/* ============================================================
   Nick Demiro | Edge Home Finance, LLC
   Site stylesheet — brand tokens follow the Edge brand system.
   Non-developers: colors are all defined once in :root below.
   ============================================================ */

:root{
  --navy:#253368;
  --navy-deep:#1A2549;
  --sky:#8CACE0;
  --mid:#4A63A8;
  --pale:#EEF3FB;
  --white:#FFFFFF;
  --ink:#1F2430;
  --slate:#5C6478;
  --hair:#D8DEE9;

  --container:1140px;
  --r-card:8px;
  --r-btn:6px;
  --shadow:0 2px 12px rgba(37,51,104,.08);

  --s1:8px; --s2:16px; --s3:24px; --s4:40px; --s5:64px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:150px}
body{
  margin:0;
  background:var(--white);
  color:var(--ink);
  font-family:'Inter','Helvetica Neue',Arial,sans-serif;
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,.font-head{
  font-family:'Poppins','Montserrat','Helvetica Neue',Arial,sans-serif;
  color:var(--navy);
  font-weight:600;
  line-height:1.25;
  margin:0 0 var(--s2);
}
h1{font-size:clamp(30px,4.2vw,40px);font-weight:700}
h2{font-size:clamp(23px,3vw,26px)}
h3{font-size:19px}
h4{font-size:17px}
p{margin:0 0 var(--s2)}
a{color:var(--mid);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--navy-deep)}
img{max-width:100%;height:auto;display:block}
ul,ol{margin:0 0 var(--s2);padding-left:1.25em}
li{margin-bottom:6px}
hr{border:0;border-top:1px solid var(--hair);margin:var(--s4) 0}

.container{max-width:var(--container);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
section{padding:var(--s5) 0}
section.tight{padding:var(--s4) 0}
.bg-pale{background:var(--pale)}
.bg-navy{background:var(--navy);color:var(--white)}
.bg-navy h1,.bg-navy h2,.bg-navy h3{color:var(--white)}
.bg-navy a{color:#CFDCF4}

.eyebrow{
  font-family:'Poppins',sans-serif;
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:12px;
  font-weight:600;
  color:var(--mid);
  margin:0 0 var(--s1);
}
.bg-navy .eyebrow{color:var(--sky)}
.lede{font-size:19px;color:var(--ink)}
.muted{color:var(--slate)}
.small{font-size:14px}
.legal{font-size:12px;line-height:1.55;color:var(--slate)}

/* ---------- Skip link ---------- */
.skip-link{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--navy);color:#fff;padding:12px 20px;border-radius:0 0 6px 0;
}
.skip-link:focus{left:0}

/* ---------- Focus visibility (WCAG 2.4.7) ---------- */
a:focus-visible,button:focus-visible,input:focus-visible,
select:focus-visible,textarea:focus-visible,summary:focus-visible{
  outline:3px solid var(--mid);
  outline-offset:2px;
  border-radius:3px;
}

/* ---------- Pre-launch placeholder highlight ---------- */
.ph{
  background:#FFF3A3;
  color:#4A3B00;
  border:1px dashed #B89B00;
  border-radius:4px;
  padding:1px 6px;
  font-weight:600;
  font-size:.95em;
}
.ph-block{
  background:#FFF9D6;
  border:2px dashed #B89B00;
  border-radius:var(--r-card);
  padding:var(--s3);
  margin:var(--s3) 0;
  color:#4A3B00;
}
.ph-block h3,.ph-block h4{color:#4A3B00}

/* ---------- Utility bar ---------- */
.utility{
  background:var(--navy-deep);
  color:#DCE4F5;
  font-size:12.5px;
  padding:7px 0;
}
.utility .container{
  display:flex;flex-wrap:wrap;gap:6px 18px;
  align-items:center;justify-content:space-between;
}
.utility a{color:#FFFFFF;text-decoration:underline}
.utility a:hover{color:var(--sky)}
.utility .nmls{letter-spacing:.01em}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:var(--white);
  border-bottom:1px solid var(--hair);
  box-shadow:var(--shadow);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:20px;padding:12px 0;
}
.brand-lockup{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand-lockup img{width:170px;height:47px}
.brand-name{
  font-family:'Poppins',sans-serif;font-weight:600;font-size:15px;
  color:var(--navy);line-height:1.2;border-left:1px solid var(--hair);padding-left:14px;
}
.brand-name span{display:block;font-weight:400;font-size:11.5px;color:var(--slate)}

.nav-toggle{
  display:none;background:none;border:1.5px solid var(--navy);
  border-radius:var(--r-btn);color:var(--navy);
  font-family:'Poppins',sans-serif;font-weight:600;font-size:14px;
  padding:9px 14px;cursor:pointer;
}
.site-nav ul{display:flex;gap:20px;list-style:none;margin:0;padding:0;align-items:center}
.site-nav a{
  font-family:'Poppins',sans-serif;font-weight:500;font-size:15px;
  color:var(--navy);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent;
  white-space:nowrap;
}
.site-nav a:hover{border-bottom-color:var(--sky)}
.site-nav a[aria-current="page"]{border-bottom-color:var(--navy);font-weight:600}
.header-cta{display:flex;align-items:center;gap:12px;flex:none}
.header-cta .btn{white-space:nowrap}

/* The name block beside the logo is the first thing to go when space is tight. */
@media (max-width:1180px){
  .brand-name{display:none}
  .site-nav ul{gap:16px}
  .site-nav a{font-size:14.5px}
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-block;font-family:'Poppins',sans-serif;font-weight:600;font-size:15px;
  padding:14px 28px;border-radius:var(--r-btn);text-decoration:none;text-align:center;
  border:1.5px solid transparent;cursor:pointer;transition:background .15s,color .15s;
}
.btn-primary{background:var(--navy);color:var(--white);border-color:var(--navy)}
.btn-primary:hover{background:var(--navy-deep);color:var(--white)}
.btn-secondary{background:var(--white);color:var(--navy);border-color:var(--navy)}
.btn-secondary:hover{background:var(--pale);color:var(--navy-deep)}
.btn-onnavy{background:var(--white);color:var(--navy);border-color:var(--white)}
.btn-onnavy:hover{background:var(--pale);color:var(--navy-deep)}
.btn-sm{padding:10px 18px;font-size:14px}
.btn-block{display:block;width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:var(--s3)}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:var(--white);padding:var(--s5) 0}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:var(--s5);align-items:center}
.hero h1{color:var(--white);margin-bottom:var(--s3)}
.hero p{color:#E4EAF7}
.hero-photo{
  border-radius:var(--r-card);overflow:hidden;background:#FFFFFF;
  border:3px solid rgba(255,255,255,.22);max-width:400px;margin-left:auto;
}
.hero-photo img{width:100%;height:auto;object-fit:cover}
.hero-trust{
  display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:var(--s3);
  font-size:14px;color:#CFDCF4;list-style:none;padding:0;
}
.hero-trust li{display:flex;align-items:center;gap:8px;margin:0}
.hero-trust li::before{
  content:"";width:7px;height:7px;border-radius:50%;background:var(--sky);flex:none;
}

/* ---------- Grids & cards ---------- */
.grid{display:grid;gap:var(--s3)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{
  background:var(--white);border:1px solid var(--hair);
  border-radius:var(--r-card);padding:var(--s3);
}
.card h3{margin-bottom:10px}
.card p:last-child{margin-bottom:0}
.card-link{text-decoration:none;color:inherit;display:block;transition:border-color .15s,box-shadow .15s}
.card-link:hover{border-color:var(--sky);box-shadow:var(--shadow);color:inherit}
.card-link h3{color:var(--navy)}

.callout{
  background:var(--pale);border-left:4px solid var(--sky);
  border-radius:0 var(--r-card) var(--r-card) 0;padding:var(--s3);margin:var(--s3) 0;
}
.callout p:last-child{margin-bottom:0}
.callout h3{margin-top:0}

/* ---------- Quick facts ---------- */
.quickfacts dl{display:grid;grid-template-columns:220px 1fr;gap:0;margin:0;border-top:1px solid var(--hair)}
.quickfacts dt{
  font-family:'Poppins',sans-serif;font-weight:600;color:var(--navy);
  padding:14px 20px 14px 0;border-bottom:1px solid var(--hair);
}
.quickfacts dd{margin:0;padding:14px 0;border-bottom:1px solid var(--hair)}

/* ---------- Process timeline ---------- */
.steps{list-style:none;padding:0;margin:0;counter-reset:step;display:grid;gap:var(--s3)}
.steps li{
  counter-increment:step;position:relative;padding-left:64px;margin:0;
}
.steps li::before{
  content:counter(step);
  position:absolute;left:0;top:0;
  width:44px;height:44px;border-radius:50%;
  background:var(--navy);color:var(--white);
  display:flex;align-items:center;justify-content:center;
  font-family:'Poppins',sans-serif;font-weight:600;font-size:18px;
}
.steps h3{margin-bottom:6px}
.steps p{margin-bottom:0}

/* ---------- Badges ---------- */
.badge-row{display:flex;flex-wrap:wrap;gap:var(--s3);align-items:stretch;justify-content:center}
.badge{
  background:var(--white);border:1px solid var(--hair);border-radius:var(--r-card);
  padding:var(--s3);text-align:center;max-width:250px;
  display:flex;flex-direction:column;align-items:center;justify-content:space-between;gap:14px;
}
.badge img{margin:0 auto}
.badge figcaption{font-size:12.5px;color:var(--slate);line-height:1.5}

/* ---------- Reviews ---------- */
.review{
  background:var(--white);border:1px solid var(--hair);border-radius:var(--r-card);
  padding:var(--s3);display:flex;flex-direction:column;gap:12px;
}
.review blockquote{margin:0;font-size:16px}
.review .stars{color:var(--navy);letter-spacing:2px;font-size:15px}
.review{margin:0}
.review blockquote{flex:1 1 auto}
.review figcaption{
  display:flex;flex-direction:column;gap:3px;
  border-top:1px solid var(--hair);padding-top:12px;margin-top:auto;
}
.review cite{font-style:normal;font-weight:600;color:var(--navy);font-family:'Poppins',sans-serif;font-size:14px}
.review .src{font-size:12px;color:var(--slate)}
.review .src a{color:var(--mid)}

/* ---------- Forms ---------- */
.form-wrap{
  background:var(--pale);border:1px solid var(--hair);
  border-radius:var(--r-card);padding:var(--s4);
}
.field{margin-bottom:var(--s2)}
.field label{
  display:block;font-family:'Poppins',sans-serif;font-weight:600;
  font-size:14px;color:var(--navy);margin-bottom:6px;
}
.field input,.field select,.field textarea{
  width:100%;padding:12px 14px;font-size:16px;font-family:inherit;color:var(--ink);
  background:var(--white);border:1px solid var(--hair);border-radius:var(--r-card);
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--mid)}
.field-help{font-size:13px;color:var(--slate);margin-top:5px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--s2)}
.consent{
  display:flex;gap:12px;align-items:flex-start;
  background:var(--white);border:1px solid var(--hair);border-radius:var(--r-card);
  padding:var(--s2);margin:var(--s3) 0;
}
.consent input[type=checkbox]{width:20px;height:20px;flex:none;margin-top:2px}
.consent label{font-size:12.5px;line-height:1.55;color:var(--slate);font-family:inherit;font-weight:400}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* ---------- Calculators ---------- */
.calc{
  background:var(--white);border:1px solid var(--hair);border-radius:var(--r-card);
  padding:var(--s4);margin-bottom:var(--s4);
}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--s4);align-items:start}
.calc-result{background:var(--pale);border-radius:var(--r-card);padding:var(--s3)}
.calc-result .big{
  font-family:'Poppins',sans-serif;font-weight:700;font-size:34px;color:var(--navy);
  line-height:1.15;margin:0 0 4px;
}
.calc-result .big-label{font-size:13px;color:var(--slate);margin:0 0 var(--s3)}
.breakdown{width:100%;border-collapse:collapse;font-size:15px}
.breakdown th,.breakdown td{padding:9px 0;border-bottom:1px solid var(--hair);text-align:left}
.breakdown td:last-child,.breakdown th:last-child{text-align:right;font-variant-numeric:tabular-nums}
.breakdown tr:last-child th,.breakdown tr:last-child td{
  border-bottom:0;border-top:2px solid var(--navy);font-weight:600;color:var(--navy);
}
.swatch{display:inline-block;width:11px;height:11px;border-radius:2px;margin-right:8px;vertical-align:baseline}
.donut-wrap{display:flex;justify-content:center;margin-bottom:var(--s3)}
.calc-note{
  font-size:12px;line-height:1.55;color:var(--slate);
  background:var(--pale);border-left:4px solid var(--sky);
  padding:14px 16px;border-radius:0 6px 6px 0;margin-top:var(--s3);
}
.calc-error{color:#8A1F1F;font-size:14px;margin-top:var(--s2)}

/* ---------- Program sections ---------- */
.program{
  border-top:1px solid var(--hair);padding-top:var(--s4);margin-top:var(--s4);
  scroll-margin-top:170px;
}
.program:first-of-type{border-top:0;margin-top:0;padding-top:0}
.program-toc{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.program-toc a{
  display:inline-block;background:var(--white);border:1px solid var(--hair);
  border-radius:100px;padding:8px 16px;font-size:14px;text-decoration:none;color:var(--navy);
  font-family:'Poppins',sans-serif;font-weight:500;
}
.program-toc a:hover{border-color:var(--sky);background:var(--pale)}

/* ---------- FAQ ---------- */
.faq details{
  border:1px solid var(--hair);border-radius:var(--r-card);
  padding:var(--s2) var(--s3);margin-bottom:12px;background:var(--white);
}
.faq summary{
  font-family:'Poppins',sans-serif;font-weight:600;color:var(--navy);
  font-size:17px;cursor:pointer;list-style:none;position:relative;padding-right:34px;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";position:absolute;right:0;top:-3px;font-size:24px;font-weight:400;color:var(--mid);
}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{margin-bottom:var(--s2)}

/* ---------- Tables ---------- */
.table-wrap{overflow-x:auto;border:1px solid var(--hair);border-radius:var(--r-card)}
table.data{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
table.data caption{text-align:left;padding:var(--s2) var(--s3);font-size:14px;color:var(--slate)}
table.data th,table.data td{padding:12px var(--s3);text-align:left;border-bottom:1px solid var(--hair)}
table.data thead th{
  background:var(--navy);color:var(--white);
  font-family:'Poppins',sans-serif;font-weight:600;font-size:14px;
}
table.data tbody tr:nth-child(even){background:var(--pale)}
table.data tbody tr:last-child td{border-bottom:0}

/* ---------- Article ---------- */
.article-body{max-width:720px}
.article-body h2{margin-top:var(--s4)}
.article-body h3{margin-top:var(--s3)}
.breadcrumbs{font-size:13.5px;color:var(--slate);margin-bottom:var(--s2)}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0}
.breadcrumbs li::after{content:"›";margin-left:8px;color:var(--hair)}
.breadcrumbs li:last-child::after{content:""}
.meta{font-size:13.5px;color:var(--slate);margin-bottom:var(--s3)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-deep);color:#C8D2E8;padding:var(--s5) 0 var(--s4)}
.site-footer h2,.site-footer h3{color:var(--white);font-size:16px;margin-bottom:14px}
.site-footer a{color:#FFFFFF;text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:var(--sky)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:var(--s4)}
.footer-grid ul{list-style:none;padding:0;margin:0;font-size:15px}
.footer-grid li{margin-bottom:9px}
.footer-logos{display:flex;align-items:center;gap:var(--s3);flex-wrap:wrap;margin-bottom:var(--s2)}
.logo-plate{
  display:inline-block;background:#FFFFFF;border-radius:6px;padding:12px 16px;line-height:0;
}
.logo-plate img{width:180px;height:50px}
.powered{font-size:13px;color:#C8D2E8;margin:0}
.footer-legal{
  border-top:1px solid rgba(255,255,255,.16);margin-top:var(--s4);padding-top:var(--s3);
  font-size:12px;line-height:1.65;color:#B6C1DB;
}
.footer-legal p{margin:0 0 12px}
.footer-legal a{color:#FFFFFF;text-decoration:underline}
.footer-eho{display:flex;align-items:flex-start;gap:14px;margin-top:var(--s2)}

/* ---------- Sticky mobile action bar ---------- */
.mobile-bar{display:none}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:var(--s4)}
  .hero-photo{max-width:360px}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr;gap:var(--s3)}
  .calc-grid{grid-template-columns:1fr}
  .quickfacts dl{grid-template-columns:1fr}
  .quickfacts dt{padding-bottom:0;border-bottom:0}
  .quickfacts dd{padding-top:4px}
}

@media (max-width:820px){
  body{padding-bottom:64px}
  .nav-toggle{display:block}
  .site-nav{display:none;width:100%;order:3}
  .site-nav.open{display:block}
  .site-nav ul{flex-direction:column;align-items:stretch;gap:0;padding-top:var(--s2)}
  .site-nav li{border-top:1px solid var(--hair)}
  .site-nav a{display:block;padding:13px 0;border-bottom:0}
  .header-inner{flex-wrap:wrap;gap:var(--s2)}
  .brand-name{display:none}
  .header-cta .btn{display:none}
  .mobile-bar{
    display:grid;grid-template-columns:repeat(3,1fr);
    position:fixed;left:0;right:0;bottom:0;z-index:150;
    background:var(--navy);border-top:1px solid rgba(255,255,255,.2);
  }
  .mobile-bar a{
    color:var(--white);text-decoration:none;text-align:center;
    font-family:'Poppins',sans-serif;font-weight:600;font-size:14px;
    padding:18px 6px;border-right:1px solid rgba(255,255,255,.2);
  }
  .mobile-bar a:last-child{border-right:0;background:var(--mid)}
  .utility .container{justify-content:center;text-align:center;font-size:12px}
}

@media (max-width:620px){
  body{font-size:16px}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  section{padding:var(--s4) 0}
  .form-wrap,.calc{padding:var(--s3)}
  .steps li{padding-left:56px}
}

@media print{
  .site-header,.mobile-bar,.utility,.btn{display:none}
}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important;animation:none!important}
}