/* =========================================================
   Bhawan Litt — Mortgage Solutions Built Around You.
   Design tokens: Deep harbour navy + brass accent, on a
   warm parchment ground. Fraunces for headings (editorial,
   trustworthy), Inter for body/UI.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy-deep:   #0E2A47;
  --navy-mid:    #1C4E80;
  --navy-tint:   #E7EEF5;
  --brass:       #D0902E;
  --brass-dark:  #D0902E;
  --parchment:   #F6F3EC;
  --parchment-2: #EFEAE0;
  --ink:         #23282F;
  --ink-soft:    #565C66;
  --line:        #DCD5C6;
  --white:       #FFFFFF;
  --success:     #2F6659;

  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius-s: 4px;
  --radius-m: 10px;
  --shadow-card: 0 10px 30px -18px rgba(14,42,71,.35);
  --container: 1320px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--parchment);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--navy-deep);
  line-height:1.15;
  margin:0 0 .5em;
  font-weight:600;
}
h1{ font-size:clamp(2.1rem, 3.4vw + 1rem, 3rem); font-weight:600; }
h2{ font-size:clamp(1.6rem, 1.6vw + 1.1rem, 2.35rem); }
h3{ font-size:1.3rem; }
p{ margin:0 0 1em; color:var(--ink-soft); }
.container{ max-width: 90%; margin:0 auto; padding:0 24px; }

:focus-visible{
  outline:3px solid var(--brass);
  outline-offset:2px;
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration:.001ms !important; animation-iteration-count:1 !important; transition-duration:.001ms !important; scroll-behavior:auto !important; }
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:.5rem;
  padding:.8rem 1rem;
  border-radius:30px;
  font-weight:600;
  font-size:.98rem;
  border:1px solid transparent;
  cursor:pointer;
  transition:background-color .18s ease, color .18s ease, border-color .18s ease, transform .18s ease;
  white-space:nowrap;
}
.btn-brass{
  background:var(--brass);
  color:var(--white);
}
.btn:hover{
  color: var(--brass);
}
.btn-brass:hover{ background:var(--brass-dark); color:var(--white); }
.btn-outline-light{
  background:transparent;
  border-color:rgba(255,255,255,.55);
  color:var(--white);
}
.btn-outline-light:hover{ background:rgba(255,255,255,.12); border-color:var(--white); }
.btn-navy{
  background:var(--navy-deep);
  color:var(--white);
}
.btn-navy:hover{ background:var(--brass); }
.btn-outline-navy{
  background:transparent;
  border-color:var(--navy-deep);
  color:var(--navy-deep);
}
.btn-outline-navy:hover{ background:var(--navy-deep); color:var(--white); }
.btn-block{ width:100%; }

/* ---------- Topbar ---------- */
.topbar{
  background:var(--navy-deep);
  color:#CBD9E8;
  font-size:.85rem;
}
.topbar .container{
  display:flex;
  justify-content:flex-end;
  gap:1.5rem;
  padding-top:6px;
  padding-bottom:6px;
}
.topbar a{ color:#CBD9E8; }
.topbar a:hover{ color:var(--white); }

/* ---------- Navbar ---------- */
.site-header{
  background:var(--white);
  border-bottom:1px solid var(--line);
  position:sticky;
  top:0;
  z-index:100;
}
.navbar{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
}
.brand img{ height:46px; width:auto; }

.navbar-toggler{
  border:1px solid var(--line);
  border-radius:var(--radius-s);
  padding:8px 10px;
}
.navbar-toggler:focus{ box-shadow:0 0 0 3px rgba(185,135,59,.25); }
.navbar-toggler-icon{
  background-image:url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%230E2A47' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.main-nav{ gap:6px; }
.main-nav .nav-link{
  font-family:var(--font-body);
  font-size:.96rem;
  font-weight:500;
  color:var(--ink) !important;
  padding:10px 14px !important;
  border-bottom:2px solid transparent;
}
.main-nav .nav-link:hover, .main-nav .nav-link.active{
  color:var(--navy-deep) !important;
  border-bottom-color:var(--brass);
}
.nav-cta{ display:flex; align-items:center; gap:18px; }
.nav-phone{
  display:flex;
  align-items:center;
  gap:8px;
  font-weight:600;
  color:var(--navy-deep);
  white-space:nowrap;
}
.nav-phone svg{ width:18px; height:18px; flex:none; }

@media (max-width: 991px){
  .navbar-collapse{ padding:14px 0 20px; border-top:1px solid var(--line); margin-top:14px; }
  .main-nav .nav-link{ border-bottom:none !important; border-left:2px solid transparent; padding:10px 4px !important; }
  .main-nav .nav-link.active, .main-nav .nav-link:hover{ border-left-color:var(--brass); padding-left:12px !important; }
  .nav-cta{ margin-top:14px; flex-wrap:wrap; }
}

/* ---------- Hero ---------- */
.hero{
  background:var(--navy-deep);
  color:var(--white);
  position:relative;
  overflow:hidden;
  padding-bottom:58px; /* matches .rate-strip's -58px overlap so photos sit flush on the white box, no gap */
}
.hero .container{
  padding-top:64px;
  padding-bottom:0;
}
.hero-grid{
  display:grid;
  grid-template-columns:minmax(32%,.8fr) 1.4fr minmax(32%,.8fr);
  gap:16px;
  align-items:end;
}
.hero-eyebrow{
  font-family:var(--font-display);
  font-style:italic;
  color:#B7C7DA;
  font-size:1.05rem;
  margin-bottom:.75rem;
}
.hero h1{ color:var(--white); }
.hero-center{
  text-align: center;
  top: -20%;
  position: relative;
  z-index: 45;
}
.hero-center h1{
  font-size: 2.5rem;
}
.hero p.lead{
  color:#C6D3E2;
  font-size:1.1rem;
  max-width:46ch;
  margin-left:auto;
  margin-right:auto;
}
.hero-actions{ display:flex; gap:14px; flex-wrap:wrap; margin-top:1.75rem; justify-content:center; }

/* ---------- Hero people (Bhawan / Arjun) ---------- */
.hero-person{
  display:block;
  align-items:center;
  gap:12px;
}
.hero-person-right{ flex-direction:row-reverse; }
.hero-person-photo img{
  object-position: bottom;
  height: 550px;
  width: 100%;
  filter: drop-shadow(0 14px 22px rgba(0,0,0,.4));
  object-fit: contain;
}
.hero-person-info{
  position: absolute;
  margin-bottom: 55px;
  bottom: 0;
  padding: 10px;
  z-index: 12;
  margin-left: 20px; 
}
.hero-person::before{
  content:"";
  position:absolute;
  left:0;
  top:0;
  width:100%;
  height:100%;
  background: linear-gradient(0deg,rgba(18, 12, 12, 0.52) 20%, rgba(0, 0, 0, 0) 38%);
  z-index: 1;
}
/* .hero-person-photo::before{
  content:"";
  position:absolute;
  left:0;
  top:0;
  width:100%;
  height:100%;
  background: linear-gradient(0deg,rgba(18, 12, 12, 0.52) 45%, rgba(0, 0, 0, 0) 81%);
} */
.hero-person-role{
  margin:0 0 .25rem;
  font-size:1rem;
  font-weight:700;
  letter-spacing:.04em;
  text-transform:uppercase;
  color:var(--brass);
  line-height:1.3;
  
}
.hero-person-name{ margin:0rem; white-space:nowrap; font-size: 1.5rem;}
.hero-person-name a{
  font-family:var(--font-display);
  font-size:1.1rem;
  font-weight:600;
  color:var(--white);
}
.hero-person-name a:hover{ color:var(--brass); text-decoration:underline; }
.hero-person-licenses{ margin:0; }
.hero-person-licenses li{
  font-size:1rem;
  line-height:1.55;
  color:#AEC0D3;
  position:relative;
  padding-left:11px;
}
.hero-person-licenses li::before{
  content:"";
  position:absolute;
  left:0;
  top:.55em;
  width:4px;
  height:4px;
  border-radius:50%;
  background:var(--brass);
}

@media (max-width: 991px){
  .hero-grid{ grid-template-columns:1fr; }
  .hero-person{ justify-content:center; max-width:360px; margin:0 auto; }
  .hero-person-right{ flex-direction:row; order:3; }
  .hero-center{ order:2; padding-bottom:40px; }
  .hero-person-left{ order:1; }
  .hero-person-photo{ width:190px; }
  .hero-person-name{ white-space:normal; }
}
@media (max-width: 860px){
  .hero .container{ padding-top:40px; }
}

/* ---------- Section basics ---------- */
section{ padding:76px 0; }
.section-tight{ padding:56px 0; }
.section-navy{ background:var(--navy-deep); color:var(--white); }
.section-navy h2, .section-navy h3{ color:var(--white); }
.section-navy p{ color:#C6D3E2; }
.section-tint{ background:var(--navy-tint); }
.section-header{ max-width:680px; margin-bottom:2.5rem; }
.section-header .kicker{
  color:var(--brass-dark);
  font-family:var(--font-display);
  font-style:italic;
  font-size:1.05rem;
  margin-bottom:.4rem;
}
.section-navy .section-header .kicker{ color:var(--brass); }

/* ---------- Rate strip ---------- */
.rate-strip{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  display:grid;
  grid-template-columns:repeat(3,1fr);
  box-shadow:var(--shadow-card);
  margin-top:-58px;
  position:relative;
  z-index:2;
}
.rate-strip .rate-cell{
  text-align:center;
  padding:26px 18px;
  border-right:1px solid var(--line);
}
.rate-strip .rate-cell:last-child{ border-right:none; }
.rate-strip .rate-label{ font-size:.85rem; color:var(--ink-soft); margin-bottom:.35rem; }
.rate-strip .rate-value{ font-family:var(--font-display); color:var(--navy-deep); font-size:2rem; font-weight:600; }
@media (max-width: 700px){
  .rate-strip{ grid-template-columns:1fr; margin-top:24px; }
  .rate-strip .rate-cell{ border-right:none; border-bottom:1px solid var(--line); }
  .rate-strip .rate-cell:last-child{ border-bottom:none; }
  /* rate-strip no longer overlaps the hero at this size, so restore the section's normal bottom padding */
  .hero{ padding-bottom:76px; }
}

/* ---------- Cards / grids ---------- */
.grid{ display:grid; gap:28px; }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-2{ grid-template-columns:repeat(2,1fr); }
@media (max-width: 860px){
  .grid-3, .grid-2{ grid-template-columns:1fr; }
}

.card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  padding:28px;
}

.icon-badge{
  width:52px; height:52px;
  display:flex; align-items:center; justify-content:center;
  background:var(--navy-tint);
  border-radius:var(--radius-s);
  margin-bottom:1rem;
}
.icon-badge img{ width:26px; height:26px; }

/* Service link list */
.service-group{ margin-bottom:2.25rem; }
.service-group h3{
  font-size:.85rem;
  text-transform:none;
  color:var(--brass-dark);
  font-family:var(--font-body);
  font-weight:700;
  margin-bottom:1rem;
  letter-spacing:.02em;
}
.service-list{ display:grid; grid-template-columns:repeat(auto-fill,minmax(240px,1fr)); gap:14px; }
.service-list li{
  border:1px solid var(--line);
  background:var(--white);
  border-radius:var(--radius-s);
  padding:16px 18px;
  transition:border-color .15s ease, transform .15s ease;
}
.service-list li:hover{ border-color:var(--brass); transform:translateY(-2px); }
.service-list a{ display:block; }
.service-list .s-title{ font-weight:600; color:var(--navy-deep); margin-bottom:.25rem; }
.service-list .s-desc{ font-size:.88rem; color:var(--ink-soft); }

/* ---------- Journey steps ---------- */
.journey{
  display:grid;
  grid-template-columns:repeat(6,1fr);
  gap:18px;
  counter-reset:step;
}
.journey .step{
  border-top:3px solid var(--brass);
  padding-top:14px;
}
.journey .step .num{
  font-family:var(--font-display);
  font-size:1.6rem;
  color:var(--brass-dark);
  display:block;
  margin-bottom:.35rem;
}
.journey .step h4{ font-size:1rem; margin-bottom:.3rem; color:var(--navy-deep); }
.journey .step p{ font-size:.87rem; }
@media (max-width: 960px){
  .journey{ grid-template-columns:repeat(2,1fr); }
}
@media (max-width: 560px){
  .journey{ grid-template-columns:1fr; }
}

/* ---------- Testimonials ---------- */
.testimonial{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  padding:26px;
  height:100%;
}
.testimonial .stars{ color:var(--brass); letter-spacing:2px; margin-bottom:.75rem; }
.testimonial blockquote{
  margin:0 0 1rem;
  font-family:var(--font-display);
  font-size:1.05rem;
  color:var(--navy-deep);
  font-weight:500;
}
.testimonial cite{ font-style:normal; font-size:.85rem; color:var(--ink-soft); }

/* ---------- CTA band ---------- */
.cta-band{
  background:var(--navy-deep);
  color:var(--white);
  border-radius:var(--radius-m);
  padding:48px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  flex-wrap:wrap;
  background-image:radial-gradient(circle at 85% 20%, rgba(185,135,59,.18), transparent 55%);
}
.cta-band h2{ color:var(--white); margin-bottom:.4rem; }
.cta-band p{ color:#C6D3E2; margin:0; }
.cta-band .cta-actions{ display:flex; gap:14px; flex-wrap:wrap; }

/* ---------- Footer ---------- */
.site-footer{
  background:#0A2138;
  color:#AEC0D3;
  padding:64px 0 24px;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr;
  gap:32px;
  padding-bottom:36px;
  border-bottom:1px solid rgba(255,255,255,.12);
}
.footer-grid p{font-size: .92rem;color: #AEC0D3;line-height: 2;}
.footer-brand{ display:flex; align-items:center; gap:12px; margin-bottom:1rem; }
.footer-brand .logo-chip{
  background:var(--white);
  border-radius:10px;
  padding:8px 12px;
  display:inline-flex;
  align-items:center;
  line-height:0;
}
.footer-brand img{ height:32px; width:auto; }
.site-footer h4{
  color:var(--white);
  font-family:var(--font-body);
  font-size:.85rem;
  font-weight:700;
  margin-bottom:1rem;
}
.site-footer ul li{ margin-bottom:.6rem; font-size:.92rem; }
.site-footer a:hover{ color:var(--white); }
.footer-bottom{
  padding-top:22px;
  font-size:.8rem;
  color:#7E93A8;
  display:flex;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:10px;
}
@media (max-width: 860px){
  .footer-grid{ grid-template-columns:1fr 1fr; }
}
@media (max-width: 560px){
  .footer-grid{ grid-template-columns:1fr; }
}

/* ---------- Page header (interior pages) ---------- */
.page-header{
  background:var(--navy-deep);
  color:var(--white);
  padding:56px 0;
}
.page-header p{ color:#C6D3E2; max-width:60ch; }
.breadcrumb{ font-size:.85rem; color:#9EB3C7; margin-bottom:.75rem; }
.breadcrumb a:hover{ color:var(--white); }

/* ---------- Tables ---------- */
table.rate-table{
  width:100%;
  border-collapse:collapse;
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  overflow:hidden;
}
table.rate-table th, table.rate-table td{
  padding:16px 20px;
  text-align:left;
  border-bottom:1px solid var(--line);
}
table.rate-table th{
  background:var(--navy-deep);
  color:var(--white);
  font-family:var(--font-display);
  font-weight:500;
}
table.rate-table td.rate-num{ font-family:var(--font-display); font-size:1.15rem; color:var(--navy-deep); font-weight:600; }
table.rate-table tr:last-child td{ border-bottom:none; }

/* ---------- Forms ---------- */
.form-field{ margin-bottom:1.1rem; }
.form-field label{ display:block; font-size:.88rem; font-weight:600; color:var(--navy-deep); margin-bottom:.4rem; }
.form-field input, .form-field select, .form-field textarea{
  width:100%;
  padding:.75rem .9rem;
  border:1px solid var(--line);
  border-radius:var(--radius-s);
  font-family:var(--font-body);
  font-size:.95rem;
  background:var(--white);
  color:var(--ink);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus{
  border-color:var(--brass);
  outline:none;
  box-shadow:0 0 0 3px rgba(185,135,59,.18);
}
.form-note{ font-size:.82rem; color:var(--ink-soft); margin-top:.4rem; }
.form-success{
  display:none;
  background:#EAF3EF;
  border:1px solid #BFDBCF;
  color:var(--success);
  padding:14px 18px;
  border-radius:var(--radius-s);
  margin-top:1rem;
  font-size:.92rem;
}

/* ---------- Calculator widget ---------- */
.calc-card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  padding:30px;
}
.calc-grid{ display:grid; grid-template-columns:1.1fr .9fr; gap:36px; }
@media (max-width: 860px){ .calc-grid{ grid-template-columns:1fr; } }
.calc-result{
  background:var(--navy-deep);
  color:var(--white);
  border-radius:var(--radius-m);
  padding:28px;
}
.calc-result .figure{
  font-family:var(--font-display);
  font-size:2.4rem;
  font-weight:600;
  color:var(--white);
}
.calc-result .figure-label{ font-size:.85rem; color:#AEC0D3; margin-bottom:.3rem; }
.calc-result .breakdown{ margin-top:1.25rem; border-top:1px solid rgba(255,255,255,.18); padding-top:1rem; }
.calc-result .breakdown div{ display:flex; justify-content:space-between; font-size:.9rem; padding:.35rem 0; color:#C6D3E2; }
.range-value{ font-weight:600; color:var(--brass-dark); }

/* ---------- Bootstrap accordion theming ---------- */
.accordion-item{ border-color:var(--line); }
.accordion-button{
  font-family:var(--font-display);
  font-size:1.05rem;
  color:var(--navy-deep);
  background:var(--white);
}
.accordion-button:not(.collapsed){
  background:var(--navy-tint);
  color:var(--navy-deep);
  box-shadow:none;
}
.accordion-button:focus{ box-shadow:0 0 0 3px rgba(185,135,59,.2); border-color:var(--brass); }
.accordion-button::after{ filter:sepia(1) saturate(3) hue-rotate(-10deg); }


.accordion-item{ border-bottom:1px solid var(--line); }
.accordion-trigger{
  width:100%;
  text-align:left;
  background:none;
  border:none;
  padding:18px 0;
  font-family:var(--font-display);
  font-size:1.08rem;
  color:var(--navy-deep);
  display:flex;
  justify-content:space-between;
  align-items:center;
  cursor:pointer;
}
.accordion-trigger .plus{ font-size:1.4rem; color:var(--brass); transition:transform .2s ease; }
.accordion-trigger[aria-expanded="true"] .plus{ transform:rotate(45deg); }
.accordion-panel{ display:none; padding-bottom:18px; color:var(--ink-soft); }
.accordion-panel.open{ display:block; }

/* ---------- Blog ---------- */
.post-card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  overflow:hidden;
  display:flex;
  flex-direction:column;
}
.post-card img{ height:170px; object-fit:cover; width:100%; }
.post-card .post-body{ padding:22px; }
.post-card .post-meta{ font-size:.78rem; color:var(--brass-dark); font-weight:600; margin-bottom:.5rem; }
.post-card h3{ font-size:1.15rem; margin-bottom:.5rem; }
.post-card .read-more{ margin-top:auto; padding:0 22px 22px; font-weight:600; color:var(--navy-deep); }

/* ---------- Reviews summary ---------- */
.review-summary{
  display:flex;
  align-items:center;
  gap:20px;
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  padding:24px 28px;
  margin-bottom:2.5rem;
}
.review-summary .score{ font-family:var(--font-display); font-size:2.6rem; color:var(--navy-deep); font-weight:600; }
.review-summary .stars{ color:var(--brass); font-size:1.2rem; letter-spacing:2px; }

/* ---------- Team ---------- */
.team-card{
  display:grid;
  grid-template-columns:180px 1fr;
  gap:26px;
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--radius-m);
  padding:26px;
  margin-bottom:24px;
}
.team-card img{ border-radius:var(--radius-m); }
@media (max-width: 640px){
  .team-card{ grid-template-columns:1fr; }
  .team-card img{ width:120px; }
}

/* ---------- Utility ---------- */
.text-center{ text-align:center; }
.mt-0{ margin-top:0; }
.small{ font-size:.85rem; color:var(--ink-soft); }
.badge{
  display:inline-block;
  background:var(--navy-tint);
  color:var(--navy-deep);
  border-radius:100px;
  padding:.3rem .85rem;
  font-size:.78rem;
  font-weight:600;
  margin-bottom:1rem;
}