/* JC Mortgage Group - loan-type detail pages (shared) */
:root{
  --navy:#0E1E3D; --navy-900:#091643; --navy-700:#1a2e54;
  --rose:#B9756A; --rose-700:#a3625a; --rose-100:#f4e8e4;
  --cream:#F8F5F0; --paper:#ffffff;
  --ink:#1b2332; --muted:#626b7b; --line:#e8e3da;
  --gold:#C9A24D;
  --shadow:0 18px 50px -24px rgba(14,30,61,.35);
  --shadow-sm:0 8px 24px -16px rgba(14,30,61,.30);
  --maxw:1180px;
  --ease:cubic-bezier(.22,1,.36,1); --ease-soft:cubic-bezier(.45,0,.15,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;font-weight:600;line-height:1.12;color:var(--navy);letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Inter';font-weight:600;font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--rose)}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;padding:14px 26px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;transition:.25s ease;white-space:nowrap}
.btn-primary{background:var(--rose);color:#fff;box-shadow:0 10px 24px -10px rgba(185,117,106,.7)}
.btn-primary:hover{background:var(--rose-700);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-700);transform:translateY(-2px)}
.btn-sm{padding:11px 20px;font-size:14px}
/* header */
header{position:fixed;top:0;left:0;right:0;z-index:100;transition:.3s ease}
header .bar{display:flex;align-items:center;justify-content:space-between;padding:18px 24px;max-width:var(--maxw);margin:0 auto}
header.scrolled{background:rgba(255,255,255,.96);backdrop-filter:blur(10px);box-shadow:0 1px 0 var(--line)}
.brand{display:flex;align-items:center;gap:12px}
.monogram{font-family:'Playfair Display';font-weight:700;font-size:30px;color:#fff;line-height:.9;letter-spacing:.02em}
.brand .bt{display:flex;flex-direction:column}
.brand .bt .nm{font-family:'Inter';font-weight:600;letter-spacing:.28em;font-size:11px;color:#fff;text-transform:uppercase}
.brand .bt .pw{font-size:9.5px;letter-spacing:.12em;color:rgba(255,255,255,.7);text-transform:uppercase;margin-top:2px}
header.scrolled .monogram,header.scrolled .brand .bt .nm{color:var(--navy)}
header.scrolled .brand .bt .pw{color:var(--muted)}
nav.main{display:flex;align-items:center;gap:24px}
nav.main a.lk{font-weight:500;font-size:15px;color:#fff;opacity:.92;transition:.2s}
nav.main a.lk:hover{opacity:1}
header.scrolled nav.main a.lk{color:var(--ink)}
.menu-btn{display:none;background:none;border:0;cursor:pointer;width:30px;height:24px;position:relative}
.menu-btn span{position:absolute;left:0;right:0;height:2.5px;background:#fff;border-radius:2px;transition:.25s}
header.scrolled .menu-btn span{background:var(--navy)}
.menu-btn span:nth-child(1){top:0}.menu-btn span:nth-child(2){top:10px}.menu-btn span:nth-child(3){top:20px}
.mobile-nav{position:fixed;inset:0 0 0 auto;width:min(82vw,340px);background:var(--navy);z-index:200;transform:translateX(100%);transition:.35s cubic-bezier(.5,0,.2,1);padding:90px 32px 32px;display:flex;flex-direction:column;gap:8px;box-shadow:-20px 0 60px -20px rgba(0,0,0,.5)}
.mobile-nav.open{transform:none}
.mobile-nav a{color:#fff;font-size:18px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-nav .btn{margin-top:18px;justify-content:center}
.mclose{position:absolute;top:24px;right:26px;background:none;border:0;color:#fff;font-size:30px;cursor:pointer;line-height:1}
.overlay{position:fixed;inset:0;background:rgba(8,12,28,.5);z-index:150;opacity:0;pointer-events:none;transition:.3s}
.overlay.show{opacity:1;pointer-events:auto}
/* detail hero */
.lt-hero{position:relative;background:linear-gradient(125deg,var(--navy-900) 0%,var(--navy) 55%,var(--navy-700) 100%);color:#fff;padding:135px 0 72px;overflow:hidden}
.lt-hero::after{content:'';position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(185,117,106,.28),transparent 70%)}
.lt-hero .wrap{position:relative;z-index:2}
.lt-crumb{font-size:13px;color:rgba(255,255,255,.65);margin-bottom:20px;letter-spacing:.02em}
.lt-crumb a{color:rgba(255,255,255,.85)}
.lt-crumb a:hover{color:#fff}
.lt-hero h1{color:#fff;font-size:clamp(34px,5vw,54px);margin:12px 0 0;max-width:20ch}
.lt-hero .lede{color:rgba(255,255,255,.9);font-size:clamp(16px,1.5vw,18.5px);max-width:62ch;margin:20px 0 26px}
.keyfacts{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:32px}
.keyfacts span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:8px 16px;font-size:13.5px;font-weight:500;color:#fff}
.lt-hero .cta-row{display:flex;gap:14px;flex-wrap:wrap}
/* sections */
.sec{padding:84px 0}
.sec.alt{background:var(--cream)}
.sec-head{text-align:center;max-width:680px;margin:0 auto 52px}
.sec-head h2{font-size:clamp(28px,3.6vw,42px);margin:14px 0 0}
.sec-head p{color:var(--muted);font-size:17px;margin-top:16px}
.whatis{max-width:780px;margin:0 auto;text-align:center}
.whatis h2{font-size:clamp(26px,3.2vw,38px)}
.whatis p{color:#3a4250;font-size:17px;line-height:1.8;margin-top:20px}
/* benefits */
.bgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.bcard{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:28px 22px;box-shadow:var(--shadow-sm);transition:.3s ease}
.bcard:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.bicon{width:48px;height:48px;border-radius:12px;background:var(--rose-100);color:var(--rose);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.bicon svg{width:24px;height:24px}
.bcard h3{font-size:17px}
.bcard p{color:#444c5a;font-size:14px;margin-top:9px;line-height:1.65}
/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{text-align:center;padding:10px}
.step .num{width:64px;height:64px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-family:'Playfair Display';font-size:26px;font-weight:600;position:relative}
.step .num::after{content:'';position:absolute;inset:-6px;border:1px solid var(--rose);border-radius:50%;opacity:.4}
.step h3{font-size:19px;margin-bottom:8px}
.step p{color:var(--muted);font-size:14.5px}
/* faq */
.faq{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-sm);overflow:hidden}
.faq summary{cursor:pointer;padding:20px 24px;font-weight:600;color:var(--navy);font-size:16px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';color:var(--rose);font-size:26px;font-weight:300;line-height:1;transition:.2s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .faq-a{padding:0 24px 22px;color:#444c5a;font-size:15px;line-height:1.75}
/* cta band */
.ctaband{background:linear-gradient(135deg,var(--navy),var(--navy-900));color:#fff;text-align:center;padding:72px 0}
.ctaband h2{color:#fff;font-size:clamp(28px,3.4vw,40px)}
.ctaband p{color:rgba(255,255,255,.85);max-width:56ch;margin:16px auto 28px;font-size:17px}
.ctaband .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
/* other loan types */
.others{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;max-width:840px;margin:0 auto}
.others a{background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:11px 20px;font-size:14px;font-weight:600;color:var(--navy);transition:.2s}
.others a:hover{border-color:var(--rose);color:var(--rose)}
/* footer */
footer{background:var(--navy-900);color:rgba(255,255,255,.72);padding:60px 0 36px;font-size:13px}
footer .ftop{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;align-items:flex-start;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.12)}
footer .fbrand .monogram{color:#fff;font-size:34px}
footer .fbrand .nm{font-family:'Inter';font-weight:600;letter-spacing:.26em;font-size:11px;color:rgba(255,255,255,.85);text-transform:uppercase;margin-top:6px}
footer .nmls{max-width:520px;line-height:1.7}
footer .nmls b{color:#fff;font-weight:600}
.eho{display:flex;align-items:center;gap:12px;margin-top:6px}
.eho svg{width:42px;height:42px;flex:0 0 auto}
.eho span{font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.8)}
footer .disc{margin-top:26px;line-height:1.7;font-size:11.5px;color:rgba(255,255,255,.5)}
footer .fbot{margin-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:12px}
footer .fbot a{color:rgba(255,255,255,.7)}footer .fbot a:hover{color:#fff}
.brand .naf-pb{display:flex;align-items:center;gap:6px;margin-top:4px}
.brand .pwl{font-size:9px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.65)}
header.scrolled .brand .pwl{color:var(--muted)}
.brand .naf-hd{height:14px;width:auto;display:block}
.brand .naf-c{display:none}
header.scrolled .brand .naf-w{display:none}
header.scrolled .brand .naf-c{display:block}
footer .naf-ft{height:30px;width:auto;margin-top:14px}
footer .fsocial{display:flex;gap:12px;margin-top:18px}
footer .fsocial a{width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(255,255,255,.08);color:rgba(255,255,255,.78);transition:.25s var(--ease)}
footer .fsocial a:hover{background:var(--rose);color:#fff;transform:translateY(-2px)}
footer .fsocial svg{width:18px;height:18px}
.whatis .local{color:var(--navy);font-weight:500;font-size:16.5px;line-height:1.7;max-width:680px;margin:18px auto 0}
@media(max-width:1024px){nav.main{display:none}.menu-btn{display:block}}
@media(max-width:920px){.bgrid{grid-template-columns:1fr 1fr}}
@media(max-width:780px){.bgrid,.steps{grid-template-columns:1fr}.lt-hero{padding:120px 0 52px}.sec{padding:60px 0}.bcard{max-width:420px;margin:0 auto;width:100%}}
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}