/* ============================================
   NextStride Mortgage — Shared Stylesheet
   ============================================ */

:root {
  --navy:    #1a3a5c;
  --navy-dark: #0f2540;
  --teal:    #2a8fa3;
  --teal-light: #3db5cc;
  --gold:    #e8a020;
  --gold-light: #f5b83a;
  --white:   #ffffff;
  --off-white: #f7f9fc;
  --gray-100: #eef2f7;
  --gray-200: #d8e0eb;
  --gray-500: #6b7a90;
  --gray-700: #3d4f63;
  --text:    #1e2d3d;
  --radius:  8px;
  --shadow:  0 2px 16px rgba(26,58,92,0.10);
  --shadow-lg: 0 8px 40px rgba(26,58,92,0.15);
  --font-sans: 'Inter', 'Segoe UI', system-ui, sans-serif;
  --font-heading: 'Merriweather', Georgia, serif;
  --transition: 0.2s ease;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-sans); color: var(--text); background: var(--white); line-height: 1.65; }
img { max-width: 100%; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { color: var(--teal-light); }
ul { list-style: none; }

/* ---- Typography ---- */
h1,h2,h3,h4 { font-family: var(--font-heading); font-weight: 700; line-height: 1.25; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); }
h3 { font-size: 1.25rem; }
p  { color: var(--gray-700); }

/* ---- Layout ---- */
.container { max-width: 1160px; margin: 0 auto; padding: 0 1.5rem; }
.section    { padding: 80px 0; }
.section--alt { background: var(--off-white); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .75rem 1.75rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  border: none;
  text-decoration: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(232,160,32,.35);
  color: var(--navy-dark);
}
.btn-outline {
  background: transparent;
  border: 2px solid var(--white);
  color: var(--white);
}
.btn-outline:hover {
  background: rgba(255,255,255,.12);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(26,58,92,.3);
  color: var(--white);
}

/* ---- Top Bar ---- */
.topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.8);
  font-size: .82rem;
  padding: .45rem 0;
}
.topbar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: .5rem;
}
.topbar a { color: rgba(255,255,255,.85); }
.topbar a:hover { color: var(--gold); }

/* ---- Nav ---- */
.nav {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 0 var(--gray-200);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
}
.nav__logo-mark {
  width: 42px;
  height: 42px;
  background: var(--navy);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
  letter-spacing: -.5px;
  flex-shrink: 0;
}
.nav__logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.nav__logo-name { font-family: var(--font-heading); font-weight: 700; font-size: 1.05rem; color: var(--navy); }
.nav__logo-sub  { font-size: .72rem; color: var(--gray-500); letter-spacing: .5px; text-transform: uppercase; }
.nav__links {
  display: flex;
  align-items: center;
  gap: .25rem;
}
.nav__links a {
  padding: .5rem .85rem;
  border-radius: var(--radius);
  font-size: .9rem;
  font-weight: 500;
  color: var(--gray-700);
  transition: background var(--transition), color var(--transition);
}
.nav__links a:hover, .nav__links a.active {
  background: var(--gray-100);
  color: var(--navy);
}
.nav__cta { margin-left: .75rem; }
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: .5rem;
}
.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: var(--transition);
}

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1d5578 100%);
  color: var(--white);
  padding: 100px 0 90px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(42,143,163,.25) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -50px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(232,160,32,.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.hero__eyebrow {
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: .75rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero__sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,.8);
  margin-bottom: 2rem;
  max-width: 480px;
}
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero__stats {
  display: flex;
  gap: 2rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,.15);
}
.hero__stat-num { font-family: var(--font-heading); font-size: 1.75rem; font-weight: 700; color: var(--gold); }
.hero__stat-label { font-size: .8rem; color: rgba(255,255,255,.65); margin-top: .2rem; }
.hero__card-wrap {
  display: grid;
  gap: 1rem;
}
.hero__card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 14px;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  backdrop-filter: blur(6px);
  transition: background var(--transition);
  text-decoration: none;
  color: inherit;
}
.hero__card:hover { background: rgba(255,255,255,.14); color: var(--white); }
.hero__card-icon {
  width: 44px; height: 44px;
  background: var(--gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.2rem;
}
.hero__card-title { font-weight: 600; font-size: .95rem; color: var(--white); margin-bottom: .15rem; }
.hero__card-sub   { font-size: .8rem; color: rgba(255,255,255,.6); }

/* ---- Section header ---- */
.section-header { text-align: center; margin-bottom: 3rem; }
.section-header__eyebrow {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: .6rem;
}
.section-header p { color: var(--gray-500); max-width: 560px; margin: .75rem auto 0; font-size: 1.05rem; }

/* ---- Loan cards ---- */
.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}
.loan-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 1.75rem;
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
}
.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.loan-card__icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1rem;
}
.loan-card__tag {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: .4rem;
}
.loan-card h3 { margin-bottom: .6rem; }
.loan-card p  { font-size: .9rem; flex: 1; margin-bottom: 1.25rem; }
.loan-card a  { margin-top: auto; }

/* ---- Calc ---- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.calc-tabs {
  display: flex;
  gap: .5rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.calc-tab {
  padding: .45rem 1rem;
  border-radius: 50px;
  font-size: .85rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid var(--gray-200);
  background: var(--white);
  color: var(--gray-700);
  transition: var(--transition);
}
.calc-tab.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.calc-form { display: flex; flex-direction: column; gap: 1.1rem; }
.calc-field label { display: block; font-size: .82rem; font-weight: 600; color: var(--navy); margin-bottom: .4rem; text-transform: uppercase; letter-spacing: .5px; }
.calc-field input, .calc-field select {
  width: 100%;
  padding: .7rem 1rem;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: .95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
}
.calc-field input:focus, .calc-field select:focus {
  outline: none;
  border-color: var(--teal);
}
.calc-result {
  background: var(--navy);
  color: var(--white);
  border-radius: 18px;
  padding: 2.5rem 2rem;
  position: sticky;
  top: 90px;
}
.calc-result__label { font-size: .82rem; text-transform: uppercase; letter-spacing: 1.5px; color: rgba(255,255,255,.6); margin-bottom: .5rem; }
.calc-result__amount { font-family: var(--font-heading); font-size: 3rem; font-weight: 700; color: var(--gold); line-height: 1; margin-bottom: .25rem; }
.calc-result__sub { font-size: .82rem; color: rgba(255,255,255,.5); margin-bottom: 1.5rem; }
.calc-result__breakdown { display: flex; flex-direction: column; gap: .6rem; }
.calc-result__row { display: flex; justify-content: space-between; font-size: .88rem; padding-bottom: .6rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.calc-result__row:last-child { border-bottom: none; }
.calc-result__row span:last-child { font-weight: 600; color: var(--white); }

/* ---- Steps ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
}
.step {
  text-align: center;
  padding: 1.5rem;
}
.step__num {
  width: 52px; height: 52px;
  background: var(--teal);
  color: var(--white);
  border-radius: 50%;
  font-family: var(--font-heading);
  font-size: 1.3rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
}
.step h3 { margin-bottom: .5rem; }
.step p { font-size: .9rem; }

/* ---- Blog ---- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.75rem;
}
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-card__img {
  height: 180px;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
}
.blog-card__body { padding: 1.5rem; }
.blog-card__date { font-size: .78rem; color: var(--gray-500); margin-bottom: .5rem; }
.blog-card h3 { font-size: 1.05rem; margin-bottom: .6rem; }
.blog-card p { font-size: .88rem; margin-bottom: 1rem; }
.blog-card a.read-more { font-size: .85rem; font-weight: 600; color: var(--teal); }
.blog-card a.read-more:hover { color: var(--navy); }

/* ---- CTA Band ---- */
.cta-band {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy) 100%);
  color: var(--white);
  text-align: center;
  padding: 80px 0;
}
.cta-band h2 { color: var(--white); margin-bottom: 1rem; }
.cta-band p { color: rgba(255,255,255,.8); max-width: 540px; margin: 0 auto 2rem; font-size: 1.05rem; }
.cta-band__actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ---- Footer ---- */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
  padding: 60px 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem;
  padding-bottom: 3rem;
}
.footer__logo-mark {
  width: 44px; height: 44px;
  background: var(--gold);
  color: var(--navy-dark);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}
.footer__brand p { font-size: .88rem; max-width: 280px; margin-bottom: 1.25rem; }
.footer h4 { color: var(--white); font-family: var(--font-sans); font-size: .85rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 1rem; }
.footer ul { display: flex; flex-direction: column; gap: .6rem; }
.footer ul li a { font-size: .88rem; color: rgba(255,255,255,.6); transition: color var(--transition); }
.footer ul li a:hover { color: var(--gold); }
.footer__contact li { font-size: .88rem; display: flex; gap: .6rem; align-items: flex-start; }
.footer__contact li span:first-child { color: var(--gold); margin-top: .1rem; flex-shrink: 0; }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.5rem 0;
  font-size: .78rem;
  text-align: center;
  color: rgba(255,255,255,.4);
  line-height: 1.7;
}
.footer__bottom a { color: rgba(255,255,255,.5); }
.footer__bottom a:hover { color: var(--white); }

/* ---- Loan table ---- */
.loan-table-wrap { overflow-x: auto; }
.loan-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .92rem;
}
.loan-table th {
  background: var(--navy);
  color: var(--white);
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: .82rem;
  letter-spacing: .5px;
  text-transform: uppercase;
}
.loan-table td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--gray-200);
  vertical-align: top;
}
.loan-table tr:hover td { background: var(--off-white); }
.loan-table td:first-child { font-weight: 600; color: var(--navy); }
.badge {
  display: inline-block;
  padding: .2rem .65rem;
  border-radius: 50px;
  font-size: .74rem;
  font-weight: 600;
  letter-spacing: .3px;
}
.badge--green { background: #d4f0e0; color: #1a7a45; }
.badge--blue  { background: #d4e8f8; color: #1a56a0; }
.badge--gray  { background: var(--gray-100); color: var(--gray-500); }

/* ---- Contact form ---- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 4rem;
  align-items: start;
}
.contact-info { display: flex; flex-direction: column; gap: 1.75rem; }
.contact-item { display: flex; gap: 1rem; align-items: flex-start; }
.contact-item__icon {
  width: 44px; height: 44px;
  background: var(--teal);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  color: var(--white);
}
.contact-item h4 { font-size: .85rem; color: var(--gray-500); font-family: var(--font-sans); margin-bottom: .2rem; }
.contact-item p  { font-size: .95rem; font-weight: 500; color: var(--navy); }
.contact-form {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 18px;
  padding: 2.5rem;
  box-shadow: var(--shadow);
}
.contact-form h3 { margin-bottom: 1.75rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-field { margin-bottom: 1.25rem; }
.form-field label { display: block; font-size: .82rem; font-weight: 600; color: var(--navy); margin-bottom: .4rem; text-transform: uppercase; letter-spacing: .5px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%;
  padding: .75rem 1rem;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: .95rem;
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--teal);
}
.form-field textarea { resize: vertical; min-height: 110px; }
.form-disclaimer { font-size: .75rem; color: var(--gray-500); margin-top: 1rem; line-height: 1.5; }

/* ---- About ---- */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.about-visual {
  background: linear-gradient(135deg, var(--navy), var(--teal));
  border-radius: 20px;
  padding: 3rem 2.5rem;
  color: var(--white);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
.about-stat { text-align: center; }
.about-stat__num { font-family: var(--font-heading); font-size: 2.2rem; color: var(--gold); }
.about-stat__label { font-size: .8rem; color: rgba(255,255,255,.7); margin-top: .3rem; }
.about-content p { margin-bottom: 1.1rem; }
.about-values { display: flex; flex-direction: column; gap: 1rem; margin-top: 1.5rem; }
.about-value { display: flex; gap: .85rem; align-items: flex-start; }
.about-value__icon { color: var(--teal); font-size: 1.2rem; margin-top: .15rem; flex-shrink: 0; }
.about-value h4 { font-size: .95rem; color: var(--navy); margin-bottom: .25rem; }
.about-value p { font-size: .88rem; }

/* ---- Page hero (inner pages) ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: var(--white);
  padding: 70px 0;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: .75rem; }
.page-hero p  { color: rgba(255,255,255,.75); max-width: 560px; margin: 0 auto; font-size: 1.05rem; }

/* ---- Utility ---- */
.text-center { text-align: center; }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mb-3 { margin-bottom: 1.5rem; }

/* ---- Responsive ---- */
@media (max-width: 900px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__card-wrap { grid-template-columns: 1fr 1fr; }
  .calc-wrap { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .nav__links, .nav__cta { display: none; }
  .nav__hamburger { display: flex; }
  .nav__links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 70px; left: 0; right: 0;
    background: var(--white);
    border-top: 1px solid var(--gray-200);
    padding: 1rem;
    gap: .25rem;
    box-shadow: 0 10px 30px rgba(0,0,0,.1);
  }
  .hero { padding: 60px 0; }
  .hero__card-wrap { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .calc-result { position: static; }
  .footer__grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; }
  .hero__stats { flex-wrap: wrap; gap: 1.25rem; }
}

/* ---- Google Fonts loader (inline alternative) ---- */
@import url('https://fonts.googleapis.com/css2?family=Merriweather:wght@700&family=Inter:wght@400;500;600;700&display=swap');