/* =========================================================
   Consolidate Your Debt — True North Mortgage Brokers
   =========================================================
   Palette:  navy #0E1F38 / navy-deep #081326 / gold #C49A3E
             paper #EFEDE5 / ink #1C1E23 / slate #5C6673
   Type:     Fraunces (display) + Inter (body)
   Motif:    a single thin compass line, used once, as the
             signature device — not repeated as decoration.
   ========================================================= */
:root{
  --navy: #1C4A47;
  --navy-deep: #103330;
  --gold: #C1592E;
  --gold-deep: #9A4322;
  --gold-light: #E08A5F;
  --paper: #F1F0E8;
  --card: #FFFFFF;
  --ink: #1D2320;
  --slate: #5A655F;
  --line: #DAD9C9;
  --good: #3C6E52;
  --radius: 8px;
  --max: 1140px;
  --shadow: 0 1px 2px rgba(16,51,48,0.05), 0 8px 24px rgba(16,51,48,0.08);
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  background: var(--paper);
  color: var(--ink);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1,h2,h3,h4{
  font-family: 'Fraunces', Georgia, serif;
  font-optical-sizing: auto;
  color: var(--navy);
  margin: 0 0 0.4em 0;
  line-height: 1.08;
  font-weight: 560;
  letter-spacing: -0.015em;
}
p{ margin: 0 0 1em 0; color: var(--ink); }
a{ color: var(--navy); }
img{ max-width:100%; display:block; }
.container{ max-width: var(--max); margin: 0 auto; padding: 0 32px; }
.wrap-narrow{ max-width: 760px; }

:focus-visible{ outline: 3px solid var(--gold); outline-offset: 2px; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:9px;
  padding: 15px 27px;
  border-radius: var(--radius);
  font-family:'Inter', sans-serif;
  font-weight:600;
  font-size: 15.5px;
  text-decoration:none;
  border: 1.5px solid transparent;
  cursor:pointer;
  transition: transform .15s ease, background .2s ease, color .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.btn svg{ width:15px; height:15px; transition: transform .2s ease; flex-shrink:0; }
.btn:hover svg{ transform: translateX(3px); }
.btn:hover{ transform: translateY(-1px); }
.btn-primary{ background: var(--navy); color: var(--paper); border-color: var(--navy); }
.btn-primary:hover{ background: var(--navy-deep); }
.btn-outline{ background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline:hover{ background: var(--navy); color: var(--paper); }
.btn-gold{ background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-gold:hover{ background: var(--gold-light); }

/* ---------- Nav ---------- */
.site-nav{
  position: sticky; top:0; z-index: 50;
  background: rgba(239,237,229,0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-nav .container{
  display:flex; align-items:center; justify-content:space-between;
  padding-top: 18px; padding-bottom: 18px;
}
.logo{
  font-family:'Fraunces', serif;
  font-weight:600; font-size: 20px; color: var(--navy);
  text-decoration:none; display:flex; flex-direction:column; line-height:1.15;
}
.logo span{ font-family:'Inter'; font-weight:600; font-size:10.5px; color: var(--gold-deep); letter-spacing:0.08em; margin-top:3px; }
.nav-links{ display:flex; align-items:center; gap: 32px; list-style:none; margin:0; padding:0; }
.nav-links a{ text-decoration:none; color: var(--navy); font-weight:500; font-size:15px; }
.nav-links a:hover{ color: var(--gold-deep); }

/* ---------- Hero ---------- */
.hero{ padding: 84px 0 64px; position:relative; overflow:hidden; }
.hero-grid{
  display:grid; grid-template-columns: 1.05fr 0.95fr; gap: 64px; align-items:stretch;
  position:relative; z-index:1;
}
.hero-grid > div:first-child{ display:flex; flex-direction:column; justify-content:center; }
.hero-kicker{
  display:flex; align-items:center; gap:10px;
  font-family:'Inter'; font-weight:600; font-size:13.5px;
  color: var(--gold-deep); margin-bottom: 22px; letter-spacing:0.01em;
}
.hero-kicker .compass-mark{ width:18px; height:18px; flex-shrink:0; }
.hero h1{ font-size: 52px; max-width: 12ch; }
.hero-lede{ font-size: 19px; color: var(--slate); max-width: 44ch; }
.hero-actions{ display:flex; gap:16px; margin-top: 30px; flex-wrap:wrap; }
.hero-photo{
  border-radius: var(--radius);
  overflow:hidden;
  position: relative;
  min-height: 460px;
  background: var(--navy);
  box-shadow: var(--shadow);
}
.hero-photo img{ position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position: 50% 15%; }
.hero-photo::after{
  content:''; position:absolute; inset:0;
  background: linear-gradient(160deg, rgba(16,51,48,0) 55%, rgba(16,51,48,0.28) 100%);
  pointer-events:none;
}
.hero-note{ margin-top:16px; font-size:14px; color: var(--slate); }
.hero-note strong{ color: var(--navy); }

/* compass motif — the single signature device, used once in the hero */
.hero-motif{
  position:absolute; right:-120px; top:-140px; width:520px; height:520px;
  opacity:0.06; z-index:0; pointer-events:none;
}

/* ---------- Trust row ---------- */
.trust-row{ display:flex; flex-wrap:wrap; gap: 10px 28px; margin-top: 24px; }
.trust-item{ display:flex; align-items:center; gap:9px; font-size:14px; color: var(--slate); }
.trust-item svg{ width:15px; height:15px; color: var(--good); flex-shrink:0; }

.roads-illustration{ width:100%; max-width: 460px; margin: 0 auto; display:block; }
.path-section{ padding: 20px 0 84px; text-align:center; }
.path-section p{ color: var(--slate); max-width: 42ch; margin: 10px auto 0; }

/* ---------- About photo ---------- */
.about-photo{
  width: 100%; max-width: 240px;
  border-radius: var(--radius);
  overflow: hidden;
  border: 3px solid var(--card);
  box-shadow: var(--shadow);
  margin-bottom: 24px;
}
.about-photo img{ width:100%; display:block; aspect-ratio: 4/5; object-fit:cover; object-position: 50% 15%; }

/* ---------- Divider ---------- */
.motif-line{ height:1px; background: var(--line); position:relative; margin: 0; }
.motif-line::after{
  content:''; position:absolute; left:50%; top:50%; transform:translate(-50%,-50%);
  width:9px; height:9px; border-radius:50%; background: var(--gold);
}

/* ---------- Sections ---------- */
section{ padding: 84px 0; }
.section-head{ max-width: 600px; margin-bottom: 46px; }
.section-head-center{ max-width: 580px; margin: 0 auto 10px; text-align:center; }
.section-head-center .eyebrow-tag{ justify-content:center; }
.section-head-center .eyebrow-tag::before{ display:none; }
.eyebrow-tag{
  display:inline-flex; align-items:center; gap:8px;
  font-family:'Inter'; font-weight:600; font-size: 13.5px; color: var(--gold-deep);
  margin-bottom: 14px; letter-spacing:0.01em;
}
.eyebrow-tag::before{ content:''; width:22px; height:2px; background: var(--gold); display:inline-block; }
.section-head h2{ font-size: 34px; max-width: 15ch; }
.section-head p{ color: var(--slate); font-size:17px; }

.bg-navy{ background: var(--navy); color: #EDEFF3; }
.bg-navy h2, .bg-navy h3{ color: #fff; }
.bg-navy p{ color: #B9C2D2; }
.bg-navy .eyebrow-tag{ color: var(--gold-light); }
.bg-navy .eyebrow-tag::before{ background: var(--gold-light); }

/* ---------- Video ---------- */
.video-frame{
  border-radius: var(--radius);
  overflow:hidden;
  background:#000;
  border: 3px solid var(--card);
  box-shadow: 0 1px 2px rgba(16,51,48,0.05), 0 20px 40px rgba(16,51,48,0.16);
  max-width: 320px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}
.video-frame video{ width:100%; display:block; }
.video-wrap{
  position: relative;
  max-width: 320px;
  margin: 0 auto;
  padding: 26px 0;
}
.video-wrap::before{
  content:'';
  position: absolute;
  inset: 0;
  background: var(--navy);
  border-radius: calc(var(--radius) + 10px);
  transform: rotate(-3deg) scale(0.96);
  z-index: 0;
}
.video-wrap::after{
  content:'';
  position: absolute;
  inset: 0;
  border: 2px solid var(--gold);
  border-radius: calc(var(--radius) + 4px);
  transform: rotate(2deg) scale(1.03);
  z-index: 1;
  opacity: 0.55;
}

/* ---------- Cards: debt types ---------- */
.card-grid{
  display:grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
}
.debt-card{
  background: var(--card);
  border-radius: var(--radius);
  padding: 30px 24px;
  box-shadow: var(--shadow);
}
.debt-card .icon{ width:30px; height:30px; color: var(--gold-deep); margin-bottom:16px; }
.icon-badge{
  width:52px; height:52px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  margin-bottom: 18px;
}
.icon-badge svg{ width:24px; height:24px; }
.icon-badge.tone-teal{ background: #E4EEEC; color: var(--navy); }
.icon-badge.tone-rust{ background: #F7E4D9; color: var(--gold-deep); }
.debt-card h4{ font-size: 18.5px; margin-bottom: 7px; }
.debt-card p{ font-size: 15px; color: var(--slate); margin:0; }

/* ---------- Two column text ---------- */
.two-col{ display:grid; grid-template-columns: 0.85fr 1.15fr; gap: 64px; align-items:start; }
.two-col .label-col{ position: sticky; top: 110px; }
.step-list{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:28px; }
.step-list li{ display:flex; gap:20px; }
.step-list .dot{
  flex-shrink:0; width: 36px; height:36px; border-radius:50%;
  border: 1.5px solid var(--gold); color: var(--gold-deep); font-family:'Inter'; font-weight:700;
  display:flex; align-items:center; justify-content:center; font-size:14px;
}
.step-list h4{ font-size:17.5px; margin-bottom:5px; font-family:'Inter'; color: var(--navy); }
.step-list p{ color: var(--slate); font-size:15.5px; margin:0; }

/* ---------- Loan chips ---------- */
.chip-row{ display:flex; flex-wrap:wrap; gap:12px; margin-top: 24px; }
.chip{
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.18); border-radius: 999px;
  padding: 10px 20px; font-size: 14.5px; font-weight:500; color: #fff;
}
.bg-paper .chip{ background: var(--card); border-color: var(--line); color: var(--navy); }

/* ---------- Reassurance banner ---------- */
.reassure{
  background: var(--card); border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 32px 34px; display:flex; gap:22px; align-items:flex-start;
}
.reassure .icon{ width:26px; height:26px; color: var(--gold-deep); flex-shrink:0; margin-top:2px; }
.reassure h4{ font-size: 19px; margin-bottom: 8px; font-family:'Inter'; }
.reassure p{ margin:0; color: var(--slate); }

/* ---------- CTA band ---------- */
.cta-band{
  background: var(--navy);
  background-image: radial-gradient(circle at 85% -10%, rgba(193,89,46,0.14), transparent 55%);
  border-radius: var(--radius);
  padding: 56px 52px;
  display:flex; align-items:center; justify-content:center; gap: 56px; flex-wrap:wrap;
}
.cta-band-text{ max-width: 440px; }
.cta-band h2{ color:#fff; font-size:30px; max-width: 18ch; margin-bottom:10px; }
.cta-band p{ color: #B9C2D2; margin:0; }

/* ---------- Footer ---------- */
footer{ background: var(--navy-deep); color: #A5AFC0; padding: 60px 0 32px; font-size: 14px; }
footer h5{ color:#fff; font-family:'Fraunces'; font-weight:600; font-size:16px; margin: 0 0 14px; }
.footer-grid{ display:grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 44px; margin-bottom: 44px; }
footer a{ color:#BDC5D3; text-decoration:none; }
footer a:hover{ color: var(--gold-light); }
footer .legal{ border-top: 1px solid #1C2C48; padding-top: 28px; font-size: 12.5px; line-height:1.75; color: #7E8AA0; }
footer .legal p{ margin: 0 0 12px 0; color: #7E8AA0; }

/* ---------- Social links ---------- */
.social-row{ display:flex; align-items:center; gap:10px; flex-wrap:wrap; }
.social-row a{
  display:inline-flex; align-items:center; justify-content:center;
  width:38px; height:38px; border-radius:50%;
  border:1px solid #2C5350; color:#BDC5D3;
  transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}
.social-row a:hover{ background: var(--gold); border-color: var(--gold); color: var(--navy-deep); }
.social-row svg{ width:18px; height:18px; }
.footer-social{ margin-top: 22px; }
.footer-social h5{ margin-bottom: 12px; }
.social-row-center{ justify-content:center; margin: 0 0 34px; }

/* ---------- Responsive ---------- */
@media (max-width: 880px){
  .hero-grid{ grid-template-columns: 1fr; }
  .hero-photo{ order:-1; min-height: 340px; }
  .hero h1{ font-size: 36px; }
  .hero-motif{ display:none; }
  .card-grid{ grid-template-columns: repeat(2,1fr); }
  .two-col{ grid-template-columns: 1fr; }
  .two-col .label-col{ position:static; }
  .footer-grid{ grid-template-columns: 1fr; gap: 30px; }
  .nav-links{ display:none; }
  .cta-band{ flex-direction:column; align-items:flex-start; text-align:left; }
}
@media (max-width: 560px){
  .card-grid{ grid-template-columns: 1fr; }
  .hero h1{ font-size: 30px; }
  section{ padding: 60px 0; }
  .hero{ padding: 56px 0 44px; }
}

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  .btn{ transition:none; }
}