/* ===========================
   Tim Murray Mortgages — Site Styles
   =========================== */

:root {
  --navy-dark: #0A2E4D;
  --navy: #12497A;
  --navy-light: #2C6BA0;
  --navy-tint: #EAF1F8;
  --green-accent: #5E9C1F;
  --green-light: #EEF6E3;
  --text-dark: #1F2937;
  --text-gray: #5B6472;
  --white: #FFFFFF;
  --bg-light: #F7F9FB;
  --border: #E3E8EE;
  --shadow: 0 4px 20px rgba(10, 46, 77, 0.08);
  --shadow-lg: 0 12px 40px rgba(10, 46, 77, 0.14);
  --radius: 12px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Poppins', 'Inter', sans-serif;
  font-weight: 600;
  line-height: 1.25;
  color: var(--navy-dark);
}

h1 { font-size: clamp(2.1rem, 4vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
h3 { font-size: 1.3rem; }

p { color: var(--text-gray); }

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--navy-light); }

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

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 80px 0; }
.section-tight { padding: 56px 0; }
.bg-light { background: var(--bg-light); }
.bg-navy-tint { background: var(--navy-tint); }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-accent);
  margin-bottom: 12px;
}

.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head p { margin-top: 14px; font-size: 1.05rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.98rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
}

.btn-primary {
  background: var(--green-accent);
  color: var(--white);
}
.btn-primary:hover { background: #4f8619; color: var(--white); transform: translateY(-1px); }

.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.6);
  color: var(--white);
}
.btn-outline:hover { background: rgba(255,255,255,0.12); color: var(--white); }

.btn-outline-navy {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

.btn-block { width: 100%; justify-content: center; }

/* ---------- Header / Nav ---------- */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  max-width: 1240px;
  margin: 0 auto;
}

.brand { display: flex; align-items: center; gap: 16px; }
.brand-icon { height: 58px; width: auto; flex-shrink: 0; }
.brand-wordmark { height: 58px; width: auto; flex-shrink: 0; }
@media (max-width: 640px) {
  .brand-icon { height: 42px; }
  .brand-wordmark { height: 42px; }
}
@media (max-width: 420px) {
  .brand-icon { height: 34px; }
  .brand-wordmark { height: 34px; }
}

nav.main-nav ul {
  display: flex;
  gap: 30px;
  list-style: none;
}
nav.main-nav a {
  color: var(--text-dark);
  font-weight: 500;
  font-size: 0.96rem;
}
nav.main-nav a.active,
nav.main-nav a:hover { color: var(--navy); }

.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-cta .phone-link {
  font-weight: 600;
  color: var(--navy-dark);
  white-space: nowrap;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.6rem;
  color: var(--navy-dark);
  cursor: pointer;
}

@media (max-width: 860px) {
  nav.main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    display: none;
    box-shadow: var(--shadow);
  }
  nav.main-nav.open { display: block; }
  nav.main-nav ul { flex-direction: column; gap: 0; padding: 8px 24px 16px; }
  nav.main-nav li { border-top: 1px solid var(--border); }
  nav.main-nav a { display: block; padding: 14px 0; }
  .nav-cta .btn-primary { display: none; }
  .nav-toggle { display: block; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, var(--navy-light) 100%);
  color: var(--white);
  padding: 90px 0 100px;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.hero h1 { color: var(--white); }
.hero p.lead {
  color: rgba(255,255,255,0.85);
  font-size: 1.15rem;
  margin: 20px 0 32px;
  max-width: 520px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.trust-strip {
  margin-top: 44px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.2);
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
}
.trust-strip strong { color: var(--white); }

.hero-badge {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius);
  padding: 28px;
  backdrop-filter: blur(6px);
}
.hero-badge h3 { color: var(--white); font-size: 1.1rem; margin-bottom: 14px; }
.hero-badge ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.hero-badge li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: rgba(255,255,255,0.88);
  font-size: 0.95rem;
}
.hero-badge li::before {
  content: "\2713";
  color: var(--green-accent);
  background: rgba(255,255,255,0.9);
  border-radius: 50%;
  width: 20px; height: 20px;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem; font-weight: 700;
}

@media (max-width: 860px) {
  .hero .container { grid-template-columns: 1fr; }
}

/* ---------- Service area pills ---------- */
.pill-row { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; }
.pill {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy-dark);
}

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

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.card .icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: var(--green-light);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}

.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.96rem; }
.card a.card-link { display: inline-block; margin-top: 14px; font-weight: 600; font-size: 0.92rem; }

/* ---------- Value props ---------- */
.value-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px 40px; }
@media (max-width: 700px) { .value-list { grid-template-columns: 1fr; } }
.value-item { display: flex; gap: 16px; }
.value-item .num {
  flex-shrink: 0;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem;
}
.value-item h4 { font-size: 1.05rem; margin-bottom: 4px; color: var(--navy-dark); }
.value-item p { font-size: 0.94rem; }

/* ---------- Sherwood affiliation block ---------- */
.affiliation {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  display: flex;
  align-items: center;
  gap: 32px;
  box-shadow: var(--shadow);
}
.affiliation .aff-icon {
  flex-shrink: 0;
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--navy-tint);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem;
}
@media (max-width: 700px) { .affiliation { flex-direction: column; text-align: center; } }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(120deg, var(--navy-dark), var(--navy));
  color: var(--white);
  border-radius: var(--radius);
  padding: 56px;
  text-align: center;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: rgba(255,255,255,0.85); margin: 12px auto 28px; max-width: 520px; }
.cta-banner .hero-actions { justify-content: center; }

/* ---------- About page ---------- */
.about-hero {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 860px) { .about-hero { grid-template-columns: 1fr; } }

.avatar-placeholder {
  width: 100%;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 4.5rem;
  box-shadow: var(--shadow-lg);
}

.avatar-photo {
  width: 100%;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: var(--navy-tint);
}
.avatar-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}

.bio-text p { margin-bottom: 18px; font-size: 1.02rem; color: var(--text-dark); }

.credentials-box {
  background: var(--navy-tint);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-top: 24px;
}
.credentials-box dl { display: grid; grid-template-columns: auto 1fr; gap: 8px 16px; font-size: 0.92rem; }
.credentials-box dt { font-weight: 700; color: var(--navy-dark); }
.credentials-box dd { color: var(--text-gray); }

/* ---------- Services page ---------- */
.service-block {
  display: grid;
  grid-template-columns: 0.4fr 1fr;
  gap: 40px;
  padding: 48px 0;
  border-bottom: 1px solid var(--border);
}
.service-block:last-child { border-bottom: none; }
@media (max-width: 780px) { .service-block { grid-template-columns: 1fr; } }
.service-block ul { margin-top: 14px; padding-left: 20px; color: var(--text-gray); font-size: 0.95rem; }
.service-block li { margin-bottom: 6px; }

/* ---------- Calculator ---------- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px;
}
@media (max-width: 860px) { .calc-wrap { grid-template-columns: 1fr; } }

.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-dark);
  margin-bottom: 6px;
}
.field input, .field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.98rem;
  font-family: inherit;
  color: var(--text-dark);
}
.field input:focus, .field select:focus { outline: 2px solid var(--navy-light); border-color: var(--navy-light); }

.calc-results {
  background: var(--navy-tint);
  border-radius: var(--radius);
  padding: 28px;
}
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid rgba(10,46,77,0.1);
}
.result-row:last-child { border-bottom: none; }
.result-row .label { font-size: 0.92rem; color: var(--text-gray); }
.result-row .value { font-size: 1.15rem; font-weight: 700; color: var(--navy-dark); }
.result-row.highlight .value { font-size: 1.9rem; color: var(--green-accent); }
.calc-disclaimer { font-size: 0.82rem; color: var(--text-gray); margin-top: 18px; }

/* ---------- Testimonials ---------- */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.testimonial-card .quote-mark { font-size: 2.2rem; color: var(--green-accent); font-family: Georgia, serif; line-height: 1; }
.empty-state {
  text-align: center;
  padding: 56px 32px;
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  background: var(--bg-light);
}
.empty-state h3 { margin-bottom: 10px; }
.empty-state p { max-width: 460px; margin: 0 auto 22px; }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }

.contact-info-card {
  background: var(--navy-dark);
  color: var(--white);
  border-radius: var(--radius);
  padding: 36px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 20px; }
.contact-info-card .info-row { display: flex; gap: 14px; margin-bottom: 18px; align-items: flex-start; }
.contact-info-card .info-row .ic { font-size: 1.2rem; width: 22px; flex-shrink: 0; display: flex; align-items: center; }
.contact-info-card .info-row .ic svg { width: 20px; height: 20px; }
.contact-info-card .social-divider { margin: 22px 0 18px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.15); }
.contact-info-card a { color: var(--white); font-weight: 600; }
.contact-info-card .service-area-list { margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.15); }
.contact-info-card .service-area-list p { color: rgba(255,255,255,0.75); font-size: 0.9rem; }

form.contact-form .field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.98rem;
  min-height: 130px;
  resize: vertical;
}

.calendly-inline-widget { min-width: 280px; height: 660px; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 56px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 36px;
}
@media (max-width: 780px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.footer-grid h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 14px; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; font-size: 0.9rem; }
.footer-grid a { color: rgba(255,255,255,0.7); }
.footer-grid a:hover { color: var(--white); }
.footer-brand .footer-logo-chip {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border-radius: 10px;
  padding: 10px 16px;
  margin-bottom: 14px;
}
.footer-brand .footer-logo-chip img { height: 36px; width: auto; }
.footer-brand p { font-size: 0.88rem; color: rgba(255,255,255,0.6); max-width: 280px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}

/* ---------- Page header (interior pages) ---------- */
.page-header {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
  padding: 64px 0;
  text-align: center;
}
.page-header h1 { color: var(--white); margin-bottom: 10px; }
.page-header p { color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto; }