/* The Mortgage Caddy: Zach Clor */
:root {
  --green-900: #0f2e24;
  --green-800: #163d30;
  --green-700: #1f5040;
  --green-500: #3f7d5f;
  --green-100: #e6efe9;
  --cream: #f7f4ec;
  --sand: #ece4d0;
  --gold: #c9a227;
  --gold-dark: #a8861b;
  --ink: #1d2622;
  --muted: #5d6b64;
  --line: #dcd6c6;
  --white: #fff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 46, 36, .10);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--cream); line-height: 1.6; font-size: 17px; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--green-700); }
h1, h2, h3, h4 { font-family: var(--serif); line-height: 1.15; margin: 0 0 .5em; color: var(--green-900); font-weight: 600; }
h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
.wrap { width: min(1160px, 100% - 32px); margin-inline: auto; }
.narrow { width: min(780px, 100% - 32px); }
.center { text-align: center; }
.muted { color: var(--muted); }
.skip { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--green-900); padding: 8px 14px; z-index: 100; border-radius: 6px; }
.skip:focus { left: 8px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .4em; padding: .85em 1.5em; border-radius: 999px; font-weight: 600; font-size: .98rem; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: transform .15s, background .15s, color .15s, border-color .15s; font-family: var(--sans); }
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--green-900); }
.btn-gold:hover { background: #d8b23a; }
.btn-ghost { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.1); border-color: #fff; }
.btn-outline { border-color: var(--green-700); color: var(--green-700); }
.btn-outline:hover { background: var(--green-700); color: #fff; }
.btn-sm { padding: .55em 1.1em; font-size: .9rem; }
.btn-block { width: 100%; }
.text-link { font-weight: 600; text-decoration: none; }
.text-link:hover { text-decoration: underline; }

/* Top bar & header */
.topbar { background: var(--green-900); color: #cfdcd4; font-size: .82rem; }
.topbar-inner { display: flex; justify-content: space-between; gap: 12px; padding: 7px 0; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar .dot { margin: 0 8px; opacity: .5; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(247, 244, 236, .95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-text strong { white-space: nowrap; font-family: var(--serif); font-size: 1.2rem; color: var(--green-900); font-weight: 600; }
.brand-text small { font-size: .78rem; color: var(--muted); letter-spacing: .02em; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { white-space: nowrap; }
.nav a:not(.btn) { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .95rem; }
.nav a:not(.btn):hover { color: var(--green-500); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--green-900); margin: 5px 0; transition: transform .2s, opacity .2s; }

/* Hero */
.hero { position: relative; background: var(--green-900); color: #e9f0eb; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background:
  radial-gradient(ellipse 80% 60% at 85% 110%, rgba(63,125,95,.55), transparent 60%),
  repeating-linear-gradient(115deg, rgba(255,255,255,.025) 0 60px, transparent 60px 120px),
  linear-gradient(160deg, #163d30, #0f2e24 70%); }
.hero-inner { position: relative; display: grid; grid-template-columns: 1.25fr .85fr; gap: 56px; align-items: center; padding: 84px 0 96px; }
.hero h1 { color: #fff; }
.hero h1 em { color: var(--gold); font-style: italic; }
.eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 700; color: var(--green-500); margin-bottom: .8em; }
.hero .eyebrow { color: var(--gold); }
.lead { font-size: 1.15rem; color: #cfdcd4; max-width: 38em; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 36px; }
.trust { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 28px; border-top: 1px solid rgba(255,255,255,.15); padding-top: 22px; }
.trust li { font-size: .9rem; color: #b9cabf; display: flex; flex-direction: column; }
.trust strong { font-family: var(--serif); font-size: 1.35rem; color: #fff; font-weight: 600; }
.hero-card { margin: 0; background: var(--cream); border-radius: 20px; padding: 14px; box-shadow: 0 30px 60px rgba(0,0,0,.35); transform: rotate(1.5deg); max-width: 400px; justify-self: end; }
.hero-card img { border-radius: 12px; aspect-ratio: 1; object-fit: cover; width: 100%; background: var(--sand); }
.hero-card figcaption { padding: 14px 6px 4px; display: flex; flex-direction: column; color: var(--ink); font-size: .9rem; }
.hero-card figcaption strong { font-family: var(--serif); font-size: 1.3rem; color: var(--green-900); }

/* Sections */
.section { padding: 96px 0; }
.section-head { margin-bottom: 44px; max-width: 720px; }
.section-head.center { margin-inline: auto; }
.section-lead { color: var(--muted); font-size: 1.08rem; }
.section-head.light h2 { color: #fff; }
.section-head.light .section-lead { color: #cfdcd4; }
.section-head.light .eyebrow { color: var(--gold); }

/* Paths */
.paths { padding-top: 72px; padding-bottom: 72px; }
.path-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.path-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; text-decoration: none; color: var(--ink); display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s, border-color .2s; }
.path-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--green-500); }
.path-icon { font-size: 1.8rem; width: 54px; height: 54px; display: grid; place-items: center; background: var(--green-100); border-radius: 50%; margin-bottom: 16px; }
.path-card p { color: var(--muted); font-size: .95rem; flex: 1; }
.arrow { color: var(--green-700); font-weight: 600; font-size: .92rem; }

/* Programs */
.programs { background: var(--white); border-block: 1px solid var(--line); }
.program-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.program { position: relative; background: var(--cream); border-radius: var(--radius); padding: 28px 24px 24px; border: 1px solid var(--line); }
.program p { color: var(--muted); font-size: .95rem; margin: 0; }
.club { display: inline-block; font-size: .7rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--green-700); background: var(--green-100); padding: 4px 10px; border-radius: 999px; margin-bottom: 14px; }
.program.featured { background: var(--green-800); border-color: var(--green-800); }
.program.featured h3 { color: #fff; }
.program.featured p { color: #cfdcd4; }
.program.featured .club { background: var(--gold); color: var(--green-900); }
.program.cta-card { background: var(--sand); border-style: dashed; border-color: var(--gold-dark); display: flex; flex-direction: column; }
.program.cta-card p { margin-bottom: 18px; flex: 1; color: var(--ink); }

/* Process */
.process { background: var(--green-900); color: #e9f0eb; position: relative; overflow: hidden; }
.process::before { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(90deg, rgba(255,255,255,.02) 0 80px, transparent 80px 160px); }
.process .wrap { position: relative; }
.holes { list-style: none; padding: 0; margin: 0 0 48px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: hole; }
.holes li { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 26px 24px; position: relative; }
.holes li::after { content: ""; position: absolute; top: 22px; right: 22px; width: 18px; height: 26px; background:
  linear-gradient(var(--gold), var(--gold)) 0 0 / 2px 100% no-repeat,
  linear-gradient(135deg, var(--gold) 50%, transparent 50%) 2px 0 / 14px 10px no-repeat; opacity: .8; }
.hole-no { font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); font-weight: 700; }
.holes h3 { color: #fff; margin-top: 8px; }
.holes p { color: #b9cabf; font-size: .95rem; margin: 0; }

/* Calculator */
.calc-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 32px; align-items: start; }
.calc-form, .contact-form { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; display: grid; gap: 18px; }
label { display: grid; gap: 6px; font-weight: 600; font-size: .9rem; color: var(--green-900); }
label small { font-weight: 400; font-size: .8rem; }
input, select, textarea { font: inherit; font-weight: 400; color: var(--ink); width: 100%; padding: .7em .85em; border: 1px solid var(--line); border-radius: 10px; background: var(--cream); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--green-500); box-shadow: 0 0 0 3px rgba(63,125,95,.18); background: #fff; }
.input-wrap { display: flex; align-items: center; border: 1px solid var(--line); border-radius: 10px; background: var(--cream); overflow: hidden; }
.input-wrap:focus-within { border-color: var(--green-500); box-shadow: 0 0 0 3px rgba(63,125,95,.18); background: #fff; }
.input-wrap input { border: 0; background: transparent; box-shadow: none !important; }
.input-wrap > span { padding: 0 12px; color: var(--muted); font-weight: 500; }
.input-row { display: flex; align-items: center; gap: 14px; }
.input-row .input-wrap { flex: 0 0 140px; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.scorecard { background: var(--green-900); color: #e9f0eb; border-radius: var(--radius); padding: 32px; position: sticky; top: 96px; box-shadow: var(--shadow); }
.scorecard-label { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; color: var(--gold); font-weight: 700; margin: 0; }
.scorecard-total { font-family: var(--serif); font-size: clamp(2.6rem, 5vw, 3.4rem); color: #fff; margin: 4px 0 18px; font-weight: 600; }
.bar { display: flex; height: 12px; border-radius: 99px; overflow: hidden; background: rgba(255,255,255,.1); margin-bottom: 18px; }
.seg { display: block; height: 100%; transition: width .3s; }
.seg-pi, .key-pi { background: var(--gold); }
.seg-tax, .key-tax { background: #7fb79a; }
.seg-ins, .key-ins { background: #c8d8ce; }
.seg-pmi, .key-pmi { background: #e08e5b; }
.seg-hoa, .key-hoa { background: #9aa8c9; }
.breakdown { width: 100%; border-collapse: collapse; margin-bottom: 22px; font-size: .95rem; }
.breakdown th, .breakdown td { padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.breakdown th { text-align: left; font-weight: 400; color: #cfdcd4; }
.breakdown td { text-align: right; font-weight: 600; color: #fff; font-variant-numeric: tabular-nums; }
.breakdown .loan-row th, .breakdown .loan-row td { border-bottom: 0; color: #9fb3a7; font-weight: 400; }
.key { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 10px; }
.fine { font-size: .76rem; color: var(--muted); margin: 14px 0 0; line-height: 1.5; }
.scorecard .fine { color: #9fb3a7; }

/* Veterans */
.veterans { background: linear-gradient(120deg, var(--sand), #f3ecda); border-block: 1px solid var(--line); padding: 64px 0; }
.vets-inner { display: grid; grid-template-columns: 1.3fr 1fr auto; gap: 40px; align-items: center; }
.vets-inner h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
.vets-inner p { color: var(--muted); margin: 0; }
.vets-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.vets-list li { padding-left: 30px; position: relative; font-weight: 500; }
.vets-list li::before { content: "★"; position: absolute; left: 0; color: var(--gold-dark); }

/* About */
.about-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: center; }
.about-photo { position: relative; }
.about-photo img { border-radius: 20px; aspect-ratio: 4/5; object-fit: cover; width: 100%; background: var(--sand); box-shadow: var(--shadow); }
.stamp { position: absolute; bottom: -18px; right: -18px; width: 108px; height: 108px; border-radius: 50%; background: var(--gold); color: var(--green-900); display: grid; place-content: center; text-align: center; box-shadow: var(--shadow); border: 4px solid var(--cream); line-height: 1.1; }
.stamp strong { font-family: var(--serif); font-size: 1.2rem; }
.stamp span { font-size: .78rem; font-weight: 600; }
.about-facts { list-style: none; padding: 0; margin: 24px 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.about-facts li { background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: 10px 14px; font-weight: 500; font-size: .95rem; }
.about-facts span { margin-right: 8px; }

/* Reviews */
.reviews { background: var(--white); border-block: 1px solid var(--line); }
.rating { color: var(--muted); }
.stars { color: var(--gold); letter-spacing: 2px; font-size: 1.2rem; }
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.review { margin: 0; background: var(--cream); border-radius: var(--radius); padding: 28px; border: 1px solid var(--line); display: flex; flex-direction: column; position: relative; }
.review::before { content: "\201C"; font-family: var(--serif); font-size: 4.5rem; color: var(--gold); line-height: .6; height: 28px; }
.review p { font-size: 1rem; flex: 1; }
.review footer { font-weight: 600; color: var(--green-700); font-size: .9rem; }
.review-ctas { margin-top: 36px; display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 22px; }

/* Tips / social */
.tips-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.social-cards { display: grid; gap: 14px; }
.social { display: flex; align-items: center; gap: 16px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; text-decoration: none; color: var(--ink); transition: transform .2s, box-shadow .2s; }
.social:hover { transform: translateX(4px); box-shadow: var(--shadow); }
.social svg { width: 32px; height: 32px; flex: none; fill: currentColor; }
.social span { display: flex; flex-direction: column; line-height: 1.3; }
.social small { color: var(--muted); }
.social.yt svg { color: #d62d20; }
.social.fb svg { color: #1877f2; }
.social.li svg { color: #0a66c2; }

/* FAQ */
.faq { padding-top: 40px; }
details { background: var(--white); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; }
summary { cursor: pointer; padding: 20px 56px 20px 24px; font-weight: 600; list-style: none; position: relative; color: var(--green-900); }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--gold-dark); transition: transform .2s; }
details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
details p { padding: 0 24px 20px; margin: 0; color: var(--muted); }

/* Contact */
.contact { background: var(--green-100); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 24px 0 28px; display: grid; gap: 14px; }
.contact-list li { display: grid; grid-template-columns: 80px 1fr; gap: 12px; }
.contact-list li > span { text-transform: uppercase; font-size: .72rem; letter-spacing: .12em; font-weight: 700; color: var(--green-500); padding-top: 4px; }
.contact-list a { font-weight: 600; text-decoration: none; }
.contact-list address { font-style: normal; }
.contact-form h3 { font-size: 1.5rem; margin: 0; }
.form-status { margin: 0; font-weight: 600; color: var(--green-700); }

/* Footer */
.site-footer { background: var(--green-900); color: #b9cabf; padding: 64px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 32px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.12); }
.brand-light .brand-text strong { color: #fff; }
.brand-light .brand-text small { color: #9fb3a7; }
.footer-tag { margin-top: 14px; max-width: 26em; }
.site-footer h4 { color: #fff; font-family: var(--sans); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer a { color: #cfdcd4; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.legal { padding-top: 24px; font-size: .78rem; color: #8ea398; }
.legal p { margin: 0 0 8px; }
.ehl { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; color: #cfdcd4; font-weight: 600; }
.ehl svg { width: 28px; height: 28px; }

.mobile-cta { display: none; }

/* Responsive */
@media (max-width: 1020px) {
  .path-grid, .program-grid { grid-template-columns: repeat(2, 1fr); }
  .holes { grid-template-columns: repeat(2, 1fr); }
  .vets-inner { grid-template-columns: 1fr 1fr; }
  .vets-inner > .btn { grid-column: 1 / -1; justify-self: start; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 1020px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; top: 100%; left: 0; right: 0; background: var(--cream); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 20px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); transform: translateY(-12px); opacity: 0; pointer-events: none; transition: opacity .2s, transform .2s; }
  .nav.open { opacity: 1; transform: none; pointer-events: auto; }
  .nav a:not(.btn) { padding: 14px 4px; border-bottom: 1px solid var(--line); font-size: 1.05rem; }
  .nav .btn { margin-top: 16px; }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}
@media (max-width: 860px) {
  .hero-inner, .calc-grid, .about-grid, .tips-grid, .contact-grid { grid-template-columns: 1fr; }
  .hero-inner { padding: 56px 0 64px; gap: 40px; }
  .hero-card { justify-self: center; transform: none; max-width: 340px; }
  .scorecard { position: static; }
  .about-photo { max-width: 380px; }
  .review-grid { grid-template-columns: 1fr; }
  .section { padding: 72px 0; }
  .topbar-inner > span:first-child { display: none; }
  .topbar-inner { justify-content: center; }
  .mobile-cta { display: block; position: fixed; bottom: 16px; right: 16px; z-index: 60; background: var(--gold); color: var(--green-900); padding: 12px 20px; border-radius: 999px; font-weight: 700; text-decoration: none; box-shadow: 0 8px 24px rgba(0,0,0,.25); }
  body { padding-bottom: 72px; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .path-grid, .program-grid, .holes, .vets-inner, .two, .about-facts, .footer-grid { grid-template-columns: 1fr; }
  .trust { gap: 18px; }
  .calc-form, .contact-form, .scorecard { padding: 22px; }
  .input-row .input-wrap { flex-basis: 120px; }
  .stamp { width: 88px; height: 88px; right: -8px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}