/* Capital Means Finance — navy + cream + restrained antique gold */
:root {
  --paper: #fcf9f2;
  --cream: #f7f3ea;
  --cream-deep: #efe8da;
  --ink: #0a1f33;
  --ink-2: #143650;
  --navy-deep: #071929;
  --blue: #1a4f6b;
  --gold: #A98755;
  --gold-light: #c4a86e;
  --gold-soft: rgba(169, 135, 85, 0.16);
  --line: #d4cbb8;
  --text: #1c2a38;
  --muted: #667584;
  --header-bg: rgba(252, 249, 242, 0.96);
  --shadow: 0 14px 40px rgba(10, 31, 51, 0.08);
  --max: 1120px;
  --font-serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-sans: "Source Sans 3", "Source Sans Pro", system-ui, -apple-system, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17.5px;
  line-height: 1.65;
  color: var(--text);
  background:
    radial-gradient(ellipse 80% 50% at 70% -10%, rgba(169, 135, 85, 0.14), transparent 55%),
    var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }
.wrap { width: min(100% - 2.5rem, var(--max)); margin-inline: auto; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.76rem; font-weight: 700; letter-spacing: 0.2em;
  text-transform: uppercase; color: var(--gold); margin: 0 0 0.85rem;
}
h1, h2, h3 {
  font-family: var(--font-serif); color: var(--ink); line-height: 1.15;
  font-weight: 600; margin: 0 0 0.75rem;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.45rem); }
h3 { font-size: 1.3rem; }
.lead { font-size: 1.12rem; color: var(--ink-2); max-width: 40rem; margin: 0 0 1rem; }
.muted { color: var(--muted); }
.section { padding: 4.5rem 0; }
.section--cream { background: var(--cream); }
.section--navy { background: linear-gradient(165deg, var(--ink) 0%, var(--navy-deep) 100%); color: var(--cream); }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--navy .lead { color: rgba(252,249,242,0.9); }
.section--navy .eyebrow { color: var(--gold-light); }
.section-head { text-align: center; margin-bottom: 0.5rem; }
.section-head .lead { margin-inline: auto; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.45rem;
  font-family: var(--font-sans); font-size: 0.88rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; text-decoration: none;
  border: 1px solid transparent; border-radius: 2px; padding: 0.95rem 1.45rem;
  cursor: pointer; transition: background 0.2s, color 0.2s, border-color 0.2s, transform 0.15s;
}
.btn:active { transform: translateY(1px); }
.btn--navy { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.btn--navy:hover { background: var(--navy-deep); color: #fff; }
.btn--gold { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.btn--gold:hover { background: var(--gold-light); color: var(--ink); }
.btn--ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--ink); }
.btn--ghost-light { background: transparent; color: var(--cream); border-color: rgba(252,249,242,0.4); }
.btn--sm { padding: 0.65rem 1rem; font-size: 0.78rem; }
.btn--block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.15rem; }

.utility-bar {
  background: var(--navy-deep); color: rgba(252,249,242,0.85); font-size: 0.88rem;
}
.utility-inner {
  display: flex; justify-content: space-between; gap: 1rem; padding: 0.45rem 0; flex-wrap: wrap;
}
.utility-bar a { color: var(--gold-light); text-decoration: none; font-weight: 700; display: inline-flex; align-items: center; gap: 0.35rem; }

.site-header {
  position: sticky; top: 0; z-index: 40; background: var(--header-bg);
  border-bottom: 1px solid var(--line); backdrop-filter: blur(10px);
}
.header-inner { display: flex; align-items: center; gap: 1rem; padding: 0.85rem 0; flex-wrap: wrap; }
.logo { display: flex; align-items: center; gap: 0.7rem; text-decoration: none; color: inherit; }
.logo-mark {
  width: 2.5rem; height: 2.5rem; display: grid; place-items: center;
  background: var(--ink); color: var(--cream); font-weight: 700; font-size: 0.7rem;
  letter-spacing: 0.04em; border-radius: 2px;
}
.wordmark { font-family: var(--font-serif); font-size: 1.15rem; color: var(--ink); line-height: 1.2; }
.wordmark .dot { color: var(--gold); font-weight: 600; }
.wordmark-sub { display: block; font-family: var(--font-sans); font-size: 0.72rem; color: var(--muted); letter-spacing: 0.06em; margin-top: 0.1rem; }
.nav { display: flex; flex-wrap: wrap; gap: 0.15rem 1.05rem; margin-left: auto; }
.nav a { text-decoration: none; color: var(--text); font-size: 0.92rem; font-weight: 600; }
.nav a:hover { color: var(--ink); }
.header-actions { display: flex; align-items: center; gap: 0.65rem; }
.header-phone { font-weight: 700; text-decoration: none; color: var(--ink); white-space: nowrap; }
.nav-toggle {
  display: none; margin-left: auto; background: var(--ink); color: var(--cream);
  border: 0; border-radius: 2px; padding: 0.55rem 0.9rem; font-weight: 700; cursor: pointer;
}

.hero { padding: 3rem 0 3.5rem; }
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start;
}
.hero-italic {
  font-family: var(--font-serif); font-style: italic; font-size: 1.25rem;
  color: var(--ink-2); margin: 0 0 1rem;
}
.trust { display: flex; gap: 0.6rem; align-items: flex-start; margin: 1.1rem 0 0; color: var(--muted); font-size: 0.96rem; }
.trust svg { flex-shrink: 0; color: var(--gold); margin-top: 0.15rem; }
.hero-photo {
  border-radius: 4px; overflow: hidden; box-shadow: var(--shadow);
  border: 1px solid var(--line); aspect-ratio: 4/5; background: var(--cream-deep);
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.photo-caption { font-size: 0.85rem; color: var(--muted); margin: 0.65rem 0 0; }
.ai-disclosure-sm { font-size: 0.78rem; color: var(--muted); margin-top: 0.5rem; }

.hero-form-card {
  background: var(--white, #fff); border: 1px solid var(--line); border-radius: 4px;
  padding: 1.35rem; box-shadow: var(--shadow); background-color: #fff;
}
.hero-form-card h2 { font-size: 1.35rem; margin-bottom: 0.35rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.85rem; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-size: 0.82rem; font-weight: 700; margin-bottom: 0.3rem; }
input, select, textarea {
  width: 100%; font: inherit; padding: 0.7rem 0.8rem; border: 1px solid var(--line);
  border-radius: 2px; background: #fff; color: var(--text);
}
textarea { min-height: 4.5rem; resize: vertical; }
.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }
.form-note { font-size: 0.82rem; color: var(--muted); margin-top: 0.85rem; }
.form-status { margin-top: 0.85rem; padding: 0.75rem 0.9rem; border-radius: 2px; display: none; }
.form-status.is-visible { display: block; }
.form-status.is-success { background: #e7f1ea; color: #1e4d2b; }
.form-status.is-error { background: #f7e8ea; color: #6b1c28; }

.stats-band { background: var(--ink); color: var(--cream); padding: 2rem 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; text-align: center; }
.stat strong { display: block; font-family: var(--font-serif); font-size: 1.75rem; color: var(--gold-light); }
.stat span { font-size: 0.88rem; opacity: 0.85; }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 1.5rem; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 1.25rem;
}
.step-num { font-family: var(--font-serif); font-size: 1.4rem; color: var(--gold); font-weight: 600; }
.step h3 { margin-top: 0.4rem; font-size: 1.1rem; }
.step p { margin: 0; color: var(--muted); font-size: 0.95rem; }

.guide-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.5rem; }
.guide-card {
  background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 1.4rem;
}
.guide-card h3 { margin-top: 0; }
.guide-card ul { margin: 0.5rem 0 1rem; padding-left: 1.1rem; color: var(--muted); }
.guide-note {
  margin-top: 1.25rem; padding: 1rem 1.15rem; background: var(--gold-soft);
  border-left: 3px solid var(--gold); font-size: 0.95rem;
}

.brand-story {
  display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 2rem; align-items: center;
}
.brand-story .wordmark-lg {
  font-family: var(--font-serif); font-size: clamp(1.8rem, 3vw, 2.4rem); color: var(--ink);
}
.brand-story .wordmark-lg .dot { color: var(--gold); }

.situations { display: grid; gap: 1rem; margin-top: 1.5rem; }
.situation {
  display: grid; grid-template-columns: auto 1fr; gap: 1rem; background: #fff;
  border: 1px solid var(--line); border-radius: 4px; padding: 1.25rem 1.35rem;
}
.sit-num { font-family: var(--font-serif); color: var(--gold); font-size: 1.25rem; font-weight: 600; }

.county-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 1.5rem; }
.county-card {
  background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 1.25rem;
  text-decoration: none; color: inherit; transition: border-color 0.2s, box-shadow 0.2s;
}
.county-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.county-card span { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.14em; color: var(--gold); }
.county-card h3 { margin: 0.4rem 0 0.35rem; font-size: 1.15rem; }
.county-card p { margin: 0; font-size: 0.92rem; color: var(--muted); }

.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: 4px;
  padding: 1rem 1.15rem; margin-bottom: 0.65rem;
}
.faq summary { font-weight: 700; cursor: pointer; color: var(--ink); }
.faq p { margin: 0.65rem 0 0; color: var(--muted); }

.page-hero { padding: 3rem 0 2rem; }
.breadcrumbs { font-size: 0.88rem; color: var(--muted); margin-bottom: 1rem; }
.breadcrumbs a { color: var(--blue); text-decoration: none; }

.site-footer {
  background: var(--navy-deep); color: rgba(252,249,242,0.85); padding: 3rem 0 1.5rem;
}
.site-footer a { color: var(--cream); }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 1.5rem; }
.footer-legal {
  margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid rgba(252,249,242,0.12);
  font-size: 0.82rem; opacity: 0.75;
}
.equal-housing { font-size: 0.85rem; margin-top: 0.75rem; opacity: 0.85; }

@media (max-width: 960px) {
  .hero-grid, .steps, .guide-grid, .brand-story, .county-grid, .stats-grid, .footer-grid, .form-grid {
    grid-template-columns: 1fr;
  }
  .county-grid { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none; width: 100%; flex-direction: column; gap: 0.35rem;
    padding-top: 0.75rem; border-top: 1px solid var(--line); margin-left: 0;
  }
  .nav.is-open { display: flex; }
  .hero-form-card { order: 2; }
  .hero-copy { order: 1; }
  .hero-visual { order: 3; }
}
@media (max-width: 560px) {
  .header-phone { display: none; }
  .county-grid { grid-template-columns: 1fr; }
  .utility-inner span:first-child { display: none; }
}