/* ============================================================
   MORTGAGE PTSD — Shared Site Styles (OPTION 1 / LIGHT SECTION)
   Light-theme twin of site.css. Used by the *-1.html duplicates.
   Same class names + structure; only surfaces/text are flipped to
   Option 1's white look (white glass nav, transparent footer,
   navy ink text, pink accents).
============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
  /* Contains horizontal overflow. Deliberately NOT `overflow-x: hidden` on
     <body>: there it computes to overflow-y:auto, makes <body> a scroll
     container, and silently kills every `position: sticky` on the page. */
  overflow-x: clip;
}
body {
  font-family: var(--font-body);
  font-weight: 400;
  color: var(--light);
  background: var(--navy-deep);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, select, textarea { font: inherit; color: inherit; }
::selection { background: var(--accent-fill); color: #fff; }

/* ---- TOKENS MOVED OUT ----
   The :root block that used to sit here now lives in assets/tokens.css,
   which every page loads BEFORE this file. It was one of five copies of
   the same token set and they had already drifted apart. Do not re-add
   a :root block here. ---- */

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 28px; }
@media (max-width: 768px) { .container { padding: 0 20px; } }

/* Typography */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--light);
  font-weight: 300;
}
h1 { font-size: clamp(2.5rem, 6.5vw, 5.25rem); }
h2 { font-size: clamp(2rem, 4.5vw, 3.5rem); font-weight: 300; }
h3 { font-size: clamp(1.25rem, 2.2vw, 1.6rem); font-weight: 500; }
h4 { font-size: 1rem; font-weight: 500; letter-spacing: 0.04em; }
.accent { color: var(--accent-text); }
p { color: var(--light-dim); }

/* Eyebrow pill */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 16px;
  border-radius: 999px;
  border: 1px solid transparent;
  background: transparent;
  color: var(--accent-text);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.eyebrow-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 10px var(--accent);
  animation: pulse-dot 2.5s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.4); }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 28px;
  border-radius: 999px;
  font-weight: 500;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  position: relative;
  overflow: hidden;
  transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.3s var(--ease), background 0.3s var(--ease);
  white-space: nowrap;
  cursor: pointer;
  text-align: center;
}
.btn .arrow { transition: transform 0.4s var(--ease); display: inline-block; }
.btn:hover .arrow { transform: translateX(4px); }
.btn[disabled] { opacity: 0.4; cursor: not-allowed; pointer-events: none; }
.btn-primary {
  background: var(--cta-fill);
  color: #fff;
  box-shadow: 0 14px 34px -14px rgba(22, 33, 62, 0.4), inset 0 1px 0 rgba(255,255,255,0.25);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 20px 44px -14px rgba(22, 33, 62, 0.5), inset 0 1px 0 rgba(255,255,255,0.3); }
.btn-neumorphic {
  background: linear-gradient(180deg, rgba(22, 33, 62, 0.08), rgba(22, 33, 62, 0.03));
  border: 1px solid var(--line-strong);
  color: var(--light);
  box-shadow: 0 10px 30px -10px rgba(22, 33, 62, 0.15);
}
.btn-neumorphic::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(255, 77, 141, 0.14), transparent 60%);
  opacity: 0;
  transition: opacity 0.3s var(--ease);
  pointer-events: none;
}
.btn-neumorphic:hover { border-color: rgba(255, 77, 141, 0.35); transform: translateY(-2px); }
.btn-neumorphic:hover::after { opacity: 1; }
.btn-ghost {
  background: transparent;
  border: 1px solid var(--line);
  color: var(--light-dim);
}
.btn-ghost:hover { color: var(--light); border-color: var(--line-strong); }
.btn-link {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--light-dim);
  font-weight: 400;
  padding: 12px 4px;
  transition: color 0.3s var(--ease);
}
.btn-link:hover { color: var(--light); }
.btn-link svg { transition: transform 0.4s var(--ease); }
.btn-link:hover svg { transform: translateY(3px); }

/* ============================================================
   NAV  (white glass, matches Option 1)
============================================================ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  padding: 18px 0;
  transition: all 0.4s var(--ease);
  background: rgba(255, 255, 255, 0.72);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid var(--line);
}
.nav.scrolled {
  background: rgba(255, 255, 255, 0.90);
  padding: 12px 0;
  border-bottom-color: var(--line);
  box-shadow: 0 10px 30px -14px rgba(22, 33, 62, 0.18);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.logo { display: flex; align-items: center; gap: 12px; font-size: 1.15rem; font-weight: 700; }
.logo-mark {
  width: 44px; height: 44px;
  border-radius: 50%;
  object-fit: contain;
  display: block;
  flex: none;
  box-shadow: 0 4px 14px rgba(22, 33, 62, 0.14);
}
.logo-text { font-weight: 700; }
.logo-text em { color: var(--accent-text); font-style: normal; font-weight: 800; }

.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav-links a {
  position: relative;
  padding: 10px 14px;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--light);
  transition: color 0.3s var(--ease);
}
.nav-links a:hover, .nav-links a.current { color: var(--accent-text); }
.nav-links a.current::after {
  content: '';
  position: absolute;
  left: 14px; right: 14px; bottom: 4px;
  height: 1px;
  background: var(--accent);
}
.nav-links a::before {
  content: '';
  position: absolute;
  left: 14px; right: 14px; bottom: 4px;
  height: 1px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease);
}
.nav-links a:hover::before { transform: scaleX(1); }
.nav-links a.current::before { display: none; }

.dropdown { position: relative; }
.dropdown-trigger::after { content: '▾'; margin-left: 6px; font-size: 0.6rem; opacity: 0.6; }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 6px); left: 0;
  background: var(--navy-card);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 8px;
  min-width: 220px;
  opacity: 0; visibility: hidden;
  transform: translateY(-6px);
  transition: all 0.3s var(--ease);
  list-style: none;
  box-shadow: var(--shadow-lg);
}
.dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu a { display: block; padding: 10px 14px; border-radius: 8px; font-size: 0.88rem; }
.dropdown-menu a::before, .dropdown-menu a::after { display: none; }
.dropdown-menu a:hover { background: rgba(255, 77, 141, 0.08); color: var(--accent-text); }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-cta .btn { padding: 10px 20px; font-size: 0.82rem; }

.hamburger {
  display: none;
  width: 40px; height: 40px;
  border-radius: 10px;
  align-items: center; justify-content: center;
  border: 1px solid var(--line);
  background: rgba(22, 33, 62, 0.04);
}
.hamburger span { display: block; width: 16px; height: 1.5px; background: var(--light); position: relative; }
.hamburger span::before, .hamburger span::after {
  content: ''; position: absolute; left: 0; width: 16px; height: 1.5px; background: var(--light);
  transition: transform 0.3s var(--ease);
}
.hamburger span::before { top: -5px; }
.hamburger span::after { top: 5px; }
.hamburger.open span { background: transparent; }
.hamburger.open span::before { top: 0; transform: rotate(45deg); }
.hamburger.open span::after { top: 0; transform: rotate(-45deg); }

.mobile-menu {
  position: fixed;
  top: 70px; left: 0; right: 0; bottom: 0;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(20px);
  padding: 32px 28px;
  transform: translateY(-100%);
  opacity: 0; pointer-events: none;
  transition: all 0.45s var(--ease);
  z-index: 99;
  overflow-y: auto;
}
.mobile-menu.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
.mobile-menu ul { list-style: none; }
.mobile-menu li { border-bottom: 1px solid var(--line); }
.mobile-menu li > a { display: block; padding: 18px 4px; font-size: 1.25rem; font-weight: 700; color: var(--light); }
.mobile-menu .submenu { padding-left: 16px; }
.mobile-menu .submenu a { font-size: 0.95rem; font-weight: 700; padding: 12px 4px; color: var(--light-dim); }
.mobile-menu .mobile-cta { margin-top: 32px; display: inline-flex; }

@media (max-width: 1024px) { .nav-links { display: none; } .nav-cta .btn.btn-neumorphic { display: none; } }
@media (max-width: 768px) { .hamburger { display: inline-flex; } .nav-cta .btn.btn-primary { display: none; } }

/* ============================================================
   PAGE-LEVEL PRIMITIVES
============================================================ */
section { position: relative; }
section.std { padding: 110px 0; }
@media (max-width: 768px) { section.std { padding: 72px 0; } }

.sec-head { text-align: center; max-width: 760px; margin: 0 auto 60px; }
.sec-head .eyebrow { margin-bottom: 20px; }
.sec-head h2 { margin-bottom: 16px; }
.sec-head p { font-size: 1.05rem; }

.page-hero-stub {
  position: relative;
  padding: 160px 0 80px;
  background: linear-gradient(135deg, #f5f6f7 0%, #ffffff 55%, #eef0f2 100%);
  text-align: center;
  overflow: hidden;
}
.page-hero-stub::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(circle at 30% 20%, rgba(255, 77, 141, 0.08), transparent 60%),
    radial-gradient(circle at 70% 30%, rgba(22, 33, 62, 0.06), transparent 60%);
  pointer-events: none;
}
.page-hero-stub > .container { position: relative; z-index: 2; }
.page-hero-stub .eyebrow { margin-bottom: 28px; }
.page-hero-stub h1 {
  margin: 0 auto 24px;
  max-width: 860px;
  font-size: clamp(2.5rem, 6vw, 5rem);
  font-weight: 300;
  line-height: 1.02;
  letter-spacing: -0.025em;
}
.page-hero-stub p {
  max-width: 620px;
  margin: 0 auto 36px;
  font-size: clamp(1.02rem, 1.4vw, 1.18rem);
}
.page-hero-ctas {
  display: flex; flex-wrap: wrap; gap: 16px; justify-content: center;
}

/* ============================================================
   READY CTA (used at the bottom of most pages)
============================================================ */
.ready {
  padding: 100px 0;
  text-align: center;
  background:
    radial-gradient(ellipse at 50% 50%, rgba(255, 77, 141, 0.07), transparent 60%),
    var(--navy-deep);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.ready .eyebrow { margin-bottom: 18px; }
.ready h2 { margin-bottom: 20px; }
.ready p { max-width: 580px; margin: 0 auto 32px; font-size: 1.05rem; }

/* ============================================================
   NAVY TILES — white page, navy panels, pink accents.
   The same treatment the home page uses for its stat tiles, loan
   panels and calculator. The tile redefines --light* / --line LOCALLY,
   so every descendant flips to light-on-navy with no extra rules.
   Raised surfaces inside a tile use --ink-hi (white at low alpha), i.e.
   the same navy lifted — never a second blue.
============================================================ */
.navy-tile {
  background: var(--ink);
  border: 1px solid rgba(255, 255, 255, 0.10);
  color: #ffffff;
  --light: #ffffff;
  /* Pink and gold TEXT go back to the bright values on this navy
     surface: #ff4d8d is 5.07:1 here, and the darker --accent-text
     would drop to 3.10:1. Same reason --light flips above. */
  --accent-text: var(--accent);
  --gold-text: var(--gold);
  --light-dim: rgba(255, 255, 255, 0.82);
  --light-mute: rgba(255, 255, 255, 0.58);
  --line: rgba(255, 255, 255, 0.14);
  --line-strong: rgba(255, 255, 255, 0.26);
  box-shadow: 0 22px 55px -30px rgba(22, 33, 62, 0.45);
}
.navy-tile a { color: #ffffff; }
.navy-tile .accent { color: var(--accent-text); }

/* ============================================================
   FOOTER layout. The SKIN (navy panel, light text, knocked-out
   marks) lives in assets/chrome.css so it is defined exactly once
   for the whole site. Only structure belongs here.
============================================================ */
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand .logo { margin-bottom: 18px; }
.footer-brand .logo-mark { width: 38px; height: 38px; }
.footer-brand p { font-size: 0.95rem; font-weight: 700; color: var(--light); margin-bottom: 24px; max-width: 360px; }
.footer-states {
  font-size: 0.78rem; color: var(--light); font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
}
.footer-states strong { display: block; color: var(--accent-text); margin-bottom: 6px; font-weight: 800; }
.footer-social { display: flex; align-items: center; gap: 12px; margin-top: 24px; }
.footer-social a {
  width: 42px; height: 42px;
  display: grid; place-items: center;
  border-radius: 50%;
  color: var(--light);
  background: rgba(22, 33, 62, 0.06);
  border: 1px solid var(--line-strong);
  transition: transform 0.3s var(--ease), background 0.3s var(--ease), border-color 0.3s var(--ease), color 0.3s var(--ease);
}
.footer-social a:hover {
  transform: translateY(-3px);
  color: #fff;
  background: var(--cta-fill);
  border-color: transparent;
  box-shadow: 0 10px 24px -8px rgba(22, 33, 62, 0.25);
}
.footer-social svg { width: 20px; height: 20px; display: block; }
.footer-col h5 {
  font-size: 0.74rem; font-weight: 800;
  letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--accent-text); margin-bottom: 18px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { color: var(--light); font-weight: 700; font-size: 0.9rem; transition: color 0.3s var(--ease); }
.footer-col a:hover { color: var(--accent-text); }
.footer-col .line { color: var(--light); font-weight: 700; font-size: 0.9rem; }
.footer-col .small { color: var(--light); font-weight: 700; font-size: 0.82rem; }
.footer-disclaimer { padding-top: 36px; margin-top: 28px; border-top: 1px solid var(--line); display: flex; flex-direction: column; gap: 14px; }
.footer-disclaimer p { font-size: 0.74rem; color: var(--light-dim); font-weight: 700; line-height: 1.6; }
.footer-bottom {
  margin-top: 28px; padding-top: 22px;
  border-top: 1px solid var(--line);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px;
  font-size: 0.76rem; color: var(--light); font-weight: 700;
}
.footer-bottom a { color: var(--light); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(22, 33, 62, 0.25); }
.footer-bottom a:hover { color: var(--accent-text); text-decoration-color: var(--accent-text); }

/* ============================================================
   REVEAL ANIMATIONS
============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
.reveal.in { opacity: 1; transform: translateY(0); }
.reveal.delay-1 { transition-delay: 0.08s; }
.reveal.delay-2 { transition-delay: 0.16s; }
.reveal.delay-3 { transition-delay: 0.24s; }
.reveal.delay-4 { transition-delay: 0.32s; }
.reveal.delay-5 { transition-delay: 0.40s; }
.reveal.delay-6 { transition-delay: 0.48s; }
