/* ===================================================================
   Hamed Mortgages — Master Stylesheet (main.css)
   Static V1 | Design system + components | Mobile-first
   Palette: dark green / charcoal / white / gold
   =================================================================== */

/* ---------- Design Tokens ---------- */
:root {
  /* Brand palette */
  --green-900: #0B2A20;
  --green-800: #0F3D2E;
  --green-700: #15523E;
  --green-600: #1C6B50;
  --gold:      #C5A249;
  --gold-soft: #D8BE7E;
  --charcoal:  #1C1C1C;
  --ink:       #222826;
  --slate:     #4A554F;
  --line:      #E4E8E5;
  --mist:      #F5F7F5;
  --cloud:     #FBFCFB;
  --white:     #FFFFFF;

  /* Semantic */
  --bg:            var(--white);
  --bg-alt:        var(--mist);
  --text:          var(--ink);
  --text-muted:    var(--slate);
  --heading:       var(--green-800);
  --accent:        var(--gold);
  --on-dark:       #EAF0EC;
  --on-dark-muted: #A9BCB2;

  /* Type */
  --font-sans: "Manrope", "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
  --font-serif: "Georgia", "Times New Roman", serif;

  /* Spacing & shape */
  --maxw: 1160px;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 3px rgba(15, 61, 46, 0.08);
  --shadow-md: 0 10px 30px rgba(11, 42, 32, 0.10);
  --shadow-lg: 0 24px 60px rgba(11, 42, 32, 0.16);
  --transition: 200ms ease;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--green-700); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
h1, h2, h3, h4 { color: var(--heading); line-height: 1.2; font-weight: 700; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }
ul { margin: 0 0 1rem; padding-inline-start: 1.2rem; }
li { margin-bottom: .4rem; }

/* ---------- Accessibility ---------- */
.skip-link {
  position: absolute; inset-inline-start: 0; top: -100px; z-index: 1000;
  background: var(--green-800); color: #fff; padding: .75rem 1.25rem; border-radius: 0 0 var(--radius-sm) 0;
  transition: top var(--transition);
}
.skip-link:focus { top: 0; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 1.25rem; }
.section { padding: clamp(3rem, 7vw, 5.5rem) 0; }
.section--alt { background: var(--bg-alt); }
.section--dark { background: var(--green-900); color: var(--on-dark); }
.section--dark h1, .section--dark h2, .section--dark h3 { color: #fff; }
.section--dark p { color: var(--on-dark-muted); }
.section-head { max-width: 720px; margin-bottom: 2.5rem; }
.section-head.center { margin-inline: auto; text-align: center; }
.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--gold); margin-bottom: .75rem;
}
.lead { font-size: 1.15rem; color: var(--text-muted); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: inherit; font-size: 1rem; font-weight: 700; line-height: 1;
  padding: .95rem 1.6rem; border-radius: var(--radius-sm); border: 2px solid transparent;
  cursor: pointer; transition: all var(--transition); text-align: center;
}
.btn--primary { background: var(--gold); color: var(--green-900); border-color: var(--gold); }
.btn--primary:hover { background: var(--gold-soft); border-color: var(--gold-soft); color: var(--green-900); }
.btn--outline { background: transparent; color: var(--green-800); border-color: var(--green-800); }
.btn--outline:hover { background: var(--green-800); color: #fff; }
.btn--ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn--ghost-light:hover { background: #fff; color: var(--green-900); border-color: #fff; }
.btn--block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: .9rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92); backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .85rem 0; }
.brand { display: flex; align-items: center; gap: .65rem; }
.brand__mark {
  width: 42px; height: 42px; border-radius: 10px;
  background: linear-gradient(145deg, var(--green-800), var(--green-600));
  color: var(--gold); display: grid; place-items: center; font-weight: 800; font-size: 1.1rem;
  box-shadow: var(--shadow-sm);
}
.brand__name { display: flex; flex-direction: column; line-height: 1.1; }
.brand__name b { color: var(--green-800); font-size: 1.05rem; letter-spacing: -.01em; }
.brand__name span { font-size: .72rem; color: var(--text-muted); letter-spacing: .04em; }

/* Brand logo image (white-on-black logo presented on a clean dark plate so it
   reads on both the light header and the dark footer). Falls back to the text
   wordmark via .is-missing if logo.png is not present yet. */
.brand__logo {
  height: 54px; width: auto; display: block; box-sizing: border-box;
  background: #000; padding: 6px 12px; border-radius: 8px;
}
.brand__logo--footer { height: 58px; }
.brand__fallback { display: none; }
.brand__logo.is-missing { display: none; }
.brand__logo.is-missing + .brand__fallback { display: flex; }

.nav__links { display: flex; align-items: center; gap: .25rem; list-style: none; margin: 0; padding: 0; }
.nav__links a {
  display: inline-block; padding: .55rem .8rem; border-radius: var(--radius-sm);
  color: var(--ink); font-weight: 600; font-size: .96rem;
}
.nav__links a:hover, .nav__links a[aria-current="page"] { color: var(--green-700); background: var(--mist); }
.nav__actions { display: flex; align-items: center; gap: .65rem; }

.lang-toggle { display: inline-flex; align-items: center; gap: .35rem; font-size: .9rem; font-weight: 700; }
.lang-toggle a { padding: .35rem .55rem; border-radius: 6px; color: var(--text-muted); }
.lang-toggle a.is-active { color: var(--green-800); background: var(--mist); }
.lang-toggle span { color: var(--line); }

.nav__toggle {
  display: none; background: none; border: 0; cursor: pointer; padding: .5rem;
  width: 44px; height: 44px;
}
.nav__toggle span, .nav__toggle span::before, .nav__toggle span::after {
  content: ""; display: block; width: 24px; height: 2px; background: var(--green-800);
  position: relative; transition: var(--transition);
}
.nav__toggle span::before { position: absolute; top: -7px; }
.nav__toggle span::after { position: absolute; top: 7px; }
.nav.is-open .nav__toggle span { background: transparent; }
.nav.is-open .nav__toggle span::before { top: 0; transform: rotate(45deg); }
.nav.is-open .nav__toggle span::after { top: 0; transform: rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative; color: var(--on-dark); overflow: hidden;
  background:
    radial-gradient(1200px 600px at 80% -10%, rgba(197,162,73,.16), transparent 60%),
    linear-gradient(160deg, var(--green-900) 0%, var(--green-800) 55%, var(--green-700) 100%);
}
.hero__inner { padding: clamp(3.5rem, 9vw, 6.5rem) 0; max-width: 760px; }
.hero h1 { color: #fff; margin-bottom: 1rem; }
.hero .lead { color: var(--on-dark); font-size: 1.2rem; max-width: 620px; }
.hero .btn-row { margin-top: 2rem; }
.hero__trust {
  margin-top: 2.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.14);
  display: flex; flex-wrap: wrap; gap: 1.25rem 2rem; font-size: .9rem; color: var(--on-dark-muted);
}
.hero__trust b { color: var(--gold-soft); font-weight: 700; }

/* ---------- Cards / Grids ---------- */
.grid { display: grid; gap: 1.5rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; box-shadow: var(--shadow-sm); transition: transform var(--transition), box-shadow var(--transition);
  height: 100%;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card h3 { margin-bottom: .5rem; }
.card p { color: var(--text-muted); margin-bottom: 0; font-size: .98rem; }
.card__icon {
  width: 48px; height: 48px; border-radius: 12px; margin-bottom: 1rem;
  background: var(--mist); color: var(--green-700); display: grid; place-items: center;
  font-size: 1.4rem; border: 1px solid var(--line);
}
.card--link { display: flex; flex-direction: column; }
.card--link .card__more { margin-top: auto; padding-top: 1rem; font-weight: 700; color: var(--green-700); font-size: .95rem; }
.card--link:hover .card__more { color: var(--gold); }

/* Numbered steps */
.steps { counter-reset: step; }
.step { position: relative; padding-inline-start: 3.5rem; }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; inset-inline-start: 0; top: 0;
  width: 2.4rem; height: 2.4rem; border-radius: 50%;
  background: var(--green-800); color: var(--gold); font-weight: 800;
  display: grid; place-items: center;
}

/* ---------- Feature / split ---------- */
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: center; }
.media-frame {
  background: linear-gradient(160deg, var(--green-800), var(--green-600));
  border-radius: var(--radius); aspect-ratio: 4/3; display: grid; place-items: center;
  color: var(--on-dark-muted); text-align: center; padding: 2rem; box-shadow: var(--shadow-md);
}
.headshot-frame {
  background: var(--mist); border: 1px dashed var(--green-600); border-radius: var(--radius);
  aspect-ratio: 1/1; display: grid; place-items: center; color: var(--text-muted);
  text-align: center; padding: 2rem;
}

/* List with check marks */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-inline-start: 1.9rem; margin-bottom: .7rem; color: var(--text); }
.check-list li::before {
  content: "✓"; position: absolute; inset-inline-start: 0; top: 0;
  color: var(--gold); font-weight: 800;
}

/* ---------- Placeholder modules (future system) ---------- */
.placeholder-grid { display: grid; gap: 1.25rem; grid-template-columns: repeat(2, 1fr); }
.placeholder {
  border: 1px dashed var(--green-600); border-radius: var(--radius);
  padding: 1.5rem; background: var(--cloud); position: relative;
}
.placeholder .tag {
  display: inline-block; font-size: .7rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  color: var(--green-700); background: var(--mist); border: 1px solid var(--line);
  padding: .25rem .6rem; border-radius: 999px; margin-bottom: .8rem;
}
.placeholder h3 { font-size: 1.1rem; margin-bottom: .35rem; }
.placeholder p { color: var(--text-muted); font-size: .92rem; margin-bottom: 1rem; }
.placeholder .btn[disabled],
.placeholder .btn[aria-disabled="true"] { opacity: .6; cursor: not-allowed; pointer-events: none; }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; align-items: start; }
.calc__form { display: grid; gap: 1.1rem; }
.field label { display: block; font-weight: 700; font-size: .92rem; margin-bottom: .4rem; color: var(--ink); }
.field input, .field select {
  width: 100%; font-family: inherit; font-size: 1rem; padding: .8rem .9rem;
  border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus { border-color: var(--green-600); outline: none; box-shadow: 0 0 0 3px rgba(28,107,80,.12); }
.calc__result {
  background: var(--green-900); color: #fff; border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow-md);
}
.calc__result .amount { font-size: clamp(2rem, 5vw, 2.8rem); font-weight: 800; color: var(--gold); margin: .25rem 0 .5rem; }
.calc__result .row { display: flex; justify-content: space-between; padding: .6rem 0; border-top: 1px solid rgba(255,255,255,.12); font-size: .95rem; color: var(--on-dark); }
.calc__result .row span:last-child { font-weight: 700; color: #fff; }

/* ---------- FAQ ---------- */
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%; text-align: start; background: none; border: 0; cursor: pointer;
  font-family: inherit; font-size: 1.05rem; font-weight: 700; color: var(--heading);
  padding: 1.1rem 2.5rem 1.1rem 0; position: relative;
}
.faq__q::after { content: "+"; position: absolute; inset-inline-end: 0; top: 1rem; color: var(--gold); font-size: 1.4rem; transition: var(--transition); }
.faq__q[aria-expanded="true"]::after { transform: rotate(45deg); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height var(--transition); }
.faq__a p { padding-bottom: 1.1rem; color: var(--text-muted); margin: 0; }

/* ---------- Disclaimer / compliance ---------- */
.disclaimer {
  font-size: .85rem; color: var(--text-muted); background: var(--mist);
  border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 1rem 1.2rem; line-height: 1.55;
}
.disclaimer strong { color: var(--ink); }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(800px 400px at 15% 120%, rgba(197,162,73,.18), transparent 60%),
    linear-gradient(120deg, var(--green-800), var(--green-700));
  color: #fff; border-radius: var(--radius); padding: clamp(2.5rem, 5vw, 4rem); text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: var(--on-dark); max-width: 560px; margin-inline: auto; }
.cta-band .btn-row { justify-content: center; margin-top: 1.5rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--green-900); color: var(--on-dark-muted); padding: 3.5rem 0 2rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2rem; }
.site-footer h4 { color: #fff; font-size: .95rem; letter-spacing: .04em; text-transform: uppercase; margin-bottom: 1rem; }
.site-footer a { color: var(--on-dark-muted); display: block; padding: .25rem 0; }
.site-footer a:hover { color: var(--gold); }
.footer-brand p { color: var(--on-dark-muted); font-size: .92rem; }
.footer-bottom {
  margin-top: 2.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.12);
  display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; font-size: .82rem; color: var(--on-dark-muted);
}
.footer-legal { max-width: 760px; font-size: .78rem; line-height: 1.6; margin-top: 1rem; color: #8aa093; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.stack > * + * { margin-top: 1rem; }
.tag-inline { color: var(--gold); font-weight: 700; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .split, .calc { grid-template-columns: 1fr; gap: 2rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .nav__toggle { display: block; }
  .nav__links {
    position: absolute; top: 100%; inset-inline: 0; flex-direction: column; align-items: stretch;
    background: #fff; border-bottom: 1px solid var(--line); padding: .75rem 1.25rem 1.25rem;
    gap: .15rem; box-shadow: var(--shadow-md); display: none;
  }
  .nav.is-open .nav__links { display: flex; }
  .nav__links a { padding: .8rem .6rem; border-radius: var(--radius-sm); }
  .nav__actions .btn { display: none; }
  .nav.is-open .nav__actions .btn { display: inline-flex; }
  .grid--2, .grid--3, .grid--4, .placeholder-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  body { font-size: 16px; }
  .brand__logo { height: 42px; padding: 5px 9px; }
  .brand__logo--footer { height: 50px; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; }
}

/* ---------- Home hero: executive portrait split (home page only) ---------- */
.hero--portrait .container {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
  padding-top: clamp(3rem, 7vw, 5rem);
  padding-bottom: clamp(3rem, 7vw, 5rem);
}
.hero--portrait .hero__inner { padding: 0; max-width: 600px; }
.hero__portrait { margin: 0; }
.hero__portrait img {
  display: block; width: 100%; height: auto;
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
}
@media (max-width: 860px) {
  .hero--portrait .container { grid-template-columns: 1fr; gap: 1.75rem; }
  .hero--portrait .hero__portrait { order: -1; width: 100%; max-width: 360px; margin-inline: auto; }
}

/* ---------- About: executive headshot ---------- */
.about-portrait {
  display: block; width: 100%; height: auto;
  border-radius: var(--radius); box-shadow: var(--shadow-md);
}