/* Floating Home Loans — shared styles
   Palette + type matched to floatinghomeliving.com (coastal Sausalito) */

:root {
  --navy: #0f2a3f;
  --navy-deep: #0a1f30;
  --ocean: #1c4e6b;
  --teal: #2b7a8c;
  --sand: #f5efe6;
  --cream: #fbf8f2;
  --sand-line: #e6dccb;
  --ink: #1a2a35;
  --muted: #5b6b76;
  --gold: #c8a15a;
  --white: #ffffff;
  --shadow: 0 10px 40px rgba(15, 42, 63, 0.12);
  --radius: 14px;
  --maxw: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .display {
  font-family: "Playfair Display", Georgia, "Times New Roman", serif;
  color: var(--navy);
  line-height: 1.15;
  font-weight: 700;
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.2vw, 1.5rem); }

.italic { font-style: italic; color: var(--teal); }

p { margin: 0 0 1.1em; }

a { color: var(--ocean); text-decoration: none; }
a:hover { text-decoration: underline; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 1.4rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251, 248, 242, 0.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--sand-line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.85rem 1.4rem;
  max-width: var(--maxw);
  margin: 0 auto;
}
.brand {
  font-family: "Playfair Display", Georgia, serif;
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
  letter-spacing: 0.2px;
}
.brand span { color: var(--teal); }
.nav-links { display: flex; gap: 1.5rem; align-items: center; }
.nav-links a {
  color: var(--navy);
  font-weight: 500;
  font-size: 0.98rem;
}
.nav-links a:hover { color: var(--teal); text-decoration: none; }
.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 0.5rem 1rem;
  border-radius: 999px;
  font-size: 0.9rem;
}
.nav-cta:hover { background: var(--ocean); text-decoration: none; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--ocean) 100%);
  color: var(--cream);
  padding: 4.5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -1px;
  height: 60px;
  background: var(--cream);
  clip-path: polygon(0 100%, 100% 100%, 100% 0, 75% 55%, 50% 15%, 25% 60%, 0 20%);
  opacity: 0.0;
}
.hero .wrap { position: relative; z-index: 2; }
.hero .eyebrow {
  text-transform: uppercase;
  letter-spacing: 2px;
  font-size: 0.78rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 1rem;
}
.hero h1 { color: var(--white); max-width: 16ch; }
.hero p.lead {
  color: rgba(255,255,255,0.88);
  font-size: 1.15rem;
  max-width: 60ch;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.2s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--gold); color: var(--navy-deep); }
.btn-primary:hover { background: #d9b877; }
.btn-outline { border: 1.5px solid rgba(255,255,255,0.6); color: var(--white); }
.btn-outline:hover { background: rgba(255,255,255,0.12); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--ocean); }
.btn-row { display: flex; gap: 1rem; flex-wrap: wrap; margin-top: 1.8rem; }

/* ---------- Sections ---------- */
section { padding: 3.5rem 0; }
.section-tag {
  text-transform: uppercase;
  letter-spacing: 2px;
  font-size: 0.75rem;
  color: var(--teal);
  font-weight: 700;
  margin-bottom: 0.6rem;
}
.lead-block { max-width: 68ch; }
.muted { color: var(--muted); }

/* ---------- Cards / grid ---------- */
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.4rem;
  margin-top: 2rem;
}
.card {
  background: var(--white);
  border: 1px solid var(--sand-line);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: var(--shadow);
}
.card .ic { font-size: 1.8rem; display: block; margin-bottom: 0.6rem; }
.card h3 { margin-bottom: 0.4rem; }
.card p { color: var(--muted); font-size: 0.97rem; margin-bottom: 0; }

/* ---------- Highlight band ---------- */
.band {
  background: var(--sand);
  border-top: 1px solid var(--sand-line);
  border-bottom: 1px solid var(--sand-line);
}
.band-navy {
  background: linear-gradient(160deg, var(--ocean) 0%, var(--navy) 100%);
  color: var(--cream);
}
.band-navy h2, .band-navy h3 { color: var(--white); }
.band-navy p { color: rgba(255,255,255,0.88); }

/* ---------- Steps ---------- */
.steps { counter-reset: step; margin-top: 2rem; }
.step {
  display: flex;
  gap: 1.1rem;
  padding: 1.2rem 0;
  border-bottom: 1px solid var(--sand-line);
}
.step:last-child { border-bottom: none; }
.step .num {
  flex: 0 0 auto;
  width: 2.4rem; height: 2.4rem;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: grid; place-items: center;
  font-family: "Playfair Display", serif;
  font-weight: 700;
}
.step h3 { margin: 0.2rem 0 0.3rem; }
.step p { margin: 0; color: var(--muted); }

/* ---------- FAQ ---------- */
.faq { margin-top: 2rem; }
.faq details {
  background: var(--white);
  border: 1px solid var(--sand-line);
  border-radius: var(--radius);
  margin-bottom: 0.9rem;
  overflow: hidden;
}
.faq summary {
  cursor: pointer;
  padding: 1.15rem 1.4rem;
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--navy);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  font-size: 1.5rem;
  color: var(--teal);
  font-weight: 400;
  flex: 0 0 auto;
}
.faq details[open] summary::after { content: "\2013"; }
.faq .answer { padding: 0 1.4rem 1.3rem; color: var(--ink); }
.faq .answer p { margin-bottom: 0.8rem; }
.faq .answer p:last-child { margin-bottom: 0; }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.4rem;
  margin-top: 2rem;
}
.contact-item {
  background: var(--white);
  border: 1px solid var(--sand-line);
  border-radius: var(--radius);
  padding: 1.6rem;
  text-align: center;
}
.contact-item .ic { font-size: 1.8rem; }
.contact-item a { font-size: 1.2rem; font-weight: 600; color: var(--navy); }
.credentials {
  font-size: 0.9rem;
  color: var(--muted);
  letter-spacing: 0.5px;
  margin-top: 1.5rem;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.8);
  padding: 3rem 0 2rem;
  font-size: 0.95rem;
}
.site-footer a { color: var(--gold); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2rem;
}
.site-footer h4 {
  color: var(--white);
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin: 0 0 0.9rem;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.5rem; }
.footer-brand {
  font-family: "Playfair Display", serif;
  font-size: 1.25rem;
  color: var(--white);
  margin-bottom: 0.6rem;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.15);
  margin-top: 2rem;
  padding-top: 1.4rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
}
.footer-bottom .lic { display: block; margin-top: 0.4rem; }

/* ---------- Responsive ---------- */
@media (max-width: 760px) {
  .nav-links { gap: 0.9rem; }
  .nav-links a.hide-sm { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .hero { padding: 3rem 0 2.5rem; }
  section { padding: 2.6rem 0; }
}