:root{
  --ink:#355f63;
  --charcoal:#557f82;
  --muted:#66717d;
  --teal:#58aeb1;
  --teal2:#dff4f4;
  --bronze:#b28a5c;
  --stone:#eee9e2;
  --paper:#fbfaf7;
  --white:#fff;
  --line:rgba(17,24,32,.12);
  --shadow:0 28px 80px rgba(17,24,32,.14);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,Arial,sans-serif;background:var(--paper);color:var(--ink);line-height:1.7}
h1,h2,h3{font-family:Manrope,Inter,sans-serif;line-height:1.05;color:var(--ink)}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,92%);margin:auto}
.layout-shell{display:grid;grid-template-columns:290px 1fr;min-height:100vh}
.sidebar{
  position:sticky;top:0;height:100vh;background:#5f8f92;color:#fdfdfd;
  padding:30px 24px;display:flex;flex-direction:column;justify-content:space-between;z-index:50
}
.logo img{width:240px;background:#fff;border-radius:50px;padding:10px}
.navlinks{display:grid;gap:9px;margin-top:34px}
.navlinks a{padding:12px 14px;border-radius:14px;color:#dce3ea;font-weight:700;font-size:14px}
.navlinks a:hover,.navlinks .active{background:rgba(88,174,177,.18);color:#fff}
.dropdown-title{padding:12px 14px;color:#fdfdfd;font-weight:800;border-radius:14px;background:rgba(255,255,255,.14);margin-top:8px}
.drop-small{display:grid;gap:2px;margin-left:10px;margin-top:5px}
.drop-small a{font-size:13px;padding:8px 12px;color:#bac5d1}
.side-contact{font-size:13px;color:#c7d1dc;border-top:1px solid rgba(255,255,255,.12);padding-top:18px}
.mobilebar{display:none;background:#5f8f92;color:#fdfdfd;padding:14px 4%;align-items:center;justify-content:space-between}
.mobilebar img{height:44px;background:#fff;border-radius:12px;padding:5px}
.mobilebar button{background:var(--teal);color:#fdfdfd;border:0;border-radius:10px;padding:10px 12px;font-size:20px}
.content{min-width:0}
.hero-editorial{min-height:760px;display:grid;grid-template-columns:1.05fr .95fr;background:#fff}
.hero-copy{padding:85px 8vw 70px 7vw;display:flex;flex-direction:column;justify-content:center}
.eyebrow{display:inline-flex;width:max-content;background:#eef7f7;color:#2a898d;border-radius:999px;padding:8px 14px;font-weight:900;font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:24px}
.hero-copy h1{font-size:clamp(46px,6vw,84px);letter-spacing:-.065em;margin-bottom:24px}
.hero-copy p{font-size:19px;color:var(--muted);max-width:660px;margin-bottom:28px}
.hero-image{position:relative;background:linear-gradient(rgba(17,24,32,.08),rgba(17,24,32,.34)),url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?q=80&w=1600&auto=format&fit=crop') center/cover}
.hero-image:after{content:"Mortgage Advisory";position:absolute;right:30px;bottom:30px;background:rgba(255,255,255,.88);backdrop-filter:blur(12px);border-radius:24px;padding:24px;font-family:Manrope;font-size:28px;font-weight:800;color:var(--ink);box-shadow:var(--shadow)}
.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:0;padding:15px 24px;font-weight:900;letter-spacing:.01em}
.primary{background:#5f8f92;color:#fff}.secondary{background:#fff;color:var(--ink);border:1px solid var(--line)}
section{padding:86px 7vw}
.section-title{display:grid;grid-template-columns:.95fr 1fr;gap:50px;margin-bottom:38px;align-items:end}
.section-title h2{font-size:clamp(34px,4vw,58px);letter-spacing:-.05em}
.section-title p{color:var(--muted);font-size:17px}
.mission-strip{background:#5f8f92;color:#fdfdfd;padding:46px 7vw;display:grid;grid-template-columns:.7fr 1.3fr;gap:38px;align-items:center}
.mission-strip h3{color:#fdfdfd;font-size:28px}
.mission-strip p{font-size:25px;line-height:1.35;color:#d9e2ea;font-family:Manrope}
.service-board{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.service-tile{background:#fff;padding:34px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:230px;transition:.25s}
.service-tile:hover{background:#eef7f7}
.service-tile span{font-weight:900;color:var(--bronze);font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.service-tile h3{font-size:28px;margin:12px 0}
.service-tile p{color:var(--muted)}
.split-feature{display:grid;grid-template-columns:.9fr 1.1fr;gap:0;background:#fff;border:1px solid var(--line)}
.feature-img{min-height:520px;background:url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?q=80&w=1500&auto=format&fit=crop') center/cover}
.feature-text{padding:58px;display:flex;flex-direction:column;justify-content:center}
.feature-text h2{font-size:48px;letter-spacing:-.04em;margin-bottom:20px}
.feature-text p{color:var(--muted);margin-bottom:16px}
.insight-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:22px}
.feature-insight{background:linear-gradient(rgba(17,24,32,.25),rgba(17,24,32,.8)),url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?q=80&w=1500&auto=format&fit=crop') center/cover;color:#fdfdfd;min-height:430px;padding:36px;display:flex;flex-direction:column;justify-content:end}
.feature-insight h3{color:#fdfdfd;font-size:42px;letter-spacing:-.04em}
.insight-list{display:grid;gap:18px}
.insight-card{background:#fff;border:1px solid var(--line);padding:26px}
.insight-card small{color:var(--teal);font-weight:900;text-transform:uppercase;letter-spacing:.08em}
.insight-card h3{font-size:22px;margin-top:8px}
.page-hero{background:var(--white);padding:76px 7vw;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(42px,5vw,74px);letter-spacing:-.06em;margin-bottom:16px;max-width:900px}
.page-hero p{max-width:840px;color:var(--muted);font-size:18px}
.content-grid{display:grid;grid-template-columns:300px 1fr;gap:42px}
.page-index{position:sticky;top:35px;align-self:start;background:#fff;border:1px solid var(--line);padding:22px}
.page-index h3{font-size:18px;margin-bottom:12px}.page-index a{display:block;color:var(--muted);padding:8px 0;border-bottom:1px solid var(--line)}
.copy-card{background:#fff;border:1px solid var(--line);padding:42px}.copy-card h2{font-size:42px;margin-bottom:18px}.copy-card p{color:var(--muted);margin-bottom:16px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line);margin-top:35px}
.step{background:#fff;padding:25px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.step b{color:var(--teal);font-size:28px}.step h3{font-size:19px;margin:10px 0}.step p{color:var(--muted);font-size:14px}
.calc-card{background:#fff;border:1px solid var(--line);padding:34px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.field{display:grid;gap:7px}.full{grid-column:1/-1}
label{font-size:13px;font-weight:900;color:var(--ink)}
input,select,textarea{width:100%;padding:14px;border:1px solid var(--line);font:inherit;background:#fff}
textarea{min-height:130px}
.result{background:#eef7f7;padding:18px;margin-top:18px}.result b{display:block;color:#2a898d;font-size:26px}
.contact-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:0;background:#fff;border:1px solid var(--line)}
.contact-info{background:#5f8f92;color:#fdfdfd;padding:42px}.contact-info h3{color:#fdfdfd;font-size:34px;margin-bottom:18px}.contact-info p,.contact-info a{color:#d7e0e8}
.contact-form{padding:42px}
footer{background:#557f82;color:#c8d2dc;padding:30px 7vw;font-size:14px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
@media(max-width:1100px){
 .layout-shell{display:block}.sidebar{display:none}.mobilebar{display:flex;position:sticky;top:0;z-index:99}.sidebar.open{display:flex;position:fixed;inset:72px 0 auto 0;height:calc(100vh - 72px);overflow:auto}
 .hero-editorial{grid-template-columns:1fr}.hero-image{min-height:430px}.content-grid,.section-title,.mission-strip,.split-feature,.insight-grid,.contact-wrap{grid-template-columns:1fr}.steps{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:680px){
 section{padding:64px 5vw}.page-hero{padding:62px 5vw}.hero-copy{padding:65px 5vw}.service-board{grid-template-columns:1fr}.steps,.form-grid{grid-template-columns:1fr}.feature-text,.contact-info,.contact-form,.copy-card{padding:28px}.hero-copy h1{font-size:44px}
}


/* FONT READABILITY FIXES */
body{
  font-size:16px;
  color:#2f4345;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
.hero-copy p,
.page-hero p,
.copy-card p,
.service-tile p,
.insight-card p,
.feature-text p{
  color:#4e6164 !important;
  font-size:18px;
  line-height:1.9;
  font-weight:500;
}
.hero-copy h1,
.page-hero h1,
.section-title h2,
.feature-text h2{
  color:#234447 !important;
  font-weight:800;
}
.service-tile h3,
.copy-card h2,
.insight-card h3{
  color:#2f5357;
}

/* SPECIAL CALCULATOR BUTTON */
.calc-highlight{
  background:linear-gradient(135deg,#58aeb1,#6fc7ca);
  color:#fff !important;
  border-radius:999px;
  padding:14px 22px !important;
  box-shadow:0 18px 40px rgba(88,174,177,.35);
  position:relative;
  overflow:hidden;
}

.calc-highlight:before{
  content:"🧮";
  margin-right:8px;
}

.calc-highlight:hover{
  transform:translateY(-2px);
  background:linear-gradient(135deg,#4ca3a6,#63bcc0);
}


/* ===== PREMIUM DARK REFINEMENT ===== */

body{
    background:#1c2427 !important;
    color:#f3f3f3 !important;
}

/* leather style premium dark texture */
.content{
    background:
      linear-gradient(rgba(0,0,0,.18),rgba(0,0,0,.18)),
      repeating-linear-gradient(
        45deg,
        rgba(255,255,255,.015),
        rgba(255,255,255,.015) 2px,
        rgba(0,0,0,.02) 2px,
        rgba(0,0,0,.02) 4px
      ),
      #202a2d;
}

.hero-editorial,
.page-hero,
.copy-card,
.calc-card,
.contact-form,
.insight-card,
.service-tile,
.step{
    background:#263236 !important;
    border-color:rgba(255,255,255,.08) !important;
}

.feature-text,
.contact-info{
    background:#314145 !important;
}

.page-index{
    background:#243034 !important;
    border-color:rgba(255,255,255,.08) !important;
}

.sidebar{
    background:#141b1e !important;
}

footer{
    background:#101517 !important;
    color:#d8e0e1 !important;
}

/* readable text */
body,
.hero-copy p,
.page-hero p,
.copy-card p,
.service-tile p,
.insight-card p,
.feature-text p,
.step p,
.page-index a{
    color:#dbe4e5 !important;
    font-weight:500 !important;
}

.hero-copy h1,
.page-hero h1,
.section-title h2,
.feature-text h2,
.copy-card h2,
.service-tile h3,
.insight-card h3,
.step h3,
.contact-info h3{
    color:#ffffff !important;
    font-weight:800 !important;
}

/* cleaner paragraphs */
p{
    line-height:1.95 !important;
    letter-spacing:.01em;
}

/* stronger contrast */
.eyebrow{
    background:#58aeb1 !important;
    color:#fff !important;
}

.mission-strip{
    background:#12181b !important;
}

.mission-strip p{
    color:#ffffff !important;
}

/* premium cards */
.service-tile:hover,
.insight-card:hover{
    background:#314145 !important;
    transform:translateY(-3px);
    transition:.25s ease;
}

/* inputs */
input,select,textarea{
    background:#1e272a !important;
    border-color:rgba(255,255,255,.08) !important;
    color:#fff !important;
}

label{
    color:#fff !important;
}

/* calculator button premium */
.calc-highlight{
    background:linear-gradient(135deg,#58aeb1,#7fd0d2) !important;
    color:#fff !important;
    font-weight:800 !important;
    border:none !important;
}

.calc-highlight:hover{
    background:linear-gradient(135deg,#4ea3a6,#69c2c5) !important;
}

/* buttons */
.primary{
    background:#58aeb1 !important;
}

.secondary{
    background:#314145 !important;
    border:1px solid rgba(255,255,255,.08) !important;
    color:#fff !important;
}


/* ===== OPTION 1 COLOR THEME APPLIED ===== */

body{
    background:#f8f4ee !important;
    color:#3f4548 !important;
}

.content{
    background:
      radial-gradient(circle at top right, rgba(88,174,177,.08), transparent 28%),
      linear-gradient(#f8f4ee,#f3efe8) !important;
}

.sidebar{
    background:#4f7d80 !important;
}

footer{
    background:#4f7d80 !important;
    color:#ffffff !important;
}

.hero-editorial,
.page-hero,
.copy-card,
.calc-card,
.contact-form,
.insight-card,
.service-tile,
.step,
.page-index{
    background:#fffdfa !important;
    border-color:rgba(79,125,128,.12) !important;
}

.feature-text{
    background:#fff8f2 !important;
}

.contact-info{
    background:#5b8e92 !important;
}

.hero-copy p,
.page-hero p,
.copy-card p,
.service-tile p,
.insight-card p,
.feature-text p,
.step p,
.page-index a{
    color:#5d676c !important;
    font-weight:500 !important;
}

.hero-copy h1,
.page-hero h1,
.section-title h2,
.feature-text h2,
.copy-card h2,
.service-tile h3,
.insight-card h3,
.step h3{
    color:#244446 !important;
}

.mission-strip{
    background:#5b8e92 !important;
}

.mission-strip p,
.mission-strip h3{
    color:#ffffff !important;
}

.service-tile:hover,
.insight-card:hover{
    background:#eef7f7 !important;
}

.secondary{
    background:#ffffff !important;
    color:#244446 !important;
    border:1px solid rgba(79,125,128,.18) !important;
}

.primary{
    background:#58aeb1 !important;
    color:#ffffff !important;
}

.calc-highlight{
    background:linear-gradient(135deg,#58aeb1,#82ced0) !important;
}

.eyebrow{
    background:#eef8f8 !important;
    color:#3f8f92 !important;
}

input,select,textarea{
    background:#ffffff !important;
    color:#244446 !important;
    border-color:rgba(79,125,128,.14) !important;
}

label{
    color:#244446 !important;
}

.navlinks a{
    color:#edf5f5 !important;
}

.navlinks .active,
.navlinks a:hover{
    background:rgba(255,255,255,.12) !important;
}

.dropdown-title{
    background:rgba(255,255,255,.1) !important;
}

.drop-small a{
    color:#dce7e8 !important;
}


/* ===== COLLAPSIBLE SERVICE MENU FIX ===== */
.dropdown-title{
    cursor:pointer;
    display:flex;
    align-items:center;
    justify-content:space-between;
}

.dropdown-title::after{
    content:"＋";
    font-weight:900;
    font-size:18px;
}

.dropdown-title.open::after{
    content:"－";
}

.drop-small{
    display:none !important;
    margin-top:8px;
}

.drop-small.open{
    display:grid !important;
}

.sidebar .navlinks{
    gap:10px;
}

/* prevent duplicated looking menu blocks */
.dropdown-title{
    margin-top:4px !important;
}



/* ===== FINAL MENU CLEANUP ===== */

.dropdown-title{
    cursor:pointer;
    display:flex;
    align-items:center;
    justify-content:space-between;
}

.dropdown-title::after{
    content:"＋";
    font-size:18px;
    font-weight:900;
}

.dropdown-title.open::after{
    content:"－";
}

.drop-small{
    display:none !important;
    margin-left:10px;
    margin-top:8px;
}

.drop-small.open{
    display:grid !important;
}



/* ===== LOGO SHAPE REFINEMENT ===== */

.logo img,
.mobilebar img{
    background:#ffffff !important;
    padding:10px 18px 10px 10px !important;
    border-radius:999px 0 0 999px !important;
    box-shadow:0 10px 25px rgba(0,0,0,.08);
}