/* Michael Duncan — USA Mortgage | shared stylesheet */

:root {
  --navy: #06253E;
  --navy-soft: #0E3357;
  --blue: #2470BA;
  --gold: #F7A91A;
  --gold-dark: #C97F00;
  --gray: #4A5562;
  --bg-light: #F5F8FA;
  --white: #FFFFFF;
  --border: #DCE3E8;
  --radius: 10px;
  --max-width: 1120px;
  --focus-ring: 3px solid #C97F00;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--navy);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--blue); }
a:hover { color: var(--navy); }

a:focus-visible,
button:focus-visible,
input:focus-visible,
textarea:focus-visible {
  outline: var(--focus-ring);
  outline-offset: 2px;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.sr-only { position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0; }

/* Skip link */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: var(--white);
  padding: 12px 20px;
  z-index: 1000;
  border-radius: 0 0 8px 0;
  font-weight: 600;
  text-decoration: none;
}
.skip-link:focus {
  left: 0;
}

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  padding: 16px 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.brand-mark {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold);
  flex-shrink: 0;
}
.brand-text { line-height: 1.2; }
.brand-name { font-weight: 700; font-size: 1.05rem; color: var(--navy); }
.brand-sub { font-size: 0.78rem; color: var(--gray); }

.main-nav ul {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}
.main-nav a {
  text-decoration: none;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.98rem;
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
}
.main-nav a:hover,
.main-nav a[aria-current="page"] {
  border-bottom-color: var(--gold);
}

.header-ctas {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.phone-cta {
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  white-space: nowrap;
}
.phone-cta:hover { color: var(--blue); }

/* Buttons */
.btn {
  display: inline-block;
  padding: 13px 24px;
  border-radius: 8px;
  font-weight: 700;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  font-size: 1rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold-dark); color: var(--navy); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-block { display: block; width: 100%; text-align: center; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  color: var(--white);
  padding: 72px 0 80px;
}
@media (min-width: 861px) {
  .hero {
    background:
      linear-gradient(135deg, rgba(6,37,62,0.88) 0%, rgba(14,51,87,0.88) 100%),
      url("assets/hero-street-1600.webp") center / cover no-repeat;
  }
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: center;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gold);
  margin: 0 0 14px;
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 2.85rem);
  line-height: 1.15;
  margin: 0 0 18px;
}
.hero p.lede {
  font-size: 1.15rem;
  color: #D7E2EC;
  max-width: 44ch;
  margin: 0 0 30px;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-photo {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 20px 48px rgba(0,0,0,0.35);
  border: 4px solid rgba(255,255,255,0.12);
}
.hero-photo img, .hero-photo picture { width: 100%; height: auto; display: block; }

/* Sections */
section { padding: 64px 0; }
.section-alt { background: var(--bg-light); }
h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  margin: 0 0 14px;
}
.section-intro { color: var(--gray); max-width: 60ch; margin: 0 0 36px; font-size: 1.05rem; }

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
}
.card h3 { margin: 0 0 10px; font-size: 1.15rem; }
.card p { margin: 0; color: var(--gray); }

.pain-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 14px;
}
.pain-list li {
  position: relative;
  padding-left: 30px;
  color: var(--gray);
  font-size: 1.03rem;
}
.pain-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--gold);
}

/* Stat tiles (reputation) */
.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.stat-tile {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  text-align: center;
}
.stat-num { font-size: 2rem; font-weight: 800; color: var(--navy); line-height: 1; }
.stat-label { color: var(--gray); font-size: 0.92rem; margin-top: 8px; }
.stat-tile a { font-size: 0.88rem; }

/* Trust band (combined review headline) */
.trust-band {
  background: var(--gold);
  padding: 40px 0;
}
.trust-band-eyebrow {
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-weight: 800;
  font-size: 0.85rem;
  color: var(--navy);
  text-align: center;
  margin: 0 0 18px;
}
.trust-stats-row {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}
.trust-stat { padding: 6px 36px; text-align: center; }
.trust-num {
  display: block;
  font-size: clamp(2.4rem, 6vw, 3.75rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -0.5px;
}
.trust-label {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 8px;
}
.trust-divider {
  width: 2px;
  height: 64px;
  background: rgba(6, 37, 62, 0.25);
  flex-shrink: 0;
}

/* Testimonials */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin: 0 0 40px;
}
.testimonial {
  margin: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  flex-direction: column;
}
.testimonial-stars {
  color: var(--gold-dark);
  font-size: 1rem;
  letter-spacing: 2px;
  margin-bottom: 14px;
}
.testimonial-quote {
  margin: 0 0 18px;
  color: var(--navy);
  font-size: 1.02rem;
  line-height: 1.6;
  flex-grow: 1;
}
.testimonial-attribution { font-weight: 700; font-size: 0.92rem; color: var(--navy); }
.testimonial-platform { font-size: 0.82rem; color: var(--gray); margin-top: 2px; }

/* Section photos */
.section-photo {
  margin: 0 0 36px;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
}
.section-photo img { width: 100%; height: auto; display: block; }
.section-photo--about { margin: 0; }

/* Callout */
.callout {
  border-left: 4px solid var(--gold);
  background: var(--bg-light);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 22px 26px;
  margin: 28px 0;
}
.callout p { margin: 0; color: var(--navy); }
.callout strong { color: var(--navy); }

/* CTA band */
.cta-band {
  background:
    linear-gradient(rgba(6,37,62,0.86), rgba(6,37,62,0.86)),
    url("assets/ozarks-dusk-1600.webp") center / cover no-repeat;
  color: var(--white);
  text-align: center;
  padding: 64px 0;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: #D7E2EC; margin: 0 0 28px; }

/* Form */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
form.contact-form {
  display: grid;
  gap: 18px;
}
.field { display: grid; gap: 6px; }
.field label { font-weight: 600; font-size: 0.95rem; }
.field .hint { font-weight: 400; color: var(--gray); font-size: 0.85rem; }
.field input,
.field textarea,
.field select {
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--navy);
  background: var(--white);
}
.field input:focus,
.field textarea:focus,
.field select:focus {
  outline: var(--focus-ring);
  outline-offset: 1px;
  border-color: var(--blue);
}
.required-mark { color: var(--gold-dark); }
fieldset { border: none; padding: 0; margin: 0; }

.map-wrap {
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
}
.map-wrap iframe { width: 100%; height: 320px; border: 0; display: block; }

.contact-info-list {
  list-style: none;
  margin: 24px 0 0;
  padding: 0;
  display: grid;
  gap: 16px;
}
.contact-info-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 1.02rem;
}
.contact-info-list .label {
  font-weight: 700;
  color: var(--navy);
  min-width: 90px;
}

/* About page bits */
.about-hero {
  display: grid;
  grid-template-columns: 0.7fr 1.3fr;
  gap: 40px;
  align-items: start;
}
.about-photo img {
  width: 100%;
  height: auto;
  border-radius: var(--radius);
  border: 1px solid var(--border);
}
.prose { max-width: 760px; }
.prose p { margin: 0 0 16px; }

/* FAQ */
.faq-list { margin: 0; display: grid; gap: 22px; max-width: 760px; }
.faq-list dt { font-weight: 700; font-size: 1.08rem; color: var(--navy); }
.faq-list dd { margin: 6px 0 0; color: var(--gray); }

/* Proof next to the contact form */
.contact-proof {
  margin-top: 28px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 24px;
  background: var(--bg-light);
}
.contact-proof-stats { font-weight: 800; color: var(--navy); font-size: 1.05rem; margin: 0 0 12px; }
.contact-proof blockquote { margin: 0; color: var(--navy); }
.contact-proof cite { display: block; margin-top: 8px; font-style: normal; font-size: 0.85rem; color: var(--gray); }
.form-next { margin: 4px 0 0; font-size: 0.92rem; color: var(--gray); }
.about-credentials {
  list-style: none;
  margin: 18px 0 0;
  padding: 16px 0 0;
  border-top: 1px solid var(--border);
  display: grid;
  gap: 10px;
}
.about-credentials li {
  font-size: 0.92rem;
  color: var(--gray);
}
.about-credentials strong { display: block; color: var(--navy); font-size: 0.95rem; }
.about-credentials span { display: block; margin-top: 1px; }
.nickname-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.85rem;
  padding: 5px 12px;
  border-radius: 999px;
  margin: 10px 0 0;
}
.timeline { display: grid; gap: 20px; }
.timeline-item { display: grid; grid-template-columns: 110px 1fr; gap: 18px; }
.timeline-year { font-weight: 800; color: var(--blue); }

/* Footer */
.site-footer {
  background: var(--navy);
  color: #C7D4E0;
  padding: 48px 0 28px;
  font-size: 0.92rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 0.8fr;
  gap: 32px;
  margin-bottom: 28px;
}
.site-footer .footer-heading {
  color: var(--white);
  font-size: 0.95rem;
  margin: 0 0 12px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
.site-footer a { color: #C7D4E0; }
.site-footer a:hover { color: var(--white); }
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-logo-row {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}
.footer-logo-row img { height: 28px; width: auto; background: var(--white); padding: 4px 8px; border-radius: 4px; }
.eho {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 10px;
  color: #C7D4E0;
}
.eho svg, .eho img { flex-shrink: 0; }
.legal-fine {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 22px;
  font-size: 0.9rem;
  color: #C7D4E0;
  line-height: 1.6;
}
.legal-fine a { color: #C7D4E0; }
.two-tall-credit {
  margin-top: 14px;
  font-size: 0.9rem;
  color: #C7D4E0;
}
.two-tall-credit a { color: #C7D4E0; text-decoration: underline; }

/* Responsive */
@media (max-width: 860px) {
  .hero-inner,
  .grid-2,
  .about-hero,
  .contact-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .hero-photo { max-width: 320px; margin: 0 auto; }
  .grid-3 { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .trust-divider { display: none; }
  .trust-stat { padding: 10px 24px; }
  .header-inner { flex-direction: column; align-items: flex-start; }
  .main-nav ul { gap: 18px; }
  .about-photo { max-width: 260px; margin: 0 auto; }
}

/* Staging banner (removed at launch) */
.staging-banner {
  background: #FFF4D6;
  color: #6B4A00;
  text-align: center;
  font-size: 0.88rem;
  padding: 8px 16px;
  border-bottom: 1px solid #F0D27A;
}