/* Price Mortgage Group - design system
   Palette sourced from pricemortgagegroup.com (live site + logo):
   navy #033C73 / #0B3159, cerulean #2FA4E7, mid-blue #317EAC, gray #555 */

:root{
  --navy:#033C73;
  --navy-deep:#022A52;
  --navy-ink:#0B3159;
  --blue:#2FA4E7;
  --blue-mid:#317EAC;
  --blue-link:#1F6FA3;
  --tint:#E8F4FC;
  --bg:#FFFFFF;
  --bg-soft:#F5F7FA;
  --ink:#333333;
  --body:#555555;
  --line:#E3EAF2;
  --ok:#2E7D32;
  --warn:#B54708;
  --radius:14px;
  --shadow:0 10px 30px rgba(3,60,115,.08);
  --shadow-sm:0 4px 14px rgba(3,60,115,.07);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none !important}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--body);background:var(--bg);line-height:1.65;font-size:1.0625rem}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{color:var(--navy-ink);line-height:1.18;margin:0 0 .6em;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,5.2vw,3.25rem)}
h2{font-size:clamp(1.55rem,3.4vw,2.25rem)}
h3{font-size:clamp(1.15rem,2.2vw,1.4rem)}
h4{font-size:1.05rem}
p{margin:0 0 1em}
a{color:var(--blue-link);text-decoration:none}
a:hover{color:var(--navy);text-decoration:underline}
ul,ol{padding-left:1.3em;margin:0 0 1em}
li{margin-bottom:.45em}
strong{color:var(--ink)}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}

.container{width:min(1120px,92%);margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:.6em 1em;z-index:200;border-radius:0 0 8px 0}
.skip-link:focus{left:0}

/* ===== Header ===== */
header.site{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.65rem 0}
.brand{display:flex;flex-direction:column;line-height:1.15;text-decoration:none}
.brand:hover{text-decoration:none}
.brand .name{font-weight:800;font-size:1.18rem;color:var(--navy);letter-spacing:-.01em}
.brand .name em{font-style:normal;color:var(--blue)}
.brand .tag{font-size:.62rem;letter-spacing:.14em;color:var(--blue-mid);text-transform:uppercase;font-weight:600}
nav.primary ul{display:flex;align-items:center;gap:1.35rem;list-style:none;margin:0;padding:0}
nav.primary a{color:var(--navy-ink);font-weight:600;font-size:.95rem}
nav.primary a:hover{color:var(--blue-mid);text-decoration:none}
nav.primary a[aria-current="page"]{color:var(--blue-mid)}
.nav-cta{background:var(--blue-mid);color:#fff !important;padding:.55em 1.15em;border-radius:8px;font-weight:700}
.nav-cta:hover{background:var(--navy);text-decoration:none}
#navToggle{display:none;background:none;border:0;cursor:pointer;padding:.5rem}
#navToggle span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px;transition:transform .25s,opacity .25s}

@media (max-width:880px){
  #navToggle{display:block}
  nav.primary{position:fixed;inset:58px 0 auto 0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);transform:translateY(-130%);transition:transform .28s ease;max-height:calc(100vh - 58px);overflow:auto}
  nav.primary.open{transform:translateY(0)}
  nav.primary ul{flex-direction:column;align-items:stretch;gap:0;padding:.5rem 4%}
  nav.primary li{margin:0;border-bottom:1px solid var(--bg-soft)}
  nav.primary li:last-child{border:0;padding:.75rem 0}
  nav.primary a{display:block;padding:.85rem .25rem;font-size:1.05rem}
  .nav-cta{text-align:center}
  body.nav-open{overflow:hidden}
}

/* ===== Buttons ===== */
.btn{display:inline-block;padding:.8em 1.5em;border-radius:9px;font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s;text-align:center}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--blue-mid);color:#fff}
.btn-primary:hover{background:var(--navy);color:#fff}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--tint);color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.85);color:#fff;background:transparent}
.btn-outline-light:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-lg{padding:.95em 1.9em;font-size:1.06rem}
.btn[disabled]{opacity:.55;cursor:not-allowed}

/* ===== Hero ===== */
.hero{background:linear-gradient(140deg,var(--navy-deep) 0%,var(--navy) 55%,#0A4E8F 100%);color:#EAF3FB;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-180px;top:-180px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(47,164,231,.28),transparent 65%);pointer-events:none}
.hero .container{position:relative;z-index:1;padding:clamp(3.2rem,8vw,6rem) 0 clamp(2.8rem,7vw,5rem)}
.hero h1{color:#fff;max-width:17ch}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero .lead{font-size:clamp(1.05rem,2vw,1.22rem);max-width:56ch;color:#D7E7F5}
.badge{display:inline-flex;align-items:center;gap:.5em;background:rgba(47,164,231,.16);border:1px solid rgba(47,164,231,.45);color:#CFE9FB;font-size:.85rem;font-weight:600;padding:.42em 1em;border-radius:99px;margin-bottom:1.3rem}
.badge .dot{width:8px;height:8px;border-radius:50%;background:var(--blue);flex:none}
.hero-actions{display:flex;flex-wrap:wrap;gap:.9rem;margin-top:1.7rem}
.hero-sub{background:linear-gradient(140deg,var(--navy-deep),var(--navy))}
.hero-sub .container{padding:clamp(2.4rem,6vw,3.8rem) 0}
.breadcrumb{font-size:.85rem;color:#9FC4E0;margin-bottom:1rem}
.breadcrumb a{color:#CFE9FB}
.breadcrumb span[aria-current]{color:#fff}

/* ===== Stats / trust ===== */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1.2rem;margin-top:2.6rem;padding-top:1.8rem;border-top:1px solid rgba(255,255,255,.18)}
.stat .num{font-size:clamp(1.7rem,3.5vw,2.3rem);font-weight:800;color:#fff}
.stat .num em{font-style:normal;color:var(--blue)}
.stat .cap{font-size:.85rem;color:#B9D3E8}
.trustbar{background:var(--navy-deep);color:#B9D3E8;font-size:.86rem}
.trustbar .container{display:flex;flex-wrap:wrap;gap:.4rem 1.8rem;justify-content:center;padding:.7rem 0}
.trustbar strong{color:#fff;font-weight:600}
.trustbar a{color:#CFE9FB}

/* ===== Sections ===== */
section.block{padding:clamp(2.8rem,7vw,4.8rem) 0}
section.soft{background:var(--bg-soft)}
section.navy{background:linear-gradient(140deg,var(--navy-deep),var(--navy));color:#D7E7F5}
section.navy h2,section.navy h3{color:#fff}
.eyebrow{display:block;font-size:.8rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--blue-mid);margin-bottom:.6rem}
section.navy .eyebrow{color:var(--blue)}
.section-head{max-width:62ch;margin-bottom:2.2rem}
.section-head.center{margin-inline:auto;text-align:center}

/* ===== Grids & cards ===== */
.grid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:1.5rem}
.grid-3{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:1.4rem}
.grid-4{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,215px),1fr));gap:1.2rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow-sm)}
.card h3{margin-top:.2rem}
.card .icon{width:46px;height:46px;border-radius:11px;background:var(--tint);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.35rem;margin-bottom:1rem}
.card .more{font-weight:700;color:var(--blue-mid)}
.card.featured{border-top:4px solid var(--blue)}
section.navy .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#D7E7F5;box-shadow:none}
section.navy .card .icon{background:rgba(47,164,231,.18);color:var(--blue)}
.checklist{list-style:none;padding:0}
.checklist li{padding-left:1.7em;position:relative}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;color:var(--blue-mid);font-weight:800}
section.navy .checklist li::before{color:var(--blue)}

/* ===== Split layouts ===== */
.split{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));gap:2.4rem;align-items:start}
.sticky-side{position:sticky;top:86px}
@media (max-width:880px){.sticky-side{position:static}}

/* ===== Tables ===== */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff}
table.data{width:100%;border-collapse:collapse;font-size:.95rem;min-width:480px}
table.data th{background:var(--navy);color:#fff;text-align:left;padding:.75em 1em;font-weight:600}
table.data td{padding:.7em 1em;border-top:1px solid var(--line)}
table.data tr:nth-child(even) td{background:var(--bg-soft)}

/* ===== FAQ ===== */
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:.8rem;overflow:hidden}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy-ink);padding:1.05rem 1.3rem;list-style:none;position:relative;padding-right:2.6rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);color:var(--blue-mid);font-size:1.4rem;font-weight:600}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 1.3rem 1.15rem;border-top:1px dashed var(--line)}
.faq .a p:first-child{margin-top:1rem}

/* ===== Forms ===== */
.field{margin-bottom:1.15rem}
.field label{display:block;font-weight:600;color:var(--ink);font-size:.93rem;margin-bottom:.35rem}
.field .hint{font-size:.82rem;color:#7A8699;margin-top:.3rem}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;padding:.72em .9em;border:1.5px solid #C9D6E4;border-radius:9px;font-size:1rem;font-family:inherit;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(47,164,231,.18)}
.field.error input,.field.error select{border-color:#C0362C}
.field .err{display:none;color:#C0362C;font-size:.83rem;margin-top:.3rem;font-weight:600}
.field.error .err{display:block}
.form-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,210px),1fr));gap:0 1.1rem}
.consent{font-size:.83rem;color:#7A8699;display:flex;gap:.6em;align-items:flex-start}
.consent input{width:auto;margin-top:.3em}
fieldset{border:0;padding:0;margin:0}
fieldset legend{font-weight:700;color:var(--navy-ink);font-size:1.05rem;margin-bottom:.8rem;padding:0}

/* choice pills (apply flow) */
.choices{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,150px),1fr));gap:.7rem;margin-bottom:1rem}
.choice{position:relative}
.choice input{position:absolute;opacity:0;inset:0;cursor:pointer}
.choice label{display:block;border:1.5px solid #C9D6E4;border-radius:11px;padding:.9em .9em;text-align:center;font-weight:600;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s;height:100%}
.choice input:checked + label{border-color:var(--blue-mid);background:var(--tint);color:var(--navy)}
.choice input:focus-visible + label{outline:3px solid var(--blue);outline-offset:2px}

/* step indicator */
.steps{display:flex;gap:.45rem;margin-bottom:1.8rem}
.steps .s{flex:1;height:6px;border-radius:99px;background:#D8E4EF}
.steps .s.on{background:var(--blue-mid)}
.step-label{font-size:.85rem;font-weight:700;color:var(--blue-mid);letter-spacing:.08em;text-transform:uppercase;margin-bottom:.4rem}
.form-nav{display:flex;justify-content:space-between;gap:1rem;margin-top:1.6rem}
.form-panel[hidden]{display:none}
.notice{border-radius:11px;padding:1rem 1.2rem;font-size:.95rem;margin:1rem 0}
.notice.ok{background:#EDF7EE;border:1px solid #BBDDBE;color:#245427}
.notice.err{background:#FBEDEB;border:1px solid #E8B9B3;color:#7A2A22}

/* ===== Calculators ===== */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.calc-body{display:grid;grid-template-columns:1.15fr 1fr}
@media (max-width:820px){.calc-body{grid-template-columns:1fr}}
.calc-inputs{padding:1.7rem}
.calc-results{background:linear-gradient(160deg,var(--navy-deep),var(--navy));color:#D7E7F5;padding:1.7rem;display:flex;flex-direction:column}
.calc-results h3{color:#fff}
.big-num{font-size:clamp(2rem,4.5vw,2.7rem);font-weight:800;color:#fff;line-height:1.1}
.big-num small{font-size:.45em;font-weight:600;color:#B9D3E8}
.range-field{margin-bottom:1.05rem}
.range-field .rf-top{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:.25rem}
.range-field label{font-weight:600;color:var(--ink);font-size:.92rem}
.range-field output{font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--blue-mid);height:1.4rem}
.breakdown{list-style:none;padding:0;margin:1.1rem 0 0;font-size:.93rem}
.breakdown li{display:flex;justify-content:space-between;gap:1rem;padding:.5em 0;border-bottom:1px solid rgba(255,255,255,.14)}
.breakdown li span:last-child{font-weight:700;color:#fff;font-variant-numeric:tabular-nums}
.breakdown li.total{border-bottom:0;border-top:2px solid rgba(255,255,255,.3);font-weight:800;color:#fff}
.stackbar{display:flex;height:14px;border-radius:99px;overflow:hidden;margin-top:1.1rem;background:rgba(255,255,255,.12)}
.stackbar i{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:.4rem 1.1rem;font-size:.78rem;margin-top:.6rem;color:#B9D3E8}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:.35em}
.c1{background:#2FA4E7}.c2{background:#7CC4F0}.c3{background:#B9DDF8}.c4{background:#5A8FBF}.c5{background:#8FB8DB}
.calc-note{font-size:.8rem;color:#9FC4E0;margin-top:auto;padding-top:1rem}

/* ===== Team ===== */
.person{display:flex;flex-direction:column}
.person .avatar{width:64px;height:64px;border-radius:50%;background:linear-gradient(140deg,var(--navy),var(--blue-mid));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.25rem;margin-bottom:1rem;letter-spacing:.02em}
.person .role{font-size:.85rem;font-weight:700;color:var(--blue-mid);text-transform:uppercase;letter-spacing:.08em}
.person .nmls{font-size:.83rem;color:#7A8699;margin:.15rem 0 .7rem}
.person .contact{margin-top:auto;font-size:.92rem}
.person .contact a{display:block;margin-top:.25rem}

/* ===== CTA band ===== */
.cta-band{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#0A4E8F);color:#D7E7F5;border-radius:var(--radius);padding:clamp(1.8rem,5vw,3rem);display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.4rem}
.cta-band h2{color:#fff;margin:0}
.cta-band p{margin:.4em 0 0;max-width:52ch}

/* ===== Map ===== */
.map-wrap{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.map-wrap iframe{display:block;width:100%;height:min(62vw,420px);border:0}

/* ===== Footer ===== */
footer.site{background:var(--navy-deep);color:#B9D3E8;font-size:.94rem;margin-top:0}
footer.site a{color:#CFE9FB}
footer.site a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:2rem;padding:3rem 0 2rem}
.footer-brand .name{font-weight:800;font-size:1.15rem;color:#fff}
.footer-brand .name em{font-style:normal;color:var(--blue)}
.footer-brand .slogan{color:var(--blue);font-weight:600;font-size:.9rem;margin:.2rem 0 1rem}
.footer-col h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:.9rem}
.footer-col a{display:block;margin-bottom:.55rem}
.fine{border-top:1px solid rgba(255,255,255,.14);padding:1.4rem 0 2rem;font-size:.8rem;color:#8FB2CE;line-height:1.7}
.fine a{color:#B9D3E8}
.eh{display:inline-flex;align-items:center;gap:.45em}

/* ===== Reveal animation (opt-in via html.js so no-JS users always see content) ===== */
html.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
html.js .reveal.in{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  html.js .reveal{opacity:1;transform:none;transition:none}
}

/* ===== Utility ===== */
.center{text-align:center}
.mt-1{margin-top:1rem}.mt-2{margin-top:2rem}.mb-0{margin-bottom:0}
.small{font-size:.86rem}
.muted{color:#7A8699}
.nowrap{white-space:nowrap}

/* team headshots (real photos) */
.person .avatar{width:104px;height:104px}
.person img.avatar{object-fit:cover;object-position:top center;background:var(--tint);display:block}

/* hero photo backgrounds (self-hosted, per page via --hero) */
.hero.has-photo{background-image:linear-gradient(100deg,rgba(6,26,53,.94) 0%,rgba(7,32,64,.80) 38%,rgba(9,50,100,.46) 70%,rgba(11,66,128,.30) 100%),var(--hero);background-size:cover;background-position:center right;background-repeat:no-repeat}
.hero.has-photo::after{opacity:.45}
@media(max-width:720px){.hero.has-photo{background-position:center center;background-image:linear-gradient(180deg,rgba(6,26,53,.90) 0%,rgba(7,32,64,.86) 100%),var(--hero)}}