/* =========================================================
   My Future Mortgage — styles.css
   Clean, modern, responsive. Mobile-first.
   ========================================================= */

:root {
  /* My Future Mortgage real brand: lime-green #9BC53D + sky-blue #29B6F6 */
  --green-900: #4e6b1e;
  --green-700: #6f9b2c;
  --green-500: #9BC53D;
  --green-400: #b2d563;
  --blue-700: #0b86c4;
  --blue-500: #29B6F6;
  --blue-400: #5fc8f8;
  --ink: #16242b;
  --slate: #46555c;
  --mist: #6b7a80;
  --bg: #ffffff;
  --bg-alt: #f3f8ec;
  --bg-dark: #0e3a52;
  --line: #e6ecdd;
  --white: #ffffff;
  --shadow-sm: 0 2px 8px rgba(14, 58, 82, .06);
  --shadow-md: 0 8px 30px rgba(14, 58, 82, .10);
  --shadow-lg: 0 20px 60px rgba(14, 58, 82, .16);
  --radius: 16px;
  --radius-sm: 10px;
  --maxw: 1180px;
  --font-head: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.15; font-weight: 700; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }
.container.narrow { max-width: 820px; }
.center { text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem;
  padding: .8rem 1.5rem; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .15s ease, box-shadow .2s ease, background .2s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--blue-500); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--blue-700); box-shadow: var(--shadow-md); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--blue-700); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--blue-500); color: var(--blue-500); }
.btn-lg { padding: 1rem 1.9rem; font-size: 1.05rem; }
.btn-sm { padding: .55rem 1.1rem; font-size: .9rem; }
.btn-block { width: 100%; }

.eyebrow {
  display: inline-block; font-family: var(--font-head); font-weight: 700;
  font-size: .78rem; letter-spacing: .08em; text-transform: uppercase;
  color: var(--green-500); margin-bottom: .8rem;
}
.accent { color: var(--green-500); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.88); backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: .65rem; }
.brand-mark { border-radius: 12px; }
.brand-text { font-family: var(--font-head); font-weight: 700; font-size: 1.2rem; color: var(--blue-500); text-transform: uppercase; letter-spacing: .01em; }
.brand-text strong { color: var(--green-500); font-weight: 600; }
.main-nav { display: flex; align-items: center; gap: 1.8rem; }
.main-nav a { font-weight: 500; color: var(--slate); transition: color .2s; }
.main-nav a:hover { color: var(--green-500); }
.main-nav a.btn { color: #fff; }
.main-nav a.btn-primary:hover { color: #fff; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); border-radius: 2px; transition: .3s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { padding: clamp(3rem, 7vw, 6rem) 0; background:
  radial-gradient(1200px 500px at 80% -10%, rgba(56,193,172,.16), transparent 60%),
  linear-gradient(180deg, #fff 0%, var(--bg-alt) 100%); }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 3rem; align-items: center; }
.hero-copy h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); font-weight: 800; letter-spacing: -.02em; margin-bottom: 1.1rem; }
.lede { font-size: 1.18rem; color: var(--slate); max-width: 38ch; margin-bottom: 1.8rem; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.2rem; }
.trust-row { list-style: none; display: flex; gap: 2.2rem; }
.trust-row li { display: flex; flex-direction: column; }
.trust-row strong { font-family: var(--font-head); font-size: 1.5rem; font-weight: 800; color: var(--green-700); }
.trust-row span { font-size: .85rem; color: var(--mist); }

.hero-card { display: flex; justify-content: center; }
.rate-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 2rem; width: 100%; max-width: 380px; box-shadow: var(--shadow-lg);
}
.rate-card-label { font-size: .85rem; color: var(--mist); text-transform: uppercase; letter-spacing: .06em; }
.rate-card-value { font-family: var(--font-head); font-size: 1.5rem; color: var(--slate); margin: .3rem 0; }
.rate-card-value strong { font-size: 2.6rem; font-weight: 800; color: var(--green-500); }
.rate-card-sub { color: var(--mist); margin-bottom: 1.5rem; }
.rate-disclaimer { font-size: .72rem; color: var(--mist); margin-top: 1rem; line-height: 1.4; }

/* ---------- Sections ---------- */
.section { padding: clamp(3.5rem, 7vw, 6rem) 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--bg-dark); color: #dff2ec; }
.section-head { max-width: 640px; margin: 0 auto 3rem; text-align: center; }
.section-head h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 800; letter-spacing: -.02em; margin-bottom: .8rem; }
.section-sub { color: var(--slate); font-size: 1.08rem; }
.section-head.light h2 { color: #fff; }
.section-head.light .section-sub { color: #aacfc6; }

/* ---------- Service cards ---------- */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.svc-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.8rem; transition: transform .2s, box-shadow .2s, border-color .2s;
}
.svc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--green-400); }
.svc-icon { font-size: 1.9rem; width: 56px; height: 56px; display: grid; place-items: center;
  background: var(--bg-alt); border-radius: 14px; margin-bottom: 1rem; }
.svc-card h3 { font-size: 1.2rem; margin-bottom: .5rem; }
.svc-card p { color: var(--slate); font-size: .96rem; }
.card-link { display: inline-block; margin-top: .9rem; font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--blue-500); }
.card-link:hover { color: var(--blue-700); }

/* ---------- Alternative / B-Lenders ---------- */
.alt-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
.alt-intro, .alt-lenders { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.9rem; box-shadow: var(--shadow-sm); }
.alt-intro h3, .alt-lenders h3 { font-size: 1.3rem; margin-bottom: 1rem; }
.alt-list { list-style: none; display: flex; flex-direction: column; gap: .7rem; margin-bottom: 1.4rem; }
.alt-list li { color: var(--slate); font-size: .98rem; }
.alt-strategy { background: var(--bg-alt); border-left: 4px solid var(--green-500); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 1rem 1.2rem; font-size: .94rem; color: var(--slate); }
.alt-strategy strong { color: var(--green-700); }
.alt-lenders-sub { color: var(--mist); font-size: .92rem; margin-bottom: 1.2rem; }
.lender-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; margin-bottom: 1.4rem; }
.lender-chip { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: .7rem .9rem; display: flex; flex-direction: column; transition: border-color .2s, transform .15s; }
.lender-chip:hover { border-color: var(--green-400); transform: translateY(-2px); }
.lender-chip strong { font-family: var(--font-head); font-size: .92rem; color: var(--ink); }
.lender-chip span { font-size: .76rem; color: var(--mist); }

/* ---------- Article body (blog posts) ---------- */
.article-body { font-size: 1.06rem; color: var(--slate); line-height: 1.75; }
.article-body h2 { font-size: 1.5rem; color: var(--ink); margin: 2rem 0 .8rem; }
.article-body h3 { font-size: 1.2rem; color: var(--ink); margin: 1.5rem 0 .6rem; }
.article-body p { margin-bottom: 1.1rem; }
.article-body ul, .article-body ol { margin: 0 0 1.1rem 1.4rem; }
.article-body li { margin-bottom: .5rem; }
.article-body strong { color: var(--ink); }
.article-body a { color: var(--blue-500); text-decoration: underline; }

/* ---------- FAQ list (service pages) ---------- */
.faq-list { display: flex; flex-direction: column; gap: 1rem; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 1.3rem 1.5rem; box-shadow: var(--shadow-sm); }
.faq-item h3 { font-size: 1.08rem; margin-bottom: .5rem; color: var(--ink); }
.faq-item p { color: var(--slate); font-size: .96rem; }

/* ---------- Calculator ---------- */
.calc-wrap { display: grid; grid-template-columns: 1.2fr .8fr; gap: 2rem; align-items: start; }
.calc-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem; box-shadow: var(--shadow-sm); }
.field { display: flex; flex-direction: column; gap: .4rem; }
.field label { font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--ink); }
.field input, .field select {
  font-family: var(--font-body); font-size: 1rem; padding: .75rem .9rem;
  border: 1.5px solid var(--line); border-radius: var(--radius-sm); background: #fff; color: var(--ink);
  transition: border-color .2s, box-shadow .2s; width: 100%;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--green-500); box-shadow: 0 0 0 3px rgba(17,153,142,.12); }
.hint { font-size: .78rem; color: var(--mist); }

.calc-result { background: linear-gradient(160deg, var(--green-700), var(--green-900)); color: #fff;
  border-radius: var(--radius); padding: 1.8rem; box-shadow: var(--shadow-md); position: sticky; top: 90px; }
.calc-result-label { font-size: .85rem; color: #bfe6dc; text-transform: uppercase; letter-spacing: .06em; }
.calc-result-value { font-family: var(--font-head); font-size: 2.8rem; font-weight: 800; line-height: 1.1; }
.calc-result-freq { color: #bfe6dc; margin-bottom: 1rem; }
.calc-result hr { border: 0; border-top: 1px solid rgba(255,255,255,.18); margin: 1rem 0; }
.calc-breakdown { display: flex; flex-direction: column; gap: .6rem; margin-bottom: 1.4rem; }
.calc-breakdown div { display: flex; justify-content: space-between; font-size: .92rem; }
.calc-breakdown dt { color: #bfe6dc; }
.calc-breakdown dd { font-weight: 600; }
.calc-result .rate-disclaimer { color: #9fd3c7; }

/* ---------- Intake form ---------- */
.intake-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow-sm); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; margin-bottom: 1.2rem; }
.upload-placeholder { margin-bottom: 1.2rem; }
.upload-box { border: 2px dashed var(--line); border-radius: var(--radius-sm); padding: 1.8rem; text-align: center;
  cursor: pointer; transition: border-color .2s, background .2s; }
.upload-box:hover, .upload-box:focus { border-color: var(--green-500); background: var(--bg-alt); outline: none; }
.upload-ico { font-size: 1.6rem; }
.upload-box p { margin: .4rem 0 .2rem; color: var(--slate); }
.upload-box small { color: var(--mist); font-size: .8rem; }
.consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .9rem; color: var(--slate); margin-bottom: 1.4rem; }
.consent input { margin-top: .25rem; }
.form-note { margin-top: 1rem; padding: .9rem 1.1rem; border-radius: var(--radius-sm); background: #e6f6f1; color: var(--green-900); font-weight: 500; }
/* honeypot: hidden from humans, present for bots */
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Referral portal ---------- */
.portal-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 2rem; align-items: start; }
.portal-login, .portal-preview { background: #fff; color: var(--ink); border-radius: var(--radius); padding: 1.8rem; box-shadow: var(--shadow-md); }
.portal-login h3, .portal-preview h3 { font-size: 1.25rem; margin-bottom: 1.2rem; }
.portal-sub { font-size: .88rem; color: var(--mist); margin-top: .9rem; text-align: center; }
.portal-sub a { color: var(--green-500); font-weight: 600; }
.preview-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.2rem; }
.preview-tag { font-size: .72rem; font-weight: 600; color: var(--green-700); background: #e6f6f1; padding: .25rem .7rem; border-radius: 999px; }
.deal { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 1rem 1.1rem; margin-bottom: 1rem; }
.deal-top { display: flex; justify-content: space-between; flex-wrap: wrap; gap: .4rem; margin-bottom: .9rem; }
.deal-client { font-weight: 600; }
.deal-amount { font-family: var(--font-head); font-weight: 700; color: var(--green-700); font-size: .92rem; }
.stage-track { display: flex; flex-wrap: wrap; gap: .35rem; }
.step { font-size: .72rem; padding: .3rem .6rem; border-radius: 999px; background: var(--bg-alt); color: var(--mist); position: relative; }
.step.done { background: #d8f0e9; color: var(--green-700); }
.step.active { background: var(--green-500); color: #fff; font-weight: 600; box-shadow: 0 0 0 3px rgba(17,153,142,.18); }
.portal-note { font-size: .78rem; color: var(--mist); margin-top: .6rem; }

/* ---------- Contact ---------- */
.contact-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #b9c7c2; padding: 3.5rem 0 1.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2rem; margin-bottom: 2rem; }
.footer-brand .brand-text { color: #fff; }
.footer-blurb { font-size: .9rem; margin-top: .8rem; max-width: 28ch; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 1rem; }
.site-footer a { display: block; color: #b9c7c2; font-size: .92rem; margin-bottom: .5rem; transition: color .2s; }
.site-footer a:hover { color: var(--green-400); }
.footer-licence { font-size: .8rem; color: #8aa39c; margin-top: .5rem; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); padding-top: 1.5rem; }
.footer-legal p { font-size: .78rem; color: #8aa39c; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-card { order: -1; }
  .cards-grid { grid-template-columns: 1fr 1fr; }
  .calc-wrap, .portal-grid, .alt-layout { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .main-nav { position: fixed; inset: 72px 0 auto 0; flex-direction: column; align-items: stretch;
    background: #fff; padding: 1rem 22px 1.5rem; gap: 1rem; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md); transform: translateY(-120%); transition: transform .3s ease; }
  .main-nav.open { transform: translateY(0); }
  .nav-toggle { display: flex; }
  .cards-grid, .calc-inputs, .form-row { grid-template-columns: 1fr; }
  .trust-row { gap: 1.4rem; }
  .footer-grid { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) { * { scroll-behavior: auto; transition: none !important; } }