/* ============================================================
   ReadMe Mortgage design system (2026-10-19 upgrade)
   Brand: warm cream, citrus orange #CF772B, deep warm ink.
   Georgia serif headings, clean sans body. Mobile first.
   ============================================================ */

:root{
  --bg:#FFF9ED;
  --bg-alt:#F7F2E3;
  --surface:#FFFFFF;
  --ink:#2B2118;
  --body:#4A3F33;
  --muted:#6E6151;
  --accent:#CF772B;
  --accent-deep:#8A4E1A;
  --accent-soft:#FBEEDD;
  --line:#EDDCBE;
  --line-dark:#D9C391;
  --success:#486040;
  --error:#A33327;
  --radius:16px;
  --radius-lg:26px;
  --radius-pill:999px;
  --shadow:0 18px 40px rgba(90,58,20,.12);
  --maxw:1080px;
  --font-head:Georgia,'Times New Roman',serif;
  --font-body:Arial,Helvetica,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}

body{
  margin:0;
  background:var(--bg);
  color:var(--body);
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
@media(min-width:760px){body{font-size:17px}}

img,svg{max-width:100%}
p{margin:0 0 1.05em}
::selection{background:var(--accent);color:#fff}

a{color:var(--accent-deep);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--ink)}

a:focus-visible,button:focus-visible,input:focus-visible,[tabindex]:focus-visible,summary:focus-visible{
  outline:3px solid var(--accent-deep);
  outline-offset:3px;
  border-radius:6px;
}

.wrap{width:min(var(--maxw),calc(100% - 48px));margin-inline:auto}
@media(max-width:700px){.wrap{width:calc(100% - 34px)}}

.skip-link{
  position:absolute;left:-9999px;top:0;z-index:100;
  background:var(--accent-deep);color:#fff;
  padding:12px 18px;border-radius:0 0 10px 0;font-weight:700;text-decoration:none;
}
.skip-link:focus{left:0;color:#fff}

/* ---------- Headings ---------- */
h1,h2,h3,h4{
  font-family:var(--font-head);font-weight:700;color:var(--ink);
  line-height:1.15;margin:0 0 .5em;
}
h1{font-size:clamp(36px,5.2vw,58px)}
h2{font-size:clamp(27px,3.6vw,40px)}
h3{font-size:22px}
h4{font-size:18px}
.accent-i{font-style:italic;font-weight:400;color:var(--accent-deep)}

eyebrow,.eyebrow{
  text-transform:uppercase;letter-spacing:2.4px;font-size:11px;
  color:var(--accent-deep);font-weight:700;margin:0 0 16px;
}
.num{
  display:inline-block;font-family:var(--font-body);font-size:12px;font-weight:700;
  letter-spacing:2px;color:var(--accent-deep);margin-bottom:10px;
}
.num::after{content:'';display:block;width:34px;height:3px;background:var(--accent);border-radius:2px;margin-top:8px}

.lede,.lead{font-size:18px;color:var(--body)}
.small{font-size:14px}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,249,237,.94);
  backdrop-filter:saturate(150%) blur(8px);
  -webkit-backdrop-filter:saturate(150%) blur(8px);
  border-bottom:1px solid var(--line);
}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 0;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand:hover{color:var(--ink)}
.brand-icon{display:block;width:42px;height:46px;flex-shrink:0}
.wordmark{font-size:22px;font-weight:800;line-height:1.02;letter-spacing:-.5px;font-family:var(--font-body)}
.wordmark-light{font-weight:400;color:var(--accent-deep)}
.wordmark small{
  display:block;font-size:8px;letter-spacing:2.6px;font-weight:600;
  text-transform:uppercase;margin-top:6px;color:var(--muted);
}
.nav-toggle{
  display:none;background:var(--surface);border:1px solid var(--line-dark);
  border-radius:10px;padding:10px 14px;font-size:14px;font-weight:700;color:var(--ink);cursor:pointer;
}
.site-nav{display:flex;align-items:center;gap:4px;font-size:14px;font-weight:600}
.site-nav a{padding:10px 14px;border-radius:var(--radius-pill);text-decoration:none;color:var(--ink);transition:background .18s}
.site-nav a:hover{background:var(--accent-soft);color:var(--ink)}
.site-nav a[aria-current="page"]{color:var(--accent-deep);background:var(--accent-soft)}
.site-nav a.nav-cta{border:1px solid var(--accent-deep);color:var(--accent-deep);background:var(--surface)}
.site-nav a.nav-cta:hover{background:var(--accent-deep);color:#fff}
.site-nav a.phone-link{color:var(--accent-deep);font-weight:700;white-space:nowrap}
@media(max-width:760px){
  .nav-toggle{display:inline-flex;align-items:center;gap:8px}
  .site-nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding:8px 0 12px}
  .site-nav.open{display:flex}
  .site-nav a{padding:12px 14px}
}

/* ---------- Buttons ---------- */
.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero .actions,.center-actions{justify-content:center}
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:15px 26px;background:var(--accent-deep);color:#fff;
  border:1px solid var(--accent-deep);border-radius:12px;
  font-size:15px;font-weight:700;cursor:pointer;text-decoration:none;
  transition:background .18s,transform .15s;
}
.btn:hover{background:#74400F;border-color:#74400F;color:#fff;transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-ghost{background:transparent;color:var(--accent-deep);border:1px solid var(--accent-deep)}
.btn-ghost:hover{background:var(--accent-soft);color:var(--accent-deep)}
@media(max-width:700px){.actions .btn{flex:1 1 100%;justify-content:center}}

/* ---------- Hero ---------- */
.hero{padding:72px 0 54px;text-align:center}
.hero h1{max-width:900px;margin-inline:auto}
.hero .lede{max-width:700px;margin:0 auto 1.05em}
.chip{
  display:inline-flex;align-items:center;gap:9px;
  background:var(--accent-soft);color:var(--accent-deep);border:1px solid var(--line);
  padding:8px 16px;border-radius:var(--radius-pill);font-size:12px;font-weight:700;
}
.status-dot{height:7px;width:7px;border-radius:50%;background:var(--accent);animation:pulse 2.4s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(207,119,43,.45)}70%{box-shadow:0 0 0 9px rgba(207,119,43,0)}100%{box-shadow:0 0 0 0 rgba(207,119,43,0)}}
.hero-badges{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:22px}

/* ---------- Landscape illustration (kept from the original site) ---------- */
.landscape{width:min(1120px,calc(100% - 48px));margin:0 auto;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.landscape svg{display:block;width:100%;height:auto}
.landscape-caption{background:var(--surface);color:var(--muted);padding:16px 26px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px}
@media(max-width:700px){.landscape-caption{flex-direction:column;gap:4px}}

.local-strip .wrap{display:flex;flex-wrap:wrap;gap:14px 34px;justify-content:center;font-size:11px;text-transform:uppercase;letter-spacing:1.6px;color:var(--muted);padding:26px 0}
.local-strip span{display:inline-flex;align-items:center;gap:12px}
.local-strip span::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--accent)}

/* ---------- Sections and cards ---------- */
.section{padding:64px 0}
.section.alt{background:var(--bg-alt)}
.section-head{max-width:760px;margin:0 0 38px}
.section-head.center{margin-inline:auto;text-align:center}
.section-head.center .num::after{margin-inline:auto}
.section-head p{color:var(--body)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:0 4px 14px rgba(90,58,20,.05);
}
.card h3{margin-bottom:.35em}
.card p{color:var(--body);margin-bottom:0;font-size:15px}
.card p + p{margin-top:.7em}
.icon{
  display:inline-grid;place-items:center;width:52px;height:52px;border-radius:14px;
  background:var(--accent-soft);color:var(--accent-deep);margin-bottom:18px;
}
.icon svg{width:26px;height:26px}
.card .card-link{font-weight:700}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;counter-reset:step}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.step .step-num{font-family:var(--font-head);font-style:italic;font-size:30px;color:var(--accent);line-height:1;display:block;margin-bottom:12px}
.step h3{margin-bottom:.35em}
.step p{margin:0;font-size:15px}

/* ---------- Meet Kevin ---------- */
.meet{display:grid;grid-template-columns:210px minmax(0,1fr);gap:36px;align-items:start}
@media(max-width:820px){.meet{grid-template-columns:1fr}}
.portrait{
  display:block;width:100%;max-width:210px;height:auto;aspect-ratio:1/1;object-fit:cover;
  border-radius:var(--radius-lg);border:1px solid var(--line);box-shadow:var(--shadow);background:var(--bg-alt);
}
.portrait-caption{font-size:13px;color:var(--muted);margin-top:10px}
@media(max-width:820px){.meet{gap:24px}.portrait{max-width:164px}.portrait-caption{max-width:260px}}
@media(max-width:520px){.portrait{max-width:136px}.meet{gap:20px}}
.fact-list{list-style:none;margin:22px 0 0;padding:0}
.fact-list li{padding:10px 0;border-top:1px solid var(--line);font-size:15px}
.fact-list li strong{color:var(--ink)}

/* ---------- Service area ---------- */
.area-list{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin:0;padding:0}
.area-list li{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-pill);
  padding:9px 18px;font-size:14px;font-weight:600;color:var(--ink);
}

/* ---------- Notify / forms ---------- */
.notify{
  display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:center;
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:40px 44px;margin:12px 0 64px;box-shadow:var(--shadow);
}
.notify h2{margin:.2em 0 .3em}
.notify p.small{color:var(--body);font-size:14px;margin-bottom:0}
@media(max-width:860px){.notify{grid-template-columns:1fr;padding:32px 26px;gap:22px}}
.notify-form{display:flex;flex-wrap:wrap;gap:12px}
.field{flex:1 1 220px;min-width:0}
.field label{display:block;font-size:13px;font-weight:700;color:var(--ink);margin-bottom:6px}
input[type=email],input[type=text],input[type=tel],textarea,select{
  width:100%;padding:14px 16px;border-radius:10px;border:1px solid var(--line-dark);
  background:#fff;color:var(--ink);font-size:15px;font-family:var(--font-body);
}
input::placeholder,textarea::placeholder{color:#9A8B76}
.honeypot{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{flex-basis:100%;font-size:12px;color:var(--muted);margin:2px 0 0}
.status-msg{flex-basis:100%;font-size:14px;font-weight:700;margin:6px 0 0;display:none}
.status-msg.ok{display:block;color:var(--success)}
.status-msg.err{display:block;color:var(--error)}
.contact-form{display:grid;gap:16px;max-width:640px}
.contact-form .btn{justify-self:start}
@media(max-width:700px){.contact-form .btn{width:100%;justify-content:center}}

/* ---------- Notice / disclaimer ---------- */
.notice{
  background:var(--accent-soft);border:1px solid var(--line);
  border-left:4px solid var(--accent);border-radius:12px;
  padding:22px 26px;margin:30px 0;
}
.notice h2,.notice h3{margin:0 0 .35em;font-size:19px}
.notice p{margin:0;font-size:15px}
.notice p + p{margin-top:.7em}

/* ---------- Launch banner ---------- */
.launch-banner{
  display:flex;align-items:center;gap:28px;flex-wrap:wrap;
  background:var(--surface);border:1px solid var(--line);
  padding:34px 40px;border-radius:var(--radius-lg);margin-bottom:68px;box-shadow:var(--shadow);
}
.launch-banner img{width:84px;height:92px;flex-shrink:0}
.launch-banner .eyebrow{margin-bottom:8px}
.launch-banner h2{font-size:30px;margin:0 0 8px}
.launch-banner p{font-size:14px;margin:0}
.launch-banner .btn{margin-left:auto}
@media(max-width:860px){.launch-banner .btn{margin-left:0}}

/* ---------- Prose and guides ---------- */
.prose-wrap{max-width:760px;margin:0 auto;padding:64px 0}
.prose{max-width:760px;margin:0 auto;padding:56px 0 64px}
.prose h1{font-size:clamp(34px,4.6vw,52px)}
.prose h2{margin-top:1.4em}
.prose h3{margin-top:1.2em}
.prose ul,.prose ol{margin:0 0 1.1em;padding-left:1.4em}
.prose li{margin-bottom:.45em}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:15px;background:var(--surface)}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--bg-alt);color:var(--ink);font-weight:700}
.prose .worked-example{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px 28px;margin:0 0 1.4em}
.prose .worked-example h3{margin-top:0}
.checklist{list-style:none;padding:0;margin:0 0 1.1em}
.checklist li{padding:10px 0 10px 34px;position:relative;border-bottom:1px solid var(--line)}
.checklist li::before{content:'';position:absolute;left:2px;top:14px;width:16px;height:16px;border:2px solid var(--accent);border-radius:4px;background:var(--surface)}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:18px}
.breadcrumb a{font-weight:600}
.guide-meta{font-size:13px;color:var(--muted);margin-bottom:26px}
.back{margin-top:36px}
.back a{font-weight:700}

/* ---------- FAQ ---------- */
.faq{max-width:820px}
.faq details{
  background:var(--surface);border:1px solid var(--line);border-radius:12px;
  padding:18px 22px;margin-bottom:12px;
}
.faq summary{font-family:var(--font-head);font-size:18px;font-weight:700;color:var(--ink);cursor:pointer}
.faq details p{margin:.7em 0 0;font-size:15px}

/* ---------- Footer ---------- */
.site-footer{background:#2B2118;color:#E9DFCE;padding:52px 0 40px;margin-top:20px}
.site-footer .wrap{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:36px}
@media(max-width:820px){.site-footer .wrap{grid-template-columns:1fr}}
.site-footer .brand{color:#FFF9ED}
.site-footer .wordmark-light{color:#F0A75C}
.site-footer .wordmark small{color:#B9A98F}
.site-footer h3{font-family:var(--font-body);font-size:13px;letter-spacing:2px;text-transform:uppercase;color:#F0A75C;margin:6px 0 14px}
.site-footer p{margin:0 0 8px;font-size:14px;color:#E9DFCE}
.site-footer a{color:#FFF9ED}
.site-footer a:hover{color:#F0A75C}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:8px;font-size:14px}
.footer-bottom{border-top:1px solid #4A3F33;margin-top:36px;padding-top:22px}
.fineprint{color:#CBBdA4!important;font-size:12.5px!important;line-height:1.6}
.fineprint.block{max-width:none;background:var(--accent-soft);border:1px solid var(--line);border-radius:12px;padding:16px 18px;color:var(--body)!important}
.disclaimer{font-size:13px;color:#E9DFCE;border:1px solid #4A3F33;border-radius:12px;padding:16px 18px;margin-top:18px}

/* ---------- 404 ---------- */
.error-code{font-family:var(--font-head);font-size:84px;font-weight:700;color:var(--accent);line-height:1;margin:0 0 10px}

@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}