/* Anchor Lending Group — homepage mockup */
:root {
  --navy: #1A3042;
  --navy-deep: #122533;
  --navy-mid: #243F54;
  --gold: #C6A34D;
  --gold-light: #D4B86A;
  --gold-dark: #A8883A;
  --cream: #F7F3EB;
  --cream-dark: #EBE4D6;
  --ink: #1A3042;
  --muted: #5A6B76;
  --white: #FFFFFF;
  --shadow: 0 12px 40px rgba(26, 48, 66, 0.12);
  --radius: 4px;
  --header-h: 84px;
  --font-display: "Cormorant Garamond", "Times New Roman", Georgia, serif;
  --font-body: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }

body {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  width: min(1120px, calc(100% - 2.5rem));
  margin-inline: auto;
}

.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 0.75rem;
}

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy);
}

h1 { font-size: clamp(2.35rem, 5vw, 3.6rem); }
h2 { font-size: clamp(2rem, 3.5vw, 2.75rem); margin-bottom: 1rem; }
h3 { font-size: 1.45rem; margin-bottom: 0.5rem; }

.lead {
  font-size: 1.15rem;
  color: var(--muted);
  max-width: 40rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.9rem 1.55rem;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: 2px solid transparent;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background 0.2s, color 0.2s, border-color 0.2s, transform 0.15s;
}
.btn:hover { transform: translateY(-1px); }

.btn-gold {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); }

.btn-outline {
  background: transparent;
  color: var(--cream);
  border-color: rgba(198, 163, 77, 0.65);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold-light);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: rgba(26, 48, 66, 0.35);
}
.btn-outline-navy:hover {
  border-color: var(--navy);
  background: rgba(26, 48, 66, 0.04);
}

.btn-navy {
  background: var(--navy);
  color: var(--cream);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-mid); border-color: var(--navy-mid); }

.btn-row { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-top: 1.75rem; }

/* ——— Header ——— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  background: rgba(247, 243, 235, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(26, 48, 66, 0.08);
  box-shadow: 0 1px 0 rgba(198, 163, 77, 0.25);
}

.header-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
}

.logo-link { display: flex; align-items: center; flex-shrink: 0; }
.logo-link img { height: 64px; width: auto; }

.header-right {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.header-phone {
  display: none;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  letter-spacing: 0.02em;
  white-space: nowrap;
}
.header-phone span {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-dark);
}

.nav {
  display: flex;
  align-items: center;
  gap: 1.35rem;
}

.nav a {
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--navy);
  position: relative;
}
.nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.2s;
}
.nav a:hover::after { transform: scaleX(1); }

.nav-cta {
  padding: 0.55rem 1rem !important;
  background: var(--navy);
  color: var(--cream) !important;
  border-radius: var(--radius);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-size: 0.78rem !important;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { background: var(--navy-mid); color: var(--gold-light) !important; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--navy);
  color: var(--navy);
  padding: 0.4rem 0.65rem;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  cursor: pointer;
}

/* ——— Hero ——— */
.hero {
  position: relative;
  background:
    linear-gradient(135deg, rgba(18, 37, 51, 0.94) 0%, rgba(26, 48, 66, 0.9) 55%, rgba(36, 63, 84, 0.92) 100%),
    repeating-linear-gradient(
      -12deg,
      transparent,
      transparent 18px,
      rgba(198, 163, 77, 0.03) 18px,
      rgba(198, 163, 77, 0.03) 19px
    ),
    var(--navy-deep);
  color: var(--cream);
  padding: clamp(3.25rem, 7vw, 5.75rem) 0 clamp(3.5rem, 7vw, 5.5rem);
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 55% at 85% 20%, rgba(198, 163, 77, 0.14), transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 90%, rgba(198, 163, 77, 0.08), transparent 55%);
  pointer-events: none;
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2.75rem;
  align-items: center;
}

.hero .eyebrow { color: var(--gold-light); }
.hero h1 { color: var(--cream); margin-bottom: 1rem; }
.hero h1 em {
  font-style: italic;
  color: var(--gold-light);
  font-weight: 500;
}

.hero-copy {
  font-size: 1.12rem;
  color: rgba(247, 243, 235, 0.82);
  max-width: 36rem;
}

.loan-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.5rem;
}
.pill {
  padding: 0.42rem 0.85rem;
  border: 1px solid rgba(198, 163, 77, 0.45);
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-light);
  background: rgba(198, 163, 77, 0.08);
}

.hero-card {
  background: rgba(247, 243, 235, 0.06);
  border: 1px solid rgba(198, 163, 77, 0.35);
  border-radius: 6px;
  padding: 1.6rem 1.45rem;
  backdrop-filter: blur(6px);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.25);
}

.hero-card-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  color: var(--gold-light);
  margin-bottom: 1rem;
  padding-bottom: 0.8rem;
  border-bottom: 1px solid rgba(198, 163, 77, 0.3);
}

.stat-list { display: grid; gap: 0.95rem; }
.stat {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.8rem;
  align-items: start;
}
.stat-mark {
  width: 10px;
  height: 10px;
  margin-top: 0.45rem;
  background: var(--gold);
  border-radius: 1px;
  box-shadow: 0 0 0 3px rgba(198, 163, 77, 0.2);
}
.stat strong {
  display: block;
  font-size: 0.98rem;
  color: var(--cream);
  font-weight: 700;
}
.stat span {
  font-size: 0.9rem;
  color: rgba(247, 243, 235, 0.7);
}

.hero-anchor {
  position: absolute;
  right: -4%;
  bottom: -18%;
  width: min(400px, 36vw);
  opacity: 0.07;
  pointer-events: none;
  filter: grayscale(1) brightness(2);
}

/* ——— Highlights strip ——— */
.highlights {
  background: var(--navy);
  color: var(--cream);
  border-top: 3px solid var(--gold);
  border-bottom: 3px solid var(--gold);
  padding: 1.75rem 0;
}
.highlights-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  text-align: center;
}
.highlight-item strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.55rem;
  font-weight: 600;
  color: var(--gold-light);
  margin-bottom: 0.25rem;
}
.highlight-item span {
  font-size: 0.88rem;
  color: rgba(247, 243, 235, 0.75);
  line-height: 1.4;
}

/* ——— Section shared ——— */
.section { padding: clamp(3.25rem, 6.5vw, 5.25rem) 0; }
.section-head {
  text-align: center;
  max-width: 42rem;
  margin: 0 auto 2.75rem;
}
.section-head .lead { margin-inline: auto; }

.divider {
  width: 56px;
  height: 3px;
  background: var(--gold);
  margin: 0 auto 1.25rem;
}

/* ——— Loan programs ——— */
.programs {
  background: var(--white);
  border-bottom: 1px solid var(--cream-dark);
}

.program-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.15rem;
}

.program-card {
  background: var(--cream);
  border: 1px solid var(--cream-dark);
  border-top: 3px solid var(--gold);
  border-radius: 4px;
  padding: 1.5rem 1.25rem 1.6rem;
  box-shadow: var(--shadow);
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
}
.program-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 44px rgba(26, 48, 66, 0.16);
}

.program-icon {
  width: 40px;
  height: 40px;
  margin-bottom: 0.9rem;
  color: var(--navy);
}
.program-icon svg { width: 100%; height: 100%; }

.program-card p {
  font-size: 0.95rem;
  color: var(--muted);
  flex: 1;
}

.program-meta {
  margin-top: 1rem;
  padding-top: 0.85rem;
  border-top: 1px solid var(--cream-dark);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
}

/* ——— Rates ——— */
.rates {
  background: linear-gradient(180deg, var(--cream) 0%, #F3EEE4 100%);
}
.rates-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 2.5rem;
  align-items: center;
}
.rates-panel {
  background: var(--white);
  border: 1px solid var(--cream-dark);
  border-left: 4px solid var(--gold);
  padding: 1.75rem 1.5rem;
  box-shadow: var(--shadow);
}
.rate-rows { display: grid; gap: 0.85rem; margin-top: 0.5rem; }
.rate-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: baseline;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--cream-dark);
}
.rate-row:last-child { border-bottom: 0; padding-bottom: 0; }
.rate-row strong { color: var(--navy); font-size: 0.98rem; }
.rate-row span {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-align: right;
}
.rates-note {
  margin-top: 1rem;
  font-size: 0.9rem;
  color: var(--muted);
}

/* ——— Process ——— */
.process {
  background: var(--navy-deep);
  color: var(--cream);
}
.process .eyebrow { color: var(--gold-light); }
.process h2 { color: var(--cream); }
.process .lead { color: rgba(247, 243, 235, 0.75); }
.process .divider { margin-left: auto; margin-right: auto; }

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.35rem;
}
.process-card {
  background: rgba(247, 243, 235, 0.05);
  border: 1px solid rgba(198, 163, 77, 0.28);
  border-radius: 6px;
  padding: 1.6rem 1.35rem;
}
.process-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.65rem;
}
.process-card h3 { color: var(--cream); font-size: 1.3rem; }
.process-card p { color: rgba(247, 243, 235, 0.72); font-size: 0.95rem; }

/* ——— Portal ——— */
.portal {
  background: var(--white);
  border-top: 1px solid var(--cream-dark);
  border-bottom: 1px solid var(--cream-dark);
}
.portal-box {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 2rem;
  align-items: center;
  background: var(--cream);
  border: 1px solid var(--cream-dark);
  border-radius: 6px;
  padding: clamp(1.5rem, 4vw, 2.25rem);
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.portal-box::before {
  content: "";
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 5px;
  background: var(--gold);
}
.portal-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin-bottom: 0.85rem;
  padding: 0.35rem 0.7rem;
  background: var(--navy);
  color: var(--gold-light);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  border-radius: var(--radius);
}
.portal-features {
  margin-top: 1.1rem;
  display: grid;
  gap: 0.55rem;
}
.portal-features li {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
}
.portal-features li::before {
  content: "";
  flex-shrink: 0;
  width: 8px;
  height: 8px;
  margin-top: 0.45rem;
  background: var(--gold);
  border-radius: 1px;
}
.portal-cta-card {
  background: var(--navy);
  color: var(--cream);
  border-radius: 6px;
  padding: 1.6rem 1.4rem;
  text-align: center;
}
.portal-cta-card h3 {
  color: var(--gold-light);
  margin-bottom: 0.65rem;
}
.portal-cta-card p {
  color: rgba(247, 243, 235, 0.75);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
}
.portal-cta-card .btn { width: 100%; }
.portal-fine {
  margin-top: 0.85rem;
  font-size: 0.78rem;
  color: rgba(247, 243, 235, 0.5);
}

/* ——— About ——— */
.about {
  background: linear-gradient(180deg, var(--cream) 0%, #F3EEE4 100%);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.75rem;
  align-items: center;
}
.about-panel {
  background: var(--white);
  border: 1px solid var(--cream-dark);
  border-left: 4px solid var(--gold);
  padding: 1.85rem 1.6rem;
  box-shadow: var(--shadow);
}
.about-panel h3 { font-size: 1.35rem; margin-bottom: 0.85rem; }
.about-panel p + p { margin-top: 0.85rem; }
.about-panel p { color: var(--muted); }
.about-bullets {
  margin-top: 1.15rem;
  display: grid;
  gap: 0.6rem;
}
.about-bullets li {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
}
.about-bullets li::before {
  content: "";
  flex-shrink: 0;
  width: 8px;
  height: 8px;
  margin-top: 0.45rem;
  background: var(--gold);
  border-radius: 1px;
}
.ri-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  margin-top: 1.4rem;
  padding: 0.7rem 1rem;
  background: var(--navy);
  color: var(--cream);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border-radius: var(--radius);
}
.ri-badge span { color: var(--gold-light); }

/* ——— FAQ ——— */
.faq { background: var(--white); border-top: 1px solid var(--cream-dark); }
.faq-list {
  max-width: 820px;
  margin: 0 auto;
  display: grid;
  gap: 0.85rem;
}
.faq-item {
  background: var(--cream);
  border: 1px solid var(--cream-dark);
  border-radius: 4px;
  padding: 1.15rem 1.25rem;
}
.faq-item h3 {
  font-size: 1.15rem;
  margin-bottom: 0.45rem;
}
.faq-item p {
  color: var(--muted);
  font-size: 0.98rem;
}

/* ——— Contact CTA ——— */
.contact {
  background: var(--navy-deep);
  color: var(--cream);
  position: relative;
  overflow: hidden;
}
.contact::after {
  content: "";
  position: absolute;
  top: -40%;
  right: -10%;
  width: 480px;
  height: 480px;
  background: radial-gradient(circle, rgba(198, 163, 77, 0.15), transparent 65%);
  pointer-events: none;
}
.contact-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2.5rem;
  align-items: center;
}
.contact h2 { color: var(--cream); }
.contact .lead { color: rgba(247, 243, 235, 0.78); }
.contact-card {
  background: rgba(247, 243, 235, 0.05);
  border: 1px solid rgba(198, 163, 77, 0.4);
  border-radius: 6px;
  padding: 1.75rem 1.6rem;
}
.contact-card h3 {
  color: var(--gold-light);
  font-size: 1.4rem;
  margin-bottom: 1.1rem;
}
.contact-lines { display: grid; gap: 1rem; }
.contact-line { display: grid; gap: 0.15rem; }
.contact-line .label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}
.contact-line a,
.contact-line .value {
  font-size: 1.12rem;
  font-weight: 600;
  color: var(--cream);
}
.contact-line a:hover { color: var(--gold-light); }
.contact-actions { margin-top: 1.5rem; display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* ——— Footer ——— */
.site-footer {
  background: #0E1C28;
  color: rgba(247, 243, 235, 0.65);
  padding: 2rem 0;
  font-size: 0.9rem;
}
.footer-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--cream);
  font-weight: 700;
  letter-spacing: 0.04em;
}
.footer-brand img { height: 40px; width: auto; opacity: 0.9; }
.footer-meta { text-align: right; }
.footer-meta a { color: var(--gold-light); }
.footer-meta a:hover { text-decoration: underline; }
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  width: 100%;
  justify-content: center;
  margin-top: 0.5rem;
  font-size: 0.85rem;
}
.footer-links a:hover { color: var(--gold-light); }
.mock-note {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(247, 243, 235, 0.1);
  font-size: 0.75rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: rgba(247, 243, 235, 0.4);
  width: 100%;
  text-align: center;
}

/* ——— Responsive ——— */
@media (min-width: 900px) {
  .header-phone { display: block; }
}

@media (max-width: 980px) {
  .hero-grid,
  .about-grid,
  .contact-inner,
  .rates-grid,
  .portal-box { grid-template-columns: 1fr; }
  .program-grid { grid-template-columns: repeat(2, 1fr); }
  .highlights-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
  .process-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 440px; }
}

@media (max-width: 720px) {
  :root { --header-h: 72px; }
  .logo-link img { height: 52px; }
  .nav-toggle { display: inline-flex; }
  .header-right { gap: 0.75rem; }
  .nav {
    display: none;
    position: absolute;
    top: var(--header-h);
    left: 0; right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--cream);
    border-bottom: 1px solid var(--cream-dark);
    padding: 0.5rem 1.25rem 1rem;
    box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a { padding: 0.75rem 0; border-bottom: 1px solid var(--cream-dark); }
  .nav a::after { display: none; }
  .nav-cta { text-align: center; margin-top: 0.5rem; }
  .program-grid,
  .highlights-grid { grid-template-columns: 1fr; }
  .footer-inner { flex-direction: column; text-align: center; }
  .footer-meta { text-align: center; }
  .site-header { position: relative; }
  .header-inner { position: relative; }
}