/* Lee Foster Home Loans - DRAFT stylesheet. Mobile-first, no external fonts or frameworks. */
:root{
  --navy:#0f2340; --navy-2:#18335a; --navy-3:#24467a;
  --gold:#c9a44c; --gold-2:#e2c47e; --gold-ink:#7a5c14;
  --ink:#1b2430; --muted:#566273; --line:#e3e1db;
  --bg:#ffffff; --bg-soft:#f6f4ef;
  --radius:10px; --shadow:0 6px 24px rgba(15,35,64,.08);
  --max:1160px;
  --serif:Georgia,"Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--navy-3)}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .6em;font-weight:700}
h1{font-size:clamp(2rem,6vw,3.3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,4vw,2.3rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* Draft + TBD markers */
.draft-bar{background:#b42318;color:#fff;font-size:.82rem;text-align:center;padding:6px 12px;font-weight:600;letter-spacing:.02em}
.tbd{background:#fff3a3;color:#5a4300;padding:0 .25em;border-radius:3px;font-weight:600;border:1px dashed #c9a000}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:68px}
.brand{text-decoration:none;color:var(--navy);display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-family:var(--serif);font-size:1.35rem;font-weight:700}
.brand-sub{font-size:.72rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-top:3px}
.nav-toggle{background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;cursor:pointer;color:var(--navy);font:inherit;font-size:.9rem}
.site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
.site-nav.open{display:block}
.site-nav ul{list-style:none;margin:0;padding:8px 20px 16px}
.site-nav a{display:block;padding:10px 0;text-decoration:none;color:var(--ink);font-weight:500;border-bottom:1px solid var(--bg-soft)}
.site-nav a[aria-current="page"]{color:var(--navy);font-weight:700}
.header-call{display:none}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:8px;font-weight:700;text-decoration:none;font-size:1rem;border:2px solid transparent;transition:background .15s,color .15s,border-color .15s;text-align:center}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2);color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.7);color:#fff}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}
.btn-row .btn{flex:1 1 200px}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,var(--navy-3) 100%);color:#e9eef6;padding:48px 0 56px}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--gold-2)}
.hero-grid{display:grid;gap:36px;align-items:center}
.hero-lead{font-size:1.15rem;color:#d6deea;max-width:38em}
.hero-points{list-style:none;padding:0;margin:20px 0 0;display:flex;flex-wrap:wrap;gap:8px 20px;font-size:.92rem;color:#c3cede}
.hero-points li::before{content:"\2713";color:var(--gold);margin-right:6px;font-weight:700}
.eyebrow{display:block;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--gold-ink);margin-bottom:10px}
.profile-card{background:#fff;color:var(--ink);border-radius:14px;box-shadow:0 20px 50px rgba(0,0,0,.25);overflow:hidden;max-width:300px;margin:0 auto;width:100%}
.profile-card img{width:100%;aspect-ratio:4/5;object-fit:cover;background:#dfe5ee}
.profile-card .pc-body{padding:16px 20px 20px}
.profile-card .pc-name{font-family:var(--serif);font-size:1.3rem;color:var(--navy);font-weight:700;margin:0}
.profile-card .pc-meta{font-size:.9rem;color:var(--muted);margin:2px 0 0}

/* Page header (inner pages) */
.page-hero{background:var(--navy);color:#dfe6f1;padding:40px 0 44px}
.page-hero h1{color:#fff;margin-bottom:.3em}
.page-hero .eyebrow{color:var(--gold-2)}
.page-hero p{max-width:44em;font-size:1.1rem;margin:0}
.breadcrumb{font-size:.85rem;margin-bottom:14px;color:#aebbd0}
.breadcrumb a{color:#cfd9e8}

/* Sections */
.section{padding:56px 0}
.section-soft{background:var(--bg-soft)}
.section-navy{background:var(--navy);color:#dfe6f1}
.section-navy h2,.section-navy h3{color:#fff}
.section-head{max-width:44em;margin-bottom:28px}
.section-head p{color:var(--muted);font-size:1.08rem}
.section-navy .section-head p{color:#c3cede}
.grid{display:grid;gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.35em}
.card p{color:var(--muted);margin:0 0 .6em;font-size:.97rem}
.card .more{font-weight:700;text-decoration:none;font-size:.93rem}
.card .more::after{content:" \2192"}
.icon{width:42px;height:42px;border-radius:10px;background:var(--bg-soft);display:grid;place-items:center;margin-bottom:12px;color:var(--navy)}
.icon svg{width:22px;height:22px}

.facts{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.fact{background:#fff;padding:18px 16px}
.fact strong{display:block;font-family:var(--serif);color:var(--navy);font-size:1.35rem;line-height:1.2}
.fact span{font-size:.88rem;color:var(--muted)}

.split{display:grid;gap:32px;align-items:start}
.checklist{list-style:none;padding:0;margin:0 0 1.2em}
.checklist li{position:relative;padding-left:30px;margin-bottom:10px}
.checklist li::before{content:"";position:absolute;left:0;top:.3em;width:18px;height:18px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%230f2340' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.section-navy .checklist li{color:#dfe6f1}

.steps{counter-reset:step;display:grid;gap:18px;list-style:none;padding:0;margin:0}
.steps li{counter-increment:step;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px 20px;position:relative;box-shadow:var(--shadow)}
.steps li::before{content:counter(step);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold-2);font-family:var(--serif);font-weight:700;font-size:1.2rem;margin-bottom:12px}
.steps h3{margin-bottom:.3em}
.steps p{margin:0;color:var(--muted)}

.areas{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0 0 20px}
.areas li a,.areas li span{display:inline-block;padding:8px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--navy);font-weight:600;font-size:.93rem}

.contact-cards{display:grid;gap:16px}
.contact-card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:border-color .15s,transform .15s}
.contact-card:hover{border-color:var(--gold);transform:translateY(-2px);color:var(--ink)}
.contact-card .label{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:700}
.contact-card .value{display:block;font-family:var(--serif);font-size:1.3rem;color:var(--navy);font-weight:700;margin-top:4px;word-break:break-word}
.contact-card .value-email{white-space:nowrap;word-break:normal;font-size:clamp(.8rem,4.2vw,1.05rem)}
.contact-card .note{display:block;font-size:.9rem;color:var(--muted);margin-top:4px}

/* Program detail */
.program{padding:36px 0;border-bottom:1px solid var(--line);scroll-margin-top:90px}
.program:last-child{border-bottom:0}
.program-grid{display:grid;gap:20px}
.program .fit{background:var(--bg-soft);border-radius:var(--radius);padding:18px 20px}
.program .fit h3{font-size:1rem;font-family:var(--sans);text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:.6em}
.program .fit ul{margin:0;padding-left:1.1em}
.program .know{font-size:.93rem;color:var(--muted);border-left:3px solid var(--gold);padding-left:12px;margin-top:12px}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--navy);color:var(--gold-2);padding:3px 8px;border-radius:4px;margin-left:8px;vertical-align:middle}
.jump{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.jump a{display:inline-block;padding:7px 12px;border-radius:6px;background:var(--bg-soft);text-decoration:none;font-size:.9rem;font-weight:600;color:var(--navy)}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:-2px;font-size:1.4rem;color:var(--gold-ink)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:12px 0 0;color:var(--muted)}

.cta-band{background:var(--navy);color:#dfe6f1;border-radius:14px;padding:32px 24px;display:grid;gap:18px;align-items:center}
.cta-band h2{color:#fff;margin:0}
.cta-band p{margin:0;color:#c3cede}

.prose{max-width:46em}
.prose h2{margin-top:1.4em}
.cred{background:var(--bg-soft);border-radius:var(--radius);padding:22px}
.cred dl{margin:0;display:grid;gap:10px}
.cred dt{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:700}
.cred dd{margin:0 0 6px;font-weight:600;color:var(--navy)}

/* Footer */
.site-footer{background:#0b1a31;color:#b9c4d4;font-size:.9rem;padding:44px 0 28px}
.site-footer a{color:#e2c47e}
.footer-grid{display:grid;gap:28px}
.footer-brand{font-family:var(--serif);color:#fff;font-size:1.3rem;font-weight:700;margin-bottom:4px}
.footer-nav{list-style:none;padding:0;margin:0}
.footer-nav li{margin-bottom:6px}
.footer-h{color:#fff;font-weight:700;text-transform:uppercase;font-size:.75rem;letter-spacing:.12em;margin-bottom:10px}
.compliance{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:22px;display:grid;gap:18px;align-items:start}
.compliance p{margin:0 0 .6em;line-height:1.55}
.eho{display:flex;align-items:center;gap:12px;color:#fff;font-weight:700}
.eho img{width:54px;height:54px;background:#fff;border-radius:4px;padding:4px}
.legal-small{font-size:.82rem;color:#93a1b6}

/* Mobile sticky action bar */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:8px 10px calc(8px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);z-index:60;box-shadow:0 -4px 16px rgba(0,0,0,.08)}
.mobile-bar .btn{padding:11px 10px;font-size:.95rem}
body{padding-bottom:70px}

/* >= 640px */
@media (min-width:640px){
  .grid-2{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .contact-cards{grid-template-columns:1fr}
  .facts{grid-template-columns:repeat(4,1fr)}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr}
}
/* >= 960px */
@media (min-width:960px){
  .contact-cards{grid-template-columns:repeat(3,1fr)}
  body{padding-bottom:0;font-size:17.5px}
  .mobile-bar{display:none}
  .nav-toggle{display:none}
  .site-nav{display:block;position:static;box-shadow:none;border:0;background:transparent}
  .site-nav ul{display:flex;gap:26px;padding:0}
  .site-nav a{border:0;padding:6px 0;font-size:.95rem}
  .site-nav a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--gold)}
  .header-call{display:inline-flex;padding:10px 16px;font-size:.92rem}
  .header-right{display:flex;align-items:center;gap:28px}
  .hero{padding:80px 0 88px}
  .hero-grid{grid-template-columns:1.35fr 1fr;gap:56px}
  .profile-card{margin:0 0 0 auto}
  .section{padding:80px 0}
  .grid-3{grid-template-columns:repeat(3,1fr)}
  .grid-4{grid-template-columns:repeat(4,1fr)}
  .split{grid-template-columns:1.2fr 1fr;gap:56px}
  .steps{grid-template-columns:repeat(3,1fr)}
  .program-grid{grid-template-columns:1.5fr 1fr;gap:36px}
  .cta-band{grid-template-columns:1fr auto;padding:40px 44px}
  .compliance{grid-template-columns:1fr auto}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media (min-width:640px){.split .facts{grid-template-columns:1fr 1fr}}
.header-right{display:flex;align-items:center;gap:12px}
.btn.header-call{display:none}
@media (min-width:960px){.btn.header-call{display:inline-flex}.header-right{gap:28px}}
@media (min-width:960px){.profile-card{max-width:360px}}

/* Daily Market Update (homepage section + market-updates.html archive) */
.market-update{padding:40px 0 36px}
.mu-grid{display:grid;gap:20px;align-items:start}
.mu-intro h2{margin-bottom:.35em}
.mu-intro p{color:var(--muted);margin:0 0 .6em}
.mu-more{font-weight:700;text-decoration:none}
.mu-more::after{content:" \2192"}
.mu-card{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:var(--radius);padding:22px 22px 18px;box-shadow:var(--shadow)}
.mu-date{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:var(--gold-ink);margin:0 0 6px}
.mu-card .mu-title{font-size:1.25rem;margin-bottom:.45em}
.mu-body{margin:0 0 .9em}
.mu-takeaway{background:var(--bg-soft);border-radius:8px;padding:12px 14px;margin:0 0 .9em;font-size:.97rem}
.mu-takeaway strong{color:var(--navy)}
.mu-sign{margin:0;font-family:var(--serif);font-style:italic;color:var(--navy);font-weight:700}
.mu-sign span{font-family:var(--sans);font-style:normal;font-weight:400;font-size:.8rem;color:var(--muted);margin-left:6px}
.mu-disclaimer{font-size:.8rem;line-height:1.5;color:var(--muted);margin:18px 0 0;max-width:62em}
.mu-disclaimer-top{margin:0 0 24px}
.mu-list{display:grid;gap:18px;max-width:820px}
.market-archive{padding-top:40px}
@media (min-width:960px){
  .market-update{padding:52px 0 44px}
  .mu-grid{grid-template-columns:1fr 1.9fr;gap:48px}
  .mu-card{padding:26px 30px 22px}
}

/* Compliance review 2026-10-09: header lockup at 50/50 prominence (same font, size, weight, color) */
.brand{gap:2px}
.brand .brand-name,.brand .brand-powered{font-family:var(--serif);font-size:1rem;font-weight:700;color:var(--navy);line-height:1.2;letter-spacing:0;text-transform:none}
@media (min-width:960px){.brand .brand-name,.brand .brand-powered{font-size:1.1rem}}
.footer-brand,.footer-powered{font-family:var(--serif);color:#fff;font-size:1.15rem;font-weight:700;line-height:1.25}
.footer-powered{margin-bottom:10px}
.keep{white-space:nowrap}
.compliance .keep{font-size:.92rem}
@media (max-width:400px){.compliance .keep,.prose .keep{font-size:.8rem}}
.footer-links a{white-space:nowrap}
/* headshot (2026-10-12): <picture> wrapper */
.profile-card picture{display:block}.profile-card picture img{display:block;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:center top}