/* ============================================
   MORTGAGE OPTIONS INSIDER — design system v3
   Light luxury revision: ivory/white dominant, navy + gold accents
   Display: Fraunces | Body: IBM Plex Sans | Utility: IBM Plex Mono
   ============================================ */

:root{
  --navy-deep:#10182b;
  --navy:#1b2947;
  --navy-soft:#28395e;
  --navy-line: rgba(182,137,63,0.22);
  --ivory:#faf7f1;
  --paper:#ffffff;
  --ink:#1c2433;
  --slate:#5b6472;
  --gold:#b6893f;
  --gold-soft:#d9b878;
  --gold-bright:#ecd9ab;
  --ice:#6fa8bf;
  --sage:#4f7a63;
  --sage-bg:#eaf1ec;
  --rust:#a14b3f;
  --rust-bg:#f5e9e6;
  --radius:16px;
  --max:1140px;
  color-scheme: light;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth; color-scheme:light; background-color:var(--ivory);}
body{
  margin:0;
  background:var(--ivory);
  color:var(--ink);
  font-family:'IBM Plex Sans', -apple-system, sans-serif;
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Fraunces', Georgia, serif;
  font-weight:600;
  color:var(--navy-deep);
  line-height:1.14;
  letter-spacing:-0.01em;
  margin:0 0 .5em;
}
h1{font-size:clamp(2.2rem,5vw,3.5rem); font-weight:560;}
h2{font-size:clamp(1.6rem,3.4vw,2.3rem);}
h3{font-size:1.26rem;}
p{margin:0 0 1em;}
a{color:var(--navy-soft);}
img{max-width:100%;display:block;}
.container{max-width:var(--max); margin:0 auto; padding:0 24px;}
.eyebrow{
  font-family:'IBM Plex Mono', monospace;
  font-size:.72rem;
  letter-spacing:.2em;
  text-transform:uppercase;
  color:var(--gold);
  font-weight:600;
  display:inline-flex;
  align-items:center;
  gap:10px;
}
.eyebrow::before{content:""; width:22px; height:1px; background:var(--gold); display:inline-block;}
.lede{font-size:1.15rem; color:var(--slate); max-width:60ch;}
.muted{color:var(--slate);}
.center{text-align:center; margin-left:auto; margin-right:auto;}
.center .eyebrow::before{display:none;}

.hairline{height:1px; background:linear-gradient(90deg, transparent, var(--navy-line) 20%, var(--navy-line) 80%, transparent);}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:9px;
  font-family:'IBM Plex Sans',sans-serif;
  font-weight:600; font-size:.92rem;
  letter-spacing:.02em;
  padding:14px 28px;
  border-radius:999px;
  text-decoration:none;
  border:1.5px solid transparent;
  cursor:pointer;
  transition:transform .18s ease, box-shadow .25s ease, background .25s ease, border-color .2s ease;
}
.btn:hover{transform:translateY(-2px);}
.btn-gold{
  background:linear-gradient(135deg, var(--gold-bright), var(--gold) 60%, #96692c);
  color:#231705;
  box-shadow:0 6px 18px rgba(182,137,63,.28);
}
.btn-gold:hover{box-shadow:0 10px 26px rgba(182,137,63,.4);}
.btn-outline{border-color:rgba(255,255,255,.5); color:#fff;}
.btn-outline:hover{background:rgba(255,255,255,.1);}
.btn-navy{background:var(--navy-deep); color:#fff; border-color:var(--navy-deep);}
.btn-navy:hover{background:var(--navy); box-shadow:0 10px 24px rgba(16,24,43,.25);}
.btn-row{display:flex; gap:14px; flex-wrap:wrap;}

/* ---------- Header / Nav ---------- */
header.site{
  background:rgba(16,24,43,.94);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
  position:sticky; top:0; z-index:50;
  border-bottom:1px solid var(--navy-line);
}
.nav-wrap{
  display:flex; align-items:center; justify-content:space-between;
  padding:17px 24px;
  max-width:var(--max); margin:0 auto;
}
.brand{
  display:flex; align-items:baseline; gap:10px;
  text-decoration:none;
  color:#fff;
  font-family:'Fraunces',serif;
}
.brand .mark{color:var(--gold-soft); font-size:1.5rem;}
.brand .word{font-size:1.15rem; font-weight:600; letter-spacing:.01em;}
.brand .sub{font-family:'IBM Plex Mono',monospace; font-size:.6rem; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-soft); display:block; margin-top:1px; opacity:.85;}
nav.main-nav{display:flex; gap:30px; align-items:center;}
nav.main-nav a, nav.main-nav button{
  color:#dfe2ea; text-decoration:none; font-size:.82rem; font-weight:600;
  letter-spacing:.08em; text-transform:uppercase;
  padding:6px 2px; border-bottom:1px solid transparent;
  background:none; border-top:none; border-left:none; border-right:none;
  cursor:pointer; font-family:inherit;
}
nav.main-nav a:hover, nav.main-nav a.active, nav.main-nav button:hover, nav.main-nav button.active{color:var(--gold-soft); border-color:var(--gold-soft);}
.nav-toggle{display:none; background:none; border:none; color:#fff; font-size:1.6rem; cursor:pointer;}

@media (max-width:820px){
  .nav-toggle{display:block;}
  nav.main-nav{
    position:absolute; top:100%; left:0; right:0;
    background:rgba(16,24,43,.98);
    flex-direction:column; align-items:flex-start;
    padding:10px 24px 22px; gap:16px;
    display:none;
  }
  nav.main-nav.open{display:flex;}
}

/* ---------- Trust strip ---------- */
.trust-strip{
  background:var(--navy);
  color:var(--gold-soft);
  font-family:'IBM Plex Mono',monospace;
  font-size:.7rem;
  letter-spacing:.1em;
  text-align:center;
  padding:10px 16px;
}

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color:#fff;
  padding:88px 0 100px;
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute; inset:0;
  background-image: radial-gradient(circle at 82% 12%, rgba(217,184,120,.16), transparent 55%);
  pointer-events:none;
}
.hero .container{position:relative;}
.hero h1{color:#fff; max-width:17ch;}
.hero .lede{color:#c7cddb; margin-top:20px;}
.hero .eyebrow{color:var(--gold-soft);}
.hero .eyebrow::before{background:var(--gold-soft);}

/* ---------- Sections ---------- */
section{padding:84px 0; background-color:var(--ivory);}
section.tight{padding:56px 0;}
.section-head{max-width:640px; margin-bottom:48px;}

/* ---------- Pillars / cards ---------- */
.grid-3{display:grid; grid-template-columns:repeat(3,1fr); gap:26px;}
.grid-2{display:grid; grid-template-columns:1fr 1fr; gap:30px;}
@media (max-width:820px){.grid-3,.grid-2{grid-template-columns:1fr;}}

.card{
  background:var(--paper);
  border:1px solid rgba(16,24,43,.08);
  border-top:2px solid var(--gold);
  border-radius:var(--radius);
  padding:32px 28px;
  box-shadow:0 2px 10px rgba(16,24,43,.04);
  transition:transform .2s ease, box-shadow .25s ease;
}
.card:hover{transform:translateY(-3px); box-shadow:0 16px 36px rgba(16,24,43,.1);}
.card .num{
  font-family:'IBM Plex Mono',monospace;
  color:var(--gold);
  font-size:.78rem;
  letter-spacing:.14em;
  margin-bottom:12px;
  display:block;
}

/* ---------- Path / Journey tool ---------- */
.path-wrap{
  background:linear-gradient(160deg, var(--navy-deep), var(--navy));
  border-radius:24px;
  padding:48px 30px 34px;
  color:#fff;
}
.path-track{
  position:relative;
  display:flex;
  justify-content:space-between;
  gap:4px;
  padding:0 4px;
  margin-bottom:8px;
}
.path-track::before{
  content:"";
  position:absolute;
  top:19px; left:26px; right:26px;
  height:1px;
  background:linear-gradient(90deg, var(--gold-soft), rgba(217,184,120,.25));
}
.path-node{
  position:relative;
  background:none; border:none; color:#cfd7e6; cursor:pointer;
  display:flex; flex-direction:column; align-items:center; gap:11px;
  flex:1; min-width:0;
  font-family:'IBM Plex Sans', sans-serif;
  padding:4px 2px 0;
}
.path-node .dot{
  width:40px; height:40px; border-radius:50%;
  background:rgba(255,255,255,.08); border:1.5px solid rgba(217,184,120,.5);
  display:flex; align-items:center; justify-content:center;
  font-family:'IBM Plex Mono',monospace; font-size:.78rem; font-weight:600;
  color:var(--gold-soft);
  transition:all .25s ease;
}
.path-node .label{font-size:.72rem; text-align:center; line-height:1.25; color:#aeb6c7;}
.path-node.active .dot{
  background:linear-gradient(135deg, var(--gold-bright), var(--gold));
  color:#231705; border-color:var(--gold);
  box-shadow:0 0 0 5px rgba(182,137,63,.18);
  transform:scale(1.12);
}
.path-node.active .label{color:#fff; font-weight:600;}
.path-node:hover .dot{border-color:#fff;}

.path-panel{
  background:var(--paper);
  color:var(--ink);
  border-radius:18px;
  padding:34px;
  margin-top:30px;
}
.path-panel .tag{
  display:inline-block;
  font-family:'IBM Plex Mono',monospace;
  font-size:.68rem; letter-spacing:.12em; text-transform:uppercase;
  padding:5px 12px; border-radius:999px;
  margin-bottom:16px;
}
.tag.ok{background:var(--sage-bg); color:var(--sage);}
.tag.watch{background:#fbf1de; color:#8a6416;}
.tag.urgent{background:var(--rust-bg); color:var(--rust);}
.path-panel h3{margin-bottom:8px;}
.path-panel .options-list{list-style:none; margin:20px 0 0; padding:0; display:grid; gap:13px;}
.path-panel .options-list li{
  border-left:2px solid var(--gold);
  padding:4px 0 4px 16px;
}
.path-panel .options-list li b{color:var(--navy-deep);}
.fact-box{
  background:var(--ivory);
  border-radius:12px;
  padding:18px 20px;
  margin-top:22px;
  font-size:.92rem;
  border-left:2px solid var(--ice);
}
.fact-box .eyebrow{display:flex; margin-bottom:8px;}

/* ---------- Glossary / education ---------- */
.glossary dt{font-family:'Fraunces',serif; font-weight:600; color:var(--navy-deep); margin-top:22px; font-size:1.05rem;}
.glossary dd{margin:5px 0 0; color:var(--slate);}

.resource-list{display:grid; gap:16px;}
.resource{
  display:flex; justify-content:space-between; align-items:center; gap:16px;
  background:var(--paper); border:1px solid rgba(16,24,43,.08); border-left:2px solid var(--gold);
  border-radius:12px; padding:22px 24px;
  transition:transform .18s ease;
}
.resource:hover{transform:translateX(3px);}
.resource .status{
  font-family:'IBM Plex Mono',monospace; font-size:.66rem; letter-spacing:.1em; text-transform:uppercase;
  color:var(--gold); white-space:nowrap;
}

/* ---------- Forms ---------- */
form.stack{display:grid; gap:17px; max-width:560px;}
label{font-weight:600; font-size:.86rem; display:block; margin-bottom:7px; color:var(--navy-deep); letter-spacing:.01em;}
input, select, textarea{
  width:100%; font-family:inherit; font-size:1rem;
  padding:13px 15px; border-radius:10px;
  border:1.5px solid rgba(16,24,43,.16);
  background:#fff; color:var(--ink);
  transition:border-color .18s ease, box-shadow .18s ease;
}
input:focus, select:focus, textarea:focus{outline:none; border-color:var(--gold); box-shadow:0 0 0 3px rgba(182,137,63,.16);}
textarea{min-height:130px; resize:vertical;}
.field-note{font-size:.82rem; color:var(--slate); margin-top:-8px;}
.form-success{
  display:none; background:var(--sage-bg); color:var(--sage);
  padding:16px 18px; border-radius:10px; font-weight:600;
}

/* ---------- Info strip / about ---------- */
.info-strip{display:flex; gap:44px; flex-wrap:wrap; padding:32px 0; border-top:1px solid rgba(16,24,43,.1); border-bottom:1px solid rgba(16,24,43,.1);}
.info-strip div h4{margin-bottom:3px; font-size:.78rem; text-transform:uppercase; letter-spacing:.14em; color:var(--gold); font-family:'IBM Plex Mono',monospace; font-weight:600;}
.info-strip div p{margin:0; color:var(--navy-deep); font-weight:500;}

/* ---------- Social placeholders ---------- */
.social-row{display:flex; gap:14px; margin-top:8px;}
.social-row a{
  width:44px; height:44px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  background:rgba(255,255,255,.08); color:#fff; text-decoration:none;
  border:1px solid rgba(255,255,255,.25);
  font-size:.76rem; font-family:'IBM Plex Mono',monospace;
  transition:all .2s ease;
}
.social-row a:hover{background:rgba(217,184,120,.2); border-color:var(--gold-soft);}

/* ---------- Footer ---------- */
footer.site{background:var(--navy-deep); color:#aab1c2; padding:64px 0 30px; margin-top:0;}
footer.site h4{color:#fff; font-size:.82rem; font-family:'IBM Plex Mono',monospace; letter-spacing:.1em; text-transform:uppercase; font-weight:600; margin-bottom:16px;}
footer.site a{color:#aab1c2; text-decoration:none; font-size:.9rem;}
footer.site a:hover{color:var(--gold-soft);}
.footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1.3fr; gap:32px;}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr 1fr;}}
.footer-grid ul{list-style:none; margin:0; padding:0; display:grid; gap:9px;}
.legal-block{
  margin-top:44px; padding-top:30px; border-top:1px solid rgba(217,184,120,.18);
  font-size:.76rem; line-height:1.75; color:#828aa0;
}
.legal-block p{margin:0 0 10px;}
.legal-block strong{color:#aab1c2;}
.copyright{margin-top:22px; font-size:.74rem; color:#6b7288; font-family:'IBM Plex Mono',monospace; letter-spacing:.03em;}

/* ---------- Utility ---------- */
.stack-sm > * + *{margin-top:10px;}
.pill{display:inline-block; background:var(--sage-bg); color:var(--sage); font-family:'IBM Plex Mono',monospace; font-size:.68rem; padding:4px 12px; border-radius:999px; letter-spacing:.07em;}


/* ---- About hero with portrait ---- */
.about-hero{
  display:grid;
  grid-template-columns:300px 1fr;
  gap:44px;
  align-items:center;
}
.about-photo img{
  width:100%;
  height:auto;
  border-radius:14px;
  display:block;
  object-fit:cover;
  aspect-ratio:1/1;
  border:1px solid rgba(11,24,48,.10);
  box-shadow:0 18px 40px rgba(11,24,48,.14);
}
.about-intro .eyebrow{margin-bottom:10px;}
@media (max-width:820px){
  .about-hero{grid-template-columns:1fr; gap:26px;}
  .about-photo{max-width:260px;}
}