/* =====================================================================
   Price Mortgage Group — EXAMPLE refresh
   Design system: UI UX Pro Max "Trust & Authority / Accessible & Ethical"
   Palette anchored to PMG's REAL brand (pricemortgagegroup.com):
   deep blue #033C73 + near-black header + white/slate. No gold.
   Fonts: Lexend (headings) / Source Sans 3 (body)
   ===================================================================== */
@import url('https://fonts.googleapis.com/css2?family=Lexend:wght@300;400;500;600;700;800&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');

:root{
  /* Brand (from PMG live site) */
  --brand:        #033C73;   /* PMG real deep blue (buttons) */
  --brand-700:    #052B52;   /* darker */
  --accent:       #0369A1;   /* CTA blue (design system) */
  --accent-600:   #0B7FC4;   /* hover */
  --accent-300:   #4FA8E0;   /* light accent / on-dark links */
  --ink:          #0B1220;   /* near-black header/footer (matches their black bar) */
  --ink-soft:     #16243B;
  --slate:        #334155;
  /* Neutrals */
  --bg:           #F8FAFC;
  --surface:      #FFFFFF;
  --bg-alt:       #EDF2F8;
  --text:         #0F172A;
  --muted:        #4B5872;
  --border:       #E2E8F0;
  --border-strong:#CBD7E6;
  /* Back-compat aliases (legacy class names) */
  --navy: var(--brand);
  --gold: var(--accent);
  --white: var(--surface);
  --light-bg: var(--bg-alt);
  /* Effects */
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(11,18,32,.06), 0 8px 24px rgba(11,18,32,.07);
  --shadow-lg: 0 24px 64px rgba(11,18,32,.18);
  --ring: 0 0 0 3px rgba(3,105,161,.45);
  --t: .2s ease;
  /* Spacing */
  --space-md:16px; --space-lg:24px; --space-xl:32px; --space-2xl:48px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Source Sans 3',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--text);background:var(--bg);line-height:1.65;font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Lexend',system-ui,sans-serif;line-height:1.18;color:var(--ink);font-weight:700;letter-spacing:-.01em}
a{color:var(--accent);text-decoration:none;transition:color var(--t)}
a:hover{color:var(--accent-600)}
img{max-width:100%;display:block}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
.ico{width:24px;height:24px;flex:none;stroke:currentColor;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}

/* Accessibility */
:focus-visible{outline:none;box-shadow:var(--ring);border-radius:6px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--accent);color:#fff;padding:10px 16px;z-index:1000;border-radius:0 0 8px 0}
.skip-link:focus{left:0;color:#fff}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:'Lexend',sans-serif;font-weight:600;
  font-size:.97rem;padding:13px 24px;border-radius:var(--radius-sm);cursor:pointer;border:1.5px solid transparent;
  transition:background var(--t),color var(--t),border-color var(--t),transform var(--t),box-shadow var(--t);text-align:center;line-height:1.2}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-600);color:#fff;box-shadow:0 8px 20px rgba(3,105,161,.28)}
.btn-navy{background:var(--brand);color:#fff}
.btn-navy:hover{background:var(--brand-700);color:#fff;box-shadow:0 8px 20px rgba(3,60,115,.28)}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.btn-ghost{background:transparent;color:var(--accent);border-color:var(--border-strong)}
.btn-ghost:hover{background:var(--bg-alt);color:var(--accent-600)}

/* ---------- Nav (dark, carries the real PMG logo) ---------- */
.nav{position:sticky;top:0;z-index:500;background:var(--ink);border-bottom:1px solid rgba(255,255,255,.08)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:20px}
.nav-logo{display:flex;align-items:center;gap:12px}
.nav-logo img{height:34px;width:auto}
.nav-logo-text{display:flex;flex-direction:column;line-height:1.05}
.nav-logo-main{font-family:'Lexend',sans-serif;font-weight:700;color:#fff;font-size:1.02rem;letter-spacing:.01em}
.nav-logo-sub{font-size:.7rem;color:var(--accent-300);font-weight:500;letter-spacing:.04em}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links a{color:#D8E2EE;font-family:'Lexend',sans-serif;font-weight:500;font-size:.95rem;padding:9px 14px;border-radius:6px;transition:background var(--t),color var(--t)}
.nav-links a:hover{background:rgba(255,255,255,.08);color:#fff}
.nav-links a.active{color:#fff;background:rgba(79,168,224,.18)}
.nav-links a.btn-primary{color:#fff;background:var(--accent)}
.nav-links a.btn-primary:hover{background:var(--accent-600)}
.nav-hamburger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-hamburger span{width:24px;height:2px;background:#fff;border-radius:2px;transition:var(--t)}
.nav-hamburger--open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-hamburger--open span:nth-child(2){opacity:0}
.nav-hamburger--open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;color:#fff;overflow:hidden;
  background:
    linear-gradient(125deg, rgba(11,18,32,.93) 0%, rgba(3,43,82,.86) 45%, rgba(3,105,161,.74) 100%),
    var(--hero-img, radial-gradient(120% 120% at 80% 0%, #0a3a6b 0%, #0B1220 70%));
  background-size:cover;background-position:center}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 85% 10%,rgba(79,168,224,.16),transparent 60%);pointer-events:none}
.hero-content{position:relative;z-index:1;max-width:760px;padding:90px 0 96px}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.22);padding:7px 16px;border-radius:999px;font-size:.85rem;font-weight:600;margin-bottom:22px;color:#EAF2FB}
.hero-badge .ico{width:17px;height:17px}
.hero h1{color:#fff;font-size:clamp(2.2rem,5vw,3.6rem);font-weight:800;margin-bottom:18px}
.hero h1 span{color:var(--accent-300)}
.hero-sub{font-size:1.18rem;color:#D6E3F2;max-width:640px;margin-bottom:32px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:48px}
.hero-stats{display:flex;flex-wrap:wrap;gap:40px}
.hero-stat-num{font-family:'Lexend',sans-serif;font-size:2.5rem;font-weight:800;color:#fff;line-height:1}
.hero-stat-label{font-size:.85rem;color:#AFC4DC;margin-top:6px;max-width:130px}

/* ---------- Trust bar ---------- */
.trust-bar{background:var(--ink-soft);color:#D8E2EE}
.trust-bar-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:14px 22px;padding:16px 24px;font-size:.88rem}
.trust-item{display:inline-flex;align-items:center;gap:8px}
.trust-item .ico{width:18px;height:18px;color:var(--accent-300)}
.trust-item a{color:inherit;font-weight:600}
.trust-divider{color:rgba(255,255,255,.2)}

/* ---------- Sections ---------- */
.section{padding:84px 0}
.section-sm{padding:48px 0}
.section-alt{background:var(--bg-alt)}
.section-header{max-width:720px;margin-bottom:14px}
.section-header.center{margin-left:auto;margin-right:auto;text-align:center}
.section-label{display:inline-block;font-family:'Lexend',sans-serif;font-weight:600;font-size:.78rem;
  letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.section-header h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:14px}
.section-header p{color:var(--muted);font-size:1.06rem}

/* ---------- Loan program cards (home) ---------- */
.programs-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px;margin-top:44px}
.program-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:30px;
  transition:transform var(--t),box-shadow var(--t),border-color var(--t)}
.program-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--border-strong)}
.program-icon{width:52px;height:52px;border-radius:12px;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,var(--brand),var(--accent));color:#fff;margin-bottom:18px}
.program-icon .ico{width:26px;height:26px;stroke-width:1.6}
.program-card h3{font-size:1.18rem;margin-bottom:10px}
.program-card p{color:var(--muted);font-size:.96rem;margin-bottom:16px}
.program-link{font-family:'Lexend',sans-serif;font-weight:600;font-size:.9rem;display:inline-flex;align-items:center;gap:6px}
.program-link .ico{width:16px;height:16px}

/* ---------- Why grid ---------- */
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:28px;margin-top:48px}
.why-item{text-align:center;padding:8px}
.why-icon{width:60px;height:60px;border-radius:16px;margin:0 auto 18px;display:flex;align-items:center;justify-content:center;
  background:var(--bg-alt);color:var(--accent);border:1px solid var(--border)}
.why-icon .ico{width:28px;height:28px}
.why-item h3{font-size:1.1rem;margin-bottom:8px}
.why-item p{color:var(--muted);font-size:.95rem}

/* ---------- Team ---------- */
.team-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:24px}
.team-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;
  transition:transform var(--t),box-shadow var(--t),border-color var(--t)}
.team-card[data-profile]{cursor:pointer}
.team-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--border-strong)}
.team-avatar{position:relative;width:100%;padding-top:100%;background:var(--bg-alt);overflow:hidden}
.team-avatar img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:top center}
.team-info{padding:18px 20px 22px}
.team-name{font-family:'Lexend',sans-serif;font-weight:700;color:var(--ink);font-size:1.02rem}
.team-title{color:var(--accent);font-weight:600;font-size:.85rem;margin-top:2px}
.team-nmls{color:var(--muted);font-size:.76rem;margin-top:3px;letter-spacing:.02em}
.team-bio{color:var(--muted);font-size:.9rem;line-height:1.6}
.team-contact{font-size:.85rem;margin-top:10px;display:flex;flex-direction:column;gap:3px}
.view-profile-hint{margin-top:12px;font-size:.78rem;color:var(--accent);font-weight:600;font-family:'Lexend',sans-serif}
.team-card[data-profile]:hover .view-profile-hint{text-decoration:underline}

/* ---------- Testimonials ---------- */
.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:24px;margin-top:44px}
.testimonial-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.testimonial-stars{display:flex;gap:3px;color:#E8A317;margin-bottom:14px}
.testimonial-stars .ico{width:19px;height:19px;fill:#E8A317;stroke:#E8A317}
.testimonial-quote{font-size:1rem;color:var(--text);line-height:1.7;font-style:italic;margin-bottom:18px}
.testimonial-name{font-family:'Lexend',sans-serif;font-weight:700;color:var(--ink);font-size:.95rem}
.testimonial-detail{color:var(--muted);font-size:.82rem;margin-top:2px}

/* ---------- CTA ---------- */
.cta-section{background:linear-gradient(125deg,var(--ink) 0%,var(--brand-700) 60%,var(--accent) 130%);color:#fff;text-align:center;padding:80px 0}
.cta-section h2{color:#fff;font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:14px}
.cta-section p{color:#D6E3F2;max-width:620px;margin:0 auto 30px;font-size:1.08rem}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}

/* ---------- Page header / breadcrumb ---------- */
.page-header{background:var(--ink);color:#fff;padding:54px 0 48px}
.page-header h1{color:#fff;font-size:clamp(1.9rem,4vw,2.7rem);margin-bottom:12px}
.page-header p{color:#CBD9EA;max-width:720px;font-size:1.06rem}
.breadcrumb{font-size:.82rem;color:#9DB4CE;margin-bottom:18px;display:flex;gap:8px;align-items:center}
.breadcrumb a{color:var(--accent-300)}
.breadcrumb-sep{color:rgba(255,255,255,.3)}

/* ---------- Loan programs list (detail page) ---------- */
.loan-programs-list{display:flex;flex-direction:column;gap:24px}
.loan-program-item{display:grid;grid-template-columns:230px 1fr;gap:32px;background:var(--surface);
  border:1px solid var(--border);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow);scroll-margin-top:90px}
.loan-program-icon-wrap{display:flex;flex-direction:column;align-items:flex-start;gap:14px;border-right:1px solid var(--border);padding-right:24px}
.loan-program-icon-wrap .badge-ico{width:60px;height:60px;border-radius:14px;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,var(--brand),var(--accent));color:#fff}
.loan-program-icon-wrap .badge-ico .ico{width:30px;height:30px}
.loan-program-icon-wrap h3{font-size:1.15rem;color:var(--ink)}
.loan-program-content h2{font-size:1.4rem;margin-bottom:10px}
.loan-program-content p{color:var(--muted);margin-bottom:16px}
.loan-benefits{list-style:none;display:flex;flex-direction:column;gap:9px;margin-bottom:22px}
.loan-benefits li{position:relative;padding-left:30px;color:var(--text);font-size:.96rem}
.loan-benefits li::before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border-radius:50%;
  background:var(--bg-alt) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%230369A1' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/12px no-repeat}

/* ---------- Process steps ---------- */
.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;margin-top:44px}
.step-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.step-num{width:42px;height:42px;background:linear-gradient(135deg,var(--brand),var(--accent));color:#fff;border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-family:'Lexend',sans-serif;font-weight:800;font-size:1.1rem;margin-bottom:16px}
.step-card h3{color:var(--ink);font-size:1.08rem;margin-bottom:10px}
.step-card p{font-size:.92rem;color:var(--muted)}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:48px}
.contact-info-item{display:flex;gap:16px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--border)}
.contact-info-icon{width:44px;height:44px;border-radius:11px;flex:none;display:flex;align-items:center;justify-content:center;
  background:var(--bg-alt);color:var(--accent);border:1px solid var(--border)}
.contact-info-icon .ico{width:22px;height:22px}
.contact-info-label{font-family:'Lexend',sans-serif;font-weight:600;color:var(--ink);font-size:.92rem}
.contact-info-value{color:var(--muted);font-size:.95rem}
.contact-info-value a{color:var(--accent);font-weight:600}
.contact-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:40px;box-shadow:var(--shadow)}
.contact-form .form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{margin-bottom:18px;display:flex;flex-direction:column}
.form-group label{font-family:'Lexend',sans-serif;font-weight:600;font-size:.85rem;color:var(--ink);margin-bottom:6px}
.form-group input,.form-group select,.form-group textarea{
  font-family:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid var(--border-strong);border-radius:var(--radius-sm);
  background:#fff;color:var(--text);transition:border-color var(--t),box-shadow var(--t);width:100%}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--accent);box-shadow:var(--ring);outline:none}
.form-group textarea{min-height:120px;resize:vertical}
.form-consent{font-size:.82rem;color:var(--muted);line-height:1.55}
.map-embed{margin-top:22px;border-radius:var(--radius);overflow:hidden;border:1px solid var(--border)}
.map-embed iframe{display:block;width:100%;height:260px;border:0}

/* ---------- Footer ---------- */
.footer{background:var(--ink);color:#AEC0D6;padding:64px 0 32px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer h3{color:#fff;font-size:1.2rem;margin-bottom:12px}
.footer h4{color:#fff;font-size:.92rem;margin-bottom:14px;font-family:'Lexend',sans-serif;letter-spacing:.02em}
.footer p{color:#9DB1C9;line-height:1.7}
.footer-links ul{list-style:none}
.footer-links li{margin-bottom:9px}
.footer-links a{color:#9DB1C9}
.footer-links a:hover{color:#fff}
.footer-fb{display:inline-flex;align-items:center;gap:8px;margin-top:14px;font-weight:600;color:var(--accent-300)}
.footer-fb svg{width:18px;height:18px}
.footer-bottom{padding-top:26px;font-size:.8rem;color:#8095AE;line-height:1.65;display:flex;flex-direction:column;gap:10px}
.footer-compliance a{color:#B9C9DD;text-decoration:underline}
.footer-equal-housing{display:flex;align-items:center;gap:10px;margin-top:4px}
.footer-equal-housing .ico{width:22px;height:22px;color:#B9C9DD;flex:none}
.footer-credit{margin-top:14px;color:#7488A1}
.footer-credit a{color:var(--accent-300);font-weight:600}

/* ---------- Modal ---------- */
.modal-overlay{display:none;position:fixed;inset:0;background:rgba(8,15,28,.7);z-index:9999;
  align-items:center;justify-content:center;padding:20px;backdrop-filter:blur(3px)}
.modal-overlay.open{display:flex}
.modal-box{background:#fff;border-radius:14px;max-width:680px;width:100%;max-height:90vh;overflow-y:auto;
  display:grid;grid-template-columns:210px 1fr;position:relative;box-shadow:var(--shadow-lg)}
.modal-close{position:absolute;top:14px;right:18px;background:rgba(0,0,0,.07);border:0;width:34px;height:34px;border-radius:50%;
  font-size:20px;line-height:34px;text-align:center;cursor:pointer;color:#444;z-index:2;transition:background var(--t)}
.modal-close:hover{background:rgba(0,0,0,.15);color:#000}
.modal-photo{border-radius:14px 0 0 14px;overflow:hidden;background:var(--bg-alt);min-height:240px}
.modal-photo img{width:100%;height:100%;object-fit:cover;object-position:top center}
.modal-content{padding:30px 28px}
.modal-name{font-family:'Lexend',sans-serif;font-size:1.4rem;font-weight:700;color:var(--ink);padding-right:36px}
.modal-title{font-size:.9rem;color:var(--accent);font-weight:600;margin:3px 0}
.modal-nmls{font-size:.78rem;color:var(--muted);margin-bottom:14px}
.modal-bio{font-size:.9rem;line-height:1.65;color:var(--slate);margin-bottom:18px}
.modal-bio p{margin-bottom:9px}.modal-bio ul{padding-left:18px}.modal-bio li{margin-bottom:5px}
.modal-contact{border-top:1px solid var(--border);padding-top:14px;display:flex;flex-direction:column;gap:6px}
.modal-contact a{color:var(--brand);font-size:.88rem}
.modal-email-btn{display:inline-block;margin-top:10px;background:var(--accent);color:#fff!important;padding:10px 20px;
  border-radius:8px;font-weight:600;font-size:.87rem;text-align:center}
.modal-email-btn:hover{background:var(--accent-600)}
.modal-contact-row{display:flex;align-items:center;gap:8px}
.modal-contact-row .ico{width:16px;height:16px;color:var(--accent)}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .contact-grid{grid-template-columns:1fr;gap:32px}
  .loan-program-item{grid-template-columns:1fr;gap:18px}
  .loan-program-icon-wrap{flex-direction:row;align-items:center;border-right:0;border-bottom:1px solid var(--border);padding-right:0;padding-bottom:16px}
}
@media (max-width:768px){
  .nav-hamburger{display:flex}
  .nav-links{position:absolute;top:74px;left:0;right:0;background:var(--ink);flex-direction:column;align-items:stretch;
    gap:0;padding:8px 16px 16px;border-bottom:1px solid rgba(255,255,255,.1);display:none}
  .nav-links.nav-open{display:flex}
  .nav-links a{padding:13px 12px}
  .nav-links a.btn-primary{margin-top:8px;justify-content:center}
  .hero-content{padding:64px 0 70px}
  .hero-stats{gap:28px}
  .contact-form .form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
}
@media (max-width:480px){
  body{font-size:16px}
  .modal-box{grid-template-columns:1fr}
  .modal-photo{border-radius:14px 14px 0 0;height:230px;min-height:0}
  .hero-stat-num{font-size:2.1rem}
}