:root {
  --navy: #17324d;
  --ink: #1f2933;
  --muted: #52606d;
  --line: #d9e2ec;
  --soft-blue: #d9ecf7;
  --soft-green: #ddeee7;
  --paper: #f7fafc;
  --white: #ffffff;
  --accent: #d34a34;
  --shadow: 0 18px 45px rgba(23, 50, 77, 0.16);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: -apple-system, BlinkMacSystemFont, "PingFang SC", "Microsoft YaHei", Arial, sans-serif;
  line-height: 1.55;
}

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

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

.topbar {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px 34px;
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid rgba(217, 226, 236, 0.9);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: 220px;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  color: var(--white);
  background: var(--navy);
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
  margin-top: 2px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-size: 14px;
}

.nav a {
  white-space: nowrap;
}

.nav-cta {
  color: var(--white);
  background: var(--navy);
  border-radius: 999px;
  padding: 9px 14px;
}

.lang-switch {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  font-size: 13px;
  font-weight: 800;
}

.lang-switch a {
  padding: 6px 10px;
  border-radius: 999px;
  color: var(--muted);
}

.lang-switch a.active {
  color: var(--white);
  background: var(--navy);
}

.hero {
  position: relative;
  min-height: calc(100vh - 72px);
  overflow: hidden;
  isolation: isolate;
}

.hero-bg,
.hero-shade {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-bg {
  object-fit: cover;
  object-position: center;
  z-index: -2;
}

.advisor-photo {
  object-position: center;
}

.hero-shade {
  background:
    linear-gradient(90deg, rgba(247, 250, 252, 0.94) 0%, rgba(247, 250, 252, 0.82) 42%, rgba(247, 250, 252, 0.38) 100%),
    linear-gradient(0deg, rgba(23, 50, 77, 0.08), rgba(23, 50, 77, 0.08));
  z-index: -1;
}

.advisor-shade {
  background:
    linear-gradient(90deg, rgba(247, 250, 252, 0.06) 0%, rgba(247, 250, 252, 0.18) 38%, rgba(247, 250, 252, 0.96) 63%, rgba(247, 250, 252, 0.98) 100%),
    linear-gradient(0deg, rgba(23, 50, 77, 0.06), rgba(23, 50, 77, 0.06));
}

.hero-inner {
  width: min(1160px, calc(100% - 44px));
  min-height: calc(100vh - 72px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 430px;
  gap: 42px;
  align-items: center;
  padding: 42px 0 56px;
}

.advisor-inner {
  grid-template-columns: minmax(360px, 0.85fr) minmax(520px, 1.15fr);
  grid-template-rows: auto auto;
  gap: 28px 34px;
}

.advisor-inner .hero-copy {
  grid-column: 2;
  grid-row: 1;
  align-self: end;
}

.advisor-inner .tool-panel {
  grid-column: 2;
  grid-row: 2;
  max-width: 620px;
  align-self: start;
}

.hero-copy {
  max-width: 640px;
}

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

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  margin-bottom: 16px;
  color: var(--navy);
  font-size: clamp(42px, 6vw, 78px);
  line-height: 1.05;
  letter-spacing: 0;
}

h2 {
  color: var(--navy);
  font-size: clamp(28px, 4vw, 46px);
  line-height: 1.12;
  letter-spacing: 0;
  margin-bottom: 18px;
}

h3 {
  color: var(--navy);
  font-size: 20px;
  line-height: 1.25;
  margin-bottom: 10px;
}

.hero-lede {
  max-width: 600px;
  color: #31465a;
  font-size: 20px;
}

.hero-note {
  color: var(--navy);
  font-weight: 800;
  margin-bottom: 0;
}

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

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  border: 0;
  border-radius: 999px;
  padding: 0 20px;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}

.button.primary {
  color: var(--white);
  background: var(--navy);
}

.button.secondary {
  color: var(--navy);
  background: var(--white);
  border: 1px solid var(--line);
}

.tool-panel,
.contact-form,
.affordability {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(217, 226, 236, 0.95);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.tool-panel {
  padding: 24px;
}

.panel-heading h2 {
  font-size: 28px;
  margin-bottom: 14px;
}

.calculator,
.affordability,
.contact-form {
  display: grid;
  gap: 14px;
}

label {
  display: grid;
  gap: 7px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px 13px;
  color: var(--ink);
  background: var(--white);
  font: inherit;
  outline: none;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(23, 50, 77, 0.12);
}

.result-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 4px;
}

.result-grid div,
.big-result {
  border-radius: 8px;
  padding: 16px;
  background: var(--soft-blue);
}

.result-grid span,
.big-result span {
  display: block;
  color: var(--muted);
  font-size: 12px;
  font-weight: 800;
}

.result-grid strong,
.big-result strong {
  display: block;
  color: var(--navy);
  font-size: 26px;
  line-height: 1.1;
  margin-top: 6px;
}

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

.band,
.section,
.contact {
  padding: 80px 0;
}

.container {
  width: min(1160px, calc(100% - 44px));
  margin: 0 auto;
}

.intro-band {
  background: var(--white);
  border-block: 1px solid var(--line);
}

.intro-grid {
  display: grid;
  grid-template-columns: 0.82fr 1.18fr;
  gap: 48px;
  align-items: start;
}

.intro-grid p:last-child {
  color: #31465a;
  font-size: 20px;
  margin: 0;
}

.section-head {
  max-width: 720px;
  margin-bottom: 28px;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.service-card,
.steps article,
.faq-list details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.service-card {
  padding: 24px;
}

.service-card p,
.steps p,
.faq-list p,
.case-card p {
  color: var(--muted);
  margin-bottom: 0;
}

.case-section {
  background: var(--white);
}

.case-grid,
.quote-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.case-card,
.quote-grid figure {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.case-card {
  padding: 24px;
}

.case-card span {
  display: inline-block;
  color: var(--accent);
  font-size: 12px;
  font-weight: 900;
  margin-bottom: 16px;
}

.testimonials {
  background: #eef5f8;
}

.quote-grid figure {
  margin: 0;
  padding: 24px;
  background: var(--white);
}

.quote-grid blockquote {
  margin: 0;
  color: #31465a;
  font-size: 17px;
  line-height: 1.65;
}

.quote-grid figcaption {
  color: var(--muted);
  font-size: 13px;
  margin-top: 18px;
}

.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--white);
  border-block: 1px solid var(--line);
}

.about-section {
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: center;
}

.about-photo-wrap {
  overflow: hidden;
  border-radius: 8px;
  background: var(--navy);
  box-shadow: var(--shadow);
}

.about-photo {
  width: 100%;
  height: 100%;
  min-height: 560px;
  object-fit: cover;
  object-position: center top;
}

.large-copy {
  color: #31465a;
  font-size: 19px;
}

.split-media {
  min-height: 520px;
}

.split-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.split-copy {
  align-self: center;
  padding: 72px min(8vw, 90px);
}

.visual-section {
  background: var(--paper);
}

.visual-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.visual-grid figure {
  margin: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.visual-grid img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.visual-grid figcaption {
  padding: 14px 16px 16px;
  color: var(--navy);
  font-weight: 800;
}

.check-list {
  list-style: none;
  display: grid;
  gap: 14px;
  padding: 0;
  margin: 26px 0 0;
}

.check-list li {
  position: relative;
  padding-left: 30px;
  color: #31465a;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--soft-green);
  border: 4px solid var(--navy);
}

.process {
  background: #eef5f8;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.steps article {
  padding: 22px;
}

.steps span {
  display: inline-block;
  color: var(--accent);
  font-size: 13px;
  font-weight: 900;
  margin-bottom: 18px;
}

.estimate-section {
  background: var(--white);
}

.estimate-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 52px;
  align-items: center;
}

.estimate-grid > div > p:last-child {
  color: var(--muted);
  font-size: 18px;
}

.affordability {
  padding: 24px;
}

.big-result {
  background: var(--soft-green);
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-list details {
  padding: 20px 22px;
}

.faq-list summary {
  color: var(--navy);
  font-weight: 800;
  cursor: pointer;
}

.faq-list p {
  padding-top: 14px;
}

.contact {
  color: var(--white);
  background: var(--navy);
}

.contact h2,
.contact .eyebrow {
  color: var(--white);
}

.contact p {
  color: #d9ecf7;
}

.contact-methods {
  display: grid;
  gap: 10px;
  margin-top: 28px;
}

.contact-methods p {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  margin: 0;
  padding: 12px 0;
  border-bottom: 1px solid rgba(217, 236, 247, 0.22);
}

.contact-methods strong {
  color: var(--white);
}

.contact-methods span {
  color: #d9ecf7;
  text-align: right;
}

.contact-inner {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 52px;
  align-items: start;
}

.contact-form {
  padding: 24px;
  color: var(--ink);
}

.contact-form .fine-print {
  color: var(--muted);
}

.hidden-field {
  position: absolute;
  left: -10000px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.footer {
  padding: 28px 34px;
  color: var(--muted);
  background: var(--white);
  border-top: 1px solid var(--line);
}

.footer p {
  margin: 0;
}

.footer p + p {
  margin-top: 6px;
  font-size: 12px;
}

.thank-you-page {
  min-height: 100vh;
  display: grid;
  place-items: center;
  padding: 32px;
  background: var(--navy);
}

.thank-you-card {
  width: min(720px, 100%);
  padding: 44px;
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.thank-you-card h1 {
  font-size: clamp(34px, 5vw, 58px);
}

.thank-you-card p:not(.eyebrow) {
  color: var(--muted);
  font-size: 18px;
}

@media (max-width: 900px) {
  .topbar {
    align-items: flex-start;
    padding: 12px 18px;
  }

  .nav {
    display: none;
  }

  .lang-switch {
    margin-left: auto;
  }

  .hero-inner,
  .intro-grid,
  .about-grid,
  .estimate-grid,
  .contact-inner,
  .split-section {
    grid-template-columns: 1fr;
  }

  .advisor-shade {
    background:
      linear-gradient(0deg, rgba(247, 250, 252, 0.98) 0%, rgba(247, 250, 252, 0.84) 55%, rgba(247, 250, 252, 0.24) 100%),
      linear-gradient(0deg, rgba(23, 50, 77, 0.06), rgba(23, 50, 77, 0.06));
  }

  .advisor-inner .hero-copy,
  .advisor-inner .tool-panel {
    grid-column: auto;
    grid-row: auto;
  }

  .advisor-photo {
    object-position: 34% top;
  }

  .hero-inner {
    min-height: auto;
    padding: 44px 0;
  }

  .hero-copy {
    padding-top: 18px;
  }

  .hero-lede {
    font-size: 18px;
  }

  .tool-panel {
    padding: 18px;
  }

  .service-grid,
  .steps,
  .case-grid,
  .quote-grid,
  .visual-grid {
    grid-template-columns: 1fr;
  }

  .split-media {
    min-height: 360px;
  }

  .split-copy,
  .band,
  .section,
  .contact {
    padding: 52px 0;
  }

  .split-copy {
    width: min(100% - 44px, 1160px);
    margin: 0 auto;
  }
}

@media (max-width: 520px) {
  .result-grid {
    grid-template-columns: 1fr;
  }

  .container,
  .hero-inner {
    width: min(100% - 28px, 1160px);
  }

  .brand {
    min-width: auto;
  }

  .brand strong {
    font-size: 14px;
  }
}

/* Brand-site refresh inspired by a modern mortgage advisor personal site */
.brand-site {
  background: #fbfaf7;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 34px;
  background: rgba(251, 250, 247, 0.92);
  border-bottom: 1px solid rgba(217, 226, 236, 0.8);
  backdrop-filter: blur(18px);
}

.header-actions {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.new-hero {
  width: min(1200px, calc(100% - 44px));
  min-height: calc(100vh - 74px);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.02fr 0.98fr;
  gap: 48px;
  align-items: center;
  padding: 54px 0 70px;
}

.new-hero-copy h1 {
  color: var(--navy);
  font-size: clamp(46px, 6.5vw, 84px);
  line-height: 0.98;
  max-width: 760px;
  margin-bottom: 22px;
}

.new-hero-copy .hero-lede {
  max-width: 650px;
  color: #31465a;
  font-size: 20px;
}

.new-hero-media {
  position: relative;
  min-height: 640px;
  border-radius: 8px;
  overflow: hidden;
  background: #d8d8d8;
  box-shadow: var(--shadow);
}

.new-hero-media img {
  width: 100%;
  height: 100%;
  min-height: 640px;
  object-fit: cover;
  object-position: 42% center;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 28px;
}

.trust-row span {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 12px;
  color: var(--navy);
  background: var(--white);
  font-size: 13px;
  font-weight: 800;
}

.client-paths {
  padding: 84px 0;
  color: var(--white);
  background: var(--navy);
}

.client-paths h2 {
  color: var(--white);
  max-width: 780px;
}

.section-kicker {
  color: #d9ecf7;
  font-weight: 900;
  text-transform: uppercase;
  font-size: 12px;
  margin-bottom: 10px;
}

.path-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 18px;
  margin-top: 28px;
}

.path-grid article {
  min-height: 310px;
  display: flex;
  flex-direction: column;
  padding: 28px;
  border: 1px solid rgba(217, 236, 247, 0.24);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.07);
}

.path-grid span {
  color: #d9ecf7;
  font-weight: 900;
  margin-bottom: 18px;
}

.path-grid h3 {
  color: var(--white);
  font-size: 24px;
}

.path-grid p {
  color: #d9ecf7;
}

.path-grid a {
  margin-top: auto;
  color: var(--white);
  font-weight: 900;
  text-decoration: underline;
  text-underline-offset: 5px;
}

.story-band {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  background: var(--white);
}

.business-feature {
  padding: 84px 0;
  background: #eef5f8;
  border-bottom: 1px solid var(--line);
}

.business-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 52px;
  align-items: center;
}

.business-grid p:not(.eyebrow) {
  color: #31465a;
  font-size: 18px;
}

.business-points {
  display: grid;
  gap: 14px;
}

.business-points article {
  display: grid;
  grid-template-columns: 54px 1fr;
  gap: 18px;
  align-items: start;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 10px 26px rgba(23, 50, 77, 0.06);
}

.business-points strong {
  color: var(--accent);
  font-size: 15px;
}

.business-points span {
  color: var(--navy);
  font-weight: 800;
}

.declined-feature {
  padding: 84px 0;
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.equity-feature {
  background: #fbfaf7;
}

.declined-feature .section-head p:not(.eyebrow) {
  color: #31465a;
  font-size: 18px;
}

.scenario-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 28px;
}

.scenario-grid article {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfaf7;
  box-shadow: 0 10px 26px rgba(23, 50, 77, 0.06);
}

.scenario-grid h3 {
  margin-bottom: 12px;
}

.scenario-grid p {
  color: var(--muted);
  margin-bottom: 0;
}

.story-photo {
  min-height: 640px;
  background: #d6d6d6;
}

.story-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.story-copy {
  align-self: center;
  padding: 84px min(8vw, 96px);
}

.story-copy p:not(.eyebrow) {
  color: #31465a;
  font-size: 19px;
}

.clean-list {
  list-style: none;
  display: grid;
  gap: 12px;
  padding: 0;
  margin: 26px 0 0;
}

.clean-list li {
  padding: 14px 0;
  color: var(--navy);
  font-weight: 800;
  border-bottom: 1px solid var(--line);
}

.calculator-section,
.resources {
  background: #fbfaf7;
}

.calc-layout {
  display: grid;
  grid-template-columns: 0.82fr 1.18fr;
  gap: 52px;
  align-items: center;
}

.calc-layout > div > p:last-child {
  color: var(--muted);
  font-size: 18px;
}

.center {
  text-align: center;
  margin-inline: auto;
}

.resource-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.resource-grid article {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 10px 26px rgba(23, 50, 77, 0.07);
}

.resource-grid img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

.resource-grid div {
  padding: 22px;
}

.resource-grid p {
  color: var(--muted);
  margin-bottom: 0;
}

.testimonials-section {
  background: #eef5f8;
}

.testimonials-section .section-head {
  margin-bottom: 32px;
}

.quote-grid article {
  min-height: 230px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 10px 26px rgba(23, 50, 77, 0.06);
}

.quote-grid article p {
  color: #31465a;
  font-size: 17px;
  line-height: 1.65;
}

.quote-grid article span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

.faq-section {
  background: var(--white);
}

.faq-layout {
  display: grid;
  grid-template-columns: 0.55fr 1.45fr;
  gap: 48px;
}

.contact-panel {
  padding: 84px 0;
  background: var(--navy);
}

.contact-card {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 52px;
  align-items: start;
  color: var(--white);
}

.contact-card h2,
.contact-card .eyebrow {
  color: var(--white);
}

.contact-card p {
  color: #d9ecf7;
}

.contact-card .contact-form p {
  color: var(--muted);
}

@media (max-width: 980px) {
  .site-header {
    padding: 12px 18px;
  }

  .site-header .nav {
    display: none;
  }

  .new-hero,
  .path-grid,
  .story-band,
  .business-grid,
  .scenario-grid,
  .calc-layout,
  .resource-grid,
  .quote-grid,
  .faq-layout,
  .contact-card {
    grid-template-columns: 1fr;
  }

  .new-hero {
    min-height: auto;
    gap: 28px;
    padding: 40px 0 54px;
  }

  .new-hero-media,
  .new-hero-media img,
  .story-photo {
    min-height: 460px;
  }

  .story-copy {
    padding: 54px 22px;
  }
}

@media (max-width: 560px) {
  .site-header {
    align-items: flex-start;
  }

  .header-actions .nav-cta {
    display: none;
  }

  .new-hero {
    width: min(100% - 28px, 1200px);
  }

  .new-hero-copy h1 {
    font-size: 44px;
  }

  .new-hero-media,
  .new-hero-media img,
  .story-photo {
    min-height: 380px;
  }
}