/* Davian Clarke — AnnieMac Home Mortgage | davianlends.com
   Mobile-first, no frameworks. Deep navy + gold premium palette. */

:root{
  --navy:#0a1c33;
  --navy-2:#10294d;
  --navy-3:#0d2240;
  --gold:#c9a227;
  --gold-light:#e6c766;
  --gold-dark:#a8861d;
  --white:#ffffff;
  --ink:#1b2432;
  --muted:#5d6c83;
  --bg:#f7f9fc;
  --line:#e3e9f2;
  --radius:14px;
  --max:1120px;
  --serif:Georgia,'Times New Roman',serif;
  --sans:system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;height:auto}
a{color:var(--navy-2)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.25;margin:0 0 .6em}
h1{font-size:clamp(2rem,5.5vw,3.1rem)}
h2{font-size:clamp(1.45rem,3.6vw,2rem);margin-top:1.8em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 1.25rem}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy);color:#dfe7f2;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:.75rem;padding-top:.5rem;padding-bottom:.5rem;flex-wrap:wrap}
.topbar a{color:var(--gold-light);text-decoration:none;font-weight:600;white-space:nowrap}
.topbar a:hover{text-decoration:underline}
.topbar .nmls{color:#aebdd2}

/* ---------- Header / nav ---------- */
header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none;padding:.8rem 0}
.brand-mark{width:44px;height:44px;flex:0 0 44px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--navy-2));display:flex;align-items:center;justify-content:center;color:var(--gold);font-family:var(--serif);font-size:1.4rem;font-weight:700}
.brand-name{font-family:var(--serif);font-size:1.25rem;color:var(--navy);font-weight:700;line-height:1.15}
.brand-sub{font-size:.75rem;color:var(--muted);letter-spacing:.02em}
nav.main{display:flex;flex-wrap:wrap;gap:.15rem .4rem;padding:0 0 .8rem}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;padding:.45rem .7rem;border-radius:8px}
nav.main a:hover{background:#eef2f8;color:var(--navy)}
nav.main a.active{background:var(--navy);color:#fff}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1200px 500px at 20% 0%,#16345f 0%,var(--navy) 55%,#071426 100%);color:#fff;padding:3.2rem 0 3.6rem;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold))}
.hero h1{color:#fff;margin-bottom:.4em}
.hero p.lede{font-size:1.15rem;color:#cfdaea;max-width:42rem}
.hero .eyebrow{color:var(--gold-light);font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;margin-bottom:.8rem}
.hero-art{margin-top:2rem;border-radius:var(--radius);overflow:hidden;border:1px solid rgba(255,255,255,.14)}
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:10px;padding:.85rem 1.5rem;font-size:1.02rem;transition:transform .12s ease,box-shadow .12s ease}
.btn-gold{background:linear-gradient(180deg,var(--gold-light),var(--gold));color:#241d02;box-shadow:0 6px 18px rgba(201,162,39,.35)}
.btn-gold:hover{transform:translateY(-2px)}
.btn-outline{border:2px solid rgba(255,255,255,.55);color:#fff}
.btn-outline:hover{border-color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.cta-row{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.6rem}
.phone-cta{font-size:1.25rem;font-weight:800;color:var(--navy);text-decoration:none}
.phone-cta:hover{color:var(--gold-dark)}

/* ---------- Sections / cards ---------- */
section.block{padding:2.8rem 0}
.cards{display:grid;gap:1.1rem;grid-template-columns:1fr;margin-top:1.4rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:0 2px 10px rgba(10,28,51,.05)}
.card h3{margin-top:0}
.card .kicker{color:var(--gold-dark);font-weight:700;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase}
.card a.card-link{text-decoration:none;color:inherit;display:block}
.card a.card-link:hover h3{color:var(--gold-dark)}
.split{display:grid;gap:1.6rem;grid-template-columns:1fr;align-items:start}
.checklist{list-style:none;padding:0;margin:1em 0}
.checklist li{padding:.45rem 0 .45rem 2rem;position:relative}
.checklist li::before{content:"✓";position:absolute;left:0;color:var(--gold-dark);font-weight:800}
.stat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin:1.6rem 0}
.stat{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.3rem;text-align:center}
.stat b{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--gold-light)}
.stat span{font-size:.9rem;color:#c7d3e4}
.faq{border-bottom:1px solid var(--line);padding:1.1rem 0}
.faq h3{margin-bottom:.3rem}
.callout{background:linear-gradient(135deg,#fdf8e7,#fbeecd);border:1px solid #ecd9a0;border-left:6px solid var(--gold);border-radius:var(--radius);padding:1.4rem 1.5rem;margin:1.8rem 0}
.callout.navy{background:linear-gradient(135deg,var(--navy-2),var(--navy));border-color:var(--navy-2);color:#eef3fa}
.callout.navy h2,.callout.navy h3{color:var(--gold-light)}
.callout.navy a{color:var(--gold-light)}
table.data{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:.95rem;background:#fff;border-radius:var(--radius);overflow:hidden}
table.data th,table.data td{text-align:left;padding:.7rem .9rem;border-bottom:1px solid var(--line)}
table.data th{background:var(--navy);color:#fff;font-weight:600}
.figure{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#dfe7f2}
.figure figcaption{font-size:.85rem;color:var(--muted);padding:.6rem .9rem;background:#fff}

/* ---------- Forms ---------- */
form.contact{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;max-width:640px}
label{display:block;font-weight:600;margin:.9rem 0 .3rem}
input,select,textarea{width:100%;padding:.75rem .9rem;border:1px solid #c6d0df;border-radius:8px;font-size:1rem;font-family:var(--sans)}
input:focus,select,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
textarea{min-height:130px;resize:vertical}
.form-note{font-size:.88rem;color:var(--muted);margin-top:1rem}

/* ---------- Footer ---------- */
footer.site{background:var(--navy);color:#c9d5e6;margin-top:2rem}
footer.site .cols{display:grid;gap:1.6rem;grid-template-columns:1fr;padding:2.4rem 0 1.4rem}
footer.site h4{color:var(--gold-light);font-size:.95rem;letter-spacing:.06em;text-transform:uppercase;margin:0 0 .7em}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin:.35em 0}
footer.site a{color:#dfe7f2;text-decoration:none}
footer.site a:hover{color:var(--gold-light);text-decoration:underline}
.compliance{border-top:1px solid rgba(255,255,255,.15);padding:1.2rem 0 1.6rem;font-size:.82rem;color:#9fb0c8;line-height:1.7}
.compliance strong{color:#dfe7f2}

/* ---------- Breadcrumbs ---------- */
.crumbs{font-size:.85rem;color:var(--muted);margin:1.2rem 0 0}
.crumbs a{color:var(--muted)}

/* ---------- Responsive ---------- */
@media(min-width:720px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1.1fr .9fr}
  .stat-grid{grid-template-columns:repeat(4,1fr)}
  footer.site .cols{grid-template-columns:1.2fr 1fr 1fr 1fr}
  nav.main{padding-bottom:.9rem}
}
@media(min-width:1020px){
  .cards.three{grid-template-columns:repeat(3,1fr)}
}
@media print{
  header.site,.topbar,.cta-row,footer.site .cols{display:none}
}