/* ============================================
   Manuel Acosta | NEXA Mortgage — Site Styles
   Professional & trustworthy: navy + gold accent
   ============================================ */

:root {
  --navy-900: #0b2340;
  --navy-800: #0f2e52;
  --navy-700: #163b68;
  --navy-600: #1f4d85;
  --gold-500: #c89b3c;
  --gold-600: #b3872b;
  --ink: #1c2430;
  --slate: #4a5568;
  --slate-light: #718096;
  --bg: #ffffff;
  --bg-alt: #f6f8fb;
  --bg-navy-alt: #0e2a4c;
  --border: #e2e8f0;
  --success: #1f8a5f;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 3px rgba(11, 35, 64, 0.08), 0 1px 2px rgba(11, 35, 64, 0.06);
  --shadow-md: 0 4px 16px rgba(11, 35, 64, 0.10), 0 2px 6px rgba(11, 35, 64, 0.06);
  --shadow-lg: 0 12px 32px rgba(11, 35, 64, 0.14);
  --max-width: 1180px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

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

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

img { max-width: 100%; display: block; }

a { color: var(--navy-700); text-decoration: none; }
a:hover { color: var(--gold-600); }

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

h1, h2, h3, h4 {
  font-family: var(--font);
  color: var(--navy-900);
  line-height: 1.2;
  margin: 0 0 16px;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.1rem, 4vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 750; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 16px; color: var(--slate); }

.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold-600);
  margin-bottom: 12px;
}

.lead { font-size: 1.15rem; color: var(--slate); }

.section { padding: 72px 0; }
.section-alt { background: var(--bg-alt); }
.section-tight { padding: 48px 0; }

.text-center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.98rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }

.btn-primary {
  background: var(--gold-500);
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover { background: var(--gold-600); color: var(--navy-900); box-shadow: var(--shadow-md); }

.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.55);
  color: #fff;
}
.btn-outline:hover { background: rgba(255,255,255,0.12); color: #fff; }

.btn-navy {
  background: var(--navy-800);
  color: #fff;
}
.btn-navy:hover { background: var(--navy-900); color: #fff; }

.btn-block { width: 100%; }
.btn-sm { padding: 10px 18px; font-size: 0.88rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #fff;
  border-bottom: 1px solid var(--border);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  max-width: 1300px;
  margin: 0 auto;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.brand img { height: 40px; width: auto; }
.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}
.brand-text strong { font-size: 1rem; color: var(--navy-900); }
.brand-text span { font-size: 0.72rem; color: var(--slate-light); letter-spacing: 0.03em; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  color: var(--navy-800);
  font-weight: 600;
  font-size: 0.88rem;
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--navy-900);
  border-bottom-color: var(--gold-500);
}
.nav-cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.nav-phone {
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.94rem;
  white-space: nowrap;
}
.lang-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 34px;
  padding: 0 14px;
  border-radius: 8px;
  border: 1.5px solid var(--border);
  color: var(--navy-800);
  font-weight: 700;
  font-size: 0.84rem;
  white-space: nowrap;
  letter-spacing: 0.01em;
  flex-shrink: 0;
  transition: all 0.15s ease;
}
.lang-toggle:hover {
  border-color: var(--gold-500);
  color: var(--navy-900);
  background: rgba(200,155,60,0.08);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy-900);
  margin: 5px 0;
  transition: 0.2s;
}

@media (max-width: 1320px) {
  .nav-links {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    align-items: flex-start;
    padding: 16px 24px 24px;
    gap: 16px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    display: none;
  }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
  .nav-phone { display: none; }
}

@media (max-width: 480px) {
  .brand-text span { display: none; }
  .nav-cta .btn-primary.btn-sm { display: none; }
  .brand img { height: 32px; }
  .btn { white-space: normal; text-align: center; }
}

@media (max-width: 340px) {
  .nav-wrap { gap: 8px; padding-left: 12px; padding-right: 12px; }
  .lang-toggle { padding: 0 10px; font-size: 0.78rem; }
  .brand-text strong { font-size: 0.88rem; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700) 65%, var(--navy-600));
  color: #fff;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 20%, rgba(200,155,60,0.18), transparent 45%);
  pointer-events: none;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
  padding: 80px 24px;
  position: relative;
}
.hero h1 { color: #fff; }
.hero .lead { color: rgba(255,255,255,0.85); font-size: 1.15rem; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }
.hero-badges {
  display: flex;
  gap: 22px;
  margin-top: 36px;
  flex-wrap: wrap;
}
.hero-badge {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.hero-badge strong { color: #fff; font-size: 1rem; }
.hero-badge span { color: rgba(255,255,255,0.65); font-size: 0.82rem; }

.hero-photo {
  display: flex;
  justify-content: center;
}
.hero-photo-frame {
  width: 100%;
  max-width: 340px;
  aspect-ratio: 1 / 1;
  border-radius: 50%;
  overflow: hidden;
  border: 6px solid var(--gold-500);
  box-shadow: var(--shadow-lg);
}
.hero-photo-frame img { width: 100%; height: 100%; object-fit: cover; }

@media (max-width: 860px) {
  .hero .container { grid-template-columns: 1fr; padding: 56px 24px; text-align: center; }
  .hero-actions, .hero-badges { justify-content: center; }
  .hero-photo { order: -1; }
  .hero-photo-frame { max-width: 220px; }
}

/* ---------- Page header (non-home hero) ---------- */
.page-header {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: #fff;
  padding: 56px 0 48px;
}
.page-header h1 { color: #fff; margin-bottom: 8px; }
.page-header p { color: rgba(255,255,255,0.8); max-width: 640px; margin: 0; }
.breadcrumb { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-bottom: 14px; }
.breadcrumb a { color: rgba(255,255,255,0.8); }

/* ---------- Grid / Cards ---------- */
.grid {
  display: grid;
  gap: 24px;
}
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
  display: flex;
  flex-direction: column;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy-700);
  transition: gap 0.15s ease, color 0.15s ease;
}
.card-link:hover { color: var(--gold-600); gap: 10px; }

/* ---------- Filter tabs (Loan Programs) ---------- */
.filter-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 36px;
}
.filter-tab {
  background: #fff;
  border: 1.5px solid var(--border);
  color: var(--navy-800);
  font-weight: 700;
  font-size: 0.86rem;
  padding: 10px 20px;
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.15s ease;
}
.filter-tab:hover { border-color: var(--gold-500); color: var(--navy-900); }
.filter-tab.active {
  background: var(--navy-900);
  border-color: var(--navy-900);
  color: #fff;
}
.filter-count {
  opacity: 0.65;
  font-weight: 600;
  margin-left: 4px;
}
.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(200,155,60,0.14);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 16px;
  color: var(--gold-600);
}
.card h3 { margin-bottom: 8px; }
.card p { margin-bottom: 0; font-size: 0.96rem; }
.card ul { margin: 12px 0 0; padding-left: 18px; color: var(--slate); font-size: 0.92rem; }
.card ul li { margin-bottom: 4px; }

/* ---------- Steps (process) ---------- */
.steps { list-style: none; margin: 0; padding: 0; counter-reset: step; }
.step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 20px;
  padding: 28px 0;
  border-bottom: 1px solid var(--border);
}
.step:last-child { border-bottom: none; }
.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy-900);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
}
.step h3 { margin-bottom: 6px; }
.step p { margin-bottom: 0; }

/* ---------- Forms ---------- */
.form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 620px) { .form-row { grid-template-columns: 1fr; } }

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy-900);
  margin-bottom: 6px;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.96rem;
  font-family: var(--font);
  color: var(--ink);
  background: #fbfcfe;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--navy-600);
  box-shadow: 0 0 0 3px rgba(31, 77, 133, 0.14);
  background: #fff;
}
.field textarea { resize: vertical; min-height: 110px; }
.field-hint { font-size: 0.78rem; color: var(--slate-light); margin-top: 4px; }

.form-note {
  background: var(--bg-alt);
  border: 1px dashed var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  font-size: 0.85rem;
  color: var(--slate);
  margin-top: 18px;
}

/* ---------- Calculator ---------- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
@media (max-width: 860px) { .calc-wrap { grid-template-columns: 1fr; } }

.calc-result {
  background: var(--navy-900);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 32px;
  position: sticky;
  top: 100px;
}
.calc-result .amount {
  font-size: 2.6rem;
  font-weight: 800;
  color: #fff;
  margin: 4px 0 4px;
}
.calc-result .amount span { font-size: 1.1rem; font-weight: 500; color: rgba(255,255,255,0.7); }
.calc-breakdown { margin-top: 24px; border-top: 1px solid rgba(255,255,255,0.15); padding-top: 20px; }
.calc-line {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  font-size: 0.92rem;
  color: rgba(255,255,255,0.85);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.calc-line strong { color: #fff; }
.range-value { color: var(--gold-500); font-weight: 700; }

/* ---------- Testimonials / Reviews ---------- */
.stars { color: var(--gold-500); font-size: 1.1rem; letter-spacing: 2px; margin-bottom: 10px; }
.testimonial-quote { font-style: italic; color: var(--ink); font-size: 1.02rem; }
.testimonial-author { display: flex; align-items: center; gap: 12px; margin-top: 18px; }
.testimonial-author .avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy-700); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem;
}
.testimonial-author strong { display: block; font-size: 0.9rem; color: var(--navy-900); }
.testimonial-author span { font-size: 0.78rem; color: var(--slate-light); }

.google-banner {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.google-banner-left { display: flex; align-items: center; gap: 18px; }
.google-g {
  width: 52px; height: 52px; border-radius: 50%;
  background: #fff; box-shadow: var(--shadow-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; font-weight: 800;
}
.google-rating { display: flex; align-items: baseline; gap: 8px; }
.google-rating .num { font-size: 1.6rem; font-weight: 800; color: var(--navy-900); }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy-900), var(--navy-700));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 48px;
  text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,0.8); }
.cta-band .hero-actions { justify-content: center; }

/* ---------- Trust strip ---------- */
.trust-strip {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  padding: 28px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.trust-strip div { text-align: center; }
.trust-strip strong { display: block; font-size: 1.6rem; color: var(--navy-900); }
.trust-strip span { font-size: 0.82rem; color: var(--slate-light); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.75);
  padding: 56px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 36px;
}
@media (max-width: 700px) { .footer-grid { grid-template-columns: 1fr; gap: 28px; } }
.footer-brand img {
  height: 34px;
  margin-bottom: 14px;
  filter: brightness(0) invert(1);
}
.footer-brand p { color: rgba(255,255,255,0.6); font-size: 0.88rem; }
.site-footer h4 { color: #fff; font-size: 0.95rem; margin-bottom: 14px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer ul li { margin-bottom: 10px; }
.site-footer a { color: rgba(255,255,255,0.72); font-size: 0.9rem; }
.site-footer a:hover { color: var(--gold-500); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 24px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
}
.footer-bottom p { color: rgba(255,255,255,0.5); margin-bottom: 8px; }
.equal-housing {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  color: rgba(255,255,255,0.55);
  font-size: 0.78rem;
}
.equal-housing .eh-icon {
  width: 24px; height: 24px;
  border: 1.5px solid rgba(255,255,255,0.5);
  border-radius: 3px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem;
  flex-shrink: 0;
}

/* ---------- Misc utility ---------- */
.tag-row { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 8px; }
.tag {
  background: rgba(200,155,60,0.12);
  color: var(--gold-600);
  border-radius: 999px;
  padding: 6px 14px;
  font-size: 0.8rem;
  font-weight: 700;
}
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }
.rounded-photo { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); border: 4px solid var(--gold-500); }

.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--navy-900); color: #fff; padding: 10px 16px; z-index: 200;
}
.skip-link:focus { left: 12px; top: 12px; }