/* Xpert Home Lending - single page site
   Drop in your GoDaddy hosting root folder.
*/
:root{
  --bg:#0b0f19;
  --bg2:#0f172a;
  --card:#111827;
  --card2:#0b1220;
  --text:#e5e7eb;
  --muted:#9ca3af;
  --brand:#ffffff;
  --accent:#60a5fa;
  --accent2:#22c55e;
  --border:rgba(255,255,255,.10);
  --shadow: 0 16px 40px rgba(0,0,0,.40);
  --radius:18px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  background: radial-gradient(1200px 800px at 20% 10%, rgba(96,165,250,.20), transparent 55%),
              radial-gradient(1000px 700px at 80% 0%, rgba(34,197,94,.16), transparent 60%),
              linear-gradient(180deg, var(--bg) 0%, #05070c 100%);
  color:var(--text);
}

img{max-width:100%; display:block}
a{color:inherit; text-decoration:none}
.container{
  width:min(1100px, 92vw);
  margin:0 auto;
}

.skip{
  position:absolute; left:-999px; top:10px;
  background:#fff; color:#000; padding:10px 12px; border-radius:10px;
}
.skip:focus{left:10px; z-index:9999}

.site-header{
  position:sticky; top:0; z-index:50;
  background: rgba(5,7,12,.70);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--border);
}
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 0;
  gap:18px;
}
.brand-logo{height:40px; width:auto}

.nav{
  display:flex; gap:18px; align-items:center;
}
.nav a{
  color:var(--text);
  opacity:.90;
  font-weight:600;
}
.nav a:hover{opacity:1}

.nav-toggle{
  display:none;
  width:44px; height:44px;
  background:transparent;
  border:1px solid var(--border);
  border-radius:12px;
  align-items:center;
  justify-content:center;
  gap:4px;
  cursor:pointer;
}
.nav-toggle span{
  display:block;
  width:18px; height:2px;
  background:var(--text);
  opacity:.9;
  border-radius:2px;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 16px;
  border-radius:14px;
  border:1px solid rgba(255,255,255,.14);
  background: linear-gradient(135deg, rgba(96,165,250,.25), rgba(34,197,94,.20));
  box-shadow: 0 10px 26px rgba(0,0,0,.25);
  font-weight:700;
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-ghost{
  background:transparent;
  box-shadow:none;
}
.btn-small{padding:10px 14px}
.btn-full{width:100%}

.hero{
  padding:64px 0 32px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap:28px;
  align-items:start;
}
.kicker{
  color:var(--muted);
  font-weight:700;
  letter-spacing:.08em;
  text-transform:uppercase;
  font-size:.85rem;
  margin:0 0 10px;
}
h1{
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  line-height:1.05;
  margin:0;
}
.subhead{
  margin:10px 0 18px;
  font-size:1.15rem;
  color:var(--muted);
  font-weight:600;
}

.badges{
  display:flex; gap:12px; flex-wrap:wrap;
  margin:0 0 18px;
}
.badge{
  border:1px solid var(--border);
  background: rgba(17,24,39,.60);
  border-radius:14px;
  padding:10px 12px;
  min-width:180px;
}
.badge-title{font-size:.82rem; color:var(--muted); font-weight:600}
.badge-value{font-size:1.05rem; font-weight:800; margin-top:4px}

.lead{
  color:rgba(229,231,235,.92);
  font-size:1.05rem;
  line-height:1.65;
  margin:0 0 18px;
}

.cta-row{display:flex; gap:12px; flex-wrap:wrap}

.trust-row{
  margin-top:18px;
  display:flex; gap:12px; align-items:center;
  border:1px solid var(--border);
  background: rgba(17,24,39,.40);
  border-radius:var(--radius);
  padding:12px 14px;
}
.equal-housing{width:56px; height:auto}
.equal-housing.small{width:44px}
.muted{color:var(--muted)}
.tiny{font-size:.83rem}
.trust-text{line-height:1.25}

.hero-card{
  border:1px solid var(--border);
  border-radius: 22px;
  overflow:hidden;
  background: linear-gradient(180deg, rgba(17,24,39,.70), rgba(11,18,32,.70));
  box-shadow: var(--shadow);
}
.headshot{
  width: 100%;
  height: auto;
  max-height: 380px;
  object-fit: contain;
  image-rendering: auto;
  background: transparent;
  padding: 0;
}
.hero-card-body{padding:16px 16px 18px}
.card-title{font-weight:800; margin:0 0 8px; font-size:1.05rem}
.quick-list{margin:12px 0 14px; display:grid; gap:10px}
.quick-item{display:flex; gap:10px; align-items:flex-start; color:rgba(229,231,235,.92)}
.dot{
  width:10px; height:10px; border-radius:99px;
  background: linear-gradient(135deg, var(--accent), var(--accent2));
  margin-top:6px;
}

.section{
  padding:54px 0;
}
.section-alt{
  background: rgba(255,255,255,.03);
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
}
h2{
  font-size: clamp(1.6rem, 2.4vw, 2.1rem);
  margin:0 0 10px;
}
.section-lead{
  margin:0 0 22px;
  color:rgba(229,231,235,.90);
  line-height:1.6;
}

.grid{
  display:grid;
  gap:14px;
}
.cards{
  grid-template-columns: repeat(3, minmax(0, 1fr));
}
.card{
  border:1px solid var(--border);
  border-radius:var(--radius);
  background: rgba(17,24,39,.55);
  padding:16px;
}
.card h3{margin:0 0 8px; font-size:1.05rem}
.card p{margin:0; color:rgba(229,231,235,.88); line-height:1.55}

.about-grid{
  display:grid;
  grid-template-columns: 1.05fr .95fr;
  gap:24px;
  align-items:start;
}
.bullets{
  margin:14px 0 0;
  padding-left:18px;
  color:rgba(229,231,235,.88);
  line-height:1.7;
}
.panel{
  border:1px solid var(--border);
  border-radius:var(--radius);
  background: rgba(17,24,39,.55);
  padding:16px;
}
.panel-row{
  display:flex;
  justify-content:space-between;
  gap:14px;
  padding:12px 0;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.panel-row:last-child{border-bottom:none}
.panel-label{color:var(--muted); font-weight:700}
.panel-value{font-weight:700}

.contact-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:22px;
  align-items:start;
}

.note{
  border:1px dashed rgba(255,255,255,.22);
  background: rgba(17,24,39,.35);
  padding:12px 12px;
  border-radius:14px;
  margin-bottom:16px;
}

.mini-faq details{
  border:1px solid var(--border);
  border-radius:14px;
  padding:12px 12px;
  background: rgba(17,24,39,.40);
  margin:10px 0;
}
.mini-faq summary{
  cursor:pointer;
  font-weight:800;
}
.mini-faq p{margin:10px 0 0}

.form label{
  display:block;
  font-weight:700;
  margin-bottom:12px;
}
input, select, textarea{
  width:100%;
  margin-top:8px;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid rgba(255,255,255,.14);
  background: rgba(2,6,23,.65);
  color:var(--text);
  outline:none;
}
input:focus, select:focus, textarea:focus{
  border-color: rgba(96,165,250,.55);
  box-shadow: 0 0 0 4px rgba(96,165,250,.12);
}

.footer{
  padding:28px 0 18px;
  border-top:1px solid var(--border);
  background: rgba(0,0,0,.30);
}
.footer-grid{
  display:flex;
  justify-content:space-between;
  gap:18px;
  align-items:center;
  flex-wrap:wrap;
}
.footer-logo{height:34px}
.footer-right{display:flex; align-items:center; gap:12px}
.fineprint{padding-top:10px}

/* Responsive */
@media (max-width: 920px){
  .hero-grid{grid-template-columns:1fr; }
  .cards{grid-template-columns: repeat(2, minmax(0, 1fr));}
  .about-grid{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .headshot{aspect-ratio: 16/10}
}

@media (max-width: 680px){
  .nav-toggle{display:flex}
  .nav{
    position:fixed;
    top:68px; right:16px; left:16px;
    background: rgba(5,7,12,.92);
    border:1px solid var(--border);
    border-radius:18px;
    padding:12px;
    display:none;
    flex-direction:column;
    gap:12px;
    box-shadow: var(--shadow);
  }
  .nav.open{display:flex}
  .cards{grid-template-columns:1fr}
}


.contact-strip{
  display:flex;
  gap:10px;
  flex-wrap:wrap;
  margin: 0 0 18px;
}
.contact-pill{
  border:1px solid var(--border);
  background: rgba(17,24,39,.55);
  padding:10px 12px;
  border-radius:999px;
  font-weight:800;
}
.contact-pill:hover{border-color: rgba(96,165,250,.45)}
.contact-label{
  color:var(--muted);
  font-weight:700;
  margin-right:6px;
}
.contact-mini{
  margin:10px 0 0;
  font-weight:800;
}
.contact-mini a{opacity:.95}
.contact-mini a:hover{opacity:1}

.legal{
  padding-top:16px;
}
.legal h3{
  margin:0 0 8px;
  font-size:1.05rem;
}
.legal a{
  text-decoration: underline;
  text-underline-offset: 3px;
}


/* Premium headshot card tweaks */
.premium-card{
  max-width: 420px;
  justify-self: end;
  border-radius: 26px;
  border: 1px solid rgba(255,255,255,.18);
  background: linear-gradient(180deg, rgba(17,24,39,.78), rgba(11,18,32,.78));
  box-shadow: 0 24px 60px rgba(0,0,0,.50);
}
.headshot{
  width: 100%;
  height: 360px;
  object-fit: contain;
  background: rgba(0,0,0,.20);
  padding: 16px;
  border-bottom: 1px solid rgba(255,255,255,.10);
}
@media (max-width: 920px){
  .premium-card{max-width: 560px; justify-self: stretch;}
  .headshot{height: 320px;}
}

/* Header contact */
.header-contact{
  display:flex;
  gap:10px;
  align-items:center;
  color: rgba(229,231,235,.92);
  font-weight:800;
  flex-wrap:wrap;
}
.header-contact .hc{opacity:.92}
.header-contact .hc:hover{opacity:1}
.header-contact .sep{opacity:.5}
@media (max-width: 680px){
  .header-contact{display:none;}
}

/* Ensure headshot stays crisp */
.premium-card img{
  max-width: 100%;
  height: auto;
}