/* Total Trust Home Loans — brand: navy #113a5c, sky #3f93d1, ink #0b0b0c */
:root {
  --navy: #113a5c;
  --navy-deep: #0c2b45;
  --sky: #3f93d1;
  --sky-soft: #e8f2fa;
  --ink: #16181d;
  --muted: #5a6472;
  --line: #e3e8ee;
  --bg: #ffffff;
  --bg-alt: #f6f9fc;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(17, 58, 92, .10);
  --font-head: "Manrope", system-ui, sans-serif;
  --font-body: "Inter", system-ui, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--sky); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { width: min(1160px, 92%); margin-inline: auto; }
.center { text-align: center; margin-top: 2.2rem; }

.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff;
  padding: .6rem 1rem; z-index: 100;
}
.skip-link:focus { left: 0; }

h1, h2, h3 { font-family: var(--font-head); line-height: 1.15; color: var(--navy); }
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); font-weight: 800; letter-spacing: -.01em; margin-bottom: 1.2rem; }
h3 { font-size: 1.12rem; font-weight: 700; margin-bottom: .5rem; }

.eyebrow {
  font-family: var(--font-head); font-weight: 700; font-size: .8rem;
  letter-spacing: .12em; text-transform: uppercase; color: var(--sky);
  margin-bottom: .7rem;
}

.btn {
  display: inline-block; font-family: var(--font-head); font-weight: 700;
  border-radius: 10px; padding: .78rem 1.5rem; font-size: .95rem;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  cursor: pointer; border: 2px solid transparent; text-decoration: none !important;
}
.btn-lg { padding: .95rem 1.9rem; font-size: 1.03rem; }
.btn-primary { background: var(--sky); color: #fff; box-shadow: 0 6px 18px rgba(63,147,209,.35); }
.btn-primary:hover { background: #2f82c2; transform: translateY(-2px); }
.btn-ghost { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-ghost:hover { background: var(--navy); color: #fff; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94);
  backdrop-filter: blur(10px); border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: .55rem 0; }
.brand-logo { height: 54px; width: auto; }
.nav-menu { display: flex; align-items: center; gap: 1.6rem; list-style: none; }
.nav-menu a:not(.btn) {
  color: var(--ink); font-weight: 600; font-size: .93rem;
}
.nav-menu a:not(.btn):hover { color: var(--sky); text-decoration: none; }
.nav-toggle { display: none; background: none; border: 0; width: 40px; height: 34px; position: relative; }
.nav-toggle span {
  position: absolute; left: 8px; right: 8px; height: 2.5px; background: var(--navy); border-radius: 2px;
  transition: all .2s ease;
}
.nav-toggle span:nth-child(1){ top: 8px } .nav-toggle span:nth-child(2){ top: 16px } .nav-toggle span:nth-child(3){ top: 24px }

/* Hero */
.hero {
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(63,147,209,.18), transparent 60%),
    linear-gradient(180deg, var(--bg-alt), #fff 75%);
  padding: 5rem 0 4.5rem;
}
.hero-inner { display: grid; grid-template-columns: 1.25fr .75fr; gap: 3.5rem; align-items: center; }
.lede { font-size: 1.15rem; color: var(--muted); margin: 1.1rem 0 1.8rem; max-width: 34rem; }
.accent { color: var(--sky); }
.hero-ctas { display: flex; gap: .9rem; flex-wrap: wrap; margin-bottom: 1.6rem; }
.hero-points { list-style: none; display: flex; gap: 1.4rem; flex-wrap: wrap; }
.hero-points li { font-size: .88rem; font-weight: 600; color: var(--navy); padding-left: 1.3rem; position: relative; }
.hero-points li::before {
  content: "✓"; position: absolute; left: 0; color: var(--sky); font-weight: 800;
}
.hero-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 2.2rem; text-align: center;
}
.hero-house svg { width: 70%; margin: 0 auto 1.2rem; }
.hero-card-title { font-family: var(--font-head); font-weight: 800; font-size: 1.25rem; color: var(--navy); }
.hero-card-sub { font-size: .9rem; color: var(--muted); margin-top: .5rem; }

/* Trust bar */
.trustbar { background: var(--navy); color: #fff; padding: 1.6rem 0; }
.trustbar-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; text-align: center; }
.trust-item { display: flex; flex-direction: column; gap: .15rem; }
.trust-num { font-family: var(--font-head); font-weight: 800; font-size: 1.5rem; color: #9ecbec; }
.trust-label { font-size: .82rem; opacity: .85; }

/* Sections */
.section { padding: 5rem 0; }
.section:nth-of-type(even) { background: var(--bg-alt); }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.2rem; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem; transition: transform .18s ease, box-shadow .18s ease;
  display: flex; flex-direction: column;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card p { color: var(--muted); font-size: .93rem; flex: 1; }
.card-link { font-weight: 700; font-size: .92rem; margin-top: 1rem; display: inline-block; }

/* Process */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; margin-top: 2.4rem; counter-reset: step; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.7rem;
  position: relative;
}
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--sky-soft); color: var(--sky);
  font-family: var(--font-head); font-weight: 800; font-size: 1.15rem; margin-bottom: 1rem;
}
.step p { color: var(--muted); font-size: .92rem; }

/* About */
.about-inner { display: grid; grid-template-columns: .8fr 1.2fr; gap: 3.5rem; align-items: center; }
.about-photo { position: relative; }
.about-photo img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; height: auto; }
.about-badge {
  position: absolute; left: 1rem; bottom: 1rem; right: 1rem;
  background: rgba(17,58,92,.92); color: #fff; border-radius: 10px; padding: .7rem 1rem;
  display: flex; flex-direction: column; backdrop-filter: blur(4px);
}
.about-badge strong { font-family: var(--font-head); }
.about-badge span { font-size: .8rem; opacity: .85; }
.about-copy p:not(.eyebrow) { color: var(--muted); margin-bottom: 1rem; }
.about-ctas { display: flex; gap: .9rem; flex-wrap: wrap; margin-top: 1.4rem; }

/* Reviews */
.review-rotator { max-width: 720px; margin: 2.2rem auto 0; }
.review-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 2.4rem; text-align: center; min-height: 240px;
  display: flex; flex-direction: column; justify-content: center; gap: 1rem;
  transition: opacity .35s ease;
}
.review-card.is-fading { opacity: 0; }
.review-stars { color: #f5a623; font-size: 1.25rem; letter-spacing: .2em; }
.review-text { font-size: 1.08rem; color: var(--ink); font-style: italic; }
.review-meta { display: flex; gap: .8rem; justify-content: center; align-items: baseline; flex-wrap: wrap; color: var(--muted); font-size: .88rem; }
.review-meta cite { font-style: normal; font-weight: 700; color: var(--navy); }
.review-source { font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; }
.review-controls { display: flex; align-items: center; justify-content: center; gap: 1.2rem; margin-top: 1.3rem; }
.review-btn {
  width: 40px; height: 40px; border-radius: 50%; border: 1px solid var(--line); background: #fff;
  font-size: 1.05rem; cursor: pointer; color: var(--navy); transition: background .15s ease;
}
.review-btn:hover { background: var(--sky-soft); }
.review-dots { display: flex; gap: .45rem; }
.review-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--line); border: 0; padding: 0; cursor: pointer; }
.review-dot.is-active { background: var(--sky); }
.review-cta { margin-top: 1.6rem; font-weight: 600; }
.review-sample-flag {
  display: inline-block; background: #fff3cd; color: #7a5d00; font-size: .72rem; font-weight: 700;
  letter-spacing: .06em; text-transform: uppercase; border-radius: 6px; padding: .2rem .55rem;
}

/* Contact */
.contact-inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 3.5rem; align-items: start; }
.contact-copy > p:not(.eyebrow) { color: var(--muted); margin-bottom: 1.4rem; }
.contact-list { list-style: none; margin: 0 0 1.8rem; display: flex; flex-direction: column; gap: .9rem; }
.contact-list li { display: flex; flex-direction: column; }
.contact-label { font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--sky); }
.contact-list a, .contact-list span:not(.contact-label) { font-size: 1.08rem; font-weight: 600; color: var(--ink); }
.contact-form {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 2rem; display: flex; flex-direction: column; gap: 1rem;
}
.contact-form label { display: flex; flex-direction: column; gap: .35rem; font-weight: 600; font-size: .88rem; color: var(--navy); }
.contact-form input, .contact-form textarea {
  border: 1px solid var(--line); border-radius: 8px; padding: .7rem .9rem; font: inherit;
  background: var(--bg-alt);
}
.contact-form input:focus, .contact-form textarea:focus { outline: 2px solid var(--sky); background: #fff; }
.form-note { font-size: .78rem; color: var(--muted); }

/* Footer */
.site-footer { background: var(--navy-deep); color: #cfdbe6; padding: 3.5rem 0 2.5rem; }
.footer-inner { display: grid; grid-template-columns: .8fr 1.2fr; gap: 3rem; }
.footer-logo { height: 60px; width: auto; background: #fff; border-radius: 8px; padding: 6px; margin-bottom: 1rem; }
.footer-brand p { font-size: .88rem; }
.footer-legal { font-size: .8rem; display: flex; flex-direction: column; gap: .6rem; }
.footer-legal a { color: #9ecbec; }
.footer-eho { display: flex; align-items: center; gap: .5rem; font-weight: 600; }
.eho { width: 22px; height: 22px; fill: #cfdbe6; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .55s ease, transform .55s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

/* Responsive */
@media (max-width: 900px) {
  .hero-inner, .about-inner, .contact-inner, .footer-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .trustbar-inner { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 620px) {
  .card-grid, .steps { grid-template-columns: 1fr; }
  .nav-toggle { display: block; }
  .nav-menu {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; padding: 1.2rem 5%; gap: 1rem; align-items: flex-start;
  }
  .nav-menu.is-open { display: flex; }
  .section { padding: 3.5rem 0; }
}