/* Salt & Pepper Mortgage — shared styles
   Brand: Pepper #242624 / Salt #F6F3ED / Stone #81796E / Olive #535D46
   Headlines: Noto Serif Display · Body: Open Sans */

:root {
  --pepper: #242624;
  --salt: #f6f3ed;
  --stone: #81796e;
  --olive: #535d46;
  --olive-dark: #424a38;
  --white: #ffffff;
  --ink: #242624;
  --muted: #5c564e;
  --line: #ddd6c9;
  --radius: 10px;
  --shadow: 0 2px 10px rgba(36, 38, 36, 0.10);
  --max: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Open Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--salt);
}

h1, h2, h3, h4 {
  font-family: "Noto Serif Display", Georgia, serif;
  line-height: 1.2;
  color: var(--pepper);
  margin: 0 0 0.5em;
}

h1 { font-size: 2.4rem; }
h2 { font-size: 1.9rem; }
h3 { font-size: 1.35rem; }

p { margin: 0 0 1em; }

a { color: var(--olive); }
a:hover { color: var(--olive-dark); }

img, svg { max-width: 100%; }

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 20px;
}

.section { padding: 3.5rem 0; }
.section.alt { background: var(--white); }
.section.dark { background: var(--pepper); color: var(--salt); }
.section.dark h2, .section.dark h3 { color: var(--salt); }
.section.dark p { color: #e8e4db; }

.lede { font-size: 1.15rem; color: var(--muted); max-width: 46rem; }
.section.dark .lede { color: #cfccc2; }

.eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--olive);
  margin-bottom: 0.6em;
}
.section.dark .eyebrow { color: #b9c4a8; }

/* ---------- Header / nav ---------- */

.site-header {
  background: var(--salt);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 68px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--pepper);
}

.brand-mark { width: 42px; height: 42px; flex: 0 0 auto; }

.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name {
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 1.3rem;
  font-weight: 700;
}
.brand-sub {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.32em;
  color: var(--stone);
}

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 8px;
  font-size: 1.3rem;
  line-height: 1;
  padding: 8px 12px;
  cursor: pointer;
  color: var(--pepper);
}

.site-nav { display: flex; align-items: center; gap: 4px; }
.site-nav a {
  text-decoration: none;
  color: var(--pepper);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 8px 12px;
  border-radius: 8px;
}
.site-nav a:hover { background: #ece7db; }
.site-nav a.active { color: var(--olive); background: #e9e6dc; }
.site-nav a.nav-cta {
  background: var(--olive);
  color: var(--salt);
  margin-left: 8px;
}
.site-nav a.nav-cta:hover { background: var(--olive-dark); }

/* ---------- Buttons ---------- */

.btn {
  display: inline-block;
  text-decoration: none;
  font-weight: 700;
  font-size: 1rem;
  padding: 13px 24px;
  border-radius: 8px;
  border: 2px solid var(--olive);
  background: var(--olive);
  color: var(--salt);
  cursor: pointer;
  text-align: center;
}
.btn:hover { background: var(--olive-dark); border-color: var(--olive-dark); color: var(--salt); }

.btn.ghost {
  background: transparent;
  color: var(--salt);
  border-color: var(--salt);
}
.btn.ghost:hover { background: rgba(246, 243, 237, 0.15); color: var(--salt); }

.btn.light { background: var(--salt); border-color: var(--salt); color: var(--pepper); }
.btn.light:hover { background: #e9e5da; border-color: #e9e5da; color: var(--pepper); }

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 1.5rem; }

/* ---------- Hero ---------- */

.hero {
  background: var(--pepper);
  color: var(--salt);
  padding: 4.5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -40px;
  bottom: -60px;
  width: 340px;
  height: 340px;
  opacity: 0.10;
  background: var(--salt);
  border-radius: 50% 50% 0 0;
  pointer-events: none;
}
.hero h1 { color: var(--salt); font-size: 2.6rem; max-width: 34rem; }
.hero .lede { color: #d8d4c9; }
.hero .btn-row { position: relative; z-index: 1; }

.hero-tag {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #c9d2b6;
  border: 1px solid #4a4d45;
  border-radius: 999px;
  padding: 6px 14px;
  margin-bottom: 1.2rem;
}

/* ---------- Trust bar ---------- */

.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  padding: 1.4rem 0;
}
.trust-bar .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  text-align: center;
}
.trust-item strong {
  display: block;
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 1.35rem;
  color: var(--pepper);
}
.trust-item span { font-size: 0.9rem; color: var(--muted); }

/* ---------- Cards / grids ---------- */

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: var(--shadow);
}
.card h3 { margin-bottom: 0.4em; }
.card p:last-child { margin-bottom: 0; }
.card .step-num {
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--olive);
  line-height: 1;
  display: block;
  margin-bottom: 0.5rem;
}
.card .card-link { font-weight: 700; text-decoration: none; }
.card .card-link:hover { text-decoration: underline; }

.section.alt .card { background: var(--salt); }

/* ---------- Estimator / calculator ---------- */

.calculator {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.8rem;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}

.field { margin-bottom: 1.1rem; }
.field label {
  display: block;
  font-weight: 700;
  font-size: 0.92rem;
  margin-bottom: 0.35rem;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  padding: 10px 12px;
  border: 1px solid #c9c2b2;
  border-radius: 8px;
  background: var(--white);
  color: var(--ink);
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: 2px solid var(--olive);
  outline-offset: 1px;
  border-color: var(--olive);
}
.field .hint { font-size: 0.85rem; color: var(--muted); margin-top: 0.3rem; }
.field .suffix { font-size: 0.9rem; color: var(--muted); }

.result-box {
  background: var(--salt);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
}
.result-box .result-big {
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--pepper);
  line-height: 1.1;
}
.result-box .result-label {
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--stone);
}
.result-rows { margin-top: 1rem; border-top: 1px solid var(--line); padding-top: 1rem; }
.result-rows dl {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 4px 16px;
  margin: 0;
  font-size: 0.95rem;
}
.result-rows dt { color: var(--muted); }
.result-rows dd { margin: 0; font-weight: 700; text-align: right; }

.disclaimer {
  font-size: 0.86rem;
  color: var(--muted);
  background: #efece3;
  border-left: 4px solid var(--stone);
  padding: 0.9rem 1.1rem;
  border-radius: 0 8px 8px 0;
  margin-top: 1.4rem;
}
.disclaimer p { margin: 0; }

/* ---------- Segment teaser ---------- */

.segment {
  display: flex;
  gap: 28px;
  align-items: center;
  flex-wrap: wrap;
}
.segment-text { flex: 1 1 320px; }
.segment-badge {
  flex: 0 0 auto;
  background: var(--olive);
  color: var(--salt);
  border-radius: var(--radius);
  padding: 1.4rem 1.6rem;
  max-width: 300px;
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 1.3rem;
  line-height: 1.3;
}
.segment-badge small {
  display: block;
  font-family: "Open Sans", sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  opacity: 0.85;
  margin-bottom: 0.5rem;
}

/* ---------- Resource articles ---------- */

.resource-list { display: grid; gap: 24px; }
.article {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.8rem;
}
.article h3 { font-size: 1.5rem; }
.article .article-num {
  font-family: "Noto Serif Display", Georgia, serif;
  color: var(--olive);
  font-weight: 700;
  margin-right: 0.4rem;
}
.article ul { padding-left: 1.3em; }
.article li { margin-bottom: 0.4em; }

/* ---------- About ---------- */

.about-layout {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 32px;
  align-items: start;
}
.photo-placeholder {
  background: #e7e2d5;
  border: 2px dashed var(--stone);
  border-radius: var(--radius);
  aspect-ratio: 4 / 5;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 1.2rem;
  color: var(--muted);
  font-size: 0.92rem;
}
.cred-list { list-style: none; padding: 0; margin: 0; }
.cred-list li {
  padding: 0.55rem 0;
  border-bottom: 1px solid var(--line);
}
.cred-list li:last-child { border-bottom: 0; }
.cred-list strong { color: var(--pepper); }

blockquote.pull {
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 1.35rem;
  line-height: 1.45;
  color: var(--olive-dark);
  border-left: 4px solid var(--olive);
  margin: 1.5rem 0;
  padding: 0.2rem 0 0.2rem 1.2rem;
}

/* ---------- Contact ---------- */

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.radio-row { display: flex; gap: 18px; flex-wrap: wrap; }
.radio-row label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  cursor: pointer;
}
.radio-row input { width: auto; }

/* ---------- Footer ---------- */

.site-footer {
  background: var(--pepper);
  color: #cfccc2;
  padding: 2.8rem 0 2rem;
  font-size: 0.93rem;
}
.site-footer a { color: var(--salt); }
.footer-brand {
  font-family: "Noto Serif Display", Georgia, serif;
  font-size: 1.25rem;
  color: var(--salt);
  margin-bottom: 0.8em;
}
.footer-cols {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 32px;
}
.footer-nav { list-style: none; padding: 0; margin: 0; }
.footer-nav li { margin-bottom: 0.45rem; }
.footer-bottom {
  border-top: 1px solid #45473f;
  margin-top: 2rem;
  padding-top: 1.2rem;
  font-size: 0.86rem;
  color: #9d988c;
}

/* ---------- Placeholders ---------- */

.placeholder-note {
  background: #fdf6d8;
  border: 1px dashed #b89b3c;
  border-radius: 8px;
  padding: 0.8rem 1rem;
  font-size: 0.92rem;
  color: #5c4d12;
  margin: 1rem 0;
}

/* ---------- Responsive ---------- */

@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .about-layout, .contact-layout, .calc-grid { grid-template-columns: 1fr; }
  .footer-cols { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  h1 { font-size: 2rem; }
  .hero h1 { font-size: 2.1rem; }
  h2 { font-size: 1.6rem; }
  .section { padding: 2.5rem 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .trust-bar .container { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: block; }
  .site-nav {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: var(--salt);
    flex-direction: column;
    align-items: stretch;
    padding: 12px 20px 18px;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 12px; }
  .site-nav a.nav-cta { margin-left: 0; text-align: center; }
  .header-inner { position: relative; }
}