/* NLC Mortgage — static site styles.
   Palette pulled from the wholesale portal design tokens. */

:root {
  --brand-blue: #1f6feb;
  --brand-blue-bright: #3b8aff;
  --brand-blue-dark: #0b3a8c;
  --charcoal: #33363c;
  --ink: #484850;
  --muted-ink: #7a7f86;
  --bg: #ffffff;
  --bg-soft: #f2f5f9;
  --bg-accent: #e8f0fe;
  --border: #e2e5e1;
  --radius: 12px;
  --maxw: 1080px;
  --font-sans: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--charcoal);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--brand-blue-dark); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3 { color: var(--charcoal); line-height: 1.2; letter-spacing: -0.01em; }

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

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--charcoal); }
.brand:hover { text-decoration: none; }
.brand .mark {
  width: 34px; height: 34px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 9px;
  background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-bright));
  color: #fff; font-weight: 800; font-size: 15px; letter-spacing: -0.02em;
}
.brand .name { font-size: 18px; letter-spacing: -0.01em; }
.brand .name small { display: block; font-size: 11px; font-weight: 500; color: var(--muted-ink); letter-spacing: 0.04em; text-transform: uppercase; }

.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: var(--ink); font-weight: 500; font-size: 15px; }
.nav-links a:hover { color: var(--brand-blue-dark); text-decoration: none; }

.btn {
  display: inline-block;
  background: var(--brand-blue);
  color: #fff;
  font-weight: 600;
  font-size: 15px;
  padding: 11px 20px;
  border-radius: 10px;
  border: 1px solid var(--brand-blue);
  transition: background 0.15s ease;
}
.btn:hover { background: var(--brand-blue-dark); border-color: var(--brand-blue-dark); text-decoration: none; }
.btn.secondary { background: #fff; color: var(--brand-blue-dark); border-color: var(--border); }
.btn.secondary:hover { background: var(--bg-soft); }

@media (max-width: 720px) {
  .nav-links { gap: 16px; }
  .nav-links a:not(.btn) { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1200px 400px at 80% -10%, var(--bg-accent), transparent),
    var(--bg);
  padding: 88px 0 72px;
  border-bottom: 1px solid var(--border);
}
.eyebrow {
  display: inline-block;
  font-size: 13px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--brand-blue-dark);
  background: var(--bg-accent);
  padding: 6px 12px; border-radius: 999px;
  margin-bottom: 20px;
}
.hero h1 { font-size: clamp(34px, 5vw, 52px); margin: 0 0 18px; max-width: 760px; }
.hero p.lead { font-size: 19px; color: var(--ink); max-width: 620px; margin: 0 0 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Sections ---------- */
section { padding: 72px 0; }
section.alt { background: var(--bg-soft); }
.section-head { max-width: 680px; margin-bottom: 44px; }
.section-head h2 { font-size: clamp(26px, 3.5vw, 36px); margin: 0 0 14px; }
.section-head p { font-size: 17px; color: var(--ink); margin: 0; }

/* ---------- Grid / cards ---------- */
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid.two { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 860px) { .grid, .grid.two { grid-template-columns: 1fr; } }

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.card .icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: var(--bg-accent); color: var(--brand-blue-dark);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 16px; font-size: 20px;
}
.card h3 { font-size: 19px; margin: 0 0 8px; }
.card p { margin: 0; color: var(--ink); font-size: 15.5px; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding-top: 8px; }
.step .num {
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--brand-blue); color: #fff; font-weight: 700;
  display: flex; align-items: center; justify-content: center; margin-bottom: 14px;
}
.step h3 { font-size: 17px; margin: 0 0 6px; }
.step p { margin: 0; color: var(--ink); font-size: 15px; }

/* ---------- Fees callout ---------- */
.callout {
  background: #fff; border: 1px solid var(--border); border-left: 4px solid var(--brand-blue);
  border-radius: var(--radius); padding: 28px 32px;
}
.callout h3 { margin-top: 0; }
.callout ul { margin: 14px 0 0; padding-left: 20px; color: var(--ink); }
.callout li { margin-bottom: 8px; }

/* ---------- Contact ---------- */
.contact-box {
  background: var(--charcoal); color: #fff; border-radius: 16px;
  padding: 48px; text-align: center;
}
.contact-box h2 { color: #fff; font-size: 30px; margin: 0 0 12px; }
.contact-box p { color: #d4d7da; font-size: 17px; margin: 0 auto 24px; max-width: 520px; }
.contact-box a.email { color: var(--brand-blue-bright); font-size: 22px; font-weight: 600; }

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--border); padding: 48px 0; background: var(--bg-soft); font-size: 14px; color: var(--muted-ink); }
.footer-top { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; margin-bottom: 28px; }
.footer-top .brand .name { font-size: 16px; }
.footer-links { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-links a { color: var(--ink); }
.footer-legal { border-top: 1px solid var(--border); padding-top: 20px; line-height: 1.7; }
.footer-legal p { margin: 0 0 8px; }

/* ---------- Legal pages ---------- */
.legal { padding: 56px 0 80px; }
.legal h1 { font-size: 36px; margin: 0 0 8px; }
.legal .updated { color: var(--muted-ink); font-size: 14px; margin: 0 0 36px; }
.legal h2 { font-size: 22px; margin: 36px 0 12px; }
.legal p, .legal li { color: var(--ink); font-size: 16px; }
.legal ul { padding-left: 22px; }
.legal .back { display: inline-block; margin-bottom: 28px; font-weight: 500; }