/* =========================================================
   HONEST MORTGAGE · Cooper Morter landing page
   Brand tokens below are taken from honestmortgage.com
   (design system colors_and_type.css). Re-tune here only.
   ========================================================= */
:root {
  --navy: #002C59;          /* primary: structure, headlines, dark sections */
  --navy-deep: #002048;
  --accent: #C96B4C;        /* terracotta (brand): underlines, rules, tags */
  --accent-btn: #B85B3E;    /* slightly deeper terracotta so white button text passes AA */
  --accent-hover: #A64E33;
  --accent-ink: #A64E33;    /* accent text on light backgrounds (AA contrast) */
  --sky: #7EB5E3;           /* used very sparingly on dark */
  --paper: #FAF6EF;         /* page background */
  --cream: #F5EFE6;         /* warm sections */
  --sand: #E3D7C9;
  --sand-deep: #D8C9B7;
  --ink: #1A1A1A;
  --muted: #5E5E5E;
  --white: #FFFFFF;
  --rule: rgba(0, 44, 89, .14);
  --rule-dark: rgba(245, 239, 230, .18);

  --font: 'Montserrat', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --wrap: 1200px;
  --pad: clamp(20px, 5vw, 48px);
  --sec: clamp(72px, 10vw, 136px);
  --radius: 4px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--font); font-size: 17px; line-height: 1.65;
  color: var(--ink); background: var(--paper); -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
h1, h2, h3 { color: var(--navy); font-weight: 800; letter-spacing: -0.02em; line-height: 1.08; margin: 0 0 .5em; overflow-wrap: break-word; }
h1 { font-size: clamp(2.6rem, 1.2rem + 5.6vw, 5.6rem); letter-spacing: -0.035em; line-height: 1.0; }
h2 { font-size: clamp(1.75rem, 1.1rem + 2.4vw, 3rem); }
h3 { font-size: 1.15rem; letter-spacing: -0.01em; }
p { margin: 0 0 1.1em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--pad); }
.eyebrow { font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: 1.2em; }
.fine { font-size: .82rem; color: var(--muted); max-width: 60ch; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 12px; top: 12px; z-index: 100; background: var(--white); padding: 8px 12px; }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  font: 700 1rem/1 var(--font); text-decoration: none; padding: 1.05em 1.6em;
  border-radius: 2px; border: 2px solid transparent; cursor: pointer;
  transition: background .15s, color .15s, border-color .15s;
}
.btn-primary { background: var(--accent-btn); color: var(--white); }
.btn-primary:hover { background: var(--accent-hover); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-dark { border-color: var(--navy); color: var(--navy); background: var(--white); }
.btn-light { background: var(--cream); color: var(--navy); }
.btn-light:hover { background: var(--white); }
.btn-sm { padding: .8em 1.15em; font-size: .9rem; }
.btn-block { width: 100%; }
.btn-sub { font-weight: 500; opacity: .8; }
.btn:disabled { opacity: .6; cursor: default; }
.link-arrow { font-weight: 700; color: var(--navy); text-decoration: none; border-bottom: 2px solid var(--accent); padding-bottom: 2px; }
.link-arrow::after { content: " \2192"; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(250, 246, 239, .96); border-bottom: 1px solid var(--rule); }
.header-in { display: flex; align-items: center; gap: 32px; height: 84px; }
.brand img { width: 150px; height: auto; }
.nav { display: flex; gap: 28px; margin-left: auto; }
.nav a { text-decoration: none; font-weight: 600; font-size: .92rem; color: var(--navy); }
.nav a:hover { color: var(--accent-ink); }
.header-cta { display: flex; align-items: center; gap: 20px; }
.header-phone { font-weight: 700; color: var(--navy); text-decoration: none; font-size: .95rem; }

/* Hero */
.hero { padding: clamp(40px, 7vw, 96px) 0 0; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(32px, 5vw, 72px); align-items: end; }
.hero-copy { padding-bottom: clamp(40px, 7vw, 110px); }
.hero h1 .u { display: inline-block; position: relative; }
.hero h1 .u::after { content: ""; position: absolute; left: 0; right: .2em; bottom: -.08em; height: .09em; background: var(--accent); }
.lede { font-size: clamp(1.08rem, 1rem + .4vw, 1.3rem); line-height: 1.6; max-width: 34em; margin: 1.4em 0 1.8em; color: #2b2b2b; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-note { margin-top: 1.6em; font-size: .88rem; color: var(--muted); }
.hero-photo { margin: 0; position: relative; }
.hero-photo::before { content: ""; position: absolute; inset: 12% -40vw 0 18%; background: var(--navy); z-index: 0; }
.hero-photo img { position: relative; z-index: 1; width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 20%; }

/* Facts strip */
.facts { background: var(--navy); color: var(--cream); }
.facts-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); }
.facts-list li { padding: 34px 22px 36px; border-left: 1px solid var(--rule-dark); }
.facts-list li:first-child { border-left: 0; padding-left: 0; }
.facts-list strong { display: block; font-size: clamp(1.3rem, 1rem + 1vw, 1.75rem); font-weight: 800; color: var(--white); letter-spacing: -0.02em; line-height: 1.15; margin-bottom: 6px; }
.facts-list span { font-size: .88rem; line-height: 1.45; color: rgba(245, 239, 230, .82); }

/* Story */
.story { padding: var(--sec) 0; }
.story-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(32px, 6vw, 96px); }
.story h2 { font-size: clamp(2rem, 1.2rem + 3vw, 3.6rem); }
.story-body { max-width: 40em; }
.story-body .big { font-size: clamp(1.25rem, 1.05rem + .8vw, 1.6rem); line-height: 1.45; font-weight: 600; color: var(--navy); }

/* Fees */
.fees { padding: var(--sec) 0; background: var(--cream); }
.fees-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 7vw, 110px); align-items: center; }
.fees-copy p { max-width: 36em; }
.tip { border-left: 3px solid var(--accent); padding-left: 18px; color: var(--navy); font-weight: 500; }
.fees-figure { position: relative; }
.doc { background: var(--white); border: 1px solid var(--sand-deep); padding: 34px 32px 64px; box-shadow: 0 18px 40px -22px rgba(0, 44, 89, .35); transform: rotate(-1.2deg); max-width: 520px; }
.doc-title { font-weight: 800; color: var(--navy); font-size: 1.2rem; margin: 0; }
.doc-sub { font-size: .8rem; color: var(--muted); margin: 0 0 18px; text-transform: uppercase; letter-spacing: .1em; }
.doc-row { display: flex; justify-content: space-between; gap: 12px; padding: 11px 0; border-top: 1px solid var(--rule); font-size: .95rem; }
.doc-head { font-weight: 800; color: var(--navy); border-top: 2px solid var(--navy); }
.doc-row.struck span:first-child { text-decoration: line-through; text-decoration-color: var(--accent); text-decoration-thickness: 2px; color: var(--muted); }
.doc-row.struck span:last-child { font-weight: 700; color: var(--navy); }
.doc-row.muted { color: #9a958d; }
.keep { position: relative; z-index: 1; width: fit-content; margin: -40px 0 0 auto; background: var(--navy); color: var(--white); padding: 20px 26px; }
.keep-label { display: block; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; color: rgba(245, 239, 230, .8); }
.keep-num { display: block; white-space: nowrap; font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.2rem); font-weight: 800; letter-spacing: -0.02em; }

/* Timelines */
.timelines { padding: var(--sec) 0; }
.sec-head { max-width: 760px; margin-bottom: 56px; }
.sec-head p:not(.eyebrow) { font-size: 1.1rem; max-width: 40em; }
.race { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 80px); border-top: 2px solid var(--navy); padding-top: 32px; margin-bottom: 32px; }
.race-item h3 { margin-bottom: 22px; }
.bar-row { display: grid; grid-template-columns: 1fr auto; grid-template-areas: "label val" "bar bar"; gap: 6px 12px; margin-bottom: 20px; }
.bar-label { grid-area: label; font-size: .9rem; color: var(--muted); }
.bar-val { grid-area: val; font-weight: 700; color: var(--muted); font-size: .95rem; }
.bar-val.strong { color: var(--navy); font-size: 1.2rem; font-weight: 800; }
.bar { grid-area: bar; height: 14px; background: transparent; position: relative; }
.fill { position: absolute; left: 0; top: 0; bottom: 0; width: var(--w); }
.fill.quoted { background: repeating-linear-gradient(90deg, var(--sand-deep) 0 calc(100% / 30 - 2px), transparent 0 calc(100% / 30)); background: var(--sand); border: 1px solid var(--sand-deep); }
.fill.actual { background: var(--navy); }
.fill.actual::after { content: ""; position: absolute; right: -2px; top: -5px; bottom: -5px; width: 4px; background: var(--accent); }

/* Split: policy + evenings */
.split { padding: 0 0 var(--sec); }
.split-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 0; align-items: stretch; }
.policy { background: var(--sand); padding: clamp(36px, 5vw, 72px); }
.policy h2 { font-size: clamp(1.6rem, 1.1rem + 1.9vw, 2.6rem); }
.policy p:last-child { margin: 0; max-width: 34em; font-size: 1.05rem; }
.evenings { background: var(--navy); color: rgba(245, 239, 230, .9); padding: clamp(36px, 5vw, 64px); }
.evenings .eyebrow { color: var(--sky); }
.clock { display: flex; align-items: baseline; gap: .35em; font-size: clamp(3rem, 2rem + 3vw, 4.6rem); font-weight: 800; color: var(--white); line-height: 1; letter-spacing: -0.03em; margin-bottom: .45em; }
.clock small { font-size: .32em; letter-spacing: .1em; color: var(--sky); font-weight: 700; }
.evenings p:not(.clock):not(.eyebrow) { margin-bottom: 1.6em; }

/* Life */
.life { padding: 0 0 var(--sec); }
.life-grid { display: grid; grid-template-columns: 5fr 6fr; gap: clamp(40px, 6vw, 96px); align-items: start; }
.life-grid > div > p:last-child { font-size: 1.05rem; max-width: 34em; }
.life-steps { list-style: none; margin: 0; padding: 0; position: relative; }
.life-steps::before { content: ""; position: absolute; left: 21px; top: 22px; bottom: 22px; width: 2px; background: var(--rule); }
.life-steps li { display: flex; gap: 24px; padding: 0 0 34px; position: relative; }
.life-steps li:last-child { padding-bottom: 0; }
.life-steps .n { flex: 0 0 44px; height: 44px; border-radius: 50%; background: var(--paper); border: 2px solid var(--navy); color: var(--navy); font-weight: 800; display: grid; place-items: center; position: relative; }
.life-steps li:first-child .n { background: var(--navy); color: var(--white); }
.life-steps b { display: block; color: var(--navy); font-size: 1.1rem; margin: 8px 0 4px; }
.life-steps p { margin: 0; color: #3a3a3a; }

/* Loans */
.loans { padding: var(--sec) 0 calc(var(--sec) * .7); background: var(--white); border-top: 1px solid var(--rule); }
.loans-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(40px, 6vw, 96px); margin-bottom: 40px; }
.loans-intro { position: sticky; top: 120px; align-self: start; }
.loan-list { margin: 0; border-top: 2px solid var(--navy); }
.loan-list > div { display: grid; grid-template-columns: 15em 1fr; gap: 24px; padding: 24px 0; border-bottom: 1px solid var(--rule); }
.loan-list dt { font-weight: 800; color: var(--navy); font-size: 1.08rem; line-height: 1.35; }
.loan-list dd { margin: 0; color: #3a3a3a; }

/* Service area */
.area { padding: var(--sec) 0; background: var(--cream); }
.area-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(40px, 6vw, 96px); align-items: start; }
.area-grid > div p:last-child { max-width: 34em; }
.states { list-style: none; margin: 0; padding: 0; border-top: 2px solid var(--navy); }
.states li { display: grid; grid-template-columns: 4.2rem 1fr auto; grid-template-areas: "abbr name tag" "abbr addr addr"; align-items: center; column-gap: 18px; padding: 18px 0; border-bottom: 1px solid var(--rule); }
.states .abbr { grid-area: abbr; font-size: 1.9rem; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; align-self: start; line-height: 1.1; }
.states .name { grid-area: name; font-weight: 700; color: var(--navy); }
.states .tag { grid-area: tag; font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--accent-ink); border: 1.5px solid var(--accent); padding: 4px 9px; }
.states .addr { grid-area: addr; font-size: .9rem; color: var(--muted); }

/* Meet */
.meet { padding: var(--sec) 0; }
.meet-grid { display: grid; grid-template-columns: 5fr 6fr; gap: clamp(40px, 7vw, 110px); align-items: center; }
.meet-photo { margin: 0; position: relative; }
.meet-photo::after { content: ""; position: absolute; left: -18px; bottom: -18px; width: 45%; height: 45%; border-left: 3px solid var(--accent); border-bottom: 3px solid var(--accent); z-index: -1; }
.meet-photo img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 25%; }
.meet-copy p { max-width: 36em; }
.meet-copy h2 { font-size: clamp(2rem, 1.2rem + 3vw, 3.4rem); }
.meet-contact { list-style: none; padding: 0; margin: 28px 0 0; border-top: 1px solid var(--rule); }
.meet-contact li { display: flex; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--rule); font-weight: 600; color: var(--navy); flex-wrap: wrap; }
.meet-contact span { width: 5.5em; color: var(--muted); font-weight: 500; font-size: .9rem; }
.meet-contact a { text-decoration: none; overflow-wrap: anywhere; }
.meet-contact a:hover { text-decoration: underline; text-decoration-color: var(--accent); }

/* Contact */
.contact { background: var(--navy); color: rgba(245, 239, 230, .9); padding: var(--sec) 0; }
.contact-grid { display: grid; grid-template-columns: 5fr 6fr; gap: clamp(40px, 7vw, 110px); }
.contact h2 { color: var(--white); font-size: clamp(2rem, 1.2rem + 3vw, 3.4rem); }
.contact-copy p { max-width: 30em; font-size: 1.08rem; }
.contact-phone { display: block; font-size: clamp(1.7rem, 1.2rem + 2vw, 2.6rem); font-weight: 800; color: var(--white); text-decoration: none; letter-spacing: -0.02em; border-bottom: 3px solid var(--accent); width: fit-content; margin-bottom: 14px; }
.contact-email { color: var(--sky); font-weight: 600; text-decoration: none; overflow-wrap: anywhere; }
.form { background: var(--paper); color: var(--ink); padding: clamp(24px, 4vw, 44px); }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; min-width: 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field label { font-size: .85rem; font-weight: 700; color: var(--navy); }
.opt { font-weight: 500; color: var(--muted); }
.field input, .field select, .field textarea { font: 500 1rem var(--font); color: var(--ink); background: var(--white); border: 1.5px solid var(--sand-deep); border-radius: 2px; padding: 13px 14px; width: 100%; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(126, 181, 227, .5); }
.field [aria-invalid="true"] { border-color: #A3442A; }
.form-fine { font-size: .78rem; color: var(--muted); margin: 14px 0 0; }
.form-thanks { margin: 16px 0 0; padding: 14px 16px; background: var(--white); border-left: 3px solid var(--navy); color: var(--navy); font-weight: 600; }

/* Footer */
.site-footer { background: var(--navy-deep); color: rgba(245, 239, 230, .78); padding: 56px 0 48px; font-size: .84rem; line-height: 1.6; }
.footer-in { display: grid; grid-template-columns: 1fr 2fr auto; gap: 40px; align-items: start; }
.footer-brand img { width: 150px; height: auto; margin-bottom: 16px; }
.site-footer a { color: var(--cream); }
.eho { display: flex; align-items: center; gap: 10px; color: var(--cream); font-weight: 700; font-size: .74rem; text-transform: uppercase; letter-spacing: .06em; line-height: 1.3; }
.eho svg { width: 40px; height: 40px; }

.mobile-bar { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .nav { display: none; }
  .header-cta { margin-left: auto; }
  .facts-list { grid-template-columns: repeat(3, 1fr); }
  .facts-list li:nth-child(4) { border-left: 0; padding-left: 0; }
  .facts-list li:nth-child(n+4) { border-top: 1px solid var(--rule-dark); }
  .footer-in { grid-template-columns: 1fr 1fr; }
  .footer-legal { grid-column: 1 / -1; grid-row: 2; }
}
@media (max-width: 860px) {
  body { font-size: 16px; }
  .site-footer { padding-bottom: 120px; }
  .header-in { height: 68px; }
  .brand img { width: 120px; }
  .header-phone { display: none; }
  .hero-grid, .story-grid, .fees-grid, .race, .split-grid, .life-grid, .loans-grid, .area-grid, .meet-grid, .contact-grid { grid-template-columns: 1fr; }
  .hero-copy { padding-bottom: 8px; }
  .hero-photo { margin: 0 calc(var(--pad) * -1); }
  .hero-photo::before { inset: 20% 0 0 30%; }
  .hero-photo img { width: 86%; margin-left: auto; margin-right: var(--pad); }
  .loans-intro { position: static; }
  .loan-list > div { grid-template-columns: 1fr; gap: 6px; padding: 20px 0; }
  .split-grid { gap: 0; }
  .meet-photo { max-width: 440px; }
  .meet-photo::after { left: -10px; bottom: -10px; }
  .mobile-bar { display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); background: var(--paper); border-top: 1px solid var(--rule); }
  .mobile-bar .btn { padding: .9em .6em; font-size: .95rem; }
}
@media (max-width: 560px) {
  .header-cta .btn { display: none; }
  .hero-actions .btn { width: 100%; }
  .facts-list { grid-template-columns: 1fr 1fr; }
  .facts-list li { padding: 22px 14px 24px 0; border-left: 0; border-top: 1px solid var(--rule-dark); }
  .facts-list li:nth-child(-n+2) { border-top: 0; }
  .facts-list li:nth-child(even) { padding-left: 16px; border-left: 1px solid var(--rule-dark); }
  .facts-list li:last-child { grid-column: 1 / -1; padding-left: 0; border-left: 0; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .doc { padding: 26px 22px 56px; }
  .states li { grid-template-columns: 3.4rem 1fr auto; }
  .states .abbr { font-size: 1.5rem; }
  .footer-in { grid-template-columns: 1fr; }
  .footer-legal { grid-row: auto; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }