/* Xanadu Home Loans — site styles */
:root{
  --navy:#0b1f3a;
  --navy-2:#122a4d;
  --gold:#e2b53a;
  --gold-2:#f2c94c;
  --cream:#faf6ee;
  --ink:#1a1a1a;
  --muted:#5b6472;
  --line:#e7e2d5;
  --white:#ffffff;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,31,58,.12);
  --shadow-lg:0 20px 60px rgba(11,31,58,.18);
  --container:1180px;
  --font-head:'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font-body);color:var(--ink);
  background:var(--cream);line-height:1.65;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--navy);text-decoration:none;transition:color .2s ease}
a:hover{color:var(--gold)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.2rem,4.5vw,3.6rem);font-weight:700;letter-spacing:-.01em}
h2{font-size:clamp(1.75rem,3vw,2.5rem);font-weight:700}
h3{font-size:1.35rem;font-weight:600}
p{margin:0 0 1rem}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold);font-weight:600;margin-bottom:14px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:999px;
  font-weight:600;font-size:.95rem;transition:transform .2s ease,box-shadow .2s ease,background .2s ease;
  border:0;cursor:pointer;font-family:var(--font-body)}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-2);transform:translateY(-2px);box-shadow:var(--shadow);color:var(--navy)}
.btn-outline{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.7)}
.btn-outline:hover{background:var(--white);color:var(--navy)}
.btn-dark{background:var(--navy);color:var(--white)}
.btn-dark:hover{background:var(--navy-2);transform:translateY(-2px);color:var(--white)}

/* Top bar */
.topbar{background:var(--navy);color:#c8d3e6;font-size:.82rem;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.topbar a{color:#c8d3e6}
.topbar a:hover{color:var(--gold)}

/* Nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(250,246,238,.92);
  backdrop-filter:saturate(160%) blur(10px);
  -webkit-backdrop-filter:saturate(160%) blur(10px);
  border-bottom:1px solid var(--line)}
.nav-row{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;font-family:var(--font-head);
  font-weight:700;font-size:1.25rem;color:var(--navy)}
.brand img{width:40px;height:40px}
.brand span small{display:block;font-family:var(--font-body);font-size:.68rem;letter-spacing:.2em;
  text-transform:uppercase;color:var(--muted);font-weight:500}
.nav-links{display:flex;gap:6px;align-items:center}
.nav-links a{padding:10px 14px;border-radius:8px;font-size:.94rem;font-weight:500;color:var(--navy)}
.nav-links a:hover,.nav-links a.active{background:rgba(11,31,58,.06);color:var(--navy)}
.nav-cta{margin-left:8px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

@media (max-width:900px){
  .nav-links{position:absolute;top:100%;left:0;right:0;background:var(--cream);
    flex-direction:column;align-items:stretch;padding:12px 24px 20px;gap:2px;
    border-bottom:1px solid var(--line);transform:translateY(-10px);opacity:0;pointer-events:none;
    transition:.25s}
  .nav-links.open{transform:translateY(0);opacity:1;pointer-events:auto}
  .burger{display:block}
  .nav-cta{margin:8px 0 0}
}

/* Hero */
.hero{position:relative;color:#fff;overflow:hidden;isolation:isolate}
.hero .bg{position:absolute;inset:0;z-index:-2;background:#0b1f3a center/cover no-repeat}
.hero:after{content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(120deg,rgba(11,31,58,.85) 0%,rgba(11,31,58,.6) 60%,rgba(11,31,58,.4) 100%)}
.hero-inner{padding:110px 0 130px;max-width:720px}
.hero h1{color:#fff}
.hero p.lead{font-size:1.15rem;color:#dfe6f0;max-width:600px}
.hero-cta{display:flex;gap:14px;margin-top:28px;flex-wrap:wrap}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:56px;max-width:640px}
.hero-stats div{border-left:2px solid var(--gold);padding-left:14px}
.hero-stats strong{display:block;font-family:var(--font-head);font-size:1.9rem;color:#fff}
.hero-stats span{font-size:.82rem;color:#c8d3e6;letter-spacing:.05em}

/* Sections */
section{padding:88px 0}
.section-head{text-align:center;max-width:720px;margin:0 auto 56px}
.section-head p{color:var(--muted)}

/* Feature grid */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media (max-width:900px){
  .grid-3,.grid-4,.grid-2{grid-template-columns:1fr}
}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.card .icon{width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-2));
  color:var(--gold);display:grid;place-items:center;margin-bottom:18px;font-size:24px}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.95rem;margin:0}

/* Split section */
.split-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lg);position:relative}
.split-img:before{content:"";position:absolute;inset:auto -30px -30px auto;width:160px;height:160px;
  background:var(--gold);border-radius:50%;z-index:-1;opacity:.5;filter:blur(10px)}
.check-list{list-style:none;padding:0;margin:20px 0 0}
.check-list li{padding:10px 0 10px 34px;position:relative;color:var(--ink)}
.check-list li:before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;
  border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;
  font-weight:700;font-size:.85rem}

/* Numbered process */
.process{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:900px){.process{grid-template-columns:1fr}}
.step{background:#fff;padding:28px;border-radius:var(--radius);border:1px solid var(--line);position:relative}
.step:before{counter-increment:step;content:"0" counter(step);position:absolute;top:-18px;left:24px;
  font-family:var(--font-head);font-size:1.8rem;color:var(--gold);background:var(--cream);padding:0 8px}

/* Testimonials */
.testimonials{background:var(--navy);color:#e6ecf6}
.testimonials h2{color:#fff}
.t-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);
  padding:30px;border-radius:var(--radius);backdrop-filter:blur(6px)}
.t-card p{color:#d9e0ee;font-style:italic}
.t-card .who{margin-top:16px;display:flex;align-items:center;gap:12px}
.t-card .who .avatar{width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);
  display:grid;place-items:center;font-weight:700}
.t-card .who strong{color:#fff;display:block}
.t-card .who small{color:#a9b6cf}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:10px}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;text-align:center;padding:70px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#c8d3e6;max-width:620px;margin:0 auto 26px}

/* Footer */
footer{background:#08172d;color:#a9b6cf;padding:70px 0 24px;font-size:.92rem}
footer h4{color:#fff;font-family:var(--font-body);font-size:.9rem;letter-spacing:.14em;
  text-transform:uppercase;margin-bottom:18px}
footer a{color:#a9b6cf}
footer a:hover{color:var(--gold)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);margin-top:40px;padding-top:20px;
  display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem}
.legal-note{color:#7d8aa5;font-size:.8rem;margin-top:16px;line-height:1.6}

/* Forms */
.form{background:#fff;padding:36px;border-radius:var(--radius);box-shadow:var(--shadow)}
.form label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.form input,.form select,.form textarea{
  width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;
  font-family:inherit;font-size:.95rem;background:#fdfcf8;transition:border .2s,box-shadow .2s}
.form input:focus,.form select:focus,.form textarea:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(226,181,58,.2)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:14px}
@media (max-width:600px){.form .row{grid-template-columns:1fr}}
.form .field{margin-bottom:14px}

/* Page hero (inner pages) */
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;padding:80px 0 60px}
.page-hero h1{color:#fff;margin-bottom:10px}
.page-hero .crumbs{color:#c8d3e6;font-size:.85rem}
.page-hero .crumbs a{color:var(--gold)}

/* Article / legal */
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:2em}
.prose h3{margin-top:1.6em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}

/* Contact grid */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:40px}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.info-card{background:#fff;padding:26px;border-radius:var(--radius);border:1px solid var(--line);
  margin-bottom:16px;display:flex;gap:16px;align-items:flex-start}
.info-card .ico{width:44px;height:44px;border-radius:10px;background:var(--navy);color:var(--gold);
  display:grid;place-items:center;flex-shrink:0}
.info-card h4{margin:0 0 4px;font-family:var(--font-head);font-size:1.05rem;color:var(--navy)}
.info-card p{margin:0;color:var(--muted);font-size:.92rem}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;
  margin-bottom:12px;transition:.2s}
.faq details[open]{box-shadow:var(--shadow);border-color:var(--gold)}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none;
  display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:1.4rem;color:var(--gold);transition:.2s}
.faq details[open] summary:after{transform:rotate(45deg)}
.faq details p{margin-top:12px;color:var(--muted)}

/* Cookie banner */
.cookie{position:fixed;left:20px;right:20px;bottom:20px;background:#fff;
  border-radius:16px;box-shadow:var(--shadow-lg);padding:20px 24px;
  display:flex;gap:20px;align-items:center;z-index:100;
  transform:translateY(200%);transition:transform .5s cubic-bezier(.2,.9,.3,1.2);max-width:960px;margin:0 auto}
.cookie.show{transform:translateY(0)}
.cookie p{margin:0;font-size:.9rem;color:var(--muted);flex:1}
.cookie strong{color:var(--navy)}
.cookie .actions{display:flex;gap:10px;flex-shrink:0}
.cookie button{padding:10px 18px;border-radius:999px;border:0;cursor:pointer;font-weight:600;
  font-size:.85rem;font-family:inherit}
.cookie .accept{background:var(--navy);color:#fff}
.cookie .accept:hover{background:var(--gold);color:var(--navy)}
.cookie .decline{background:transparent;color:var(--muted);border:1px solid var(--line)}
@media (max-width:640px){.cookie{flex-direction:column;align-items:stretch;text-align:center}
  .cookie .actions{justify-content:center}
}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .8s ease,transform .8s ease}
.reveal.in{opacity:1;transform:none}

/* Utility */
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.text-center{text-align:center}
.bg-cream{background:var(--cream)}
.bg-white{background:#fff}

/* Calculator */
.calc{background:#fff;padding:36px;border-radius:var(--radius);box-shadow:var(--shadow)}
.calc .result{background:var(--navy);color:#fff;padding:22px;border-radius:12px;margin-top:20px;text-align:center}
.calc .result strong{font-family:var(--font-head);font-size:2.2rem;color:var(--gold);display:block}
.calc .result small{color:#c8d3e6}
.range-wrap input[type=range]{width:100%;accent-color:var(--gold)}

/* Loan types tabs */
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:900px){.loan-grid{grid-template-columns:1fr}}
.loan{background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);
  transition:transform .3s,box-shadow .3s}
.loan:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.loan .img{height:180px;background-size:cover;background-position:center}
.loan .body{padding:24px}
.loan .tag{display:inline-block;font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;
  color:var(--gold);font-weight:700;margin-bottom:8px}

/* Team */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:900px){.team{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.team{grid-template-columns:1fr}}
.member{background:#fff;border-radius:var(--radius);padding:26px;text-align:center;border:1px solid var(--line)}
.member .ava{width:90px;height:90px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-2));
  color:var(--navy);font-family:var(--font-head);font-size:2rem;font-weight:700;
  display:grid;place-items:center;margin:0 auto 14px}
.member h4{margin:0;color:var(--navy);font-family:var(--font-head);font-size:1.15rem}
.member small{color:var(--muted);display:block;margin-bottom:10px}
.member p{color:var(--muted);font-size:.9rem;margin:0}

/* Toast */
.toast{position:fixed;top:20px;right:20px;background:var(--navy);color:#fff;padding:14px 22px;
  border-radius:12px;box-shadow:var(--shadow-lg);opacity:0;transform:translateY(-20px);
  transition:.3s;z-index:200}
.toast.show{opacity:1;transform:none}