/* 5 Star Mortgage Lender — single stylesheet, no build step, no framework. */

:root {
  --navy: #1b3a5c;
  --navy-deep: #12283f;
  --gold: #d9a441;
  --ink: #16202b;
  --body: #3d4b5a;
  --muted: #6b7a8b;
  --line: #dfe5ec;
  --bg: #ffffff;
  --bg-alt: #f5f8fb;
  --bg-band: #1b3a5c;
  --focus: #0b6bcb;
  --radius: 10px;
  --wrap: 1120px;
  --narrow: 720px;
}

@media (prefers-color-scheme: dark) {
  :root {
    --navy: #7fb3e8;
    --navy-deep: #0d1926;
    --gold: #e6b959;
    --ink: #eef3f8;
    --body: #c2ceda;
    --muted: #93a3b4;
    --line: #26374a;
    --bg: #0d1621;
    --bg-alt: #131f2d;
    --bg-band: #16283c;
    --focus: #7fb3e8;
  }
}

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--body);
  font: 400 17px/1.65 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

h1, h2, h3, h4 { color: var(--ink); line-height: 1.22; margin: 0 0 .5em; font-weight: 700; letter-spacing: -.015em; }
h1 { font-size: clamp(2rem, 4.2vw, 3rem); }
h2 { font-size: clamp(1.45rem, 2.6vw, 2rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1.1em; }
a { color: var(--focus); text-underline-offset: .16em; }
a:hover { text-decoration: none; }

:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 3px; }

img { max-width: 100%; height: auto; }

.wrap { width: min(100% - 2.5rem, var(--wrap)); margin-inline: auto; }
.wrap.narrow, .narrow { width: min(100% - 2.5rem, var(--narrow)); margin-inline: auto; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--bg); color: var(--ink); padding: .75rem 1.25rem; border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }

/* ------------------------------------------------------------------ header */

.site-header { background: var(--bg); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 40; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 68px; }

.brand { display: inline-flex; align-items: center; gap: .5rem; font-weight: 700; font-size: 1.06rem; color: var(--ink); text-decoration: none; letter-spacing: -.01em; }
.brand-star { color: var(--gold); }

.site-nav { display: flex; align-items: center; gap: 1.4rem; }
.site-nav a { color: var(--body); text-decoration: none; font-size: .95rem; font-weight: 500; }
.site-nav a:hover { color: var(--focus); }
.site-nav .nav-cta {
  background: var(--navy); color: #fff; padding: .55rem 1.05rem; border-radius: var(--radius); font-weight: 600;
}
@media (prefers-color-scheme: dark) { .site-nav .nav-cta { color: var(--navy-deep); } }
.site-nav .nav-cta:hover { opacity: .88; color: #fff; }
@media (prefers-color-scheme: dark) { .site-nav .nav-cta:hover { color: var(--navy-deep); } }

.nav-toggle { display: none; background: none; border: 0; padding: .5rem; cursor: pointer; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 4px 0; }

@media (max-width: 800px) {
  .nav-toggle { display: block; }
  .site-nav {
    position: absolute; inset: 68px 0 auto; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--bg); border-bottom: 1px solid var(--line); padding: .5rem 1.25rem 1.25rem;
  }
  .site-nav[hidden] { display: none; }
  .site-nav a { padding: .8rem 0; border-bottom: 1px solid var(--line); }
  .site-nav .nav-cta { margin-top: .9rem; text-align: center; border-bottom: 0; }
}

/* -------------------------------------------------------------- structure */

main > section { padding: clamp(2.2rem, 5vw, 3.6rem) 0; }
main > section:nth-child(even of .card-section, .faq-section) { background: var(--bg-alt); }

.hero { background: var(--bg-alt); border-bottom: 1px solid var(--line); }
.hero h1 { max-width: 20ch; }
.eyebrow { text-transform: uppercase; letter-spacing: .09em; font-size: .76rem; font-weight: 700; color: var(--gold); margin: 0 0 .6rem; }
.lead { font-size: 1.14rem; color: var(--body); max-width: 62ch; margin: 0; }
.section-intro { color: var(--muted); max-width: 68ch; }

.breadcrumbs { padding: .9rem 0 0; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .45rem; margin: 0; padding: 0; font-size: .85rem; color: var(--muted); }
.breadcrumbs li + li::before { content: "/"; margin-right: .45rem; color: var(--line); }
.breadcrumbs a { color: var(--muted); }

.prose-section h3 { margin-top: 1.8em; }
.prose-section ul, .post-body ul, .prose-section ol, .post-body ol { padding-left: 1.25rem; margin: 0 0 1.2em; }
.prose-section li, .post-body li { margin-bottom: .5em; }

/* ------------------------------------------------------------------ cards */

.card-grid { display: grid; gap: 1.1rem; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.card { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.35rem; }
.card h3 { margin-bottom: .4rem; font-size: 1.06rem; }
.card h3 a { color: var(--ink); text-decoration: none; }
.card h3 a:hover { color: var(--focus); }
.card p { margin: 0; font-size: .95rem; color: var(--muted); }

/* ------------------------------------------------------------------ rates */

.rate-widget-panel { background: var(--bg-alt); }
.rate-widget-scroll { overflow-x: auto; padding: .25rem 0 .5rem; }
.rate-widget-frame { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; max-width: 100%; display: block; }
.rate-widget-source { font-size: .82rem; color: var(--muted); line-height: 1.55; max-width: 78ch; margin-top: 1rem; }

.market-rate-list { list-style: none; display: flex; flex-wrap: wrap; gap: 1.5rem; margin: 0 0 .8rem; padding: 0; }
.market-rate { border-left: 3px solid var(--gold); padding-left: .85rem; }
.market-rate-label { display: block; font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }
.market-rate-value { display: block; font-size: 1.55rem; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }
.market-rate-change { font-size: .82rem; font-weight: 600; margin-left: .4rem; }
.market-rate-change.up { color: #b4472c; }
.market-rate-change.down { color: #1f7a4d; }
.market-rate-asof { font-size: .85rem; color: var(--muted); }
.market-rate-fallback { color: var(--muted); max-width: 68ch; }

/* --------------------------------------------------------------- listings */

.latest-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }
.latest-item { display: flex; gap: 1.1rem; align-items: baseline; padding: .85rem 0; border-bottom: 1px solid var(--line); }
.latest-item time { flex: 0 0 8.5rem; font-size: .84rem; color: var(--muted); font-variant-numeric: tabular-nums; }
.latest-item a { color: var(--ink); text-decoration: none; font-weight: 600; }
.latest-item a:hover { color: var(--focus); text-decoration: underline; }
.latest-more { margin-top: 1.1rem; font-weight: 600; }
@media (max-width: 560px) {
  .latest-item { flex-direction: column; gap: .2rem; }
  .latest-item time { flex: none; }
}

.post-list { display: grid; gap: 1.1rem; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.post-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.35rem; background: var(--bg); }
.post-card h2 { font-size: 1.12rem; margin: .25rem 0 .5rem; }
.post-card h2 a { color: var(--ink); text-decoration: none; }
.post-card h2 a:hover { color: var(--focus); }
.post-card p { font-size: .94rem; color: var(--muted); margin: 0; }
.post-card-meta { font-size: .8rem; color: var(--muted); margin: 0; }
.tag-news { color: var(--gold); font-weight: 700; text-transform: uppercase; letter-spacing: .05em; }

.pagination { display: flex; align-items: center; justify-content: center; gap: 1.5rem; margin-top: 2.2rem; font-weight: 600; }
.page-status { color: var(--muted); font-weight: 400; font-size: .9rem; }

/* ------------------------------------------------------------------- post */

.post { padding-top: 1.5rem; }
.post-head { margin-bottom: 1.5rem; }
.post-meta { font-size: .88rem; color: var(--muted); margin: .8rem 0 0; }
.post-hero { border-radius: var(--radius); margin-bottom: 1.8rem; }
.post-body h2 { margin-top: 1.9em; font-size: 1.4rem; }
.post-body h3 { margin-top: 1.6em; }
.post-body blockquote {
  margin: 1.5em 0; padding: .2em 0 .2em 1.15rem; border-left: 3px solid var(--gold); color: var(--ink); font-style: italic;
}
.post-body code { background: var(--bg-alt); padding: .12em .35em; border-radius: 4px; font-size: .92em; }

.post-sources, .post-related { margin-top: 2.5rem; padding-top: 1.3rem; border-top: 1px solid var(--line); }
.post-sources h2, .post-related h2 { font-size: 1rem; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); }
.post-sources ul, .post-related ul { list-style: none; margin: 0; padding: 0; }
.post-sources li, .post-related li { margin-bottom: .55rem; font-size: .94rem; }
.source-name { color: var(--muted); font-size: .86rem; }

/* -------------------------------------------------------------------- CTA */

.cta-band { background: var(--bg-band); color: #e8eef5; text-align: center; }
.cta-band h2 { color: #fff; max-width: 24ch; margin-inline: auto; }
.cta-band p { max-width: 60ch; margin-inline: auto; color: #c3d1de; }
.btn-primary {
  display: inline-block; background: var(--gold); color: #14212e; font-weight: 700;
  padding: .85rem 1.9rem; border-radius: var(--radius); text-decoration: none; margin-top: .6rem;
}
.btn-primary:hover { opacity: .9; color: #14212e; }
.cta-fine { font-size: .8rem; color: #9fb2c4; margin-top: 1.1rem; }

/* -------------------------------------------------------------------- FAQ */

.faq-item { border-bottom: 1px solid var(--line); padding: .35rem 0; }
.faq-item summary { cursor: pointer; font-weight: 600; color: var(--ink); padding: .85rem 0; list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--gold); font-size: 1.3rem; line-height: 1; }
.faq-item[open] summary::after { content: "\2013"; }
.faq-answer { padding-bottom: .9rem; color: var(--body); }
.faq-answer p:last-child { margin-bottom: 0; }

/* ---------------------------------------------------------------- sitemap */

.sitemap-grid { display: grid; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); padding-bottom: 3rem; }
.sitemap-block h2 { font-size: 1.05rem; }
.sitemap-block ul { list-style: none; margin: 0; padding: 0; }
.sitemap-block li { margin-bottom: .45rem; font-size: .93rem; }

/* ------------------------------------------------------------------ footer */

.site-footer { background: var(--bg-alt); border-top: 1px solid var(--line); padding: 2.8rem 0 2rem; margin-top: 0; }
.footer-cols { display: grid; gap: 2rem; grid-template-columns: 2fr 1fr 1fr; }
@media (max-width: 720px) { .footer-cols { grid-template-columns: 1fr; } }
.footer-brand { font-weight: 700; color: var(--ink); margin-bottom: .5rem; }
.footer-note { font-size: .9rem; color: var(--muted); max-width: 40ch; }
.footer-head { font-weight: 700; color: var(--ink); font-size: .82rem; text-transform: uppercase; letter-spacing: .07em; margin-bottom: .7rem; }
.site-footer nav a { display: block; color: var(--body); text-decoration: none; font-size: .92rem; margin-bottom: .45rem; }
.site-footer nav a:hover { color: var(--focus); }

.footer-legal { border-top: 1px solid var(--line); margin-top: 2.2rem; padding-top: 1.4rem; }
.footer-legal p { font-size: .8rem; color: var(--muted); line-height: 1.6; max-width: 92ch; }
.copyright { margin-bottom: 0; }

@media print {
  .site-header, .site-footer nav, .cta-band, .nav-toggle { display: none; }
}