/* ==========================================================================
   Mortgages by Aman Lamba — shared stylesheet
   ========================================================================== */

:root {
  --navy: #0b2545;
  --navy-dark: #071a33;
  --navy-light: #13396b;
  --gold: #c9a24b;
  --gold-light: #e3c887;
  --gray-50: #f7f8fa;
  --gray-100: #eef1f5;
  --gray-200: #dde2e8;
  --gray-500: #6b7685;
  --gray-700: #3b4453;
  --white: #ffffff;
  --radius: 10px;
  --shadow: 0 10px 30px rgba(11, 37, 69, 0.08);
  --shadow-lg: 0 20px 50px rgba(11, 37, 69, 0.15);
  --font: 'Segoe UI', -apple-system, BlinkMacSystemFont, 'Helvetica Neue', Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
}

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

a { color: inherit; text-decoration: none; }

ul { list-style: none; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 88px 0; }

.section-tag {
  display: inline-block;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-size: 13px;
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(28px, 4vw, 38px);
  color: var(--navy);
  font-weight: 700;
  margin-bottom: 16px;
}

.section-lead {
  color: var(--gray-500);
  font-size: 17px;
  max-width: 640px;
  margin-bottom: 48px;
}

.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: 999px;
  font-weight: 600;
  font-size: 15px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }

.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.6);
  color: var(--white);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-light); transform: translateY(-2px); }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-dark);
  color: var(--gray-200);
  font-size: 13.5px;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 10px;
  padding-bottom: 10px;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar .topbar-links { display: flex; gap: 24px; flex-wrap: wrap; }
.topbar a:hover { color: var(--gold-light); }

/* ---------- Header / Nav ---------- */
header.site-header {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(11,37,69,0.06);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
}
.logo {
  font-size: 20px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: 0.2px;
}
.logo span { color: var(--gold); }
.nav-links {
  display: flex;
  gap: 36px;
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
}
.nav-links a { padding: 6px 2px; border-bottom: 2px solid transparent; transition: border-color .2s; }
.nav-links a:hover, .nav-links a.active { border-color: var(--gold); }
.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-toggle { display: none; }

@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-toggle { display: block; background: none; border: none; font-size: 26px; color: var(--navy); cursor: pointer; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 20px 24px;
    gap: 18px;
    box-shadow: var(--shadow);
  }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy) 60%, var(--navy-light));
  color: var(--white);
  padding: 100px 0 120px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -120px;
  top: -80px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,162,75,0.25), transparent 70%);
}
.hero-inner { max-width: 640px; position: relative; z-index: 1; }
.hero-eyebrow {
  color: var(--gold-light);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-size: 13px;
  margin-bottom: 18px;
}
.hero h1 {
  font-size: clamp(34px, 5vw, 54px);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 22px;
}
.hero h1 em { color: var(--gold-light); font-style: normal; }
.hero p {
  font-size: 18px;
  color: rgba(255,255,255,0.85);
  margin-bottom: 34px;
  max-width: 540px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 72px;
  position: relative;
  z-index: 1;
}
.hero-stat { text-align: center; }
.hero-stat .num { font-size: 30px; font-weight: 800; color: var(--gold-light); }
.hero-stat .label { font-size: 13.5px; color: rgba(255,255,255,0.75); margin-top: 4px; }

@media (max-width: 760px) {
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
}

/* ---------- Page header (inner pages) ---------- */
.page-header {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-light));
  color: var(--white);
  padding: 64px 0;
  text-align: center;
}
.page-header h1 { font-size: clamp(30px, 4vw, 42px); font-weight: 800; margin-bottom: 10px; }
.page-header .crumbs { color: rgba(255,255,255,0.75); font-size: 14px; }
.page-header .crumbs a:hover { color: var(--gold-light); }

/* ---------- Calculator card ---------- */
.calc-section { background: var(--gray-50); }
.calc-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  max-width: 880px;
  margin: 0 auto;
}
.calc-tabs { display: flex; background: var(--navy); }
.calc-tab {
  flex: 1;
  text-align: center;
  padding: 18px 10px;
  color: rgba(255,255,255,0.65);
  font-weight: 600;
  font-size: 14.5px;
  cursor: pointer;
  border: none;
  background: none;
  transition: background .2s, color .2s;
}
.calc-tab.active { background: var(--gold); color: var(--navy-dark); }
.calc-body { padding: 40px; }

.calc-panel { display: none; grid-template-columns: 1fr 1fr; gap: 40px; }
.calc-panel.active { display: grid; }
@media (max-width: 720px) { .calc-panel.active { grid-template-columns: 1fr; padding: 0; } }

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.field input, .field select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 15px;
  color: var(--gray-700);
  background: var(--white);
}
.field input:focus, .field select:focus { outline: none; border-color: var(--gold); }

.calc-results {
  background: var(--navy-dark);
  border-radius: var(--radius);
  padding: 28px;
  color: var(--white);
  align-self: start;
}
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.calc-result-row:last-child { border-bottom: none; }
.calc-result-row .label { color: rgba(255,255,255,0.7); font-size: 14px; }
.calc-result-row .value { font-size: 22px; font-weight: 800; color: var(--gold-light); }

/* ---------- Services grid ---------- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
@media (max-width: 900px) { .services-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .services-grid { grid-template-columns: 1fr; } }

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px 26px;
  transition: transform .2s, box-shadow .2s;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: var(--navy);
  color: var(--gold-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px;
  margin-bottom: 18px;
}
.service-card h3 { color: var(--navy); font-size: 19px; margin-bottom: 10px; }
.service-card p { color: var(--gray-500); font-size: 15px; margin-bottom: 16px; }
.service-card .link { color: var(--navy); font-weight: 700; font-size: 14px; }
.service-card .link:hover { color: var(--gold); }

/* ---------- Service category block (services.html) ---------- */
.service-category { padding: 56px 0; border-top: 1px solid var(--gray-200); }
.service-category:first-of-type { border-top: none; }
.service-category h2 {
  color: var(--navy);
  font-size: 26px;
  margin-bottom: 8px;
}
.service-category .cat-lead { color: var(--gray-500); margin-bottom: 32px; max-width: 620px; }
.service-list {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 900px) { .service-list { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .service-list { grid-template-columns: 1fr; } }
.service-item {
  background: var(--gray-50);
  border-radius: var(--radius);
  padding: 24px;
  border-left: 4px solid var(--gold);
}
.service-item h4 { color: var(--navy); font-size: 16.5px; margin-bottom: 8px; }
.service-item p { color: var(--gray-500); font-size: 14.5px; }

/* ---------- Why choose us ---------- */
.why-section { background: var(--navy-dark); color: var(--white); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 800px) { .why-grid { grid-template-columns: 1fr; } }
.why-list li {
  display: flex;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 16px;
}
.why-list li:last-child { border-bottom: none; }
.why-list .check {
  color: var(--gold-light);
  font-weight: 800;
}
.why-photo {
  background: rgba(255,255,255,0.06);
  border: 1px dashed rgba(255,255,255,0.25);
  border-radius: var(--radius);
  aspect-ratio: 4/3;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5);
  font-size: 14px;
  text-align: center;
  padding: 24px;
}

/* ---------- Testimonials ---------- */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 900px) { .testi-grid { grid-template-columns: 1fr; } }
.testi-card {
  background: var(--gray-50);
  border-radius: var(--radius);
  padding: 30px 26px;
  border: 1px solid var(--gray-200);
}
.testi-card .quote { color: var(--gray-700); font-size: 15px; margin-bottom: 20px; }
.testi-card .stars { color: var(--gold); margin-bottom: 14px; letter-spacing: 2px; }
.testi-card .name { font-weight: 700; color: var(--navy); }
.testi-card .role { font-size: 13px; color: var(--gray-500); }

/* ---------- About page ---------- */
.about-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: center; }
@media (max-width: 800px) { .about-grid { grid-template-columns: 1fr; } }
.about-photo {
  background: var(--navy);
  border: 1px dashed rgba(255,255,255,0.3);
  border-radius: var(--radius);
  aspect-ratio: 4/5;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.55);
  font-size: 15px;
  text-align: center;
  padding: 24px;
}
.values-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 20px; }
@media (max-width: 600px) { .values-grid { grid-template-columns: 1fr; } }
.value-card {
  background: var(--gray-50);
  border-radius: var(--radius);
  padding: 22px;
}
.value-card h4 { color: var(--navy); margin-bottom: 6px; font-size: 16px; }
.value-card p { color: var(--gray-500); font-size: 14px; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--gray-200);
}
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 22px 4px;
  font-size: 16.5px;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
}
.faq-question .icon { color: var(--gold); font-size: 20px; transition: transform .2s; }
.faq-item.open .faq-question .icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .25s ease;
  color: var(--gray-500);
  font-size: 15px;
}
.faq-item.open .faq-answer { max-height: 240px; padding-bottom: 22px; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy), var(--navy-light));
  color: var(--white);
  border-radius: var(--radius);
  padding: 52px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.cta-band h3 { font-size: 26px; margin-bottom: 8px; }
.cta-band p { color: rgba(255,255,255,0.8); }

/* ---------- Contact page ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-info-card {
  background: var(--navy-dark);
  color: var(--white);
  border-radius: var(--radius);
  padding: 36px;
}
.contact-info-card h3 { margin-bottom: 20px; font-size: 20px; }
.contact-row { display: flex; gap: 14px; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.1); }
.contact-row:last-child { border-bottom: none; }
.contact-row .icon { color: var(--gold-light); font-size: 18px; width: 24px; }
.contact-row .label { font-size: 12.5px; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 1px; }
.contact-row .val { font-weight: 600; }

.contact-form .field input, .contact-form .field textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 15px;
  font-family: var(--font);
}
.contact-form .field textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: 13px; color: var(--gray-500); margin-top: 10px; }

.map-placeholder {
  background: var(--gray-100);
  border-radius: var(--radius);
  height: 260px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-500);
  font-size: 14px;
  margin-top: 24px;
  text-align: center;
  padding: 20px;
}

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 56px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-grid h4 { color: var(--white); margin-bottom: 16px; font-size: 15px; }
.footer-grid li { padding: 6px 0; font-size: 14.5px; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-logo { color: var(--white); font-weight: 800; font-size: 20px; margin-bottom: 14px; }
.footer-logo span { color: var(--gold); }
.footer-desc { font-size: 14px; line-height: 1.7; max-width: 320px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 13px;
}

/* ---------- Utility ---------- */
.mt-64 { margin-top: 64px; }
.disclaimer {
  font-size: 12.5px;
  color: var(--gray-500);
  margin-top: 10px;
}