/* DarrenLoans.com — Darren Crampton | Residential Home Loans | Central Florida */
:root {
  --navy: #0f2744;
  --navy-deep: #0a1a2e;
  --slate: #3d4f63;
  --slate-light: #5a6d82;
  --accent: #1a8a7a;
  --warm: #1a8a7a; /* alias: residential teal */
  --accent-hover: #157064;
  --warm-hover: #157064;
  --accent-soft: #e6f4f1;
  --warm-soft: #e6f4f1;
  --cream: #f5f8f7;
  --white: #ffffff;
  --border: #e2e6eb;
  --text: #1a2433;
  --muted: #5c6b7a;
  --success: #1f6b4a;
  --radius: 10px;
  --shadow: 0 8px 28px rgba(15, 39, 68, 0.08);
  --max: 1120px;
  --font: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--cream);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--warm); }
h1, h2, h3, h4 {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 0.6em;
  font-weight: 600;
}
h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); }
h2 { font-size: clamp(1.45rem, 3vw, 1.9rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.25em; }
li { margin-bottom: 0.35em; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.skip-link {
  position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff; padding: 0.5rem 1rem; z-index: 1000;
}
.skip-link:focus { left: 0.5rem; top: 0.5rem; }

/* Top bar */
.topbar {
  background: var(--navy-deep);
  color: #d7dee8;
  font-size: 0.85rem;
  padding: 0.45rem 0;
}
.topbar .container { display: flex; flex-wrap: wrap; gap: 0.75rem 1.5rem; justify-content: space-between; align-items: center; }
.topbar a { color: #fff; text-decoration: none; }
.topbar a:hover { color: var(--warm); }
.nmls-inline { opacity: 0.9; }

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 0;
}
.logo {
  display: flex; flex-direction: column; text-decoration: none; color: var(--navy); line-height: 1.15;
}
.logo-mark {
  font-family: Georgia, serif; font-size: 1.45rem; font-weight: 700; letter-spacing: 0.02em;
}
.logo-mark span { color: var(--warm); }
.logo-sub { font-size: 0.72rem; color: var(--slate-light); letter-spacing: 0.04em; text-transform: uppercase; margin-top: 0.15rem; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--border); border-radius: 8px; padding: 0.45rem 0.7rem; cursor: pointer; color: var(--navy);
}
.nav-primary { display: flex; align-items: center; gap: 0.15rem; flex-wrap: wrap; }
.nav-primary > a, .nav-dropdown > summary {
  color: var(--navy); text-decoration: none; font-size: 0.92rem; font-weight: 600;
  padding: 0.45rem 0.65rem; border-radius: 6px; cursor: pointer; list-style: none;
}
.nav-primary > a:hover, .nav-dropdown > summary:hover { background: var(--warm-soft); color: var(--warm-hover); }
.nav-dropdown { position: relative; }
.nav-dropdown > summary::-webkit-details-marker { display: none; }
.nav-dropdown > summary::after { content: " ▾"; font-size: 0.75em; opacity: 0.7; }
.nav-dropdown[open] > summary { background: var(--warm-soft); }
.dropdown-panel {
  position: absolute; top: calc(100% + 0.35rem); left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 0.4rem; z-index: 120;
}
.dropdown-panel a {
  display: block; padding: 0.55rem 0.75rem; text-decoration: none; color: var(--navy);
  border-radius: 6px; font-size: 0.9rem; font-weight: 500;
}
.dropdown-panel a:hover { background: var(--warm-soft); color: var(--warm-hover); }
.header-cta { display: flex; gap: 0.5rem; align-items: center; flex-shrink: 0; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  padding: 0.7rem 1.15rem; border-radius: 8px; font-weight: 650; font-size: 0.95rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: 0.15s ease;
  font-family: inherit; line-height: 1.2;
}
.btn-primary { background: var(--warm); color: #fff; }
.btn-primary:hover { background: var(--warm-hover); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-deep); color: #fff; }
.btn-outline { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.45); }
.btn-ghost:hover { background: #fff; color: var(--navy); }
.btn-sm { padding: 0.5rem 0.85rem; font-size: 0.88rem; }
.btn-block { width: 100%; }

/* Hero */
.hero {
  background: linear-gradient(145deg, var(--navy-deep) 0%, var(--navy) 55%, #1a3d66 100%);
  color: #e8eef6; padding: 3.5rem 0 3.75rem; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -8%; bottom: -30%; width: 55%; height: 120%;
  background: radial-gradient(ellipse, rgba(26,138,122,0.22), transparent 65%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-kicker {
  display: inline-block; font-size: 0.8rem; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--warm); font-weight: 700; margin-bottom: 0.85rem;
}
.hero h1 { color: #fff; margin-bottom: 0.75rem; max-width: 18ch; }
.hero-lead { font-size: 1.12rem; max-width: 38rem; color: #c9d4e3; margin-bottom: 1.6rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-bottom: 1.75rem; }
.hero-meta { display: flex; flex-wrap: wrap; gap: 1rem 1.75rem; font-size: 0.9rem; color: #a9b8cb; }
.hero-meta strong { color: #fff; font-weight: 600; }

/* Page hero (inner) */
.page-hero {
  background: var(--navy); color: #d7e0ec; padding: 2.4rem 0 2.2rem;
}
.page-hero h1 { color: #fff; }
.page-hero p { color: #b8c5d6; max-width: 42rem; margin-bottom: 0; }
.breadcrumb { font-size: 0.85rem; margin-bottom: 0.75rem; color: #8fa0b5; }
.breadcrumb a { color: #c9d6e6; text-decoration: none; }
.breadcrumb a:hover { color: var(--warm); }

/* Sections */
.section { padding: 3rem 0; }
.section-alt { background: var(--white); }
.section-warm { background: var(--warm-soft); }
.section-head { margin-bottom: 1.75rem; max-width: 40rem; }
.section-head p { color: var(--muted); margin-bottom: 0; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Cards */
.card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.35rem 1.4rem; box-shadow: 0 2px 8px rgba(15,39,68,0.03); height: 100%;
  display: flex; flex-direction: column;
}
.card h3 { margin-bottom: 0.4rem; }
.card p { color: var(--muted); font-size: 0.95rem; flex-grow: 1; }
.card a.card-link {
  margin-top: 0.75rem; font-weight: 650; color: var(--warm); text-decoration: none; font-size: 0.92rem;
}
.card a.card-link:hover { color: var(--warm-hover); text-decoration: underline; }
.card-icon {
  width: 42px; height: 42px; border-radius: 10px; background: var(--warm-soft);
  display: grid; place-items: center; margin-bottom: 0.85rem; color: var(--warm); font-size: 1.2rem;
}
.crosslink-card {
  border: 2px solid var(--navy); background: linear-gradient(120deg, #fff, #f3f6fa);
  padding: 1.5rem; border-radius: var(--radius); display: flex; flex-wrap: wrap;
  gap: 1rem; align-items: center; justify-content: space-between;
}
.crosslink-card h3 { margin: 0 0 0.25rem; }
.crosslink-card p { margin: 0; color: var(--muted); max-width: 36rem; }

/* Prose */
.prose { max-width: 46rem; }
.prose h2 { margin-top: 1.75rem; }
.prose h3 { margin-top: 1.35rem; }
.two-col { display: grid; grid-template-columns: 1.4fr 1fr; gap: 2rem; align-items: start; }
@media (max-width: 800px) { .two-col { grid-template-columns: 1fr; } }
.aside-box {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.35rem; position: sticky; top: 5.5rem;
}
.aside-box h3 { font-size: 1.05rem; }
.aside-box ul { margin-bottom: 1rem; padding-left: 1.1em; font-size: 0.95rem; }
.callout {
  border-left: 4px solid var(--warm); background: var(--warm-soft); padding: 1rem 1.15rem;
  border-radius: 0 var(--radius) var(--radius) 0; margin: 1.25rem 0;
}
.callout.pending { border-left-color: var(--slate-light); background: #eef1f5; }
.callout strong { color: var(--navy); }
.faq details {
  background: var(--white); border: 1px solid var(--border); border-radius: 8px;
  padding: 0.85rem 1rem; margin-bottom: 0.65rem;
}
.faq summary { font-weight: 650; color: var(--navy); cursor: pointer; }
.faq details[open] summary { margin-bottom: 0.5rem; }
.faq details p { margin: 0; color: var(--muted); font-size: 0.95rem; }

/* Market chips */
.market-list { display: flex; flex-wrap: wrap; gap: 0.5rem; margin: 1rem 0 0; padding: 0; list-style: none; }
.market-list li {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18);
  color: #e4ebf4; padding: 0.35rem 0.7rem; border-radius: 999px; font-size: 0.85rem;
}
.chip-row { display: flex; flex-wrap: wrap; gap: 0.45rem; list-style: none; padding: 0; margin: 0.75rem 0 0; }
.chip-row li {
  background: var(--warm-soft); color: var(--navy); padding: 0.3rem 0.65rem;
  border-radius: 999px; font-size: 0.82rem; font-weight: 600;
}

/* Forms */
.form-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.9rem; }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }
.form-group { display: flex; flex-direction: column; gap: 0.3rem; }
.form-group.full { grid-column: 1 / -1; }
label { font-size: 0.88rem; font-weight: 650; color: var(--navy); }
.req { color: var(--warm); }
input, select, textarea {
  font: inherit; padding: 0.65rem 0.75rem; border: 1px solid var(--border);
  border-radius: 8px; background: #fff; color: var(--text);
}
input:focus, select:focus, textarea:focus {
  outline: 2px solid rgba(26,138,122,0.35); border-color: var(--warm);
}
.consent {
  display: flex; gap: 0.55rem; align-items: flex-start; font-size: 0.85rem; color: var(--muted);
}
.consent input { margin-top: 0.2rem; }
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 0.75rem; }
.alert {
  padding: 0.85rem 1rem; border-radius: 8px; margin-bottom: 1rem; font-size: 0.95rem;
}
.alert-error { background: #fdecea; color: #8a1f11; border: 1px solid #f5c6c0; }
.alert-ok { background: #e8f5ef; color: var(--success); border: 1px solid #b7dfcb; }

/* CTA band */
.cta-band {
  background: var(--navy-deep); color: #d5deea; padding: 2.5rem 0; text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { max-width: 36rem; margin: 0 auto 1.25rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 0.65rem; justify-content: center; }

/* Footer */
.site-footer {
  background: var(--navy-deep); color: #9aabbf; padding: 2.75rem 0 1.5rem; font-size: 0.9rem;
}
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 1.75rem; margin-bottom: 2rem;
}
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-family: var(--font); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.85rem; }
.site-footer a { color: #c5d1e0; text-decoration: none; }
.site-footer a:hover { color: var(--warm); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.4rem; }
.footer-brand .logo-mark { color: #fff; }
.equal-housing {
  display: flex; gap: 0.75rem; align-items: flex-start; margin-top: 1rem;
  padding-top: 1rem; border-top: 1px solid rgba(255,255,255,0.1);
}
.eh-logo {
  flex-shrink: 0; width: 36px; height: 36px; border: 2px solid #c5d1e0; border-radius: 50%;
  display: grid; place-items: center; font-weight: 800; color: #c5d1e0; font-size: 0.7rem;
}
.disclosures {
  border-top: 1px solid rgba(255,255,255,0.12); padding-top: 1.25rem; font-size: 0.8rem; line-height: 1.55;
  color: #7f91a8;
}
.disclosures p { margin-bottom: 0.65rem; }

/* Sticky mobile call */
.sticky-call {
  display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 200;
  background: var(--warm); padding: 0.7rem 1rem; box-shadow: 0 -4px 20px rgba(0,0,0,0.18);
}
.sticky-call a {
  display: flex; align-items: center; justify-content: center; gap: 0.5rem;
  color: #fff; font-weight: 700; text-decoration: none; font-size: 1.05rem;
}
@media (max-width: 768px) {
  .nav-toggle { display: inline-flex; }
  .nav-primary {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--border); flex-direction: column;
    align-items: stretch; padding: 0.75rem; gap: 0.15rem; box-shadow: var(--shadow);
  }
  .nav-primary.open { display: flex; }
  .nav-dropdown .dropdown-panel { position: static; box-shadow: none; border: none; padding-left: 0.5rem; }
  .header-cta .btn-outline { display: none; }
  .sticky-call { display: block; }
  body { padding-bottom: 3.6rem; }
  .hero { padding: 2.4rem 0 2.6rem; }
}

/* Steps */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0 0 1.5rem; }
.steps li {
  counter-increment: step; position: relative; padding: 0 0 1.35rem 3rem;
  border-left: 2px solid var(--border); margin-left: 0.85rem;
}
.steps li:last-child { border-left-color: transparent; padding-bottom: 0; }
.steps li::before {
  content: counter(step); position: absolute; left: -1.05rem; top: 0;
  width: 2rem; height: 2rem; border-radius: 50%; background: var(--navy); color: #fff;
  display: grid; place-items: center; font-weight: 700; font-size: 0.85rem; font-family: var(--font);
}
.steps strong { display: block; color: var(--navy); margin-bottom: 0.2rem; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}


/* DarrenLoans residential extras */
.calc-panel {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow);
}
.calc-results {
  background: var(--accent-soft); border-radius: 8px; padding: 1rem 1.15rem; margin-top: 1rem;
}
.calc-results dl { display: grid; grid-template-columns: 1fr auto; gap: 0.35rem 1rem; margin: 0; }
.calc-results dt { color: var(--muted); font-size: 0.92rem; }
.calc-results dd { margin: 0; font-weight: 700; color: var(--navy); text-align: right; }
.guide-meta { font-size: 0.85rem; color: var(--muted); margin-bottom: 1rem; }
.placeholder-photo {
  aspect-ratio: 4/5; background: linear-gradient(160deg, #d7e8e4, #b8d4ce);
  border-radius: var(--radius); display: grid; place-items: center; color: var(--navy);
  font-weight: 650; text-align: center; padding: 1rem; border: 1px dashed rgba(26,138,122,0.45);
}
.area-highlight {
  background: var(--white); border-left: 4px solid var(--accent); padding: 1rem 1.15rem;
  border-radius: 0 var(--radius) var(--radius) 0; margin: 1rem 0;
}

/* Header call button: number shown on wider screens only */
@media (max-width: 520px) { .header-cta .cta-num { display: none; } }

/* Headshot */
.headshot { display: block; width: 100%; height: auto; aspect-ratio: 1 / 1; object-fit: cover; border-radius: 14px; background: var(--navy); box-shadow: 0 10px 30px rgba(15, 39, 68, 0.18); margin-bottom: 1.1rem; }
.about-card picture { display: block; }
@media (max-width: 800px) {
  .about-card { order: -1; position: static; }
  .about-card .headshot { max-width: 320px; margin-left: auto; margin-right: auto; }
}
.meet-darren { display: flex; align-items: center; gap: 1rem; margin-bottom: 0.75rem; }
.meet-darren h2 { margin: 0; }
.headshot-round { display: block; width: 96px; height: 96px; border-radius: 50%; object-fit: cover; flex-shrink: 0; border: 3px solid #fff; box-shadow: 0 6px 18px rgba(15, 39, 68, 0.2); background: var(--navy); }
@media (max-width: 480px) { .headshot-round { width: 76px; height: 76px; } }
.meet-darren picture { display: block; flex-shrink: 0; }
/* Keep long emails/links from widening the mobile layout */
.two-col > * { min-width: 0; }
.prose a, .aside-box a { overflow-wrap: anywhere; }
/* Phone number already shows in the top bar; keep the header button compact so the nav stays on one line */
.header-cta .cta-num { display: none; }
.aside-box a[href^="mailto:"] { font-size: 0.9em; }