }
.hero p.lead { font-size: 19px; color: #c9d3e2; max-width: 34em; margin: 0 0 30px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 34px; }
.trust-row { display: flex; gap: 28px; flex-wrap: wrap; }
.trust-item { display: flex; flex-direction: column; }
.trust-item strong { font-family: var(--font-display); font-size: 26px; color: var(--gold); }
.trust-item span { font-size: 13px; color: #aeb9cc; letter-spacing: 0.4px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 15px 28px; border-radius: 10px; font-weight: 700; font-size: 16px;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: var(--navy-3); box-shadow: 0 8px 24px rgba(201,162,75,0.35); }
.btn-gold:hover { background: var(--gold-soft); }
.btn-outline { border-color: rgba(255,255,255,0.4); color: #fff; }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); }
.btn-outline-navy { border-color: var(--navy); color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }

/* Hero media card */
.hero-media { position: relative; }
.video-card {
  background: var(--navy-3); border: 1px solid rgba(201,162,75,0.35);
  border-radius: 18px; overflow: hidden; box-shadow: 0 24px 60px rgba(0,0,0,0.35);
}
.video-frame { position: relative; aspect-ratio: 16/9; background: #0a1424; display: grid; place-items: center; }
.video-frame .play {
  width: 76px; height: 76px; border-radius: 50%; background: var(--gold);
  display: grid; place-items: center; box-shadow: 0 10px 30px rgba(201,162,75,0.5);
}
.video-frame .play::after {
  content: ""; border-left: 22px solid var(--navy-3); border-top: 14px solid transparent; border-bottom: 14px solid transparent; margin-left: 5px;
}
.video-card figcaption { padding: 16px 20px; font-size: 14px; color: #c9d3e2; }
.video-card figcaption strong { color: #fff; display: block; font-size: 15px; }
.hero-badge {
  position: absolute; top: -18px; right: 18px; background: var(--gold); color: var(--navy-3);
  font-size: 13px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase;
  padding: 8px 16px; border-radius: 999px; box-shadow: var(--shadow); transform: rotate(3deg);
}

/* ---------- Sections ---------- */
.section { padding: 76px 0; }
.section-alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 720px; margin: 0 0 44px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 {
  font-family: var(--font-display); font-size: clamp(30px, 3.6vw, 42px);
  line-height: 1.15; margin: 0 0 14px; letter-spacing: -0.4px; color: var(--navy);
}
.section-head p { color: var(--muted); font-size: 18px; margin: 0; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }

.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 28px; box-shadow: var(--shadow);
}
.card h3 { font-family: var(--font-display); font-size: 22px; margin: 0 0 10px; color: var(--navy); }
.card p { color: var(--muted); margin: 0 0 16px; font-size: 16px; }
.card .icon {
  width: 52px; height: 52px; border-radius: 12px; margin-bottom: 18px;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  display: grid; place-items: center; color: var(--gold); font-size: 24px;
}
.card a.more { font-weight: 700; color: var(--gold-deep); text-decoration: none; }
.card a.more:hover { text-decoration: underline; }
.card .step-num {
  font-family: var(--font-display); font-size: 15px; font-weight: 700; color: var(--gold-deep);
  letter-spacing: 2px; text-transform: uppercase; display: block; margin-bottom: 10px;
}

/* Shorts feed */
.shorts-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.short-card {
  border-radius: var(--radius); overflow: hidden; background: var(--navy-3);
  border: 1px solid var(--line); box-shadow: var(--shadow); text-decoration: none; color: #fff;
  transition: transform 0.15s ease;
}
.short-card:hover { transform: translateY(-4px); }
.short-thumb { aspect-ratio: 9/16; background: linear-gradient(160deg, var(--navy-2), var(--navy-3)); position: relative; display: grid; place-items: center; }
.short-thumb img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.short-thumb .play-mini {
  width: 52px; height: 52px; border-radius: 50%; background: rgba(201,162,75,0.95);
  display: grid; place-items: center; position: relative; z-index: 1;
}
.short-thumb .play-mini::after { content: ""; border-left: 15px solid var(--navy-3); border-top: 10px solid transparent; border-bottom: 10px solid transparent; margin-left: 3px; }
.short-meta { padding: 12px 14px; }
.short-meta strong { font-size: 14px; display: block; line-height: 1.35; }
.short-meta span { font-size: 12px; color: var(--gold-soft); }
.short-placeholder .short-thumb { background: repeating-linear-gradient(45deg, #182a47, #182a47 14px, #14243d 14px, #14243d 28px); }
.short-placeholder p { color: var(--gold-soft); font-size: 13px; padding: 0 6px; text-align: center; }

/* FAQ */
.faq { max-width: 800px; }
.faq details {
  background: var(--card); border: 1px solid var(--line); border-radius: 12px;
  margin-bottom: 12px; padding: 20px 24px; box-shadow: 0 4px 14px rgba(19,35,59,0.05);
}
.faq summary { font-weight: 700; font-size: 17px; color: var(--navy); cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 26px; color: var(--gold-deep); font-weight: 400; flex: none; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); margin: 12px 0 4px; }

/* CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--navy-3), var(--navy-2));
  border-radius: 22px; padding: 56px; color: #fff; text-align: center; position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0; opacity: 0.35;
  background-image: radial-gradient(rgba(201,162,75,0.5) 1px, transparent 1.6px); background-size: 30px 30px;
  mask-image: radial-gradient(600px 300px at 50% 0%, black, transparent 70%);
}
.cta-band h2 { font-family: var(--font-display); font-size: clamp(28px, 3.4vw, 40px); margin: 0 0 12px; position: relative; }
.cta-band p { color: #c9d3e2; max-width: 560px; margin: 0 auto 28px; position: relative; }
.cta-band .hero-cta { justify-content: center; margin: 0; position: relative; }

/* Service area pills */
.pills { display: flex; flex-wrap: wrap; gap: 10px; }
.pill {
  border: 1px solid var(--line); background: #fff; border-radius: 999px;
  padding: 9px 18px; font-size: 14px; font-weight: 600; color: var(--navy);
}

/* Testimonials */
.quote-card { display: flex; flex-direction: column; }
.quote-card blockquote { font-family: var(--font-display); font-size: 19px; line-height: 1.5; margin: 0 0 18px; color: var(--navy); flex: 1; }
.quote-card blockquote::before { content: "\201C"; color: var(--gold); font-size: 40px; line-height: 0; display: block; margin: 14px 0 6px; }
.quote-card cite { font-style: normal; font-size: 14px; color: var(--muted); }
.quote-card cite strong { color: var(--ink); display: block; font-size: 15px; }
.stars { color: var(--gold-deep); letter-spacing: 3px; margin-bottom: 10px; }

/* About */
.about-grid { display: grid; grid-template-columns: 340px 1fr; gap: 48px; align-items: start; }
.about-photo {
  border-radius: 20px; overflow: hidden; box-shadow: var(--shadow);
  border: 1px solid var(--line); background: var(--navy-2); aspect-ratio: 4/5;
  display: grid; place-items: center; color: var(--gold-soft); text-align: center; padding: 24px;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.cred-list { list-style: none; padding: 0; margin: 24px 0; display: grid; gap: 12px; }
.cred-list li { display: flex; gap: 12px; align-items: flex-start; }
.cred-list li::before { content: "\2713"; color: var(--gold-deep); font-weight: 800; flex: none; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow); }
.contact-row { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; border-bottom: 1px solid var(--line); }
.contact-row:last-child { border-bottom: 0; }
.contact-row .icon { width: 44px; height: 44px; border-radius: 10px; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 20px; flex: none; }
.contact-row strong { display: block; color: var(--navy); }
.contact-row a { color: var(--ink); text-decoration: none; font-weight: 600; }
.contact-row a:hover { color: var(--gold-deep); }
.form label { display: block; font-weight: 600; font-size: 14px; margin: 16px 0 6px; color: var(--navy); }
.form input, .form select, .form textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: 10px;
  font-family: inherit; font-size: 16px; background: var(--paper);
}
.form input:focus, .form select:focus, .form textarea:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.form textarea { min-height: 120px; resize: vertical; }

/* Page hero (interior) */
.page-hero { background: linear-gradient(180deg, var(--navy-3), var(--navy)); color: #fff; padding: 64px 0 52px; }
.page-hero h1 { font-family: var(--font-display); font-size: clamp(32px, 4.4vw, 50px); margin: 0 0 14px; letter-spacing: -0.4px; }
.page-hero p { color: #c9d3e2; font-size: 18px; max-width: 640px; margin: 0; }
.crumbs { font-size: 13px; color: #8b96ab; margin-bottom: 16px; letter-spacing: 0.5px; }
.crumbs a { color: var(--gold-soft); text-decoration: none; }

/* Two-col content */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 20px 0; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist li::before { content: "\2713"; color: var(--gold-deep); font-weight: 800; flex: none; background: var(--gold-soft); width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; font-size: 14px; }

/* Table */
.rate-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.rate-table th, .rate-table td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--line); }
.rate-table th { background: var(--navy); color: #fff; font-size: 14px; letter-spacing: 1px; text-transform: uppercase; }
.rate-table tr:last-child td { border-bottom: 0; }

/* Footer */
.site-footer { background: var(--navy-3); color: #aeb9cc; padding: 64px 0 28px; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 44px; }
.site-footer h4 { color: #fff; font-size: 15px; letter-spacing: 1.5px; text-transform: uppercase; margin: 0 0 18px; }
.site-footer a { color: #aeb9cc; text-decoration: none; font-size: 15px; }
.site-footer a:hover { color: var(--gold); }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-brand p { font-size: 15px; }
.social-row { display: flex; gap: 10px; margin-top: 18px; }
.social-row a {
  width: 40px; height: 40px; border-radius: 10px; border: 1px solid rgba(255,255,255,0.2);
  display: grid; place-items: center; color: #fff; font-size: 17px;
}
.social-row a:hover { border-color: var(--gold); color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px;
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 13px; color: #7d889c;
}

/* Responsive */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .shorts-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid, .contact-grid, .split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .main-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy-3); flex-direction: column; align-items: stretch; padding: 12px 20px 20px;
    border-bottom: 1px solid rgba(201,162,75,0.25);
  }
  .main-nav.open { display: flex; }
  .nav-toggle { display: block; }
  .nav-cta { margin: 8px 0 0; text-align: center; }
}
@media (max-width: 600px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .cta-band { padding: 40px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero { padding: 60px 0 52px; }
}