/* Keith Sullivan Mortgage — brand palette
   Primary Deep Navy, Secondary Charcoal, Muted Gold accent, Warm White / Soft Gray backgrounds */

:root{
  --navy: #102A43;
  --navy-deep: #252A2E;
  --gold: #C99A3D;
  --gold-light: #d9b567;
  --steel: #4a6b8a;
  --cream: #F7F7F4;
  --cream-deep: #EDF1F3;
  --gray: #5a6472;
  --gray-light: #8993a1;
  --white: #ffffff;
  --ink: #171A1C;
  --success: #2e7d4f;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(16,42,67,0.14);
  --shadow-sm: 0 2px 10px rgba(16,42,67,0.09);
  --maxw: 1140px;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:inherit;}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
section{padding:88px 0;}
@media (max-width:768px){ section{padding:56px 0;} }

h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);margin:0 0 16px;line-height:1.2;}
h1{font-size:clamp(2.1rem,4vw,3.2rem);}
h2{font-size:clamp(1.7rem,3vw,2.4rem);}
h3{font-size:1.3rem;}
p{margin:0 0 16px;}
em{color:var(--gold);font-style:italic;}
.eyebrow{
  display:inline-block;
  text-transform:uppercase;
  letter-spacing:.12em;
  font-size:.78rem;
  font-weight:700;
  color:var(--gold);
  margin-bottom:14px;
}
.lede{font-size:1.15rem;color:var(--gray);max-width:640px;}
.center{text-align:center;margin-left:auto;margin-right:auto;}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 28px;border-radius:6px;font-weight:700;font-size:.98rem;
  text-decoration:none;cursor:pointer;border:2px solid transparent;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover{transform:translateY(-1px);}
.btn-gold{background:var(--gold);color:var(--navy-deep);}
.btn-gold:hover{background:var(--gold-light);box-shadow:var(--shadow-sm);}
.btn-outline{background:transparent;border-color:var(--white);color:var(--white);}
.btn-outline:hover{background:rgba(255,255,255,0.1);}
.btn-navy{background:var(--navy);color:var(--white);}
.btn-navy:hover{background:var(--navy-deep);}
.btn-block{width:100%;}
.btn-row{display:flex;gap:16px;flex-wrap:wrap;}

/* Header / nav */
header.site-header{
  position:sticky;top:0;z-index:50;
  background:var(--navy);
  border-bottom:1px solid rgba(255,255,255,0.08);
}
.nav-wrap{
  max-width:var(--maxw);margin:0 auto;padding:0 24px;
  display:flex;align-items:center;justify-content:space-between;
  height:76px;
}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--white);}
.brand-mark{
  width:38px;height:38px;border-radius:50%;
  background:linear-gradient(135deg,var(--gold),var(--gold-light));
  display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-weight:700;color:var(--navy-deep);font-size:1.1rem;
  flex-shrink:0;
}
.brand-text{line-height:1.15;}
.brand-name{font-family:var(--serif);font-weight:700;font-size:1.05rem;}
.brand-tag{font-size:.68rem;letter-spacing:.06em;color:var(--gold-light);text-transform:uppercase;}
nav.main-nav{display:flex;align-items:center;gap:28px;}
nav.main-nav a{
  color:rgba(255,255,255,0.85);text-decoration:none;font-size:.94rem;font-weight:600;
  padding:6px 0;border-bottom:2px solid transparent;
}
nav.main-nav a:hover{color:var(--white);border-color:var(--gold);}
.nav-cta{display:flex;align-items:center;gap:18px;}
.nav-toggle{display:none;background:none;border:none;color:var(--white);font-size:1.6rem;cursor:pointer;}
@media (max-width:920px){
  nav.main-nav{
    position:absolute;top:76px;left:0;right:0;background:var(--navy);
    flex-direction:column;align-items:flex-start;padding:8px 24px 20px;gap:4px;
    display:none;border-bottom:1px solid rgba(255,255,255,0.08);
  }
  nav.main-nav.open{display:flex;}
  nav.main-nav a{width:100%;padding:10px 0;border-bottom:1px solid rgba(255,255,255,0.06);}
  .nav-toggle{display:block;}
  .nav-cta .btn-gold{display:none;}
}

/* Hero */
.hero{
  background:
    radial-gradient(1200px 500px at 85% -10%, rgba(201,162,39,0.18), transparent 60%),
    linear-gradient(180deg,var(--navy) 0%,var(--navy-deep) 100%);
  color:var(--white);
  padding:96px 0 80px;
}
.hero .eyebrow{color:var(--gold-light);}
.hero h1{color:var(--white);}
.hero .lede{color:rgba(255,255,255,0.82);max-width:600px;}
.hero-stats{display:flex;gap:36px;margin-top:44px;flex-wrap:wrap;}
.hero-stat-num{font-family:var(--serif);font-size:1.9rem;color:var(--gold-light);font-weight:700;}
.hero-stat-label{font-size:.82rem;color:rgba(255,255,255,0.7);text-transform:uppercase;letter-spacing:.05em;}

.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center;}
.hero-photo-wrap{
  position:relative;border-radius:16px;overflow:hidden;
  box-shadow:0 20px 50px rgba(0,0,0,0.35);
  border:1px solid rgba(201,154,61,0.35);
}
.hero-photo-wrap::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg, rgba(16,42,67,0) 55%, rgba(16,42,67,0.55) 100%);
  pointer-events:none;
}
.hero-photo{width:100%;height:100%;object-fit:cover;display:block;aspect-ratio:5/4;}
@media (max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:36px;}
  .hero-photo-wrap{max-width:420px;margin:0 auto;order:-1;}
}

/* Cards / grids */
.grid{display:grid;gap:28px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media (max-width:920px){ .grid-2,.grid-3,.grid-4{grid-template-columns:1fr 1fr;} }
@media (max-width:640px){ .grid-2,.grid-3,.grid-4{grid-template-columns:1fr;} }

.card{
  background:var(--white);border-radius:var(--radius);padding:30px;
  box-shadow:var(--shadow-sm);border:1px solid rgba(11,31,58,0.06);
}
.card-icon{font-size:1.8rem;margin-bottom:14px;}
.card h3{margin-bottom:8px;}
.card p{color:var(--gray);margin-bottom:0;font-size:.96rem;}

.section-alt{background:var(--white);}
.section-navy{background:var(--navy);color:var(--white);}
.section-navy h2{color:var(--white);}
.section-navy .lede{color:rgba(255,255,255,0.78);}

/* Testimonials */
.testimonial{
  background:var(--white);border-radius:var(--radius);padding:28px;
  border-left:4px solid var(--gold);box-shadow:var(--shadow-sm);
}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:12px;}
.testimonial blockquote{margin:0 0 16px;font-style:italic;color:var(--ink);}
.testimonial-name{font-weight:700;color:var(--navy);}
.testimonial-role{font-size:.85rem;color:var(--gray);}
.google-badge{
  display:inline-flex;align-items:center;gap:6px;font-size:.78rem;color:var(--gray);
  margin-top:10px;
}

/* Forms */
.form-card{background:var(--white);border-radius:var(--radius);padding:36px;box-shadow:var(--shadow);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
@media (max-width:640px){ .form-row{grid-template-columns:1fr;} }
.field{margin-bottom:18px;}
.field label{display:block;font-weight:700;font-size:.88rem;color:var(--navy);margin-bottom:6px;}
.field .hint{font-weight:400;color:var(--gray-light);font-size:.8rem;}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{
  width:100%;padding:12px 14px;border:1.5px solid #d8d2c0;border-radius:6px;
  font-size:.98rem;font-family:var(--sans);background:var(--white);color:var(--ink);
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--steel);}
textarea{resize:vertical;min-height:100px;}
.file-drop{
  border:2px dashed var(--steel);border-radius:8px;padding:26px;text-align:center;
  background:var(--cream);cursor:pointer;transition:border-color .15s;
}
.file-drop:hover{border-color:var(--gold);}
.file-drop input[type=file]{display:none;}
.file-drop-label{font-weight:700;color:var(--navy);}
.file-drop-sub{font-size:.85rem;color:var(--gray);margin-top:4px;}
#file-name-va, #file-name-brm{font-size:.85rem;color:var(--success);margin-top:10px;font-weight:600;}
.consent{font-size:.82rem;color:var(--gray);}

/* Blog */
.blog-filter{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:36px;}
.chip{
  padding:8px 16px;border-radius:20px;background:var(--white);border:1.5px solid #ddd6c2;
  font-size:.86rem;font-weight:600;color:var(--navy);cursor:pointer;text-decoration:none;
}
.chip.active,.chip:hover{background:var(--navy);color:var(--white);border-color:var(--navy);}
.article-card{
  background:var(--white);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);
  text-decoration:none;display:block;border:1px solid rgba(11,31,58,0.06);
  transition:transform .15s, box-shadow .15s;
}
.article-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);}
.badge{display:inline-block;font-size:.75rem;font-weight:700;color:var(--steel);margin-bottom:10px;}
.article-card h3{font-size:1.08rem;margin-bottom:8px;color:var(--navy);}
.meta-row{font-size:.8rem;color:var(--gray-light);margin-top:12px;}

/* Article page */
.article-hero{background:var(--navy);color:var(--white);padding:56px 0 40px;}
.article-hero .meta-row{color:rgba(255,255,255,0.6);}
.article-body{max-width:760px;margin:0 auto;padding:56px 24px;}
.article-body h2{margin-top:36px;}
.callout{
  background:var(--cream-deep);border-left:4px solid var(--gold);border-radius:8px;
  padding:20px 24px;margin:28px 0;
}
.callout .callout-label{
  text-transform:uppercase;letter-spacing:.08em;font-size:.75rem;font-weight:700;color:var(--gold);
  display:block;margin-bottom:6px;
}
table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.92rem;}
table th,table td{padding:10px 14px;border:1px solid #e3ddc9;text-align:left;}
table th{background:var(--navy);color:var(--white);}
table tr:nth-child(even){background:var(--cream-deep);}
.faq-item{border-bottom:1px solid #e3ddc9;padding:16px 0;}
.faq-q{font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:12px;}
.faq-a{color:var(--gray);margin-top:10px;display:none;}
.faq-item.open .faq-a{display:block;}
.faq-item.open .faq-q .chev{transform:rotate(180deg);}
.chev{transition:transform .15s;flex-shrink:0;}
.article-cta{
  margin-top:40px;background:var(--navy);color:var(--white);border-radius:var(--radius);
  padding:30px;text-align:center;
}
.article-cta p{color:rgba(255,255,255,0.85);}
.inline-cta{
  display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;
  background:var(--cream-deep);border:1px solid #e3ddc9;border-radius:8px;
  padding:18px 22px;margin:32px 0;
}
.inline-cta p{margin:0;font-weight:700;color:var(--navy);font-size:.95rem;}
.inline-cta .btn{flex-shrink:0;}

/* Calculator */
.calc-result{background:var(--cream-deep);border-radius:8px;padding:22px;margin-top:20px;}
.calc-result-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid #e3ddc9;}
.calc-result-row:last-child{border-bottom:none;font-weight:700;color:var(--navy);}

/* Footer */
footer.site-footer{background:var(--navy-deep);color:rgba(255,255,255,0.75);padding:56px 0 28px;font-size:.9rem;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:36px;}
@media (max-width:768px){ .footer-grid{grid-template-columns:1fr;gap:28px;} }
.footer-grid h4{color:var(--gold-light);font-family:var(--sans);font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;}
.footer-grid a{display:block;color:rgba(255,255,255,0.72);text-decoration:none;margin-bottom:8px;}
.footer-grid a:hover{color:var(--gold-light);}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:24px;font-size:.8rem;color:rgba(255,255,255,0.5);}
.footer-disclaimer{max-width:820px;margin-bottom:14px;}

/* Sticky mobile CTA */
.sticky-cta{
  position:fixed;bottom:0;left:0;right:0;z-index:40;background:var(--navy);
  padding:12px 20px;display:none;box-shadow:0 -4px 16px rgba(0,0,0,0.2);
}
@media (max-width:768px){ .sticky-cta{display:block;} body{padding-bottom:64px;} }

.badge-pill{
  display:inline-flex;align-items:center;gap:6px;background:var(--cream-deep);color:var(--navy);
  padding:6px 14px;border-radius:20px;font-size:.82rem;font-weight:700;margin-bottom:16px;
}
.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;}
@media (max-width:920px){ .two-col{grid-template-columns:1fr;} }
ul.check-list{list-style:none;padding:0;margin:0;}
ul.check-list li{padding:8px 0 8px 30px;position:relative;color:var(--ink);}
ul.check-list li::before{content:"✓";position:absolute;left:0;top:8px;color:var(--gold);font-weight:700;background:var(--navy);width:20px;height:20px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.7rem;}
/* On dark (navy) backgrounds, flip both the label and the checkmark chip so they stay visible */
.section-navy .check-list li,
.on-dark .check-list li{color:#fff;}
.section-navy .check-list li::before,
.on-dark .check-list li::before{background:var(--gold);color:var(--navy);}

/* Testimonial marquee */
.testimonial-marquee{
  overflow:hidden;position:relative;margin-top:44px;
  -webkit-mask-image:linear-gradient(to right, transparent, black 6%, black 94%, transparent);
  mask-image:linear-gradient(to right, transparent, black 6%, black 94%, transparent);
}
.testimonial-track{display:flex;gap:24px;width:max-content;animation:testimonial-scroll 46s linear infinite;}
.testimonial-marquee:hover .testimonial-track{animation-play-state:paused;}
.testimonial-track .testimonial{width:340px;flex:0 0 340px;}
@keyframes testimonial-scroll{
  from{transform:translateX(0);}
  to{transform:translateX(-50%);}
}
@media (prefers-reduced-motion: reduce){
  .testimonial-track{animation:none;overflow-x:auto;}
}