:root {
  --bg: #f2f1ed;
  --surface: #ffffff;
  --surface-soft: #eef3f2;
  --ink: #1d2629;
  --muted: #57636c;
  --primary: #214f64;
  --secondary: #2b7a6c;
  --accent: #d97706;
  --rose: #b24a3f;
  --radius: 8px;
  --shadow: 0 16px 34px rgba(15, 31, 45, 0.12);
}

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

html,
body {
  margin: 0;
  padding: 0;
}

body {
  background: var(--bg);
  color: var(--ink);
  font-family: "Manrope", sans-serif;
  line-height: 1.5;
}

img,
video {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1120px, 92vw);
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(247, 245, 241, 0.88);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(33, 79, 100, 0.08);
}

.nav-wrap {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: 0;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: inline-grid;
  place-items: center;
  background: linear-gradient(135deg, var(--secondary), var(--primary));
  color: #fff;
  font-size: 13px;
  font-weight: 800;
}

.main-nav {
  display: inline-flex;
  align-items: center;
  gap: 18px;
  font-weight: 600;
  color: var(--muted);
}

.main-nav a {
  padding: 8px 0;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  padding: 0 18px;
  border-radius: 8px;
  border: 0;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-solid {
  background: var(--primary);
  color: #fff;
}

.btn-solid:hover {
  box-shadow: 0 10px 20px rgba(33, 79, 100, 0.2);
}

.btn-accent {
  background: var(--accent);
  color: #fff;
}

.btn-accent:hover {
  box-shadow: 0 10px 20px rgba(217, 119, 6, 0.24);
}

.btn-outline {
  border: 1px solid rgba(255, 255, 255, 0.48);
  color: #fff;
  background: transparent;
}

.hero {
  position: relative;
  min-height: 84vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url("https://images.pexels.com/photos/106399/pexels-photo-106399.jpeg?auto=compress&cs=tinysrgb&w=2400");
  background-size: cover;
  background-position: center;
  transform: scale(1.03);
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(112deg, rgba(13, 24, 38, 0.8) 0%, rgba(13, 24, 38, 0.62) 42%, rgba(43, 122, 108, 0.22) 100%);
}

.hero-content {
  position: relative;
  z-index: 1;
  padding: 72px 0 74px;
  color: #fff;
  max-width: 780px;
}

.eyebrow {
  margin: 0 0 10px;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0;
  color: rgba(255, 255, 255, 0.92);
}

.eyebrow.dark {
  color: var(--secondary);
}

h1,
h2,
h3 {
  font-family: "Playfair Display", serif;
  line-height: 1.12;
  margin: 0 0 14px;
  letter-spacing: 0;
}

h1 {
  font-size: 56px;
  max-width: 17ch;
}

h2 {
  font-size: 40px;
  max-width: 22ch;
}

h3 {
  font-size: 30px;
}

p {
  margin: 0 0 14px;
}

.hero-copy {
  max-width: 58ch;
  color: rgba(255, 255, 255, 0.94);
}

.hero-actions {
  margin: 26px 0 28px;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero-stats {
  margin: 8px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.hero-stats li {
  background: rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(4px);
  border-radius: 8px;
  padding: 12px;
  min-height: 90px;
}

.hero-stats strong {
  display: block;
  font-size: 24px;
  font-weight: 800;
}

.hero-stats span {
  display: block;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.9);
}

.trust-strip {
  background: linear-gradient(135deg, #1f3f57 0%, #2b7a6c 100%);
  color: #fff;
  padding: 20px 0;
}

.trust-grid {
  display: grid;
  gap: 14px;
}

.trust-title {
  margin: 0;
  font-weight: 700;
  font-size: 15px;
}

.logo-row {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
}

.logo-row span {
  min-height: 42px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 700;
  background: rgba(255, 255, 255, 0.15);
}

.section {
  padding: 76px 0;
}

.programs {
  background: var(--surface);
}

.program-grid {
  margin-top: 28px;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.program-card {
  background: var(--surface-soft);
  border-radius: 8px;
  padding: 18px;
  min-height: 176px;
  box-shadow: var(--shadow);
}

.program-card h3 {
  margin-bottom: 8px;
  font-size: 24px;
}

.program-card p {
  margin: 0;
  color: var(--muted);
}

.pathways {
  background: #f0ece8;
}

.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.pathway {
  border-radius: 8px;
  padding: 28px;
  color: #fff;
  min-height: 320px;
  background-size: cover;
  background-position: center;
  position: relative;
  overflow: hidden;
}

.pathway::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(18, 27, 44, 0.84), rgba(25, 58, 73, 0.65));
}

.pathway.purchase {
  background-image: url("https://images.pexels.com/photos/323780/pexels-photo-323780.jpeg?auto=compress&cs=tinysrgb&w=1600");
}

.pathway.refinance {
  background-image: url("https://images.pexels.com/photos/280222/pexels-photo-280222.jpeg?auto=compress&cs=tinysrgb&w=1600");
}

.pathway > * {
  position: relative;
  z-index: 1;
}

.pathway .eyebrow.dark {
  color: #a6ddd4;
}

.pathway ul {
  margin: 14px 0 0;
  padding: 0 0 0 18px;
  display: grid;
  gap: 8px;
}

.calculator {
  background: linear-gradient(120deg, #f6f3ee 0%, #e7efed 100%);
}

.calc-layout {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 18px;
  align-items: start;
}

.calc-form {
  background: rgba(255, 255, 255, 0.88);
  border-radius: 8px;
  padding: 20px;
  box-shadow: var(--shadow);
  display: grid;
  gap: 12px;
}

.calc-form label,
.contact-form label {
  display: grid;
  gap: 6px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid rgba(87, 99, 108, 0.28);
  border-radius: 8px;
  background: #fff;
  min-height: 44px;
  padding: 10px 12px;
  font: inherit;
  color: var(--ink);
}

input:focus,
select:focus,
textarea:focus {
  outline: 2px solid rgba(43, 122, 108, 0.28);
  outline-offset: 1px;
}

.calc-result {
  margin: 2px 0 0;
  font-size: 21px;
  font-weight: 800;
  color: var(--primary);
}

.calc-footnote {
  margin: 0;
  font-size: 12px;
  color: var(--muted);
}

.process {
  background: var(--surface);
}

.timeline {
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 10px;
}

.timeline li {
  min-height: 130px;
  border-radius: 8px;
  background: #eaf1ee;
  padding: 14px;
}

.timeline strong {
  display: block;
  color: var(--primary);
  margin-bottom: 8px;
}

.timeline span {
  color: var(--muted);
  font-size: 14px;
}

.testimonials {
  background: #f3efea;
}

.testimonial-box {
  margin-top: 24px;
  border-radius: 8px;
  background: #fff;
  box-shadow: var(--shadow);
  padding: 26px;
}

blockquote {
  margin: 0 0 10px;
  font-size: 34px;
  font-family: "Playfair Display", serif;
  color: var(--primary);
  max-width: 28ch;
}

#quoteMeta {
  margin-bottom: 18px;
  color: var(--muted);
  font-weight: 600;
}

.quote-controls {
  display: flex;
  gap: 8px;
}

.quote-controls button {
  height: 38px;
  min-width: 78px;
  border-radius: 8px;
  border: 1px solid rgba(33, 79, 100, 0.26);
  background: #fff;
  font: inherit;
  cursor: pointer;
}

.faq {
  background: var(--surface);
}

.faq-list {
  margin-top: 22px;
  display: grid;
  gap: 10px;
}

.faq-item {
  border-radius: 8px;
  background: #eef3f2;
}

.faq-question {
  width: 100%;
  background: transparent;
  border: 0;
  text-align: left;
  font: inherit;
  font-weight: 700;
  color: var(--ink);
  min-height: 62px;
  padding: 0 16px;
  cursor: pointer;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}

.faq-answer p {
  margin: 0;
  padding: 0 16px 16px;
  color: var(--muted);
}

.faq-item.active .faq-answer {
  max-height: 160px;
}

.contact {
  background:
    linear-gradient(180deg, rgba(31, 122, 108, 0.08), rgba(217, 119, 6, 0.08)),
    url("https://images.pexels.com/photos/3183198/pexels-photo-3183198.jpeg?auto=compress&cs=tinysrgb&w=1600");
  background-size: cover;
  background-position: center;
}

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.contact-copy,
.contact-form {
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.9);
  padding: 24px;
  box-shadow: var(--shadow);
}

.contact-copy ul {
  margin: 18px 0 0;
  padding-left: 18px;
  display: grid;
  gap: 8px;
}

.contact-form {
  display: grid;
  gap: 11px;
}

.consent {
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 10px;
  font-size: 13px;
  color: var(--muted);
}

.consent input {
  width: 18px;
  height: 18px;
  min-height: 18px;
  margin-top: 2px;
}

.site-footer {
  background: #16262d;
  color: rgba(245, 251, 250, 0.9);
  padding: 38px 0 20px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1.4fr 1fr;
  gap: 16px;
}

.footer-brand {
  font-family: "Playfair Display", serif;
  font-size: 27px;
  margin-bottom: 10px;
}

.footer-heading {
  font-weight: 800;
  margin-bottom: 10px;
}

.footer-grid a {
  display: block;
  color: rgba(245, 251, 250, 0.9);
  margin-bottom: 8px;
}

.legal-note {
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.legal-note p {
  margin: 0;
  color: rgba(245, 251, 250, 0.8);
  font-size: 13px;
}

@media (max-width: 1024px) {
  .main-nav {
    display: none;
  }

  .hero {
    min-height: 78vh;
  }

  h1 {
    font-size: 44px;
  }

  h2 {
    font-size: 34px;
  }

  h3 {
    font-size: 27px;
  }

  blockquote {
    font-size: 30px;
  }

  .hero-stats {
    grid-template-columns: 1fr;
  }

  .logo-row {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .program-grid,
  .split,
  .calc-layout,
  .contact-layout,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 620px) {
  .nav-wrap {
    min-height: 70px;
  }

  .brand span:last-child {
    font-size: 14px;
  }

  .btn {
    height: 42px;
  }

  h1 {
    font-size: 34px;
  }

  h2 {
    font-size: 29px;
  }

  h3 {
    font-size: 24px;
  }

  blockquote {
    font-size: 24px;
  }

  .hero-content {
    padding: 58px 0;
  }

  .hero-actions {
    width: 100%;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .logo-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .timeline {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 62px 0;
  }
}