/* Dream Home Mortgages — Quantweb build 2026 (bold gold + ink, Haysto-style layout) */
:root{
  --gold:#ffc500; --gold-d:#e6ad00; --gold-l:#ffe27a; --gold-soft:#fff3cc;
  --ink:#161512; --ink2:#33302a; --muted:#6f6b62; --line:#eae3d4;
  --bg:#ffffff; --bg2:#faf7f0; --bg3:#f2ecdd; --dark:#171512;
  --f-h:"Poppins",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --f-b:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --r:22px; --r-s:14px; --wrap:1200px;
  --shadow:0 30px 70px -28px rgba(30,24,6,.34);
  --shadow-s:0 14px 34px -16px rgba(30,24,6,.22);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--f-b);background:var(--bg);color:var(--ink2);line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:var(--f-h);color:var(--ink);line-height:1.02;font-weight:800;letter-spacing:-.02em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-family:var(--f-b);font-weight:800;font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-d)}
.eyebrow::before{content:"";width:22px;height:3px;background:var(--gold);border-radius:3px}
.eyebrow.c::before{display:none}
.eyebrow.pill{background:var(--gold-soft);color:#8a6b00;padding:7px 15px;border-radius:999px;letter-spacing:.1em}
.eyebrow.pill::before{display:none}
.sec{padding:96px 0}
.sec-tight{padding:64px 0}
.sec-head{max-width:760px;margin-bottom:48px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head h2{font-size:clamp(2.2rem,4.4vw,3.4rem);margin:16px 0 14px;line-height:1.02}
.sec-head p{font-size:1.1rem;color:var(--muted)}
.lead{font-size:1.18rem;color:var(--ink2);font-weight:500}

/* buttons — chunky pills, Haysto style */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--f-h);font-weight:700;font-size:1rem;padding:16px 30px;border-radius:999px;border:2.5px solid transparent;cursor:pointer;transition:.18s;letter-spacing:-.01em}
.btn svg{width:19px;height:19px}
.btn-ink{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-ink:hover{background:#000;transform:translateY(-2px)}
.btn-primary{background:var(--gold);color:var(--ink);border-color:var(--gold)}
.btn-primary:hover{background:var(--gold-d);border-color:var(--gold-d);transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-outline:hover{background:var(--ink);color:#fff}
.btn-ghost{background:#fff;color:var(--ink);border-color:#e0d9c9}
.btn-ghost:hover{border-color:var(--ink)}
.btn-outline-w{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-outline-w:hover{background:#fff;color:var(--ink);border-color:#fff}

/* header — floating black pill nav (Haysto style) */
header.site{position:sticky;top:0;z-index:60;padding:14px 0;background:transparent}
header.site .bar{max-width:var(--wrap);margin:0 auto;padding:11px 14px 11px 24px;display:flex;align-items:center;gap:22px;background:var(--ink);border-radius:999px;box-shadow:0 18px 40px -22px rgba(0,0,0,.55)}
.brand{display:flex;align-items:center}
.brand img{height:42px;width:auto}
.nav-links{display:flex;gap:2px;margin-left:14px}
.nav-links a{font-family:var(--f-h);font-weight:600;font-size:.96rem;color:#e9e4d8;padding:9px 16px;border-radius:999px;transition:.15s}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-links a.active{color:var(--gold)}
.nav-cta{margin-left:auto;display:flex;align-items:center;gap:10px}
.callchip{display:inline-flex;align-items:center;gap:9px;font-family:var(--f-h);font-weight:700;color:#fff;font-size:.95rem;padding:10px 18px;border:2px solid rgba(255,255,255,.28);border-radius:999px;transition:.15s}
.callchip:hover{border-color:var(--gold);color:var(--gold)}
.callchip svg{width:18px;height:18px;color:var(--gold)}
.callchip span small{display:none}
.nav-cta .btn{padding:12px 24px;font-size:.95rem}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.burger span{width:24px;height:2.5px;background:#fff;border-radius:3px}

.mm-back{position:fixed;inset:0;background:rgba(20,16,8,.5);opacity:0;visibility:hidden;transition:.25s;z-index:70}
.mm-back.open{opacity:1;visibility:visible}
.mobile-menu{position:fixed;top:0;right:-340px;width:300px;max-width:86vw;height:100%;background:var(--ink);z-index:80;padding:26px 24px;display:flex;flex-direction:column;gap:4px;transition:right .3s cubic-bezier(.4,0,.2,1);box-shadow:-20px 0 50px -20px rgba(0,0,0,.5)}
.mobile-menu.open{right:0}
.mobile-menu a{font-family:var(--f-h);font-weight:600;font-size:1.12rem;color:#eee7d9;padding:13px 6px;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-menu .btn{margin-top:16px}
.mm-close{align-self:flex-end;background:none;border:0;font-size:2rem;color:#b7b1a4;cursor:pointer;margin-bottom:6px}

/* HERO — full-bleed gold panel, giant headline (Haysto template) */
.hero{padding:6px 0 40px}
.hero .panel{position:relative;background:var(--gold);border-radius:34px;overflow:hidden;display:grid;grid-template-columns:1.08fr .92fr;gap:20px;align-items:center;padding:66px 60px}
.hero .panel::after{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.18)}
.hero-copy{position:relative;z-index:2}
.hero .badge-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(22,21,18,.9);color:#fff;font-family:var(--f-h);font-weight:700;font-size:.8rem;letter-spacing:.02em;padding:8px 16px;border-radius:999px;margin-bottom:22px}
.hero h1{font-size:clamp(3rem,6.6vw,5.4rem);color:var(--ink);letter-spacing:-.035em;line-height:.94}
.hero h1 em{font-style:normal;display:block}
.hero .sub{font-size:1.24rem;color:var(--ink);font-weight:500;margin:24px 0 30px;max-width:46ch;line-height:1.5}
.hero-cta{display:flex;flex-wrap:wrap;gap:13px}
.hero .disclaimer{margin-top:22px;font-family:var(--f-h);font-weight:700;font-size:.72rem;letter-spacing:.02em;text-transform:uppercase;color:#6b5600;max-width:40ch;line-height:1.5}
.hero .partner{margin-top:22px;display:inline-flex;align-items:center;gap:12px;background:#fff;border-radius:14px;padding:12px 18px;box-shadow:var(--shadow-s)}
.hero .partner b{font-family:var(--f-h);font-weight:700;font-size:1.15rem;color:var(--ink);line-height:1}
.hero .partner small{display:block;font-size:.74rem;color:var(--muted);font-weight:600;margin-top:2px}
.hero .partner .ic{width:40px;height:40px;border-radius:10px;background:var(--gold-soft);display:grid;place-items:center;flex:none}
.hero .partner .ic svg{width:22px;height:22px;color:var(--gold-d)}
.hero-media{position:relative;z-index:2}
.hero-media img{border-radius:24px;width:100%;aspect-ratio:4/4.2;object-fit:cover;box-shadow:0 30px 60px -24px rgba(30,20,0,.45)}

/* trust strip */
.trust{background:var(--ink);color:#fff}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:26px 24px}
.trust .t{display:flex;align-items:center;gap:13px}
.trust .t svg{width:28px;height:28px;color:var(--gold);flex:none}
.trust .t b{display:block;font-family:var(--f-h);font-size:1rem;font-weight:700}
.trust .t span{font-size:.82rem;color:#b9b3a6}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{position:relative;background:var(--bg2);border:1px solid var(--line);border-radius:var(--r);padding:36px 30px;transition:.2s}
.step:hover{transform:translateY(-6px);box-shadow:var(--shadow-s)}
.step .n{font-family:var(--f-h);font-weight:800;font-size:1.3rem;width:52px;height:52px;border-radius:16px;background:var(--gold);color:var(--ink);display:grid;place-items:center;margin-bottom:20px}
.step .n svg{width:26px;height:26px}
.step h3{font-size:1.4rem;margin-bottom:10px}
.step p{color:var(--muted);font-size:1rem}

/* who we help cards */
.whgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.whcard{border-radius:var(--r);overflow:hidden;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column;transition:.2s}
.whcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.whcard .ph{aspect-ratio:4/3;overflow:hidden}
.whcard .ph img{width:100%;height:100%;object-fit:cover;transition:.5s}
.whcard:hover .ph img{transform:scale(1.06)}
.whcard .bd{padding:24px 22px 26px}
.whcard h3{font-size:1.28rem;margin-bottom:8px}
.whcard p{color:var(--muted);font-size:.94rem}
.whcard .go{margin-top:14px;display:inline-flex;align-items:center;gap:6px;font-family:var(--f-h);font-weight:700;font-size:.88rem;color:var(--gold-d)}
.whcard .go svg{width:16px;height:16px;transition:.2s}
.whcard:hover .go svg{transform:translateX(4px)}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split.rev .media{order:2}
.media{position:relative}
.media img{border-radius:24px;box-shadow:var(--shadow);width:100%;object-fit:cover}
.media.tall img{aspect-ratio:4/5}
.about-copy p{margin-bottom:16px;color:var(--muted)}
.about-copy .lead{color:var(--ink2)}
.mini-list{list-style:none;margin:20px 0 0;display:grid;gap:13px}
.mini-list li{display:flex;gap:12px;align-items:flex-start;font-size:1.02rem;color:var(--ink2);font-weight:500}
.mini-list svg{width:24px;height:24px;color:var(--gold-d);flex:none;margin-top:1px}

/* services list */
.svc-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.svc-item{display:flex;gap:15px;align-items:flex-start;background:var(--bg2);border:1px solid var(--line);border-radius:16px;padding:24px 22px;transition:.18s}
.svc-item:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:var(--shadow-s)}
.svc-item .ic{width:48px;height:48px;border-radius:13px;background:var(--gold);display:grid;place-items:center;flex:none}
.svc-item .ic svg{width:24px;height:24px;color:var(--ink)}
.svc-item h3{font-size:1.14rem;margin-bottom:5px}
.svc-item p{color:var(--muted);font-size:.92rem}

/* stats dark band */
.dark{background:var(--dark);color:#fff}
.dark h2,.dark h3{color:#fff}
.dark .eyebrow{color:var(--gold)}
.statrow{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;text-align:center}
.statrow .s b{font-family:var(--f-h);font-weight:800;font-size:3.4rem;color:var(--gold);display:block;line-height:1;letter-spacing:-.03em}
.statrow .s span{color:#c7c1b4;font-size:1rem;margin-top:10px;display:block}

/* testimonial */
.quote{max-width:860px;margin:0 auto;text-align:center}
.quote .stars{color:var(--gold);font-size:1.4rem;letter-spacing:3px;margin-bottom:18px}
.quote p{font-family:var(--f-h);font-size:clamp(1.5rem,2.8vw,2.2rem);color:var(--ink);line-height:1.28;font-weight:700;letter-spacing:-.02em}
.quote .who{margin-top:20px;color:var(--muted);font-weight:600;font-family:var(--f-b);font-size:.96rem}

/* page hero */
.page-hero{padding:8px 0 0}
.page-hero .wrap{background:var(--gold);border-radius:30px;padding:64px 56px;position:relative;overflow:hidden}
.page-hero .wrap::after{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:rgba(255,255,255,.2)}
.page-hero .crumb{position:relative;z-index:2;color:#6b5600;font-family:var(--f-h);font-weight:600;font-size:.9rem;margin-bottom:16px}
.page-hero .crumb a:hover{color:var(--ink)}
.page-hero h1{position:relative;z-index:2;color:var(--ink);font-size:clamp(2.6rem,5.2vw,4.2rem);letter-spacing:-.03em;line-height:.98}
.page-hero p{position:relative;z-index:2;color:var(--ink);font-weight:500;font-size:1.16rem;max-width:60ch;margin-top:16px}

/* cta band */
.cta-band{background:var(--ink);border-radius:30px;padding:60px 52px;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-90px;bottom:-90px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(255,197,0,.28),transparent 70%)}
.cta-band h2{color:#fff;font-size:clamp(2rem,3.8vw,3rem);position:relative;letter-spacing:-.02em}
.cta-band p{color:#d8d2c4;margin:16px auto 28px;max-width:56ch;position:relative;font-size:1.08rem}
.cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;position:relative}

/* contact */
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:36px;box-shadow:var(--shadow-s)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form label{font-family:var(--f-h);font-weight:600;font-size:.86rem;color:var(--ink);display:block;margin:14px 0 6px}
.form input,.form select,.form textarea{width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;font-family:var(--f-b);font-size:.96rem;color:var(--ink);background:var(--bg2);transition:.15s}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold);background:#fff}
.form textarea{min-height:130px;resize:vertical}
.form .btn{margin-top:22px;width:100%}
.cinfo{display:grid;gap:16px}
.citem{display:flex;gap:15px;align-items:flex-start;background:var(--bg2);border:1px solid var(--line);border-radius:16px;padding:22px}
.citem .ic{width:48px;height:48px;border-radius:13px;background:var(--gold);display:grid;place-items:center;flex:none}
.citem .ic svg{width:23px;height:23px;color:var(--ink)}
.citem h4{font-family:var(--f-h);font-size:1.06rem;margin-bottom:3px}
.citem a,.citem p{color:var(--muted);font-size:.96rem;display:block}
.citem a:hover{color:var(--gold-d)}

/* footer */
footer.site{background:var(--dark);color:#a49e90;padding:64px 0 28px}
footer.site .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:36px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.1)}
footer.site .fbrand img{height:56px;margin-bottom:18px}
footer.site .fbrand p{color:#8f897b;font-size:.94rem;max-width:34ch}
footer.site .fsoc{display:flex;gap:10px;margin-top:16px}
footer.site .fsoc a{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.08);display:grid;place-items:center}
footer.site .fsoc a:hover{background:var(--gold)}
footer.site .fsoc a:hover svg{color:var(--ink)}
footer.site .fsoc svg{width:18px;height:18px;color:#fff;transition:.15s}
footer.site h4{color:#fff;font-family:var(--f-h);font-size:1.02rem;margin-bottom:16px;font-weight:700}
footer.site .col a{display:block;color:#a49e90;padding:5px 0;font-size:.94rem}
footer.site .col a:hover{color:var(--gold)}
footer.site .fcontact a,footer.site .fcontact p{display:block;color:#a49e90;font-size:.94rem;margin-bottom:7px}
footer.site .fcontact a.big{color:var(--gold);font-family:var(--f-h);font-weight:800;font-size:1.3rem}
.reg{padding-top:24px;font-size:.78rem;color:#7d776b;line-height:1.7}
.reg p{margin-bottom:8px}
.foot-bot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding-top:16px;font-size:.82rem;color:#6f6a5f}
.foot-bot a{color:#8f897b}.foot-bot a:hover{color:var(--gold)}

/* reveal */
[data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
[data-reveal].in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){[data-reveal]{opacity:1;transform:none;transition:none}}

@media(max-width:980px){
  .hero .panel{grid-template-columns:1fr;gap:36px;padding:48px 40px}
  .hero-media{max-width:520px}
  .split,.contact-grid{grid-template-columns:1fr;gap:40px}
  .split.rev .media{order:0}
  .steps,.whgrid,.svc-list,.statrow{grid-template-columns:1fr 1fr}
  .trust .wrap{grid-template-columns:1fr 1fr}
  footer.site .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:820px){
  .nav-links,.callchip{display:none}
  .burger{display:flex}
  .nav-cta .btn{display:none}
  .nav-cta{margin-left:auto}
}
@media(max-width:760px){
  .sec{padding:66px 0}
  .cta-band,.page-hero .wrap{padding:44px 26px}
  .hero .panel{padding:40px 26px;border-radius:26px}
}
@media(max-width:560px){
  .wrap{padding:0 16px}
  header.site .bar{padding:9px 10px 9px 18px}
  .brand img{height:36px}
  .steps,.whgrid,.svc-list,.statrow,.trust .wrap,.form .row,footer.site .cols{grid-template-columns:1fr}
  .hero h1{font-size:clamp(2.6rem,12vw,3.4rem)}
  .hero-cta .btn{flex:1 1 auto}
}