/* ==========================================================
   Jamison Biron — Conventional Loans in New Hampshire
   Change the palette in one place: the :root variables below.
   ========================================================== */
:root{
  --navy-900:#06172f;
  --navy-800:#0a2342;
  --navy-700:#10315c;
  --blue-600:#1b5fb3;
  --blue-500:#2b7bd6;
  --sky-100:#e8f1fb;
  --sky-50:#f4f8fd;
  --gold-500:#c9a45c;
  --gold-400:#d9b872;
  --ink:#14213a;
  --muted:#5a6a85;
  --line:#dbe4f0;
  --white:#fff;
  --radius:14px;
  --shadow:0 10px 34px rgba(6,23,47,.12);
  --shadow-sm:0 4px 14px rgba(6,23,47,.08);
  --font-head:'Playfair Display',Georgia,serif;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:#fff;line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--blue-600);text-decoration:none}
a:hover{color:var(--navy-700)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy-800);line-height:1.2;font-weight:700}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:.6em}
h3{font-size:1.3rem;margin-bottom:.4em}
p{margin-bottom:1.1em}
.container{width:min(1180px,92%);margin-inline:auto}
.narrow{width:min(860px,92%);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 16px;z-index:999}
.skip:focus{left:10px;top:10px}

/* Top bar */
.topbar{background:var(--navy-900);color:#cfdcf0;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding:8px 0;gap:14px;flex-wrap:wrap}
.topbar a{color:#e6eefb}
.topbar a:hover{color:var(--gold-400)}
.topbar .tb-right{display:flex;gap:22px;flex-wrap:wrap}
.topbar .nmls{letter-spacing:.04em}

/* Header */
.site-header{background:var(--navy-800);position:sticky;top:0;z-index:100;box-shadow:0 2px 18px rgba(0,0,0,.25)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:82px;gap:20px}
.logo img{height:44px;width:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav > ul{display:flex;list-style:none;gap:2px;align-items:center}
.nav li{position:relative}
.nav a.nl,.nav button.nl{color:#e6eefb;font:600 .92rem var(--font-body);padding:30px 13px;display:block;background:none;border:0;cursor:pointer;letter-spacing:.02em}
.nav a.nl:hover,.nav button.nl:hover,.nav a.nl.active{color:var(--gold-400)}
.nav .caret::after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;transform:translateY(3px)}
.dropdown{position:absolute;top:100%;left:0;min-width:290px;background:#fff;border-radius:0 0 var(--radius) var(--radius);box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s;border-top:3px solid var(--gold-500)}
.has-dd:hover .dropdown,.has-dd:focus-within .dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;padding:10px 14px;color:var(--ink);font-weight:500;font-size:.95rem;border-radius:8px}
.dropdown a:hover{background:var(--sky-100);color:var(--navy-800)}
.btn{display:inline-block;font:700 .95rem var(--font-body);padding:14px 28px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.2s;letter-spacing:.02em;text-align:center}
.btn-gold{background:var(--gold-500);color:var(--navy-900)}
.btn-gold:hover{background:var(--gold-400);color:var(--navy-900);transform:translateY(-2px);box-shadow:0 8px 20px rgba(201,164,92,.35)}
.btn-blue{background:var(--blue-600);color:#fff}
.btn-blue:hover{background:var(--navy-700);color:#fff;transform:translateY(-2px)}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy-800)}
.btn-outline-dark{border-color:var(--navy-800);color:var(--navy-800)}
.btn-outline-dark:hover{background:var(--navy-800);color:#fff}
.nav .btn{padding:11px 22px;margin-left:10px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:26px;height:3px;background:#fff;margin:5px 0;border-radius:2px;transition:.25s}

/* Hero */
.hero{position:relative;background:linear-gradient(135deg,var(--navy-900) 0%,var(--navy-800) 55%,var(--navy-700) 100%);color:#fff;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(900px 400px at 85% 10%,rgba(43,123,214,.35),transparent 60%),radial-gradient(600px 300px at 0% 100%,rgba(201,164,92,.14),transparent 60%)}
.hero .container{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding:84px 0 92px}
.hero h1{color:#fff;margin-bottom:.45em}
.hero h1 em{font-style:normal;color:var(--gold-400)}
.hero p.lead{font-size:1.16rem;color:#d3dff2;max-width:600px}
.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.18em;font-size:.76rem;font-weight:700;color:var(--gold-400);margin-bottom:16px}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero-card{position:relative;justify-self:center;width:min(400px,100%)}
.hero-card .photo{border-radius:24px;overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.4);border:4px solid rgba(255,255,255,.12);aspect-ratio:1}
.hero-card .photo img{width:100%;height:100%;object-fit:cover}
.hero-card .badge{position:absolute;left:-26px;bottom:26px;background:#fff;color:var(--navy-800);border-radius:var(--radius);padding:14px 20px;box-shadow:var(--shadow)}
.hero-card .badge b{display:block;font-family:var(--font-head);font-size:1.12rem}
.hero-card .badge span{font-size:.8rem;color:var(--muted)}
.hero.sub .container{grid-template-columns:1fr;padding:64px 0 70px}
.hero.sub p.lead{max-width:760px}
.crumbs{font-size:.85rem;color:#a9bddb;margin-bottom:18px}
.crumbs a{color:#cfe0f7}.crumbs a:hover{color:var(--gold-400)}
.crumbs span{margin:0 8px;opacity:.6}

/* Trust strip */
.strip{background:var(--sky-50);border-bottom:1px solid var(--line)}
.strip .container{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:26px 0;text-align:center}
.strip b{display:block;font-family:var(--font-head);font-size:1.5rem;color:var(--navy-800)}
.strip span{font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}

/* Sections */
section.block{padding:84px 0}
section.alt{background:var(--sky-50)}
section.dark{background:var(--navy-800);color:#d3dff2}
section.dark h2,section.dark h3{color:#fff}
.sec-head{text-align:center;max-width:740px;margin:0 auto 52px}
.sec-head p{color:var(--muted)}
.dark .sec-head p{color:#b8c9e3}
.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;box-shadow:var(--shadow-sm);transition:.25s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--blue-500)}
.card .ico{width:54px;height:54px;border-radius:14px;background:var(--sky-100);color:var(--blue-600);display:grid;place-items:center;margin-bottom:20px}
.card .ico svg{width:28px;height:28px}
.card p{color:var(--muted);font-size:.97rem}
.card .more{margin-top:auto;font-weight:700;font-size:.92rem}
.card .more::after{content:" →"}
.dark .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12);box-shadow:none}
.dark .card p{color:#b8c9e3}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.top{align-items:start}
.split img.rounded{border-radius:22px;box-shadow:var(--shadow);width:100%}
.checks{list-style:none;margin:18px 0 26px}
.checks li{padding:8px 0 8px 36px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:12px;width:22px;height:22px;border-radius:50%;background:var(--blue-600) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/14px no-repeat}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 24px;box-shadow:var(--shadow-sm)}
.step::before{counter-increment:s;content:counter(s);font-family:var(--font-head);font-size:2.4rem;color:var(--gold-500);display:block;line-height:1;margin-bottom:12px}
.step p{color:var(--muted);font-size:.95rem;margin:0}
.table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow-sm)}
table{width:100%;border-collapse:collapse;background:#fff;font-size:.97rem}
th{background:var(--navy-800);color:#fff;text-align:left;padding:15px 18px;font-weight:600}
td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
tr:nth-child(even) td{background:var(--sky-50)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;box-shadow:var(--shadow-sm)}
.faq summary{cursor:pointer;padding:18px 54px 18px 22px;font-weight:700;color:var(--navy-800);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--blue-600);transition:.2s}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 22px 18px;color:var(--muted);margin:0}
.cta-band{background:linear-gradient(120deg,var(--navy-800),var(--blue-600));color:#fff;text-align:center;padding:76px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#d3dff2;max-width:640px;margin:0 auto 28px}
.cta-band .row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.city-links{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.city-links a{background:#fff;border:1px solid var(--line);padding:12px 22px;border-radius:999px;font-weight:600;color:var(--navy-800);box-shadow:var(--shadow-sm);transition:.2s}
.city-links a:hover{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}
.note{font-size:.84rem;color:var(--muted);border-left:3px solid var(--gold-500);padding:6px 0 6px 14px;margin-top:22px}
.reviews{display:flex;align-items:center;justify-content:center;gap:22px;flex-wrap:wrap}
.stars{color:var(--gold-500);font-size:1.6rem;letter-spacing:4px}

/* Calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:34px}
.calc label{display:block;font-weight:600;font-size:.88rem;margin-bottom:6px;color:var(--navy-800)}
.calc input,.calc select{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.calc input:focus,.calc select:focus,.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--blue-500);border-color:transparent}
.calc .fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc .out{margin-top:22px;background:var(--navy-800);color:#fff;border-radius:14px;padding:22px;text-align:center}
.calc .out b{display:block;font-family:var(--font-head);font-size:2.3rem;color:var(--gold-400)}
.calc .out small{color:#b8c9e3}

/* Forms / contact */
.form{display:grid;gap:16px}
.form label{font-weight:600;font-size:.88rem;color:var(--navy-800);display:block;margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.form .two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.contact-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:var(--shadow)}
.info-list{list-style:none}
.info-list li{display:flex;gap:16px;padding:16px 0;border-bottom:1px solid var(--line)}
.info-list li:last-child{border:0}
.info-list .ico{flex:0 0 46px;height:46px;border-radius:12px;background:var(--sky-100);color:var(--blue-600);display:grid;place-items:center}
.info-list .ico svg{width:22px;height:22px}
.info-list b{display:block;color:var(--navy-800)}
.map-frame{width:100%;height:100%;min-height:300px;border:0;border-radius:var(--radius)}

/* Footer */
.site-footer{background:var(--navy-900);color:#b8c9e3;font-size:.94rem}
.badges{background:#fff;border-bottom:1px solid var(--line)}
.badges .container{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;align-items:center;padding:26px 0}
.badges a{border:1px solid var(--line);border-radius:12px;padding:10px 20px;font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:var(--navy-800);display:flex;align-items:center;gap:10px;background:var(--sky-50)}
.badges a:hover{border-color:var(--blue-600);color:var(--blue-600)}
.badges svg{width:20px;height:20px}
.foot-main{display:grid;grid-template-columns:1.3fr .8fr .9fr 1.1fr;gap:44px;padding:70px 0 44px}
.site-footer h4{color:#fff;font-family:var(--font-body);font-size:.82rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:18px}
.site-footer a{color:#cfe0f7}
.site-footer a:hover{color:var(--gold-400)}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:9px}
.foot-logo img{height:46px;margin-bottom:18px}
.foot-contact p{margin-bottom:8px}
.foot-contact b{color:#fff}
.social{display:flex;gap:12px;margin-top:16px}
.social a{width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center}
.social a:hover{background:var(--gold-500)}
.social svg{width:20px;height:20px;fill:#fff}
.ehl{display:flex;align-items:center;gap:12px;margin-top:20px;color:#fff;font-weight:600;font-size:.82rem;line-height:1.3}
.ehl svg{width:46px;height:46px;flex:0 0 46px}
.foot-map iframe{width:100%;height:220px;border:0;border-radius:12px;filter:saturate(.9)}
.offices{border-top:1px solid rgba(255,255,255,.1);padding:34px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:34px;font-size:.9rem}
.offices b{color:#fff;display:block;margin-bottom:4px}
.legal{border-top:1px solid rgba(255,255,255,.1);padding:30px 0;font-size:.8rem;line-height:1.75;color:#93a8c8}
.legal p{margin-bottom:12px}
.copy{background:#041024;padding:20px 0;font-size:.84rem}
.copy .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}
.copy ul{display:flex;gap:22px;flex-wrap:wrap}
.copy li{margin:0}

/* Responsive */
@media (max-width:1020px){
  .burger{display:block}
  .nav{position:fixed;inset:82px 0 0 0;background:var(--navy-800);flex-direction:column;align-items:stretch;padding:20px 6% 40px;overflow-y:auto;transform:translateX(100%);transition:.3s;gap:0}
  .nav.open{transform:none}
  .nav > ul{flex-direction:column;align-items:stretch;gap:0}
  .nav a.nl,.nav button.nl{padding:16px 4px;border-bottom:1px solid rgba(255,255,255,.1);width:100%;text-align:left}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:transparent;padding:0 0 0 14px;display:none;border:0;min-width:0}
  .has-dd.open .dropdown{display:block}
  .dropdown a{color:#cfe0f7;padding:12px 6px}
  .dropdown a:hover{background:transparent;color:var(--gold-400)}
  .nav .btn{margin:22px 0 0}
  .hero .container{grid-template-columns:1fr;padding:56px 0 70px}
  .hero-card{order:-1;width:min(300px,80%)}
  .hero-card .badge{left:-8px}
  .split,.g2{grid-template-columns:1fr}
  .g3,.g4,.steps{grid-template-columns:repeat(2,1fr)}
  .foot-main{grid-template-columns:1fr 1fr}
  .offices{grid-template-columns:1fr}
  .strip .container{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:640px){
  body{font-size:16px}
  section.block{padding:60px 0}
  .g3,.g4,.steps,.foot-main,.calc .fields,.form .two{grid-template-columns:1fr}
  .topbar .tb-right{gap:12px}
  .topbar .nmls{display:none}
}

/* Adjustments */
.about-photo{max-width:380px;justify-self:center;aspect-ratio:1;object-fit:cover}
.ehl img{height:90px;width:auto}
.offices{grid-template-columns:repeat(2,1fr)}
@media (max-width:1020px){.offices{grid-template-columns:1fr}}