/* ── ReverseMortgageEDU™ — shared design system ────────────── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,700;1,400;1,500&family=Source+Serif+4:ital,opsz,wght@0,8..60,300;0,8..60,400;0,8..60,500;1,8..60,300;1,8..60,400&display=swap');

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

:root {
  --navy:        #08192E;
  --navy-mid:    #0C2340;
  --navy-light:  #183A5C;
  --navy-tint:   #E8EFF6;
  --gold:        #B8922A;
  --gold-mid:    #C9A84C;
  --gold-light:  #D4A843;
  --gold-pale:   #F5EDD6;
  --cream:       #F7F5F0;
  --warm-white:  #FDFCF9;
  --text:        #1A1A16;
  --text-mid:    #3A3A34;
  --text-muted:  #68685E;
  --text-faint:  #9A9A8E;
  --border:      #E0DDD6;
  --border-mid:  #C8C5BC;
  --teal:        #1A5C6B;
  --teal-pale:   #E4F2F3;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: 'Source Serif 4', Georgia, serif;
  background: var(--warm-white);
  color: var(--text);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

/* ── TYPOGRAPHY ─────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(32px, 5vw, 52px); }
h2 { font-size: clamp(24px, 3.5vw, 36px); }
h3 { font-size: clamp(18px, 2.5vw, 24px); }

.eyebrow {
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: .875rem;
  font-family: 'Source Serif 4', serif;
}
.eyebrow::before {
  content: '';
  display: inline-block;
  width: 20px;
  height: 1px;
  background: var(--gold);
}

/* ── LAYOUT ──────────────────────────────────────────────── */
.container { max-width: 1080px; margin: 0 auto; padding: 0 2rem; }
.container-narrow { max-width: 720px; margin: 0 auto; padding: 0 2rem; }

section { padding: 5rem 0; }
section + section { border-top: 0.5px solid var(--border); }

/* ── NAV ──────────────────────────────────────────────────── */
.site-nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 0.5px solid rgba(255,255,255,0.06);
}
.nav-inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 2rem;
  height: 58px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-brand {
  font-family: 'Source Serif 4', serif;
  font-size: 14px;
  font-weight: 400;
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  letter-spacing: 0.04em;
}
.nav-brand strong { color: var(--gold-light); font-weight: 500; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
}
.nav-links a {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  letter-spacing: 0.03em;
  transition: color 0.2s;
  font-family: 'Source Serif 4', serif;
}
.nav-links a:hover, .nav-links a.active { color: rgba(255,255,255,0.85); }
.nav-links a.active { border-bottom: 1px solid var(--gold); padding-bottom: 2px; }
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  padding: 6px 16px !important;
  border-radius: 2px !important;
  font-weight: 500 !important;
  font-size: 12px !important;
  letter-spacing: 0.04em !important;
  transition: background 0.2s !important;
}
.nav-cta:hover { background: var(--gold-light) !important; }

/* ── BUTTONS ──────────────────────────────────────────────── */
.btn-primary {
  display: inline-block;
  padding: 12px 28px;
  background: var(--navy);
  color: var(--gold-pale);
  text-decoration: none;
  font-size: 14px;
  font-family: 'Source Serif 4', serif;
  font-weight: 500;
  letter-spacing: 0.04em;
  border-radius: 2px;
  transition: background 0.2s;
  border: none;
  cursor: pointer;
}
.btn-primary:hover { background: var(--navy-light); }
.btn-gold {
  display: inline-block;
  padding: 12px 28px;
  background: var(--gold);
  color: var(--navy);
  text-decoration: none;
  font-size: 14px;
  font-family: 'Source Serif 4', serif;
  font-weight: 500;
  letter-spacing: 0.04em;
  border-radius: 2px;
  transition: background 0.2s;
  border: none;
  cursor: pointer;
}
.btn-gold:hover { background: var(--gold-light); }
.btn-outline {
  display: inline-block;
  padding: 11px 26px;
  background: transparent;
  color: var(--navy);
  text-decoration: none;
  font-size: 14px;
  font-family: 'Source Serif 4', serif;
  font-weight: 400;
  letter-spacing: 0.04em;
  border-radius: 2px;
  border: 1px solid var(--border-mid);
  transition: border-color 0.2s, color 0.2s;
  cursor: pointer;
}
.btn-outline:hover { border-color: var(--navy); }
.btn-outline-gold {
  display: inline-block;
  padding: 11px 26px;
  background: transparent;
  color: rgba(255,255,255,0.8);
  text-decoration: none;
  font-size: 14px;
  font-family: 'Source Serif 4', serif;
  font-weight: 400;
  letter-spacing: 0.04em;
  border-radius: 2px;
  border: 1px solid rgba(184,146,42,0.5);
  transition: border-color 0.2s, color 0.2s;
  cursor: pointer;
}
.btn-outline-gold:hover { border-color: var(--gold); color: #fff; }

/* ── CARDS ────────────────────────────────────────────────── */
.card {
  background: var(--warm-white);
  border: 0.5px solid var(--border);
  border-radius: 3px;
  padding: 1.75rem;
}
.card-navy {
  background: var(--navy);
  border: none;
  border-radius: 3px;
  padding: 1.75rem;
}

/* ── GOLD RULE ─────────────────────────────────────────────── */
.gold-rule {
  height: 1px;
  background: var(--gold);
  opacity: 0.3;
  margin: 2rem 0;
}
.gold-rule-full { opacity: 1; }

/* ── FOOTER ────────────────────────────────────────────────── */
.site-footer {
  background: var(--navy);
  padding: 4rem 0 2rem;
  margin-top: 0;
}
.footer-inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 0.5px solid rgba(255,255,255,0.08);
}
.footer-brand-name {
  font-family: 'Source Serif 4', serif;
  font-size: 15px;
  color: rgba(255,255,255,0.8);
  margin-bottom: .625rem;
  letter-spacing: 0.04em;
}
.footer-brand-name strong { color: var(--gold-light); font-weight: 500; }
.footer-brand-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.35);
  line-height: 1.7;
  margin-bottom: 1rem;
  font-weight: 300;
}
.footer-col-title {
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: .875rem;
  font-family: 'Source Serif 4', serif;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: .5rem; }
.footer-links a {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-legal {
  font-size: 11px;
  color: rgba(255,255,255,0.2);
  line-height: 1.7;
  max-width: 560px;
}

/* ── UTILITY ──────────────────────────────────────────────── */
.text-gold { color: var(--gold); }
.text-muted { color: var(--text-muted); }
.text-center { text-align: center; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }

/* ── ANIMATIONS ───────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate { animation: fadeUp 0.5s ease both; }
.animate-1 { animation-delay: 0.05s; }
.animate-2 { animation-delay: 0.12s; }
.animate-3 { animation-delay: 0.2s; }
.animate-4 { animation-delay: 0.28s; }

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  section { padding: 3.5rem 0; }
}
@media (max-width: 500px) {
  .footer-grid { grid-template-columns: 1fr; }
  .container, .container-narrow { padding: 0 1.25rem; }
}