/* Unified Mortgage LLC — site styles */
:root{
  --navy:#0e2a47;
  --navy-2:#163a5f;
  --blue:#1f6fb2;
  --accent:#e0a526;
  --accent-dark:#c38b12;
  --ink:#1d2733;
  --muted:#5b6876;
  --line:#e2e7ee;
  --bg:#ffffff;
  --bg-soft:#f4f7fb;
  --radius:10px;
  --shadow:0 6px 24px rgba(14,42,71,.10);
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Open Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
h1,h2,h3,h4,h5{font-family:"Montserrat","Open Sans",system-ui,sans-serif;line-height:1.25;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4vw,2.8rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:1.25rem}
h2 strong,h3 strong{color:var(--blue)}
p{margin:0 0 1em}
a{color:var(--blue)}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}

/* top bar */
.topbar{background:var(--navy);color:#dfe8f3;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;min-height:40px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar .contact-bits{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.topbar .phone{font-weight:700;letter-spacing:.3px}
@media (max-width:600px){.topbar .social,.topbar .contact-bits span:last-child{display:none}.topbar .wrap{min-height:36px;flex-wrap:nowrap}}
.social{display:flex;gap:10px}
.social a{display:inline-flex;width:28px;height:28px;border-radius:50%;background:rgba(255,255,255,.12);align-items:center;justify-content:center}
.social a:hover{background:var(--accent)}
.social svg{width:14px;height:14px;fill:#fff}

/* header / nav */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo img{height:52px;width:auto}
.logo .mark{width:44px;height:44px;flex:none}
.logo .name{font-family:"Montserrat",sans-serif;font-weight:800;color:var(--navy);font-size:1.25rem;line-height:1.05}
.logo .name span{display:block;font-weight:600;font-size:.72rem;letter-spacing:2.5px;color:var(--blue);text-transform:uppercase}
nav.main ul{list-style:none;margin:0;padding:0}
nav.main>ul{display:flex;gap:2px;align-items:center}
nav.main li{position:relative}
nav.main a{display:block;padding:10px 12px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem;border-radius:6px}
nav.main a:hover,nav.main li.active>a{color:var(--blue)}
nav.main .has-sub>a::after{content:"";display:inline-block;margin-left:6px;border:4px solid transparent;border-top-color:currentColor;vertical-align:-2px}
nav.main .sub{position:absolute;left:0;top:100%;min-width:230px;background:#fff;box-shadow:var(--shadow);border-radius:8px;padding:8px;display:none;border-top:3px solid var(--accent)}
nav.main li:hover>.sub,nav.main li:focus-within>.sub{display:block}
nav.main .sub a{font-weight:500;padding:8px 12px}
nav.main .sub a:hover{background:var(--bg-soft)}
nav.main a.btn-apply{background:var(--accent);color:var(--navy)}
nav.main a.btn-apply:hover{background:var(--accent-dark);color:#fff}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-weight:700;color:var(--navy);cursor:pointer}

@media (max-width:980px){
  .menu-toggle{display:block}
  nav.main{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);display:none;max-height:75vh;overflow:auto}
  nav.main.open{display:block}
  nav.main>ul{flex-direction:column;align-items:stretch;padding:10px 16px}
  nav.main .sub{position:static;box-shadow:none;border-top:0;padding:0 0 0 14px;display:none}
  nav.main li.open>.sub{display:block}
  nav.main li:hover>.sub{display:none}
  nav.main li.open:hover>.sub{display:block}
}

/* buttons */
.btn{display:inline-block;padding:13px 26px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:.15s}
.btn-primary{background:var(--accent);color:var(--navy)}
.btn-primary:hover{background:var(--accent-dark);color:#fff}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--navy)}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-ghost{border-color:var(--blue);color:var(--blue);background:transparent}
.btn-ghost:hover{background:var(--blue);color:#fff}

/* hero */
.hero{background:linear-gradient(120deg,rgba(14,42,71,.94),rgba(31,111,178,.86)),url("hero.svg") center/cover;color:#fff;padding:64px 0}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{color:#fff}
.hero p.lead{font-size:1.15rem;color:#e3ecf7;max-width:36em}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.hero ul.checks{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:8px}
.hero ul.checks li::before{content:"✓";color:var(--accent);font-weight:800;margin-right:10px}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}}

/* quote card (replaces live rates) */
.quote-card{background:#fff;color:var(--ink);border-radius:14px;box-shadow:0 18px 40px rgba(0,0,0,.25);padding:26px}
.quote-card h3{margin-bottom:4px}
.quote-card .sub{color:var(--muted);font-size:.92rem;margin-bottom:16px}
.tabs{display:flex;background:var(--bg-soft);border-radius:999px;padding:4px;margin-bottom:16px}
.tabs label{flex:1;text-align:center;padding:9px;border-radius:999px;font-weight:700;color:var(--navy);cursor:pointer}
.tabs input{position:absolute;opacity:0;pointer-events:none}
.tabs input:checked+span{background:var(--navy);color:#fff}
.tabs label span{display:block;border-radius:999px;padding:8px}
.tabs label{padding:0}
.step{display:none}
.step.active{display:block}
.step-dots{display:flex;gap:6px;margin:6px 0 14px}
.step-dots i{flex:1;height:4px;background:var(--line);border-radius:4px}
.step-dots i.on{background:var(--accent)}

/* forms */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid .full{grid-column:1/-1}
@media (max-width:560px){.form-grid{grid-template-columns:1fr}}
label.f{display:block;font-weight:600;font-size:.88rem;color:var(--navy)}
label.f input,label.f select,label.f textarea{display:block;width:100%;margin-top:5px;padding:11px 12px;border:1px solid #cfd7e2;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
label.f textarea{min-height:130px;resize:vertical}
label.f input:focus,label.f select:focus,label.f textarea:focus{outline:2px solid rgba(31,111,178,.35);border-color:var(--blue)}
.hp{position:absolute;left:-9999px}
.form-note{font-size:.82rem;color:var(--muted);margin-top:10px}
.form-actions{display:flex;justify-content:space-between;gap:10px;margin-top:16px}

/* sections */
section{padding:64px 0}
section.soft{background:var(--bg-soft)}
.section-head{text-align:center;max-width:720px;margin:0 auto 38px}
.section-head p{color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:32px}
@media (max-width:900px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 2px 8px rgba(14,42,71,.04)}
.card .icon{width:54px;height:54px;border-radius:12px;background:rgba(31,111,178,.10);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card .icon svg{width:28px;height:28px;stroke:var(--blue);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card h3{margin-bottom:8px}
.card p{color:var(--muted)}
.card .btn{margin-top:6px}

/* cta band */
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band h2 strong{color:var(--accent)}
.cta-band p{color:#d4e0ee;max-width:760px;margin:0 auto 22px}
.cta-band .actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* testimonials */
.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:900px){.testimonials{grid-template-columns:1fr}}
.quote{background:#fff;border-radius:var(--radius);padding:26px;border:1px solid var(--line);position:relative}
.quote::before{content:"\201C";position:absolute;top:-6px;left:18px;font-size:4rem;color:var(--accent);font-family:Georgia,serif;line-height:1}
.quote p{font-style:italic;color:var(--ink);margin-top:18px}
.quote .who{font-weight:700;color:var(--navy)}

/* page header */
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:46px 0 38px}
.page-hero h1{color:#fff;margin-bottom:6px}
.crumbs{font-size:.88rem;color:#c5d3e4}
.crumbs a{color:#fff;text-decoration:none}

/* content */
.content{display:grid;grid-template-columns:1fr 360px;gap:44px;align-items:start}
@media (max-width:960px){.content{grid-template-columns:1fr}}
.content aside .card{position:sticky;top:96px}
.prose h3{margin-top:1.6em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.35em}
.callout{background:var(--bg-soft);border-left:4px solid var(--accent);padding:16px 20px;border-radius:0 8px 8px 0;margin:20px 0}

/* loan compare */
.loan-card ul{padding-left:1.1em;color:var(--ink)}
.loan-card .actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}

/* faq */
details.faq{border:1px solid var(--line);border-radius:8px;margin-bottom:10px;background:#fff}
details.faq summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:46px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:20px;top:12px;font-size:1.4rem;color:var(--blue)}
details.faq[open] summary::after{content:"–"}
details.faq .a{padding:0 20px 16px;color:var(--muted)}

/* glossary */
dl.glossary dt{font-weight:700;color:var(--navy);margin-top:16px}
dl.glossary dd{margin:4px 0 0;color:var(--muted)}

/* calculators */
.calc-nav{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.calc-nav a{padding:9px 16px;border-radius:999px;border:1px solid var(--line);text-decoration:none;color:var(--navy);font-weight:600;font-size:.92rem;background:#fff}
.calc-nav a:hover{border-color:var(--blue);color:var(--blue)}
.calc{scroll-margin-top:100px;margin-bottom:34px}
.calc .results{background:var(--bg-soft);border-radius:10px;padding:18px;margin-top:18px;display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}
.calc .results div{background:#fff;border-radius:8px;padding:12px 14px;border:1px solid var(--line)}
.calc .results small{display:block;color:var(--muted);font-size:.8rem}
.calc .results b{font-size:1.25rem;color:var(--navy)}
.calc .msg{color:var(--muted);font-size:.9rem;margin-top:10px}
.table-scroll{overflow-x:auto;margin-top:16px}
table.amort{width:100%;border-collapse:collapse;font-size:.9rem}
table.amort th,table.amort td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
table.amort th:first-child,table.amort td:first-child{text-align:left}
table.amort th{background:var(--navy);color:#fff;position:sticky;top:0}

/* contact */
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{padding:10px 0;border-bottom:1px solid var(--line)}
.map{border:0;width:100%;height:360px;border-radius:var(--radius);margin-top:24px}

/* footer */
.site-footer{background:#0a1f36;color:#b9c7d8;font-size:.92rem;padding:54px 0 0}
.site-footer h5{color:#fff;text-transform:uppercase;letter-spacing:1.5px;font-size:.82rem;margin-bottom:14px}
.site-footer a{color:#dfe8f3}
.footer-grid{display:grid;grid-template-columns:1.3fr 1.4fr 1fr;gap:36px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr}}
.footer-grid .logo .name{color:#fff}
.footer-grid .logo .name span{color:var(--accent)}
.badges{display:flex;gap:14px;align-items:center;margin-top:14px}
.badges a,.badges span{display:inline-flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font-size:.8rem;font-weight:700;border:1px solid rgba(255,255,255,.25);border-radius:6px;padding:6px 10px}
.badges svg{width:22px;height:22px;fill:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding:18px 0;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.footer-bottom nav a{margin-right:14px;text-decoration:none;font-size:.82rem;text-transform:uppercase;letter-spacing:1px}
.to-top{position:fixed;right:18px;bottom:18px;width:44px;height:44px;border-radius:50%;background:var(--accent);color:var(--navy);display:none;align-items:center;justify-content:center;text-decoration:none;font-weight:800;box-shadow:var(--shadow);z-index:40}
.to-top.show{display:flex}
.notice{padding:14px 18px;border-radius:8px;margin-bottom:18px;font-weight:600}
.notice.ok{background:#e6f5ea;color:#1d6b35}
.notice.err{background:#fdecec;color:#9b1c1c}
nav.main li.active>a.btn-apply{color:var(--navy)}
.logo img{height:56px;width:auto}
.logo.on-dark{display:inline-block;background:#fff;border-radius:10px;padding:10px 14px}
.logo.on-dark img{height:50px}
@media (max-width:600px){.logo img{height:44px}}
.logo img{height:64px}@media (max-width:600px){.logo img{height:46px}}
.logo.on-dark{background:transparent;padding:0;border-radius:0}
.logo.on-dark img{height:58px}