:root {
  --navy: #07182c;
  --blue: #0e3b66;
  --sky: #eaf4fb;
  --gold: #d99716;
  --gold-soft: #fff4d8;
  --teal: #1c7c7a;
  --ink: #17202c;
  --muted: #5d6877;
  --line: #d9e4ee;
  --panel: #f5f8fb;
  --white: #ffffff;
  --shadow: 0 22px 60px rgba(7, 24, 44, 0.12);
  --shadow-strong: 0 28px 78px rgba(7, 24, 44, 0.18);
  --radius: 8px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: #fbfdff;
  font-family: Inter, Arial, sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a {
  color: inherit;
  text-decoration: none;
}

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

.container {
  width: min(1160px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(220, 229, 238, 0.9);
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(18px);
  box-shadow: 0 12px 32px rgba(7, 24, 44, 0.04);
  transition: box-shadow 180ms ease, background-color 180ms ease;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.95);
  box-shadow: 0 16px 42px rgba(7, 24, 44, 0.1);
}

.nav {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand img {
  width: 260px;
  height: auto;
  filter: drop-shadow(0 6px 16px rgba(7, 24, 44, 0.08));
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 10px;
  color: #354458;
  font-weight: 850;
}

.nav-links a:not(.button) {
  position: relative;
  padding: 10px 8px;
}

.nav-links a:not(.button)::after {
  content: "";
  position: absolute;
  right: 8px;
  bottom: 5px;
  left: 8px;
  height: 2px;
  border-radius: 999px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 220ms ease;
}

.nav-links a:not(.button):hover::after {
  transform: scaleX(1);
}

.button {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  padding: 13px 20px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  font-weight: 900;
  letter-spacing: 0;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease, background-color 180ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-primary {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--blue) 72%, #165b76);
  box-shadow: 0 16px 32px rgba(6, 29, 56, 0.2);
}

.button-secondary {
  color: var(--navy);
  border-color: rgba(11, 45, 84, 0.2);
  background: var(--white);
  box-shadow: 0 12px 28px rgba(7, 24, 44, 0.06);
}

.button-secondary:hover {
  border-color: rgba(217, 151, 22, 0.65);
  box-shadow: 0 18px 36px rgba(7, 24, 44, 0.1);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 104px 0 76px;
  background:
    linear-gradient(115deg, rgba(255, 255, 255, 0.92) 0%, rgba(245, 248, 251, 0.86) 43%, rgba(234, 244, 251, 0.78) 100%),
    url("assets/private-mortgage-solutions-logo.svg") right 8% top 48% / min(52vw, 680px) auto no-repeat;
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  pointer-events: none;
}

.hero::before {
  inset: 0;
  background-image:
    linear-gradient(rgba(7, 24, 44, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(7, 24, 44, 0.045) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(90deg, rgba(0, 0, 0, 0.5), transparent 72%);
}

.hero::after {
  right: -16%;
  bottom: -34%;
  width: 760px;
  height: 760px;
  border: 1px solid rgba(14, 59, 102, 0.16);
  border-radius: 50%;
  animation: drift 9s ease-in-out infinite alternate;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.68fr);
  gap: 58px;
  align-items: center;
}

.hero-copy {
  animation: heroEnter 740ms ease both;
}

.kicker {
  display: inline-flex;
  width: fit-content;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.kicker::before {
  content: "";
  width: 28px;
  height: 2px;
  border-radius: 999px;
  background: var(--gold);
}

h1,
h2,
h3 {
  margin: 0;
  color: var(--navy);
  font-family: Montserrat, Arial, sans-serif;
  line-height: 1.08;
}

h1 {
  max-width: 820px;
  font-size: clamp(3rem, 6.6vw, 5.25rem);
  letter-spacing: 0;
}

h1 span {
  color: var(--blue);
}

.lead {
  max-width: 710px;
  margin: 24px 0 0;
  color: var(--muted);
  font-size: 1.2rem;
  line-height: 1.72;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.hero-proof {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  max-width: 670px;
  margin-top: 34px;
}

.hero-proof div {
  border-left: 3px solid var(--gold);
  padding: 10px 14px;
  background: rgba(255, 255, 255, 0.7);
  box-shadow: 0 12px 28px rgba(7, 24, 44, 0.06);
}

.hero-proof strong,
.hero-proof span {
  display: block;
}

.hero-proof strong {
  color: var(--navy);
  font-family: Montserrat, Arial, sans-serif;
  font-size: 1.08rem;
  line-height: 1.1;
}

.hero-proof span {
  margin-top: 2px;
  color: var(--muted);
  font-size: 0.88rem;
  font-weight: 750;
}

.quote-card,
.panel,
.step,
.faq-item,
.feature,
.stat {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.92);
  box-shadow: var(--shadow);
}

.quote-card {
  position: relative;
  padding: 30px;
  animation: cardEnter 820ms 120ms ease both;
}

.quote-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  border-radius: var(--radius) var(--radius) 0 0;
  background: linear-gradient(90deg, var(--gold), var(--teal), var(--blue));
}

.quote-card h2 {
  font-size: 1.45rem;
}

.card-eyebrow {
  display: block;
  margin-bottom: 10px;
  color: var(--teal);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.quote-card p {
  margin: 10px 0 20px;
  color: var(--muted);
}

.form {
  display: grid;
  gap: 12px;
}

.form label {
  display: grid;
  gap: 6px;
  color: #334153;
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
}

.form input,
.form select,
.form textarea {
  min-height: 48px;
  width: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 12px;
  color: var(--ink);
  background: #fbfdff;
  font: 700 0.96rem/1.25 Inter, Arial, sans-serif;
  transition: border-color 160ms ease, box-shadow 160ms ease, background-color 160ms ease;
}

.form input:focus,
.form select:focus,
.form textarea:focus {
  outline: 3px solid rgba(245, 179, 19, 0.26);
  border-color: var(--gold);
  background: var(--white);
}

.form-honey {
  display: none;
}

.section {
  padding: 88px 0;
  position: relative;
}

.section-muted {
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.56), rgba(255, 255, 255, 0)),
    var(--panel);
}

.section-heading {
  display: grid;
  gap: 16px;
  max-width: 780px;
  margin-bottom: 38px;
}

.section-heading.center {
  margin-inline: auto;
  text-align: center;
}

.section-heading h2 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  letter-spacing: 0;
}

.section-heading p,
.panel p,
.feature p,
.step p,
.faq-item p,
.stat p {
  margin: 0;
  color: var(--muted);
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 0.75fr);
  gap: 46px;
  align-items: center;
}

.panel {
  padding: 30px;
  border-top: 5px solid var(--gold);
}

.check-list {
  display: grid;
  gap: 13px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 28px;
  color: #334153;
  font-weight: 800;
}

.check-list li::before {
  content: "";
  position: absolute;
  top: 0.55em;
  left: 0;
  width: 12px;
  height: 7px;
  border-bottom: 2px solid var(--gold);
  border-left: 2px solid var(--gold);
  transform: rotate(-45deg);
}

.steps,
.features,
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.features,
.stats {
  grid-template-columns: repeat(3, 1fr);
}

.step,
.feature,
.stat {
  min-height: 210px;
  padding: 26px;
  transition: transform 220ms ease, box-shadow 220ms ease, border-color 220ms ease;
}

.step:hover,
.feature:hover,
.stat:hover,
.faq-item:hover {
  transform: translateY(-5px);
  border-color: rgba(217, 151, 22, 0.42);
  box-shadow: var(--shadow-strong);
}

.feature span,
.step span,
.stat span {
  display: block;
  margin-bottom: 28px;
  color: var(--gold);
  font-family: Montserrat, Arial, sans-serif;
  font-size: 1.7rem;
  font-weight: 900;
}

.feature span {
  margin-bottom: 36px;
  color: var(--teal);
  font-size: 1rem;
}

.feature h3,
.step h3 {
  margin-bottom: 10px;
  font-size: 1.15rem;
}

.stat strong {
  display: block;
  color: var(--navy);
  font-family: Montserrat, Arial, sans-serif;
  font-size: 1.65rem;
  line-height: 1.1;
}

.faq-list {
  display: grid;
  gap: 14px;
}

.faq-layout {
  display: grid;
  grid-template-columns: 230px minmax(0, 1fr);
  gap: 42px;
  align-items: start;
}

.faq-sidebar {
  position: sticky;
  top: 112px;
  display: grid;
  gap: 8px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: 0 16px 42px rgba(7, 24, 44, 0.08);
}

.faq-sidebar .kicker {
  margin-bottom: 8px;
}

.faq-sidebar a {
  padding: 10px 12px;
  border-radius: var(--radius);
  color: #334153;
  font-weight: 900;
  transition: background-color 180ms ease, color 180ms ease, transform 180ms ease;
}

.faq-sidebar a:hover {
  color: var(--navy);
  background: var(--gold-soft);
  transform: translateX(3px);
}

.faq-content {
  display: grid;
  gap: 58px;
}

.faq-group {
  scroll-margin-top: 120px;
}

.faq-group .section-heading {
  margin-bottom: 22px;
}

.faq-summary h2,
.faq-cta h2 {
  font-size: clamp(1.65rem, 3vw, 2.4rem);
}

.faq-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 34px;
  align-items: center;
  padding: 34px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}

.faq-cta p {
  max-width: 760px;
  margin: 14px 0 0;
  color: var(--muted);
}

.faq-item {
  padding: 0;
  overflow: hidden;
}

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  cursor: pointer;
  padding: 22px 24px;
  color: var(--navy);
  font-family: Montserrat, Arial, sans-serif;
  font-weight: 900;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  display: inline-grid;
  flex: 0 0 28px;
  width: 28px;
  height: 28px;
  place-items: center;
  border-radius: 50%;
  background: var(--gold-soft);
  color: var(--gold);
  font-family: Inter, Arial, sans-serif;
  line-height: 1;
}

.faq-item[open] summary::after {
  content: "-";
}

.faq-item p {
  padding: 0 24px 24px;
}

.site-footer {
  padding: 64px 0 28px;
  color: #d7e1ec;
  background:
    linear-gradient(135deg, rgba(7, 24, 44, 0.98), rgba(8, 24, 45, 0.97)),
    url("assets/private-mortgage-solutions-logo.svg") right 8% top 56px / 380px auto no-repeat;
  border-top: 5px solid var(--gold);
}

.footer-main {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(180px, 0.45fr) minmax(210px, 0.55fr);
  gap: 54px;
  align-items: start;
}

.footer-brand p,
.footer-bottom p {
  margin: 0;
}

.footer-brand img {
  width: 250px;
  max-width: 100%;
  margin-bottom: 20px;
  padding: 12px 14px;
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 18px 38px rgba(0, 0, 0, 0.2);
}

.footer-brand p {
  max-width: 560px;
  color: #d7e1ec;
  font-size: 1rem;
  line-height: 1.75;
}

.footer-column {
  display: grid;
  gap: 10px;
}

.footer-column h2 {
  margin-bottom: 8px;
  color: var(--white);
  font-size: 0.9rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.footer-column a {
  color: #d7e1ec;
}

.footer-column a {
  width: fit-content;
  font-weight: 900;
  transition: color 180ms ease, transform 180ms ease;
}

.footer-column a:hover {
  color: var(--gold-soft);
  transform: translateX(3px);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin-top: 44px;
  padding-top: 22px;
  border-top: 1px solid rgba(215, 225, 236, 0.14);
  color: #aebdce;
  font-size: 0.82rem;
}

.reveal-on-scroll {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 680ms ease, transform 680ms ease;
}

.reveal-on-scroll.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@keyframes drift {
  from {
    transform: translate3d(0, 0, 0);
  }

  to {
    transform: translate3d(-24px, 18px, 0);
  }
}

@keyframes heroEnter {
  from {
    opacity: 0;
    transform: translateY(18px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes cardEnter {
  from {
    opacity: 0;
    transform: translateY(28px) scale(0.985);
  }

  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@media (max-width: 900px) {
  .nav,
  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero-grid,
  .faq-layout,
  .split,
  .steps,
  .features,
  .stats {
    grid-template-columns: 1fr;
  }

  .nav-links {
    width: 100%;
    overflow-x: auto;
  }

  .hero {
    background-size: 640px auto;
    background-position: right -240px top 18%;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
  }

  .faq-sidebar {
    position: static;
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .faq-sidebar .kicker {
    grid-column: 1 / -1;
  }

  .faq-cta {
    grid-template-columns: 1fr;
  }

  .faq-cta .button {
    width: fit-content;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

}

@media (max-width: 640px) {
  .container {
    width: min(100% - 28px, 1160px);
  }

  .brand img {
    width: 220px;
  }

  .nav {
    gap: 16px;
    min-height: 76px;
  }

  .nav-links {
    gap: 8px;
    padding-bottom: 6px;
    font-size: 0.92rem;
  }

  .hero {
    padding: 64px 0 48px;
    background-position: right -320px top 10%;
  }

  h1 {
    font-size: 2.75rem;
  }

  .lead {
    font-size: 1.08rem;
  }

  .hero-proof {
    grid-template-columns: 1fr;
  }

  .faq-sidebar {
    grid-template-columns: 1fr 1fr;
    padding: 16px;
  }

  .faq-sidebar a {
    padding: 9px 10px;
    font-size: 0.92rem;
  }

  .faq-content {
    gap: 44px;
  }

  .faq-cta {
    padding: 22px;
  }

  .faq-cta .button {
    width: 100%;
  }

  .button {
    width: 100%;
  }

  .quote-card,
  .panel,
  .step,
  .feature,
  .stat {
    padding: 22px;
  }

  .site-footer {
    padding-top: 46px;
    background-size: 300px auto;
    background-position: right -120px top 40px;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .footer-brand img {
    width: 220px;
  }

}

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