/* ============================================================
   INVICTA MORTGAGE GROUP — brand tokens
   Swap hex values here to match exact brand colors sitewide.
   ============================================================ */
:root{
  --navy:#16324F; --navy-deep:#0E2438;
  --brick:#A6282B; --brick-dark:#8A1F22;
  --ink:#22303C; --slate:#5A6B7A;
  --ice:#EEF3F7; --line:#D9E1E8;
  --paper:#FFFFFF; --gold:#C9A24B;
  --display:'Bitter',Georgia,serif;
  --body:'Public Sans',-apple-system,'Segoe UI',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto} *{animation:none!important;transition:none!important}}
body{font-family:var(--body);color:var(--ink);background:var(--paper);line-height:1.6;font-size:16.5px}
img{max-width:100%;height:auto}
a{color:var(--brick)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:3px solid var(--brick);outline-offset:2px;border-radius:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip-link:focus{left:12px;top:12px}

/* Keystone signature mark (Pennsylvania) */
.keystone{display:inline-block;width:16px;height:15px;background:var(--brick);
  clip-path:polygon(0% 0%,100% 0%,78% 38%,78% 100%,22% 100%,22% 38%);flex:none}
.keystone.gold{background:var(--gold)}

/* Header */
.topbar{background:var(--navy-deep);color:#DCE6EF;font-size:.82rem;padding:7px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;gap:28px;padding-top:14px;padding-bottom:14px}
.logo img{display:block;height:56px;width:auto}
nav.main{margin-left:auto}
nav.main ul{list-style:none;display:flex;gap:26px}
nav.main a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
nav.main a:hover,nav.main a[aria-current="page"]{color:var(--brick)}
.btn{display:inline-block;background:var(--brick);color:#fff;text-decoration:none;font-weight:700;
  padding:13px 26px;border:none;border-radius:4px;font-size:1rem;cursor:pointer;font-family:var(--body)}
.btn:hover{background:var(--brick-dark)}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7)}
.btn.ghost:hover{background:rgba(255,255,255,.12)}
.btn.outline{background:transparent;color:var(--brick);border:2px solid var(--brick)}
.btn.outline:hover{background:var(--brick);color:#fff}
.menu-toggle{display:none;background:none;border:2px solid var(--navy);border-radius:4px;
  color:var(--navy);font-weight:700;padding:8px 12px;cursor:pointer}

/* Hero (home) + page hero (interior) */
.hero{background:linear-gradient(120deg,var(--navy-deep) 0%,var(--navy) 62%,#1D4266 100%);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:76px;padding-bottom:76px}
.eyebrow{display:flex;align-items:center;gap:10px;text-transform:uppercase;letter-spacing:.14em;
  font-size:.78rem;font-weight:700;color:#BFD3E4;margin-bottom:18px}
.hero h1{font-family:var(--display);font-weight:700;font-size:clamp(2rem,4.4vw,3.1rem);line-height:1.14;margin-bottom:18px}
.hero h1 em{font-style:normal;color:#F0C868}
.hero p.lead{font-size:1.13rem;color:#D7E2EC;max-width:34em;margin-bottom:30px}
.hero .cta-row{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.hero .call{color:#fff;text-decoration:none;font-weight:700;font-size:1.05rem}
.hero-panel{clip-path:polygon(0% 0%,100% 0%,88% 22%,88% 100%,12% 100%,12% 22%);
  background:rgba(255,255,255,.07);padding:44px 15% 38px;text-align:center}
.hero-panel h2{font-family:var(--display);font-size:1.05rem;font-weight:600;color:#F0C868;margin-bottom:18px}
.hero-panel ul{list-style:none;text-align:left;display:grid;gap:12px;font-size:.95rem;color:#E4EDF4}
.hero-panel li{display:flex;gap:10px;align-items:baseline}
.hero-panel li .keystone{width:11px;height:10px;transform:translateY(1px)}
.page-hero{background:linear-gradient(120deg,var(--navy-deep) 0%,var(--navy) 70%);color:#fff;padding:56px 0}
.page-hero .eyebrow{color:#BFD3E4}
.page-hero h1{font-family:var(--display);font-size:clamp(1.7rem,3.6vw,2.5rem);line-height:1.16;margin-bottom:12px}
.page-hero p{color:#D7E2EC;max-width:40em;font-size:1.05rem}
.trustbar{background:#0B1D2E;color:#B9C9D8;font-size:.84rem;padding:14px 0}
.trustbar .wrap{display:flex;gap:14px 34px;flex-wrap:wrap;justify-content:center;align-items:center;text-align:center}
.trustbar strong{color:#fff;font-weight:600}

/* Sections */
section{padding:74px 0}
section.tight{padding:52px 0}
section.alt{background:var(--ice)}
.section-head{max-width:640px;margin-bottom:44px}
.section-head .eyebrow{color:var(--brick)}
h2.title{font-family:var(--display);color:var(--navy);font-size:clamp(1.5rem,3vw,2.1rem);line-height:1.2;margin-bottom:12px}
.section-head p{color:var(--slate)}

/* Cards / grids */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:28px 26px;display:flex;flex-direction:column;gap:10px}
.card h3{font-family:var(--display);color:var(--navy);font-size:1.12rem;display:flex;gap:10px;align-items:center}
.card p{font-size:.94rem;color:var(--slate);flex:1}
.card a{font-weight:700;text-decoration:none;font-size:.92rem}
.card a:hover{text-decoration:underline}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:step}
.step{background:var(--paper);border-top:4px solid var(--brick);border-radius:0 0 6px 6px;
  box-shadow:0 1px 3px rgba(14,36,56,.08);padding:26px}
.step::before{counter-increment:step;content:"Step " counter(step);display:block;
  text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;font-weight:700;color:var(--brick);margin-bottom:8px}
.step h3{font-family:var(--display);color:var(--navy);font-size:1.08rem;margin-bottom:8px}
.step p{font-size:.94rem;color:var(--slate)}

/* Prose (product & policy pages) */
.prose{max-width:760px}
.prose h2{font-family:var(--display);color:var(--navy);font-size:1.35rem;margin:38px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--display);color:var(--navy);font-size:1.08rem;margin:26px 0 8px}
.prose p{margin-bottom:14px;color:var(--ink)}
.prose ul{margin:0 0 18px 0;list-style:none;display:grid;gap:9px}
.prose ul li{display:flex;gap:11px;align-items:baseline}
.prose ul li::before{content:"";width:11px;height:10px;background:var(--brick);flex:none;transform:translateY(1px);
  clip-path:polygon(0% 0%,100% 0%,78% 38%,78% 100%,22% 100%,22% 38%)}
.note{background:var(--ice);border-left:4px solid var(--gold);padding:16px 18px;border-radius:0 4px 4px 0;
  font-size:.88rem;color:var(--slate);margin:22px 0}
.product-layout{display:grid;grid-template-columns:1fr 320px;gap:56px;align-items:start}
.sidebar{position:sticky;top:104px;display:grid;gap:18px}
.sidebar .card h3{font-size:1rem}
.sidebar .card p{font-size:.88rem}

/* Team */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.person{background:var(--paper);border:1px solid var(--line);border-radius:6px;overflow:hidden}
.person .photo{aspect-ratio:1/1;background:linear-gradient(150deg,var(--ice),#DCE6EF);display:grid;place-items:center}
.person .photo .keystone{width:34px;height:32px;opacity:.35}
.person .photo img{width:100%;height:100%;object-fit:cover;object-position:top}
.person .info{padding:20px 22px}
.person h3{font-family:var(--display);color:var(--navy);font-size:1.05rem}
.person .role{color:var(--brick);font-weight:600;font-size:.85rem;margin:2px 0 8px}
.person .meta{font-size:.85rem;color:var(--slate)}
.person .meta a{text-decoration:none}

/* Contact + forms */
.contact-layout{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.prequal{background:var(--navy);color:#fff}
.prequal .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.prequal h2{font-family:var(--display);font-size:clamp(1.5rem,3vw,2rem);margin-bottom:14px}
.prequal p{color:#CBD9E5;font-size:.98rem;margin-bottom:14px}
.privacy-note{font-size:.85rem;color:#9FB4C6;border-left:3px solid var(--gold);padding-left:14px}
form.pq{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:32px;color:var(--ink);display:grid;gap:16px}
form.pq label{font-weight:600;font-size:.88rem;color:var(--navy);display:block;margin-bottom:5px}
form.pq input,form.pq select,form.pq textarea{width:100%;padding:11px 12px;border:1.5px solid var(--line);
  border-radius:4px;font-family:var(--body);font-size:.95rem;background:#fff;color:var(--ink)}
form.pq .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;color:var(--slate);line-height:1.5}
.consent input{width:auto;margin-top:3px}
form.pq small.help{color:var(--slate);font-size:.78rem}
.info-block h3{font-family:var(--display);color:var(--navy);font-size:1.1rem;margin:20px 0 6px;display:flex;gap:10px;align-items:center}
.info-block p{color:var(--slate);font-size:.97rem}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{font-family:var(--display);font-size:clamp(1.4rem,3vw,1.9rem);margin-bottom:10px}
.cta-band p{color:#CBD9E5;margin-bottom:24px}

/* Footer */
footer{background:var(--navy-deep);color:#B7C7D6;font-size:.88rem}
.foot-main{padding:56px 0 30px}
.foot-main .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:38px}
footer h4{color:#fff;font-family:var(--display);font-size:.98rem;margin-bottom:14px;display:flex;gap:9px;align-items:center}
footer ul{list-style:none;display:grid;gap:8px}
footer a{color:#DDE7EF;text-decoration:none}
footer a:hover{text-decoration:underline}
.badges{display:flex;gap:14px;align-items:center;margin-top:14px;flex-wrap:wrap}
.ehl{width:44px;height:44px;border:2px solid #DDE7EF;border-radius:3px;display:grid;place-items:center;
  font-weight:800;font-size:.6rem;line-height:1.15;text-align:center;color:#fff}
.disclosures{border-top:1px solid rgba(255,255,255,.14);padding:26px 0 34px;font-size:.78rem;line-height:1.7;color:#8FA5B8}
.disclosures p{margin-bottom:10px;max-width:75em}
.disclosures a{color:#B7C7D6}

/* Responsive */
@media (max-width:920px){
  .hero .wrap,.prequal .wrap,.contact-layout,.product-layout{grid-template-columns:1fr}
  .sidebar{position:static}
  .grid,.grid.two,.steps,.team-grid{grid-template-columns:1fr 1fr}
  .foot-main .wrap{grid-template-columns:1fr 1fr}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);
    border-bottom:1px solid var(--line);padding:12px 24px 20px}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;gap:14px}
  .menu-toggle{display:block;margin-left:auto}
  header.site .btn{display:none}
}
@media (max-width:600px){
  .grid,.grid.two,.steps,.team-grid,.foot-main .wrap{grid-template-columns:1fr}
  .hero .wrap{padding-top:52px;padding-bottom:52px}
  .hero-panel{padding:36px 10% 30px}
}