/* ==========================================================================
   Marietta Home Loans — marketing site design system

   Ink on warm off-white for reading. Deep navy bands for the hero and footer.
   One gold accent, used for CTAs and highlights only — never for volume.
   No gradients, no stock-photo collage. Fraunces for headlines, system sans
   for everything you read in a paragraph.
   ========================================================================== */

:root {
  --ink: #1c2733;
  --paper: #faf8f4;
  --paper-line: #e6e1d6;
  --navy: #12314e;
  --navy-line: rgba(250, 248, 244, 0.14);
  --gold: #c0913c;
  --gold-dark: #a87a2e;
  --slate: #5b6b7a;

  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: -apple-system, "Segoe UI", Inter, system-ui, Helvetica, Arial, sans-serif;

  --gutter: clamp(1.25rem, 4vw, 3rem);
  --max: 1100px;
  --radius: 6px;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

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

body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a {
  color: inherit;
}

:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 2px;
}

h1,
h2,
h3 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.01em;
  margin: 0 0 0.6rem;
}

p {
  margin: 0 0 1rem;
}

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}

/* --------------------------------------------------------------------------
   Buttons / links
   -------------------------------------------------------------------------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.5rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 140ms var(--ease), background-color 140ms var(--ease),
    border-color 140ms var(--ease), color 140ms var(--ease);
}

.btn-gold {
  background: var(--gold);
  color: #1c1305;
}

.btn-gold:hover {
  background: var(--gold-dark);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  border-color: var(--navy-line);
  color: var(--paper);
}

.btn-outline:hover {
  background: rgba(250, 248, 244, 0.08);
  border-color: rgba(250, 248, 244, 0.4);
}

.btn-outline-dark {
  background: transparent;
  border-color: var(--paper-line);
  color: var(--ink);
}

.btn-outline-dark:hover {
  background: rgba(28, 39, 51, 0.06);
  border-color: var(--ink);
}

.link-quiet {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 3px;
}

/* --------------------------------------------------------------------------
   Top bar
   -------------------------------------------------------------------------- */

.topbar {
  background: var(--paper);
  color: var(--ink);
  border-bottom: 1px solid var(--paper-line);
}

.topbar-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0.85rem var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  color: var(--ink);
}

.brand img {
  height: 44px;
  width: auto;
}

.brand-name {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: -0.01em;
  line-height: 1.15;
  color: var(--navy);
}

.brand-name small {
  display: block;
  font-family: var(--sans);
  font-weight: 400;
  font-size: 0.66rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold-dark);
}

.topnav {
  display: flex;
  align-items: center;
  gap: 2rem;
  font-size: 1.05rem;
  flex-wrap: wrap;
}

.topnav .nav-links {
  display: flex;
  align-items: center;
  gap: 1.9rem;
}

.topnav a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: transparent;
  text-underline-offset: 6px;
  text-decoration-thickness: 2px;
  transition: text-decoration-color 0.15s ease, color 0.15s ease;
}

.topnav a:hover {
  color: var(--gold-dark);
  text-decoration-color: var(--gold-dark);
}

.topnav .call {
  font-weight: 700;
  color: var(--gold-dark);
  white-space: nowrap;
}

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */

.hero {
  background: var(--navy);
  color: var(--paper);
  padding: clamp(3rem, 8vw, 5.5rem) 0 clamp(3rem, 7vw, 4.5rem);
}

.hero-inner {
  max-width: 720px;
}

.eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 1rem;
}

.hero h1 {
  font-size: clamp(2.3rem, 5.4vw, 3.6rem);
  color: var(--paper);
  max-width: 16ch;
}

.hero .sub {
  font-size: 1.05rem;
  color: rgba(250, 248, 244, 0.78);
  margin: 1rem 0 1.9rem;
  max-width: 46ch;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
}

.hero-ctas .tel {
  color: var(--paper);
  text-decoration: none;
  font-weight: 600;
}

/* --------------------------------------------------------------------------
   Sections
   -------------------------------------------------------------------------- */

section {
  padding: clamp(2.6rem, 6vw, 4.5rem) 0;
}

.section-alt {
  background: #f2ede1;
}

.section-head {
  max-width: 62ch;
  margin: 0 0 2rem;
}

.section-head h2 {
  font-size: clamp(1.7rem, 3.6vw, 2.3rem);
  color: var(--ink);
}

.lede {
  font-size: 1.05rem;
  color: var(--slate);
}

/* Trust bar */
.trust-bar {
  background: #f2ede1;
  border-top: 1px solid var(--paper-line);
  border-bottom: 1px solid var(--paper-line);
  padding: 1.6rem 0;
}

.trust-bar .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem 2rem;
}

.trust-line {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--navy);
}

.trust-meta {
  font-size: 0.82rem;
  color: var(--slate);
  line-height: 1.7;
}

/* Quote block */
.quote-block {
  text-align: center;
}

.quote-block blockquote {
  font-family: var(--serif);
  font-size: clamp(1.5rem, 3.2vw, 2.1rem);
  font-weight: 600;
  color: var(--navy);
  max-width: 46ch;
  margin: 0 auto 1.1rem;
  line-height: 1.25;
}

.quote-block p {
  max-width: 60ch;
  margin: 0 auto;
  color: var(--slate);
}

/* Team */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.8rem;
}

.team-card {
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius);
  padding: 1.4rem;
  text-align: left;
}

.team-photo {
  width: 84px;
  height: 84px;
  border-radius: 50%;
  object-fit: cover;
  margin-bottom: 1rem;
  background: var(--paper-line);
}

.team-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.15rem;
}

.team-title {
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.86rem;
  margin: 0 0 0.6rem;
}

.team-meta {
  font-size: 0.86rem;
  color: var(--slate);
  line-height: 1.65;
}

.team-meta a {
  color: var(--navy);
  text-decoration: none;
}

.team-meta a:hover {
  text-decoration: underline;
}

/* Services */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
}

.services-grid h3 {
  font-size: 1.15rem;
  color: var(--navy);
}

.services-grid ul {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--slate);
}

.services-grid li {
  margin-bottom: 0.4rem;
}

.services-ctas {
  margin-top: 2.2rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}

/* Testimonials */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.6rem;
}

.testimonial {
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 1.5rem;
}

.testimonial p {
  color: var(--ink);
  font-size: 0.96rem;
  margin-bottom: 0.9rem;
}

.testimonial cite {
  font-style: normal;
  font-weight: 700;
  font-size: 0.86rem;
  color: var(--navy);
}

/* FAQ */
.faq-list {
  max-width: 74ch;
}

.faq-item {
  border-bottom: 1px solid var(--paper-line);
  padding: 1.2rem 0;
}

.faq-item summary {
  cursor: pointer;
  font-family: var(--serif);
  font-weight: 600;
  font-size: 1.08rem;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  font-family: var(--sans);
  font-weight: 400;
  color: var(--gold-dark);
  font-size: 1.4rem;
  flex: none;
}

.faq-item[open] summary::after {
  content: "\2212";
}

.faq-item p {
  margin: 0.8rem 0 0;
  color: var(--slate);
  max-width: 68ch;
}

/* Contact */
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr);
  gap: clamp(2rem, 5vw, 3.5rem);
  align-items: start;
}

.contact-info h3 {
  font-size: 1.2rem;
  color: var(--navy);
}

.contact-info .big {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--ink);
  margin: 0.3rem 0 1.4rem;
}

.contact-info .big a {
  text-decoration: none;
  color: inherit;
}

.contact-form {
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.2rem);
}

.form-row {
  display: grid;
  gap: 0.35rem;
  margin-bottom: 1.1rem;
}

.form-row label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--slate);
}

.form-row input,
.form-row textarea {
  font: inherit;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--paper-line);
  border-radius: var(--radius);
  background: #fff;
  color: var(--ink);
}

.form-row input:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(192, 145, 60, 0.16);
}

.form-note {
  font-size: 0.8rem;
  color: var(--slate);
  margin-top: 0.6rem;
}

/* --------------------------------------------------------------------------
   Authority page (Erik Waterman) — reuses the tokens above
   -------------------------------------------------------------------------- */

.about-erik-grid {
  display: grid;
  grid-template-columns: minmax(0, 200px) minmax(0, 1fr);
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: start;
}

.about-erik-photo {
  width: 100%;
  max-width: 200px;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius);
  object-fit: cover;
  background: var(--paper-line);
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.6rem;
}

.value-card {
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 1.3rem 1.4rem;
}

.value-card h3 {
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.35rem;
}

.value-card p {
  margin: 0;
  color: var(--slate);
  font-size: 0.96rem;
}

@media (max-width: 640px) {
  .about-erik-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .about-erik-photo {
    max-width: 160px;
  }
}

/* --------------------------------------------------------------------------
   Content pages — breadcrumb, hub link cards, prose, calculator
   (pillar, loan programs, East Cobb, guide, calculator). Reuses the tokens above.
   -------------------------------------------------------------------------- */

.breadcrumb {
  font-size: 0.82rem;
  color: var(--slate);
  margin: 0;
}

.breadcrumb a {
  color: var(--navy);
  text-decoration: none;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

.hub-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.4rem;
}

.hub-card {
  display: block;
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 1.3rem 1.4rem;
  text-decoration: none;
  color: inherit;
  transition: transform 140ms var(--ease), border-color 140ms var(--ease);
}

.hub-card:hover {
  transform: translateY(-2px);
  border-left-color: var(--gold-dark);
}

.hub-card h3 {
  color: var(--navy);
  font-size: 1.1rem;
  margin-bottom: 0.3rem;
}

.hub-card p {
  margin: 0;
  color: var(--slate);
  font-size: 0.95rem;
}

/* Long-form prose (loan pages + guide) */
.prose {
  max-width: 72ch;
}

.prose h2 {
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  color: var(--ink);
  margin-top: 2.2rem;
}

.prose h3 {
  font-size: 1.2rem;
  color: var(--navy);
  margin-top: 1.5rem;
}

.prose ul,
.prose ol {
  color: var(--slate);
  margin: 0 0 1rem 1.25rem;
  padding: 0;
}

.prose li {
  margin-bottom: 0.4rem;
}

.prose strong {
  color: var(--ink);
}

/* Calculator */
.calc-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: start;
}

.calc-form {
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.2rem);
}

.calc-result {
  background: var(--navy);
  color: var(--paper);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.2rem);
}

.calc-result h3 {
  color: var(--paper);
  font-size: 1.15rem;
}

.calc-figure {
  font-family: var(--serif);
  font-size: clamp(2rem, 5vw, 2.8rem);
  font-weight: 700;
  color: var(--gold);
  margin: 0.3rem 0 1.1rem;
}

.calc-breakdown {
  list-style: none;
  margin: 0;
  padding: 0;
}

.calc-breakdown li {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--navy-line);
  font-size: 0.95rem;
}

.calc-note {
  font-size: 0.8rem;
  color: var(--slate);
  margin-top: 1rem;
}

@media (max-width: 820px) {
  .calc-wrap {
    grid-template-columns: minmax(0, 1fr);
  }
}

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */

.site-footer {
  background: var(--navy);
  color: rgba(250, 248, 244, 0.72);
  padding: 2.6rem 0;
  font-size: 0.85rem;
  line-height: 1.75;
}

.site-footer strong {
  color: var(--paper);
}

.site-footer .licenses {
  font-size: 0.72rem;
  color: rgba(250, 248, 244, 0.45);
  margin-top: 0.6rem;
  line-height: 1.9;
}

.site-footer a {
  color: rgba(250, 248, 244, 0.82);
}

/* --------------------------------------------------------------------------
   Simple static pages (thank you / blog)
   -------------------------------------------------------------------------- */

.page-hero {
  background: var(--navy);
  color: var(--paper);
  padding: clamp(3.5rem, 9vw, 6rem) 0;
  text-align: center;
  background-size: cover;
  background-position: center;
}

.page-hero h1 {
  color: var(--paper);
  font-size: clamp(2rem, 5vw, 3rem);
}

.page-hero p {
  color: rgba(250, 248, 244, 0.8);
  max-width: 48ch;
  margin: 0.8rem auto 0;
}

.page-body {
  max-width: 62ch;
  margin: 0 auto;
  padding: clamp(2.5rem, 6vw, 4rem) var(--gutter);
  text-align: center;
}

/* --------------------------------------------------------------------------
   Blog
   -------------------------------------------------------------------------- */

.blog-meta {
  color: rgba(250, 248, 244, 0.75);
}

.blog-post {
  text-align: left;
}

.blog-post h2 {
  margin-top: 2rem;
  font-size: 1.35rem;
}

.blog-post h3 {
  margin-top: 1.5rem;
  font-size: 1.15rem;
}

.blog-post ul,
.blog-post ol {
  margin: 0 0 1rem 1.25rem;
  padding: 0;
}

.blog-post li {
  margin-bottom: 0.35rem;
}

.blog-post blockquote {
  margin: 0 0 1rem;
  padding-left: 1rem;
  border-left: 3px solid var(--gold);
  color: var(--slate);
}

.blog-post img {
  border-radius: var(--radius);
  margin: 1rem 0;
}

.blog-list {
  max-width: var(--max);
  margin: 0 auto;
  padding: clamp(2.5rem, 6vw, 4rem) var(--gutter);
  display: grid;
  gap: 1.25rem;
}

.blog-card {
  border: 1px solid var(--paper-line);
  border-radius: var(--radius);
  padding: 1.5rem;
}

.blog-card h2 {
  margin-bottom: 0.4rem;
  font-size: 1.3rem;
}

.blog-card h2 a {
  text-decoration: none;
}

.blog-card h2 a:hover {
  text-decoration: underline;
}

.blog-card .blog-date {
  color: var(--slate);
  font-size: 0.9rem;
  margin-bottom: 0.5rem;
}

/* --------------------------------------------------------------------------
   Videos
   -------------------------------------------------------------------------- */

.video-grid {
  max-width: var(--max);
  margin: 0 auto;
  padding: clamp(2.5rem, 6vw, 4rem) var(--gutter);
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
}

.video-card {
  border: 1px solid var(--paper-line);
  border-radius: var(--radius);
  overflow: hidden;
  padding-bottom: 1.25rem;
}

.video-card h2 {
  margin: 0.9rem 1rem 0.3rem;
  font-size: 1.05rem;
}

.video-card .video-date {
  margin: 0 1rem;
  color: var(--slate);
  font-size: 0.9rem;
}

.video-card p:not(.video-date) {
  margin: 0.3rem 1rem 0;
  font-size: 0.95rem;
}

.watch-latest {
  max-width: 720px;
  margin: 0 auto 1.5rem;
  border-radius: var(--radius);
  overflow: hidden;
}

.lite-embed {
  position: relative;
  width: 100%;
  aspect-ratio: 16 / 9;
  background: var(--navy);
}

.lite-embed-play {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: 0;
  padding: 0;
  margin: 0;
  cursor: pointer;
  background: none;
}

.lite-embed-play img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.lite-embed-icon {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 68px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(18, 49, 78, 0.82);
  color: var(--paper);
  font-size: 1.4rem;
  transition: background-color 140ms var(--ease), transform 140ms var(--ease);
}

.lite-embed-play:hover .lite-embed-icon {
  background: var(--gold);
  transform: translate(-50%, -50%) scale(1.08);
}

.lite-embed iframe {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: 0;
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */

@media (max-width: 820px) {
  .contact-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media (max-width: 640px) {
  .topnav {
    gap: 0.9rem;
  }

  .topnav .nav-links {
    display: none;
  }

  .hero-ctas .tel {
    font-size: 1.05rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}