:root {
  --bg: #fafaf5;
  --bg-alt: #f2ede0;
  --surface: #ffffff;
  --line: #e5e2d6;
  --line-strong: #d6d1bf;
  --text: #131b2b;
  --text-muted: #4a5566;
  --text-soft: #7a8499;
  --accent: #131b2b;
  --accent-hover: #000000;
  --highlight: #b8892e;
  --highlight-soft: #d4a951;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Helvetica Neue', 'Segoe UI', sans-serif;
  --container: 1120px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.75rem;
}

/* ============ HEADER ============ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 250, 245, 0.92);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.1rem 1.75rem;
  gap: 1.5rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 1rem;
  color: var(--text);
}
.brand-photo {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--text);
  flex-shrink: 0;
}
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
  gap: 3px;
}
.brand-name {
  font-size: 1.45rem;
  font-weight: 700;
  letter-spacing: -0.015em;
  color: var(--text);
}
.brand-sub {
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: 2px;
}
.nav-links {
  display: flex;
  gap: 2rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
  align-items: center;
}
.nav-links a { transition: color 0.15s ease; }
.nav-links a:hover { color: var(--text); }
.nav-cta {
  font-size: 0.82rem !important;
  font-weight: 600 !important;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff !important;
  background: var(--text);
  padding: 0.65rem 1.15rem;
  border-radius: 3px;
  transition: background 0.2s ease;
}
.nav-cta:hover { background: var(--accent-hover); color: #fff !important; }

/* ============ BUTTONS ============ */
.btn-primary {
  font-family: var(--sans);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
  background: var(--text);
  border: none;
  padding: 1rem 2rem;
  border-radius: 3px;
  cursor: pointer;
  display: inline-block;
  transition: background 0.2s ease, transform 0.1s ease;
}
.btn-primary:hover { background: var(--accent-hover); color: #fff; }
.btn-primary:active { transform: translateY(1px); }
.btn-secondary {
  font-family: var(--sans);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text);
  background: transparent;
  border: 1.5px solid var(--text);
  padding: 0.9rem 1.85rem;
  border-radius: 3px;
  cursor: pointer;
  display: inline-block;
  transition: background 0.2s ease, color 0.2s ease;
}
.btn-secondary:hover { background: var(--text); color: #fff; }

/* ============ HERO ============ */
.hero {
  padding: 2.5rem 0 2.5rem;
  background: var(--bg);
  border-bottom: 1px solid var(--line);
}
.hero-inner { max-width: 880px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 3rem;
  align-items: center;
}
.hero-image {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 0.75rem;
}
.hero-image img {
  max-width: 300px;
  width: 100%;
  filter: drop-shadow(0 14px 30px rgba(19, 27, 43, 0.18));
  border-radius: 6px;
}
.hero-image-label {
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: 0.005em;
  color: var(--text);
  text-align: center;
}
.hero-image-caption {
  font-size: 1.1rem;
  font-weight: 700;
  font-style: italic;
  letter-spacing: 0.005em;
  color: var(--highlight);
  text-align: center;
}
.hero-email {
  margin-bottom: 1.5rem;
  font-size: 1rem;
  font-weight: 500;
}
.hero-email a {
  color: #1d4ed8;
  border-bottom: 1px solid transparent;
  transition: border-color 0.15s ease;
}
.hero-email a:hover { border-bottom-color: #1d4ed8; }
.hero-eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--highlight);
  margin-bottom: 1.75rem;
}
.hero-title {
  font-size: clamp(2.2rem, 4.8vw, 3.4rem);
  font-weight: 700;
  line-height: 1.05;
  letter-spacing: -0.015em;
  color: var(--text);
  margin-bottom: 0.4rem;
  font-family: var(--sans);
}
.hero-tagline {
  font-size: clamp(0.92rem, 1.2vw, 1.05rem);
  font-weight: 600;
  font-style: normal;
  letter-spacing: 0.005em;
  color: var(--text-muted);
  margin-bottom: 0.25rem;
  font-family: var(--sans);
  white-space: nowrap;
}
.hero-tagline .dot-gold {
  color: #d4a019;
  margin: 0 0.3em;
  font-weight: 900;
  font-size: 1.4em;
  vertical-align: -2px;
  display: inline-block;
}
.hero-experience {
  font-size: clamp(1.05rem, 1.45vw, 1.2rem);
  font-weight: 700;
  letter-spacing: 0.005em;
  color: var(--text);
  margin-bottom: 1.5rem;
  font-family: var(--sans);
}
.hero-bullets {
  list-style: disc;
  padding-left: 1.4rem;
  margin: 0 0 2rem;
  max-width: 640px;
}
.hero-bullets li {
  font-size: clamp(1rem, 1.4vw, 1.12rem);
  color: var(--text);
  font-weight: 500;
  line-height: 1.45;
  padding: 4px 0;
}
.hero-bullets li::marker {
  color: var(--highlight);
  font-size: 1.15em;
}
.hero-lede {
  font-size: clamp(1.05rem, 1.6vw, 1.2rem);
  color: var(--text-muted);
  max-width: 640px;
  margin-bottom: 2.5rem;
  line-height: 1.55;
  font-weight: 400;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
  margin-bottom: 2.5rem;
}
.hero-meta {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--highlight);
  flex-wrap: nowrap;
  white-space: nowrap;
}
.hero-meta .dot { color: #000; font-weight: 700; }

/* ============ SECTION ============ */
.section { padding: 6rem 0; border-bottom: 1px solid var(--line); }
.section-alt { background: var(--bg-alt); }
.section-eyebrow {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--highlight);
  margin-bottom: 1rem;
}
.section-eyebrow.center { text-align: center; }
.section-eyebrow.contact-eyebrow-big {
  font-size: 1.1rem;
  letter-spacing: 0.22em;
  margin-bottom: 1.5rem;
}
.section-title {
  font-size: clamp(1.875rem, 3.8vw, 2.65rem);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--text);
  max-width: 22ch;
}
.section-title.center { text-align: center; margin-left: auto; margin-right: auto; }
.section-body p {
  font-size: 1.075rem;
  color: var(--text-muted);
  margin-bottom: 1.35rem;
  max-width: 60ch;
  line-height: 1.65;
}
.section-body p:last-child { margin-bottom: 0; }

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1.35fr;
  gap: 5rem;
  align-items: start;
}

/* ============ ABOUT ============ */
.about-grid {
  display: grid;
  grid-template-columns: 190px 1fr;
  gap: 3rem;
  align-items: start;
}
.about-image {
  position: relative;
  border-radius: 6px;
  overflow: hidden;
  box-shadow: 0 25px 60px -30px rgba(19, 27, 43, 0.35);
  max-width: 190px;
  margin-top: 4rem;
}
.about-image img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  display: block;
}
.about-body p {
  font-size: 1.075rem;
  color: var(--text-muted);
  margin-bottom: 1.35rem;
  max-width: 56ch;
  line-height: 1.65;
}
.about-body strong { color: var(--text); font-weight: 700; }
.about-body em { color: var(--text); font-weight: 500; font-style: italic; }
.about-body .section-title { margin-bottom: 1.5rem; }
.signature {
  font-weight: 500;
  color: var(--text);
  margin-top: 0.5rem !important;
  font-size: 1rem !important;
}
.about-quote {
  font-size: 1.35rem;
  font-weight: 600;
  font-style: italic;
  color: var(--text);
  padding-left: 1.5rem;
  border-left: 3px solid var(--highlight);
  margin-top: 1.85rem;
  max-width: 36ch;
  letter-spacing: -0.005em;
  line-height: 1.35;
}

/* ============ STATS ============ */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-top: 3.5rem;
  padding-top: 3rem;
  border-top: 1px solid var(--line);
}
.stat-num {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 600;
  letter-spacing: -0.02em;
  color: var(--text);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.stats > div { position: relative; padding-top: 0.25rem; }
.stats > div::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 28px;
  height: 2px;
  background: var(--highlight);
}
.stat-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-soft);
  line-height: 1.4;
}

/* ============ FEATURE BAND ============ */
.feature-band {
  width: 100%;
  height: 420px;
  overflow: hidden;
  position: relative;
  border-bottom: 1px solid var(--line);
}
.feature-band img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
  filter: saturate(0.92) contrast(1.02);
}
.feature-video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
}
.video-band::after {
  /* hide the dark overlay for the video so motion is uninterrupted */
  display: none;
}

/* ============ MOBILE-ONLY MASCOT BAND ============ */
.mobile-mascot {
  display: none; /* shown only on phones via media query below */
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  padding: 1.5rem 1rem 1.75rem;
  background: var(--bg);
  border-bottom: 1px solid var(--line);
}
.mobile-mascot img {
  max-width: 220px;
  width: 100%;
  height: auto;
  filter: drop-shadow(0 10px 20px rgba(19, 27, 43, 0.18));
  border-radius: 6px;
}
.mobile-mascot-label {
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0.005em;
  color: var(--text);
}
.mobile-mascot-caption {
  font-size: 1.15rem;
  font-weight: 700;
  font-style: italic;
  letter-spacing: 0.005em;
  color: var(--highlight);
}
.feature-band::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(19, 27, 43, 0.18) 0%, rgba(19, 27, 43, 0.4) 100%);
  pointer-events: none;
}
.feature-band-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1;
  text-align: center;
  padding: 2rem;
}
.feature-band-overlay .quote {
  font-size: clamp(1.5rem, 3.2vw, 2.1rem);
  font-weight: 600;
  font-style: italic;
  color: #fff;
  letter-spacing: -0.015em;
  line-height: 1.3;
  max-width: 32ch;
  text-shadow: 0 2px 30px rgba(0, 0, 0, 0.5);
}

/* ============ PROMISE BAND ============ */
.promise-band {
  background: var(--bg);
  border-bottom: 1px solid var(--line);
}
.promise-box {
  text-align: center;
  padding: 3.5rem 1.75rem 2.5rem;
  max-width: 720px;
}
.promise-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--highlight);
  margin-bottom: 0.85rem;
}
.promise-text {
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 700;
  font-style: normal;
  letter-spacing: -0.015em;
  color: var(--text);
  line-height: 1.3;
  max-width: 30ch;
  margin: 0 auto;
}
.quoted-value {
  font-weight: 700;
  font-style: normal;
  color: var(--text);
}
.promise-image {
  border-top: 1px solid var(--line);
}

/* ============ LOAN LIST ============ */
.loans-display {
  text-align: center;
  font-size: clamp(1rem, 1.6vw, 1.15rem);
  font-weight: 500;
  letter-spacing: 0.005em;
  color: var(--text);
  line-height: 2.1;
  max-width: 880px;
  margin: 2rem auto 0;
}
.loans-display .sep { color: var(--highlight); padding: 0 0.55rem; font-weight: 400; }

/* ============ APPLY CTA — small mascot ============ */
.apply-section {
  text-align: center;
  padding: 6rem 0;
}
.apply-inner { max-width: 720px; margin: 0 auto; }
.apply-mark {
  display: block;
  max-width: 280px;
  margin: 0 auto 1.5rem;
  filter: drop-shadow(0 8px 18px rgba(19, 27, 43, 0.18));
  border-radius: 4px;
}
.apply-section .section-title {
  margin: 0 auto 1rem;
  text-align: center;
}
.apply-lede {
  color: var(--text-muted);
  font-size: 1.075rem;
  max-width: 56ch;
  margin: 1rem auto 2rem;
  line-height: 1.65;
}
.apply-meta {
  margin-top: 2rem;
  font-size: 0.95rem;
  color: var(--text-muted);
}
.apply-meta a {
  color: var(--text);
  font-weight: 500;
  border-bottom: 1px solid transparent;
  transition: border-color 0.15s ease;
}
.apply-meta a:hover { border-color: var(--text); }

.contact-heading {
  font-size: clamp(1.15rem, 2vw, 1.4rem);
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--text);
  margin: 1.5rem 0 0.75rem;
  text-align: center;
}
.contact-phone {
  text-align: center;
  margin: 0.4rem 0 0.6rem;
}
.contact-phone a {
  font-size: clamp(2rem, 5vw, 2.85rem);
  font-weight: 700;
  letter-spacing: -0.015em;
  color: var(--text);
  border-bottom: 2px solid transparent;
  transition: border-color 0.15s ease;
}
.contact-phone a:hover { border-bottom-color: var(--text); }
.contact-email {
  text-align: center;
  margin: 0 0 1.75rem;
  padding: 0 0.5rem;
  word-break: keep-all;
  overflow-wrap: normal;
}
.contact-email a {
  font-size: clamp(0.78rem, 3.4vw, 1.25rem);
  font-weight: 500;
  color: #1d4ed8;
  border-bottom: 1px solid transparent;
  transition: border-color 0.15s ease;
  white-space: nowrap;
  display: inline-block;
  max-width: 100%;
}
.contact-email a:hover { border-bottom-color: #1d4ed8; }
.contact-or {
  text-align: center;
  margin: 0.75rem 0 1rem;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-soft);
}

/* ============ REVIEWS CTA ============ */
.reviews-cta {
  background: var(--text);
  color: #fff;
  text-align: center;
  padding: 4.5rem 0;
}
.reviews-cta .section-eyebrow { color: var(--highlight-soft); }
.reviews-cta h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.35rem);
  font-weight: 600;
  letter-spacing: -0.015em;
  margin-bottom: 1rem;
  color: #fff;
}
.reviews-cta p {
  color: rgba(255, 255, 255, 0.78);
  max-width: 56ch;
  margin: 0 auto 1.5rem;
  font-size: 1.05rem;
  line-height: 1.6;
}
.reviews-stars {
  display: flex;
  justify-content: center;
  gap: 0.4rem;
  margin-bottom: 1rem;
}
.reviews-stars svg { width: 26px; height: 26px; fill: var(--highlight-soft); }
.reviews-cta .btn-primary {
  background: #fff;
  color: var(--text);
}
.reviews-cta .btn-primary:hover { background: var(--bg); color: var(--text); }

/* ============ CORE FINANCIAL STRIP ============ */
.core-strip {
  background: var(--bg-alt);
  padding: 2rem 0;
  border-top: 1px solid var(--line);
}
.core-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  flex-wrap: wrap;
  text-align: center;
}
.core-grid img {
  width: 130px;
  height: auto;
  flex-shrink: 0;
}
.core-grid .text-block {
  text-align: left;
}
.core-grid .text-block .label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-soft);
  margin-bottom: 0.2rem;
}
.core-grid .text-block .name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.005em;
}
.core-grid .text-block a {
  font-size: 0.85rem;
  color: var(--text);
  font-weight: 500;
  border-bottom: 1px solid var(--text);
}
.core-grid .text-block a:hover { color: var(--text-muted); border-color: var(--text-muted); }

/* ============ FOOTER ============ */
.site-footer {
  background: var(--text);
  color: #c5cbd8;
  padding: 2.5rem 0 1.75rem;
  font-size: 0.86rem;
  line-height: 1.65;
}
.footer-row {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.25rem;
  align-items: flex-start;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.ehl-svg { width: 60px; height: 60px; fill: #fff; flex-shrink: 0; }
.compliance-text { font-size: 0.8rem; color: #a4abbc; line-height: 1.7; }
.compliance-text strong { color: #fff; font-weight: 600; }
.compliance-text a { color: #c5cbd8; border-bottom: 1px solid transparent; }
.compliance-text a:hover { border-bottom-color: #c5cbd8; }
.footer-bottom {
  margin-top: 1.25rem;
  text-align: center;
  font-size: 0.74rem;
  color: #6b7591;
  letter-spacing: 0.04em;
}

/* ============ RESPONSIVE ============ */
@media (max-width: 860px) {
  .hero { padding: 2rem 0 2rem; }
  .hero-grid { grid-template-columns: 1fr; gap: 1.75rem; }
  .hero-image { order: -1; }
  .hero-image img { max-width: 180px; }
  .hero-image-label { font-size: 0.85rem; }
  .grid-2 { grid-template-columns: 1fr; gap: 2rem; }
  .about-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .feature-band { height: 280px; }
  .promise-box { padding: 2.5rem 1.5rem 1.75rem; }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 1.75rem; }
  .footer-row { grid-template-columns: 1fr; }
  .ehl-svg { margin: 0 auto; }
  .compliance-text { text-align: center; }
}

@media (max-width: 720px) {
  .nav { padding: 0.6rem 1rem; gap: 0.85rem; }
  .nav-links { gap: 0.85rem; }
  .nav-links a:not(.nav-cta) { display: none; }
  .nav-cta { padding: 0.55rem 0.95rem; font-size: 0.76rem !important; }
  .brand-photo { width: 44px; height: 44px; }
  .brand-name { font-size: 1.1rem; }
  .brand-sub { font-size: 0.62rem; letter-spacing: 0.12em; }
  .section { padding: 4rem 0; }
  .core-grid .text-block { text-align: center; }

  /* Mobile hero — get the video above the fold */
  .hero { padding: 0.75rem 0 0.5rem; }
  .hero-grid { gap: 0.85rem; }
  .hero-eyebrow { display: none; }      /* NMLS info shown again in footer */
  .hero-lede { display: none; }          /* long-form copy hidden on phones */
  .hero-image { display: none; }         /* mascot is decorative; saves ~220px */
  .hero-title { font-size: 2.1rem; margin-bottom: 0.3rem; }
  .hero-tagline {
    font-size: 0.9rem;
    margin-bottom: 0.25rem;
    white-space: normal;       /* allow wrap on phones */
    word-spacing: -0.05em;
  }
  .hero-tagline .dot-gold { font-size: 1.2em; margin: 0 0.25em; }
  .hero-experience { font-size: 1rem; margin-bottom: 0.85rem; }
  .hero-bullets { padding-left: 1.1rem; margin-bottom: 1rem; }
  .hero-bullets li { font-size: 0.92rem; padding: 3px 0; }
  .hero-email { margin-bottom: 0.75rem; font-size: 0.85rem; }
  .hero-actions {
    margin-bottom: 0.85rem;
    gap: 0.5rem;
    flex-direction: column;     /* stack buttons so they never overflow */
    align-items: stretch;
  }
  .hero-actions .btn-primary,
  .hero-actions .btn-secondary {
    padding: 0.72rem 1rem;
    font-size: 0.82rem;
    width: 100%;
    text-align: center;
  }
  .hero-meta {
    font-size: 0.62rem;
    gap: 0.35rem;
    letter-spacing: 0.04em;
    flex-wrap: wrap;            /* allow wrap on phones */
    white-space: normal;
    justify-content: center;
  }
  .feature-band { height: 240px; }
  .mobile-mascot { display: flex; }
  .about-image {
    max-width: 180px;
    margin-top: 0;
    margin-left: auto;
    margin-right: auto;
  }
  .about-image img { aspect-ratio: 1 / 1; object-position: center 30%; }
  .about-grid { grid-template-columns: 1fr; }
}