:root {
  --navy: #072f4f;
  --blue: #0d6e91;
  --teal: #1598a6;
  --coral: #f36f4f;
  --gold: #f7bd52;
  --ink: #172231;
  --muted: #5b6b7c;
  --sand: #f8f4ec;
  --white: #ffffff;
  --line: #d8e3ea;
  --shadow: 0 20px 50px rgba(7, 47, 79, 0.15);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 34px;
  padding: 20px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.brand img {
  display: block;
  width: clamp(230px, 30vw, 430px);
  height: auto;
}

.nav {
  display: flex;
  justify-content: center;
  gap: 14px;
  color: var(--navy);
  font-weight: 900;
  font-size: 1.24rem;
}

.nav a,
.header-call {
  text-decoration: none;
}

.nav a {
  display: inline-flex;
  min-height: 56px;
  align-items: center;
  justify-content: center;
  padding: 0 20px;
  border-bottom: 3px solid transparent;
  white-space: nowrap;
}

.header-call {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 72px;
  padding: 0 42px;
  border: 3px solid var(--navy);
  border-radius: 6px;
  color: var(--navy);
  font-weight: 900;
  font-size: 1.28rem;
  white-space: nowrap;
}

.hero {
  min-height: 78vh;
  display: flex;
  align-items: center;
  padding: clamp(48px, 8vw, 96px) clamp(18px, 5vw, 72px);
  background:
    linear-gradient(100deg, rgba(7, 47, 79, 0.94), rgba(13, 110, 145, 0.82)),
    url("/assets/home-mortgage-guys-logo.png") center 12% / min(1050px, 96vw) auto no-repeat;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 14px;
  background: linear-gradient(90deg, var(--teal), var(--gold), var(--coral));
}

.hero-inner {
  width: min(960px, 100%);
  position: relative;
  z-index: 1;
}

.hero-logo {
  display: block;
  width: min(640px, 96%);
  height: auto;
  margin: 0 0 34px;
  padding: 14px 18px;
  background: rgba(255, 255, 255, 0.94);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 940px;
  margin-bottom: 18px;
  font-size: clamp(2.4rem, 7vw, 5.8rem);
  line-height: 0.97;
  letter-spacing: 0;
}

.hero-copy {
  max-width: 720px;
  margin-bottom: 30px;
  color: rgba(255, 255, 255, 0.9);
  font-size: clamp(1.1rem, 2vw, 1.35rem);
  line-height: 1.55;
}

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

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 78px;
  padding: 0 48px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 900;
  font-size: 1.26rem;
}

.button.primary {
  background: var(--coral);
  color: var(--white);
}

.button.secondary {
  border: 2px solid rgba(255, 255, 255, 0.78);
  color: var(--white);
}

.button.secondary.light {
  border-color: var(--white);
  color: var(--white);
}

.button.secondary.dark {
  border: 2px solid var(--navy);
  color: var(--navy);
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  background: var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-strip div {
  padding: 22px clamp(18px, 3vw, 36px);
  background: var(--sand);
}

.label {
  display: block;
  margin-bottom: 4px;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
}

.trust-strip strong {
  color: var(--navy);
  font-size: 1.05rem;
}

.section {
  padding: clamp(58px, 8vw, 104px) clamp(18px, 5vw, 72px);
}

.page-hero {
  padding: clamp(58px, 8vw, 112px) clamp(18px, 5vw, 72px);
  background: linear-gradient(180deg, #f7fbfc, #edf6f8);
}

.page-hero h1 {
  max-width: 960px;
  margin-bottom: 18px;
  color: var(--navy);
}

.page-hero p:not(.eyebrow) {
  max-width: 780px;
  color: var(--muted);
  font-size: clamp(1.1rem, 2vw, 1.35rem);
  line-height: 1.6;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 34px;
}

.section-heading h2,
.feature-band h2,
.cta-section h2 {
  margin-bottom: 14px;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.4rem);
  line-height: 1.05;
  letter-spacing: 0;
}

.section-heading p:not(.eyebrow) {
  color: var(--muted);
  font-size: 1.08rem;
  line-height: 1.65;
}

.option-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.option-card {
  min-height: 190px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 10px 30px rgba(7, 47, 79, 0.06);
}

.option-card h3 {
  margin-bottom: 10px;
  color: var(--blue);
  font-size: 1.25rem;
}

.option-card p,
.process-list p,
.feature-list p,
.cta-section p,
.fine-print,
.site-footer p {
  color: var(--muted);
  line-height: 1.6;
}

.process-section {
  background: linear-gradient(180deg, #f7fbfc, #eef7f8);
}

.process-list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  padding: 0;
  margin: 0;
  list-style: none;
}

.process-list li {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 16px;
  padding: 26px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.process-list span {
  display: inline-flex;
  width: 48px;
  height: 48px;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  font-weight: 900;
}

.process-list h3 {
  margin-bottom: 8px;
  color: var(--navy);
}

.feature-band {
  display: grid;
  grid-template-columns: minmax(260px, 0.85fr) minmax(320px, 1fr);
  gap: clamp(30px, 6vw, 72px);
  align-items: start;
  background: var(--navy);
}

.feature-band h2 {
  color: var(--white);
}

.feature-list {
  display: grid;
  gap: 12px;
}

.feature-list p {
  margin: 0;
  padding: 18px 20px;
  color: var(--white);
  background: rgba(255, 255, 255, 0.1);
  border-left: 4px solid var(--gold);
  border-radius: 6px;
  font-weight: 700;
}

.blog-section {
  background: #fbfcfd;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.blog-card {
  display: flex;
  min-height: 310px;
  flex-direction: column;
  padding: 28px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 10px 30px rgba(7, 47, 79, 0.06);
}

.blog-date {
  margin-bottom: 14px;
  color: var(--coral);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
}

.blog-card h3 {
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 1.35rem;
  line-height: 1.18;
}

.blog-card h2 {
  margin-bottom: 12px;
  color: var(--navy);
  font-size: clamp(1.45rem, 2vw, 2rem);
  line-height: 1.12;
}

.blog-card p:not(.blog-date) {
  color: var(--muted);
  line-height: 1.65;
}

.blog-card a {
  margin-top: auto;
  color: var(--blue);
  font-weight: 900;
  text-decoration: none;
}

.cta-section {
  padding: clamp(64px, 9vw, 112px) clamp(18px, 5vw, 72px);
  background: linear-gradient(135deg, var(--teal), var(--blue));
  color: var(--white);
}

.cta-content {
  max-width: 780px;
}

.cta-section h2 {
  color: var(--white);
}

.cta-section p {
  max-width: 700px;
  color: rgba(255, 255, 255, 0.92);
  font-size: 1.08rem;
}

.cta-section p a {
  font-weight: 900;
}

.site-footer {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 24px;
  padding: 34px clamp(18px, 5vw, 72px);
  background: #071b2b;
  color: var(--white);
}

.site-footer p {
  margin-bottom: 4px;
  color: rgba(255, 255, 255, 0.76);
}

.fine-print {
  font-size: 0.88rem;
}

.compliance-footer {
  padding: 28px clamp(18px, 5vw, 72px) 34px;
  text-align: center;
  background: var(--white);
  border-top: 1px solid var(--line);
}

.compliance-footer p {
  margin: 0 auto;
}

.tagline {
  max-width: 780px;
  color: #07589b;
  font-family: "Brush Script MT", "Segoe Script", cursive;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  line-height: 1.05;
}

.company-line {
  max-width: 860px;
  margin-top: 22px;
  color: #687482;
  font-size: 0.92rem;
  line-height: 1.5;
}

.important-notice {
  max-width: 1040px;
  margin-top: 18px;
  color: #66727f;
  font-size: 0.9rem;
  line-height: 1.5;
}

@media (max-width: 900px) {
  .site-header {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 14px clamp(16px, 5vw, 28px);
  }

  .brand {
    justify-self: center;
  }

  .brand img {
    width: min(420px, 84vw);
  }

  .nav {
    order: 3;
    justify-content: center;
    flex-wrap: wrap;
    gap: 8px;
    width: 100%;
    overflow: visible;
    padding-bottom: 0;
    font-size: 0.98rem;
  }

  .nav a {
    min-height: 42px;
    padding: 0 12px;
  }

  .header-call {
    width: min(360px, 100%);
    min-height: 58px;
    justify-self: center;
    padding: 0 24px;
    font-size: 1.12rem;
  }

  .hero {
    min-height: auto;
    padding: 34px clamp(16px, 5vw, 32px) 42px;
    background:
      linear-gradient(135deg, rgba(7, 47, 79, 0.98), rgba(13, 110, 145, 0.92));
  }

  .hero-logo {
    width: min(340px, 100%);
    margin: 0 auto 22px;
    padding: 10px 12px;
  }

  h1 {
    font-size: clamp(2.2rem, 8vw, 3.8rem);
    line-height: 1.02;
  }

  .hero-copy {
    font-size: 1.05rem;
  }

  .button {
    min-height: 62px;
    padding: 0 28px;
    font-size: 1.08rem;
  }

  .trust-strip,
  .option-grid,
  .process-list,
  .blog-grid,
  .feature-band,
  .site-footer {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 560px) {
  .site-header {
    position: static;
    padding: 12px 16px 14px;
    gap: 10px;
  }

  .brand img {
    width: min(360px, 92vw);
  }

  .header-call {
    width: 100%;
    min-height: 48px;
    font-size: 1rem;
  }

  .nav {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 6px;
    font-size: 0.78rem;
  }

  .nav a {
    min-height: 38px;
    padding: 0 4px;
    background: #f7fbfc;
    border: 1px solid var(--line);
    border-radius: 6px;
  }

  .hero-logo {
    display: none;
  }

  .hero {
    padding: 28px 16px 34px;
  }

  h1 {
    margin-bottom: 14px;
    font-size: clamp(2rem, 10vw, 2.7rem);
    line-height: 1.03;
  }

  .hero-copy {
    margin-bottom: 22px;
    font-size: 1rem;
    line-height: 1.55;
  }

  .button {
    width: 100%;
    min-height: 56px;
    padding: 0 18px;
    font-size: 1rem;
  }

  .section,
  .page-hero,
  .cta-section {
    padding-right: 16px;
    padding-left: 16px;
  }

  .option-card,
  .process-list li,
  .blog-card {
    padding: 22px;
  }

  .trust-strip strong {
    overflow-wrap: anywhere;
  }
}