/* My Loan Refinance - myloanrefinance.com */

:root {
  --colour-bg: #f8f9fa;
  --colour-bg-alt: #fff;
  --colour-text: #1a1a1a;
  --colour-text-muted: #5a5a5a;
  --colour-accent: #0d5c47;
  --colour-accent-hover: #094733;
  --colour-border: #e5e7eb;
  --colour-card: #fff;
  --font-sans: 'DM Sans', system-ui, sans-serif;
  --font-display: 'Fraunces', Georgia, serif;
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2rem;
  --space-xl: 3rem;
  --space-2xl: 4rem;
  --space-3xl: 5rem;
  --section-gap: 5rem;
  --radius: 8px;
  --radius-lg: 12px;
  --shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
  --shadow-hover: 0 4px 16px rgba(0, 0, 0, 0.08);
  --container: min(100% - 2rem, 960px);
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--colour-text);
  background: var(--colour-bg);
}

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--space-md);
}

.container--wide {
  max-width: min(100% - 2rem, 1100px);
}

/* Header */
.header {
  background: var(--colour-bg-alt);
  border-bottom: 1px solid var(--colour-border);
  position: sticky;
  top: 0;
  z-index: 10;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: var(--space-sm) var(--space-md);
}

.logo {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--colour-text);
  text-decoration: none;
}

.nav {
  display: flex;
  gap: var(--space-lg);
}

.nav a {
  color: var(--colour-text-muted);
  text-decoration: none;
  font-weight: 500;
  transition: color 0.2s;
}

.nav a:hover {
  color: var(--colour-accent);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: var(--space-xs);
  background: none;
  border: none;
  cursor: pointer;
  font: inherit;
}

.nav-toggle span {
  width: 22px;
  height: 2px;
  background: var(--colour-text);
}

/* Hero */
.hero {
  position: relative;
  color: #fff;
  padding: var(--section-gap) 0;
  min-height: 380px;
  text-align: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(180deg, rgba(13, 92, 71, 0.88) 0%, rgba(10, 74, 58, 0.92) 100%);
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 640px;
  margin-inline: auto;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
  margin: 0 0 var(--space-md);
  line-height: 1.2;
}

.hero-lead {
  margin: 0 0 var(--space-lg);
  font-size: 1.1rem;
  opacity: 0.95;
}

.btn {
  display: inline-block;
  padding: var(--space-sm) var(--space-lg);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  border-radius: var(--radius);
  transition: background 0.2s, transform 0.15s;
  cursor: pointer;
  border: none;
}

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

.btn-primary:hover {
  background: #f0f0f0;
  transform: translateY(-1px);
}

/* Sections */
.section {
  padding: var(--section-gap) 0;
  background: var(--colour-bg);
}

.section--alt {
  background: var(--colour-bg-alt);
}

.section h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 1.875rem);
  font-weight: 700;
  margin: 0 0 var(--space-md);
  color: var(--colour-text);
}

.section-intro {
  margin: 0 0 var(--space-xl);
  color: var(--colour-text-muted);
  max-width: 56ch;
}

/* Section images */
.section-image {
  margin: 0 0 var(--space-xl);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--colour-border);
}

.section-image img {
  width: 100%;
  height: auto;
  display: block;
  vertical-align: middle;
}

.section-image--help {
  max-width: 720px;
  margin-inline: auto var(--space-xl);
}

.section-image--help img {
  aspect-ratio: 3 / 2;
}

/* Help grid */
.help-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-lg);
}

.help-card {
  background: var(--colour-card);
  padding: var(--space-lg);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  transition: box-shadow 0.2s;
}

.help-card:hover {
  box-shadow: var(--shadow-hover);
}

.help-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  background: var(--colour-accent);
  color: #fff;
  font-weight: 700;
  font-size: 0.9rem;
  border-radius: 50%;
  margin-bottom: var(--space-sm);
}

.help-card h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin: 0 0 var(--space-xs);
  color: var(--colour-text);
}

.help-card p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--colour-text-muted);
}

/* Benefits */
.benefits-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  align-items: start;
}

.benefits-content .disclaimer {
  margin-top: var(--space-lg);
}

.benefits-image {
  margin: 0;
  position: sticky;
  top: 6rem;
}

.benefits-image img {
  aspect-ratio: 1;
  object-fit: cover;
}

.contact-image img {
  aspect-ratio: 5 / 4;
  object-fit: cover;
}

.benefits-list {
  margin: 0 0 var(--space-lg);
  padding-left: 1.25rem;
  max-width: 56ch;
}

.benefits-list li {
  margin-bottom: var(--space-sm);
  color: var(--colour-text-muted);
}

.benefits-list strong {
  color: var(--colour-text);
}

.disclaimer {
  font-size: 0.875rem;
  color: var(--colour-text-muted);
  max-width: 56ch;
  margin: 0;
  padding: var(--space-md);
  background: var(--colour-bg);
  border-radius: var(--radius);
  border-left: 4px solid var(--colour-accent);
}

/* Contact */
.section--contact {
  background: linear-gradient(180deg, var(--colour-bg-alt) 0%, #f0f4f3 100%);
}

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  align-items: start;
}

.contact-layout .contact-box {
  grid-column: 1;
}

.contact-image {
  margin: 0;
  grid-row: 1 / 3;
  grid-column: 2;
  align-self: center;
}

.contact-intro .section-intro {
  margin-bottom: var(--space-md);
}

.contact-box {
  background: var(--colour-card);
  padding: var(--space-xl);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  max-width: 420px;
}

.contact-box p {
  margin: 0 0 var(--space-xs);
  color: var(--colour-text-muted);
}

.contact-box .contact-email {
  display: inline-block;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--colour-accent);
  text-decoration: none;
  margin: var(--space-xs) 0 var(--space-md);
  word-break: break-all;
}

.contact-email:hover {
  text-decoration: underline;
}

.contact-note {
  font-size: 0.9rem;
  margin-top: var(--space-sm) !important;
}

/* Footer */
.footer {
  background: var(--colour-text);
  color: #9ca3af;
  padding: var(--space-3xl) 0;
  font-size: 0.9rem;
  margin-top: var(--section-gap);
}

.footer-inner {
  text-align: center;
}

.footer-brand {
  font-family: var(--font-display);
  font-weight: 700;
  color: #fff;
  margin: 0 0 var(--space-xs);
}

.footer-contact {
  margin: 0 0 var(--space-md);
}

.footer-contact a {
  color: #a7f3d0;
  text-decoration: none;
}

.footer-contact a:hover {
  text-decoration: underline;
}

.footer-legal {
  margin: 0;
  max-width: 52ch;
  margin-inline: auto;
  font-size: 0.8rem;
  opacity: 0.85;
}

/* Mobile */
@media (max-width: 640px) {
  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--colour-bg-alt);
    flex-direction: column;
    padding: var(--space-md);
    border-bottom: 1px solid var(--colour-border);
  }

  .nav.is-open {
    display: flex;
  }

  .nav-toggle {
    display: flex;
  }

  .hero {
    padding: var(--space-2xl) 0;
    min-height: 320px;
  }

  .section-image--help {
    margin-inline: 0;
  }

  .benefits-layout {
    grid-template-columns: 1fr;
  }

  .benefits-image {
    order: -1;
    position: static;
  }

  .contact-layout {
    grid-template-columns: 1fr;
  }

  .contact-image {
    grid-row: auto;
    grid-column: auto;
    order: -1;
  }

  .contact-layout .contact-box {
    grid-column: auto;
  }

  .section,
  .section--alt {
    padding: var(--space-2xl) 0;
  }
}