/* ==========================================================================
   Mission Home Loans — Shared Stylesheet
   Theme: Modern Navy & Gold
   ========================================================================== */

:root {
  --navy-900: #0a1a2f;
  --navy-800: #0f2440;
  --navy-700: #16345c;
  --navy-600: #1e4a80;
  --navy-500: #2c6bb3;
  --gold-500: #c8a24a;
  --gold-400: #d9b968;
  --gold-300: #e8cf94;
  --cream: #f7f4ec;
  --paper: #ffffff;
  --ink: #16202e;
  --ink-soft: #48576b;
  --line: #e4e7ec;
  --ok: #1c8a5b;

  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 2px 8px rgba(10, 26, 47, 0.06);
  --shadow-md: 0 12px 34px rgba(10, 26, 47, 0.12);
  --shadow-lg: 0 26px 60px rgba(10, 26, 47, 0.18);
  --maxw: 1180px;
  --font-head: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 600;
  line-height: 1.12;
  color: var(--navy-900);
  margin: 0 0 0.5em;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.3rem, 5vw, 3.7rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
h3 { font-size: 1.32rem; }

p { margin: 0 0 1.1em; }

a { color: var(--navy-600); text-decoration: none; }
a:hover { color: var(--gold-500); }

img { max-width: 100%; display: block; }

.container {
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 14px;
}

.section { padding: 92px 0; }
.section--tight { padding: 64px 0; }
.section--cream { background: var(--cream); }
.section--navy { background: var(--navy-900); color: #dfe7f1; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }
.section--navy p { color: #b9c6d8; }

.lead { font-size: 1.18rem; color: var(--ink-soft); max-width: 60ch; }

.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 15px 30px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease, color 0.18s ease;
  text-align: center;
  line-height: 1;
  white-space: nowrap;
}
.nav__cta .btn { flex-shrink: 0; }
.btn:hover { transform: translateY(-2px); }
.btn-gold {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-500));
  color: var(--navy-900);
  box-shadow: 0 10px 24px rgba(200, 162, 74, 0.35);
}
.btn-gold:hover { color: var(--navy-900); box-shadow: 0 16px 32px rgba(200, 162, 74, 0.45); }
.btn-navy { background: var(--navy-700); color: #fff; }
.btn-navy:hover { color: #fff; background: var(--navy-600); }
.btn-ghost {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.45);
  color: #fff;
}
.btn-ghost:hover { color: #fff; border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-outline {
  background: transparent;
  border-color: var(--navy-600);
  color: var(--navy-700);
}
.btn-outline:hover { color: #fff; background: var(--navy-700); }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand__mark {
  width: 46px; height: 46px;
  border-radius: 11px;
  background: #fff;
  display: grid; place-items: center;
  box-shadow: var(--shadow-sm);
  flex-shrink: 0;
  padding: 5px;
}
.brand__mark img { width: 100%; height: 100%; object-fit: contain; display: block; }
.brand__name {
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1.24rem;
  color: var(--navy-900);
  line-height: 1;
  white-space: nowrap;
}
.brand__sub { font-size: 0.68rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-soft); }
.nav__links { display: flex; align-items: center; gap: 22px; list-style: none; margin: 0 20px; padding: 0; }
.nav__links a { color: var(--navy-800); font-weight: 500; font-size: 0.95rem; position: relative; white-space: nowrap; }
.nav__links a:hover, .nav__links a.active { color: var(--gold-500); }
.nav__links a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 2px; background: var(--gold-500);
}
.nav__cta { display: flex; align-items: center; gap: 14px; }
.nav__phone { font-weight: 600; color: var(--navy-800); white-space: nowrap; }
.nav__phone:hover { color: var(--gold-500); }
.nav__toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav__toggle span { display: block; width: 24px; height: 2px; background: var(--navy-800); margin: 5px 0; transition: 0.2s; }

/* ---------- Nav dropdown ---------- */
.has-dropdown { position: relative; }
.has-dropdown > a { display: inline-flex; align-items: center; gap: 5px; }
.has-dropdown > a .caret { transition: transform 0.2s ease; opacity: 0.75; }
.has-dropdown:hover > a .caret,
.has-dropdown:focus-within > a .caret { transform: rotate(180deg); }
.dropdown {
  list-style: none; margin: 0; padding: 8px;
  position: absolute; top: 100%; left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 196px; background: #fff;
  border: 1px solid var(--line); border-radius: 14px;
  box-shadow: var(--shadow-md); z-index: 70;
  opacity: 0; visibility: hidden;
  transition: opacity 0.18s ease, transform 0.18s ease;
}
.dropdown::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
.has-dropdown:hover > .dropdown,
.has-dropdown:focus-within > .dropdown {
  opacity: 1; visibility: visible; transform: translateX(-50%) translateY(6px);
}
.dropdown li { margin: 0; }
.dropdown a { display: block; padding: 10px 14px; border-radius: 9px; font-size: 0.95rem; font-weight: 500; color: var(--navy-800); white-space: nowrap; }
.dropdown a::after { display: none !important; content: none !important; }
.dropdown a:hover, .dropdown a.active { background: var(--cream); color: var(--gold-500); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 520px at 78% -8%, rgba(44, 107, 179, 0.22), transparent 60%),
    linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 55%, var(--navy-700) 100%);
  color: #fff;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: 0.6;
  pointer-events: none;
}
.hero__inner {
  position: relative; z-index: 2;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
  padding: 96px 0 104px;
}
.hero h1 { color: #fff; }
.hero h1 .accent { color: var(--gold-400); }
.hero p.lead { color: #c4d0e2; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 22px 34px; margin-top: 38px; color: #9fb0c8; font-size: 0.92rem; }
.hero__trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero__trust svg { color: var(--gold-400); flex-shrink: 0; }

/* Hero rate card */
.rate-card {
  background: rgba(255, 255, 255, 0.97);
  border-radius: 20px;
  padding: 30px;
  box-shadow: var(--shadow-lg);
  color: var(--ink);
}
.rate-card h3 { font-size: 1.1rem; margin-bottom: 4px; }
.rate-card__row { display: flex; align-items: center; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid var(--line); }
.rate-card__row:last-of-type { border-bottom: 0; }
.rate-card__label { display: flex; align-items: center; gap: 10px; font-weight: 500; }
.rate-card__ic { width: 34px; height: 34px; border-radius: 9px; background: var(--cream); display: grid; place-items: center; color: var(--navy-600); }
.rate-card__val { font-weight: 600; color: var(--navy-800); }
.rate-card .btn { width: 100%; justify-content: center; margin-top: 18px; }
.rate-card__note { font-size: 0.74rem; color: var(--ink-soft); text-align: center; margin: 12px 0 0; }

/* ---------- Trust bar ---------- */
.trustbar { background: var(--navy-900); border-top: 1px solid rgba(255,255,255,0.08); }
.trustbar__inner { display: flex; flex-wrap: wrap; justify-content: space-around; gap: 20px; padding: 26px 0; text-align: center; }
.trustbar__item { color: #cdd8e8; }
.trustbar__num { font-family: var(--font-head); font-size: 1.9rem; color: var(--gold-400); display: block; line-height: 1; }
.trustbar__lbl { font-size: 0.82rem; letter-spacing: 0.05em; color: #92a3bd; }

/* ---------- Cards / grid ---------- */
.grid { display: grid; gap: 26px; }
.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(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #d6dbe3; }
.card__ic {
  width: 54px; height: 54px; border-radius: 13px;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  color: var(--gold-400);
  display: grid; place-items: center; margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; }
.card p { color: var(--ink-soft); margin-bottom: 14px; font-size: 0.98rem; }
.card__link { font-weight: 600; color: var(--navy-600); display: inline-flex; align-items: center; gap: 6px; }
.card__link:hover { gap: 10px; color: var(--gold-500); }

/* ---------- Feature / split ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split--reverse .split__media { order: 2; }
.media-frame {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  aspect-ratio: 4 / 3;
  position: relative;
}
.media-frame img { width: 100%; height: 100%; object-fit: cover; }

.checklist { list-style: none; padding: 0; margin: 18px 0 0; }
.checklist li { display: flex; gap: 12px; padding: 9px 0; align-items: flex-start; }
.checklist li svg { color: var(--ok); flex-shrink: 0; margin-top: 3px; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; gap: 24px; grid-template-columns: repeat(4, 1fr); }
.step { position: relative; padding-top: 18px; }
.step__num {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--cream); border: 2px solid var(--gold-400);
  color: var(--navy-800); font-family: var(--font-head); font-size: 1.3rem; font-weight: 600;
  display: grid; place-items: center; margin-bottom: 16px;
}
.step h3 { font-size: 1.15rem; }
.step p { color: var(--ink-soft); font-size: 0.96rem; }

/* ---------- Testimonials ---------- */
.quote {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-sm);
}
.quote__stars { color: var(--gold-500); letter-spacing: 2px; margin-bottom: 12px; }
.quote p { font-size: 1.04rem; color: var(--ink); font-style: italic; }
.quote__who { display: flex; align-items: center; gap: 12px; margin-top: 16px; }
.quote__avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-600), var(--navy-500));
  color: #fff; display: grid; place-items: center; font-weight: 600;
}
.quote__name { font-weight: 600; color: var(--navy-800); font-size: 0.96rem; }
.quote__role { font-size: 0.85rem; color: var(--ink-soft); }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(800px 400px at 15% 120%, rgba(200,162,74,0.16), transparent 60%),
    linear-gradient(140deg, var(--navy-800), var(--navy-700));
  color: #fff;
  border-radius: 24px;
  padding: 58px 48px;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #c4d0e2; max-width: 56ch; margin-left: auto; margin-right: auto; }
.cta-band .btn { margin-top: 8px; }
.cta-band__row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 26px; }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin: 0 auto; }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  padding: 22px 44px 22px 4px; font-family: var(--font-head); font-size: 1.15rem; font-weight: 600;
  color: var(--navy-900); position: relative;
}
.faq__q::after {
  content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; color: var(--gold-500); transition: transform 0.2s;
}
.faq__item.open .faq__q::after { content: "\2013"; }
.faq__a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq__a p { padding: 0 4px 22px; color: var(--ink-soft); margin: 0; }

/* ---------- Page hero (interior) ---------- */
.page-hero {
  background:
    radial-gradient(900px 420px at 85% -20%, rgba(44,107,179,0.25), transparent 60%),
    linear-gradient(160deg, var(--navy-900), var(--navy-700));
  color: #fff;
  padding: 76px 0 68px;
  position: relative;
}
.page-hero h1 { color: #fff; max-width: 20ch; }
.page-hero p { color: #c4d0e2; max-width: 60ch; font-size: 1.15rem; }
.breadcrumb { font-size: 0.85rem; color: #8ea1bd; margin-bottom: 16px; }
.breadcrumb a { color: #b9c6d8; }
.breadcrumb a:hover { color: var(--gold-400); }

/* ---------- VA badge / patriotic accent ---------- */
.va-hero {
  background:
    linear-gradient(160deg, rgba(10,26,47,0.94), rgba(15,36,64,0.9)),
    repeating-linear-gradient(135deg, rgba(178,34,52,0.10) 0 40px, transparent 40px 80px);
  border-bottom: 4px solid var(--gold-500);
}
.va-flag { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.25); padding: 8px 16px; border-radius: 999px; font-weight: 600; font-size: 0.85rem; color: #fff; margin-bottom: 18px; }
.va-flag .star { color: var(--gold-400); }
.badge-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--cream); border: 1px solid var(--line); border-radius: 999px;
  padding: 9px 16px; font-weight: 600; font-size: 0.9rem; color: var(--navy-800);
}
.badge svg { color: var(--gold-500); }

/* ---------- Stat tiles ---------- */
.stat-tile { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; text-align: center; box-shadow: var(--shadow-sm); }
.stat-tile__num { font-family: var(--font-head); font-size: 2.4rem; color: var(--navy-700); line-height: 1; }
.stat-tile__num .u { color: var(--gold-500); }
.stat-tile__lbl { color: var(--ink-soft); font-size: 0.95rem; margin-top: 6px; }

/* ---------- Forms ---------- */
.form-wrap { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-md); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 0.9rem; color: var(--navy-800); margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: 1rem; color: var(--ink); background: #fff; transition: border 0.15s, box-shadow 0.15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--navy-500); box-shadow: 0 0 0 3px rgba(44,107,179,0.14);
}
.field textarea { resize: vertical; min-height: 110px; }
.form-note { font-size: 0.82rem; color: var(--ink-soft); margin-top: 8px; }
.form-success { display: none; background: #eaf7f0; border: 1px solid #b6e3cd; color: #14603f; padding: 16px; border-radius: var(--radius-sm); margin-top: 16px; }
.form-success.show { display: block; }

/* ---------- Contact strip ---------- */
.contact-methods { display: grid; gap: 18px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-item__ic { width: 46px; height: 46px; border-radius: 12px; background: var(--cream); color: var(--navy-600); display: grid; place-items: center; flex-shrink: 0; }
.contact-item strong { display: block; color: var(--navy-900); }
.contact-item a { color: var(--navy-600); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #b9c6d8; padding: 66px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: 0.82rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: #9fb0c8; font-size: 0.95rem; }
.site-footer a:hover { color: var(--gold-400); }
.footer-brand .brand__name { color: #fff; }
.footer-brand p { color: #8ea1bd; font-size: 0.92rem; max-width: 34ch; }
.footer-social { display: flex; gap: 12px; margin-top: 16px; }
.footer-social a { width: 38px; height: 38px; border-radius: 10px; background: rgba(255,255,255,0.07); display: grid; place-items: center; color: #cdd8e8; }
.footer-social a:hover { background: var(--gold-500); color: var(--navy-900); }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.1); margin-top: 44px; padding-top: 26px; font-size: 0.82rem; color: #7f92ad; }
.footer-legal p { margin: 0 0 10px; }
.footer-badges { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-bottom: 18px; }
.ehl { display: inline-flex; align-items: center; gap: 10px; color: #cdd8e8; font-size: 0.82rem; font-weight: 600; }
.ehl__mark { width: 34px; height: 34px; border: 2px solid #7f92ad; border-radius: 6px; display: grid; place-items: center; color: #cdd8e8; }

/* ---------- Featured team member ---------- */
.team-featured {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 20px;
  max-width: 620px;
  margin: 0 auto;
  padding: 38px 34px;
  border-top: 3px solid var(--gold-400);
}
.team-featured__photo {
  width: 190px;
  height: 190px;
  border-radius: 50%;
  object-fit: cover;
  box-shadow: var(--shadow-md);
}
.team-featured__body { max-width: 500px; }
@media (max-width: 640px) {
  .team-featured { padding: 30px 24px; }
  .team-featured__photo { width: 150px; height: 150px; }
}

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .hero__inner { grid-template-columns: 1fr; gap: 40px; padding: 68px 0 76px; }
  .split, .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .split--reverse .split__media { order: 0; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .section { padding: 66px 0; }
  .nav__links, .nav__phone { display: none; }
  .nav__toggle { display: block; }
  .nav.open .nav__links {
    display: flex; position: absolute; top: 76px; left: 0; right: 0;
    flex-direction: column; background: #fff; padding: 20px 24px; gap: 16px;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
  }
  .nav.open .nav__links a.active::after { display: none; }
  /* Dropdown becomes a static, centered list inside the mobile menu */
  .nav.open .has-dropdown { width: auto; text-align: center; }
  .nav.open .has-dropdown > a { justify-content: center; }
  .nav.open .has-dropdown > a .caret { display: none; }
  .nav.open .dropdown {
    position: static; transform: none; opacity: 1; visibility: visible;
    box-shadow: none; border: 0; background: transparent;
    padding: 2px 0 0; min-width: 0; text-align: center;
  }
  .nav.open .dropdown::before { display: none; }
  .nav.open .dropdown a { padding: 8px 0; text-align: center; color: var(--ink-soft); }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-band { padding: 44px 24px; }
  .trustbar__inner { gap: 26px; }
  .trustbar__item { flex: 1 1 40%; }
}