/* =====================================================
   Senior Resources Mortgage — Shared Stylesheet
   Brand: Charcoal (#393D42) | Gold (#E5A31E) | Off-white (#F5F5F5)
   ===================================================== */

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

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 18px;
  line-height: 1.7;
  color: #2c2c2c;
  background: #ffffff;
}

h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 600;
  line-height: 1.25;
  color: #393D42;
}

h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }

p { margin-bottom: 1.2rem; }

a { color: #E5A31E; text-decoration: none; }
a:hover { color: #A56F1E; text-decoration: underline; }

img { max-width: 100%; height: auto; }

/* --- Color Utilities --- */
.text-navy   { color: #393D42 !important; }
.text-gold   { color: #E5A31E !important; }
.bg-navy     { background-color: #393D42 !important; }
.bg-gold     { background-color: #E5A31E !important; }
.bg-warm     { background-color: #f5f5f5 !important; }
.bg-lightblue{ background-color: #eeeeef !important; }

/* --- Navigation --- */
.site-nav {
  background: #2d3035;
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,0.45);
  border-bottom: 1px solid rgba(229,163,30,0.2);
}

.site-nav .nav-brand {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: #ffffff !important;
  text-decoration: none;
  letter-spacing: 0.01em;
  padding: 16px 0;
  display: block;
}

.site-nav .nav-brand span {
  color: #E5A31E;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links li a {
  display: block;
  color: rgba(255,255,255,0.85) !important;
  padding: 22px 20px;
  font-size: 0.95rem;
  font-weight: 500;
  font-family: 'Inter', sans-serif;
  text-decoration: none;
  transition: color 0.2s, background 0.2s;
  letter-spacing: 0.02em;
}

.nav-links li a:hover,
.nav-links li a.active {
  color: #E5A31E !important;
  background: rgba(255,255,255,0.06);
  text-decoration: none;
}

.nav-cta-link a {
  background: #E5A31E !important;
  color: #ffffff !important;
  border-radius: 4px;
  margin-left: 12px;
  padding: 10px 22px !important;
  margin-top: 10px;
  margin-bottom: 10px;
}

.nav-cta-link a:hover {
  background: #A56F1E !important;
  color: #ffffff !important;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 16px;
  color: white;
  font-size: 1.5rem;
}

@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    flex-direction: column;
    align-items: flex-start;
    background: #2a2d31;
    width: 100%;
    border-top: 1px solid rgba(229,163,30,0.2);
  }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links li a { padding: 14px 24px; width: 100%; }
  .nav-cta-link a {
    margin: 8px 16px !important;
    width: calc(100% - 32px);
    text-align: center;
    border-radius: 4px;
  }
}

/* --- Hero Section --- */
.hero {
  background: linear-gradient(135deg, #393D42 0%, #2a2d31 60%, #393D42 100%);
  color: white;
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}

/* Optional: when hero-banner.jpg is added, uncomment this:
.hero.has-banner {
  background-image: linear-gradient(to right, rgba(14,15,22,0.92) 55%, rgba(14,15,22,0.5) 100%), url('hero-banner.jpg');
  background-size: cover;
  background-position: center right;
}
*/

.hero::before {
  content: '';
  position: absolute;
  top: 0; right: 0; bottom: 0; left: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23E5A31E' fill-opacity='0.04'%3E%3Cpath d='M40 40 L0 0 L80 0 Z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: 1;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(229,163,30,0.4), transparent);
}

.hero h1 {
  color: #ffffff;
  margin-bottom: 1.2rem;
}

.hero h1 em {
  color: #E5A31E;
  font-style: normal;
}

.hero .hero-sub {
  font-size: 1.2rem;
  color: rgba(255,255,255,0.85);
  max-width: 560px;
  margin-bottom: 2.2rem;
  line-height: 1.7;
}

.hero .hero-badge {
  display: inline-block;
  background: rgba(229,163,30,0.2);
  border: 1px solid rgba(229,163,30,0.5);
  color: #f0c96e;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 1.4rem;
}

/* --- Buttons --- */
.btn-gold {
  background: #E5A31E;
  color: #ffffff !important;
  border: none;
  padding: 16px 36px;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 6px;
  cursor: pointer;
  display: inline-block;
  transition: background 0.2s, transform 0.1s;
  text-decoration: none !important;
  letter-spacing: 0.02em;
}

.btn-gold:hover {
  background: #A56F1E;
  color: #ffffff !important;
  transform: translateY(-1px);
  text-decoration: none !important;
}

.btn-navy {
  background: #393D42;
  color: #ffffff !important;
  border: none;
  padding: 16px 36px;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 6px;
  cursor: pointer;
  display: inline-block;
  transition: background 0.2s, transform 0.1s;
  text-decoration: none !important;
}

.btn-navy:hover {
  background: #2a2d31;
  color: #ffffff !important;
  transform: translateY(-1px);
  text-decoration: none !important;
}

.btn-outline-white {
  background: transparent;
  color: #ffffff !important;
  border: 2px solid rgba(255,255,255,0.6);
  padding: 14px 34px;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 500;
  border-radius: 6px;
  cursor: pointer;
  display: inline-block;
  transition: all 0.2s;
  text-decoration: none !important;
}

.btn-outline-white:hover {
  border-color: #ffffff;
  background: rgba(255,255,255,0.1);
  color: #ffffff !important;
  text-decoration: none !important;
}

/* --- Sections --- */
.section {
  padding: 80px 0;
}

.section-sm {
  padding: 56px 0;
}

.section-title {
  text-align: center;
  margin-bottom: 56px;
}

.section-title .eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #E5A31E;
  margin-bottom: 12px;
}

.section-title h2 {
  margin-bottom: 16px;
}

.section-title p {
  max-width: 620px;
  margin: 0 auto;
  color: #555;
  font-size: 1.05rem;
}

.divider {
  width: 56px;
  height: 3px;
  background: #E5A31E;
  margin: 16px auto 0;
  border-radius: 2px;
}

/* --- Service Cards --- */
.service-card {
  background: #ffffff;
  border: 1px solid #e5e5e5;
  border-radius: 12px;
  padding: 36px 30px;
  height: 100%;
  transition: box-shadow 0.2s, transform 0.2s;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, #393D42, #E5A31E);
}

.service-card:hover {
  box-shadow: 0 12px 40px rgba(57,61,66,0.12);
  transform: translateY(-3px);
}

.service-card .card-icon {
  width: 56px;
  height: 56px;
  background: #F5F1E8;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.6rem;
}

.service-card h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}

.service-card p {
  color: #555;
  font-size: 0.97rem;
  margin-bottom: 0;
}

/* --- Stat Block --- */
.stat-block {
  text-align: center;
  padding: 32px 24px;
}

.stat-block .stat-number {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  font-weight: 700;
  color: #E5A31E;
  line-height: 1;
  display: block;
  margin-bottom: 8px;
}

.stat-block .stat-label {
  font-size: 0.95rem;
  color: #555;
  line-height: 1.5;
}

/* --- David Bio Section --- */
.bio-section {
  background: #F8F5F0;
}

.bio-photo-wrap {
  position: relative;
}

.bio-photo-wrap::after {
  content: '';
  position: absolute;
  bottom: -12px;
  right: -12px;
  width: 80%;
  height: 80%;
  border: 3px solid #E5A31E;
  border-radius: 12px;
  z-index: 0;
}

.bio-photo {
  width: 340px;
  height: 420px;
  object-fit: cover;
  object-position: center top;
  border-radius: 12px;
  position: relative;
  z-index: 1;
  display: block;
  box-shadow: 0 20px 60px rgba(57,61,66,0.2);
}

.credential-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #ffffff;
  border: 1px solid #e5e5e5;
  border-radius: 100px;
  padding: 8px 18px;
  font-size: 0.85rem;
  font-weight: 600;
  color: #393D42;
  margin: 4px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.credential-badge .dot {
  width: 8px;
  height: 8px;
  background: #E5A31E;
  border-radius: 50%;
  flex-shrink: 0;
}

/* --- Quote / Pull Quote --- */
.pull-quote {
  border-left: 4px solid #E5A31E;
  padding: 20px 28px;
  margin: 32px 0;
  background: #F8F5F0;
  border-radius: 0 8px 8px 0;
}

.pull-quote p {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.25rem;
  color: #393D42;
  font-style: italic;
  margin: 0;
  line-height: 1.6;
}

/* --- Feature List --- */
.feature-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid #f0f0f0;
  font-size: 1rem;
  line-height: 1.6;
}

.feature-list li:last-child {
  border-bottom: none;
}

.feature-list .check {
  width: 24px;
  height: 24px;
  background: #393D42;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  flex-shrink: 0;
  margin-top: 2px;
}

/* --- Myth/Fact Cards --- */
.myth-card {
  background: #fdf2ee;
  border: 1px solid #e8c4b8;
  border-radius: 10px;
  padding: 24px;
  margin-bottom: 16px;
}

.myth-card .myth-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #782200;
  margin-bottom: 8px;
  display: block;
}

.fact-card {
  background: #fdf8e8;
  border: 1px solid #F3DD99;
  border-radius: 10px;
  padding: 24px;
  margin-bottom: 16px;
}

.fact-card .fact-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #A56F1E;
  margin-bottom: 8px;
  display: block;
}

.myth-card p,
.fact-card p {
  margin: 0;
  font-size: 1rem;
  line-height: 1.6;
  color: #2c2c2c;
}

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, #393D42 0%, #2a2d31 100%);
  border-top: 1px solid rgba(229,163,30,0.25);
  border-bottom: 1px solid rgba(229,163,30,0.25);
  color: white;
  padding: 80px 0;
  text-align: center;
}

.cta-banner h2 {
  color: white;
  margin-bottom: 16px;
}

.cta-banner p {
  color: rgba(255,255,255,0.8);
  max-width: 560px;
  margin: 0 auto 2.4rem;
  font-size: 1.1rem;
}

/* --- CE Class Callout --- */
.ce-callout {
  background: linear-gradient(135deg, #E5A31E 0%, #A56F1E 100%);
  color: white;
  border-radius: 16px;
  padding: 48px 40px;
}

.ce-callout h3 {
  color: white;
  font-size: 1.6rem;
  margin-bottom: 12px;
}

.ce-callout p {
  color: rgba(255,255,255,0.9);
  margin-bottom: 0;
}

.ce-detail {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.9);
  margin-bottom: 10px;
  font-size: 0.97rem;
}

.ce-detail .icon {
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* --- Contact Form --- */
.contact-form .form-control {
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  padding: 14px 18px;
  border: 1px solid #d0d5dd;
  border-radius: 8px;
  color: #2c2c2c;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.contact-form .form-control:focus {
  border-color: #393D42;
  box-shadow: 0 0 0 3px rgba(57,61,66,0.12);
  outline: none;
}

.contact-form label {
  font-size: 0.9rem;
  font-weight: 600;
  color: #374151;
  margin-bottom: 6px;
}

.contact-form textarea {
  min-height: 130px;
  resize: vertical;
}

/* Trust bar styles consolidated below, near hero-photo section */

/* --- Footer --- */
.site-footer {
  background: #1e2124;
  color: rgba(255,255,255,0.75);
  padding: 64px 0 32px;
  border-top: 1px solid rgba(229,163,30,0.2);
}

.site-footer h5 {
  color: #ffffff;
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 20px;
}

.site-footer a {
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  font-size: 0.95rem;
  line-height: 2;
  display: block;
  transition: color 0.2s;
}

.site-footer a:hover {
  color: #E5A31E;
  text-decoration: none;
}

.site-footer .footer-brand {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 12px;
}

.site-footer .footer-brand span {
  color: #E5A31E;
}

.site-footer .footer-tagline {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
  max-width: 280px;
}

.footer-divider {
  border-color: rgba(255,255,255,0.1);
  margin: 48px 0 24px;
}

.footer-bottom {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.7;
}

/* --- Advisor Page Specific --- */
.pfau-stat-box {
  background: linear-gradient(145deg, #393D42, #2a2d31);
  border: 1px solid rgba(229,163,30,0.3);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  color: white;
  border-radius: 16px;
  padding: 48px 40px;
  text-align: center;
}

.pfau-stat-box .big-number {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 4rem;
  font-weight: 700;
  color: #E5A31E;
  line-height: 1;
  display: block;
}

.pfau-stat-box h3 {
  color: white;
  margin-top: 12px;
  font-size: 1.2rem;
}

.pfau-stat-box p {
  color: rgba(255,255,255,0.75);
  font-size: 0.92rem;
  margin-bottom: 0;
}

.arrow-right {
  font-size: 2rem;
  color: #E5A31E;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 100%;
}

/* --- How It Works Steps --- */
.step-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid #f0f0f0;
}

.step-item:last-child { border-bottom: none; }

.step-num {
  width: 48px;
  height: 48px;
  background: #393D42;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  font-weight: 700;
  flex-shrink: 0;
}

.step-item h4 {
  font-size: 1.1rem;
  margin-bottom: 6px;
}

.step-item p {
  margin: 0;
  color: #555;
  font-size: 0.97rem;
}

/* --- Hero with banner image --- */
.hero.hero-has-banner {
  background-image:
    linear-gradient(to right, rgba(14,15,22,0.97) 45%, rgba(14,15,22,0.6) 75%, rgba(14,15,22,0.15) 100%),
    url('hero-banner.png');
  background-size: cover;
  background-position: right center;
}

.hero-photo-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 340px;
  border: 1px solid rgba(229,163,30,0.2);
  border-radius: 16px;
  background: rgba(255,255,255,0.03);
}

.hero-photo-img {
  width: 100%;
  max-width: 520px;
  height: auto;
  border-radius: 12px;
  box-shadow: 0 24px 80px rgba(0,0,0,0.6);
}

/* --- Bio section: warm cream background (canonical rule above at ~line 397) --- */

/* --- Trust bar --- */
.trust-bar {
  background: #393D42;
  padding: 20px 0;
  border-top: 1px solid rgba(229,163,30,0.15);
  border-bottom: 1px solid rgba(229,163,30,0.15);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: rgba(255,255,255,0.8);
}

.trust-item .icon {
  font-size: 1.1rem;
  color: #E5A31E;
}

/* --- Responsive tweaks --- */
@media (max-width: 991px) {
  .hero { padding: 72px 0 60px; }
  .section { padding: 60px 0; }
  .ce-callout { padding: 36px 28px; }
}

@media (max-width: 767px) {
  body { font-size: 17px; }
  .hero { padding: 56px 0 48px; }
  .hero .hero-sub { font-size: 1.05rem; }
  .section { padding: 48px 0; }
  .cta-banner { padding: 60px 0; }
  .pfau-stat-box { padding: 36px 24px; }
  .pfau-stat-box .big-number { font-size: 3rem; }
}