/* ============================================================
   Lendwise Group — shared stylesheet
   Palette and type sourced directly from the Lendwise brand guide.
   ============================================================ */

:root {
  --navy: #052D52;
  --navy-deep: #001D3B;
  --gold: #D59B25;
  --gold-warm: #F4C65D;
  --white-warm: #FAFAF8;
  --charcoal: #30343B;
  --line: #E3DFD3;
  --navy-tint: #EEF2F6;

  --font-head: "Montserrat", Arial, sans-serif;
  --font-body: "Lato", Arial, sans-serif;

  --max: 1160px;
  --radius: 4px;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--charcoal);
  background: var(--white-warm);
  line-height: 1.65;
  font-size: 17px;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(1.75rem, 2.6vw, 2.35rem); font-weight: 700; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.35rem, 1.9vw, 1.65rem); font-weight: 700; }
h3 { font-size: 1.08rem; font-weight: 600; }

p { margin: 0 0 1em; max-width: 62ch; }
a { color: var(--navy); }
img { max-width: 100%; display: block; }

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 88px 0; }
.section--tight { padding: 56px 0; }
.section--navy { background: var(--navy); color: #DCE6EF; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--navy p { color: #C4D2E0; }
.section--tint { background: var(--navy-tint); }

.eyebrow {
  color: var(--gold);
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.85rem;
  margin: 0 0 10px;
}

.lede {
  font-size: 0.98rem;
  color: #4A4E55;
  max-width: 60ch;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 14px 26px;
  border-radius: var(--radius);
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.btn-primary { background: var(--gold); color: var(--navy-deep); }
.btn-primary:hover { background: var(--gold-warm); }
.btn-outline { border-color: rgba(255,255,255,0.55); color: #fff; }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-outline-navy { border-color: var(--navy); color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(250,250,248,0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(6px);
}
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 24px;
  min-height: 108px;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img { height: 100px; width: auto; }

.main-nav { display: flex; align-items: center; gap: 28px; height: 100%; }
.main-nav a {
  font-family: var(--font-head);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  position: relative;
  line-height: 1;
}
.main-nav a:hover { color: var(--gold); }

.has-dropdown {
  position: relative;
  display: inline-flex;
  align-items: center;
}
.has-dropdown > a { display: inline-flex; align-items: center; gap: 5px; }
.has-dropdown > a::after {
  content: "";
  width: 7px;
  height: 7px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-1px);
  opacity: 0.6;
}
.dropdown {
  display: none;
  position: absolute;
  top: 130%;
  left: -20px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 12px 28px rgba(5,45,82,0.12);
  min-width: 240px;
  padding: 10px;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown { display: block; }
.dropdown a {
  display: block;
  padding: 9px 12px;
  font-weight: 500;
  border-radius: 3px;
  line-height: 1.4;
}
.dropdown a:hover { background: var(--navy-tint); }

.header-cta { display: flex; align-items: center; gap: 16px; }
.header-phone {
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  font-size: 0.88rem;
  white-space: nowrap;
}
.btn-header {
  padding: 10px 20px;
  font-size: 0.82rem;
}
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  width: 42px;
  height: 38px;
  cursor: pointer;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
}
.nav-toggle span { width: 20px; height: 2px; background: var(--navy); display: block; }

.mobile-panel {
  display: none;
  flex-direction: column;
  gap: 4px;
  padding: 10px 0 18px;
  border-top: 1px solid var(--line);
}
.mobile-panel.open { display: flex; }
.mobile-panel a {
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  padding: 10px 4px;
  border-bottom: 1px solid var(--line);
  font-size: 0.95rem;
}
.mobile-panel .mp-group-label {
  font-size: 0.75rem;
  color: #8a8e94;
  padding: 10px 4px 0;
  font-family: var(--font-head);
  font-weight: 700;
}

/* ---------- Hero ---------- */
.hero { padding: 80px 0 70px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}
.hero-badge {
  display: inline-block;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.8rem;
  color: var(--navy);
  background: var(--navy-tint);
  border: 1px solid var(--line);
  padding: 7px 14px;
  border-radius: 999px;
  margin-bottom: 20px;
}
.hero-stats {
  display: flex;
  gap: 36px;
  margin-top: 36px;
  flex-wrap: wrap;
}
.hero-stats div strong {
  display: block;
  font-family: var(--font-head);
  font-size: 1.5rem;
  color: var(--navy);
}
.hero-stats div span { font-size: 0.88rem; color: #5b5f66; }

.hero-panel {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 34px;
  color: #fff;
}
.hero-panel h3 { color: #fff; font-size: 1.05rem; margin-bottom: 18px; }
.hero-panel ul { list-style: none; margin: 0 0 26px; padding: 0; }
.hero-panel li {
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.14);
  font-size: 0.95rem;
  display: flex;
  gap: 10px;
}
.hero-panel li:last-child { border-bottom: none; }
.hero-panel li::before { content: "—"; color: var(--gold); }

/* ---------- Service grid ---------- */
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  margin-top: 44px;
}
.service-card {
  background: #fff;
  padding: 32px 28px;
  border-top: 3px solid var(--gold);
}
.service-card h3 { margin-bottom: 10px; }
.service-card p { font-size: 0.96rem; color: #4A4E55; margin-bottom: 16px; }
.service-card a {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.88rem;
  text-decoration: none;
  color: var(--navy);
  border-bottom: 2px solid var(--gold);
  padding-bottom: 2px;
}
.service-card--wide {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: var(--navy-tint);
}
.service-card--wide p { margin-bottom: 0; }
.service-card--wide a { white-space: nowrap; }
@media (max-width: 720px) {
  .service-card--wide { flex-direction: column; align-items: flex-start; }
}

/* ---------- Process ---------- */
.process-list {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 44px;
  counter-reset: step;
}
.process-step { position: relative; padding-left: 4px; }
.process-step .num {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 2.1rem;
  color: var(--gold);
  display: block;
  margin-bottom: 10px;
}
.process-step h3 { margin-bottom: 8px; }
.process-step p { font-size: 0.94rem; color: #4A4E55; }

/* ---------- Broker profile ---------- */
.profile-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 50px;
  align-items: center;
}
.avatar-circle {
  width: 100%;
  aspect-ratio: 1;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 55%, var(--gold) 130%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 4rem;
  max-width: 280px;
  margin: 0 auto;
}
.avatar-photo {
  width: 100%;
  max-width: 280px;
  aspect-ratio: 1;
  border-radius: 50%;
  object-fit: cover;
  display: block;
  margin: 0 auto;
  border: 6px solid #fff;
  box-shadow: 0 0 0 4px var(--gold), 0 16px 34px rgba(5,45,82,0.28);
}
.profile-tags { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 18px; }
.profile-tags span {
  font-size: 0.82rem;
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--navy);
  background: var(--navy-tint);
  border: 1px solid var(--line);
  padding: 6px 12px;
  border-radius: 999px;
}
.credential-line {
  margin-top: 20px;
  font-size: 0.85rem;
  color: #6b6f76;
  border-left: 3px solid var(--gold);
  padding-left: 12px;
}

/* ---------- Lender panel ---------- */
.lender-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 30px;
}
.lender-strip span {
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--line);
  padding: 10px 16px;
  border-radius: var(--radius);
}

/* ---------- Testimonials ---------- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 40px;
}
.testimonial {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.testimonial .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 12px; }
.testimonial p { font-size: 0.95rem; font-style: italic; color: #4A4E55; }
.testimonial .who { font-family: var(--font-head); font-weight: 700; font-size: 0.9rem; color: var(--navy); margin-top: 14px; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: var(--navy);
  color: #fff;
  padding: 64px 0;
  text-align: center;
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: #C4D2E0; margin: 0 auto 8px; }
.cta-banner .btn-row { justify-content: center; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: var(--navy);
  color: #fff;
  padding: 64px 0 56px;
}
.page-hero h1 { color: #fff; }
.page-hero .lede { color: #C4D2E0; }
.breadcrumb {
  font-size: 0.85rem;
  color: #9FB2C4;
  margin-bottom: 14px;
}
.breadcrumb a { color: #C4D2E0; text-decoration: none; }
.breadcrumb a:hover { color: var(--gold); }

.two-col {
  display: grid;
  grid-template-columns: 1.4fr 0.9fr;
  gap: 50px;
}
.side-card {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 26px;
  margin-bottom: 22px;
}
.side-card h3 { font-size: 1.02rem; }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  padding: 9px 0 9px 26px;
  position: relative;
  border-bottom: 1px solid var(--line);
  font-size: 0.94rem;
}
.checklist li:last-child { border-bottom: none; }
.checklist li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.faq-item { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq-item h3 { margin-bottom: 8px; font-size: 1.02rem; }
.faq-item p { font-size: 0.95rem; color: #4A4E55; margin: 0; }

/* ---------- Resources / blog ---------- */
.article-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 40px;
}
.article-card {
  background: #fff;
  border: 1px solid var(--line);
  display: flex;
  flex-direction: column;
}
.article-thumb {
  height: 140px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  position: relative;
}
.article-thumb::after {
  content: attr(data-tag);
  position: absolute;
  bottom: 10px;
  left: 14px;
  color: var(--gold-warm);
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.75rem;
}
.article-body { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.article-date { font-size: 0.78rem; color: #8a8e94; margin-bottom: 8px; }
.article-body h3 { font-size: 1.05rem; }
.article-body p { font-size: 0.9rem; color: #4A4E55; flex: 1; }
.article-body a { font-family: var(--font-head); font-weight: 700; font-size: 0.85rem; text-decoration: none; border-bottom: 2px solid var(--gold); align-self: flex-start; padding-bottom: 2px; }

.article-content { max-width: 72ch; margin: 0 auto; }
.article-content h2 { margin-top: 1.6em; }
.article-content ul, .article-content ol { padding-left: 1.2em; }
.article-content li { margin-bottom: 0.5em; }

/* ---------- Contact page ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.contact-option {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--gold);
  padding: 30px 26px;
  text-align: left;
  display: flex;
  flex-direction: column;
}
.contact-option .icon { font-size: 1.6rem; margin-bottom: 14px; }
.contact-option h3 { margin-bottom: 10px; }
.contact-option p { font-size: 0.92rem; color: #4A4E55; flex: 1; }
.contact-option .btn { margin-top: 20px; width: 100%; justify-content: center; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 24px; }
.form-grid .full { grid-column: 1 / -1; }
label { font-family: var(--font-head); font-weight: 600; font-size: 0.85rem; color: var(--navy); display: block; margin-bottom: 6px; }
input, select, textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.95rem;
  background: #fff;
  color: var(--charcoal);
}
textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 0.82rem; color: #8a8e94; margin-top: 14px; }

/* ---------- Floating book widget ---------- */
.float-book {
  position: fixed;
  left: 22px;
  bottom: 22px;
  z-index: 60;
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--navy-deep);
  color: #fff;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.88rem;
  padding: 14px 22px;
  border-radius: 999px;
  border: 2px solid var(--gold);
  text-decoration: none;
  box-shadow: 0 12px 30px rgba(0,0,0,0.35);
  transition: transform 0.15s ease, background 0.15s ease;
}
.float-book:hover { background: var(--navy); transform: translateY(-2px); }
.float-book .dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold-warm);
  animation: pulse 1.8s infinite;
}
@keyframes pulse {
  0% { opacity: 1; } 50% { opacity: 0.25; } 100% { opacity: 1; }
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #B9C6D3; padding: 64px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-grid img { height: 68px; margin-bottom: 14px; }
.footer-grid p { font-size: 0.88rem; color: #93A2B2; }
.footer-grid h4 { color: #fff; font-family: var(--font-head); font-size: 0.9rem; margin-bottom: 16px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { color: #B9C6D3; text-decoration: none; font-size: 0.9rem; }
.footer-grid a:hover { color: var(--gold-warm); }
.footer-legal { padding: 26px 0 30px; font-size: 0.78rem; color: #7E8D9C; line-height: 1.7; }
.footer-legal p { max-width: none; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  padding: 20px 0 28px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.8rem;
  color: #7E8D9C;
}
.footer-bottom a { color: #7E8D9C; margin-left: 16px; text-decoration: none; }
.footer-bottom a:hover { color: var(--gold-warm); }
.placeholder-flag { color: var(--gold-warm); }

/* ---------- Mobile ---------- */
@media (max-width: 900px) {
  .hero-grid, .two-col, .profile-grid { grid-template-columns: 1fr; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .process-list { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid, .article-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .brand img { height: 64px; }
  .header-row { min-height: 76px; }
  .header-phone span.label { display: none; }
  .form-grid { grid-template-columns: 1fr; }
  .service-grid { grid-template-columns: 1fr; }
  .process-list { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .float-book span.label { display: none; }
  .float-book { padding: 14px; }
}