@font-face {
  font-family: 'Inter';
  src: url('../fonts/inter-latin-variable.woff2') format('woff2');
  font-weight: 400 800;
  font-style: normal;
  font-display: swap;
}

:root {
  --ink: #1f2526;
  --footer-bg: #1d3152;
  --teal-dark: #2e6264;
  --radius: 8px;
}

* { box-sizing: border-box; }
html { scroll-padding-top: 96px; }
body {
  margin: 0;
  color: var(--ink);
  background: #fff;
  font-family: 'Inter', Arial, Helvetica, sans-serif;
  line-height: 1.6;
}

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

.skip-link {
  position: absolute;
  top: -999px;
  left: 0;
  z-index: 99999;
  padding: 8px 16px;
  background: #14264b;
  color: #fff;
  text-decoration: none;
  border-radius: 0 0 8px 0;
  font-weight: 700;
}
.skip-link:focus { top: 0; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  gap: 12px;
  min-height: 72px;
  padding: 0 clamp(20px, 4vw, 60px);
  background: var(--footer-bg);
  color: #fff;
  box-shadow: 0 1px 0 rgba(0,0,0,.2);
}

.brand {
  flex: 0 0 min(116px, 38vw);
  width: min(116px, 38vw);
  height: 72px;
  display: flex;
  align-items: center;
  padding: 8px 0;
}
.brand img {
  width: 116px;
  max-width: 38vw;
  height: 56px;
  object-fit: contain;
  filter: brightness(1.5);
}

.site-nav {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  font-size: .82rem;
}
.site-nav a { color: #fff; text-decoration: none; white-space: nowrap; }

.header-socials {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  margin-left: 10px;
}
.header-socials a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  min-width: 44px;
  min-height: 44px;
  margin: -13px;
  color: rgba(255,255,255,.7);
}
.header-socials svg { width: 18px; height: 18px; fill: currentColor; }

.nav-button {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 9px 18px;
  background: #fff;
  color: var(--footer-bg);
  border: 1.5px solid #fff;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 700;
  font-size: .8rem;
  white-space: nowrap;
  line-height: 1;
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255,255,255,.3);
  background: transparent;
  border-radius: var(--radius);
}
.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 4px auto;
  background: #fff;
}

.hero {
  position: relative;
  min-height: max(480px, calc(100vh - 195px));
  display: grid;
  align-items: center;
  overflow: hidden;
  color: #fff;
}
.hero-poster,
.hero-poster img,
.hero-video,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}
.hero-poster img,
.hero-video { object-fit: cover; }
.hero-video { opacity: 0; }
.hero-overlay {
  background:
    linear-gradient(180deg, rgba(8,27,29,.56), rgba(8,27,29,.26) 44%, rgba(8,27,29,.64)),
    rgba(8,27,29,.12);
}

.hero-content {
  position: relative;
  width: min(980px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(40px, 6vw, 80px) 0 clamp(40px, 5vw, 70px);
  text-align: center;
}

h1, h2, h3 { margin: 0; line-height: 1.08; }
.hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.6rem, 3.6vw, 4.2rem);
  line-height: 1.1;
  font-weight: 400;
  text-shadow: 0 2px 9px rgba(0,0,0,.22);
}
.hero p {
  margin: 20px auto 0;
  max-width: 780px;
  font-size: clamp(1.05rem, 1.4vw, 1.45rem);
  line-height: 1.45;
  text-shadow: 0 2px 7px rgba(0,0,0,.22);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
  margin-top: 30px;
}
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  min-width: 220px;
  padding: 14px 22px;
  border-radius: 8px;
  background: rgba(255,255,255,.94);
  color: #000;
  border: 2px solid transparent;
  text-decoration: none;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.hero .button.secondary {
  background: rgba(255,255,255,.94);
  border-color: rgba(255,255,255,.94);
  color: #000;
  margin-left: 0;
  margin-top: 0;
}

.about-page,
.loans-page main,
.va-page main,
.article-page main,
.privacy-page main,
.reviews-page {
  background: #fff;
}

.hero--about {
  background-image: url("../images/about-karin/about-karin-couch-desktop.jpg");
  background-image: image-set(url("../images/about-karin/about-karin-couch-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-couch-desktop.jpg") type("image/jpeg"));
  background-position: center 44%;
  background-size: cover;
  background-repeat: no-repeat;
}
.hero--about .hero-overlay {
  background: linear-gradient(180deg, rgba(8,27,29,.56), rgba(8,27,29,.26) 44%, rgba(8,27,29,.64));
}
.about-hero-simple {
  min-height: clamp(380px, 52vh, 560px);
  color: #162a50;
  background:
    linear-gradient(rgba(247,251,250,.58), rgba(247,251,250,.58)),
    url("../images/about-karin/about-karin-cta-desktop.jpg") center 56% / cover no-repeat;
  background-image:
    linear-gradient(rgba(247,251,250,.58), rgba(247,251,250,.58)),
    image-set(url("../images/about-karin/about-karin-cta-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-desktop.jpg") type("image/jpeg"));
}
.about-hero-simple .hero-content {
  width: min(760px, calc(100% - 40px));
  color: #162a50;
}
.about-hero-simple .hero-overlay { display: none; }
.about-hero-simple h1,
.about-hero-simple p:not(.eyebrow) { text-shadow: none; }

.hero--loans {
  background-image: url("../images/loan-options/ftb-dpa-desktop.jpg");
  background-image: image-set(url("../images/loan-options/ftb-dpa-desktop.webp") type("image/webp"), url("../images/loan-options/ftb-dpa-desktop.jpg") type("image/jpeg"));
  background-position: center 68%;
  background-size: cover;
  background-repeat: no-repeat;
}
.hero--loans .hero-overlay {
  background:
    linear-gradient(90deg, rgba(12,30,43,.72), rgba(12,30,43,.38) 45%, rgba(12,30,43,.56)),
    linear-gradient(180deg, rgba(8,27,29,.42), rgba(8,27,29,.18) 42%, rgba(8,27,29,.56));
}
.loans-page .hero--loans {
  min-height: clamp(500px, 62vh, 620px);
}

.hero--ftb {
  min-height: 680px;
  background: image-set(url("../images/first-time-home-buyer/ftb-consultation-desktop.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-consultation-desktop.jpg") type("image/jpeg")) center 24% / cover no-repeat;
}
.hero--ftb .hero-overlay {
  background:
    linear-gradient(180deg, rgba(8,27,29,.72), rgba(8,27,29,.5) 48%, rgba(8,27,29,.78)),
    linear-gradient(90deg, rgba(8,27,29,.54), rgba(8,27,29,.2), rgba(8,27,29,.5));
}
.hero--ftb .hero-content { padding-top: 50px; padding-bottom: 60px; }
.hero--ftb h1 {
  font-size: clamp(2.6rem, 4vw, 4.4rem);
  line-height: 1.12;
  text-shadow: 0 3px 14px rgba(0,0,0,.48);
}
.hero--ftb p {
  font-size: clamp(1.15rem, 1.5vw, 1.5rem);
  max-width: 780px;
  margin-top: 22px;
  text-shadow: 0 2px 10px rgba(0,0,0,.46);
}

.va-page .hero--va {
  min-height: 660px;
  background: image-set(url("../images/va-loans/va-loans-hero-desktop.webp") type("image/webp"), url("../images/va-loans/va-loans-hero-desktop.jpg") type("image/jpeg")) center 40% / cover no-repeat;
}
.va-page .hero--va .hero-overlay {
  background: linear-gradient(180deg, rgba(8,27,29,.55), rgba(8,27,29,.25) 44%, rgba(8,27,29,.65));
}
.va-page .hero--va .hero-content { padding-top: 50px; padding-bottom: 60px; }
.va-page .hero--va h1 {
  font-size: clamp(2.8rem, 4vw, 4.4rem);
  line-height: 1.1;
}
.va-page .hero--va p {
  max-width: 780px;
  margin-top: 22px;
  font-size: clamp(1.15rem, 1.5vw, 1.5rem);
}

.reviews-hero,
.reviews-widget-section {
  width: min(1040px, calc(100% - 32px));
  margin: 0 auto;
  background: #fff;
}
.reviews-hero {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 32px;
  align-items: center;
  margin-top: clamp(90px, 14vh, 170px);
  padding: clamp(34px, 5vw, 58px);
  border: 1px solid #d9e1de;
  border-left: 4px solid #1d3152;
  border-radius: var(--radius);
}
.reviews-hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  color: #162a50;
  font-size: clamp(2.4rem, 4vw, 4.2rem);
  font-weight: 400;
}
.reviews-hero p:not(.reviews-eyebrow) {
  color: #162a50;
  font-size: clamp(1.05rem, 1.4vw, 1.35rem);
}

.article-shell {
  width: min(1040px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(54px, 7vw, 96px) 0 clamp(92px, 10vw, 140px);
}
.article-back {
  display: inline-block;
  margin-bottom: 44px;
  color: #17345e;
  font-weight: 700;
}
.article-hero { text-align: center; }
.article-meta {
  color: var(--teal-dark);
  font-size: clamp(.95rem, 1.1vw, 1.12rem);
  font-weight: 700;
}
.article-hero h1 {
  margin: 18px auto 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.8rem, 5vw, 5.1rem);
  line-height: 1.05;
  font-weight: 400;
  color: #162a50;
}
.article-deck {
  max-width: 760px;
  margin: 28px auto 0;
  color: #243b5e;
  font-size: clamp(1.15rem, 1.45vw, 1.45rem);
  line-height: 1.45;
}
.article-hero img,
.article-hero picture {
  width: min(500px, 100%);
  margin: 52px auto 0;
}
.article-hero img {
  aspect-ratio: 4 / 3;
  object-fit: cover;
}
.article-hero picture img {
  width: 100%;
  margin-top: 0;
}

@media (max-width: 880px) {
  .menu-toggle { display: block; }
  .nav-button { margin-left: auto; }
  .site-nav {
    flex: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    gap: 0;
    background: #fff;
    color: var(--ink);
    border-bottom: 1px solid #d9e1de;
    box-shadow: 0 4px 12px rgba(0,0,0,.08);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 14px 24px; border-top: 1px solid #d9e1de; color: var(--ink); }
  .hero { min-height: 560px; }
  .hero-content { padding-top: 40px; }
}

@media (max-width: 980px) {
  .reviews-hero { grid-template-columns: 1fr; }
  .about-hero-simple {
    background:
      linear-gradient(rgba(247,251,250,.58), rgba(247,251,250,.58)),
      url("../images/about-karin/about-karin-cta-tablet.jpg") center 56% / cover no-repeat;
    background-image:
      linear-gradient(rgba(247,251,250,.58), rgba(247,251,250,.58)),
      image-set(url("../images/about-karin/about-karin-cta-tablet.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-tablet.jpg") type("image/jpeg"));
  }
  .hero--loans {
    background-image: url("../images/loan-options/ftb-dpa-tablet.jpg");
    background-image: image-set(url("../images/loan-options/ftb-dpa-tablet.webp") type("image/webp"), url("../images/loan-options/ftb-dpa-tablet.jpg") type("image/jpeg"));
  }
  .hero--ftb {
    background: image-set(url("../images/first-time-home-buyer/ftb-consultation-tablet.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-consultation-tablet.jpg") type("image/jpeg")) center 24% / cover no-repeat;
  }
  .va-page .hero--va {
    min-height: 430px;
    background: image-set(url("../images/va-loans/va-loans-hero-tablet.webp") type("image/webp"), url("../images/va-loans/va-loans-hero-tablet.jpg") type("image/jpeg")) center 40% / cover no-repeat;
  }
}

@media (max-width: 600px) {
  .about-hero-simple {
    min-height: 430px;
    background:
      linear-gradient(rgba(247,251,250,.58), rgba(247,251,250,.58)),
      url("../images/about-karin/about-karin-cta-mobile.jpg") center 56% / cover no-repeat;
    background-image:
      linear-gradient(rgba(247,251,250,.58), rgba(247,251,250,.58)),
      image-set(url("../images/about-karin/about-karin-cta-mobile.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-mobile.jpg") type("image/jpeg"));
  }
  .hero--loans {
    background-image: url("../images/loan-options/ftb-dpa-mobile.jpg");
    background-image: image-set(url("../images/loan-options/ftb-dpa-mobile.webp") type("image/webp"), url("../images/loan-options/ftb-dpa-mobile.jpg") type("image/jpeg"));
  }
  .hero--ftb {
    min-height: 560px;
    background: image-set(url("../images/first-time-home-buyer/ftb-consultation-mobile.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-consultation-mobile.jpg") type("image/jpeg")) center 24% / cover no-repeat;
  }
  .va-page .hero--va {
    background: image-set(url("../images/va-loans/va-loans-hero-mobile.webp") type("image/webp"), url("../images/va-loans/va-loans-hero-mobile.jpg") type("image/jpeg")) center 40% / cover no-repeat;
  }
}