:root {
  /* NXT Mortgage palette: teal #2f6f89, sky #b9ced3, cream #f4f1ea */
  --cream: #f4f1ea;
  --paper: #ffffff;
  --pine: #2f6f89;
  --pine-soft: #255a70;
  --ink: #1a2225;
  --muted: #566267;
  --brass: #2f6f89;
  --sky: #b9ced3;
  --line: #e1ddd3;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --radius: 14px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 500;
  line-height: 1.12;
  letter-spacing: -0.015em;
  margin: 0;
  color: var(--pine);
  text-wrap: balance;
}

h1 { font-size: clamp(2.6rem, 6.2vw, 4.6rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.7rem); }
h3 { font-size: 1.3rem; }

p { margin: 0; }
a { color: inherit; }

.wrap {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 88px 0; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 15px 26px;
  border-radius: 999px;
  border: 1.5px solid transparent;
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  white-space: nowrap;
  transition: background-color .15s, color .15s, border-color .15s, transform .15s;
}
.btn:hover { transform: translateY(-1px); }
.btn:focus-visible, a:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; }
.btn-small { padding: 10px 20px; font-size: .95rem; }
.btn-primary { background: var(--pine); color: var(--paper); }
.btn-primary:hover { background: var(--pine-soft); }
.btn-ghost { border-color: var(--pine); color: var(--pine); }
.btn-ghost:hover { background: var(--pine); color: var(--paper); }
.btn-light { background: var(--cream); color: var(--pine); }
.btn-light:hover { background: #fff; }
.btn-outline-light { border-color: rgba(246, 241, 231, .55); color: var(--cream); }
.btn-outline-light:hover { background: var(--cream); color: var(--pine); }

.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(246, 241, 231, .92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  height: 68px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  margin-right: auto;
}
.brand-mark {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--pine);
  color: var(--cream);
  font-family: var(--serif);
  font-size: 1rem;
  letter-spacing: .02em;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-family: var(--serif); font-size: 1.2rem; font-weight: 600; color: var(--pine); }
.brand-role { font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }

.nav { display: flex; gap: 26px; }
.nav a {
  text-decoration: none;
  font-size: .95rem;
  font-weight: 500;
  color: var(--ink);
}
.nav a:hover { color: var(--brass); }

/* Hero */
.hero { padding: 72px 0 96px; }
.hero-inner {
  display: grid;
  grid-template-columns: 1.25fr .75fr;
  gap: 64px;
  align-items: center;
}
.eyebrow {
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 20px;
}
.lede {
  font-size: 1.2rem;
  color: var(--muted);
  max-width: 34em;
  margin: 24px 0 32px;
}
.hero-note { margin-top: 18px; font-size: .92rem; color: var(--muted); }

.portrait {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: 200px 200px var(--radius) var(--radius);
  overflow: hidden;
  background: var(--pine);
  box-shadow: 14px 14px 0 var(--sky);
}
.portrait img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 1;
}
.portrait-fallback {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  font-family: var(--serif);
  font-size: clamp(4rem, 9vw, 7rem);
  color: rgba(246, 241, 231, .9);
}

/* Services */
.services { padding: 0 0 88px; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.services-grid article { padding: 36px 32px 36px 0; }
.services-grid article + article { padding-left: 32px; border-left: 1px solid var(--line); }
.services-grid p { margin-top: 10px; color: var(--muted); font-size: 1rem; }

/* About */
.about { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.about-inner { display: grid; grid-template-columns: .75fr 1.25fr; gap: 64px; }
.pull-quote {
  margin: 28px 0 0;
  padding-left: 18px;
  border-left: 2px solid var(--brass);
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.15rem;
  line-height: 1.5;
  color: var(--muted);
}
.pull-quote cite {
  display: block;
  margin-top: 10px;
  font-family: var(--sans);
  font-style: normal;
  font-size: .9rem;
  font-weight: 600;
  color: var(--pine);
}
.about-body p + p { margin-top: 18px; }
.about-body p:first-child { font-family: var(--serif); font-size: 1.4rem; line-height: 1.45; color: var(--pine); }

/* Process */
.steps {
  list-style: none;
  counter-reset: step;
  margin: 44px 0 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.steps li { counter-increment: step; border-top: 2px solid var(--pine); padding-top: 18px; }
.steps li::before {
  content: "0" counter(step);
  display: block;
  font-family: var(--serif);
  font-size: 1rem;
  color: var(--brass);
  margin-bottom: 10px;
}
.steps p { margin-top: 8px; color: var(--muted); font-size: 1rem; }

/* Reviews */
.reviews { padding-top: 0; }
.review-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 40px;
}
.review {
  margin: 0;
  padding: 28px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
}
.stars { color: #e0a526; letter-spacing: .18em; font-size: .95rem; }
.review blockquote {
  margin: 14px 0 22px;
  font-family: var(--serif);
  font-size: 1.12rem;
  line-height: 1.5;
  color: var(--ink);
}
.review figcaption { margin-top: auto; font-weight: 600; font-size: .95rem; }
.review figcaption span { display: block; font-weight: 400; color: var(--muted); }
.reviews-more { margin-top: 28px; }
.reviews-more a { color: var(--pine); font-weight: 600; text-underline-offset: 4px; }

/* Contact */
.contact { background: var(--pine); color: var(--cream); }
.contact h2 { color: var(--cream); }
.contact-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.contact-lede { margin: 16px 0 30px; color: rgba(244, 241, 234, .82); font-size: 1.1rem; }
.contact-list { margin: 0 0 30px; display: grid; gap: 22px; }
.contact-list div { border-top: 1px solid rgba(244, 241, 234, .25); padding-top: 14px; }
.contact-list dt {
  font-size: .72rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: rgba(244, 241, 234, .7);
}
.contact-list dd { margin: 4px 0 0; font-family: var(--serif); font-size: 1.3rem; line-height: 1.35; overflow-wrap: anywhere; }
.contact-list a { text-decoration: none; }
.contact-list a:hover { text-decoration: underline; text-underline-offset: 4px; }

.contact-form {
  display: grid;
  gap: 16px;
  padding: 32px;
  background: var(--cream);
  color: var(--ink);
  border-radius: var(--radius);
}
.contact-form h3 { font-size: 1.5rem; margin-bottom: 4px; }
.contact-form label { display: grid; gap: 6px; font-size: .9rem; font-weight: 600; }
.contact-form .optional { font-weight: 400; color: var(--muted); }
.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #c9c4b8;
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font: inherit;
  font-weight: 400;
}
.contact-form textarea { resize: vertical; }
.contact-form input:focus,
.contact-form textarea:focus { outline: 2px solid var(--pine); outline-offset: 1px; border-color: var(--pine); }
.contact-form .btn { cursor: pointer; font-family: inherit; justify-self: start; }
.form-note { font-size: .82rem; color: var(--muted); }
.hp { position: absolute; left: -9999px; }

.rating { display: flex; flex-wrap: wrap; align-items: baseline; gap: 10px; margin-top: 14px; color: var(--muted); }
.rating-score { font-family: var(--serif); font-size: 1.6rem; color: var(--pine); }

.thanks { min-height: 70vh; display: grid; place-items: center; text-align: center; }
.thanks p { margin: 16px 0 28px; color: var(--muted); }

/* Footer */
.site-footer { padding: 44px 0 36px; font-size: .86rem; color: var(--muted); }
.footer-inner { display: grid; gap: 20px; }
.footer-ids { display: flex; align-items: center; gap: 16px; color: var(--ink); }
.footer-ids p { line-height: 1.5; }
.eho { width: 44px; height: 44px; flex: none; color: var(--pine); }
.disclosure { max-width: 78ch; line-height: 1.6; }

/* Responsive */
@media (max-width: 900px) {
  section { padding: 64px 0; }
  .nav { display: none; }
  .hero { padding: 44px 0 64px; }
  .hero-inner { grid-template-columns: 1fr; gap: 44px; }
  .portrait { max-width: 260px; }
  .services { padding-bottom: 64px; }
  .services-grid { grid-template-columns: 1fr; }
  .services-grid article { padding: 26px 0; }
  .services-grid article + article { padding-left: 0; border-left: 0; border-top: 1px solid var(--line); }
  .about-inner, .contact-inner { grid-template-columns: 1fr; gap: 28px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .review-grid { grid-template-columns: 1fr; }
  .reviews { padding-top: 0; }
}

@media (max-width: 480px) {
  body { font-size: 16px; }
  .wrap { padding: 0 18px; }
  .brand-role { display: none; }
  .steps { grid-template-columns: 1fr; }
  .cta-row .btn { flex: 1 1 100%; }
  .header-inner .btn { flex: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}