/* ============================================================
   Simmons Mortgage — Your mortgage BFF
   Black & white brand. Static site, Netlify-ready.
   ============================================================ */

:root{
  --ink:#111111;
  --ink-soft:#333333;
  --muted:#6b6b6b;
  --paper:#ffffff;
  --paper-warm:#faf9f7;
  --line:#e6e4e0;
  --line-strong:#111111;
  --accent:#F0654F;          /* Coral — the one brand accent. Change here to restyle site-wide. */
  --accent-strong:#d84a34;   /* darker coral for hovers */
  --shadow:0 18px 50px rgba(17,17,17,.10);
  --radius:16px;
  --wrap:1120px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:"Fraunces","Georgia",serif;
  font-weight:600;
  line-height:1.12;
  margin:0 0 .4em;
  letter-spacing:-.01em;
}
h1{font-size:clamp(2.4rem,6vw,4rem)}
h2{font-size:clamp(1.8rem,4vw,2.7rem)}
h3{font-size:1.3rem}
p{margin:0 0 1rem}
a{color:var(--ink);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.eyebrow{
  text-transform:uppercase;
  letter-spacing:.18em;
  font-size:.74rem;
  font-weight:700;
  color:var(--accent);
  margin:0 0 .8rem;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.5rem;
  padding:.85rem 1.5rem;
  border-radius:999px;
  font-weight:600;font-size:.98rem;
  border:1.5px solid var(--ink);
  transition:transform .15s ease,background .15s ease,color .15s ease;
  cursor:pointer;
}
.btn.solid{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn.solid:hover{transform:translateY(-2px);background:var(--accent-strong);border-color:var(--accent-strong)}
.btn.ghost{background:transparent;color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff;transform:translateY(-2px)}
.btn.small{padding:.55rem 1.1rem;font-size:.9rem}

/* ---------- Utility bar ---------- */
.util{background:var(--ink);color:#fff;font-size:.86rem}
.util .wrap{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding-top:.5rem;padding-bottom:.5rem}
.util a{color:#fff}
.util a:hover{color:var(--accent);text-decoration:underline}
.util .states{color:#c9c7c2;font-size:.8rem}

/* ---------- Header ---------- */
header.site{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.9);
  backdrop-filter:saturate(160%) blur(10px);
  border-bottom:1px solid var(--line);
}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.9rem;padding-bottom:.9rem}
.brand{display:flex;align-items:baseline;gap:.6rem;line-height:1}
.brand .name{font-family:"Fraunces",serif;font-size:1.5rem;font-weight:600;letter-spacing:-.01em}
.brand .sub{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;color:var(--muted)}
nav.main ul{display:flex;gap:1.6rem;list-style:none;margin:0;padding:0;align-items:center}
nav.main a{font-size:.95rem;font-weight:500;color:var(--ink-soft)}
nav.main a:hover{color:var(--accent)}
.nav-cta{display:flex;align-items:center;gap:.7rem}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer;color:var(--ink)}

/* ---------- Hero ---------- */
.hero{background:var(--paper-warm);border-bottom:1px solid var(--line);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center;padding-top:4.5rem;padding-bottom:4.5rem}
.hero h1 span{display:block}
.hero .tagline{
  font-family:"Fraunces",serif;font-style:italic;
  font-size:clamp(1.3rem,2.6vw,1.7rem);
  color:var(--accent);margin:.2rem 0 1.2rem;
}
.hero .lead{font-size:1.12rem;color:var(--ink-soft);max-width:36ch}
.hero .btn-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
.hero-badges{display:flex;flex-wrap:wrap;gap:1.2rem;margin-top:2rem;font-size:.82rem;color:var(--muted)}
.hero-badges span{display:flex;align-items:center;gap:.4rem}

/* headshot frame */
.portrait{
  position:relative;border-radius:var(--radius);overflow:hidden;
  aspect-ratio:4/5;background:var(--ink);box-shadow:var(--shadow);
}
.portrait img{width:100%;height:100%;object-fit:cover}
.portrait.placeholder{
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  color:#fff;text-align:center;gap:.4rem;padding:2rem;
  background:linear-gradient(160deg,#1a1a1a,#000);
}
.portrait.placeholder .ph-mark{font-family:"Fraunces",serif;font-size:3rem;line-height:1}
.portrait.placeholder small{color:#b9b7b2;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase}

/* ---------- Section rhythm ---------- */
section{padding:4.5rem 0}
.section-head{max-width:60ch;margin-bottom:2.4rem}
.alt{background:var(--paper-warm);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* ---------- About ---------- */
.about .wrap{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.about blockquote{
  font-family:"Fraunces",serif;font-size:1.35rem;line-height:1.4;
  border-left:3px solid var(--accent);padding-left:1.3rem;margin:0 0 1.4rem;color:var(--ink)
}
.about .signoff{font-weight:600}

/* ---------- Loan cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.card{
  border:1px solid var(--line);border-radius:var(--radius);
  padding:1.6rem;background:var(--paper);
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--accent)}
.card .ic{font-size:1.6rem;margin-bottom:.6rem;display:block}
.card h3{margin-bottom:.3rem}
.card p{font-size:.95rem;color:var(--muted);margin:0}

/* ---------- Process ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;counter-reset:step}
.step{position:relative;padding:1.5rem;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper)}
.step::before{
  counter-increment:step;content:counter(step,decimal-leading-zero);
  font-family:"Fraunces",serif;font-size:1.6rem;color:var(--accent);display:block;margin-bottom:.5rem
}
.step h3{font-size:1.1rem}
.step p{font-size:.92rem;color:var(--muted);margin:0}

/* ---------- Contact ---------- */
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:3rem}
.contact-info dl{margin:0}
.contact-info dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin-top:1.2rem}
.contact-info dd{margin:.15rem 0 0;font-size:1.05rem;font-weight:500}
.contact-info dd a:hover{text-decoration:underline}
.contact-ctas{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.8rem}

form.cg{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem}
form.cg label{display:block;font-size:.85rem;font-weight:600;margin:.9rem 0 .35rem}
form.cg input,form.cg textarea,form.cg select{
  width:100%;padding:.75rem .85rem;border:1px solid var(--line);border-radius:10px;
  font:inherit;color:var(--ink);background:#fff;
}
form.cg input:focus,form.cg textarea:focus,form.cg select:focus{outline:2px solid var(--ink);border-color:var(--ink)}
form.cg textarea{min-height:120px;resize:vertical}
form.cg .btn{margin-top:1.2rem;width:100%;justify-content:center}
form.cg .hp{position:absolute;left:-9999px}
.form-note{font-size:.78rem;color:var(--muted);margin-top:.9rem;text-align:center}
.form-note a{color:var(--accent);font-weight:600}
.form-note a:hover{text-decoration:underline}

/* ---------- Quote page ---------- */
.quote-intro{background:var(--paper-warm);border-bottom:1px solid var(--line);text-align:center;padding:3.5rem 0 3rem}
.quote-intro .lead{max-width:60ch;margin:.4rem auto 0;color:var(--ink-soft)}
.quote-jump{display:flex;gap:.7rem;justify-content:center;flex-wrap:wrap;margin-top:1.6rem}
.quote-section .cg{max-width:680px;margin:1.6rem auto 0}
.quote-head{max-width:640px;margin:0 auto;text-align:center}
.quote-head .ic{font-size:2rem;display:block;margin-bottom:.4rem}
.cg .row2{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
.cg input[type=file]{padding:.6rem;background:#fff;cursor:pointer}
.cg .field-hint{font-size:.78rem;color:var(--muted);margin:.3rem 0 0}
.cg .disclaimer{font-size:.78rem;color:var(--muted);margin-top:1rem;line-height:1.5}
@media (max-width:600px){.cg .row2{grid-template-columns:1fr}}

/* ---------- Footer & compliance ---------- */
footer.site{background:var(--ink);color:#dcdad5;padding:3.5rem 0 2rem;font-size:.9rem}
footer.site a{color:#fff}
footer.site a:hover{color:var(--accent);text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem;margin-bottom:2.4rem}
.foot-grid h4{color:#fff;font-family:"Inter",sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;margin:0 0 .9rem}
.foot-grid ul{list-style:none;margin:0;padding:0}
.foot-grid li{margin-bottom:.5rem}
.foot-brand .name{font-family:"Fraunces",serif;font-size:1.4rem;color:#fff;display:block;margin-bottom:.3rem}
.eho{display:flex;align-items:center;gap:.6rem;margin-top:1.1rem;color:#c9c7c2}
.eho svg{flex:none}
.compliance{border-top:1px solid #333;padding-top:1.6rem;font-size:.78rem;color:#9c9a95;line-height:1.55}
.compliance strong{color:#cfcdc8}
.compliance p{margin:0 0 .7rem}
.compliance .flag{background:#2a2a2a;border-left:3px solid #fff;padding:.7rem .9rem;border-radius:6px;color:#e7e5e0}

/* ---------- Reviews trust band ---------- */
.reviews-band{background:var(--ink);color:#fff;text-align:center;padding:3rem 0}
.reviews-band .stars{color:var(--accent);font-size:1.5rem;letter-spacing:.15em;line-height:1}
.reviews-band .rating-line{display:flex;align-items:center;justify-content:center;gap:.7rem;flex-wrap:wrap;margin:.6rem 0 .3rem}
.reviews-band .score{font-family:"Fraunces",serif;font-size:2.4rem;font-weight:600;line-height:1}
.reviews-band .count{font-size:1.05rem;color:#dcdad5}
.reviews-band .count strong{color:#fff}
.reviews-band p.sub{color:#b9b7b2;max-width:46ch;margin:.4rem auto 1.4rem;font-size:.98rem}
.reviews-band .btn.ghost{color:#fff;border-color:#fff}
.reviews-band .btn.ghost:hover{background:#fff;color:var(--ink)}
.reviews-band .g{font-weight:700}
.reviews-band .g .b{color:#4285F4}.reviews-band .g .r{color:#EA4335}.reviews-band .g .y{color:#FBBC05}.reviews-band .g .g2{color:#34A853}

/* ---------- Areas served ---------- */
.market-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1.2rem}
.market{border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;background:var(--paper)}
.market h3{display:flex;align-items:center;gap:.5rem;margin-bottom:.5rem}
.market .cities{color:var(--muted);font-size:.96rem;margin:0}
.market .cities strong{color:var(--ink);font-weight:600}
.market .cities a,.areas-note a{color:var(--accent);font-weight:600}
.market .cities a:hover,.areas-note a:hover{text-decoration:underline}
.areas-note{color:var(--muted);font-size:.9rem;margin-top:1.6rem}

/* ---------- FAQ (accessible <details>) ---------- */
.faq .wrap{max-width:820px}
.faq details{border-bottom:1px solid var(--line);padding:1.15rem 0}
.faq details:first-of-type{border-top:1px solid var(--line)}
.faq summary{
  cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem;
  font-family:"Fraunces",serif;font-size:1.18rem;font-weight:600;color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--accent)}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--accent);transition:transform .2s ease;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--ink-soft);margin:.9rem 0 0;max-width:72ch}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .market-grid{grid-template-columns:repeat(2,1fr)}
  .hero .wrap{grid-template-columns:1fr;gap:2.2rem}
  .portrait{max-width:360px;margin:0 auto}
  .about .wrap,.contact .wrap{grid-template-columns:1fr;gap:2rem}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  nav.main{
    position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);
    display:none;padding:1rem 0;box-shadow:var(--shadow);
  }
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;gap:0;align-items:stretch}
  nav.main li{padding:.2rem 24px}
  nav.main a{display:block;padding:.6rem 0}
  .menu-toggle{display:block}
  header.site .wrap{position:relative}
  .util .states{display:none}
  .cards,.steps,.foot-grid,.market-grid{grid-template-columns:1fr}
  .nav-cta .btn.ghost{display:none}
}