/* ==========================================================
   Valoro Mortgage — Shared Styles
   ========================================================== */

:root {
  --navy: #14213D;
  --navy-light: #1E3059;
  --gold: #C9A227;
  --gold-light: #E0C463;
  --cream: #F8F6F1;
  --white: #FFFFFF;
  --text: #1E1E1E;
  --text-muted: #5A5F6B;
  --border: #E3E0D8;
  --success: #2E7D4F;
  --error: #B3261E;
  --radius: 10px;
  --shadow: 0 4px 20px rgba(20, 33, 61, 0.08);
  --shadow-lg: 0 12px 40px rgba(20, 33, 61, 0.14);
  --max-width: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  color: var(--navy);
  line-height: 1.2;
  font-weight: 700;
}

h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.3rem; }

p { color: var(--text-muted); }

a { color: var(--navy); text-decoration: none; }

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

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

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 14px 30px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.2s ease;
  text-align: center;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover { background: var(--gold-light); border-color: var(--gold-light); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-light); }

.btn-block { width: 100%; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
}

.nav-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text);
}
.nav-links a:hover { color: var(--gold); }
.nav-links a.active { color: var(--navy); font-weight: 700; }

.nav-cta { display: flex; align-items: center; gap: 20px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span { width: 24px; height: 2px; background: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0E1830 100%);
  color: var(--white);
  padding: 90px 0 100px;
}

.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 50px;
  align-items: center;
}

.hero-eyebrow {
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 2px;
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero p.lead { color: rgba(255,255,255,0.82); font-size: 1.1rem; max-width: 480px; margin-bottom: 30px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-lg);
  color: var(--text);
}
.hero-card h3 { margin-bottom: 6px; }
.hero-card p { font-size: 0.9rem; margin-bottom: 18px; }

/* ---------- Sections ---------- */
section { padding: 80px 0; }
.section-alt { background: var(--cream); }
.section-head { text-align: center; max-width: 620px; margin: 0 auto 48px; }
.section-head p { margin-top: 12px; }
.eyebrow {
  display: inline-block;
  color: var(--gold);
  background: rgba(201,162,39,0.12);
  padding: 5px 14px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

/* ---------- Cards / Grids ---------- */
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.card h3 { margin-bottom: 10px; }
.card .card-icon {
  width: 46px; height: 46px;
  border-radius: 10px;
  background: rgba(20,33,61,0.06);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  font-size: 1.4rem;
}
.card a.card-link { display: inline-block; margin-top: 14px; font-weight: 600; color: var(--navy); }
.card a.card-link:hover { color: var(--gold); }

/* ---------- Stats ---------- */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  padding: 40px 0;
}
.stat { text-align: center; }
.stat .num { font-family: 'Playfair Display', serif; font-size: 2.2rem; color: var(--navy); font-weight: 700; }
.stat .label { color: var(--text-muted); font-size: 0.85rem; margin-top: 4px; }

/* ---------- Forms ---------- */
.form-group { margin-bottom: 20px; }
label { display: block; font-weight: 600; font-size: 0.9rem; margin-bottom: 6px; color: var(--navy); }
input, select, textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold);
}
textarea { resize: vertical; min-height: 110px; }
.form-error { color: var(--error); font-size: 0.8rem; margin-top: 5px; display: none; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-note { font-size: 0.8rem; color: var(--text-muted); margin-top: 14px; }
#formSuccess {
  display: none;
  background: rgba(46,125,79,0.1);
  border: 1px solid var(--success);
  color: var(--success);
  padding: 16px;
  border-radius: 8px;
  margin-bottom: 20px;
  font-weight: 600;
}

/* ---------- Calculator ---------- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.calc-result {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 34px;
  position: sticky;
  top: 100px;
}
.calc-result .big-number { font-family: 'Playfair Display', serif; font-size: 2.6rem; color: var(--gold-light); margin: 6px 0 4px; }
.calc-breakdown { margin-top: 24px; border-top: 1px solid rgba(255,255,255,0.15); padding-top: 18px; }
.calc-breakdown div { display: flex; justify-content: space-between; padding: 6px 0; font-size: 0.9rem; color: rgba(255,255,255,0.85); }
.range-row { display: flex; justify-content: space-between; font-size: 0.85rem; color: var(--text-muted); margin-top: 4px; }
input[type="range"] { accent-color: var(--gold); padding: 0; }

/* ---------- Blog ---------- */
.blog-card img, .blog-hero-img {
  width: 100%; height: 190px; object-fit: cover; border-radius: 8px 8px 0 0;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
}
.blog-card { padding: 0; overflow: hidden; }
.blog-card .blog-card-body { padding: 24px; }
.blog-meta { font-size: 0.78rem; color: var(--gold); text-transform: uppercase; letter-spacing: 1px; font-weight: 700; margin-bottom: 8px; }
.article-body h2 { margin: 32px 0 14px; }
.article-body h3 { margin: 24px 0 10px; }
.article-body p { margin-bottom: 16px; }
.article-body ul { margin: 0 0 16px 22px; color: var(--text-muted); }
.article-body li { margin-bottom: 8px; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), #0E1830);
  color: var(--white);
  text-align: center;
  border-radius: var(--radius);
  padding: 56px 40px;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: rgba(255,255,255,0.8); margin: 12px 0 26px; }

/* ---------- Footer ---------- */
.site-footer {
  background: #0E1830;
  color: rgba(255,255,255,0.75);
  padding: 60px 0 30px;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-grid h4 { color: var(--white); font-family: 'Inter', sans-serif; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 16px; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { color: rgba(255,255,255,0.7); }
.footer-grid a:hover { color: var(--gold); }
.footer-logo { color: var(--white); font-family: 'Playfair Display', serif; font-size: 1.4rem; margin-bottom: 12px; }
.footer-disclosure {
  padding-top: 26px;
  font-size: 0.76rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
}
.footer-disclosure strong { color: rgba(255,255,255,0.7); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding-top: 20px; font-size: 0.78rem; color: rgba(255,255,255,0.45); flex-wrap: wrap; gap: 10px;
}

/* ---------- Page header (non-home pages) ---------- */
.page-header {
  background: var(--cream);
  padding: 56px 0;
  border-bottom: 1px solid var(--border);
}
.page-header .eyebrow { margin-bottom: 10px; }
.page-header p { max-width: 640px; margin-top: 10px; }

/* ---------- License notice banner ---------- */
.notice-bar {
  background: var(--gold);
  color: var(--navy);
  text-align: center;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 9px 20px;
}

/* ---------- Loan program detail ---------- */
.program-block {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 40px;
  align-items: center;
  padding: 50px 0;
  border-bottom: 1px solid var(--border);
}
.program-block:last-child { border-bottom: none; }
.program-tag {
  display: inline-block; background: rgba(20,33,61,0.06); color: var(--navy);
  padding: 4px 12px; border-radius: 20px; font-size: 0.75rem; font-weight: 700; margin-bottom: 12px;
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .calc-wrap { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .program-block { grid-template-columns: 1fr; }
  .stats-bar { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .nav-links, .nav-cta .btn-navy-desktop { display: none; }
  .nav-toggle { display: flex; }
  .nav-wrap.open .nav-links {
    display: flex; position: absolute; top: 64px; left: 0; right: 0;
    background: var(--white); flex-direction: column; padding: 20px 24px; gap: 18px;
    border-bottom: 1px solid var(--border); box-shadow: var(--shadow);
  }
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .stats-bar { grid-template-columns: 1fr 1fr; }
  section { padding: 56px 0; }
}