/* Tim Murphy — Medico Home Loans Landing Page */

:root {
  --navy-950: #0a0820;
  --navy-900: #110e34;
  --navy-800: #1a1648;
  --navy-700: #231f52;
  --navy-600: #2f2a6a;
  --purple: #b879fd;
  --teal: #1a9e6e;
  --teal-light: #22c07f;
  --gold: #e8b84a;
  --white: #ffffff;
  --off-white: #f7f6f3;
  --slate: #9a98b0;
  --slate-light: #c7c5dc;
  --text: #e8e6f2;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 28px;
  --shadow: 0 16px 48px rgba(10, 8, 32, 0.35);
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --header-h: 76px;
  --ease: 0.25s ease;
}

*, *::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: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--navy-900);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a {
  color: var(--teal-light);
  text-decoration: none;
  transition: color var(--ease);
}

a:hover { color: var(--teal); }

.container {
  width: min(1140px, 100% - 2.5rem);
  margin-inline: auto;
}

.text-center { text-align: center; }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal-light);
  margin-bottom: 0.75rem;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3.5vw, 2.35rem);
  font-weight: 600;
  line-height: 1.2;
  color: var(--white);
  margin-bottom: 0.875rem;
}

.section-intro {
  font-size: 1.05rem;
  color: var(--slate);
  max-width: 640px;
  margin-bottom: 2.5rem;
}

.text-center .section-intro { margin-inline: auto; }

.section-cta,
.reviews-cta,
.about-cta { text-align: center; margin-top: 2rem; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 0.8rem 1.6rem;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--ease);
  text-decoration: none;
  white-space: nowrap;
}

.btn-lg { padding: 0.95rem 1.85rem; font-size: 1rem; }
.btn-block { width: 100%; }

.btn-primary {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
}

.btn-primary:hover {
  background: var(--teal-light);
  border-color: var(--teal-light);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(26, 158, 110, 0.35);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.3);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.55);
  color: var(--white);
}

/* Header */
.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  height: var(--header-h);
  background: rgba(10, 8, 32, 0.9);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 1rem;
}

.logo {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: var(--white);
  line-height: 1.2;
}

.logo-mark {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
}

.logo-tag {
  font-size: 0.6875rem;
  font-weight: 500;
  color: var(--slate);
  letter-spacing: 0.04em;
}

.footer-tag { color: rgba(255, 255, 255, 0.45); }

.nav-desktop {
  display: flex;
  list-style: none;
  gap: 1.75rem;
}

.nav-desktop a {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--slate-light);
}

.nav-desktop a:hover { color: var(--white); }

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.btn-phone { display: inline-flex; }

.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}

.menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--ease);
}

.nav-mobile {
  display: none;
  position: absolute;
  top: var(--header-h);
  left: 0;
  right: 0;
  background: var(--navy-950);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 1.25rem 1.25rem 1.5rem;
  flex-direction: column;
  gap: 1rem;
}

.nav-mobile.open { display: flex; }

.nav-mobile ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.nav-mobile a {
  display: block;
  padding: 0.75rem 0;
  color: var(--slate-light);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  font-weight: 500;
}

.nav-mobile-call { width: 100%; }

.menu-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }

.menu-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* Hero */
.hero {
  position: relative;
  padding: calc(var(--header-h) + 3rem) 0 4.5rem;
  background:
    radial-gradient(ellipse 70% 55% at 85% 15%, rgba(184, 121, 253, 0.14), transparent 55%),
    radial-gradient(ellipse 50% 45% at 10% 90%, rgba(26, 158, 110, 0.1), transparent 50%),
    linear-gradient(180deg, var(--navy-950) 0%, var(--navy-900) 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 3rem;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.45rem 0.9rem;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 999px;
  font-size: 0.8125rem;
  color: var(--slate-light);
  margin-bottom: 1.25rem;
}

.stars { color: var(--gold); letter-spacing: 1px; }

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4.2vw, 2.85rem);
  font-weight: 600;
  line-height: 1.12;
  color: var(--white);
  margin-bottom: 1.25rem;
}

.hero h1 em {
  font-style: normal;
  color: var(--teal-light);
}

.hero-lead {
  font-size: 1.0625rem;
  color: var(--slate);
  margin-bottom: 1.75rem;
  max-width: 540px;
}

.hero-lead strong { color: var(--teal-light); }

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.875rem;
  margin-bottom: 2.5rem;
}

.hero-features {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.hero-feature {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.hero-feature-icon {
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(26, 158, 110, 0.15);
  border: 1px solid rgba(26, 158, 110, 0.3);
  border-radius: var(--radius-sm);
  font-weight: 700;
  color: var(--teal-light);
  font-size: 1.1rem;
}

.hero-feature h3 {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.2rem;
}

.hero-feature p {
  font-size: 0.875rem;
  color: var(--slate);
}

.hero-visual { position: relative; }

.hero-image-wrap { position: relative; }

.hero-photo,
.about-photo {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius-xl);
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: var(--shadow);
}

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

.hero-card-float {
  position: absolute;
  bottom: -1.25rem;
  left: -1.25rem;
  background: var(--white);
  color: var(--navy-900);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow);
  max-width: 260px;
}

.hero-card-float strong {
  display: block;
  font-size: 0.875rem;
  margin-bottom: 0.25rem;
}

.hero-card-float p {
  font-size: 0.8125rem;
  color: #555;
  margin: 0;
}

/* Stats */
.stats {
  padding: 3.5rem 0;
  background: var(--navy-800);
  border-block: 1px solid rgba(255, 255, 255, 0.05);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.stat-item {
  text-align: center;
  padding: 1.25rem;
}

.stat-value {
  font-family: var(--font-display);
  font-size: clamp(2rem, 3.5vw, 2.6rem);
  font-weight: 600;
  color: var(--teal-light);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.stat-label {
  font-size: 0.875rem;
  color: var(--slate);
}

/* CTA band */
.cta-band {
  padding: 4rem 0;
  background: linear-gradient(135deg, var(--navy-700) 0%, var(--navy-800) 100%);
}

.cta-band-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  padding: 2.5rem 3rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-xl);
}

.cta-band h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 1.85rem);
  color: var(--white);
  margin-bottom: 0.5rem;
}

.cta-band p {
  color: var(--slate);
  max-width: 520px;
}

/* Lenders */
.lenders { padding: 4.5rem 0; }

.lender-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.75rem;
  margin-top: 0.5rem;
}

.lender-pill {
  padding: 0.65rem 1.35rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 999px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-light);
  transition: all var(--ease);
}

.lender-pill:hover {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
}

/* Solutions */
.solutions {
  padding: 4.5rem 0;
  background: var(--navy-950);
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.solution-card {
  padding: 1.75rem;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-lg);
  transition: all var(--ease);
}

.solution-card:hover {
  border-color: rgba(26, 158, 110, 0.3);
  transform: translateY(-3px);
}

.solution-num {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--teal-light);
  background: rgba(26, 158, 110, 0.12);
  padding: 0.35rem 0.65rem;
  border-radius: var(--radius-sm);
  margin-bottom: 1rem;
}

.solution-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.625rem;
  line-height: 1.35;
}

.solution-card p {
  font-size: 0.9rem;
  color: var(--slate);
}

/* Process */
.process {
  padding: 4.5rem 0;
  background: var(--navy-900);
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.process-step {
  padding: 2rem;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-lg);
  position: relative;
}

.process-num {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--purple);
  margin-bottom: 0.75rem;
}

.process-step h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--white);
  margin-bottom: 0.625rem;
}

.process-step p {
  font-size: 0.9rem;
  color: var(--slate);
}

/* Reviews */
.reviews {
  padding: 4.5rem 0;
  background: var(--navy-800);
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.review-card {
  padding: 1.5rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
}

.review-stars {
  color: var(--gold);
  font-size: 0.875rem;
  margin-bottom: 0.875rem;
}

.review-text {
  font-size: 0.9rem;
  color: var(--slate-light);
  font-style: italic;
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.review-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.review-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-600), var(--purple));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--white);
  flex-shrink: 0;
}

.review-meta strong {
  display: block;
  font-size: 0.875rem;
  color: var(--white);
}

.review-meta span {
  font-size: 0.75rem;
  color: var(--slate);
}

.reviews-aggregate {
  text-align: center;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.big-rating {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 600;
  color: var(--white);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.reviews-aggregate > p {
  color: var(--slate);
  font-size: 0.9375rem;
}

/* About */
.about {
  padding: 4.5rem 0;
  background: var(--navy-900);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3.5rem;
  align-items: center;
}

.about-copy p {
  color: var(--slate);
  margin-bottom: 1rem;
}

.about-points {
  list-style: none;
  margin: 1.75rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
}

.about-points li {
  padding-left: 1rem;
  border-left: 3px solid var(--teal);
  font-size: 0.9375rem;
  color: var(--slate);
}

.about-points strong { color: var(--white); }


/* FAQ */
.faq {
  padding: 4.5rem 0;
  background: var(--navy-950);
}

.faq-list {
  max-width: 760px;
  margin-inline: auto;
  margin-top: 1rem;
}

.faq-item {
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 0;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  color: var(--white);
}

.faq-question::after {
  content: '+';
  font-size: 1.35rem;
  color: var(--teal-light);
  flex-shrink: 0;
  transition: transform var(--ease);
}

.faq-item.open .faq-question::after {
  transform: rotate(45deg);
}

.faq-answer {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 0.3s ease;
}

.faq-item.open .faq-answer {
  grid-template-rows: 1fr;
}

.faq-answer > p {
  overflow: hidden;
  font-size: 0.9375rem;
  color: var(--slate);
  padding-bottom: 0;
  transition: padding-bottom 0.3s ease;
}

.faq-item.open .faq-answer > p {
  padding-bottom: 1.25rem;
}

/* Contact */
.contact {
  padding: 4.5rem 0 5rem;
  background: var(--navy-800);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 3rem;
  align-items: start;
}

.contact-info h3 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--white);
  margin-bottom: 1.5rem;
}

.contact-detail {
  margin-bottom: 1.25rem;
}

.contact-detail strong {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal-light);
  margin-bottom: 0.3rem;
}

.contact-detail a {
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--white);
}

.contact-detail span {
  font-size: 0.9375rem;
  color: var(--slate);
}

.contact-note {
  font-size: 0.9rem;
  color: var(--slate);
  margin-top: 1.5rem;
}

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow);
}

.contact-form label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy-700);
  margin-bottom: 0.35rem;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 0.7rem 0.9rem;
  font-family: var(--font-body);
  font-size: 0.9375rem;
  border: 1.5px solid #ddd;
  border-radius: var(--radius-sm);
  background: var(--off-white);
  color: var(--navy-900);
  transition: border-color var(--ease), box-shadow var(--ease);
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(26, 158, 110, 0.15);
}

.contact-form textarea {
  min-height: 100px;
  resize: vertical;
}

.form-row.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-group { margin-bottom: 1rem; }

.form-disclaimer {
  font-size: 0.75rem;
  color: #777;
  margin-top: 0.875rem;
  line-height: 1.55;
}

.form-disclaimer a { color: var(--teal); }

.form-success {
  text-align: center;
  padding: 2rem 1rem;
}

.form-success h3 {
  font-family: var(--font-display);
  color: var(--navy-900);
  margin-bottom: 0.5rem;
}

.form-success p { color: #555; }

/* Footer */
.site-footer {
  padding: 3rem 0 2rem;
  background: var(--navy-950);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-brand p {
  font-size: 0.875rem;
  color: var(--slate);
  margin-top: 0.75rem;
  max-width: 360px;
}

.footer-contact strong { color: var(--white); }

.footer-contact p {
  font-size: 0.875rem;
  color: var(--slate);
  margin-top: 0.35rem;
}

.footer-legal p {
  font-size: 0.75rem;
  color: var(--slate);
  line-height: 1.65;
  margin-bottom: 0.75rem;
}

.footer-legal strong { color: var(--slate-light); }

/* Responsive */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { max-width: 420px; margin-inline: auto; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .solutions-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .about-image { max-width: 320px; }
  .contact-grid { grid-template-columns: 1fr; }
  .cta-band-inner { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 768px) {
  .nav-desktop,
  .header-actions .btn-phone,
  .header-actions .btn-primary { display: none; }

  .menu-toggle { display: flex; }

  .reviews-grid,
  .solutions-grid { grid-template-columns: 1fr; }

  .form-row.two-col { grid-template-columns: 1fr; }

  .hero-cta { flex-direction: column; }
  .hero-cta .btn { width: 100%; }

  .cta-band-inner { padding: 1.75rem; }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .hero-card-float { left: 0; right: 0; max-width: none; }
}