/* ============================================================
   Blue Guide Finance — shared site stylesheet
   Navy / brass palette, Fraunces + Public Sans
   ============================================================ */

:root{
  --navy:#12314D;
  --navy-ink:#0C2439;
  --brass:#8F6427;
  --brass-light:#B08D57;
  --paper:#FBF9F5;
  --paper-warm:#F4EFE6;
  --ink-soft:#5C7182;
  --line:#E2DCCE;
  --white:#FFFFFF;
  --radius:14px;
  --maxw:1080px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Public Sans',sans-serif;
  color:var(--navy-ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,h5{
  font-family:'Fraunces',serif;
  color:var(--navy);
  line-height:1.15;
  margin:0 0 0.5em 0;
  font-weight:500;
}
a{color:var(--navy);}
img{max-width:100%; display:block;}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 24px;}
.eyebrow{
  display:inline-block;
  font-family:'Fraunces',serif;
  font-style:italic;
  color:var(--brass);
  font-size:0.95rem;
  letter-spacing:0.01em;
  margin-bottom:10px;
}
.arrow-link{
  display:inline-flex; align-items:center; gap:6px;
  color:var(--navy); text-decoration:none; font-weight:600; font-size:0.95rem;
  border-bottom:1px solid transparent;
  transition:border-color .15s ease, opacity .15s ease;
}
.arrow-link:hover{border-bottom-color:var(--navy);}
.arrow-link.brass{color:var(--brass);}
.arrow-link.brass:hover{border-bottom-color:var(--brass);}

/* ---------- Header / Nav ---------- */
header.site{
  position:sticky; top:0; z-index:40;
  background:rgba(251,249,245,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
.nav-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:16px 24px; max-width:var(--maxw); margin:0 auto;
}
.logo{
  display:flex; align-items:center; gap:10px;
  font-family:'Fraunces',serif; font-weight:600; font-size:1.25rem;
  color:var(--navy); text-decoration:none; letter-spacing:0.01em;
}
.logo img{border-radius:50%; flex-shrink:0;}
.logo span{color:var(--brass);}
.logo .logo-text{color:var(--navy);}
.logo .logo-text span{color:var(--brass);}
nav.links{display:flex; gap:26px; align-items:center;}
nav.links > a{
  text-decoration:none; color:var(--navy-ink); font-size:0.95rem; font-weight:500;
  opacity:0.85; transition:opacity .15s ease;
}
nav.links > a:hover{opacity:1;}
nav.links > a.current{color:var(--brass); opacity:1;}

/* Services dropdown (native <details>/<summary>, keyboard + touch accessible) */
.nav-dropdown{position:relative;}
.nav-dropdown summary{
  list-style:none; cursor:pointer;
  text-decoration:none; color:var(--navy-ink); font-size:0.95rem; font-weight:500;
  opacity:0.85; transition:opacity .15s ease;
  display:flex; align-items:center; gap:5px;
}
.nav-dropdown summary::-webkit-details-marker{display:none;}
.nav-dropdown summary:hover{opacity:1;}
.nav-dropdown summary.current{color:var(--brass); opacity:1;}
.nav-dropdown summary::after{
  content:"\25BE"; font-size:0.7rem; margin-left:2px; position:relative; top:1px;
}
.dropdown-panel{
  position:absolute; top:calc(100% + 14px); left:50%; transform:translateX(-50%);
  background:var(--white); border:1px solid var(--line); border-radius:12px;
  box-shadow:0 14px 34px rgba(18,49,77,0.14);
  padding:10px; display:flex; flex-direction:column; min-width:230px; z-index:50;
}
.dropdown-panel a{
  text-decoration:none; color:var(--navy-ink); font-size:0.92rem; font-weight:500;
  padding:9px 12px; border-radius:8px; white-space:nowrap;
  transition:background .12s ease, color .12s ease;
}
.dropdown-panel a:hover{background:var(--paper-warm); color:var(--navy);}
.nav-cta{
  background:var(--navy) !important; color:var(--white) !important; text-decoration:none;
  padding:10px 18px; border-radius:999px; font-size:0.9rem; font-weight:600 !important;
  white-space:nowrap; opacity:1 !important;
}
.nav-cta:hover{background:var(--navy-ink) !important;}
.nav-toggle{display:none;}
@media(max-width:760px){
  nav.links{display:none;}
  .nav-toggle{display:block; background:none; border:none; font-size:1.5rem; color:var(--navy); cursor:pointer;}
}

/* ---------- Breadcrumb ---------- */
.breadcrumb{padding:18px 0 0 0;}
.breadcrumb .wrap{display:flex; gap:18px;}

/* ---------- Hero ---------- */
.hero{padding:28px 0 56px 0;}
.hero h1{font-size:clamp(2rem, 4.2vw, 2.9rem); max-width:820px;}
.hero p.lede{font-size:1.15rem; color:var(--ink-soft); max-width:640px; margin:18px 0 28px 0;}
.hero-ctas{display:flex; gap:14px; flex-wrap:wrap; align-items:center;}
.btn-primary{
  background:var(--navy); color:var(--white); text-decoration:none;
  padding:14px 26px; border-radius:999px; font-weight:600; font-size:0.98rem;
  box-shadow:0 6px 18px rgba(18,49,77,0.18);
  transition:transform .15s ease, box-shadow .15s ease;
  display:inline-block; border:none; cursor:pointer;
}
.btn-primary:hover{transform:translateY(-1px); box-shadow:0 10px 22px rgba(18,49,77,0.24);}
.btn-ghost{
  border:1.5px solid var(--navy); color:var(--navy); text-decoration:none;
  padding:12.5px 24px; border-radius:999px; font-weight:600; font-size:0.98rem;
  display:inline-block; background:none; cursor:pointer;
}
.disclosure-line{font-size:0.85rem; color:var(--ink-soft); margin-top:22px; max-width:600px;}

/* ---------- Sections ---------- */
section{padding:56px 0;}
section.tinted{background:var(--paper-warm); border-top:1px solid var(--line); border-bottom:1px solid var(--line);}
.section-head{max-width:680px; margin-bottom:36px;}
.section-head h2{font-size:clamp(1.5rem, 2.6vw, 1.9rem);}
.section-head p{color:var(--ink-soft); font-size:1.02rem; margin-top:10px;}

/* ---------- Why / feature grid ---------- */
.why-grid{display:grid; grid-template-columns:1.3fr 1fr; gap:44px; align-items:start;}
@media(max-width:820px){ .why-grid{grid-template-columns:1fr;} }
.why-copy p{margin:0 0 16px 0; color:var(--navy-ink);}
.fact-cards{display:flex; flex-direction:column; gap:16px;}
.fact-card{background:var(--white); border:1px solid var(--line); border-radius:var(--radius); padding:20px 22px;}
.fact-card h5{
  font-family:'Public Sans',sans-serif; font-weight:700; color:var(--brass);
  text-transform:uppercase; letter-spacing:0.04em; font-size:0.78rem; margin-bottom:8px;
}
.fact-card p{margin:0; color:var(--navy-ink); font-size:0.97rem;}

/* ---------- Loan / service type cards ---------- */
.type-grid{display:grid; grid-template-columns:repeat(2, 1fr); gap:20px;}
@media(max-width:760px){ .type-grid{grid-template-columns:1fr;} }
.type-card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px 26px 24px 26px; position:relative; overflow:hidden;
}
.type-card::before{content:""; position:absolute; top:0; left:0; width:4px; height:100%; background:var(--brass-light);}
.type-tag{font-family:'Fraunces',serif; font-style:italic; color:var(--brass); font-size:0.88rem; display:block; margin-bottom:6px;}
.type-card h4{font-size:1.2rem; margin-bottom:10px;}
.type-card p{margin:0; color:var(--ink-soft); font-size:0.97rem;}

/* ---------- Trust / quote strip ---------- */
.trust{
  display:grid; grid-template-columns:auto 1fr; gap:28px; align-items:start;
  background:var(--navy); color:var(--paper); border-radius:20px; padding:38px 40px;
}
@media(max-width:700px){ .trust{grid-template-columns:1fr;} }
.trust .mark{
  width:56px; height:56px; border-radius:50%;
  flex-shrink:0; object-fit:cover;
  box-shadow:0 0 0 3px rgba(176,141,87,0.35);
}
.trust h3{color:var(--white); font-size:1.35rem;}
.trust p{color:#CBD8E4; margin:10px 0 0 0; font-size:1rem;}

/* ---------- FAQ ---------- */
.faq-list{display:flex; flex-direction:column;}
.faq-item{border-top:1px solid var(--line); padding:24px 0;}
.faq-item:last-child{border-bottom:1px solid var(--line);}
.faq-item h5{font-size:1.08rem; margin-bottom:8px;}
.faq-item p{margin:0 0 12px 0; color:var(--ink-soft);}
.faq-item p:last-child{margin-bottom:0;}
.faq-item em.note{font-style:italic; color:var(--ink-soft);}

/* ---------- Final CTA ---------- */
.final-cta{text-align:left; background:var(--paper-warm); border:1px solid var(--line); border-radius:20px; padding:44px 40px;}
.final-cta h2{font-size:clamp(1.5rem,2.8vw,2rem);}
.final-cta p{color:var(--ink-soft); max-width:560px; margin:12px 0 26px 0;}
.final-cta .ctas{display:flex; gap:14px; flex-wrap:wrap;}

/* ---------- Homepage: quote/about block ---------- */
.quote-block{
  background:var(--white); border:1px solid var(--line); border-radius:20px;
  padding:36px 40px; margin-bottom:36px;
}
.quote-block blockquote{
  font-family:'Fraunces',serif; font-style:italic; color:var(--navy);
  font-size:1.2rem; line-height:1.5; margin:0; padding:0;
  border-left:3px solid var(--brass-light); padding-left:20px;
}
.pillar-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:32px;}
@media(max-width:760px){ .pillar-grid{grid-template-columns:1fr;} }
.pillar{background:var(--white); border:1px solid var(--line); border-radius:var(--radius); padding:22px;}
.pillar h5{font-size:1rem; margin-bottom:8px; color:var(--navy);}
.pillar p{margin:0; color:var(--ink-soft); font-size:0.95rem;}

.credentials-row{
  display:flex; align-items:center; gap:22px; margin-top:28px;
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius); padding:22px 26px;
}
@media(max-width:600px){ .credentials-row{flex-direction:column; text-align:center;} }
.credentials-row img{flex-shrink:0;}
.credentials-row p{margin:0; color:var(--navy-ink); font-size:0.95rem; line-height:1.6;}

/* ---------- Homepage: services grid ---------- */
.service-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:20px;}
@media(max-width:900px){ .service-grid{grid-template-columns:repeat(2,1fr);} }
@media(max-width:600px){ .service-grid{grid-template-columns:1fr;} }
.service-card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:24px; display:flex; flex-direction:column; gap:10px;
}
.service-card h4{font-size:1.1rem;}
.service-card p{margin:0; color:var(--ink-soft); font-size:0.94rem; flex-grow:1;}

/* ---------- Homepage: guide path steps ---------- */
.step-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:20px;}
@media(max-width:820px){ .step-grid{grid-template-columns:repeat(2,1fr);} }
@media(max-width:520px){ .step-grid{grid-template-columns:1fr;} }
.step-card{position:relative; padding-top:6px;}
.step-num{
  display:inline-flex; align-items:center; justify-content:center;
  width:34px; height:34px; border-radius:50%; background:var(--navy); color:var(--white);
  font-family:'Fraunces',serif; font-size:1rem; margin-bottom:14px;
}
.step-card h5{font-size:1.02rem; margin-bottom:6px;}
.step-card p{margin:0; color:var(--ink-soft); font-size:0.92rem;}

/* ---------- Calculator widget ---------- */
.calc-box{background:var(--white); border:1px solid var(--line); border-radius:20px; padding:36px 40px;}
.calc-grid{display:grid; grid-template-columns:1fr 1fr; gap:36px; align-items:start;}
@media(max-width:760px){ .calc-grid{grid-template-columns:1fr;} }
.field{margin-bottom:18px;}
.field label{display:block; font-size:0.88rem; font-weight:600; color:var(--navy); margin-bottom:6px;}
.field input[type=text], .field select{
  width:100%; padding:11px 14px; border:1px solid var(--line); border-radius:8px;
  font-family:'Public Sans',sans-serif; font-size:0.98rem; background:var(--paper);
  color:var(--navy-ink);
}
.calc-result{background:var(--paper-warm); border-radius:var(--radius); padding:24px;}
.calc-result .big{font-family:'Fraunces',serif; font-size:2rem; color:var(--navy); margin:4px 0 18px 0;}
.calc-result .row{display:flex; justify-content:space-between; padding:8px 0; border-top:1px solid var(--line); font-size:0.95rem;}
.calc-result .row:first-of-type{border-top:none;}
.calc-note{font-size:0.85rem; color:var(--ink-soft); margin-top:16px;}

/* ---------- Insights grid ---------- */
.insight-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:20px;}
@media(max-width:820px){ .insight-grid{grid-template-columns:1fr;} }
.insight-card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:24px; text-decoration:none; display:flex; flex-direction:column; gap:8px;
  transition:box-shadow .15s ease, transform .15s ease;
}
.insight-card:hover{box-shadow:0 10px 24px rgba(18,49,77,0.08); transform:translateY(-2px);}
.insight-tag{font-size:0.78rem; font-weight:700; text-transform:uppercase; letter-spacing:0.04em; color:var(--brass);}
.insight-card h4{font-size:1.08rem; margin:2px 0 0 0;}
.insight-card p{margin:0; color:var(--ink-soft); font-size:0.92rem;}
.insight-meta{margin-top:auto; font-size:0.82rem; color:var(--ink-soft); padding-top:10px;}

/* ---------- Contact form ---------- */
.contact-grid{display:grid; grid-template-columns:1.1fr 0.9fr; gap:48px;}
@media(max-width:820px){ .contact-grid{grid-template-columns:1fr;} }
.form-row2{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
@media(max-width:500px){ .form-row2{grid-template-columns:1fr;} }
.field textarea{
  width:100%; padding:11px 14px; border:1px solid var(--line); border-radius:8px;
  font-family:'Public Sans',sans-serif; font-size:0.98rem; background:var(--paper);
  color:var(--navy-ink); resize:vertical; min-height:110px;
}
.contact-info{background:var(--navy); color:var(--paper); border-radius:20px; padding:36px;}
.contact-info h3{color:var(--white); font-size:1.2rem;}
.contact-info p{color:#CBD8E4; margin:10px 0 0 0; font-size:0.96rem;}
.contact-info .detail{margin-top:20px; display:flex; flex-direction:column; gap:10px;}
.contact-info a{color:var(--brass-light); text-decoration:none; font-weight:600;}

/* ---------- Article layout ---------- */
.article-head{max-width:720px;}
.article-tag{
  display:inline-flex; align-items:center; gap:8px; font-size:0.85rem; color:var(--ink-soft);
  margin-bottom:14px;
}
.article-tag .cat{color:var(--brass); font-weight:700; text-transform:uppercase; letter-spacing:0.04em; font-size:0.78rem;}
.article-body{max-width:720px;}
.article-body h2{font-size:1.4rem; margin-top:38px;}
.article-body p{margin:0 0 16px 0; color:var(--navy-ink);}
.article-body ul{margin:0 0 16px 0; padding-left:22px; color:var(--navy-ink);}
.article-body li{margin-bottom:10px;}
.callout{
  background:var(--paper-warm); border:1px solid var(--line); border-left:4px solid var(--brass-light);
  border-radius:10px; padding:18px 22px; margin:24px 0; font-size:0.95rem; color:var(--navy-ink);
}
.callout strong{color:var(--navy);}
.article-disclaimer{font-size:0.85rem; color:var(--ink-soft); border-top:1px solid var(--line); padding-top:18px; margin-top:32px;}

/* ---------- Footer ---------- */
footer.site{background:var(--navy); color:#CBD8E4; padding:56px 0 32px 0; margin-top:40px;}
.footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:32px;}
@media(max-width:820px){ .footer-grid{grid-template-columns:1fr 1fr; gap:28px;} }
@media(max-width:520px){ .footer-grid{grid-template-columns:1fr;} }
.footer-grid h4{color:var(--white); font-size:1rem; font-family:'Public Sans',sans-serif; font-weight:700; margin-bottom:14px;}
.footer-brand{
  display:flex; align-items:center; gap:10px;
  font-family:'Fraunces',serif; font-size:1.3rem; color:var(--white); margin-bottom:10px;
}
.footer-brand img{border-radius:50%; flex-shrink:0;}
.footer-brand .accent{color:var(--brass-light);}
.footer-grid p{color:#AFC0D1; font-size:0.92rem; max-width:280px;}
.footer-grid ul{list-style:none; padding:0; margin:0; display:flex; flex-direction:column; gap:10px;}
.footer-grid a{color:#CBD8E4; text-decoration:none; font-size:0.92rem;}
.footer-grid a:hover{color:var(--white);}
.footer-credentials{
  display:flex; align-items:center; gap:14px;
  border-top:1px solid rgba(255,255,255,0.12); margin-top:40px; padding-top:28px;
}
.footer-credentials img{border-radius:50%; flex-shrink:0;}
.footer-credentials p{color:#CBD8E4; font-size:0.88rem; margin:0; max-width:420px;}
.footer-legal{
  margin-top:20px; padding-top:0;
  font-size:0.82rem; color:#8CA0B4; line-height:1.7;
}
.footer-legal .rep-line{color:var(--brass-light); margin-bottom:10px;}

::selection{background:var(--brass-light); color:var(--white);}
:focus-visible{outline:3px solid var(--brass); outline-offset:2px;}