/* ==========================================================================
   MORTGAGE LENDING UTAH — DESIGN SYSTEM
   Restrained, modern financial-advisory palette: deep burgundy, charcoal,
   warm whites, muted neutrals. System font stack only (no external fonts —
   this environment cannot reach Google Fonts/CDNs, and system fonts render
   fast + native on every device anyway).
   ========================================================================== */

:root {
  /* ---- Color tokens ---- */
  --color-burgundy-900: #3d1220;
  --color-burgundy-800: #501a29;
  --color-burgundy-700: #6f2439;
  --color-burgundy-600: #843050;
  --color-burgundy-100: #f4e6ea;
  --color-burgundy-50: #faf2f4;

  --color-charcoal-900: #1c1b1e;
  --color-charcoal-700: #3a383d;
  --color-charcoal-500: #625f66;
  --color-charcoal-300: #9a969e;
  --color-charcoal-100: #e7e4e6;

  --color-cream: #faf8f5;
  --color-warm-white: #fffdfb;
  --color-white: #ffffff;
  --color-line: #e6e1da;
  --color-line-strong: #d8d1c6;

  --color-success-bg: #eef4ec;
  --color-success-text: #2f5233;
  --color-warning-bg: #fbf3e6;
  --color-warning-text: #6b4a19;
  --color-info-bg: #eef2f5;
  --color-info-text: #2c4256;

  --color-ink: #201f22;
  --color-ink-soft: #4b484e;
  --color-ink-muted: #726e75;

  /* ---- Typography ---- */
  --font-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji";
  --font-serif: Georgia, "Iowan Old Style", "Palatino Linotype", "URW Palladio L", serif;

  /* ---- Spacing scale ---- */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.5rem;
  --space-6: 2rem;
  --space-7: 3rem;
  --space-8: 4rem;
  --space-9: 6rem;
  --space-10: 8rem;

  /* ---- Radii / shadow ---- */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(32, 31, 34, 0.06), 0 1px 1px rgba(32, 31, 34, 0.04);
  --shadow-md: 0 8px 24px rgba(32, 31, 34, 0.08), 0 2px 6px rgba(32, 31, 34, 0.06);
  --shadow-lg: 0 20px 48px rgba(32, 31, 34, 0.12), 0 6px 16px rgba(32, 31, 34, 0.06);

  --max-width: 1180px;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--color-ink);
  background: var(--color-warm-white);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; }
button { font-family: inherit; }
h1, h2, h3, h4, h5, p, figure { margin: 0; }

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

/* ---- Typography scale ---- */
h1, .h1 { font-size: clamp(2.1rem, 4vw + 1rem, 3.4rem); line-height: 1.08; font-weight: 700; letter-spacing: -0.02em; color: var(--color-charcoal-900); }
h2, .h2 { font-size: clamp(1.6rem, 2.2vw + 1rem, 2.3rem); line-height: 1.15; font-weight: 700; letter-spacing: -0.015em; color: var(--color-charcoal-900); }
h3, .h3 { font-size: 1.35rem; line-height: 1.3; font-weight: 700; color: var(--color-charcoal-900); }
h4, .h4 { font-size: 1.1rem; line-height: 1.4; font-weight: 700; color: var(--color-charcoal-900); }
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-burgundy-700);
  margin-bottom: var(--space-3);
}
.lede { font-size: 1.2rem; color: var(--color-ink-soft); line-height: 1.55; }
.text-muted { color: var(--color-ink-muted); }
.text-sm { font-size: 0.92rem; }
.text-center { text-align: center; }

/* ---- Layout helpers ---- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--space-5);
}
.section { padding: var(--space-9) 0; }
.section-sm { padding: var(--space-7) 0; }
.section--cream { background: var(--color-cream); }
.section--charcoal { background: var(--color-charcoal-900); color: var(--color-white); }
.section--charcoal h2, .section--charcoal h3 { color: var(--color-white); }
.section--burgundy { background: linear-gradient(155deg, var(--color-burgundy-900), var(--color-burgundy-700)); color: var(--color-white); }
.section--burgundy h2, .section--burgundy h3 { color: var(--color-white); }
.section--bordered { border-top: 1px solid var(--color-line); }

.stack { display: flex; flex-direction: column; }
.gap-2 { gap: var(--space-2); }
.gap-3 { gap: var(--space-3); }
.gap-4 { gap: var(--space-4); }
.gap-5 { gap: var(--space-5); }
.gap-6 { gap: var(--space-6); }

.grid { display: grid; gap: var(--space-6); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); }

.flex { display: flex; }
.flex-wrap { flex-wrap: wrap; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  font-weight: 700;
  font-size: 1rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background-color 0.15s ease, color 0.15s ease, border-color 0.15s ease;
  line-height: 1.2;
  white-space: nowrap;
}
.btn:focus-visible { outline: 3px solid var(--color-burgundy-600); outline-offset: 2px; }
.btn-primary { background: var(--color-burgundy-700); color: var(--color-white); }
.btn-primary:hover { background: var(--color-burgundy-800); box-shadow: var(--shadow-md); transform: translateY(-1px); }
.btn-secondary { background: transparent; color: var(--color-charcoal-900); border-color: var(--color-charcoal-900); }
.btn-secondary:hover { background: var(--color-charcoal-900); color: var(--color-white); }
.btn-onburgundy { background: var(--color-white); color: var(--color-burgundy-800); }
.btn-onburgundy:hover { background: var(--color-cream); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--color-burgundy-700); border-color: var(--color-burgundy-100); }
.btn-ghost:hover { background: var(--color-burgundy-50); }
.btn-block { width: 100%; }
.btn-lg { padding: 1.05rem 2rem; font-size: 1.08rem; }
.btn-sm { padding: 0.55rem 1.1rem; font-size: 0.9rem; }

.cta-row { display: flex; flex-wrap: wrap; gap: var(--space-4); align-items: center; }

/* ---- Cards ---- */
.card {
  background: var(--color-white);
  border: 1px solid var(--color-line);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.card:hover { box-shadow: var(--shadow-md); }
.card--link { display: block; }
.card--link:hover { transform: translateY(-2px); }
.card-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--color-burgundy-100);
  color: var(--color-burgundy-700);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: var(--space-4);
  font-weight: 700;
}
.card h3 { margin-bottom: var(--space-2); }
.card p { color: var(--color-ink-soft); }
.card--flush { padding: 0; overflow: hidden; }

/* ---- Badges / Alerts ---- */
.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.35rem 0.85rem;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 700;
  background: var(--color-burgundy-100);
  color: var(--color-burgundy-800);
}
.badge--outline { background: transparent; border: 1.5px solid currentColor; }
.badge--neutral { background: var(--color-charcoal-100); color: var(--color-charcoal-700); }

.alert {
  border-radius: var(--radius-md);
  padding: var(--space-5);
  border: 1px solid var(--color-line);
  font-size: 0.95rem;
}
.alert-info { background: var(--color-info-bg); color: var(--color-info-text); border-color: #d5e0e7; }
.alert-warning { background: var(--color-warning-bg); color: var(--color-warning-text); border-color: #eeddb8; }
.alert-success { background: var(--color-success-bg); color: var(--color-success-text); border-color: #cfe1d0; }
.alert-compliance {
  background: repeating-linear-gradient(135deg, #fff7e6, #fff7e6 10px, #fdefd0 10px, #fdefd0 20px);
  border: 1.5px dashed #c99a2e;
  color: #6b4a19;
  font-weight: 600;
}
.disclaimer { font-size: 0.85rem; color: var(--color-ink-muted); line-height: 1.55; }

/* ---- Header / Nav ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 253, 251, 0.92);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--color-line);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; min-height: 76px; padding-top: var(--space-2); padding-bottom: var(--space-2); }
.brand { display: flex; align-items: center; gap: var(--space-3); font-weight: 800; font-size: 1.15rem; color: var(--color-charcoal-900); flex-shrink: 0; white-space: nowrap; }
.site-header .container { flex-wrap: nowrap; }
.main-nav ul { flex-wrap: nowrap; }
.brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--color-burgundy-700);
  color: var(--color-white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1rem;
}
.brand-sub { display: block; font-size: 0.72rem; font-weight: 500; color: var(--color-ink-muted); letter-spacing: 0.02em; }

.main-nav { display: none; }
.main-nav ul { display: flex; gap: var(--space-4); list-style: none; align-items: center; }
.main-nav a { display: block; white-space: nowrap; font-weight: 600; font-size: 0.88rem; color: var(--color-charcoal-700); padding: var(--space-2) 0; position: relative; }
.main-nav a:hover { color: var(--color-burgundy-700); }
.has-dropdown { position: relative; }
.dropdown {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  background: var(--color-white); border: 1px solid var(--color-line);
  border-radius: var(--radius-md); box-shadow: var(--shadow-lg);
  padding: var(--space-3); min-width: 240px;
  display: none; flex-direction: column; gap: 2px;
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { display: flex; }
.dropdown a { padding: var(--space-2) var(--space-3); border-radius: var(--radius-sm); font-size: 0.9rem; }
.dropdown a:hover { background: var(--color-burgundy-50); }

.header-cta { display: none; }
.header-actions { display: flex; align-items: center; gap: var(--space-3); }

.nav-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 10px;
  border: 1px solid var(--color-line-strong); background: var(--color-white);
}
.mobile-nav {
  display: none;
  position: fixed; inset: 76px 0 0 0; z-index: 49;
  background: var(--color-warm-white);
  overflow-y: auto;
  padding: var(--space-6) var(--space-5) var(--space-9);
}
.mobile-nav.is-open { display: block; }
.mobile-nav details { border-bottom: 1px solid var(--color-line); padding: var(--space-3) 0; }
.mobile-nav summary { font-weight: 700; font-size: 1.05rem; cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav summary::after { content: "+"; font-size: 1.3rem; color: var(--color-burgundy-700); }
.mobile-nav details[open] summary::after { content: "\2212"; }
.mobile-nav > a { display: block; padding: var(--space-3) 0; border-bottom: 1px solid var(--color-line); font-weight: 700; font-size: 1.05rem; }
.mobile-nav .sublink { display: block; padding: var(--space-2) 0 var(--space-2) var(--space-3); color: var(--color-ink-soft); }
.mobile-cta { margin-top: var(--space-6); display: flex; flex-direction: column; gap: var(--space-3); }

@media (min-width: 1180px) {
  .main-nav { display: block; }
  .header-cta { display: inline-flex; }
  .nav-toggle { display: none; }
}

/* ---- Hero ---- */
.hero { padding: var(--space-9) 0 var(--space-8); position: relative; overflow: hidden; }
.hero-grid { display: grid; gap: var(--space-8); align-items: center; }
.hero-figures { display: flex; flex-wrap: wrap; gap: var(--space-3); margin: var(--space-6) 0; }
.hero-figure {
  background: var(--color-white); border: 1px solid var(--color-line);
  border-radius: var(--radius-md); padding: var(--space-4) var(--space-5);
  font-weight: 700; color: var(--color-charcoal-900); box-shadow: var(--shadow-sm);
  flex: 1 1 140px;
}
.hero-figure span { display: block; font-weight: 500; font-size: 0.8rem; color: var(--color-ink-muted); margin-top: 2px; }
.hero-art {
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, var(--color-burgundy-800), var(--color-charcoal-900));
  min-height: 320px;
  display: flex; align-items: flex-end;
  padding: var(--space-6);
  color: var(--color-white);
  position: relative;
  overflow: hidden;
}
.hero-art::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 20%, rgba(255,255,255,0.14), transparent 55%);
}
.hero-art-peaks {
  position: absolute; left: -5%; right: -5%; bottom: 0; height: 46%;
  background: rgba(255,255,255,0.07);
  clip-path: polygon(0% 100%, 0% 55%, 14% 30%, 24% 48%, 38% 18%, 52% 46%, 64% 26%, 78% 50%, 90% 34%, 100% 55%, 100% 100%);
}
.hero-art-peaks::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: 0; top: 22%;
  background: rgba(255,255,255,0.05);
  clip-path: polygon(0% 100%, 0% 70%, 18% 44%, 34% 62%, 50% 36%, 68% 64%, 82% 42%, 100% 66%, 100% 100%);
}
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.1fr 0.9fr; }
}

/* ---- FAQ ---- */
.faq-item { border-bottom: 1px solid var(--color-line); padding: var(--space-5) 0; }
.faq-item summary { font-weight: 700; font-size: 1.05rem; cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: var(--space-4); align-items: center; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-size: 1.4rem; color: var(--color-burgundy-700); flex-shrink: 0; }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { margin-top: var(--space-3); color: var(--color-ink-soft); }

/* ---- Steps ---- */
.steps { counter-reset: step; display: flex; flex-direction: column; gap: 0; }
.step { display: grid; grid-template-columns: 56px 1fr; gap: var(--space-5); padding: var(--space-6) 0; border-bottom: 1px solid var(--color-line); }
.step:last-child { border-bottom: none; }
.step-num {
  counter-increment: step;
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--color-burgundy-700); color: var(--color-white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.15rem;
}
.step-num::before { content: counter(step); }

/* ---- Forms ---- */
.form-field { display: flex; flex-direction: column; gap: var(--space-2); margin-bottom: var(--space-5); }
.form-field label { font-weight: 700; font-size: 0.92rem; color: var(--color-charcoal-900); }
.form-hint { font-size: 0.82rem; color: var(--color-ink-muted); }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea {
  font-family: inherit; font-size: 1rem;
  padding: 0.8rem 1rem;
  border: 1.5px solid var(--color-line-strong);
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-ink);
  width: 100%;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--color-burgundy-600); box-shadow: 0 0 0 3px var(--color-burgundy-100); }
.form-row { display: grid; gap: var(--space-4); grid-template-columns: 1fr; }
@media (min-width: 640px) { .form-row-2 { grid-template-columns: 1fr 1fr; } }
.choice-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(140px, 1fr)); gap: var(--space-3); }
.choice-card {
  border: 1.5px solid var(--color-line-strong); border-radius: var(--radius-md);
  padding: var(--space-4); text-align: center; cursor: pointer; font-weight: 700;
  background: var(--color-white); transition: border-color .15s, background .15s;
}
.choice-card:hover { border-color: var(--color-burgundy-600); }
.choice-card.is-selected { border-color: var(--color-burgundy-700); background: var(--color-burgundy-50); color: var(--color-burgundy-800); }
.choice-card input { position: absolute; opacity: 0; pointer-events: none; }

/* ---- Calculator ---- */
.calc-shell { display: grid; gap: var(--space-6); }
@media (min-width: 900px) { .calc-shell { grid-template-columns: 1fr 1fr; } }
.calc-inputs { background: var(--color-white); border: 1px solid var(--color-line); border-radius: var(--radius-lg); padding: var(--space-6); box-shadow: var(--shadow-sm); }
.calc-results { background: var(--color-charcoal-900); color: var(--color-white); border-radius: var(--radius-lg); padding: var(--space-6); }
.calc-result-figure { font-size: 2.4rem; font-weight: 800; letter-spacing: -0.02em; }
.calc-result-label { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.05em; color: rgba(255,255,255,0.65); }
.calc-breakdown { display: flex; flex-direction: column; gap: var(--space-2); margin-top: var(--space-5); padding-top: var(--space-5); border-top: 1px solid rgba(255,255,255,0.15); }
.calc-breakdown-row { display: flex; justify-content: space-between; font-size: 0.92rem; }
.range-value { font-weight: 800; color: var(--color-burgundy-700); }

/* ---- Progress (readiness assessment) ---- */
.progress-track { height: 6px; background: var(--color-line); border-radius: 999px; overflow: hidden; margin-bottom: var(--space-6); }
.progress-fill { height: 100%; background: var(--color-burgundy-700); border-radius: 999px; transition: width .3s ease; width: 0%; }
.assessment-step { display: none; }
.assessment-step.is-active { display: block; }
.assessment-nav { display: flex; justify-content: space-between; margin-top: var(--space-6); gap: var(--space-3); }

/* ---- Footer ---- */
.site-footer { background: var(--color-charcoal-900); color: rgba(255,255,255,0.82); padding: var(--space-8) 0 var(--space-6); }
.footer-grid { display: grid; gap: var(--space-6); grid-template-columns: 1fr; margin-bottom: var(--space-7); }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-grid h4 { color: var(--color-white); margin-bottom: var(--space-3); font-size: 0.95rem; }
.footer-grid a { display: block; padding: var(--space-1) 0; color: rgba(255,255,255,0.72); font-size: 0.92rem; }
.footer-grid a:hover { color: var(--color-white); }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.14); padding-top: var(--space-6); font-size: 0.82rem; color: rgba(255,255,255,0.55); line-height: 1.7; }
.footer-legal a { color: rgba(255,255,255,0.75); }
.footer-bottom { display: flex; flex-wrap: wrap; gap: var(--space-4); justify-content: space-between; margin-top: var(--space-5); font-size: 0.82rem; color: rgba(255,255,255,0.5); }

/* ---- Misc utility ---- */
.mt-0 { margin-top: 0; } .mt-2 { margin-top: var(--space-2); } .mt-4 { margin-top: var(--space-4); } .mt-6 { margin-top: var(--space-6); } .mt-8 { margin-top: var(--space-8); }
.mb-2 { margin-bottom: var(--space-2); } .mb-4 { margin-bottom: var(--space-4); } .mb-6 { margin-bottom: var(--space-6); } .mb-8 { margin-bottom: var(--space-8); }
.max-w-prose { max-width: 68ch; }
.mx-auto { margin-left: auto; margin-right: auto; }
.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 {
  position: absolute; left: -999px; top: 0; background: var(--color-burgundy-700); color: white;
  padding: var(--space-3) var(--space-5); z-index: 100; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }
.divider { height: 1px; background: var(--color-line); border: none; margin: var(--space-7) 0; }
.video-frame {
  position: relative; padding-top: 56.25%; background: var(--color-charcoal-100);
  border-radius: var(--radius-lg); overflow: hidden;
}
.video-frame iframe, .video-frame .video-placeholder {
  position: absolute; inset: 0; width: 100%; height: 100%; border: 0;
}
.video-placeholder { display: flex; align-items: center; justify-content: center; color: var(--color-ink-muted); font-weight: 600; background: var(--color-charcoal-100); }
.article-meta { display: flex; gap: var(--space-3); align-items: center; font-size: 0.85rem; color: var(--color-ink-muted); margin-bottom: var(--space-3); }
.tag-row { display: flex; flex-wrap: wrap; gap: var(--space-2); }
table.simple-table { width: 100%; border-collapse: collapse; margin: var(--space-5) 0; }
table.simple-table th, table.simple-table td { text-align: left; padding: var(--space-3) var(--space-4); border-bottom: 1px solid var(--color-line); }
table.simple-table th { font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.03em; color: var(--color-ink-muted); }

.breadcrumbs { font-size: 0.85rem; color: var(--color-ink-muted); margin-bottom: var(--space-5); }
.breadcrumbs a:hover { color: var(--color-burgundy-700); }

.lang-toggle { font-weight: 700; font-size: 0.9rem; border: 1px solid var(--color-line-strong); border-radius: 999px; padding: 0.4rem 0.9rem; }