/* Julene Stewart — Mortgage Broker, MS Lending, LLC
   White / cream / soft-white palette. No build step; plain CSS. */

:root{
  /* whites & creams — the whole base palette, no brown */
  --paper:#ffffff;        /* pure white   */
  --paper-warm:#faf8f3;   /* soft white   */
  --paper-deep:#f3efe6;   /* cream        */

  /* type — neutral charcoal/grey, deliberately no brown cast */
  --ink:#1e2023;
  --ink-soft:#54585e;
  --ink-faint:#8a8f96;
  --line:#e7e5df;
  --line-soft:#f2f0ea;

  /* single accent — soft sage. Swap these four lines to restyle the whole site.
     Alternatives, if Julene prefers:
       dusty rose  #c08f8b / #a06f6b / #f7edec / #d8b2ae   (closest to her pink wordmark)
       charcoal    #2f3237 / #1e2023 / #eef0f2 / #767c85   (monochrome, most formal)  */
  --accent:#7d9179;
  --accent-deep:#5f7360;
  --accent-wash:#eef2ec;
  --accent-soft:#a8bda3;

  --sage:#7d9179;
  --sage-wash:#eef2ec;

  --max:1140px;
  --radius:12px;
  --shadow-soft:0 1px 2px rgba(30,32,35,.04), 0 8px 28px -12px rgba(30,32,35,.14);
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.68;
  font-size:16px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:600;line-height:1.16;letter-spacing:-.005em;text-wrap:balance}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.kicker{
  font-size:.76rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase;
  color:var(--accent);margin-bottom:16px;
}
.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}

/* ---------- header ---------- */
header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.9);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line-soft);
}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:74px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;min-width:0}
.logo img{height:30px;width:auto;flex-shrink:0}
.logo-rule{width:1px;height:28px;background:var(--line);flex-shrink:0}
.logo-txt{display:flex;flex-direction:column;line-height:1.2;min-width:0}
.logo-txt b{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:1.06rem;white-space:nowrap}
.logo-txt small{font-size:.72rem;color:var(--ink-faint);letter-spacing:.04em;white-space:nowrap}
nav ul{display:flex;align-items:center;gap:30px;list-style:none}
nav a{text-decoration:none;font-size:.93rem;font-weight:500;color:var(--ink-soft);transition:color .15s}
nav a:hover{color:var(--ink)}
nav a.on{color:var(--ink);font-weight:600}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:9px;
  padding:13px 26px;border-radius:99px;text-decoration:none;
  font-weight:600;font-size:.94rem;border:1px solid transparent;
  white-space:nowrap;
  transition:background .16s,color .16s,border-color .16s,transform .16s;
}
.btn:hover{transform:translateY(-1px)}
.btn-accent{background:var(--accent);color:#fff;border-color:var(--accent)}
.btn-accent:hover{background:var(--accent-deep);border-color:var(--accent-deep)}
.btn-line{border-color:var(--line);color:var(--ink);background:var(--paper)}
.btn-line:hover{border-color:var(--ink-faint)}
.btn-ink{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-ink:hover{background:#0f1113}
.btn-row{display:flex;gap:13px;flex-wrap:wrap}

/* ---------- hero ----------
   The photo occupies the right 3/4 of the viewport and bleeds off the edge.
   The copy has no panel behind it — it sits straight on the image, and the
   gradient on .hero-media::after is the only thing keeping it readable. */
.hero{
  position:relative;
  display:flex;align-items:center;
  min-height:clamp(560px,78vh,800px);
  padding:72px 0;
  background:var(--paper);
  overflow:hidden;
}
.hero-media{
  position:absolute;top:0;right:0;bottom:0;
  width:75%;
  border-radius:26px 0 0 26px;
  overflow:hidden;
  background:var(--paper-deep);
}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center}
/* There is no panel behind the copy — this gradient IS the panel. It fades the
   left of the photo out to near-white so it melts into the page background and
   the text has something light to sit on. Strong through ~35% (where the copy
   ends), then gone by 64% so the photo is untouched where you actually see it.
   If a darker photo is ever swapped in, raise these stops, not the text colour. */
.hero-media::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(100deg,
    rgba(255,255,255,.97) 0%,
    rgba(255,255,255,.92) 20%,
    rgba(255,255,255,.80) 34%,
    rgba(255,255,255,.42) 50%,
    rgba(255,255,255,0)   64%);
}
.hero .wrap{position:relative;z-index:2;width:100%}
.hero-copy{
  max-width:560px;
  padding-right:24px;
}
.hero h1{font-size:clamp(2.15rem,4.4vw,3.1rem);margin-bottom:20px;letter-spacing:-.018em}
/* 3.1rem is deliberate: measured, it is the largest size at which the headline
   breaks as 'A mortgage should feel / like a conversation.' instead of leaving
   a stub third line. Re-measure if the headline copy changes. */
.hero .lead{font-size:1.05rem;color:var(--ink-soft);margin-bottom:30px;text-wrap:pretty}
.hero-cred{
  display:flex;align-items:center;gap:10px;flex-wrap:wrap;
  margin-top:28px;padding-top:20px;border-top:1px solid rgba(30,32,35,.10);
  font-size:.82rem;color:var(--ink-soft);   /* not --ink-faint: it sits on the photo now */
}
.hero-cred .dot{width:7px;height:7px;border-radius:99px;background:var(--accent);flex-shrink:0}
.hero-cred b{color:var(--ink-soft);font-weight:600}

/* one restrained entrance — nothing moves for anyone who'd rather it didn't */
@media (prefers-reduced-motion:no-preference){
  .hero-copy{animation:rise .7s cubic-bezier(.22,.61,.36,1) both}
  .hero-media{animation:fade 1s ease both}
}
@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
@keyframes fade{from{opacity:0}to{opacity:1}}

/* ---------- reviews (Google Business Profile) ---------- */
.reviews-summary{
  display:flex;align-items:center;justify-content:center;gap:10px;
  margin-top:18px;font-size:.92rem;font-weight:500;color:var(--ink-soft);
}
.stars{display:inline-flex;gap:2px}
.stars svg{width:16px;height:16px;fill:var(--line)}
.stars svg.on{fill:var(--accent)}
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review{
  border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);
  padding:28px 26px;display:flex;flex-direction:column;gap:14px;
}
.review .stars svg{width:15px;height:15px}
.review-text{color:var(--ink-soft);font-size:.95rem;flex:1}
.review-foot{
  display:flex;align-items:center;gap:12px;
  padding-top:16px;border-top:1px solid var(--line-soft);
}
.review-avatar{
  width:36px;height:36px;border-radius:99px;flex-shrink:0;
  background:var(--accent-wash);color:var(--accent-deep);
  display:flex;align-items:center;justify-content:center;
  font-size:.78rem;font-weight:600;
}
.review-foot b{display:block;font-size:.9rem;color:var(--ink)}
.review-foot span{font-size:.8rem;color:var(--ink-faint)}

/* ---------- trust strip ---------- */
.strip{background:var(--paper-warm);border-bottom:1px solid var(--line-soft)}
.strip .wrap{display:flex;justify-content:center;padding-top:34px;padding-bottom:34px}
.strip .motto-band{
  font-family:'Fraunces',Georgia,serif;
  font-size:clamp(1.3rem,2.7vw,1.85rem);
  font-weight:600;font-style:italic;letter-spacing:-.012em;
  color:var(--accent);text-align:center;
}

/* ---------- sections ---------- */
section{padding:82px 0}
.sec-head{max-width:620px;margin-bottom:46px}
.sec-head h2{font-size:clamp(1.65rem,3.3vw,2.35rem);margin-bottom:14px}
.sec-head p{color:var(--ink-soft)}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.warm{background:var(--paper-warm)}

/* ---------- cards ---------- */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.card{
  border:1px solid var(--line);border-radius:var(--radius);padding:30px 27px;
  background:var(--paper);transition:border-color .16s,transform .16s,box-shadow .16s;
}
.card:hover{border-color:var(--accent);transform:translateY(-2px);box-shadow:var(--shadow-soft)}
.card .ico{
  width:42px;height:42px;border-radius:11px;background:var(--accent-wash);
  display:flex;align-items:center;justify-content:center;color:var(--accent-deep);
  margin-bottom:17px;
}
.card h3{font-size:1.17rem;margin-bottom:9px}
.card p{color:var(--ink-soft);font-size:.94rem}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:s}
.step{counter-increment:s;position:relative;padding-top:8px}
.step::before{
  content:counter(s);
  font-family:'Fraunces',Georgia,serif;font-size:.85rem;font-weight:600;
  width:34px;height:34px;border-radius:99px;
  background:var(--accent);color:#fff;
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.step h3{font-size:1.08rem;margin-bottom:8px}
.step p{color:var(--ink-soft);font-size:.93rem}

/* ---------- about split ---------- */
.split{display:grid;grid-template-columns:.88fr 1.12fr;gap:56px;align-items:center}
.portrait{
  border-radius:18px;overflow:hidden;background:var(--paper-deep);
  aspect-ratio:4/5;box-shadow:var(--shadow-soft);
}
.portrait img{width:100%;height:100%;object-fit:cover}
.prose p{color:var(--ink-soft);margin-bottom:16px}
.prose p:last-child{margin-bottom:0}
.creds{list-style:none;display:flex;flex-wrap:wrap;gap:9px;margin-top:26px}
.creds li{
  font-size:.82rem;font-weight:500;color:var(--ink-soft);
  border:1px solid var(--line);border-radius:99px;padding:6px 14px;background:var(--paper);
}

/* ---------- blog ---------- */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post{
  display:flex;flex-direction:column;text-decoration:none;
  border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  background:var(--paper);transition:border-color .16s,transform .16s,box-shadow .16s;
}
.post:hover{border-color:var(--accent);transform:translateY(-2px);box-shadow:var(--shadow-soft)}
.post-img{aspect-ratio:16/10;background:var(--paper-deep);overflow:hidden}
.post-img img{width:100%;height:100%;object-fit:cover}
.post-body{padding:22px 22px 26px;display:flex;flex-direction:column;gap:9px;flex:1}
.post-meta{font-size:.76rem;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-faint);font-weight:600}
.post h3{font-size:1.1rem;line-height:1.3}
.post p{color:var(--ink-soft);font-size:.92rem;flex:1}
.post .more{font-size:.88rem;font-weight:600;color:var(--accent-deep)}

/* ---------- article ---------- */
.article{max-width:720px;margin:0 auto}
.article .post-meta{margin-bottom:14px}
.article h1{font-size:clamp(2rem,4.2vw,2.9rem);margin-bottom:18px}
.article .standfirst{font-size:1.1rem;color:var(--ink-soft);margin-bottom:34px}
.article-hero{border-radius:16px;overflow:hidden;background:var(--paper-deep);aspect-ratio:16/9;margin-bottom:40px;box-shadow:var(--shadow-soft)}
.article-hero img{width:100%;height:100%;object-fit:cover}
.article h2{font-size:1.45rem;margin:38px 0 13px}
.article h3{font-size:1.14rem;margin:28px 0 9px}
.article p{color:var(--ink-soft);margin-bottom:17px}
.article ul,.article ol{color:var(--ink-soft);margin:0 0 18px 22px}
.article li{margin-bottom:8px}
.article strong{color:var(--ink);font-weight:600}
.callout{
  border-left:3px solid var(--accent);background:var(--accent-wash);
  border-radius:0 10px 10px 0;padding:20px 24px;margin:28px 0;
}
.callout p{margin:0;color:var(--ink-soft);font-size:.95rem}

/* ---------- contact form ---------- */
.form-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
.field{margin-bottom:18px}
.field label{display:block;font-size:.82rem;font-weight:600;letter-spacing:.03em;margin-bottom:7px}
.field input,.field select,.field textarea{
  width:100%;font-family:inherit;font-size:.95rem;color:var(--ink);
  background:var(--paper);border:1px solid var(--line);border-radius:10px;
  padding:12px 14px;transition:border-color .15s,box-shadow .15s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-wash);
}
.field textarea{min-height:130px;resize:vertical}
.field .hint{font-size:.78rem;color:var(--ink-faint);margin-top:6px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-note{
  border:1px solid var(--line);border-radius:10px;background:var(--paper-warm);
  padding:15px 17px;margin-bottom:22px;
}
.form-note p{font-size:.84rem;color:var(--ink-soft);margin:0}
.form-status{margin-top:16px;font-size:.9rem;font-weight:500;display:none}
.form-status.show{display:block}
.form-status.ok{color:var(--sage)}
.form-status.err{color:var(--accent-deep)}

/* consent checkbox + bot trap */
.consent label{
  display:flex;gap:11px;align-items:flex-start;cursor:pointer;
  font-size:.83rem;font-weight:400;color:var(--ink-soft);line-height:1.55;
}
.consent input[type=checkbox]{
  width:17px;height:17px;flex-shrink:0;margin-top:3px;accent-color:var(--accent);
}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
#submit-btn{cursor:pointer;font-family:inherit}
#submit-btn:disabled{opacity:.6;cursor:default;transform:none}

.contact-card{
  border:1px solid var(--line);border-radius:var(--radius);
  background:var(--paper-warm);padding:32px 30px;
}
.contact-card h3{font-size:1.2rem;margin-bottom:6px}
.contact-card .role{font-size:.86rem;color:var(--ink-faint);margin-bottom:22px}
.c-list{list-style:none;display:flex;flex-direction:column;gap:17px}
.c-list li{display:flex;gap:13px;align-items:flex-start}
.c-list .ico{
  width:38px;height:38px;border:1px solid var(--line);border-radius:10px;background:var(--paper);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--accent-deep);
}
.c-list b{display:block;font-size:.73rem;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-faint);font-weight:600}
.c-list a,.c-list span.val{text-decoration:none;font-weight:500;font-size:.95rem}
.c-list a:hover{color:var(--accent-deep)}

/* ---------- apply band ---------- */
.apply-band{
  background:
    radial-gradient(800px 340px at 82% 0%, rgba(168,189,163,.20) 0%, transparent 62%),
    var(--ink);
  color:#fff;
}
.apply-band h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:14px;color:#fff}
.apply-band p{color:#c3c7cc;max-width:54ch;margin-bottom:30px}
.apply-band .kicker{color:var(--accent-soft)}
.apply-band .steps .step::before{background:var(--accent-soft);color:var(--ink)}
.apply-band .steps h3{color:#fff}
.apply-band .steps p{color:#c3c7cc;margin-bottom:0}
.apply-inner{display:grid;grid-template-columns:.92fr 1.08fr;gap:56px;align-items:center}

/* ---------- footer ---------- */
footer{background:var(--paper-warm);border-top:1px solid var(--line);padding:52px 0 34px}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:38px}
.foot-top h4{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:14px;font-family:'Inter',sans-serif;font-weight:600}
.foot-top ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.foot-top a{text-decoration:none;font-size:.92rem;color:var(--ink-soft)}
.foot-top a:hover{color:var(--accent-deep)}
.foot-brand p{font-size:.9rem;color:var(--ink-soft);max-width:38ch;margin-top:12px}
.foot-brand .motto{
  font-family:'Fraunces',Georgia,serif;
  font-size:1.05rem;font-weight:600;font-style:italic;
  color:var(--accent-deep);letter-spacing:-.01em;
  margin-top:14px;
}
.legal{border-top:1px solid var(--line);padding-top:26px;display:flex;gap:22px;align-items:flex-start;flex-wrap:wrap}
.legal .ehl{flex-shrink:0}
.legal p{font-size:.79rem;color:var(--ink-faint);line-height:1.6;max-width:78ch}
.legal a{color:var(--ink-soft)}
.legal p + p{margin-top:9px}

/* ---------- responsive ---------- */
@media (max-width:980px){
  /* photo goes full width, card slides up to overlap its bottom edge */
  .hero{display:block;min-height:0;padding:0 0 64px}
  .hero-media{position:relative;width:100%;aspect-ratio:16/11;border-radius:0}
  /* stacked: the photo fades down into white and the copy sits on that fade */
  .hero-media::after{
    background:linear-gradient(180deg,
      rgba(255,255,255,0)   50%,
      rgba(255,255,255,.70) 80%,
      rgba(255,255,255,.99) 100%);
  }
  .hero-copy{max-width:none;margin-top:-48px;padding-right:0}
  .split,.form-grid,.apply-inner{grid-template-columns:1fr;gap:40px}
  .portrait{max-width:380px}
  .grid3,.posts,.steps,.reviews-grid{grid-template-columns:1fr 1fr}
  .foot-top{grid-template-columns:1fr 1fr}
}
@media (max-width:700px){
  nav ul{gap:18px}
  nav li.hide-m{display:none}
  .logo-txt small{display:none}
  .hero{padding:0 0 52px}
  .hero-media{aspect-ratio:4/3}
  .hero-copy{margin-top:-36px}
  section{padding:58px 0}
  .grid3,.grid2,.posts,.steps,.field-row,.reviews-grid{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr;gap:28px}
}
/* below ~560px the wordmark and the nav start fighting for the same pixels */
@media (max-width:560px){
  .nav{height:64px;gap:12px}
  .logo img{height:26px}
  .logo-txt b{font-size:.95rem}
  nav ul{gap:16px}
  nav a{font-size:.87rem}
  .btn{padding:10px 18px;font-size:.87rem}
  .hero h1{font-size:clamp(2rem,8vw,2.4rem)}
}
@media (max-width:440px){
  .logo-txt,.logo-rule{display:none}   /* wordmark alone; her name is the <h1> right below */
  nav ul{gap:14px}
}