/* ==========================================================================
   Sunny Home Loans — Shared Site Stylesheet
   Design tokens carried over verbatim from the original homepage.
   ========================================================================== */

:root {
  --black: #060606;
  --ink: #151515;
  --muted: #5e625f;
  --soft: #f4f3ef;
  --line: #dedbd2;
  --white: #ffffff;
  --blue: #1e5bff;
  --green: #1f6b55;
  --gold: #b8872b;
  --max: 1180px;
  --radius: 8px;
  --shadow: 0 34px 90px rgba(0, 0, 0, .26);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.48;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

.container {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -44px;
  z-index: 100;
  background: var(--blue);
  color: var(--white);
  padding: 10px 14px;
  border-radius: var(--radius);
  font-weight: 700;
  transition: top .2s ease;
}
.skip-link:focus { top: 14px; }
:focus-visible { outline: 3px solid rgba(30, 91, 255, .38); outline-offset: 3px; }

/* ---------- TOPLINE + HEADER ---------- */
.topline { background: var(--black); color: rgba(255,255,255,.76); font-size: 12px; padding: 9px 0; }
.topline .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.94);
  border-bottom: 1px solid rgba(0,0,0,.08);
  backdrop-filter: blur(14px);
}

nav { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 26px; }

.brand { display: flex; align-items: center; gap: 12px; color: var(--black); font-weight: 800; font-size: 15px; letter-spacing: -.01em; min-width: 0; }
.brand img { height: 38px; width: auto; }

.nav-links { display: flex; align-items: center; gap: 28px; color: var(--muted); font-size: 14px; white-space: nowrap; }
.nav-links a:hover { color: var(--black); }
.nav-gold { color: var(--gold) !important; font-weight: 600; }
.nav-divider { width: 1px; height: 16px; background: var(--line); display: inline-block; margin: 0 4px; }

.nav-cta, .button {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  border-radius: var(--radius); min-height: 44px; padding: 12px 16px;
  font-size: 14px; font-weight: 800;
  transition: transform .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space: nowrap; cursor: pointer; border: 0;
}
.nav-cta { border: 1px solid var(--black); color: var(--black); background: none; }
.nav-cta:hover { background: var(--black); color: var(--white); }
.button-primary { background: var(--blue); color: var(--white); border: 1px solid var(--blue); }
.button-primary:hover { background: #0f47df; transform: translateY(-1px); }
.button-secondary { color: var(--black); border: 1px solid var(--line); background: none; }
.button-secondary:hover { border-color: var(--black); transform: translateY(-1px); }

/* Mobile loan strip (visible under 1040px) */
.mobile-loan-strip { display: none; background: var(--black); border-top: 1px solid rgba(255,255,255,.08); }
.mobile-loan-strip a { display: inline-block; padding: 10px 16px; font-size: 13px; font-weight: 600; color: var(--gold); letter-spacing: .02em; border-right: 1px solid rgba(255,255,255,.08); }
.mobile-loan-strip a:last-child { border-right: none; }
.mobile-loan-strip a:hover { background: rgba(255,255,255,.05); }

/* ---------- TYPOGRAPHY ---------- */
h1, h2, h3, p { overflow-wrap: anywhere; }
.section-title { margin: 0; color: var(--black); font-size: clamp(30px, 4.5vw, 52px); line-height: 1.02; letter-spacing: -.03em; font-weight: 800; }
.section-title.light { color: var(--white); }
.section-body { color: var(--muted); font-size: 18px; line-height: 1.62; max-width: 760px; }
.kicker { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 18px; color: var(--blue); font-size: 13px; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; }
.kicker::before { content: ""; width: 28px; height: 2px; background: currentColor; }
.gold-rule { width: 44px; height: 3px; background: var(--gold); margin-bottom: 20px; }

/* ---------- HERO (page-level, dark) ---------- */
.hero { position: relative; overflow: hidden; background: var(--black); color: var(--white); }
.hero::after { content: ""; position: absolute; left: 0; bottom: 0; width: 42%; height: 7px; background: linear-gradient(90deg, var(--blue), var(--green)); }
.hero-inner { position: relative; z-index: 1; padding: 90px 0 76px; }

/* Centered variant used on landing pages */
.hero-center .hero-inner { max-width: 820px; text-align: left; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 20px; color: var(--gold); font-size: 13px; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; }
.hero h1 { margin: 0 0 22px; font-size: clamp(38px, 6vw, 64px); line-height: 1.04; letter-spacing: -.03em; font-weight: 800; }
.hero h1 em { color: var(--gold); font-style: normal; }
.hero-sub { max-width: 640px; margin: 0 0 30px; color: rgba(255,255,255,.82); font-size: clamp(17px, 1.6vw, 20px); line-height: 1.5; }
.hero-ctas { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

/* ---------- STATS STRIP ---------- */
.stats-strip { background: var(--soft); border-bottom: 1px solid var(--line); padding: 0; }
.stats-strip-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); }
.stat { min-height: 104px; background: var(--white); padding: 22px; display: flex; flex-direction: column; justify-content: center; }
.stat-num { display: block; font-size: 30px; font-weight: 800; letter-spacing: -.02em; margin-bottom: 6px; color: var(--black); }
.stat-label { color: var(--muted); font-size: 13px; line-height: 1.4; }

/* ---------- SECTIONS ---------- */
section, .section-block { padding: 92px 0; }
.section-alt { background: var(--soft); }
.section-navy { background: var(--black); color: var(--white); }
.section-navy .section-body { color: rgba(255,255,255,.68); }

/* ---------- CARD GRID (feature cards) ---------- */
.card-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); margin-top: 44px; }
.card-grid-3 { grid-template-columns: repeat(3, 1fr); }
.card { background: var(--white); padding: 28px 24px; min-height: 190px; }
.card-icon { font-size: 26px; display: block; margin-bottom: 14px; }
.card h3 { margin: 0 0 10px; font-size: 18px; letter-spacing: -.01em; }
.card p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.55; }

/* ---------- WHO-GRID ---------- */
.who-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); margin-top: 40px; }
.who-item { background: var(--white); padding: 22px 24px; font-size: 16px; color: var(--ink); font-weight: 600; }

/* ---------- PARAMS TABLE ---------- */
.params-table { width: 100%; border-collapse: collapse; margin-top: 40px; font-size: 15px; }
.params-table th, .params-table td { text-align: left; padding: 16px 18px; border-bottom: 1px solid var(--line); }
.params-table th { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .04em; font-weight: 800; }
.params-table td:first-child { font-weight: 700; color: var(--black); }
.params-table td { color: var(--muted); }

/* ---------- STEPS (shared with homepage Method section) ---------- */
.step-list, .steps { border-top: 1px solid var(--line); margin-top: 40px; }
.step { display: grid; grid-template-columns: 88px 1fr; gap: 32px; padding: 32px 0; border-bottom: 1px solid var(--line); }
.step-num { color: var(--blue); font-size: 13px; font-weight: 800; }
.step h3, .step-content h3 { margin: 0 0 10px; color: var(--black); font-size: 24px; line-height: 1.05; letter-spacing: -.03em; }
.step p, .step-content p { margin: 0; color: var(--muted); font-size: 16px; max-width: 720px; }
.section-navy .step h3 { color: var(--white); }

/* ---------- FAQ ACCORDION ---------- */
.faq { margin-top: 40px; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { padding: 20px 0; font-weight: 700; font-size: 16px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; color: var(--black); }
.faq-q::after { content: '+'; font-size: 20px; color: var(--gold); transition: transform .2s ease; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; color: var(--muted); font-size: 15px; line-height: 1.6; }
.faq-item.open .faq-a { max-height: 400px; padding-bottom: 20px; }
.section-navy .faq-q { color: var(--white); }

/* ---------- MARKETS GRID ---------- */
.markets-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; margin-top: 44px; }
.market-col h4 { color: var(--gold); font-size: 14px; text-transform: uppercase; letter-spacing: .04em; margin: 0 0 14px; }
.market-col ul { list-style: none; margin: 0; padding: 0; }
.market-col li { color: rgba(255,255,255,.72); font-size: 15px; padding: 6px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.section-navy .market-col li { color: rgba(255,255,255,.72); }
/* non-navy fallback (rare) */
.section-block:not(.section-navy) .market-col li { color: var(--muted); border-bottom-color: var(--line); }
.section-block:not(.section-navy) .market-col h4 { color: var(--black); }

/* ---------- CTA BLOCK (dark banner) ---------- */
.cta-block { background: var(--black); color: var(--white); text-align: center; padding: 88px 24px; }
.cta-block .kicker { justify-content: center; color: var(--gold); }
.cta-block h2 { font-size: clamp(28px, 4vw, 44px); margin: 0 0 18px; letter-spacing: -.03em; }
.cta-block p { max-width: 560px; margin: 0 auto 28px; color: rgba(255,255,255,.7); font-size: 17px; line-height: 1.6; }

/* ---------- FOOTER ---------- */
footer { background: var(--black); color: rgba(255,255,255,.58); border-top: 1px solid rgba(255,255,255,.16); padding: 36px 0; font-size: 13px; }
footer strong { color: var(--white); }
.footer-grid { display: grid; grid-template-columns: .86fr 1.14fr; gap: 76px; align-items: start; }

/* ---------- FORMS (shared: homepage inline form + modal form) ---------- */
form { background: var(--white); color: var(--black); display: grid; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 6px; }
label { color: #383a38; font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; }
input, select, textarea {
  width: 100%; border: 1px solid var(--line); border-radius: var(--radius);
  background: #fbfaf7; padding: 14px 13px; font: inherit; color: var(--black); outline: none;
}
input:focus, select:focus, textarea:focus { border-color: var(--blue); background: var(--white); }
textarea { min-height: 100px; resize: vertical; }
button[type="submit"] { border: 0; border-radius: var(--radius); background: var(--black); color: var(--white); min-height: 54px; padding: 16px 22px; font-size: 14px; font-weight: 800; cursor: pointer; transition: .2s ease; }
button[type="submit"]:hover { background: var(--blue); }
.form-status { display: none; min-height: 20px; color: #c0392b; font-size: 13px; font-weight: 700; }
.form-status.visible { display: block; }
.fine-print { color: var(--muted); font-size: 12px; line-height: 1.55; }
.form-divider { font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; color: var(--gold); border-top: 1px solid var(--line); padding-top: 14px; margin-top: 4px; }

/* ---------- MODAL ---------- */
.modal-overlay { display: none; position: fixed; inset: 0; background: rgba(6,6,6,.72); z-index: 200; align-items: center; justify-content: center; padding: 20px; overflow-y: auto; }
.modal-overlay.open { display: flex; }
.modal { position: relative; background: var(--white); border-radius: var(--radius); max-width: 560px; width: 100%; padding: 40px; max-height: 92vh; overflow-y: auto; }
.modal-header h2 { margin: 6px 0 8px; font-size: 26px; letter-spacing: -.02em; color: var(--black); }
.modal-header p { color: var(--muted); font-size: 14px; margin: 0 0 8px; }
.modal-close { position: absolute; top: 16px; right: 18px; background: none; border: none; font-size: 22px; cursor: pointer; color: var(--muted); line-height: 1; }
.modal-body { margin-top: 18px; }

/* ---------- BLOG GRID (index + cards) ---------- */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 1px; background: var(--line); border: 1px solid var(--line); margin-top: 44px; }
.blog-card { background: var(--white); padding: 26px 24px; display: block; transition: background .2s ease; }
.blog-card:hover { background: var(--soft); }
.blog-card h3 { margin: 0 0 8px; font-size: 19px; letter-spacing: -.01em; color: var(--black); }
.blog-card p { margin: 0; color: var(--muted); font-size: 14px; }

/* ---------- ARTICLE (blog post body) ---------- */
.article-head { max-width: 780px; margin: 0 auto; padding: 40px 0 32px; border-bottom: 1px solid var(--line); }
.breadcrumb { max-width: 780px; margin: 24px auto 0; font-size: 13px; color: var(--muted); }
.breadcrumb a { color: var(--muted); border-bottom: 1px solid var(--line); }
.article-head h1 { font-size: clamp(30px, 4.5vw, 46px); letter-spacing: -.03em; line-height: 1.06; margin: 0 0 14px; color: var(--black); }
.meta-row { display: flex; gap: 16px; flex-wrap: wrap; color: var(--muted); font-size: 13px; }
article.post { max-width: 780px; margin: 0 auto; padding: 44px 0 20px; }
article.post h2 { font-size: 26px; margin: 2.2em 0 .5em; letter-spacing: -.02em; color: var(--black); }
article.post h3 { font-size: 19px; margin: 1.5em 0 .5em; color: var(--black); }
article.post p { margin-bottom: 1.1em; color: var(--ink); font-size: 16.5px; line-height: 1.7; }
article.post ul, article.post ol { margin: 0 0 1.3em 1.4em; }
article.post li { margin-bottom: .5em; }
article.post strong { color: var(--black); }
.lede { font-size: 1.15rem; color: var(--muted); }
.pullquote { border-left: 3px solid var(--gold); padding: 4px 0 4px 20px; margin: 2em 0; font-style: italic; font-size: 1.15rem; color: var(--ink); }
.inline-cta { background: var(--black); color: var(--white); border-radius: var(--radius); padding: 28px; margin: 2.4em 0; text-align: center; }
.inline-cta p { color: rgba(255,255,255,.82); margin-bottom: 16px; font-size: 1rem; }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1040px) {
  .card-grid, .card-grid-3 { grid-template-columns: repeat(2, 1fr); }
  .who-grid { grid-template-columns: 1fr; }
  .markets-grid { grid-template-columns: repeat(2, 1fr); gap: 28px 20px; }
  .stats-strip-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .nav-links { display: none; }
}

@media (max-width: 1040px) {
  .mobile-loan-strip { display: flex; flex-wrap: wrap; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 30px, var(--max)); }
  .topline { display: none; }
  nav { min-height: 68px; gap: 12px; }
  .brand span { display: none; }
  .nav-cta { min-height: 40px; padding: 10px 12px; font-size: 13px; }
  .hero-inner { padding: 60px 0 56px; }
  .hero h1 { font-size: clamp(36px, 12vw, 52px); }
  .form-row, .card-grid, .markets-grid { grid-template-columns: 1fr; }
  section, .section-block { padding: 60px 0; }
  .cta-block { padding: 56px 20px; }
  .modal { padding: 26px; }
}