/* Xanadu Mortgage Advisors - Chicago, IL */
:root{
  --navy:#0d1b3d;
  --navy-2:#122654;
  --gold:#c9a24a;
  --gold-2:#e6c274;
  --cream:#f6f1e7;
  --ink:#1a1a1a;
  --muted:#5b6472;
  --line:#e6e2d6;
  --white:#ffffff;
  --shadow:0 20px 60px rgba(13,27,61,.12);
  --radius:14px;
  --container:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  color:var(--ink);background:var(--cream);
  line-height:1.65;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;color:var(--navy);line-height:1.2;font-weight:700}
h1{font-size:clamp(2.2rem,4.6vw,3.8rem);letter-spacing:-.5px}
h2{font-size:clamp(1.7rem,3vw,2.5rem);margin-bottom:.6em}
h3{font-size:1.25rem;margin-bottom:.4em}
p{color:#334}
a{color:var(--navy);text-decoration:none;transition:color .2s}
a:hover{color:var(--gold)}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}
img{max-width:100%;display:block}

/* Top bar */
.topbar{background:var(--navy);color:#dfe4f1;font-size:.85rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding:10px 24px;flex-wrap:wrap;gap:8px}
.topbar a{color:#dfe4f1}
.topbar a:hover{color:var(--gold-2)}
.topbar .divider{opacity:.4;margin:0 8px}

/* Header */
.site-header{
  position:sticky;top:0;z-index:50;background:rgba(246,241,231,.92);
  backdrop-filter:saturate(140%) blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0}
.brand{display:flex;align-items:center;gap:12px;font-family:'Playfair Display',serif;font-weight:700;color:var(--navy);font-size:1.35rem}
.brand img{height:38px;width:38px}
.brand small{display:block;font-family:'Inter',sans-serif;font-weight:500;color:var(--muted);font-size:.7rem;letter-spacing:2px;text-transform:uppercase}
.menu{display:flex;gap:28px;align-items:center}
.menu a{font-weight:500;font-size:.95rem;position:relative}
.menu a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--gold);transition:width .3s}
.menu a:hover::after,.menu a.active::after{width:100%}
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:12px 22px;border-radius:999px;font-weight:600;
  background:var(--navy);color:#fff;border:1px solid var(--navy);
  transition:transform .2s ease, box-shadow .2s ease, background .2s;
  cursor:pointer;font-size:.95rem;
}
.btn:hover{transform:translateY(-2px);background:var(--navy-2);color:#fff;box-shadow:0 12px 30px rgba(13,27,61,.25)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#1a1300}
.btn.gold:hover{background:var(--gold-2);border-color:var(--gold-2);color:#1a1300}
.burger{display:none;background:none;border:0;cursor:pointer;padding:6px}
.burger span{display:block;width:26px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}

/* Hero */
.hero{
  position:relative;overflow:hidden;color:#fff;
  background:linear-gradient(135deg,rgba(13,27,61,.85),rgba(13,27,61,.55)),url('hero.jpg') center/cover no-repeat;
  padding:110px 0 130px;
}
.hero .container{position:relative;z-index:2;max-width:900px}
.hero .kicker{display:inline-block;padding:6px 14px;border:1px solid rgba(255,255,255,.35);border-radius:999px;font-size:.8rem;letter-spacing:2px;text-transform:uppercase;margin-bottom:22px}
.hero h1{color:#fff;margin-bottom:18px}
.hero h1 em{color:var(--gold-2);font-style:normal}
.hero p.lead{font-size:1.15rem;color:#e8ecf5;max-width:640px;margin-bottom:32px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap}
.hero .stats{margin-top:60px;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.hero .stats div{border-top:1px solid rgba(255,255,255,.2);padding-top:14px}
.hero .stats strong{display:block;font-family:'Playfair Display',serif;font-size:2rem;color:var(--gold-2)}
.hero .stats span{font-size:.8rem;text-transform:uppercase;letter-spacing:1.5px;color:#cfd6e6}

/* Reveal animations */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .8s ease, transform .8s ease}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}.reveal.d4{transition-delay:.32s}

/* Sections */
section{padding:90px 0}
.section-eyebrow{display:inline-block;font-size:.78rem;letter-spacing:3px;text-transform:uppercase;color:var(--gold);font-weight:600;margin-bottom:12px}
.section-head{max-width:760px;margin-bottom:50px}
.section-head p{color:var(--muted);font-size:1.05rem}

/* Value grid */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px;transition:transform .3s ease, box-shadow .3s ease, border-color .3s;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card .icon{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-2));display:grid;place-items:center;color:var(--gold-2);margin-bottom:18px;font-size:1.35rem}
.card h3{margin-bottom:10px}
.card p{color:var(--muted);font-size:.97rem}

/* Split section */
.split-img{
  border-radius:var(--radius);overflow:hidden;position:relative;box-shadow:var(--shadow);
}
.split-img img{width:100%;height:100%;object-fit:cover;transition:transform .8s ease}
.split-img:hover img{transform:scale(1.04)}
.checklist{list-style:none;margin-top:20px}
.checklist li{padding:10px 0 10px 34px;position:relative;color:#2a2a2a}
.checklist li::before{
  content:"";position:absolute;left:0;top:14px;width:22px;height:22px;border-radius:50%;
  background:var(--gold);
  background-image:linear-gradient(135deg,var(--gold),var(--gold-2));
}
.checklist li::after{
  content:"";position:absolute;left:7px;top:19px;width:8px;height:12px;border:solid #1a1300;border-width:0 2px 2px 0;transform:rotate(45deg);
}

/* Process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
.step{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);position:relative;overflow:hidden}
.step::before{
  counter-increment:step;content:"0" counter(step);
  position:absolute;right:-10px;top:-30px;font-family:'Playfair Display',serif;font-size:6rem;color:rgba(13,27,61,.05);font-weight:700;
}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:.93rem}

/* Testimonials */
.testimonials{background:linear-gradient(180deg,#fff,#f6f1e7 60%)}
.tcards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.t-card{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);box-shadow:0 6px 18px rgba(13,27,61,.05)}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:10px;font-size:1.05rem}
.t-card blockquote{font-style:italic;color:#2a2a2a;margin-bottom:14px}
.t-card .who{display:flex;align-items:center;gap:12px}
.t-card .who .avatar{
  width:44px;height:44px;border-radius:50%;
  background:linear-gradient(135deg,var(--navy),var(--gold));
  display:grid;place-items:center;color:#fff;font-weight:700;
}
.t-card .who small{color:var(--muted);display:block}

/* FAQ */
.faq details{
  background:#fff;border:1px solid var(--line);border-radius:12px;
  padding:18px 22px;margin-bottom:12px;transition:box-shadow .2s;
}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:1.02rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.6rem;color:var(--gold);transition:transform .3s;font-weight:400}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq p{margin-top:12px;color:var(--muted)}

/* CTA banner */
.cta-banner{
  background:linear-gradient(135deg,var(--navy),#1e3a8a),url('chicago.jpg');
  background-blend-mode:multiply;background-size:cover;background-position:center;
  color:#fff;border-radius:20px;padding:60px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;
}
.cta-banner h2{color:#fff}
.cta-banner p{color:#dbe1f1;max-width:520px}

/* Footer */
footer{background:#0a1330;color:#c7cee0;padding:70px 0 24px;margin-top:60px}
footer h4{color:#fff;font-family:'Inter',sans-serif;font-size:.85rem;letter-spacing:2px;text-transform:uppercase;margin-bottom:16px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}
.foot-grid a{color:#c7cee0;display:block;padding:4px 0;font-size:.95rem}
.foot-grid a:hover{color:var(--gold-2)}
.foot-brand p{color:#9aa3ba;font-size:.9rem;margin-top:12px;max-width:340px}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:50px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.8rem;color:#8791ab}

/* Cookie banner */
.cookie{
  position:fixed;left:20px;right:20px;bottom:20px;z-index:100;
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;
  box-shadow:0 20px 50px rgba(0,0,0,.18);
  display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;
  transform:translateY(140%);transition:transform .5s ease;max-width:900px;margin:0 auto;
}
.cookie.show{transform:none}
.cookie p{font-size:.9rem;color:#333}
.cookie .cbtns{display:flex;gap:10px}
.cookie button{cursor:pointer;padding:10px 18px;border-radius:999px;font-weight:600;font-size:.85rem;border:1px solid var(--navy)}
.cookie .accept{background:var(--navy);color:#fff}
.cookie .decline{background:transparent;color:var(--navy)}

/* Legal pages */
.legal-page{background:#fff;padding-top:60px}
.legal-page .container{max-width:820px}
.legal-page h1{margin-bottom:14px}
.legal-page p, .legal-page li{color:#333;margin-bottom:12px}
.legal-page h2{font-size:1.5rem;margin-top:36px;margin-bottom:12px}
.legal-page ul{padding-left:22px;margin-bottom:12px}
.updated{color:var(--muted);font-size:.9rem;margin-bottom:30px;display:block}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.contact-card h3{margin-bottom:14px}
.contact-info{list-style:none}
.contact-info li{padding:10px 0;border-bottom:1px dashed var(--line);display:flex;gap:12px}
.contact-info li strong{color:var(--navy);min-width:90px}
.form-row{display:flex;flex-direction:column;margin-bottom:14px}
.form-row label{font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px}
.form-row input,.form-row textarea,.form-row select{
  padding:12px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#faf7ef;
  transition:border-color .2s,background .2s;
}
.form-row input:focus,.form-row textarea:focus,.form-row select:focus{outline:none;border-color:var(--gold);background:#fff}

/* Loan cards */
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.loan-card{background:#fff;border-radius:var(--radius);padding:32px;border:1px solid var(--line);position:relative;overflow:hidden;transition:.3s}
.loan-card::before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,var(--navy),var(--gold));opacity:0;transition:.3s;z-index:0}
.loan-card > *{position:relative;z-index:1;transition:color .3s}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.loan-card:hover::before{opacity:1}
.loan-card:hover h3,.loan-card:hover p,.loan-card:hover li{color:#fff}
.loan-card ul{list-style:none;margin-top:14px}
.loan-card li{padding:6px 0;color:var(--muted);font-size:.95rem;border-bottom:1px dashed var(--line)}
.loan-card li:last-child{border:0}

/* Calculator */
.calc{background:#fff;border-radius:var(--radius);padding:34px;border:1px solid var(--line);box-shadow:var(--shadow)}
.calc h3{margin-bottom:18px}
.calc-out{background:var(--navy);color:#fff;padding:22px;border-radius:12px;margin-top:16px;text-align:center}
.calc-out strong{font-family:'Playfair Display',serif;font-size:2rem;color:var(--gold-2);display:block}

/* Utility */
.mt-2{margin-top:24px}.center{text-align:center}
.divider-line{height:1px;background:var(--line);margin:60px 0}

/* Responsive */
@media(max-width:900px){
  .menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--cream);flex-direction:column;padding:20px;border-bottom:1px solid var(--line)}
  .menu.open{display:flex}
  .burger{display:block}
  .grid-3,.tcards,.loan-grid,.steps,.contact-grid{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr;gap:30px}
  .foot-grid{grid-template-columns:1fr 1fr}
  .hero{padding:80px 0}
  .hero .stats{grid-template-columns:repeat(2,1fr)}
  .cta-banner{padding:36px}
  section{padding:60px 0}
}
@media(max-width:520px){
  .foot-grid{grid-template-columns:1fr}
  .topbar{display:none}
}