/* Modern Mortgage Solutions - shared styles for the guide, service and area pages (mobile first). */
@font-face{font-family:'Cormorant Garamond';font-style:normal;font-weight:300 700;font-display:swap;src:url(/assets/fonts/cormorant-garamond-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Cormorant Garamond';font-style:italic;font-weight:300 700;font-display:swap;src:url(/assets/fonts/cormorant-garamond-italic-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:'Jost';font-style:normal;font-weight:100 900;font-display:swap;src:url(/assets/fonts/jost-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0b1423;--navy-mid:#132035;--navy-light:#1a2d4a;--gold:#c9a84c;--gold-light:#e2c47a;--cream:#f5f0e8;--cream-dark:#e8e0d0;--white:#fff;--text-muted:#8a9ab5;--muted-strong:#a9b6cb;--font-display:'Cormorant Garamond',Georgia,serif;--font-body:'Jost',system-ui,sans-serif}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{background:var(--navy);color:var(--cream);font-family:var(--font-body);font-weight:300;font-size:1.0625rem;line-height:1.75;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--gold-light)}
a:focus-visible,button:focus-visible{outline:2px solid var(--gold-light);outline-offset:3px}
.skip-link{position:absolute;left:12px;top:-60px;z-index:3000;background:var(--gold);color:var(--navy);padding:10px 16px;border-radius:999px;text-decoration:none;font-size:.85rem}
.skip-link:focus{top:12px}

/* header */
.site-nav{position:sticky;top:0;z-index:1000;display:flex;align-items:center;gap:16px;padding:12px 16px;min-height:72px;background:rgba(11,20,35,.92);border-bottom:1px solid rgba(201,168,76,.15);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
.site-nav .nav-logo{display:block;flex:0 1 auto;min-width:0}
.site-nav .nav-logo img{height:44px;width:auto;max-width:min(220px,calc(100vw - 170px));object-fit:contain;filter:drop-shadow(0 0 10px rgba(201,168,76,.18))}
.site-nav .nav-links{display:none;list-style:none;gap:clamp(14px,1.6vw,28px);margin:0 auto}
.site-nav .nav-links a{display:inline-flex;align-items:center;min-height:44px;font-size:.92rem;letter-spacing:.12em;text-transform:uppercase;color:var(--cream-dark);text-decoration:none;white-space:nowrap}
.site-nav .nav-links a:hover,.site-nav .nav-links a[aria-current]{color:var(--gold)}
.nav-phone{display:inline-flex;align-items:center;gap:6px;margin-left:auto;padding:8px 11px;border:1px solid rgba(201,168,76,.5);border-radius:999px;background:rgba(11,20,35,.35);color:var(--gold-light);font-size:.68rem;letter-spacing:.04em;text-decoration:none;white-space:nowrap;flex-shrink:0;transition:background .3s,color .3s}
.nav-phone svg{width:12px;height:12px}
.nav-phone:hover{background:var(--gold);color:var(--navy)}
@media (min-width:1024px){
  .site-nav{padding:14px clamp(24px,3vw,48px);min-height:88px}
  .site-nav .nav-logo img{height:64px;max-width:360px}
  .site-nav .nav-links{display:flex}
  .site-nav .nav-links + .nav-phone{margin-left:0}
  .nav-phone{padding:9px 16px;gap:8px;font-size:.8rem;letter-spacing:.1em}
  .nav-phone svg{width:14px;height:14px}
}

/* page hero */
.page-hero{position:relative;padding:44px 20px 40px;background:radial-gradient(120% 90% at 85% 0%,rgba(201,168,76,.13),transparent 55%),linear-gradient(180deg,var(--navy-mid),var(--navy));border-bottom:1px solid rgba(201,168,76,.12)}
.page-hero-inner{max-width:1100px;margin:0 auto}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px 8px;font-size:.78rem;letter-spacing:.06em;color:var(--muted-strong);margin-bottom:22px}
.breadcrumb li+li::before{content:'/';margin-right:8px;color:rgba(201,168,76,.6)}
.breadcrumb a{color:var(--muted-strong);text-decoration:none}
.breadcrumb a:hover{color:var(--gold-light)}
.section-label{font-size:.7rem;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:flex;align-items:center;gap:14px}
.section-label::before{content:'';width:34px;height:1px;background:var(--gold)}
.page-hero h1{font-family:var(--font-display);font-weight:300;font-size:clamp(2.3rem,7vw,4.2rem);line-height:1.1;color:var(--white);margin-bottom:18px;max-width:20ch}
.page-hero h1 em,.prose h2 em,.cta-band h2 em{font-style:italic;color:var(--gold)}
.lead{font-size:1.12rem;line-height:1.8;color:var(--cream-dark);max-width:62ch}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:12px 22px;border-radius:999px;font-family:var(--font-body);font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;transition:all .3s;touch-action:manipulation}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 0 16px rgba(201,168,76,.3)}
.btn-gold:hover{box-shadow:0 0 28px rgba(201,168,76,.6)}
.btn-wa{background:#25D366;color:#0b1423;box-shadow:0 0 14px rgba(37,211,102,.25)}
.btn-wa:hover{background:#1ea855}
.btn-outline{border:1px solid rgba(201,168,76,.5);color:var(--gold-light)}
.btn-outline:hover{background:rgba(201,168,76,.1)}
.btn svg{width:16px;height:16px}

/* body layout */
.page-body{max-width:1100px;margin:0 auto;padding:40px 20px 24px;display:grid;gap:36px}
@media (min-width:1024px){.page-body{grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding:64px 28px 40px}.page-hero{padding:64px 28px 56px}}
.prose{max-width:70ch}
.prose h2{font-family:var(--font-display);font-weight:400;font-size:clamp(1.75rem,4.6vw,2.4rem);line-height:1.2;color:var(--white);margin:44px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--font-body);font-weight:500;font-size:1.02rem;letter-spacing:.04em;color:var(--gold-light);margin:26px 0 8px}
.prose p{margin-bottom:16px;color:var(--cream-dark)}
.prose ul,.prose ol{margin:0 0 18px 1.2em;color:var(--cream-dark)}
.prose li{margin-bottom:8px;padding-left:4px}
.prose li::marker{color:var(--gold)}
.prose a{color:var(--gold-light);text-underline-offset:3px}
.prose strong{font-weight:500;color:var(--white)}
.note{border-left:2px solid var(--gold);background:rgba(201,168,76,.07);padding:14px 18px;margin:20px 0;border-radius:0 10px 10px 0;color:var(--cream-dark);font-size:.98rem}
.note strong{color:var(--gold-light);font-weight:400}
.checklist{list-style:none !important;margin-left:0 !important}
.checklist li{position:relative;padding-left:32px !important;margin-bottom:10px}
.checklist li::before{content:'';position:absolute;left:2px;top:.42em;width:16px;height:16px;border:1.5px solid var(--gold);border-radius:4px}
.steps{list-style:none !important;margin-left:0 !important;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding-left:52px !important;margin-bottom:18px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border:1px solid rgba(201,168,76,.5);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:1.15rem;color:var(--gold)}
.steps li strong{display:block;margin-bottom:2px}
.tag-list{display:flex;flex-wrap:wrap;gap:8px;list-style:none !important;margin:6px 0 18px !important}
.tag-list li{padding:6px 12px !important;margin:0 !important;border:1px solid rgba(201,168,76,.28);border-radius:999px;font-size:.9rem;color:var(--cream)}
.faq details{border-bottom:1px solid rgba(201,168,76,.15);padding:4px 0}
.faq summary{cursor:pointer;list-style:none;padding:14px 32px 14px 0;position:relative;font-weight:400;color:var(--white)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';position:absolute;right:4px;top:10px;font-size:1.3rem;color:var(--gold)}
.faq details[open] summary::after{content:'\2212'}
.faq details p{padding:0 0 14px}

/* sidebar */
.aside-card{position:sticky;top:110px;background:var(--navy-mid);border:1px solid rgba(201,168,76,.2);border-radius:16px;padding:24px}
.aside-card h2{font-family:var(--font-display);font-weight:400;font-size:1.6rem;color:var(--white);line-height:1.2;margin-bottom:8px}
.aside-card p{font-size:.95rem;color:var(--cream-dark);margin-bottom:16px}
.aside-card .btn{width:100%;margin-bottom:10px}
.aside-card .hours{font-size:.85rem;color:var(--muted-strong);margin-top:6px}
.aside-links{margin-top:22px;padding-top:18px;border-top:1px solid rgba(201,168,76,.15)}
.aside-links p{font-size:.7rem;letter-spacing:.25em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.aside-links ul{list-style:none}
.aside-links li{margin-bottom:8px}
.aside-links a{font-size:.95rem;color:var(--cream-dark);text-decoration:none}
.aside-links a:hover{color:var(--gold-light)}
@media (max-width:1023px){.aside-card{position:static}}

/* cards + bands */
.related{max-width:1100px;margin:0 auto;padding:16px 20px 56px}
.related h2{font-family:var(--font-display);font-weight:400;font-size:clamp(1.7rem,4.4vw,2.3rem);color:var(--white);margin-bottom:20px}
.card-grid{display:grid;gap:14px;grid-template-columns:1fr}
@media (min-width:640px){.card-grid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1024px){.card-grid{grid-template-columns:repeat(3,1fr)}.related{padding:16px 28px 72px}}
.card{display:block;padding:22px;border:1px solid rgba(201,168,76,.18);border-radius:14px;background:rgba(255,255,255,.025);text-decoration:none;transition:border-color .3s,box-shadow .3s,transform .3s}
.card:hover{border-color:rgba(201,168,76,.55);box-shadow:0 0 22px rgba(201,168,76,.15);transform:translateY(-2px)}
.card strong{display:block;font-family:var(--font-display);font-weight:400;font-size:1.4rem;color:var(--white);margin-bottom:6px}
.card span{font-size:.93rem;color:var(--cream-dark)}
.cta-band{background:var(--navy-mid);border-top:1px solid rgba(201,168,76,.12);border-bottom:1px solid rgba(201,168,76,.12);padding:48px 20px;text-align:center}
.cta-band h2{font-family:var(--font-display);font-weight:300;font-size:clamp(2rem,5.6vw,3rem);color:var(--white);line-height:1.15;margin-bottom:12px}
.cta-band p{color:var(--cream-dark);max-width:58ch;margin:0 auto}
.cta-band .hero-ctas{justify-content:center}

/* compliance + footer (matches the homepage) */
.disclaimer{background:rgba(201,168,76,.07);border-top:1px solid rgba(201,168,76,.18);padding:16px 20px;text-align:center;font-size:.95rem;color:var(--muted-strong);line-height:1.8}
.disclaimer strong{font-weight:300;color:var(--gold-light)}
.fee-warning{display:inline-block;margin-top:4px;font-weight:300;color:var(--gold-light)}
.btl-note{display:block;margin-top:4px;color:var(--cream-dark)}
footer{background:#070e1a;padding:40px 20px calc(96px + env(safe-area-inset-bottom));border-top:1px solid rgba(201,168,76,.15)}
@media (min-width:1024px){footer{padding:60px}.disclaimer{padding:16px 60px;font-size:1.05rem}}
.footer-inner{display:grid;grid-template-columns:1fr;gap:32px;margin-bottom:32px;max-width:1400px}
@media (min-width:900px){.footer-inner{grid-template-columns:2fr 1fr 1fr;gap:60px;margin-bottom:48px}}
.footer-logo{height:auto;width:349px;max-width:100%;margin-bottom:12px}
.footer-inner>*,.footer-extra>*,.footer-bottom>*{min-width:0}
.footer-slogan{font-family:var(--font-display);font-style:italic;font-size:.95rem;color:rgba(201,168,76,.72);margin-bottom:20px}
.footer-tagline{font-size:.82rem;color:var(--text-muted);line-height:1.8;margin-bottom:24px}
.footer-legal,.footer-office{font-size:.9rem;color:rgba(138,154,181,.82);line-height:1.9}
.footer-office{margin-top:14px}
.footer-col-title{font-size:.65rem;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.footer-links{list-style:none}
.footer-links li{margin-bottom:10px}
.footer-links a{font-size:.83rem;color:var(--text-muted);text-decoration:none;transition:color .3s;display:inline-block;padding:2px 0}
.footer-links a:hover{color:var(--gold)}
.footer-extra{display:grid;grid-template-columns:1fr;gap:24px;padding:28px 0;margin-bottom:8px;border-top:1px solid rgba(201,168,76,.1)}
@media (min-width:769px){.footer-extra{grid-template-columns:1fr 1fr;gap:40px}}
.footer-inline{display:flex;flex-wrap:wrap;gap:4px 22px}
.footer-inline li{margin-bottom:6px}
.footer-title-link{color:inherit;text-decoration:none}
.footer-bottom{padding-top:28px;border-top:1px solid rgba(201,168,76,.1);display:grid;gap:12px;text-align:center}
@media (min-width:900px){.footer-bottom{grid-template-columns:1fr auto 1fr;align-items:center;gap:20px}.footer-copy{grid-column:2}.footer-regulated{grid-column:3;justify-self:end}}
.footer-copy{font-size:.72rem;color:rgba(138,154,181,.82)}
.footer-regulated{font-size:.68rem;color:rgba(138,154,181,.82)}

/* mobile call bar */
.mobile-cta-bar{position:fixed;left:0;right:0;bottom:0;z-index:950;display:flex;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(11,20,35,.95);border-top:1px solid rgba(201,168,76,.25);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);transition:transform .3s ease,opacity .3s ease}
.mobile-cta-bar a{flex:1;display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;border-radius:999px;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;text-decoration:none}
.mobile-cta-bar .mcb-call{background:var(--gold);color:var(--navy)}
.mobile-cta-bar .mcb-wa{background:#25D366;color:#0b1423}
.mobile-cta-bar.mcb-hidden{transform:translateY(110%);opacity:0;pointer-events:none}
@media (max-width:360px){.mobile-cta-bar a{font-size:.64rem;letter-spacing:.08em}}
@media (min-width:1024px){.mobile-cta-bar{display:none}}

/* chat (same look as the homepage) */
.chat-bubble{position:fixed;bottom:24px;left:24px;z-index:1100;width:68px;height:68px;background:var(--gold);border-radius:50%;display:none;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 0 20px rgba(201,168,76,.45);transition:transform .3s,box-shadow .3s;border:none}
.chat-bubble:hover{transform:scale(1.08);box-shadow:0 0 36px rgba(201,168,76,.65)}
.chat-bubble svg{width:32px;height:32px}
.chat-badge{position:absolute;top:-4px;right:-4px;width:18px;height:18px;background:#ef4444;border-radius:50%;font-size:.6rem;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600}
.chat-badge::before{content:attr(data-badge)}
.chat-window{position:fixed;bottom:100px;left:36px;z-index:1101;width:360px;height:480px;max-width:calc(100vw - 24px);max-height:80vh;background:var(--navy-mid);border:1px solid rgba(201,168,76,.2);border-radius:16px;display:none;flex-direction:column;box-shadow:0 20px 60px rgba(0,0,0,.5),0 0 30px rgba(201,168,76,.1);opacity:0;transform:translateY(20px) scale(.95);pointer-events:none;transition:opacity .3s ease,transform .3s ease,visibility .3s;overflow:hidden}
@media (min-width:1024px){.chat-bubble{display:flex}.chat-window{display:flex}}
.chat-window{visibility:hidden}.chat-window.open{opacity:1;transform:translateY(0) scale(1);pointer-events:all;visibility:visible}
.chat-header{padding:18px 20px;border-bottom:1px solid rgba(201,168,76,.15);display:flex;align-items:center;gap:12px;background:var(--navy-light)}
.chat-avatar{width:38px;height:38px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:1rem;color:var(--navy);font-weight:600;flex-shrink:0}
.chat-header-info{flex:1}
.chat-header-name{font-size:.82rem;font-weight:500;color:var(--white);letter-spacing:.04em}
.chat-header-status{font-size:.68rem;color:var(--text-muted);margin-top:2px}
.chat-close{width:34px;height:34px;border-radius:50%;border:1px solid rgba(201,168,76,.2);background:transparent;color:var(--white);font-size:1.15rem;cursor:pointer}
.chat-messages{flex:1;overflow-y:auto;padding:18px;display:flex;flex-direction:column;gap:14px}
.msg{display:flex;flex-direction:column;gap:6px}
.msg.user{align-items:flex-end}
.msg-bubble{max-width:88%;padding:12px 14px;border-radius:16px;font-size:.92rem;line-height:1.6}
.msg.bot .msg-bubble{background:rgba(255,255,255,.06);color:var(--cream);border:1px solid rgba(201,168,76,.12)}
.msg.user .msg-bubble{background:var(--gold);color:var(--navy)}
.msg-time{font-size:.62rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em}
.msg-links{display:flex;flex-wrap:wrap;gap:6px 14px;margin-top:10px}
.msg-links a{color:var(--gold-light);font-size:.8rem;text-decoration:underline;text-underline-offset:3px}
.chat-thinking{display:inline-flex;align-items:center;gap:10px}
.chat-thinking-label{font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--text-muted)}
.chat-thinking-dots{display:inline-flex;gap:6px;align-items:center}
.chat-thinking-dots span{width:6px;height:6px;border-radius:50%;background:var(--gold);opacity:.35;animation:chatThinking 1.1s infinite ease-in-out}
.chat-thinking-dots span:nth-child(2){animation-delay:.15s}
.chat-thinking-dots span:nth-child(3){animation-delay:.3s}
@keyframes chatThinking{0%,80%,100%{transform:translateY(0);opacity:.35}40%{transform:translateY(-3px);opacity:1}}
.chat-suggestions{padding:0 18px 14px;display:flex;gap:8px;flex-wrap:wrap}
.chat-suggestion{border:1px solid rgba(201,168,76,.18);background:rgba(255,255,255,.03);color:var(--cream);border-radius:999px;padding:9px 12px;font-size:.68rem;cursor:pointer;font-family:var(--font-body)}
.chat-input-wrap{border-top:1px solid rgba(201,168,76,.15);padding:14px;display:flex;gap:10px}
.chat-input{flex:1;background:rgba(255,255,255,.04);color:var(--white);border:1px solid rgba(201,168,76,.12);border-radius:999px;padding:12px 14px;font-size:.9rem;font-family:var(--font-body)}
.chat-send{border:none;border-radius:999px;background:var(--gold);color:var(--navy);padding:0 18px;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;cursor:pointer;font-family:var(--font-body)}
.chat-note{padding:0 18px 12px;font-size:.66rem;color:var(--text-muted);line-height:1.6}
@media print{.site-nav,.mobile-cta-bar,.chat-bubble,.chat-window,.cta-band,.related,.aside-card{display:none !important}body{background:#fff;color:#000}}

/* v11: one call button (header pill) + one WhatsApp button (floating) per page */
.wa-float{position:fixed;right:20px;bottom:20px;z-index:1050;display:inline-flex;align-items:center;gap:8px;min-height:52px;padding:0 20px 0 16px;border-radius:999px;background:#25D366;color:#0b1423;font-family:var(--font-body);font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;box-shadow:0 6px 22px rgba(0,0,0,.35),0 0 16px rgba(37,211,102,.3);transition:transform .2s,background .2s}
.wa-float:hover{background:#1ea855;transform:translateY(-2px)}
.wa-float svg{width:22px;height:22px;flex-shrink:0}
@media (max-width:600px){.wa-float{right:14px;bottom:14px;min-height:50px;padding:0 16px 0 13px;font-size:.68rem}}
@media print{.wa-float{display:none}}
.plain-contact{color:var(--gold-light);text-underline-offset:3px}
.aside-plain{font-size:.95rem;line-height:1.9}
.cta-plain{margin-top:10px !important;font-size:1rem}