/* ==============================================
   Price Mortgage Group — Main Stylesheet
   ============================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

:root {
  --navy:      #1a3a6b;
  --navy-dark: #122a52;
  --gold:      #c8972e;
  --gold-light:#e8b84b;
  --white:     #ffffff;
  --light-bg:  #f4f7fb;
  --border:    #e2e8f0;
  --text:      #1a202c;
  --muted:     #64748b;
  --success:   #16a34a;
  --radius:    8px;
  --shadow:    0 2px 12px rgba(26,58,107,0.10);
  --shadow-lg: 0 8px 32px rgba(26,58,107,0.15);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--text);
  line-height: 1.6;
  background: var(--white);
}

img { max-width: 100%; display: block; }
a  { color: inherit; text-decoration: none; }

/* ---- Typography ---- */
h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 700; line-height: 1.25; }
h3 { font-size: 1.25rem; font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }
p  { color: var(--muted); }

/* ---- Layout ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-alt { background: var(--light-bg); }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section-header { margin-bottom: 48px; }
.section-header p { margin-top: 12px; font-size: 1.1rem; max-width: 600px; }
.section-header.center { text-align: center; }
.section-header.center p { margin-left: auto; margin-right: auto; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: var(--shadow); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-dark); transform: translateY(-1px); box-shadow: var(--shadow); }

/* ---- Navigation ---- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 8px rgba(0,0,0,0.06);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo-main { font-size: 1.2rem; font-weight: 800; color: var(--navy); }
.nav-logo-sub  { font-size: 0.65rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}
.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
  transition: color 0.2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--navy); }
.nav-links .btn { margin-left: 8px; padding: 10px 20px; font-size: 0.875rem; }

.nav-hamburger { display: none; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: 0.3s; }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #2a5298 100%);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; right: 0;
  width: 50%;
  height: 100%;
  background: url("data:image/svg+xml,%3Csvg width='600' height='600' viewBox='0 0 600 600' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' stroke='rgba(255,255,255,0.04)' stroke-width='1'%3E%3Cpath d='M300 0L600 300L300 600L0 300Z'/%3E%3Cpath d='M300 50L550 300L300 550L50 300Z'/%3E%3Cpath d='M300 100L500 300L300 500L100 300Z'/%3E%3C/g%3E%3C/svg%3E") no-repeat center;
  background-size: cover;
  pointer-events: none;
}
.hero-content { max-width: 680px; position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200,151,46,0.2);
  border: 1px solid rgba(200,151,46,0.4);
  color: var(--gold-light);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold-light); }
.hero-sub { font-size: 1.15rem; color: rgba(255,255,255,0.8); margin-bottom: 36px; max-width: 540px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: flex;
  gap: 40px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-stat-num { font-size: 2rem; font-weight: 800; color: var(--white); line-height: 1; }
.hero-stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-top: 4px; }

/* ---- Trust Bar ---- */
.trust-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.8);
  padding: 16px 0;
  font-size: 0.8rem;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
}
.trust-item-icon { font-size: 1rem; }
.trust-divider { color: rgba(255,255,255,0.2); }

/* ---- Loan Program Cards ---- */
.programs-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}
.program-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: all 0.25s;
  position: relative;
  overflow: hidden;
}
.program-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 4px;
  height: 100%;
  background: var(--gold);
  opacity: 0;
  transition: opacity 0.25s;
}
.program-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); border-color: var(--gold); }
.program-card:hover::before { opacity: 1; }
.program-icon { font-size: 2rem; margin-bottom: 16px; }
.program-card h3 { color: var(--navy); margin-bottom: 8px; }
.program-card p  { font-size: 0.9rem; margin-bottom: 16px; }
.program-link { font-size: 0.875rem; font-weight: 600; color: var(--navy); display: flex; align-items: center; gap: 4px; }
.program-link:hover { color: var(--gold); }

/* ---- Why PMG ---- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 32px;
}
.why-item { text-align: center; }
.why-icon {
  width: 64px; height: 64px;
  background: rgba(26,58,107,0.08);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 16px;
}
.why-item h3 { color: var(--navy); margin-bottom: 8px; }
.why-item p  { font-size: 0.9rem; }

/* ---- Team Preview ---- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 24px;
}
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all 0.25s;
  text-align: center;
}
.team-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.team-avatar {
  width: 100%;
  padding-top: 100%;
  position: relative;
  background: linear-gradient(135deg, var(--navy) 0%, #2a5298 100%);
}
.team-avatar-initials {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 800;
  color: rgba(255,255,255,0.6);
}
.team-avatar img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.team-info { padding: 20px 16px; }
.team-name { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 2px; }
.team-title { font-size: 0.8rem; color: var(--gold); font-weight: 600; margin-bottom: 4px; }
.team-nmls { font-size: 0.75rem; color: var(--muted); }
.team-bio { font-size: 0.82rem; color: var(--muted); margin-top: 8px; line-height: 1.5; }
.team-contact { margin-top: 12px; font-size: 0.8rem; font-weight: 500; color: var(--navy); }

/* ---- Testimonials ---- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  position: relative;
}
.testimonial-stars { color: var(--gold); font-size: 1rem; margin-bottom: 12px; letter-spacing: 2px; }
.testimonial-quote { font-size: 0.95rem; color: var(--text); font-style: italic; margin-bottom: 20px; line-height: 1.7; }
.testimonial-author { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.testimonial-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.testimonial-detail { font-size: 0.8rem; color: var(--muted); margin-top: 2px; }
.testimonial-location { font-size: 0.8rem; color: var(--muted); }
.testimonial-placeholder {
  background: var(--light-bg);
  border: 2px dashed var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 180px;
  color: var(--muted);
  font-size: 0.85rem;
  text-align: center;
  padding: 24px;
}

/* ---- CTA Section ---- */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, #2a5298 100%);
  color: var(--white);
  text-align: center;
  padding: 80px 0;
}
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p  { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: 36px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---- Contact ---- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.contact-info-item {
  display: flex;
  gap: 16px;
  margin-bottom: 28px;
}
.contact-info-icon {
  width: 44px; height: 44px;
  background: var(--light-bg);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-info-label { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
.contact-info-value { font-size: 1rem; font-weight: 600; color: var(--navy); margin-top: 2px; }

.contact-form { display: flex; flex-direction: column; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 0.875rem; font-weight: 500; color: var(--text); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-family: inherit;
  color: var(--text);
  transition: border-color 0.2s;
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,58,107,0.1);
}
.form-group textarea { min-height: 100px; resize: vertical; }
.form-consent { font-size: 0.75rem; color: var(--muted); line-height: 1.5; }

/* ---- Page Header ---- */
.page-header {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: var(--white);
  padding: 64px 0;
}
.page-header h1 { color: var(--white); font-size: clamp(1.75rem, 4vw, 2.75rem); margin-bottom: 12px; }
.page-header p  { color: rgba(255,255,255,0.75); font-size: 1.05rem; max-width: 560px; }

/* ---- Compliance / Footer ---- */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.6);
  padding: 48px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}
.footer-brand h3 { color: var(--white); font-size: 1.1rem; margin-bottom: 4px; }
.footer-brand p  { font-size: 0.85rem; line-height: 1.6; margin-top: 8px; }
.footer-links h4 { color: var(--white); font-size: 0.875rem; margin-bottom: 12px; }
.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.footer-links a  { font-size: 0.825rem; transition: color 0.2s; }
.footer-links a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  font-size: 0.75rem;
  line-height: 1.8;
}
.footer-compliance { margin-bottom: 8px; }
.footer-compliance strong { color: rgba(255,255,255,0.85); }
.footer-equal-housing {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
}
.equal-housing-logo {
  width: 32px; height: 32px;
  border: 2px solid rgba(255,255,255,0.4);
  border-radius: 4px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

/* ---- Loan Programs Page ---- */
.loan-programs-list { display: flex; flex-direction: column; gap: 48px; }
.loan-program-item {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 48px;
  align-items: start;
  padding: 40px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.loan-program-icon-wrap {
  background: linear-gradient(135deg, var(--navy) 0%, #2a5298 100%);
  border-radius: var(--radius);
  padding: 32px;
  text-align: center;
  color: var(--white);
}
.loan-program-icon-wrap .icon { font-size: 3rem; margin-bottom: 12px; }
.loan-program-icon-wrap h3 { color: var(--white); font-size: 1.1rem; }
.loan-program-content h2 { color: var(--navy); font-size: 1.5rem; margin-bottom: 12px; }
.loan-program-content p  { font-size: 0.95rem; margin-bottom: 16px; }
.loan-benefits { list-style: none; margin-bottom: 24px; }
.loan-benefits li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 6px 0;
  font-size: 0.9rem;
  color: var(--muted);
}
.loan-benefits li::before { content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0; }

/* ---- Breadcrumb ---- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb-sep { color: rgba(255,255,255,0.3); }

/* ---- Placeholder styles ---- */
.placeholder-note {
  display: inline-block;
  background: #fef3c7;
  border: 1px dashed #d97706;
  color: #92400e;
  font-size: 0.75rem;
  font-style: italic;
  padding: 2px 8px;
  border-radius: 4px;
  margin-top: 4px;
}

/* ---- Responsive ---- */
@media (max-width: 900px) {
  .contact-grid      { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid       { grid-template-columns: 1fr 1fr; }
  .loan-program-item { grid-template-columns: 1fr; }
  .hero-stats        { gap: 24px; flex-wrap: wrap; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-hamburger { display: block; }
  .section { padding: 56px 0; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .trust-bar-inner { gap: 16px; }
  .trust-divider { display: none; }
}

@media (max-width: 480px) {
  .hero { padding: 64px 0 56px; }
  .hero-actions { flex-direction: column; }
  .hero-stats { gap: 20px; }
  .cta-actions { flex-direction: column; align-items: center; }
}

/* ---- Mobile nav open state ---- */
@media (max-width: 768px) {
  .nav-links.nav-open {
    display: flex !important;
    flex-direction: column;
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    border-bottom: 2px solid var(--border);
    box-shadow: 0 6px 24px rgba(26,58,107,0.12);
    padding: 8px 0 16px;
    z-index: 99;
    gap: 0;
    list-style: none;
  }
  .nav-links.nav-open li {
    padding: 0 24px;
    border-bottom: 1px solid var(--border);
  }
  .nav-links.nav-open li:last-child { border-bottom: none; }
  .nav-links.nav-open a:not(.btn) {
    display: block;
    padding: 12px 0;
    font-size: 1rem;
    color: var(--text);
  }
  .nav-links.nav-open .btn {
    display: flex;
    width: 100%;
    margin: 10px 0 4px;
    justify-content: center;
  }
}

/* ---- Hamburger open animation ---- */
.nav-hamburger--open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-hamburger--open span:nth-child(2) { opacity: 0; }
.nav-hamburger--open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }