/* =========================================================
   JC Loan Officer — Homepage Stylesheet
   Palette: warm off-white base, muted deep navy accent
   Type: Plus Jakarta Sans (display) + Inter (body)
   ========================================================= */

:root {
  /* Color */
  --bg: #FAF8F4;
  --bg-soft: #F1EEE6;
  --white: #FFFFFF;
  --ink: #22252A;
  --ink-soft: #5B5F66;
  --ink-faint: #85888E;
  --accent: #1E3358;
  --accent-hover: #16253F;
  --accent-soft: #E8ECF2;
  --border: #DEDAD0;
  --border-strong: #C9C4B6;
  --focus: #B0552E;

  /* Type */
  --font-display: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  --font-body: "Inter", "Segoe UI", sans-serif;

  /* Scale */
  --step--1: clamp(0.85rem, 0.82rem + 0.15vw, 0.92rem);
  --step-0: clamp(1rem, 0.96rem + 0.2vw, 1.05rem);
  --step-1: clamp(1.15rem, 1.08rem + 0.35vw, 1.3rem);
  --step-2: clamp(1.4rem, 1.28rem + 0.6vw, 1.7rem);
  --step-3: clamp(1.75rem, 1.5rem + 1.2vw, 2.3rem);
  --step-4: clamp(2.2rem, 1.8rem + 2vw, 3.2rem);
  --step-5: clamp(2.6rem, 2rem + 3vw, 4rem);

  /* Layout */
  --content-max: 1180px;
  --content-pad: clamp(1.25rem, 4vw, 3rem);
  --radius-sm: 3px;
  --radius-md: 4px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; height: auto; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--font-display); margin: 0; color: var(--ink); font-weight: 600; letter-spacing: -0.01em; }
p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }
button { font-family: inherit; cursor: pointer; }

:focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 3px;
}

.container {
  max-width: var(--content-max);
  margin-inline: auto;
  padding-inline: var(--content-pad);
}

.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -3rem;
  background: var(--accent);
  color: var(--white);
  padding: 0.6rem 1rem;
  border-radius: var(--radius-sm);
  z-index: 200;
  transition: top 0.15s ease;
}
.skip-link:focus { top: 1rem; }

/* ---------- Buttons & links ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.5rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--step--1);
  text-decoration: none;
  border: 1px solid transparent;
  transition: background-color 0.15s ease, color 0.15s ease, border-color 0.15s ease;
  min-height: 44px;
}
.btn-primary {
  background: var(--accent);
  color: var(--white);
}
.btn-primary:hover { background: var(--accent-hover); }
.btn-secondary {
  background: transparent;
  color: var(--accent);
  border-color: var(--accent);
}
.btn-secondary:hover { background: var(--accent-soft); }
.btn-block { width: 100%; }

.text-link {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: var(--border-strong);
  font-weight: 500;
}
.text-link:hover { text-decoration-color: var(--accent); }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 248, 244, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: 0.9rem;
  gap: 1rem;
}
.logo {
  font-family: var(--font-display);
  font-size: var(--step-1);
  font-weight: 700;
  text-decoration: none;
  color: var(--ink);
  white-space: nowrap;
}
.logo span { color: var(--accent); }

.primary-nav { display: none; }
.primary-nav ul {
  display: flex;
  align-items: center;
  gap: 1.9rem;
}
.primary-nav a {
  text-decoration: none;
  font-weight: 500;
  font-size: var(--step--1);
  color: var(--ink-soft);
  padding: 0.4rem 0.1rem;
  border-bottom: 2px solid transparent;
}
.primary-nav a:hover { color: var(--ink); border-bottom-color: var(--accent); }

.has-dropdown { position: relative; }
.dropdown-toggle {
  background: none;
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  font: inherit;
  font-weight: 500;
  font-size: var(--step--1);
  color: var(--ink-soft);
  padding: 0.4rem 0.1rem;
  border-bottom: 2px solid transparent;
}
.dropdown-toggle:hover { color: var(--ink); border-bottom-color: var(--accent); }
.dropdown-toggle svg { width: 11px; height: 11px; transition: transform 0.15s ease; }
.has-dropdown[data-open="true"] .dropdown-toggle svg { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 0.6rem);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  min-width: 240px;
  padding: 0.5rem;
  display: none;
  box-shadow: 0 8px 24px rgba(34, 37, 42, 0.08);
}
.has-dropdown[data-open="true"] .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block;
  padding: 0.55rem 0.7rem;
  border-radius: var(--radius-sm);
  font-size: var(--step--1);
  color: var(--ink);
  text-decoration: none;
  border-bottom: none !important;
}
.dropdown-menu a:hover { background: var(--bg-soft); }

.header-actions {
  display: flex;
  /*align-items: center;*/
  align-items: stretch;
  gap: 0.75rem;
}
.lang-switch {
  display: flex;
  flex-direction: column;
  align-items: center;
  font-size: var(--step--1);
  font-weight: 500;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.lang-switch a {
  padding: 0.4rem 0.65rem;
  text-decoration: none;
  color: var(--ink-soft);
}
.lang-switch a[aria-current="true"] {
  background: var(--accent-soft);
  color: var(--accent);
}

.menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: transparent;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
}
.menu-toggle span,
.menu-toggle::before,
.menu-toggle::after {
  content: "";
  display: block;
  width: 18px;
  height: 2px;
  background: var(--ink);
  position: relative;
}
.menu-toggle { flex-direction: column; gap: 4px; }

.mobile-nav {
  display: none;
  border-top: 1px solid var(--border);
  background: var(--bg);
}
.mobile-nav[data-open="true"] { display: block; }
.mobile-nav .container { padding-block: 1rem; }
.mobile-nav ul { display: flex; flex-direction: column; }
.mobile-nav a, .mobile-nav .mobile-dropdown-toggle {
  display: block;
  width: 100%;
  text-align: left;
  padding: 0.85rem 0.2rem;
  border-bottom: 1px solid var(--border);
  text-decoration: none;
  color: var(--ink);
  font-weight: 500;
  background: none;
  border-left: none; border-right: none; border-top: none;
  font-size: var(--step-0);
}
.mobile-sub { padding-left: 1rem; display: none; }
.mobile-sub[data-open="true"] { display: block; }
.mobile-sub a { border-bottom: 1px dashed var(--border); color: var(--ink-soft); font-size: var(--step--1); }
.mobile-lang { display: flex; gap: 0.75rem; padding-top: 1rem; }
.mobile-lang a { border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 0.5rem 0.9rem; }

@media (min-width: 900px) {
  .primary-nav { display: block; }
  .menu-toggle, .mobile-nav { display: none; }
}

/* ---------- Section rhythm ---------- */
section { padding-block: clamp(3rem, 7vw, 5.5rem); }
.section-soft { background: var(--bg-soft); }
.section-head {
  max-width: 640px;
  margin-bottom: clamp(2rem, 4vw, 3rem);
}
.section-head h2 { font-size: var(--step-3); }
.section-head p { margin-top: 0.85rem; color: var(--ink-soft); font-size: var(--step-0); }

/* ---------- Hero ---------- */
.hero .container {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 5vw, 3.5rem);
  align-items: center;
  padding-block: clamp(2.5rem, 6vw, 4.5rem);
}
.hero-copy h1 {
  font-size: var(--step-5);
  line-height: 1.08;
}
.hero-copy .lede {
  margin-top: 1.25rem;
  font-size: var(--step-1);
  color: var(--ink-soft);
  max-width: 46ch;
}
.hero-meta {
  margin-top: 1rem;
  font-size: var(--step--1);
  color: var(--ink-faint);
}
.hero-cta {
  margin-top: 2rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}
.hero-media {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--white);
}
.placeholder-img {
  aspect-ratio: 4 / 5;
  background: linear-gradient(160deg, var(--bg-soft), var(--white));
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 1.5rem;
  color: var(--ink-faint);
  font-size: var(--step--1);
  border: 1px dashed var(--border-strong);
  margin: 10px;
  border-radius: var(--radius-sm);
}

@media (min-width: 900px) {
  .hero .container { grid-template-columns: 1.15fr 0.85fr; }
}

/* ---------- Trust strip ---------- */
.trust-strip {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: var(--white);
}
.trust-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem 2.5rem;
  align-items: flex-start;
  justify-content: space-between;
  padding-block: 2.25rem;
}
.trust-id h3 { font-size: var(--step-2); }
.trust-id p { color: var(--ink-soft); margin-top: 0.2rem; font-size: var(--step--1); }
.trust-statement { max-width: 42ch; color: var(--ink-soft); font-size: var(--step--1); }

/* ---------- Goal cards ---------- */
.goal-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.goal-card {
  background: var(--white);
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  text-decoration: none;
  color: inherit;
  transition: background-color 0.15s ease;
}
.goal-card:hover { background: var(--bg-soft); }
.goal-icon {
  width: 34px; height: 34px;
  color: var(--accent);
}
.goal-card h3 { font-size: var(--step-0); font-family: var(--font-body); font-weight: 600; }
.goal-card p { color: var(--ink-soft); font-size: var(--step--1); }
.goal-card .card-link { margin-top: 0.4rem; font-size: var(--step--1); color: var(--accent); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

@media (min-width: 640px) { .goal-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .goal-grid { grid-template-columns: repeat(3, 1fr); } }

/* ---------- Loan programs ---------- */
.program-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
.program-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  background: var(--white);
}
.program-card h3 { font-size: var(--step-1); }
.program-card p { margin-top: 0.6rem; color: var(--ink-soft); font-size: var(--step--1); }
.program-card a { display: inline-block; margin-top: 1rem; font-size: var(--step--1); }

@media (min-width: 640px) { .program-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .program-grid { grid-template-columns: repeat(3, 1fr); } }

/* ---------- Why work with me ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(2rem, 5vw, 3.5rem);
  align-items: center;
}
.split-media .placeholder-img { aspect-ratio: 5 / 4; margin: 0; }
.split-media { border: 1px solid var(--border); border-radius: var(--radius-md); background: var(--white); overflow: hidden; }
.value-list { margin-top: 1.5rem; display: flex; flex-direction: column; gap: 0.9rem; }
.value-list li { display: flex; gap: 0.75rem; align-items: flex-start; color: var(--ink-soft); }
.value-list svg { flex-shrink: 0; width: 18px; height: 18px; margin-top: 3px; color: var(--accent); }

@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; } }
@media (min-width: 900px) { .split.media-right { grid-template-columns: 1fr 1fr; } }

/* ---------- First-time buyers ---------- */
.fthb-panel {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--white);
  padding: clamp(1.75rem, 4vw, 3rem);
}
.fthb-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  margin-top: 1.75rem;
}
.fthb-item h4 { font-size: var(--step-0); }
.fthb-item p { margin-top: 0.4rem; color: var(--ink-soft); font-size: var(--step--1); }
@media (min-width: 700px) { .fthb-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .fthb-grid { grid-template-columns: repeat(5, 1fr); } }

/* ---------- Articles ---------- */
.article-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
.article-card {
  border-top: 1px solid var(--border);
  padding-top: 1.25rem;
}
.article-card h3 { font-size: var(--step-1); }
.article-card p { margin-top: 0.6rem; color: var(--ink-soft); font-size: var(--step--1); }
.article-card a { display: inline-block; margin-top: 0.9rem; }
@media (min-width: 700px) { .article-grid { grid-template-columns: repeat(3, 1fr); } }

/* ---------- About ---------- */
.about-panel {
  max-width: 760px;
}
.about-panel .cred-list {
  margin-top: 1rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.25rem;
  color: var(--ink-soft);
  font-size: var(--step--1);
}
.about-panel p.philosophy {
  margin-top: 1.5rem;
  font-size: var(--step-1);
  color: var(--ink);
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.5;
}
.about-panel .btn { margin-top: 1.75rem; }

/* ---------- Final CTA ---------- */
.final-cta {
  background: var(--accent);
  color: var(--white);
  text-align: left;
}
.final-cta h2 { color: var(--white); font-size: var(--step-4); max-width: 20ch; }
.final-cta p { margin-top: 1rem; color: #C9D3E1; max-width: 50ch; font-size: var(--step-1); }
.final-cta .hero-cta { margin-top: 2rem; }
.final-cta .btn-primary { background: var(--white); color: var(--accent); }
.final-cta .btn-primary:hover { background: #EDF0F5; }
.final-cta .btn-secondary { color: var(--white); border-color: rgba(255,255,255,0.5); }
.final-cta .btn-secondary:hover { background: rgba(255,255,255,0.08); }

/* ---------- Footer ---------- */
.site-footer {
  border-top: 1px solid var(--border);
  background: var(--bg-soft);
  padding-block: 3rem 2rem;
  font-size: var(--step--1);
  color: var(--ink-soft);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}
.footer-brand .logo { display: inline-block; margin-bottom: 0.6rem; }
.footer-brand p { color: var(--ink-soft); max-width: 34ch; }
.footer-col h4 {
  font-family: var(--font-body);
  font-size: var(--step--1);
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 0.85rem;
}
.footer-col ul { display: flex; flex-direction: column; gap: 0.6rem; }
.footer-col a { text-decoration: none; color: var(--ink-soft); }
.footer-col a:hover { color: var(--accent); }
.footer-bottom {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  color: var(--ink-faint);
}
.footer-legal { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer-legal a { color: var(--ink-faint); text-decoration: underline; text-underline-offset: 3px; }

@media (min-width: 700px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; }
}

/* ---------- Placeholder callout ---------- */
.needs-info {
  display: inline-block;
  margin-top: 0.5rem;
  font-size: 0.78rem;
  color: var(--focus);
  border: 1px dashed var(--focus);
  border-radius: var(--radius-sm);
  padding: 0.15rem 0.5rem;
}