/* ============================================================
   Ken Kaneversky Agency — Design System
   Ethos warmth × navy/gold premium × Quility structure
   ============================================================ */

:root {
  /* Brand palette */
  --navy-900: #071A2F;
  --navy-800: #0A2540;
  --navy-700: #103355;
  --gold-500: #C8A24A;
  --gold-400: #D8B45E;
  --gold-100: #F3E8CC;
  --cream:    #FBF7F0;
  --cream-200:#F4ECDF;
  --sage:     #E7EDE7;
  --white:    #FFFFFF;
  --ink:      #11202E;
  --muted:    #5C6B79;
  --line:     #E7DECF;

  --shadow-sm: 0 2px 8px rgba(7, 26, 47, .06);
  --shadow-md: 0 12px 32px rgba(7, 26, 47, .10);
  --shadow-lg: 0 30px 70px rgba(7, 26, 47, .16);

  --radius: 18px;
  --radius-lg: 28px;
  --maxw: 1180px;

  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

h1, h2, h3 { font-family: var(--serif); font-weight: 600; line-height: 1.08; letter-spacing: -.01em; color: var(--navy-900); }

.eyebrow {
  font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-500);
}

.section { padding: 100px 0; }
.section-sm { padding: 64px 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--sans); font-weight: 600; font-size: .98rem;
  padding: 15px 28px; border-radius: 100px; cursor: pointer;
  border: 1.5px solid transparent; transition: all .25s ease; white-space: nowrap;
}
.btn-gold { background: var(--gold-500); color: var(--navy-900); }
.btn-gold:hover { background: var(--gold-400); transform: translateY(-2px); box-shadow: 0 12px 26px rgba(200,162,74,.38); }
.btn-navy { background: var(--navy-800); color: var(--white); }
.btn-navy:hover { background: var(--navy-700); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--navy-900); border-color: rgba(16,51,85,.25); }
.btn-ghost:hover { border-color: var(--navy-800); background: rgba(16,51,85,.04); }
.btn-light { background: var(--white); color: var(--navy-900); }
.btn-light:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-900); color: rgba(255,255,255,.82);
  font-size: .82rem; letter-spacing: .01em;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; height: 42px; }
.topbar a { color: rgba(255,255,255,.92); font-weight: 500; }
.topbar .pill { color: var(--gold-400); font-weight: 600; }
.topbar .t-right { display: flex; gap: 22px; align-items: center; }

/* ---------- Header ---------- */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251,247,240,.85); backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.header .wrap { display: flex; align-items: center; justify-content: space-between; height: 78px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 52px; width: 52px; border-radius: 50%; }
.brand .bname { font-family: var(--serif); font-weight: 600; font-size: 1.12rem; color: var(--navy-900); line-height: 1; }
.brand .bsub { font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-500); font-weight: 600; }
.nav { display: flex; align-items: center; gap: 30px; }
.nav a.link { font-size: .94rem; font-weight: 500; color: var(--navy-800); transition: color .2s; }
.nav a.link:hover { color: var(--gold-500); }
.nav-cta { display: flex; align-items: center; gap: 14px; }
.hamburger { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy-900); margin: 5px 0; transition: .3s; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(180deg, var(--cream) 0%, var(--cream-200) 100%); overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding-top: 76px; padding-bottom: 84px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px; background: var(--white);
  border: 1px solid var(--line); padding: 8px 16px; border-radius: 100px;
  font-size: .82rem; font-weight: 600; color: var(--navy-800); box-shadow: var(--shadow-sm); margin-bottom: 26px;
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: #34A853; }
.hero h1 { font-size: clamp(2.7rem, 5.2vw, 4.3rem); }
.hero h1 .accent { color: var(--gold-500); font-style: italic; }
.hero .lead { font-size: 1.18rem; color: var(--muted); margin: 24px 0 32px; max-width: 520px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.hero-trust { margin-top: 30px; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; color: var(--muted); font-size: .9rem; }
.hero-trust .stars { color: var(--gold-500); letter-spacing: 2px; font-size: 1.05rem; }
.hero-trust .sep { width: 1px; height: 20px; background: var(--line); }

.hero-media { position: relative; }
.hero-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; height: 540px; object-fit: cover; }
.hero-float {
  position: absolute; left: -28px; bottom: 40px; background: var(--white);
  border-radius: 16px; padding: 18px 22px; box-shadow: var(--shadow-md); max-width: 230px;
  border: 1px solid var(--line);
}
.hero-float .big { font-family: var(--serif); font-size: 1.8rem; color: var(--navy-900); font-weight: 600; }
.hero-float .cap { font-size: .82rem; color: var(--muted); }
.hero-float.top { top: 34px; bottom: auto; left: auto; right: -22px; max-width: 210px; }

/* ---------- Trust bar ---------- */
.trustbar { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.trustbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding: 28px 24px; flex-wrap: wrap; }
.trustbar .ti { display: flex; align-items: center; gap: 12px; color: var(--navy-800); font-weight: 600; font-size: .96rem; }
.trustbar .ti svg { color: var(--gold-500); flex: 0 0 auto; }
.trustbar .ti span small { display: block; font-weight: 500; color: var(--muted); font-size: .8rem; }

/* ---------- Section heading ---------- */
.shead { max-width: 640px; margin: 0 auto 56px; text-align: center; }
.shead.left { text-align: left; margin-left: 0; }
.shead h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); margin-top: 14px; }
.shead p { color: var(--muted); font-size: 1.08rem; margin-top: 16px; }

/* ---------- Mortgage protection (feature) ---------- */
.feature { background: var(--navy-900); color: var(--white); position: relative; }
.feature h2, .feature h3 { color: var(--white); }
.feature .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.feature .eyebrow { color: var(--gold-400); }
.feature .lead { color: rgba(255,255,255,.78); font-size: 1.1rem; margin: 20px 0 30px; }
.feature-list { list-style: none; display: grid; gap: 18px; margin-bottom: 32px; }
.feature-list li { display: flex; gap: 14px; align-items: flex-start; }
.feature-list .ico { flex: 0 0 auto; width: 38px; height: 38px; border-radius: 10px; background: rgba(200,162,74,.16); display: grid; place-items: center; color: var(--gold-400); }
.feature-list b { color: var(--white); font-weight: 600; display: block; }
.feature-list small { color: rgba(255,255,255,.66); }
.feature-media img { border-radius: var(--radius-lg); width: 100%; height: 520px; object-fit: cover; box-shadow: var(--shadow-lg); }

/* ---------- Coverage grid ---------- */
.coverage { background: var(--cream); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px 28px; transition: transform .25s, box-shadow .25s; box-shadow: var(--shadow-sm);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.card .ci { width: 52px; height: 52px; border-radius: 14px; background: var(--gold-100); color: var(--navy-800); display: grid; place-items: center; margin-bottom: 20px; }
.card h3 { font-size: 1.28rem; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: .96rem; }

/* ---------- Story ---------- */
.story { background: var(--white); }
.story .wrap { display: grid; grid-template-columns: .9fr 1.1fr; gap: 60px; align-items: center; }
.story-media { position: relative; }
.story-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; height: 560px; object-fit: cover; }
.story-quote { font-family: var(--serif); font-size: 1.7rem; line-height: 1.35; color: var(--navy-900); font-weight: 500; margin: 22px 0; }
.story p { color: var(--muted); margin-bottom: 16px; font-size: 1.04rem; }
.story .sign { font-family: var(--serif); font-size: 1.3rem; color: var(--navy-900); margin-top: 18px; }
.story .sign small { display: block; font-family: var(--sans); font-size: .86rem; color: var(--gold-500); font-weight: 600; letter-spacing: .04em; text-transform: uppercase; margin-top: 4px; }

/* ---------- Steps ---------- */
.steps { background: var(--navy-800); color: var(--white); }
.steps h2 { color: var(--white); }
.steps .grid3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; margin-top: 50px; }
.step { text-align: center; padding: 0 14px; }
.step .num { width: 56px; height: 56px; margin: 0 auto 20px; border-radius: 50%; border: 1.5px solid var(--gold-400); color: var(--gold-400); display: grid; place-items: center; font-family: var(--serif); font-size: 1.4rem; }
.step h3 { color: var(--white); font-size: 1.25rem; margin-bottom: 10px; }
.step p { color: rgba(255,255,255,.72); font-size: .96rem; }

/* ---------- Testimonials ---------- */
.tcards { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.tcard { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 28px; box-shadow: var(--shadow-sm); }
.tcard .stars { color: var(--gold-500); letter-spacing: 2px; margin-bottom: 16px; }
.tcard p { font-size: 1.02rem; color: var(--ink); margin-bottom: 22px; }
.tcard .who { display: flex; align-items: center; gap: 12px; }
.tcard .av { width: 44px; height: 44px; border-radius: 50%; background: var(--navy-800); color: var(--gold-400); display: grid; place-items: center; font-weight: 600; font-family: var(--serif); }
.tcard .who b { display: block; font-size: .95rem; }
.tcard .who small { color: var(--muted); font-size: .84rem; }

/* ---------- FAQ ---------- */
.faq { background: var(--cream); }
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: 14px; margin-bottom: 14px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 22px 26px;
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  font-family: var(--serif); font-size: 1.12rem; font-weight: 600; color: var(--navy-900); }
.faq-q .pm { flex: 0 0 auto; width: 26px; height: 26px; border-radius: 50%; background: var(--gold-100); color: var(--navy-800); display: grid; place-items: center; font-size: 1.2rem; transition: transform .3s; }
.faq-item.open .pm { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a p { padding: 0 26px 24px; color: var(--muted); }

/* ---------- Final CTA ---------- */
.cta {
  background: radial-gradient(120% 140% at 50% 0%, var(--navy-700) 0%, var(--navy-900) 60%);
  color: var(--white); text-align: center;
}
.cta h2 { color: var(--white); font-size: clamp(2.1rem, 4vw, 3.1rem); }
.cta p { color: rgba(255,255,255,.8); font-size: 1.12rem; max-width: 560px; margin: 18px auto 32px; }
.cta .consent { font-size: .8rem; color: rgba(255,255,255,.55); max-width: 620px; margin: 26px auto 0; line-height: 1.5; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: rgba(255,255,255,.66); padding: 64px 0 30px; font-size: .9rem; }
.footer .cols { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.4fr; gap: 40px; margin-bottom: 44px; }
.footer .brand img { height: 56px; width: 56px; border-radius: 50%; background: #fff; padding: 3px; }
.footer h4 { color: var(--white); font-family: var(--sans); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 16px; }
.footer a { color: rgba(255,255,255,.7); display: block; margin-bottom: 10px; transition: color .2s; }
.footer a:hover { color: var(--gold-400); }
.footer .fdesc { margin: 16px 0; max-width: 320px; line-height: 1.6; }
.footer .legal { border-top: 1px solid rgba(255,255,255,.12); padding-top: 24px; font-size: .78rem; color: rgba(255,255,255,.5); line-height: 1.6; }
.footer .legal .npn { color: var(--gold-400); font-weight: 600; }
.footer .legal p { margin-bottom: 10px; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 940px) {
  .hero .wrap, .feature .wrap, .story .wrap { grid-template-columns: 1fr; }
  .hero-media { order: -1; }
  .hero-media img { height: 380px; }
  .feature-media { display: none; }
  .story-media img { height: 420px; }
  .cards, .tcards, .steps .grid3 { grid-template-columns: 1fr; }
  .nav .link { display: none; }
}
@media (max-width: 760px) {
  .section { padding: 70px 0; }
  .hero-float { display: none; }
  .hero-media img { height: 340px; }
  .topbar .t-right { gap: 14px; }
  .topbar .hide-sm { display: none; }
  .nav-cta .btn-ghost { display: none; }
  .nav { gap: 12px; }
  .hamburger { display: block; }
  .nav.open { display: flex; flex-direction: column; position: absolute; top: 78px; left: 0; right: 0;
    background: var(--cream); padding: 20px 24px; border-bottom: 1px solid var(--line); gap: 16px; box-shadow: var(--shadow-md); }
  .nav.open .link { display: block; font-size: 1.05rem; }
  .footer .cols { grid-template-columns: 1fr 1fr; }
  .trustbar .wrap { gap: 18px; }
  .trustbar .ti { flex: 1 1 40%; }
}
@media (max-width: 480px) {
  .footer .cols { grid-template-columns: 1fr; }
  .hero-float { display: none; }
}