/* =========================================================
   HouseLoansUSA.com — base stylesheet
   Palette: deep indigo (trust/finance) + warm amber (action)
   ========================================================= */

:root {
  --indigo-900: #171A33;
  --indigo-700: #2A2F5C;
  --indigo-500: #454C8C;
  --amber-500: #D9A34A;
  --amber-600: #BE8834;
  --paper: #F7F6F3;
  --white: #FFFFFF;
  --ink: #1B1B1E;
  --ink-soft: #55565F;
  --line: #DFDEDA;
  --success: #2F7D5D;
  --success-bg: #E7F3ED;
  --caution: #B4472A;
  --caution-bg: #FBEAE4;

  --font-display: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  --max-width: 1120px;
  --radius: 6px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--indigo-900);
  line-height: 1.2;
  margin: 0 0 0.5em;
  font-weight: 700;
}

h1 { font-size: clamp(1.9rem, 4vw, 2.7rem); }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.9rem); margin-top: 2em; }
h3 { font-size: 1.15rem; margin-top: 1.5em; }

p { margin: 0 0 1.1em; max-width: 68ch; }

a { color: var(--indigo-700); }
a:hover { color: var(--amber-600); }

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

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

/* ---------- Header ---------- */

.site-header {
  background: var(--indigo-900);
  color: var(--white);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 18px;
  padding-bottom: 18px;
  flex-wrap: wrap;
  gap: 12px;
}

.site-logo {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--white);
  text-decoration: none;
  letter-spacing: -0.01em;
}

.site-logo span { color: var(--amber-500); }

.site-nav ul {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}

.site-nav a {
  color: var(--white);
  text-decoration: none;
  font-size: 0.95rem;
  opacity: 0.88;
}

.site-nav a:hover { opacity: 1; color: var(--amber-500); }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid rgba(255,255,255,0.3);
  color: var(--white);
  border-radius: var(--radius);
  padding: 8px 12px;
  font-size: 0.9rem;
  cursor: pointer;
}

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

.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  border: 1px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background: var(--amber-500);
  color: var(--indigo-900);
}
.btn-primary:hover { background: var(--amber-600); color: var(--indigo-900); }

.btn-outline {
  background: transparent;
  border-color: var(--indigo-700);
  color: var(--indigo-700);
}
.btn-outline:hover { border-color: var(--amber-600); color: var(--amber-600); }

/* ---------- Page content ---------- */

main {
  padding: 48px 0 64px;
}

.lede {
  font-size: 1.1rem;
  color: var(--ink-soft);
  max-width: 62ch;
}

/* ---------- Cards / panels ---------- */

.panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--indigo-700);
  border-radius: var(--radius);
  padding: 28px;
  margin: 28px 0;
}

/* Remove excess top margin from h2 when it's the first element inside a panel */
.panel > h2:first-child {
  margin-top: 0;
}

/* ---------- Calculator grid ---------- */

#calcGrid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px 24px;
}

/* Stack calculator to single column on narrow screens */
@media (max-width: 600px) {
  #calcGrid {
    grid-template-columns: 1fr;
  }
}

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

.site-footer {
  background: var(--indigo-900);
  color: rgba(255,255,255,0.75);
  margin-top: 64px;
  font-size: 0.9rem;
}

.site-footer .container {
  padding-top: 40px;
  padding-bottom: 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}

.footer-grid h4 {
  color: var(--white);
  font-size: 0.85rem;
  margin-bottom: 12px;
}

.footer-grid ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-grid li { margin-bottom: 8px; }

.footer-grid a {
  color: rgba(255,255,255,0.75);
  text-decoration: none;
}
.footer-grid a:hover { color: var(--amber-500); }

.footer-bottom {
  padding-top: 18px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
}

.affiliate-note {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  max-width: 72ch;
  margin-top: 10px;
}

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

@media (max-width: 760px) {
  .site-nav { display: none; width: 100%; }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; gap: 14px; padding: 16px 0; }
  .nav-toggle { display: inline-block; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}