/* ModernMortgages.ca — light, clean theme */
:root{
  --orange:#ED5204;          /* wordmark orange (brand) */
  --orange-2:#F79421;        /* roof / accent orange */
  --orange-ink:#C2410C;      /* accessible orange for small text on white */
  --orange-50:#FFF4EC;
  --orange-100:#FFE6D3;
  --ink:#111111;
  --ink-2:#333333;
  --muted:#5F6368;
  --line:#E9E6E1;
  --bg:#FFFFFF;
  --bg-soft:#FAF8F5;
  --bg-dark:#121212;
  --ok:#0F8A4B;
  --warn:#B45309;
  --radius:18px;
  --radius-sm:12px;
  --shadow:0 1px 2px rgba(17,17,17,.04),0 8px 24px rgba(17,17,17,.06);
  --shadow-lg:0 2px 4px rgba(17,17,17,.04),0 24px 48px rgba(17,17,17,.10);
  --max:1180px;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4{line-height:1.12;letter-spacing:-.025em;margin:0 0 .5em;font-weight:800}
h1{font-size:clamp(2.4rem,5.4vw,4.1rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem)}
h3{font-size:1.2rem;letter-spacing:-.01em;font-weight:700}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
@media (max-width:600px){.container{padding:0 16px}}
.accent{color:var(--orange)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-ink);margin-bottom:14px}
.eyebrow::before{content:"";width:18px;height:2px;background:var(--orange-2);border-radius:2px}
.lead{font-size:1.15rem;color:var(--muted);max-width:620px}
.section{padding:96px 0}
.section-soft{background:var(--bg-soft)}
.section-head{max-width:680px;margin-bottom:48px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow::before{display:none}
@media (max-width:700px){.section{padding:64px 0}}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;border-radius:8px;z-index:100}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--orange-2);outline-offset:2px;border-radius:6px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:999px;font-weight:700;font-size:.98rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;white-space:nowrap;font-family:inherit}
.btn svg{width:18px;height:18px;flex:none}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 6px 18px rgba(237,82,4,.28)}
.btn-primary:hover{background:#D84A03;transform:translateY(-1px)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:#000;transform:translateY(-1px)}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink);transform:translateY(-1px)}
.btn-sm{padding:10px 16px;font-size:.9rem}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid transparent;transition:border-color .2s}
.site-header.scrolled{border-bottom-color:var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:24px}
.brand img{height:44px;width:auto}
.nav-links{display:flex;gap:30px;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink-2)}
.nav-links a:hover{color:var(--orange)}
.nav-cta{display:flex;gap:10px;align-items:center}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:12px;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer}
.menu-btn svg{width:22px;height:22px}
.mobile-menu{display:none}
@media (max-width:1020px){
  .nav-links,.nav-cta .btn-ghost{display:none}
  .menu-btn{display:inline-flex}
  .mobile-menu.open{display:block;border-top:1px solid var(--line);background:#fff;padding:12px 16px 20px}
  .mobile-menu a{display:block;padding:12px 4px;text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
  .mobile-menu .btn{width:100%;margin-top:12px;border-bottom:none}
}
@media (max-width:520px){.brand img{height:34px}.nav-cta .btn-primary{display:none}.nav{height:66px}}

/* Hero */
.hero{position:relative;padding:72px 0 88px;overflow:hidden;background:
  radial-gradient(900px 480px at 92% -10%,var(--orange-50),transparent 60%),
  radial-gradient(700px 400px at -10% 110%,#F4F1EC,transparent 60%),#fff}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero h1 .accent{display:block}
.hero .lead{margin:18px 0 30px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.chips{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:40px}
.chip{display:flex;gap:10px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px 12px;font-size:.84rem;line-height:1.25}
.chip strong{display:block;font-size:.88rem}
.chip span{color:var(--muted)}
.chip .ic{width:34px;height:34px;flex:none;border-radius:10px;background:var(--orange-50);color:var(--orange);display:grid;place-items:center}
.chip .ic svg{width:18px;height:18px}
.hero-photo{position:relative;justify-self:center;max-width:440px;width:100%}
.hero-photo .frame{border-radius:28px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/4.6;background:#e9edf2}
.hero-photo .frame img{width:100%;height:100%;object-fit:cover;object-position:50% 20%}
.hero-photo .roof{position:absolute;left:50%;top:-34px;transform:translateX(-50%);width:62%;color:var(--orange-2)}
.badge-float{position:absolute;background:#fff;border-radius:16px;box-shadow:var(--shadow-lg);padding:12px 16px;font-size:.85rem;line-height:1.3}
.badge-float strong{display:block;font-size:1rem}
.badge-float.b1{left:-28px;bottom:36px}
.badge-float.b2{right:-22px;top:42px;text-align:center}
.badge-float.b2 strong{font-size:1.6rem;color:var(--orange);letter-spacing:-.02em}
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .hero-photo{max-width:340px;margin-top:8px}
  .chips{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:520px){
  .hero{padding:48px 0 64px}
  .badge-float.b1{left:-6px;bottom:16px}
  .badge-float.b2{right:-6px;top:20px}
  .hero-ctas .btn{flex:1 1 100%}
}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);background:var(--ink);color:#fff;border-radius:24px;padding:34px 20px;margin-top:-44px;position:relative;z-index:2;box-shadow:var(--shadow-lg)}
.stat{text-align:center;padding:4px 10px;border-right:1px solid rgba(255,255,255,.12)}
.stat:last-child{border-right:0}
.stat b{display:block;font-size:clamp(1.8rem,3.4vw,2.5rem);font-weight:800;letter-spacing:-.03em;color:var(--orange-2);line-height:1.1}
.stat span{font-size:.9rem;color:#cfcfcf}
@media (max-width:700px){.stats{grid-template-columns:repeat(2,1fr);row-gap:22px}.stat:nth-child(2){border-right:0}}

/* Cards / services */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:960px){.grid-3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.grid-3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#ddd7cf}
.card .ic{width:48px;height:48px;border-radius:14px;background:var(--orange-50);color:var(--orange);display:grid;place-items:center;margin-bottom:18px}
.card .ic svg{width:24px;height:24px}
.card p{color:var(--muted);margin:0;font-size:.98rem}

/* About */
.about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.about-media{position:relative}
.about-media .frame{border-radius:24px;overflow:hidden;aspect-ratio:1/1.05;background:#e9edf2}
.about-media .frame img{width:100%;height:100%;object-fit:cover;object-position:50% 18%}
.about-media .cobrand{position:absolute;left:20px;right:20px;bottom:-26px;background:#000;border-radius:16px;padding:12px 16px;box-shadow:var(--shadow-lg)}
.id-card{background:#000;color:#fff;border-radius:26px;padding:30px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.id-card::before{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(247,148,33,.35),transparent 70%)}
.id-top{display:flex;gap:16px;align-items:center;margin-bottom:22px;position:relative}
.id-av{width:76px;height:76px;border-radius:50%;object-fit:cover;border:3px solid var(--orange-2)}
.id-top b{display:block;font-size:1.2rem}
.id-top span{color:#bdbdbd;font-size:.92rem}
.id-list{margin:0 0 22px;display:grid;gap:0;position:relative}
.id-list div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid #242424;font-size:.95rem}
.id-list dt{color:#a8a8a8}
.id-list dd{margin:0;font-weight:700;text-align:right}
.id-cobrand{width:100%;height:auto;border-radius:10px}
.checklist{list-style:none;padding:0;margin:24px 0 30px;display:grid;gap:12px}
.checklist li{display:flex;gap:12px;align-items:flex-start;font-weight:500}
.checklist svg{width:22px;height:22px;flex:none;color:var(--orange);margin-top:2px}
@media (max-width:900px){.about-grid{grid-template-columns:1fr;gap:56px}.about-media{max-width:460px}}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
.step{position:relative;padding:26px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.step::before{counter-increment:step;content:"0" counter(step);font-weight:800;font-size:.9rem;color:var(--orange);letter-spacing:.05em;display:block;margin-bottom:10px}
.step p{color:var(--muted);font-size:.95rem;margin:0}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:540px){.steps{grid-template-columns:1fr}}

/* Calculators */
.calc-shell{background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow);overflow:hidden}
.tabs{display:flex;gap:6px;padding:10px;background:var(--bg-soft);border-bottom:1px solid var(--line);overflow-x:auto;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab{flex:1 0 auto;display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;border-radius:12px;border:0;background:transparent;font:inherit;font-weight:600;font-size:.95rem;color:var(--ink-2);cursor:pointer}
.tab svg{width:18px;height:18px}
.tab[aria-selected="true"]{background:#fff;color:var(--ink);box-shadow:0 1px 3px rgba(0,0,0,.08)}
.tab[aria-selected="true"] svg{color:var(--orange)}
.calc-panel{display:grid;grid-template-columns:1.15fr .85fr;gap:0}
.calc-panel[hidden]{display:none}
.calc-inputs{padding:32px;display:grid;gap:22px;align-content:start}
.calc-results{padding:32px;background:var(--bg-soft);border-left:1px solid var(--line);display:flex;flex-direction:column;gap:16px}
@media (max-width:880px){.calc-panel{grid-template-columns:1fr}.calc-results{border-left:0;border-top:1px solid var(--line)}}
@media (max-width:520px){.calc-inputs,.calc-results{padding:22px 18px}}
.field label,.field .lbl{display:flex;justify-content:space-between;align-items:center;gap:12px;font-weight:600;font-size:.94rem;margin-bottom:8px}
.field .hint{font-weight:500;color:var(--muted);font-size:.82rem}
.num{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;background:#fff;padding:0 10px;min-width:0;width:150px}
.num:focus-within{border-color:var(--orange-2);box-shadow:0 0 0 3px var(--orange-100)}
.num span{color:var(--muted);font-size:.9rem}
.num input{border:0;outline:0;width:100%;padding:8px 4px;font:inherit;font-weight:700;text-align:right;background:transparent;color:var(--ink);-moz-appearance:textfield}
.num input::-webkit-outer-spin-button,.num input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:linear-gradient(to right,var(--orange) 0%,var(--orange) var(--p,50%),#E8E4DE var(--p,50%));outline:none;cursor:pointer;margin:6px 0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--orange);box-shadow:0 2px 6px rgba(0,0,0,.15)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--orange);box-shadow:0 2px 6px rgba(0,0,0,.15)}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:520px){.row-2{grid-template-columns:1fr}}
select,.select{width:100%;font:inherit;font-weight:600;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
.toggle{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.94rem;cursor:pointer}
.toggle input{width:18px;height:18px;accent-color:var(--orange)}
.result-hero{background:var(--ink);color:#fff;border-radius:18px;padding:24px}
.result-hero .k{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:#bdbdbd;font-weight:700}
.result-hero .v{font-size:clamp(2.2rem,5vw,2.9rem);font-weight:800;letter-spacing:-.03em;color:var(--orange-2);line-height:1.1;margin:6px 0 2px}
.result-hero .s{color:#cfcfcf;font-size:.9rem}
.kv{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.kv > div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px}
.kv .k{font-size:.8rem;color:var(--muted);font-weight:600}
.kv .v{font-size:1.15rem;font-weight:800;letter-spacing:-.01em}
.kv .v.good{color:var(--ok)}
.note{font-size:.82rem;color:var(--muted);margin:0}
.alert{border-radius:12px;padding:12px 14px;font-size:.88rem;background:#FFF7E6;border:1px solid #F8DDA8;color:#7A4A00}
.alert.ok{background:#ECF8F1;border-color:#BFE5CF;color:#0B5E35}
.alert[hidden]{display:none}
.bar{height:12px;border-radius:999px;background:#E8E4DE;overflow:hidden;display:flex}
.bar i{display:block;height:100%}
.legend{display:flex;gap:16px;font-size:.8rem;color:var(--muted);flex-wrap:wrap}
.legend b{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.calc-cta{display:flex;gap:10px;flex-wrap:wrap}
.calc-cta .btn{flex:1}

/* App */
.app{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;background:linear-gradient(135deg,var(--orange-50),#fff 70%);border:1px solid var(--orange-100);border-radius:28px;padding:56px}
.app-feats{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.app-feat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}
.app-feat b{display:block;margin-bottom:2px}
.app-feat span{color:var(--muted);font-size:.9rem}
@media (max-width:900px){.app{grid-template-columns:1fr;padding:32px 22px}}
@media (max-width:460px){.app-feats{grid-template-columns:1fr}}

/* Testimonials */
figure.card{margin:0}
.quote{display:flex;flex-direction:column;justify-content:space-between;gap:20px}
.quote blockquote{margin:0;font-size:1.04rem;color:var(--ink-2)}
.stars{color:var(--orange-2);letter-spacing:2px;font-size:1rem}
.who{display:flex;align-items:center;gap:12px}
.who .av{width:42px;height:42px;border-radius:50%;background:var(--orange-50);color:var(--orange);display:grid;place-items:center;font-weight:800}
.who b{display:block;font-size:.95rem}
.who span{font-size:.85rem;color:var(--muted)}

/* FAQ */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 22px}
.faq summary{list-style:none;cursor:pointer;padding:20px 0;font-weight:700;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;font-weight:400;color:var(--orange);line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);margin:0 0 20px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.contact-card{display:flex;flex-direction:column;gap:12px;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:transform .2s,box-shadow .2s}
.contact-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.contact-card.primary{background:var(--orange);color:#fff;border-color:var(--orange)}
.contact-card.primary p{color:#ffe9dc}
.contact-card .ic{width:48px;height:48px;border-radius:14px;background:var(--orange-50);color:var(--orange);display:grid;place-items:center}
.contact-card.primary .ic{background:rgba(255,255,255,.18);color:#fff}
.contact-card .ic svg{width:24px;height:24px}
.contact-card h3{margin:0}
.contact-card p{margin:0;color:var(--muted)}
.contact-card .go{margin-top:auto;font-weight:700;display:inline-flex;gap:6px;align-items:center}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}

/* Footer */
.site-footer{background:var(--bg-dark);color:#d6d6d6;padding:72px 0 28px;font-size:.94rem}
.site-footer a{color:#d6d6d6;text-decoration:none}
.site-footer a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot-grid h4{color:#fff;font-size:.95rem;letter-spacing:0;margin-bottom:14px}
.foot-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.foot-logo{height:44px;width:auto;margin-bottom:18px}
.socials{display:flex;gap:10px;margin-top:18px}
.socials a{width:40px;height:40px;border-radius:12px;background:#1f1f1f;display:grid;place-items:center}
.socials a:hover{background:var(--orange)}
.socials svg{width:18px;height:18px}
.foot-legal{border-top:1px solid #262626;margin-top:48px;padding-top:24px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;font-size:.82rem;color:#9a9a9a}
.foot-legal img{height:44px;width:auto}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* Mobile sticky action bar */
.mobile-bar{display:none}
@media (max-width:700px){
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-top:1px solid var(--line)}
  .mobile-bar .btn{padding:12px 10px}
  body{padding-bottom:76px}
}

/* Reveal */
.reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}