/* ==========================================================================
   easymtge.com — shared stylesheet
   Mobile-first, no external dependencies.
   ========================================================================== */

:root {
  /* Navy ramp (primary brand) */
  --blue-900: #0a1f36;   /* darkest navy */
  --blue-800: #0e2a47;   /* primary navy */
  --blue-700: #1c4670;   /* mid navy */
  --blue-600: #24568a;   /* interactive / links */
  --blue-100: #e7edf4;   /* soft navy tint */
  --blue-50:  #f2f5f9;   /* very light navy tint */

  /* Gold accent (CTAs) */
  --accent: #c8972f;
  --accent-hover: #b0821f;
  --accent-light: #f4ecd8;
  --accent-deep: #96691a;

  /* Neutrals */
  --text: #1c2733;
  --text-muted: #5b6b7d;
  --border: #e4e8ee;
  --white: #ffffff;
  --surface-alt: #f7f5f1; /* warm off-white */
  --success: #1f8a4c;
  --error: #c0392b;

  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 2px 12px rgba(10, 31, 54, 0.07);
  --shadow-lg: 0 18px 48px rgba(10, 31, 54, 0.20);
  --shadow-md: 0 8px 24px rgba(10, 31, 54, 0.12);
  --container: 1140px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji";
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--blue-600); text-decoration: none; }
a:hover { text-decoration: underline; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.25rem;
}

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(10px);
  -webkit-backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 3px rgba(10, 31, 54, 0.05);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 66px;
  gap: 1rem;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--blue-800);
  letter-spacing: -0.025em;
  white-space: nowrap;
}
.logo:hover { text-decoration: none; }
.logo .logo-mark {
  display: inline-flex;
  width: 30px;
  height: 30px;
  flex: 0 0 auto;
}
.logo .tld { color: var(--accent); }

.main-nav {
  display: flex;
  align-items: center;
  gap: 1.4rem;
  flex-wrap: wrap;
}
.main-nav a {
  color: var(--text);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.35rem 0.1rem;
  position: relative;
}
.main-nav a:hover { color: var(--blue-700); text-decoration: none; }
.main-nav a.nav-cta {
  background: var(--accent);
  color: #fff;
  padding: 0.55rem 1.15rem;
  border-radius: 999px;
  box-shadow: 0 2px 8px rgba(200, 151, 47, 0.35);
  letter-spacing: 0.01em;
}
.main-nav a.nav-cta:hover { background: var(--accent-hover); color: #fff; }

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

.hero {
  position: relative;
  background-image:
    linear-gradient(100deg, rgba(10, 31, 54, 0.94) 0%, rgba(10, 31, 54, 0.90) 42%, rgba(10, 31, 54, 0.55) 100%),
    url("images/hero-home.jpg");
  background-size: cover;
  background-position: center right;
  background-repeat: no-repeat;
  color: var(--white);
  padding: 3rem 0 3.5rem;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.25rem;
  align-items: start;
}

.hero h1 {
  font-size: 2.05rem;
  font-weight: 800;
  line-height: 1.14;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
  text-shadow: 0 1px 20px rgba(0, 0, 0, 0.15);
}

.hero .subhead {
  font-size: 1.12rem;
  color: #d6e0ee;
  margin-bottom: 1.5rem;
  max-width: 34rem;
}

.hero-points {
  list-style: none;
  display: grid;
  gap: 0.65rem;
  margin-bottom: 1.15rem;
}
.hero-points li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  color: #eaf1f9;
  font-size: 1rem;
  font-weight: 500;
}
.hero-points .check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(200, 151, 47, 0.18);
  color: var(--accent);
  font-weight: 800;
  font-size: 0.8rem;
  flex: 0 0 auto;
  margin-top: 1px;
}

.hero-note {
  font-size: 0.8rem;
  color: #a9bcd4;
  max-width: 32rem;
}

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

.trust-bar {
  background: var(--blue-900);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.trust-bar .container {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.85rem 1.5rem;
  padding-top: 1.1rem;
  padding-bottom: 1.1rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: #dbe5f1;
  font-size: 0.9rem;
  font-weight: 600;
}
.trust-item svg {
  flex: 0 0 auto;
  width: 22px;
  height: 22px;
  color: var(--accent);
}

/* ---------- Lead form card ---------- */

.form-card {
  background: var(--white);
  color: var(--text);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.6);
  padding: 1.75rem 1.5rem;
}

.form-card h2 {
  font-size: 1.3rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--blue-800);
  margin-bottom: 0.35rem;
}
.form-card .form-sub {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}

/* progress indicator */
.progress {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}
.progress-step {
  flex: 1;
  text-align: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-muted);
}
.progress-step .dot {
  display: block;
  height: 6px;
  border-radius: 999px;
  background: var(--border);
  margin-bottom: 0.35rem;
  transition: background 0.25s ease;
}
.progress-step.active { color: var(--blue-800); }
.progress-step.active .dot { background: var(--accent); }
.progress-step.done .dot { background: var(--blue-600); }

/* steps */
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.25s ease; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

fieldset { border: 0; }
legend {
  font-weight: 800;
  color: var(--blue-800);
  margin-bottom: 0.75rem;
  font-size: 1.02rem;
  letter-spacing: -0.01em;
}

.field { margin-bottom: 1rem; }
.field label {
  display: block;
  font-weight: 600;
  font-size: 0.88rem;
  margin-bottom: 0.3rem;
  color: var(--text);
}

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select {
  width: 100%;
  padding: 0.7rem 0.8rem;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
input:focus, select:focus {
  outline: none;
  border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(36, 86, 138, 0.16);
}
input.invalid, select.invalid {
  border-color: var(--error);
}

.field-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0 1rem;
}

/* radio pills for loan purpose */
.radio-cards {
  display: grid;
  gap: 0.6rem;
  margin-bottom: 1rem;
}
.radio-card {
  position: relative;
  display: block;
  cursor: pointer;
}
.radio-card input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.radio-card .radio-card-body {
  display: block;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-weight: 600;
  transition: all 0.15s ease;
  background: var(--white);
}
.radio-card:hover .radio-card-body {
  border-color: var(--accent);
}
.radio-card input:checked + .radio-card-body {
  border-color: var(--accent);
  background: var(--accent-light);
  color: var(--blue-800);
  box-shadow: 0 0 0 1px var(--accent);
}
.radio-card input:focus-visible + .radio-card-body {
  outline: 2px solid var(--blue-600);
  outline-offset: 2px;
}

/* consent */
.consent {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  background: var(--blue-50);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 0.75rem;
  margin: 1rem 0;
}
.consent input[type="checkbox"] {
  margin-top: 0.25rem;
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
  accent-color: var(--blue-700);
}
.consent label {
  font-size: 0.72rem;
  line-height: 1.5;
  color: var(--text-muted);
  cursor: pointer;
}

/* buttons */
.btn {
  display: inline-block;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 700;
  padding: 0.8rem 1.6rem;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.1s ease, box-shadow 0.15s ease;
  text-align: center;
  letter-spacing: 0.01em;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--accent);
  color: #fff;
  box-shadow: 0 4px 14px rgba(200, 151, 47, 0.35);
}
.btn-primary:hover { background: var(--accent-hover); color: #fff; text-decoration: none; box-shadow: 0 6px 18px rgba(176, 130, 31, 0.4); }
.btn-secondary {
  background: transparent;
  color: var(--blue-700);
  border: 1.5px solid var(--border);
}
.btn-secondary:hover { background: var(--blue-50); text-decoration: none; }
.btn-block { width: 100%; }
.btn-lg { padding: 0.95rem 2rem; font-size: 1.05rem; }

.form-nav {
  display: flex;
  gap: 0.75rem;
  margin-top: 0.5rem;
}
.form-nav .btn { flex: 1; }

.form-error {
  color: var(--error);
  font-size: 0.85rem;
  font-weight: 600;
  margin-top: 0.5rem;
  min-height: 1.2em;
}

.form-secure-note {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 0.75rem;
}

/* success message */
.form-success {
  display: none;
  text-align: center;
  padding: 2rem 0.5rem;
}
.form-success.visible { display: block; animation: fadeIn 0.3s ease; }
.form-success .big { font-size: 2.5rem; }
.form-success h3 { color: var(--blue-800); margin: 0.5rem 0; }
.form-success p { color: var(--text-muted); font-size: 0.95rem; }

/* ---------- Sections ---------- */

.section { padding: 4rem 0; }
.section.alt { background: var(--surface-alt); }

.section-title {
  text-align: center;
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--blue-800);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.6rem;
}
.section-sub {
  text-align: center;
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 42rem;
  margin: 0 auto 2.75rem;
}

.cards-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.35rem;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.9rem 1.6rem;
  transition: box-shadow 0.18s ease, transform 0.15s ease, border-color 0.18s ease;
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: #d6dee9;
}
.card .card-icon {
  font-size: 2rem;
  line-height: 1;
  margin-bottom: 0.9rem;
  display: block;
}
/* SVG icon badge */
.icon-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(150deg, var(--blue-50), var(--accent-light));
  border: 1px solid var(--border);
  margin-bottom: 1.1rem;
}
.icon-badge svg {
  width: 26px;
  height: 26px;
  color: var(--blue-700);
}
.card .step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(150deg, var(--blue-800), var(--blue-700));
  color: var(--white);
  font-weight: 800;
  font-size: 1.2rem;
  margin-bottom: 1.05rem;
  box-shadow: 0 4px 12px rgba(14, 42, 71, 0.25);
}
.card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--blue-800);
  letter-spacing: -0.01em;
  margin-bottom: 0.5rem;
}
.card p { color: var(--text-muted); font-size: 0.97rem; }

/* ---------- Feature split (image + text) ---------- */

.feature-split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: center;
}
.feature-media {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.feature-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  aspect-ratio: 4 / 3;
}
.feature-eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--accent-deep);
  background: var(--accent-light);
  padding: 0.3rem 0.75rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.feature-body h2 {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--blue-800);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.9rem;
}
.feature-body p {
  color: var(--text-muted);
  font-size: 1.05rem;
  margin-bottom: 1.1rem;
  max-width: 34rem;
}
.feature-list {
  list-style: none;
  display: grid;
  gap: 0.7rem;
  margin: 0 0 1.6rem;
}
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  color: var(--text);
  font-size: 1rem;
}
.feature-list svg {
  width: 20px;
  height: 20px;
  flex: 0 0 auto;
  color: var(--success);
  margin-top: 3px;
}

/* ---------- FAQ accordion ---------- */

.faq-list {
  max-width: 820px;
  margin: 0 auto;
  display: grid;
  gap: 0.75rem;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: box-shadow 0.15s ease;
}
.faq-item.open { box-shadow: var(--shadow-md); }

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1.1rem 1.35rem;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--blue-800);
  letter-spacing: -0.01em;
  text-align: left;
  cursor: pointer;
}
.faq-question:hover { background: var(--blue-50); }
.faq-question .chevron {
  flex: 0 0 auto;
  transition: transform 0.2s ease;
  color: var(--accent);
  font-weight: 800;
}
.faq-item.open .chevron { transform: rotate(180deg); }

.faq-answer {
  display: none;
  padding: 0 1.35rem 1.2rem;
  color: var(--text-muted);
  font-size: 0.97rem;
}
.faq-item.open .faq-answer { display: block; }

/* ---------- CTA band ---------- */

.cta-band {
  position: relative;
  background:
    linear-gradient(105deg, rgba(10, 31, 54, 0.95) 0%, rgba(14, 42, 71, 0.86) 60%, rgba(28, 70, 112, 0.82) 100%),
    url("images/handshake.jpg");
  background-size: cover;
  background-position: center;
  color: var(--white);
  text-align: center;
  padding: 4rem 0;
}
.cta-band h2 { font-size: 1.85rem; font-weight: 800; margin-bottom: 0.5rem; letter-spacing: -0.03em; }
.cta-band p { color: #d6e0ee; margin-bottom: 1.6rem; font-size: 1.05rem; }

/* ---------- Calculator ---------- */

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  align-items: start;
}

.calc-form .field label .hint {
  font-weight: 400;
  color: var(--text-muted);
  font-size: 0.8rem;
}

.input-prefix {
  position: relative;
}
.input-prefix .prefix {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-weight: 600;
  pointer-events: none;
}
.input-prefix input { padding-left: 1.6rem; }
.input-suffix {
  position: relative;
}
.input-suffix .suffix {
  position: absolute;
  right: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
  font-weight: 600;
  pointer-events: none;
}
.input-suffix input { padding-right: 2.2rem; }

.results-panel {
  background: linear-gradient(160deg, var(--blue-900), var(--blue-700));
  color: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 2rem 1.75rem;
  position: sticky;
  top: 86px;
}
.results-panel h2 {
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #a9bcd4;
  margin-bottom: 1.25rem;
}
.result-big {
  font-size: 2.7rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  color: #fff;
}
.result-big-label {
  color: #cdd9e8;
  font-size: 0.9rem;
  margin-bottom: 1.5rem;
}
.result-rows { border-top: 1px solid rgba(255,255,255,0.18); }
.result-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.7rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  font-size: 0.95rem;
}
.result-row .label { color: #cdd9e8; }
.result-row .value { font-weight: 700; }
.results-note {
  font-size: 0.75rem;
  color: #a9bcd4;
  margin-top: 1.1rem;
}

/* ---------- Legal pages ---------- */

.legal-page {
  max-width: 800px;
  margin: 0 auto;
  padding: 3rem 1.25rem 4rem;
}
.legal-page h1 {
  font-size: 1.9rem;
  color: var(--blue-800);
  letter-spacing: -0.02em;
  margin-bottom: 0.25rem;
}
.legal-page .effective { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 2rem; }
.legal-page h2 {
  font-size: 1.2rem;
  color: var(--blue-800);
  margin: 2rem 0 0.6rem;
}
.legal-page p, .legal-page li { color: var(--text); font-size: 0.97rem; margin-bottom: 0.8rem; }
.legal-page ul { padding-left: 1.4rem; margin-bottom: 1rem; }

/* ---------- Disclaimer & footer ---------- */

.disclaimer {
  background: var(--surface-alt);
  border-top: 1px solid var(--border);
  padding: 2rem 0;
}
.disclaimer p {
  font-size: 0.8rem;
  color: var(--text-muted);
  max-width: 62rem;
  margin: 0 auto 0.6rem;
}
.disclaimer p strong { color: var(--text); }

.site-footer {
  background: var(--blue-900);
  color: #a9bcd4;
  padding: 2.25rem 0;
  font-size: 0.88rem;
}
.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: flex-start;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
}
.site-footer a { color: #cdd9e8; }
.site-footer a:hover { color: var(--white); }

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

@media (min-width: 640px) {
  .hero h1 { font-size: 2.6rem; }
  .field-row { grid-template-columns: 1fr 1fr; }
  .radio-cards { grid-template-columns: repeat(3, 1fr); }
  .trust-bar .container { grid-template-columns: repeat(2, 1fr); }
  .footer-inner {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }
}

@media (min-width: 900px) {
  .hero { padding: 5rem 0 5.5rem; }
  .hero h1 { font-size: 2.95rem; }
  .hero-grid { grid-template-columns: 1.05fr 0.95fr; gap: 3.5rem; align-items: center; }
  .form-card { padding: 2.25rem 2rem; }
  .trust-bar .container { grid-template-columns: repeat(4, 1fr); gap: 1rem; }
  .cards-3 { grid-template-columns: repeat(3, 1fr); }
  .calc-grid { grid-template-columns: 1.05fr 0.95fr; gap: 2.5rem; }
  .section { padding: 5rem 0; }
  .feature-split { grid-template-columns: 1fr 1fr; gap: 3.5rem; }
  .feature-split.reverse .feature-media { order: 2; }
}