/* Advantage Mortgage Processing - design system
   Palette: Navy #14243D  Copper #B46B3A  Stone #8C8578  Warm White #F6F3ED */
:root{
  --navy:#14243D; --navy-80:#35507D; --navy-60:#7E90AC; --navy-30:#C5CDD9; --navy-12:#EAEDF2;
  --copper:#B46B3A; --copper-70:#C89267; --copper-40:#DCB694; --copper-20:#EDD9C6; --copper-08:#F8EFE6;
  --stone:#8C8578; --warm:#F6F3ED; --white:#ffffff;
  --ink:#14243D; --body:#3a4457; --muted:#6d7688; --line:#e4e0d8;
  --maxw:1160px; --radius:16px; --radius-sm:11px;
  --shadow:0 1px 2px rgba(20,36,61,.05), 0 12px 34px -14px rgba(20,36,61,.16);
  --shadow-lg:0 30px 70px -30px rgba(20,36,61,.34);
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);color:var(--body);background:var(--warm);line-height:1.65;
  font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--copper);text-decoration:none}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);font-weight:500;line-height:1.1;
  letter-spacing:-.01em}
h1{font-size:clamp(2.35rem,5.4vw,4.1rem);font-weight:400}
h2{font-size:clamp(1.9rem,3.8vw,3rem);font-weight:400}
h3{font-size:clamp(1.2rem,2vw,1.55rem)}
p{max-width:66ch}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:clamp(64px,8vw,120px) 0}
.section--tight{padding:clamp(48px,6vw,84px) 0}
.section--warm{background:var(--warm)}
.section--white{background:var(--white)}
.section--navy{background:var(--navy);color:#c9d2df}
.section--navy h2,.section--navy h3{color:#fff}

/* eyebrow / labels */
.eyebrow{font-family:var(--sans);font-weight:600;font-size:.76rem;letter-spacing:.18em;
  text-transform:uppercase;color:var(--copper);display:block;max-width:100%;line-height:1.5}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--copper);display:inline-block;
  vertical-align:middle;margin-right:10px;margin-bottom:4px}
.section--navy .eyebrow{color:var(--copper-40)}
.section--navy .eyebrow::before{background:var(--copper-40)}
.section-head{max-width:720px;margin-bottom:52px}
.section-head p{margin-top:18px;font-size:1.1rem;color:var(--muted)}
.section--navy .section-head p{color:#aab6c7}
.center{text-align:center;margin-left:auto;margin-right:auto}
.center p{margin-left:auto;margin-right:auto}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--sans);font-weight:600;
  font-size:.98rem;padding:15px 26px;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:.25s var(--ease);white-space:nowrap;letter-spacing:.005em}
.btn--primary{background:var(--copper);color:#fff;box-shadow:0 10px 24px -10px rgba(180,107,58,.7)}
.btn--primary:hover{background:#a25f31;transform:translateY(-2px);box-shadow:0 16px 30px -12px rgba(180,107,58,.8)}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:#0d1a2e;transform:translateY(-2px)}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--navy-30)}
.btn--ghost:hover{border-color:var(--navy);background:var(--white)}
.section--navy .btn--ghost{color:#fff;border-color:rgba(255,255,255,.32)}
.section--navy .btn--ghost:hover{background:rgba(255,255,255,.08)}
.btn--lg{padding:17px 32px;font-size:1.03rem}
.arrow{transition:transform .25s var(--ease)}
.btn:hover .arrow{transform:translateX(3px)}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:12px}
.chip{display:inline-flex;align-items:center;gap:8px;font-size:.86rem;font-weight:600;color:var(--ink);
  background:var(--white);border:1px solid var(--line);border-radius:999px;padding:9px 16px;box-shadow:var(--shadow)}
.chip svg{width:15px;height:15px;color:var(--copper);flex:none}
.section--navy .chip{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#e6ebf2}
.section--navy .chip svg{color:var(--copper-40)}

/* header */
.header{position:sticky;top:0;z-index:60;background:rgba(246,243,237,.82);
  backdrop-filter:saturate(160%) blur(14px);border-bottom:1px solid transparent;transition:.3s var(--ease)}
.header.scrolled{background:rgba(246,243,237,.94);border-bottom-color:var(--line);
  box-shadow:0 6px 24px -18px rgba(20,36,61,.4)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand img{height:48px;width:auto;display:block;flex:none;max-width:none}
.mobile-menu .brand img{height:42px}
.nav-cta{flex:none}
.nav-links{display:flex;align-items:center;gap:34px}
.nav-links a.navlink{color:var(--ink);font-weight:500;font-size:.95rem;position:relative;padding:4px 0}
.nav-links a.navlink::after{content:"";position:absolute;left:0;bottom:-2px;width:0;height:2px;
  background:var(--copper);transition:width .25s var(--ease)}
.nav-links a.navlink:hover::after{width:100%}
.nav-cta{display:flex;align-items:center;gap:16px}
.nav-phone{color:var(--ink);font-weight:600;font-size:.95rem;display:inline-flex;align-items:center;gap:8px}
.nav-phone svg{width:16px;height:16px;color:var(--copper)}
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:8px;color:var(--ink)}
.menu-btn svg{width:28px;height:28px}

/* hero */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(1100px 520px at 82% -8%, #fbf8f2 0%, rgba(251,248,242,0) 60%),
  linear-gradient(180deg,#fbf9f4 0%,var(--warm) 100%)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;
  padding-top:clamp(56px,7vw,96px);padding-bottom:clamp(56px,7vw,90px)}
.hero-copy,.hero-visual{min-width:0}
.hero h1{color:var(--ink)}
.hero h1 em{font-style:italic;color:var(--copper)}
.hero .lede{font-size:1.2rem;color:var(--body);margin:26px 0 32px;max-width:37ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:30px}
.hero .chips{margin-top:6px}
.hero-note{margin-top:20px;font-size:.86rem;color:var(--muted);max-width:40ch}

/* hero visual (photo + credential card) */
.hero-visual{position:relative}
.photo-frame{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);
  aspect-ratio:4/5;background:linear-gradient(160deg,var(--navy) 0%,#0d1a2e 100%)}
.photo-frame img{width:100%;height:100%;object-fit:cover}
.photo-ph{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;
  justify-content:center;gap:14px;color:#9fb0c6;text-align:center;padding:24px}
.photo-ph svg{width:56px;height:56px;opacity:.5}
.photo-ph span{font-size:.82rem;letter-spacing:.04em;max-width:24ch}
.cred-card{position:absolute;left:-26px;bottom:26px;background:var(--white);border:1px solid var(--line);
  border-radius:16px;padding:18px 22px;box-shadow:var(--shadow-lg);display:flex;gap:20px}
.cred-card .cc{display:flex;flex-direction:column}
.cred-card .n{font-family:var(--serif);font-size:1.7rem;color:var(--navy);line-height:1}
.cred-card .l{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;margin-top:5px}
.cred-card .div{width:1px;background:var(--line)}

/* LOS strip */
.los-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white)}
.los-inner{display:flex;align-items:center;gap:32px;flex-wrap:wrap;justify-content:center;
  padding:26px 0}
.los-label{font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.los-names{display:flex;flex-wrap:wrap;gap:28px;align-items:center}
.los-names span{font-family:var(--serif);font-size:1.25rem;color:var(--navy);opacity:.75}

/* generic card grid */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  box-shadow:var(--shadow);transition:.3s var(--ease)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--copper-40)}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--copper-08);color:var(--copper);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card .ic svg{width:23px;height:23px}
.card h3{margin-bottom:9px}
.card p{font-size:.98rem;color:var(--body)}

/* about split */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center}
.split>*,.cta-grid>*{min-width:0}
.about-photo{border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/5;
  background:linear-gradient(160deg,#26364f,#0d1a2e)}
.about-photo img{width:100%;height:100%;object-fit:cover}
.about-body h2{margin-bottom:8px}
.sig{font-family:var(--serif);font-style:italic;font-size:1.5rem;color:var(--navy);margin-top:26px}
.sig small{display:block;font-family:var(--sans);font-style:normal;font-size:.82rem;
  letter-spacing:.02em;color:var(--muted);margin-top:4px}
.about-body p+p{margin-top:16px}
.creds-row{display:flex;gap:38px;margin:28px 0 4px;flex-wrap:wrap}
.creds-row .n{font-family:var(--serif);font-size:2.3rem;color:var(--copper);line-height:1}
.creds-row .l{font-size:.84rem;color:var(--muted);margin-top:2px;max-width:16ch}

/* process steps */
.steps{counter-reset:step;display:grid;gap:2px;border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;background:var(--line)}
.step{background:var(--white);padding:34px;display:grid;grid-template-columns:auto 1fr;gap:26px;
  align-items:start;transition:.3s var(--ease)}
.step:hover{background:var(--copper-08)}
.step .num{counter-increment:step;font-family:var(--serif);font-size:1.15rem;color:#fff;
  background:var(--navy);width:52px;height:52px;border-radius:50%;display:flex;align-items:center;
  justify-content:center;flex:none}
.step .num::before{content:"0" counter(step)}
.step h3{margin-bottom:7px}
.step p{font-size:.98rem}
.step .yr{font-size:.78rem;font-weight:600;color:var(--copper);text-transform:uppercase;letter-spacing:.1em;margin-top:10px;display:inline-block}

/* loan types */
.loans{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.loan{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);
  padding:16px 18px;display:flex;align-items:center;gap:11px;font-weight:600;color:var(--ink);
  font-size:.94rem;transition:.25s var(--ease)}
.loan:hover{border-color:var(--copper);background:var(--copper-08)}
.loan svg{width:16px;height:16px;color:var(--copper);flex:none}

/* pricing */
.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:start}
.price{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow);display:flex;flex-direction:column;transition:.3s var(--ease)}
.price:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.price.feat{border-color:var(--copper);box-shadow:0 30px 70px -30px rgba(180,107,58,.4)}
.price-top{padding:30px 30px 26px;border-bottom:1px solid var(--line);position:relative}
.price.feat .price-top{background:var(--copper-08)}
.price .tag{position:absolute;top:18px;right:18px;background:var(--copper);color:#fff;font-size:.68rem;
  font-weight:700;letter-spacing:.09em;text-transform:uppercase;padding:5px 11px;border-radius:999px}
.price h3{font-size:1.15rem;font-family:var(--sans);font-weight:700;letter-spacing:.01em;color:var(--navy)}
.price .amt{font-family:var(--serif);font-size:3rem;color:var(--navy);margin:12px 0 2px;line-height:1}
.price .amt small{font-size:1rem;color:var(--muted);font-family:var(--sans)}
.price .sub{font-size:.9rem;color:var(--muted)}
.price-body{padding:26px 30px 30px;display:flex;flex-direction:column;gap:20px;flex:1}
.role h4{font-size:.74rem;text-transform:uppercase;letter-spacing:.12em;color:var(--copper);
  font-family:var(--sans);font-weight:700;margin-bottom:12px}
.role.mine h4{color:var(--navy)}
.role ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.role li{display:flex;gap:10px;font-size:.92rem;color:var(--body);align-items:flex-start}
.role li svg{width:16px;height:16px;flex:none;margin-top:3px;color:var(--copper)}
.role.mine li svg{color:var(--navy-80)}
.price .btn{margin-top:auto}
.price-note{margin-top:34px;background:var(--navy);color:#dfe6ef;border-radius:var(--radius);
  padding:30px 34px;display:flex;gap:26px;align-items:center;flex-wrap:wrap;justify-content:space-between}
.price-note .big{font-family:var(--serif);font-size:1.6rem;color:#fff;max-width:24ch;line-height:1.15}
.price-note ul{list-style:none;display:grid;gap:10px;font-size:.94rem}
.price-note li{display:flex;gap:10px;align-items:flex-start}
.price-note li svg{width:17px;height:17px;color:var(--copper-40);flex:none;margin-top:3px}
.alacarte{margin-top:20px;display:flex;gap:14px;flex-wrap:wrap;align-items:center;
  font-size:.94rem;color:var(--muted)}
.alacarte b{color:var(--ink)}
.alacarte .pill{background:var(--copper-08);color:#8a4f28;border:1px solid var(--copper-20);
  padding:6px 13px;border-radius:999px;font-weight:600;font-size:.86rem}

/* why / feature list navy */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:8px}
.why{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);
  padding:28px}
.why .ic{width:44px;height:44px;border-radius:11px;background:rgba(180,107,58,.16);color:var(--copper-40);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.why .ic svg{width:22px;height:22px}
.why h3{font-size:1.2rem;margin-bottom:8px}
.why p{font-size:.95rem;color:#aab6c7}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.qa{border-bottom:1px solid var(--line)}
.qa summary{list-style:none;cursor:pointer;padding:24px 46px 24px 0;position:relative;
  font-family:var(--serif);font-size:1.18rem;color:var(--ink);font-weight:500}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"";position:absolute;right:6px;top:30px;width:12px;height:12px;
  border-right:2px solid var(--copper);border-bottom:2px solid var(--copper);
  transform:rotate(45deg);transition:transform .25s var(--ease)}
.qa[open] summary::after{transform:rotate(-135deg);top:34px}
.qa .a{padding:0 40px 26px 0;color:var(--body);font-size:1rem}
.qa .a p+p{margin-top:12px}

/* contact / cta */
.cta-band{background:linear-gradient(150deg,#16283f 0%,#0c1728 100%);color:#dbe2ec;
  border-radius:26px;padding:clamp(40px,6vw,68px);position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;
  background:radial-gradient(circle,rgba(180,107,58,.28),transparent 62%)}
.cta-grid{display:grid;grid-template-columns:1fr .9fr;gap:52px;align-items:center;position:relative;z-index:1}
.cta-grid h2{color:#fff}
.cta-grid .lede{font-size:1.12rem;color:#b6c1d1;margin:16px 0 26px}
.form{background:var(--white);border-radius:18px;padding:28px;box-shadow:var(--shadow-lg)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field label{display:block;font-size:.8rem;font-weight:600;color:var(--ink);margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;border:1px solid var(--line);border-radius:10px;
  padding:12px 14px;font-family:var(--sans);font-size:.95rem;color:var(--ink);background:#fdfcfa;transition:.2s}
.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--copper);
  box-shadow:0 0 0 3px rgba(180,107,58,.14)}
.form .btn{width:100%;justify-content:center;margin-top:6px}
.form .fineprint{font-size:.74rem;color:var(--muted);margin-top:12px;line-height:1.5}
.form .hp{display:none !important}
.form-status{margin-top:12px;font-size:.9rem;font-weight:600;border-radius:10px;padding:11px 14px}
.form-status.ok{background:#e7f5ec;color:#1c7a44;border:1px solid #bfe6cd}
.form-status.err{background:#fdecea;color:#b3392f;border:1px solid #f5cfca}
.contact-list{display:flex;flex-direction:column;gap:18px;margin-top:26px}
.contact-list a,.contact-list div{display:flex;align-items:center;gap:14px;color:#dbe2ec;font-weight:500}
.contact-list .ic{width:42px;height:42px;border-radius:11px;background:rgba(255,255,255,.07);
  display:flex;align-items:center;justify-content:center;flex:none}
.contact-list .ic svg{width:19px;height:19px;color:var(--copper-40)}
.contact-list small{display:block;font-weight:400;color:#93a1b5;font-size:.8rem}

/* footer */
.footer{background:var(--navy);color:#9fabbd;padding:64px 0 0}
.foot-brand{text-align:center;padding-bottom:42px;margin-bottom:46px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-stacked{height:138px;width:auto;display:inline-block}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:48px}
.footer .fdesc{font-size:.92rem;color:#8b98ac;max-width:34ch}
.footer h4{color:#fff;font-family:var(--sans);font-size:.78rem;text-transform:uppercase;
  letter-spacing:.14em;margin-bottom:16px}
.footer ul{list-style:none;display:flex;flex-direction:column;gap:11px}
.footer ul a{color:#9fabbd;font-size:.94rem}
.footer ul a:hover{color:#fff}
.eho{display:flex;align-items:center;gap:12px;margin-top:18px;color:#8b98ac;font-size:.82rem}
.eho svg{width:34px;height:34px;flex:none;color:#9fabbd}
.disclaimer{border-top:1px solid rgba(255,255,255,.1);padding:26px 0;font-size:.78rem;
  color:#7d8ba0;line-height:1.6}
.disclaimer b{color:#b3bece}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;
  justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;font-size:.84rem;color:#7d8ba0}
.foot-bottom a{color:#9fabbd}

/* reveal */
[data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
[data-reveal].in{opacity:1;transform:none}

/* responsive */
@media(max-width:960px){
  .hero-grid,.split,.cta-grid{grid-template-columns:1fr;gap:40px}
  .hero-visual{max-width:420px;margin:0 auto;width:100%}
  .about-photo{max-width:420px;margin:0 auto}
  .grid-3,.grid-4,.why-grid,.price-grid{grid-template-columns:1fr 1fr}
  .loans{grid-template-columns:repeat(3,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .price-note{flex-direction:column;align-items:flex-start;gap:18px}
}
@media(max-width:680px){
  body{font-size:16px}
  .nav-links{display:none}
  .menu-btn{display:block}
  .nav-cta{display:none}
  .brand img{height:40px}
  .los-inner{flex-direction:column;gap:13px;text-align:center;align-items:stretch}
  .los-label{order:-1;text-align:center}
  .los-names{justify-content:center;gap:12px 18px;width:100%}
  .los-names span{font-size:1.05rem}
  .grid-3,.grid-4,.why-grid,.price-grid,.grid-2{grid-template-columns:1fr}
  .loans{grid-template-columns:1fr 1fr}
  .cred-card{left:0;right:0;margin:0 12px}
  .form .row{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .step{grid-template-columns:1fr;gap:14px}
}
/* mobile menu */
.mobile-menu{position:fixed;inset:0;z-index:80;background:var(--warm);transform:translateX(100%);
  transition:transform .35s var(--ease);display:flex;flex-direction:column;padding:24px}
.mobile-menu.open{transform:none}
.mobile-menu .mm-top{display:flex;justify-content:space-between;align-items:center;height:52px}
.mobile-menu nav{display:flex;flex-direction:column;gap:4px;margin-top:30px}
.mobile-menu nav a{font-family:var(--serif);font-size:1.5rem;color:var(--ink);padding:12px 0;
  border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:24px;justify-content:center}
.mm-close{background:none;border:0;padding:8px;cursor:pointer;color:var(--ink)}
.mm-close svg{width:28px;height:28px}