/* ============================================
   Home Funding Corp — Custom Styles
   Palette: Midnight Blue (#0a1628) + Mint (#34d4a8)
   ============================================ */

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --color-midnight: #0a1628;
  --color-midnight-light: #132240;
  --color-midnight-lighter: #1a2d4a;
  --color-mint: #34d4a8;
  --color-mint-light: #5eead4;
  --color-mint-pale: #e0f7ef;
  --color-cream: #f8faf9;
  --color-white: #ffffff;
  --color-gray-50: #f9fafb;
  --color-gray-100: #f3f4f6;
  --color-gray-200: #e5e7eb;
  --color-gray-300: #d1d5db;
  --color-gray-400: #9ca3af;
  --color-gray-500: #6b7280;
  --color-gray-600: #4b5563;
  --color-gray-700: #374151;
  --color-gray-800: #1f2937;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-serif: 'Playfair Display', Georgia, serif;
  --max-width: 1200px;
  --header-h: 72px;
  --radius: 4px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-sans);
  font-weight: 300;
  color: var(--color-gray-700);
  background: var(--color-white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a {
  color: inherit;
  text-decoration: none;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  background: var(--color-mint);
  color: var(--color-midnight);
  padding: 8px 16px;
  border-radius: var(--radius);
  z-index: 1000;
  font-size: 0.875rem;
  font-weight: 500;
}
.skip-link:focus {
  top: 16px;
}

/* --- Header --- */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: var(--header-h);
  z-index: 100;
  transition: background var(--transition), box-shadow var(--transition);
}
.site-header.scrolled {
  background: rgba(255,255,255,0.97);
  box-shadow: 0 1px 0 var(--color-gray-200);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--color-midnight);
  font-family: var(--font-sans);
  font-weight: 400;
  font-size: 0.9375rem;
  letter-spacing: 0.02em;
}
.logo--light { color: var(--color-white); }
.logo-icon { color: var(--color-mint); }
.logo-text { font-weight: 400; }
.logo-accent {
  font-weight: 300;
  color: var(--color-mint);
}
.logo--light .logo-accent { color: var(--color-mint-light); }

/* Nav */
.nav { display: flex; align-items: center; }

.nav-list {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-link {
  font-size: 0.8125rem;
  font-weight: 400;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-gray-600);
  transition: color var(--transition);
  position: relative;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--color-mint);
  transition: width var(--transition);
}
.nav-link:hover { color: var(--color-midnight); }
.nav-link:hover::after { width: 100%; }

.nav-link--cta {
  background: var(--color-midnight);
  color: var(--color-white) !important;
  padding: 8px 20px;
  border-radius: var(--radius);
  transition: background var(--transition), transform var(--transition);
}
.nav-link--cta::after { display: none; }
.nav-link--cta:hover {
  background: var(--color-midnight-light);
  color: var(--color-white) !important;
  transform: translateY(-1px);
}

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle-line {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--color-midnight);
  transition: transform var(--transition), opacity var(--transition);
}
.nav-toggle[aria-expanded="true"] .nav-toggle-line:nth-child(1) {
  transform: translateY(6.5px) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] .nav-toggle-line:nth-child(2) {
  opacity: 0;
}
.nav-toggle[aria-expanded="true"] .nav-toggle-line:nth-child(3) {
  transform: translateY(-6.5px) rotate(-45deg);
}

/* --- Hero --- */
.hero {
  padding-top: var(--header-h);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.hero .container { flex: 1; }

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  padding: 60px 0 80px;
  min-height: calc(100vh - var(--header-h));
}

.hero-eyebrow {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-mint);
  margin-bottom: 20px;
}

.hero-headline {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3.25rem);
  font-weight: 400;
  line-height: 1.2;
  color: var(--color-midnight);
  margin-bottom: 24px;
}
.hero-headline--accent {
  font-style: italic;
  color: var(--color-mint);
}

.hero-sub {
  font-size: 1.0625rem;
  line-height: 1.8;
  color: var(--color-gray-500);
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 24px;
}
.trust-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.trust-num {
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 400;
  color: var(--color-midnight);
  line-height: 1;
}
.trust-label {
  font-size: 0.6875rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-gray-400);
}
.trust-divider {
  width: 1px;
  height: 40px;
  background: var(--color-gray-200);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-size: 0.8125rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn--primary {
  background: var(--color-midnight);
  color: var(--color-white);
  border-color: var(--color-midnight);
}
.btn--primary:hover {
  background: var(--color-midnight-light);
  border-color: var(--color-midnight-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(10,22,40,0.2);
}
.btn--ghost {
  background: transparent;
  color: var(--color-midnight);
  border-color: var(--color-gray-200);
}
.btn--ghost:hover {
  border-color: var(--color-midnight);
  transform: translateY(-2px);
}
.btn--light {
  background: var(--color-white);
  color: var(--color-midnight);
  border-color: var(--color-white);
}
.btn--light:hover {
  background: var(--color-mint-pale);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.15);
}
.btn--outline-light {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,0.4);
}
.btn--outline-light:hover {
  border-color: var(--color-white);
  background: rgba(255,255,255,0.1);
  transform: translateY(-2px);
}
.btn--full { width: 100%; justify-content: center; }

/* Hero Image */
.hero-image {
  position: relative;
}
.hero-image-frame {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 32px 64px rgba(10,22,40,0.12);
}
.hero-image-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-image-accent {
  position: absolute;
  top: -16px;
  right: -16px;
  width: 120px;
  height: 120px;
  border: 1px solid var(--color-mint);
  border-radius: var(--radius);
  z-index: -1;
}
.hero-badge {
  position: absolute;
  bottom: 24px;
  left: -24px;
  background: var(--color-white);
  padding: 12px 20px;
  border-radius: var(--radius);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-midnight);
  box-shadow: 0 8px 24px rgba(10,22,40,0.1);
  display: flex;
  align-items: center;
  gap: 8px;
}
.hero-badge svg { color: var(--color-mint); }

.hero-line {
  height: 1px;
  background: linear-gradient(90deg, var(--color-mint) 0%, var(--color-gray-200) 50%, transparent 100%);
  max-width: var(--max-width);
  margin: 0 auto;
}

/* --- Section Shared --- */
.section-header {
  text-align: center;
  margin-bottom: 64px;
}
.section-eyebrow {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-mint);
  margin-bottom: 16px;
}
.section-title {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 400;
  color: var(--color-midnight);
  line-height: 1.25;
  margin-bottom: 20px;
}
.section-line {
  width: 48px;
  height: 1px;
  background: var(--color-mint);
  margin: 0 auto;
}

/* --- Services --- */
.services {
  padding: 120px 0;
  background: var(--color-white);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.service-card {
  padding: 40px 32px;
  border: 1px solid var(--color-gray-100);
  border-radius: var(--radius);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--color-mint);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover {
  border-color: var(--color-mint-pale);
  box-shadow: 0 16px 48px rgba(10,22,40,0.06);
  transform: translateY(-4px);
}
.service-card:hover::before { transform: scaleX(1); }

.service-num {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  font-weight: 400;
  color: var(--color-mint);
  opacity: 0.3;
  line-height: 1;
  margin-bottom: 20px;
}
.service-title {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 400;
  color: var(--color-midnight);
  margin-bottom: 12px;
}
.service-desc {
  font-size: 0.9375rem;
  color: var(--color-gray-500);
  line-height: 1.7;
  margin-bottom: 20px;
}
.service-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.service-features li {
  font-size: 0.8125rem;
  color: var(--color-gray-600);
  padding-left: 16px;
  position: relative;
}
.service-features li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  width: 5px;
  height: 5px;
  background: var(--color-mint);
  border-radius: 50%;
}

/* --- About --- */
.about {
  padding: 120px 0;
  background: var(--color-cream);
}
.about-inner {
  display: grid;
  grid-template-columns: 560px 1fr;
  gap: 64px;
  align-items: center;
}
.about-image-wrap {
  position: relative;
}
.about-image-wrap img {
  width: 100%;
  height: 680px;
  object-fit: cover;
  border-radius: var(--radius);
}
.about-image-overlay {
  position: absolute;
  bottom: -24px;
  right: -24px;
  background: var(--color-midnight);
  padding: 28px 32px;
  border-radius: var(--radius);
}
.about-stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.about-stat-num {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 400;
  color: var(--color-mint);
  line-height: 1;
}
.about-stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.04em;
  line-height: 1.4;
}

.about-content { max-width: 520px; }
.about-text {
  font-size: 1rem;
  color: var(--color-gray-500);
  line-height: 1.85;
  margin-bottom: 20px;
}
.about-values {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 24px;
  margin: 32px 0 40px;
}
.value-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  color: var(--color-gray-700);
}
.value-item svg {
  color: var(--color-mint);
  flex-shrink: 0;
}

/* --- Process --- */
.process {
  padding: 120px 0;
  background: var(--color-white);
}
.process-timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.process-step {
  padding: 0 24px;
  position: relative;
}
.process-step-num {
  font-family: var(--font-serif);
  font-size: 3rem;
  font-weight: 400;
  color: var(--color-mint);
  opacity: 0.25;
  line-height: 1;
  margin-bottom: 16px;
}
.process-step-title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--color-midnight);
  margin-bottom: 12px;
}
.process-step-desc {
  font-size: 0.9375rem;
  color: var(--color-gray-500);
  line-height: 1.75;
}
.process-connector {
  position: absolute;
  right: -12px;
  top: 28px;
  width: 24px;
  height: 1px;
  background: var(--color-gray-200);
}
.process-step:last-child .process-connector { display: none; }

/* --- Testimonials --- */
.testimonials {
  padding: 120px 0;
  background: var(--color-midnight);
}
.testimonials .section-eyebrow { color: var(--color-mint-light); }
.testimonials .section-title { color: var(--color-white); }
.testimonials .section-line { background: var(--color-mint); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--color-midnight-light);
  padding: 40px 32px;
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.06);
  transition: all var(--transition);
  position: relative;
}
.testimonial-card:hover {
  border-color: rgba(52,212,168,0.2);
  transform: translateY(-4px);
}
.testimonial-quote {
  color: var(--color-mint);
  margin-bottom: 20px;
  opacity: 0.5;
}
.testimonial-text {
  font-size: 1rem;
  line-height: 1.8;
  color: rgba(255,255,255,0.75);
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial-footer { margin-top: auto; }
.testimonial-author {
  font-family: var(--font-sans);
  font-style: normal;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-mint-light);
  letter-spacing: 0.04em;
}

/* --- CTA Banner --- */
.cta-banner {
  padding: 96px 0;
  background: linear-gradient(135deg, var(--color-mint) 0%, #2bc49a 100%);
}
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.cta-eyebrow { color: var(--color-midnight); opacity: 0.6; }
.cta-title {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 2.5vw, 2.25rem);
  font-weight: 400;
  color: var(--color-midnight);
  line-height: 1.3;
  margin-bottom: 12px;
}
.cta-text {
  font-size: 1rem;
  color: rgba(10,22,40,0.7);
  max-width: 480px;
}
.cta-actions {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
  flex-wrap: wrap;
}

/* --- Contact --- */
.contact {
  padding: 120px 0;
  background: var(--color-cream);
}
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.contact-desc {
  font-size: 1rem;
  color: var(--color-gray-500);
  line-height: 1.8;
  margin-bottom: 40px;
}
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.contact-detail {
  display: flex;
  gap: 16px;
}
.contact-icon {
  color: var(--color-mint);
  flex-shrink: 0;
  margin-top: 2px;
}
.contact-detail-label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gray-400);
  margin-bottom: 4px;
}
.contact-detail address {
  font-style: normal;
  font-size: 0.9375rem;
  color: var(--color-gray-700);
  line-height: 1.7;
}
.contact-detail a {
  font-size: 0.9375rem;
  color: var(--color-gray-700);
  transition: color var(--transition);
}
.contact-detail a:hover { color: var(--color-mint); }

/* Form */
.contact-form-wrap {
  background: var(--color-white);
  padding: 48px;
  border-radius: var(--radius);
  box-shadow: 0 8px 32px rgba(10,22,40,0.06);
  border: 1px solid var(--color-gray-100);
}
.form-group {
  margin-bottom: 24px;
}
.form-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-gray-500);
  margin-bottom: 8px;
}
.form-input {
  width: 100%;
  padding: 12px 16px;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 300;
  color: var(--color-gray-800);
  background: var(--color-gray-50);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-input:focus {
  border-color: var(--color-mint);
  box-shadow: 0 0 0 3px rgba(52,212,168,0.15);
}
.form-input::placeholder { color: var(--color-gray-300); }
.form-select { cursor: pointer; appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M6 8L1 3h10z' fill='%239ca3af'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px; }
.form-textarea { resize: vertical; min-height: 120px; }

.form-success {
  text-align: center;
  padding: 48px 24px;
}
.form-success svg { color: var(--color-mint); margin: 0 auto 16px; }
.form-success h3 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--color-midnight);
  margin-bottom: 8px;
}
.form-success p {
  font-size: 0.9375rem;
  color: var(--color-gray-500);
  line-height: 1.7;
}

/* --- Footer --- */
.site-footer {
  background: var(--color-midnight);
  padding: 56px 0 0;
}
.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 40px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-links {
  display: flex;
  gap: 32px;
  list-style: none;
}
.footer-links a {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.04em;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--color-mint-light); }
.footer-social {
  display: flex;
  gap: 16px;
}
.social-link {
  color: rgba(255,255,255,0.4);
  transition: color var(--transition);
}
.social-link:hover { color: var(--color-mint); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.3);
}
.footer-legal {
  font-size: 0.6875rem !important;
  color: rgba(255,255,255,0.2) !important;
  max-width: 500px;
  text-align: right;
  line-height: 1.5;
}

/* --- Animations --- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; padding: 40px 0 60px; }
  .hero-image { max-width: 480px; }
  .hero-image-accent { display: none; }
  .hero-badge { left: 16px; }
  .about-inner { grid-template-columns: 1fr; gap: 48px; }
  .about-image-wrap img { height: 480px; }
  .about-image-overlay { bottom: -16px; right: 16px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .process-timeline { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .process-connector { display: none; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .contact-inner { grid-template-columns: 1fr; gap: 48px; }
  .cta-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 768px) {
  :root { --header-h: 64px; }
  .nav-list {
    position: fixed;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: var(--color-white);
    flex-direction: column;
    padding: 32px 24px;
    gap: 20px;
    border-top: 1px solid var(--color-gray-100);
    box-shadow: 0 16px 32px rgba(10,22,40,0.08);
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: all var(--transition);
  }
  .nav-list.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }
  .nav-toggle { display: flex; }
  .hero-inner { min-height: auto; padding: 32px 0 48px; }
  .hero-trust { flex-wrap: wrap; gap: 16px; }
  .services-grid { grid-template-columns: 1fr; }
  .process-timeline { grid-template-columns: 1fr; gap: 32px; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 32px 24px; }
  .footer-top { flex-direction: column; gap: 20px; text-align: center; }
  .footer-links { flex-wrap: wrap; justify-content: center; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-legal { text-align: center; }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .about-values { grid-template-columns: 1fr; }
  .cta-actions { flex-direction: column; width: 100%; }
  .cta-actions .btn { width: 100%; justify-content: center; }
}