/* =========================================================
   Kimball Home Mortgage — Summit theme
   Evergreen + gold + cream. Hand-rolled, no build step.
   ========================================================= */

:root {
  --evergreen: #13342a;
  --evergreen-2: #1f4d3f;
  --gold: #c69749;
  --gold-deep: #b3842f;
  --cream: #f7f3e9;
  --cream-2: #fbf8f1;
  --ink: #16241e;
  --muted: rgba(19, 52, 42, 0.62);
  --line: rgba(19, 52, 42, 0.12);
  --white: #ffffff;
  --radius: 18px;
  --radius-lg: 28px;
  --maxw: 1140px;
  --shadow: 0 18px 40px -24px rgba(19, 52, 42, 0.45);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 28px;
  width: 100%;
}

h1, h2, h3 { line-height: 1.08; letter-spacing: -0.02em; margin: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.97rem;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--evergreen); }
.btn-gold:hover { background: var(--gold-deep); }
.btn-evergreen { background: var(--evergreen); color: var(--cream); }
.btn-evergreen:hover { background: #0d271f; }
.btn-outline { background: transparent; color: var(--evergreen); border-color: var(--gold); }
.btn-outline:hover { background: rgba(198, 151, 73, 0.12); }
.btn-block { width: 100%; text-align: center; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--evergreen);
  color: var(--cream);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-weight: 800; font-size: 0.95rem; letter-spacing: 0.2em; }
.brand-sub { font-size: 0.62rem; letter-spacing: 0.26em; color: var(--gold); margin-top: 4px; }
.nav { display: flex; align-items: center; gap: 30px; }
.nav a { font-size: 0.93rem; font-weight: 500; color: var(--cream); }
.nav a:not(.btn):hover { color: var(--gold); }
.nav-apply { padding: 10px 22px; }

/* ---------- Hero ---------- */
.hero { background: var(--cream); padding: 84px 0 72px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}
.eyebrow {
  color: var(--gold-deep);
  font-weight: 700;
  font-size: 0.74rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin: 0 0 18px;
}
.hero h1 { font-size: clamp(2.6rem, 5vw, 3.7rem); font-weight: 800; color: var(--evergreen); }
.lead { font-size: 1.14rem; color: var(--muted); max-width: 30rem; margin: 22px 0 30px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { margin: 26px 0 0; font-size: 0.82rem; color: var(--muted); font-weight: 500; }

.hero-photo { display: flex; justify-content: center; }
.photo-card {
  position: relative;
  width: 100%;
  max-width: 420px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
}
.photo-card img { width: 100%; height: 100%; object-fit: cover; }
.photo-badge {
  position: absolute;
  left: 18px;
  bottom: 18px;
  background: rgba(19, 52, 42, 0.92);
  color: var(--cream);
  padding: 14px 18px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  gap: 12px;
  backdrop-filter: blur(2px);
  border: 1px solid rgba(198, 151, 73, 0.4);
}
.photo-badge-num { font-size: 1.9rem; font-weight: 800; color: var(--gold); line-height: 1; }
.photo-badge-label { font-size: 0.72rem; line-height: 1.25; color: rgba(247, 243, 233, 0.85); }

/* ---------- Section primitives ---------- */
.section-eyebrow {
  color: var(--gold-deep);
  font-weight: 700;
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin: 0 0 12px;
}
.section-title { font-size: clamp(1.7rem, 3.2vw, 2.3rem); font-weight: 800; color: var(--evergreen); max-width: 22ch; }

/* ---------- Services ---------- */
.services { padding: 76px 0; background: var(--cream-2); }
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 40px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 26px;
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.service-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.service-icon { width: 38px; height: 38px; margin-bottom: 16px; }
.service-card h3 { font-size: 1.22rem; color: var(--evergreen); margin-bottom: 8px; }
.service-card p { color: var(--muted); font-size: 0.96rem; margin: 0; }
.service-grid--2 { grid-template-columns: repeat(2, 1fr); max-width: 760px; }

/* ---------- Alternative / non-QM products ---------- */
.alt { padding: 84px 0; }
.alt-intro { color: var(--muted); font-size: 1.06rem; max-width: 52ch; margin: 14px 0 0; }
.alt-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-top: 40px;
}
.alt-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 22px;
  border-top: 3px solid var(--gold);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.alt-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.alt-tag {
  display: inline-block;
  font-weight: 800;
  font-size: 1.12rem;
  color: var(--evergreen);
  letter-spacing: -0.01em;
  margin-bottom: 10px;
}
.alt-card p { color: var(--muted); font-size: 0.94rem; margin: 0; line-height: 1.5; }

/* ---------- About ---------- */
.about { padding: 84px 0; }
.about-grid {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 56px;
  align-items: center;
}
.about-photo {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--line);
  width: 100%;
  max-width: 300px;
}
.about-photo img {
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center 20%;
}
.about-copy p { color: var(--muted); font-size: 1.04rem; margin: 16px 0 0; max-width: 38rem; }
.about-points { list-style: none; padding: 0; margin: 26px 0 0; display: grid; gap: 12px; }
.about-points li {
  position: relative;
  padding-left: 30px;
  color: var(--ink);
  font-size: 1rem;
}
.about-points li::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 14px; height: 14px;
  border-radius: 4px;
  background: var(--gold);
}
.about-points strong { color: var(--evergreen); }

/* ---------- Process ---------- */
.process { padding: 76px 0; background: var(--evergreen); color: var(--cream); }
.process .section-eyebrow { color: var(--gold); }
.process .section-title { color: var(--cream); }
.steps {
  list-style: none;
  padding: 0;
  margin: 44px 0 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  counter-reset: step;
}
.steps li {
  border-top: 2px solid rgba(198, 151, 73, 0.5);
  padding-top: 22px;
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--evergreen);
  font-weight: 800;
  font-size: 1.1rem;
  margin-bottom: 16px;
}
.steps h3 { font-size: 1.25rem; color: var(--cream); margin-bottom: 8px; }
.steps p { color: rgba(247, 243, 233, 0.72); margin: 0; font-size: 0.97rem; }

/* ---------- Contact ---------- */
.contact { padding: 84px 0; background: var(--cream-2); }
.contact-center { max-width: 680px; margin: 0 auto; text-align: center; }
.contact-center .section-title { max-width: none; margin: 0 auto; }
.contact-lead { color: var(--muted); font-size: 1.08rem; margin: 16px auto 30px; max-width: 40rem; }
.contact-methods {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
}
.contact-method {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 5px;
  padding: 22px 34px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.contact-method:hover { border-color: var(--gold); transform: translateY(-2px); }
.cm-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--gold-deep); font-weight: 700; }
.cm-value { font-size: 1.1rem; font-weight: 600; color: var(--evergreen); white-space: nowrap; }

/* ---------- Footer ---------- */
.site-footer { background: var(--evergreen); color: rgba(247, 243, 233, 0.7); }
.footer-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 36px;
  align-items: start;
  padding: 48px 28px 36px;
}
.footer-brand { display: flex; align-items: center; gap: 12px; }
.footer-legal { font-size: 0.8rem; line-height: 1.55; }
.footer-legal p { margin: 0 0 6px; }
.footer-entity { color: var(--cream); font-weight: 700; font-size: 0.88rem; }
.footer-legal a { color: var(--gold); text-decoration: underline; }
.footer-disclaimer { margin-top: 14px !important; font-size: 0.72rem; color: rgba(247, 243, 233, 0.5); max-width: 60ch; }
.footer-eho {
  background: var(--cream);
  padding: 8px;
  border-radius: 8px;
  display: inline-flex;
}
.footer-eho img { width: 48px; height: 48px; }
.footer-bar {
  border-top: 1px solid rgba(247, 243, 233, 0.12);
  font-size: 0.76rem;
  color: rgba(247, 243, 233, 0.5);
}
.footer-bar .wrap { padding-top: 18px; padding-bottom: 18px; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-photo { order: -1; }
  .photo-card { max-width: 360px; }
  .about-grid { grid-template-columns: 1fr; gap: 36px; }
  .about-photo { max-width: 320px; }
  .service-grid { grid-template-columns: 1fr; }
  .alt-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; gap: 20px; }
  .contact-method { width: 100%; padding: 20px 18px; }
  .contact-method .cm-value { font-size: 0.92rem; }
  .footer-inner { grid-template-columns: 1fr; gap: 24px; }
}

@media (max-width: 560px) {
  .nav { gap: 16px; }
  .nav a:not(.btn) { display: none; }
  .hero { padding: 56px 0 52px; }
  .wrap { padding: 0 20px; }
  .alt-grid { grid-template-columns: 1fr; }
}