/* =========================================================
   Modify My Loan — Site Stylesheet
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,500&family=Inter:wght@400;500;600;700;800&display=swap');

:root{
  --navy-900:#1b2338;
  --navy-800:#232c47;
  --navy-700:#28354f;
  --navy-600:#3a4664;
  --navy-500:#4b5a78;
  --blue-accent:#abd8eb;
  --blue-accent-dark:#7fb8d6;
  --blue-pale:#eaf4f9;
  --ink:#1f2a3d;
  --slate:#48526b;
  --slate-light:#71798c;
  --line:#e2e7f0;
  --paper:#ffffff;
  --bg:#f6f8fb;
  --amber:#c8973f;
  --amber-dark:#a97c2d;
  --success:#2f7a4f;
  --radius:14px;
  --radius-sm:8px;
  --shadow-sm:0 2px 10px rgba(27,35,56,0.06);
  --shadow-md:0 12px 32px rgba(27,35,56,0.12);
  --maxw:1180px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:'Playfair Display',Georgia,'Times New Roman',serif;
  color:var(--navy-800);
  line-height:1.22;
  margin:0 0 .5em;
  letter-spacing:.2px;
}
h1{font-size:clamp(2.1rem,4vw,3.1rem); font-weight:700;}
h2{font-size:clamp(1.5rem,2.6vw,2.15rem); font-weight:700;}
h3{font-size:1.3rem; font-weight:600;}
h4{font-size:1.05rem; font-weight:600;}
p{margin:0 0 1.1em; color:var(--slate);}
a{color:var(--navy-700); text-decoration:none;}
a:hover{color:var(--amber-dark);}
img{max-width:100%; display:block;}
ul,ol{color:var(--slate); padding-left:1.3em;}
li{margin-bottom:.5em;}
.container{max-width:var(--maxw); margin:0 auto; padding:0 24px;}
section{padding:64px 0;}
.section-tight{padding:40px 0;}
.text-center{text-align:center;}
.eyebrow{
  display:inline-block; text-transform:uppercase; letter-spacing:1.6px;
  font-size:.74rem; font-weight:700; color:var(--amber-dark);
  background:rgba(200,151,63,.12); padding:6px 14px; border-radius:999px;
  margin-bottom:16px;
}
.lede{font-size:1.15rem; color:var(--slate); max-width:760px;}
.center-col{margin-left:auto; margin-right:auto; text-align:center;}

/* Buttons */
.btn{
  display:inline-flex; align-items:center; gap:8px; justify-content:center;
  font-weight:700; font-size:.98rem; padding:14px 26px; border-radius:999px;
  cursor:pointer; border:2px solid transparent; transition:transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-1px);}
.btn-primary{background:var(--amber); color:#241a05;}
.btn-primary:hover{background:var(--amber-dark); color:#1a1203;}
.btn-light{background:var(--blue-accent); color:var(--navy-900);}
.btn-light:hover{background:#fff; color:var(--navy-900);}
.btn-outline{background:transparent; border-color:rgba(255,255,255,.55); color:#fff;}
.btn-outline:hover{background:rgba(255,255,255,.12); border-color:#fff; color:#fff;}
.btn-navy{background:var(--navy-700); color:#fff;}
.btn-navy:hover{background:var(--navy-800); color:#fff;}
.btn-sm{padding:9px 18px; font-size:.85rem;}
.btn-block{width:100%;}

/* ===== Header ===== */
.site-header{
  position:sticky; top:0; z-index:100;
  background:linear-gradient(120deg,var(--navy-700) 0%, var(--navy-500) 100%);
  box-shadow:0 2px 14px rgba(15,20,35,.18);
}
.header-inner{display:flex; align-items:center; justify-content:space-between; padding:14px 24px; gap:18px;}
.brand{display:flex; align-items:center; gap:10px; flex-shrink:0;}
.brand-logo{display:flex; align-items:center;}
.brand img{display:block; height:18px; width:auto;}
.brand-word{
  font-family:'Playfair Display',serif; color:var(--blue-accent);
  font-size:1.18rem; letter-spacing:1.2px; font-weight:600; white-space:nowrap;
}
.main-nav{display:flex; align-items:center; flex-wrap:wrap; gap:16px; row-gap:2px; justify-content:flex-end;}
.main-nav a{
  color:#dce8f2; font-weight:600; font-size:.9rem; letter-spacing:.2px; white-space:nowrap;
  padding:6px 2px; border-bottom:2px solid transparent;
}
.main-nav a:hover, .main-nav a.active{color:#fff; border-bottom-color:var(--amber);}
.header-cta{display:flex; align-items:center; gap:14px;}
.header-phone{color:#fff; font-weight:700; font-size:1.02rem; display:flex; align-items:center; gap:8px;}
.header-phone svg{flex-shrink:0;}
.nav-toggle{
  display:none; background:none; border:none; color:#fff; cursor:pointer; padding:6px;
}
.nav-toggle svg{width:26px; height:26px;}

@media (max-width:1240px){
  .main-nav{gap:13px;}
  .main-nav a{font-size:.86rem;}
  .brand img{height:16px;}
  .header-phone span.phone-label{display:none;}
}
@media (max-width:1000px){
  .site-header{overflow-x:clip;}
  .header-inner{position:relative; flex-wrap:nowrap;}
  .main-nav{
    position:absolute; top:100%; left:0; right:0; background:var(--navy-800);
    flex-direction:column; align-items:flex-start; padding:8px 24px 18px; gap:2px;
    display:none; box-shadow:0 12px 20px rgba(0,0,0,.2);
  }
  .main-nav.open{display:flex;}
  .main-nav a{width:100%; padding:12px 0; border-bottom:1px solid rgba(255,255,255,.08);}
  .nav-toggle{display:inline-flex; flex-shrink:0;}
  .brand img{height:21px;}
}
@media (max-width:620px){
  .brand img{height:16px;}
}
@media (max-width:560px){
  .header-inner{padding:12px 16px; gap:10px;}
  .header-phone{display:none;}
  .header-cta{gap:8px;}
  .btn.btn-primary.btn-sm{padding:9px 14px; font-size:.82rem;}
}
@media (max-width:480px){
  .brand img{height:26px;}
}
@media (max-width:360px){
  .btn.btn-primary.btn-sm{display:none;}
}

/* ===== Hero ===== */
.hero{
  background:linear-gradient(135deg,var(--navy-800) 0%, var(--navy-500) 100%);
  color:#fff; position:relative; overflow:hidden;
}
.hero::after{
  content:""; position:absolute; inset:0;
  background:radial-gradient(circle at 82% 18%, rgba(171,216,235,.16), transparent 45%);
  pointer-events:none;
}
.hero .container{position:relative; padding:88px 24px 76px;}
.hero h1{color:#fff; max-width:820px;}
.hero p.lede{color:#cfe0ec; font-size:1.2rem;}
.hero-actions{display:flex; gap:16px; flex-wrap:wrap; margin-top:30px;}
.hero-badges{display:flex; gap:26px; flex-wrap:wrap; margin-top:46px;}
.hero-badge{color:#cfe0ec; font-size:.85rem; display:flex; align-items:center; gap:8px;}
.hero-badge svg{flex-shrink:0;}
.hero-sm{padding:0;}
.hero-sm .container{padding:58px 24px 54px;}
.hero-sm h1{font-size:clamp(1.9rem,3.4vw,2.6rem);}
.breadcrumbs{font-size:.85rem; color:#bcd2e2; margin-bottom:18px;}
.breadcrumbs a{color:#bcd2e2; text-decoration:underline;}
.breadcrumbs a:hover{color:#fff;}

/* ===== Teaser / header blocks for homepage ===== */
.pillar{border-top:1px solid var(--line);}
.pillar:nth-child(even){background:var(--paper);}
.pillar-grid{display:grid; grid-template-columns:1fr; gap:38px; align-items:center;}
@media(min-width:760px){ .pillar-grid{grid-template-columns:1fr 1fr; gap:56px;} }
.pillar-flip .pillar-grid{direction:rtl;}
.pillar-flip .pillar-grid > *{direction:ltr;}
.pillar-num{font-family:'Playfair Display',serif; font-size:3.4rem; color:var(--blue-accent-dark); font-weight:700; opacity:.85;}
.pillar h2{margin-top:6px;}
.pillar-visual{
  background:linear-gradient(150deg,var(--navy-700),var(--navy-500));
  border-radius:var(--radius); padding:40px; color:#fff; min-height:220px;
  display:flex; flex-direction:column; justify-content:center; gap:14px;
  box-shadow:var(--shadow-md);
}
.pillar-visual .stat{font-family:'Playfair Display',serif; font-size:2.3rem; font-weight:700; color:var(--blue-accent);}
.pillar-visual .stat-label{font-size:.85rem; color:#cfe0ec;}
.pillar-visual hr{border:none; border-top:1px solid rgba(255,255,255,.15); margin:6px 0;}

/* ===== Cards / grids ===== */
.grid{display:grid; gap:26px;}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));}
.card{
  background:var(--paper); border:1px solid var(--line); border-radius:var(--radius);
  padding:28px; box-shadow:var(--shadow-sm);
}
.card h3{margin-bottom:.4em;}
.icon-badge{
  width:48px; height:48px; border-radius:12px; background:var(--blue-pale);
  display:flex; align-items:center; justify-content:center; margin-bottom:16px;
  color:var(--navy-700);
}
.icon-badge svg{width:24px; height:24px;}

/* ===== Stats ===== */
.stat-card{
  background:var(--paper); border:1px solid var(--line); border-radius:var(--radius);
  padding:30px 26px; text-align:center; box-shadow:var(--shadow-sm);
}
.stat-card .big{
  font-family:'Playfair Display',serif; font-weight:700; font-size:2.6rem;
  color:var(--navy-700); display:block;
}
.stat-card .cap{color:var(--slate-light); font-size:.88rem; margin-top:6px;}
.stat-source{font-size:.76rem; color:var(--slate-light); margin-top:4px;}
.bar-row{display:flex; align-items:center; gap:14px; margin-bottom:18px;}
.bar-label{width:190px; flex-shrink:0; font-size:.9rem; color:var(--slate); font-weight:600;}
.bar-track{flex:1; background:var(--blue-pale); border-radius:999px; height:16px; overflow:hidden;}
.bar-fill{height:100%; background:linear-gradient(90deg,var(--navy-600),var(--blue-accent-dark)); border-radius:999px;}
.bar-value{width:56px; text-align:right; font-weight:700; color:var(--navy-700); font-size:.92rem;}

/* ===== Timeline (history) ===== */
.timeline{position:relative; margin-left:10px; padding-left:34px; border-left:3px solid var(--line);}
.tl-item{position:relative; padding-bottom:38px;}
.tl-item:last-child{padding-bottom:0;}
.tl-item::before{
  content:""; position:absolute; left:-43px; top:4px; width:16px; height:16px; border-radius:50%;
  background:var(--amber); border:3px solid var(--paper); box-shadow:0 0 0 3px var(--navy-600);
}
.tl-year{font-family:'Playfair Display',serif; font-weight:700; color:var(--navy-700); font-size:1.25rem;}

/* ===== Article hub ===== */
.filter-bar{display:flex; flex-wrap:wrap; gap:10px; margin-bottom:36px;}
.filter-chip{
  border:1px solid var(--line); background:var(--paper); border-radius:999px; padding:8px 16px;
  font-size:.86rem; font-weight:600; color:var(--slate); cursor:pointer;
}
.filter-chip.active,.filter-chip:hover{background:var(--navy-700); color:#fff; border-color:var(--navy-700);}
.article-card{background:var(--paper); border:1px solid var(--line); border-radius:var(--radius); padding:24px; box-shadow:var(--shadow-sm); display:flex; flex-direction:column; height:100%;}
.article-cat{font-size:.72rem; font-weight:700; letter-spacing:1px; text-transform:uppercase; color:var(--amber-dark); margin-bottom:10px;}
.article-card h3{font-size:1.12rem; margin-bottom:.5em;}
.article-card p{font-size:.92rem; flex:1;}
.article-meta{font-size:.78rem; color:var(--slate-light); margin-top:10px;}
.read-link{font-weight:700; font-size:.88rem; margin-top:12px; display:inline-block;}
.article-count{color:var(--slate-light); margin-bottom:30px;}

/* ===== Article page (prose) ===== */
.article-layout{display:grid; grid-template-columns:1fr; gap:48px;}
@media(min-width:940px){ .article-layout{grid-template-columns:2.1fr 1fr;} }
.prose h2{margin-top:1.6em;}
.prose h3{margin-top:1.3em;}
.prose p, .prose li{color:var(--slate); font-size:1.04rem;}
.prose blockquote{
  margin:1.6em 0; padding:18px 22px; background:var(--blue-pale); border-left:4px solid var(--navy-600);
  border-radius:0 var(--radius-sm) var(--radius-sm) 0; font-style:italic; color:var(--navy-800);
}
.callout{
  background:var(--paper); border:1px solid var(--line); border-left:4px solid var(--amber);
  border-radius:var(--radius-sm); padding:20px 22px; margin:1.8em 0;
}
.callout h4{margin-bottom:.4em;}
.sidebar-box{background:var(--paper); border:1px solid var(--line); border-radius:var(--radius); padding:24px; margin-bottom:24px; box-shadow:var(--shadow-sm);}
.sidebar-box h4{margin-bottom:12px;}
.sidebar-box ul{padding-left:1.1em;}
.sidebar-cta{background:linear-gradient(150deg,var(--navy-700),var(--navy-500)); color:#fff; border-radius:var(--radius); padding:26px; margin-bottom:24px;}
.sidebar-cta h4{color:#fff;}
.sidebar-cta p{color:#cfe0ec; font-size:.92rem;}
.tag-list{display:flex; flex-wrap:wrap; gap:8px; margin-top:24px;}
.tag{background:var(--blue-pale); color:var(--navy-700); border-radius:999px; padding:5px 13px; font-size:.78rem; font-weight:600;}

/* ===== FAQ accordion ===== */
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{
  width:100%; text-align:left; background:none; border:none; cursor:pointer;
  padding:20px 0; font-weight:700; font-size:1.02rem; color:var(--navy-800);
  display:flex; justify-content:space-between; align-items:center; gap:16px;
  font-family:inherit;
}
.faq-q .plus{transition:transform .2s ease; flex-shrink:0; color:var(--amber-dark); font-size:1.4rem;}
.faq-item.open .faq-q .plus{transform:rotate(45deg);}
.faq-a{max-height:0; overflow:hidden; transition:max-height .25s ease;}
.faq-a p{padding-bottom:20px; margin:0;}

/* ===== CTA band ===== */
.cta-band{
  background:linear-gradient(120deg,var(--navy-800),var(--navy-600));
  color:#fff; border-radius:20px; padding:52px 44px; text-align:center;
}
.cta-band h2{color:#fff;}
.cta-band p{color:#cfe0ec; max-width:620px; margin-left:auto; margin-right:auto;}
.cta-band .hero-actions{justify-content:center;}

/* ===== Contact ===== */
.contact-grid{display:grid; grid-template-columns:1fr; gap:40px;}
@media(min-width:860px){ .contact-grid{grid-template-columns:1fr 1fr;} }
.contact-tile{display:flex; gap:16px; padding:22px; background:var(--paper); border:1px solid var(--line); border-radius:var(--radius); margin-bottom:16px;}
.contact-tile .icon-badge{margin-bottom:0; flex-shrink:0;}
label{display:block; font-weight:600; font-size:.88rem; margin:0 0 6px; color:var(--navy-800);}
input,textarea,select{
  width:100%; padding:12px 14px; border:1px solid var(--line); border-radius:var(--radius-sm);
  font-family:inherit; font-size:.96rem; margin-bottom:18px; background:#fff; color:var(--ink);
}
input:focus,textarea:focus,select:focus{outline:2px solid var(--blue-accent-dark); outline-offset:1px;}
.disclaimer-box{background:var(--blue-pale); border-radius:var(--radius); padding:20px 24px; font-size:.85rem; color:var(--slate);}

/* ===== Footer ===== */
.site-footer{background:var(--navy-900); color:#c3d1de; padding:64px 0 28px; margin-top:60px;}
.footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:36px;}
@media(max-width:820px){ .footer-grid{grid-template-columns:1fr 1fr;} }
@media(max-width:520px){ .footer-grid{grid-template-columns:1fr;} }
.footer-grid h4{color:#fff; font-size:.92rem; text-transform:uppercase; letter-spacing:1px; font-family:'Inter',sans-serif; font-weight:700; margin-bottom:16px;}
.footer-grid ul{list-style:none; padding:0; margin:0;}
.footer-grid li{margin-bottom:10px;}
.footer-grid a{color:#aebdcd; font-size:.92rem;}
.footer-grid li.footer-address{color:#aebdcd; font-size:.92rem; line-height:1.55;}
.footer-grid a:hover{color:var(--blue-accent);}
.footer-brand{display:flex; align-items:center; gap:10px; margin-bottom:14px;}
.footer-brand img{height:30px; width:auto;}
.footer-brand span{font-family:'Playfair Display',serif; color:var(--blue-accent); font-size:1.1rem;}
.footer-desc{font-size:.88rem; color:#9aa9ba; max-width:320px;}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1); margin-top:46px; padding-top:24px;
  display:flex; flex-wrap:wrap; gap:14px; justify-content:space-between; font-size:.8rem; color:#8493a6;
}
.footer-bottom a{color:#8493a6;}
.footer-legal-note{font-size:.76rem; color:#7d8ca0; max-width:900px; margin-top:18px; line-height:1.6;}

/* misc */
.divider{height:1px; background:var(--line); margin:48px 0;}
.badge-row{display:flex; flex-wrap:wrap; gap:12px;}
.mini-badge{font-size:.78rem; font-weight:700; color:var(--navy-700); background:var(--blue-pale); padding:6px 12px; border-radius:999px;}
.skip-link{position:absolute; left:-999px; top:auto;}
.skip-link:focus{left:12px; top:12px; background:#fff; padding:10px 16px; z-index:1000; border-radius:8px;}