/* Preston Sumner, Mortgage Loan Originator — shared styles */
:root{
  --night:#122130; --night-2:#1B2E40; --night-3:#26405A;
  --brass:#B7853A; --brass-l:#D6A95C; --brass-d:#855C20;
  --paper:#EEF1F3; --line:#D9DFE4; --white:#FFFFFF;
  --ink:#16202A; --soft:#4F5E6B; --soft-l:#7D8B98;
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Jost',system-ui,-apple-system,'Segoe UI',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto;}*{transition:none!important;}}
body{font-family:var(--sans);font-weight:300;font-size:17px;line-height:1.7;color:var(--ink);
  background:var(--white);-webkit-font-smoothing:antialiased;}
h1,h2,h3{font-family:var(--serif);font-weight:500;line-height:1.12;letter-spacing:-0.01em;}
a{color:inherit;}
img{display:block;max-width:100%;}
strong{font-weight:500;}
.wrap{max-width:1140px;margin:0 auto;padding:0 6%;}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px;border-radius:3px;}
.skip{position:absolute;left:-9999px;top:0;background:var(--brass);color:var(--night);padding:10px 16px;z-index:200;}
.skip:focus{left:12px;top:12px;}

/* ── Pre-launch banner ───────────────── */
.prelaunch-banner{background:#7A1F1F;color:#FFF3E6;
  font-size:13.5px;line-height:1.5;border-bottom:1px solid #5C1616;}
.prelaunch-in{padding:10px 6%;}
.prelaunch-banner strong{color:#FFD9A0;margin-right:6px;}
@media (max-width:640px){.prelaunch-in{font-size:12.5px;}}

/* ── Nav ─────────────────────────────── */
.nav{position:sticky;top:0;z-index:80;background:rgba(255,255,255,0.97);border-bottom:1px solid var(--line);
  backdrop-filter:blur(8px);}
.nav-in{max-width:1200px;margin:0 auto;padding:12px 5%;display:flex;align-items:center;
  justify-content:space-between;gap:20px;}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;}
.brand-mark{width:40px;height:40px;border-radius:50%;object-fit:cover;object-position:center 20%;
  flex-shrink:0;display:block;box-shadow:0 0 0 2px var(--brass-l);}
.brand-text{display:flex;flex-direction:column;line-height:1.2;}
.brand-name{font-family:var(--serif);font-size:21px;font-weight:500;color:var(--ink);}
.brand-lic{font-size:12px;color:var(--soft-l);}
.nav-links{display:flex;align-items:center;gap:4px;}
.nav-links a{font-size:15px;font-weight:400;color:var(--ink);text-decoration:none;padding:8px 13px;
  border-radius:6px;transition:background .18s,color .18s;}
.nav-links a:hover{background:var(--paper);}
.nav-links a[aria-current="page"]{color:var(--brass-d);font-weight:500;}
.nav-links .nav-call{background:var(--night);color:var(--white);font-weight:500;margin-left:8px;}
.nav-links .nav-call:hover{background:var(--night-3);}
.nav-burger{display:none;background:none;border:0;cursor:pointer;padding:8px;}
.nav-burger span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;}

/* ── Buttons ─────────────────────────── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;
  font-family:var(--sans);font-size:16px;font-weight:500;line-height:1.2;text-align:center;text-decoration:none;
  padding:14px 28px;border-radius:8px;border:0;cursor:pointer;background:var(--brass);color:var(--night);
  transition:background .2s;}
.btn:hover{background:var(--brass-l);}
.btn:disabled{opacity:.6;cursor:progress;}
.btn-line{background:transparent;color:var(--white);box-shadow:inset 0 0 0 1.5px rgba(255,255,255,0.45);}
.btn-line:hover{background:rgba(255,255,255,0.08);}
.btn-dark{background:var(--night);color:var(--white);}
.btn-dark:hover{background:var(--night-3);}
.btn-ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px #C6CFD6;}
.btn-ghost:hover{background:var(--paper);}

/* ── Hero ────────────────────────────── */
.hero{background:var(--night);color:var(--white);padding:72px 0 80px;}
.hero-grid{display:grid;grid-template-columns:1fr minmax(0,470px);gap:56px;align-items:center;}
.hero h1{font-size:clamp(34px,4.6vw,56px);max-width:17ch;}
.hero-sub{margin-top:20px;font-size:19px;max-width:48ch;color:rgba(255,255,255,0.8);}
.ctas{margin-top:30px;display:flex;flex-wrap:wrap;gap:14px;align-items:center;}
.hero-trust{margin-top:30px;font-size:14px;color:rgba(255,255,255,0.55);max-width:52ch;}
.page-hero{background:var(--night);color:var(--white);padding:64px 0 60px;}
.page-hero h1{font-size:clamp(34px,4.4vw,52px);max-width:20ch;}
.page-hero p{margin-top:16px;font-size:19px;max-width:56ch;color:rgba(255,255,255,0.8);}

/* ── Prequalification estimator ─────── */
.pq{background:var(--white);color:var(--ink);border-radius:16px;padding:30px 28px;
  box-shadow:0 24px 60px -24px rgba(0,0,0,0.45);scroll-margin-top:90px;}
.pq h2{font-size:26px;}
.pq-count{font-size:13px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--brass-d);margin-bottom:6px;}
.pq-sub{margin-top:6px;font-size:15.5px;color:var(--soft);}
.pq-grid{margin-top:20px;display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:end;}
.pq-grid .consent,.pq-grid .pq-rate{align-self:start;}
.pq-grid .full{grid-column:1/-1;}
.ff label span{display:block;font-size:12.5px;color:var(--soft-l);margin-top:1px;}
.pq .ff label{min-height:0;}
.money{position:relative;}
.money::before{content:"$";position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--soft);pointer-events:none;}
.ff .money input{padding-left:28px;}
.pq-rate-top{display:flex;justify-content:space-between;align-items:baseline;}
.pq-rate-top label{margin:0;}
.pq-rate output{font-family:var(--serif);font-size:24px;color:var(--brass-d);}
.pq input[type=range]{--fill:50%;width:100%;height:28px;margin-top:4px;background:transparent;-webkit-appearance:none;appearance:none;cursor:pointer;}
.pq input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;
  background:linear-gradient(to right,var(--brass) var(--fill),var(--line) var(--fill));}
.pq input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:var(--line);}
.pq input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--brass);}
.pq input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;margin-top:-9px;border-radius:50%;
  background:var(--white);border:3px solid var(--brass);box-shadow:0 1px 4px rgba(0,0,0,.25);}
.pq input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--white);border:3px solid var(--brass);}
.pq-help{margin-top:6px;font-size:12.5px;line-height:1.5;color:var(--soft-l);}
.pq .btn{width:100%;}
.pq-next{margin-top:22px;}
.pq-actions{margin-top:22px;display:grid;grid-template-columns:1fr 2fr;gap:12px;}
.pq-next-box .pq-actions{grid-template-columns:1fr 1fr;margin-top:16px;}
.pq .consent{margin-top:2px;}
.pq-result:focus{outline:none;}
.pq-price{font-family:var(--serif);font-size:clamp(40px,6vw,52px);line-height:1.05;color:var(--ink);}
.pq-price-cap{font-size:15px;color:var(--soft);}
.pq-stats{margin-top:20px;display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:10px;}
.pq-stats div{padding:12px 14px;}
.pq-stats div+div{border-left:1px solid var(--line);}
.pq-stats dt{font-size:12.5px;color:var(--soft);line-height:1.35;}
.pq-stats dd{margin-top:4px;font-size:18px;font-weight:500;}
.pq-note{margin-top:14px;font-size:14.5px;line-height:1.55;color:var(--soft);white-space:pre-line;}
.pq-next-box{margin-top:20px;padding:20px;border-radius:12px;background:var(--paper);}
.pq-next-box h3{font-size:21px;}
.pq-next-box p{margin-top:6px;font-size:15px;color:var(--soft);}
.pq-edit{margin-top:16px;background:none;border:0;padding:4px 0;font:inherit;font-size:14.5px;color:var(--brass-d);
  text-decoration:underline;text-underline-offset:4px;cursor:pointer;}
.pq-fine{margin-top:12px;font-size:12px;line-height:1.55;color:var(--soft-l);}
[hidden]{display:none!important;}

/* ── Sections ────────────────────────── */
section{padding:88px 0;}
.paper{background:var(--paper);}
.dark{background:var(--night);color:var(--white);}
.kicker{font-size:15px;font-weight:500;color:var(--brass-d);margin-bottom:10px;}
.dark .kicker{color:var(--brass-l);}
.title{font-size:clamp(30px,3.8vw,44px);max-width:22ch;}
.intro{margin-top:16px;max-width:60ch;color:var(--soft);}
.dark .intro{color:rgba(255,255,255,0.75);}
.prose p{margin-top:14px;max-width:64ch;color:var(--soft);}
.prose h2{font-size:30px;margin-top:44px;}
.prose h2:first-child{margin-top:0;}
.prose ul{margin:14px 0 0 1.2em;max-width:62ch;color:var(--soft);}
.prose li{margin-top:6px;}

/* Loan list: two-column rows, not a card grid */
.loans{margin-top:44px;border-top:1px solid var(--line);}
.loan{display:grid;grid-template-columns:260px 1fr auto;gap:28px;align-items:baseline;
  padding:24px 0;border-bottom:1px solid var(--line);}
.loan h3{font-size:24px;}
.loan p{color:var(--soft);max-width:58ch;}
.loan a{font-size:15px;font-weight:500;color:var(--brass-d);text-decoration:none;white-space:nowrap;}
.see-all{margin-top:28px;}
.see-all a{font-weight:600;color:var(--brass-d);text-decoration:none;}
.see-all a:hover{text-decoration:underline;text-underline-offset:4px;}
.services-fine{margin-top:28px;font-size:13px;line-height:1.55;color:var(--soft-l);max-width:80ch;}
.loan a:hover{text-decoration:underline;text-underline-offset:4px;}
.loan.featured{background:var(--white);margin:0 -24px;padding:28px 24px;border:1px solid var(--line);
  border-left:4px solid var(--brass);border-radius:0 10px 10px 0;}

/* Process steps (a real sequence) */
.steps{margin-top:44px;display:grid;grid-template-columns:repeat(5,1fr);gap:0;counter-reset:s;}
.step{position:relative;padding:0 20px 0 0;}
.step::before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;
  width:40px;height:40px;border-radius:50%;background:var(--night);color:var(--brass-l);
  font-family:var(--serif);font-size:18px;position:relative;z-index:1;}
.step::after{content:"";position:absolute;top:20px;left:40px;right:0;height:1px;background:var(--line);}
.step:last-child::after{display:none;}
.step h3{font-size:20px;margin-top:16px;}
.step p{margin-top:6px;font-size:15px;color:var(--soft);}

/* Meet */
.meet{display:grid;grid-template-columns:320px 1fr;gap:56px;align-items:center;}
.meet img{width:320px;height:320px;border-radius:50%;object-fit:cover;object-position:50% 30%;
  border:5px solid var(--brass);}
.meet h2{font-size:clamp(30px,3.8vw,44px);}
.meet p{margin-top:14px;max-width:58ch;color:rgba(255,255,255,0.78);}
.meet .lead{font-size:19px;color:rgba(255,255,255,0.92);}
.meet .btn{margin-top:26px;}

/* About page */
.about-grid{display:grid;grid-template-columns:380px 1fr;gap:60px;align-items:start;}
.about-photo{border-radius:14px;width:100%;aspect-ratio:678/910;object-fit:cover;}
.about-photo-cap{margin-top:10px;font-size:14px;color:var(--soft-l);}
.cred{margin-top:32px;border:1px solid var(--line);border-radius:12px;padding:22px 24px;background:var(--paper);}
.cred dl{display:grid;grid-template-columns:max-content 1fr;gap:8px 20px;font-size:16px;}
.cred dt{color:var(--soft);}
.cred dd{font-weight:400;}
.principles{margin-top:40px;display:grid;grid-template-columns:1fr 1fr;gap:28px 40px;}
.principles h3{font-size:22px;}
.principles p{margin-top:6px;color:var(--soft);}

/* Compare table */
.table-scroll{margin-top:36px;overflow-x:auto;border:1px solid var(--line);border-radius:12px;}
table.compare{width:100%;border-collapse:collapse;min-width:680px;font-size:15.5px;}
.compare th,.compare td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top;}
.compare thead th{font-family:var(--serif);font-size:19px;font-weight:500;background:var(--paper);}
.compare thead th:nth-child(2){background:var(--night);color:var(--white);}
.compare tbody th{font-weight:500;color:var(--soft);width:22%;}
.compare tbody td:nth-child(2){background:rgba(183,133,58,0.07);}
.compare tr:last-child th,.compare tr:last-child td{border-bottom:0;}

/* FAQ */
.faq-list{margin-top:36px;max-width:860px;}
.faq-group{margin-top:48px;}
.faq-group h2{font-size:28px;margin-bottom:10px;}
details{border-top:1px solid var(--line);}
details:last-child{border-bottom:1px solid var(--line);}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:18px;
  padding:20px 0;font-family:var(--serif);font-size:21px;font-weight:500;}
summary::-webkit-details-marker{display:none;}
summary::after{content:"+";font-family:var(--sans);font-weight:300;font-size:28px;color:var(--brass-d);
  flex-shrink:0;transition:transform .2s;}
details[open] summary::after{transform:rotate(45deg);}
details .ans{padding:0 0 22px;color:var(--soft);max-width:66ch;}
details .ans p+p{margin-top:10px;}

/* ── Forms ───────────────────────────── */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:32px 30px;color:var(--ink);}
.form-card h2{font-size:28px;}
.form-card .sub{margin-top:6px;color:var(--soft);font-size:16px;}
.fgrid{margin-top:22px;display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.fgrid .full{grid-column:1/-1;}
.ff label{display:block;font-size:14.5px;font-weight:400;margin-bottom:6px;color:var(--soft);}
.ff input,.ff select,.ff textarea{width:100%;font:inherit;font-size:16px;font-weight:400;color:var(--ink);
  padding:12px 13px;border:1px solid #C6CFD6;border-radius:8px;background:var(--white);}
.ff textarea{min-height:110px;resize:vertical;}
.ff input:focus,.ff select:focus,.ff textarea:focus{outline:2px solid var(--brass);outline-offset:0;border-color:var(--brass);}
.consent{display:grid;grid-template-columns:22px 1fr;gap:10px;font-size:13.5px;line-height:1.55;color:var(--soft);}
.consent input{width:18px;height:18px;margin-top:2px;accent-color:var(--night);}
.form-card .btn{margin-top:22px;width:100%;}
.form-fine{margin-top:14px;font-size:13px;color:var(--soft-l);}
.apply-nudge{margin-top:16px;padding-top:14px;border-top:1px solid rgba(0,0,0,.08);font-size:15px;color:var(--soft);text-align:center;}
.apply-nudge a{font-weight:600;color:var(--brass-d);}
.hp{position:absolute;left:-9999px;}
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:56px;align-items:start;}
.contact-side h2{font-size:30px;}
.contact-side p{margin-top:12px;color:var(--soft);}
.contact-line{margin-top:28px;padding-top:22px;border-top:1px solid var(--line);}
.contact-line .k{font-size:14px;color:var(--soft-l);}
.contact-line a{font-family:var(--serif);font-size:28px;text-decoration:none;}
.contact-line a:hover{color:var(--brass-d);}

/* Split section: text + quick form */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}

/* Final CTA */
.final{background:var(--brass);color:var(--night);text-align:center;padding:80px 0;}
.final h2{font-size:clamp(30px,4vw,46px);max-width:22ch;margin:0 auto;}
.final p{margin:16px auto 0;max-width:50ch;}
.final .ctas{justify-content:center;}

/* ── Footer ──────────────────────────── */
.foot{background:#0C1722;color:rgba(255,255,255,0.7);padding:52px 0 40px;font-size:14px;}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px;}
.foot h3{font-family:var(--serif);font-size:20px;color:var(--white);}
.foot a{color:rgba(255,255,255,0.85);}
.foot ul{list-style:none;}
.foot li{margin-top:6px;}
.foot-legal{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,0.1);
  font-size:12.5px;line-height:1.65;color:rgba(255,255,255,0.5);}
.eho{display:inline-flex;align-items:center;gap:8px;margin-top:12px;color:rgba(255,255,255,0.75);}
.eho svg{width:26px;height:26px;}

/* ── Responsive ──────────────────────── */
@media (min-width:981px){ .hide-lg{display:none;} }
@media (max-width:980px){
  .hero-grid,.split,.contact-grid,.about-grid{grid-template-columns:1fr;gap:40px;}
  .hero{padding:48px 0 56px;}
  /* Phones: the lead capture comes first — headline, then the form, then the call button */
  .hero{padding:28px 0 40px;}
  .hero-grid{gap:0;}
  .hero-grid > div:first-child{display:contents;}
  .hero h1{order:1;font-size:32px;max-width:none;margin-bottom:18px;}
  .hero .pq{order:2;}
  .hero .ctas{order:3;margin-top:22px;}
  .hero .hero-trust{order:4;margin-top:18px;}
  .hero .hero-sub,.hero .ctas .btn:not(.btn-line){display:none;}
  .steps{grid-template-columns:1fr;gap:26px;}
  .step{padding:0 0 0 58px;}
  .step::before{position:absolute;left:0;top:0;}
  .step::after{top:40px;bottom:-26px;left:20px;right:auto;width:1px;height:auto;}
  .step h3{margin-top:6px;}
  .loan{grid-template-columns:1fr;gap:6px;}
  .meet{grid-template-columns:1fr;text-align:left;}
  .meet img{width:200px;height:200px;}
  .about-photo{max-width:380px;}
  .foot-grid{grid-template-columns:1fr 1fr;gap:28px;}
  .foot-grid>div:first-child{grid-column:1/-1;}
}
@media (max-width:860px){
  .nav-burger{display:block;}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);
    flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid var(--line);
    box-shadow:0 12px 24px -12px rgba(0,0,0,.2);}
  .nav-links.open{display:flex;}
  .nav-links a{padding:13px 10px;}
  .nav-links .nav-call{margin:8px 0 0;text-align:center;}
}
@media (max-width:560px){
  body{font-size:16px;}
  .wrap{padding:0 20px;}
  .nav-in{padding:10px 16px;}
  .brand-name{font-size:19px;}
  .brand-lic{font-size:11px;white-space:nowrap;}
  section{padding:60px 0;}
  .hero h1{font-size:27px;}
  .hero-sub{font-size:17px;}
  .ctas{flex-direction:column;align-items:stretch;}
  .ctas .btn{width:100%;}
  .title{font-size:30px;}
  .fgrid,.pq-grid,.principles{grid-template-columns:1fr;}
  .form-card{padding:24px 18px;}
  .pq{padding:24px 18px;margin:0 -4px;}
  .pq-stats{grid-template-columns:1fr;}
  .pq-stats div{display:flex;justify-content:space-between;align-items:baseline;gap:12px;}
  .pq-stats div+div{border-left:0;border-top:1px solid var(--line);}
  .pq-stats dd{margin:0;}
  .pq-next-box .pq-actions{grid-template-columns:1fr;}
  .loan.featured{margin:0 -8px;padding:22px 14px;}
  .final{padding:60px 0;}
  .final .ctas{align-items:center;}
  .final .ctas .btn{width:auto;min-width:220px;}
  .foot-grid{grid-template-columns:1fr;}
  .page-hero{padding:48px 0 44px;}
  .page-hero p{font-size:17px;}
}
.ff input:not([type=checkbox]):not([type=range]),.ff select{height:50px;}