/* ============================================================
   FHA Solutions Inc — Home Financing Advisory Desk Theme
   DARK palette (bay-st-office + loonie-brass + key-mint)
   ============================================================ */

:root{
  --bay-st-office:#131820;
  --deeper-office:#0E1218;
  --advisor-panel:#1C222E;
  --boardroom-deep:#262E3C;
  --document-white:#F4F8FA;
  --slate-mist:#C2CCD4;
  --loonie-brass:#C9A24E;
  --key-mint:#7FC0A6;
  --red-ink:#C25648;
  --hairline:#2B3442;
}

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

html{scroll-behavior:smooth;}

body{
  font-size:16px;
  font-family:"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background-color:var(--bay-st-office);
  color:var(--slate-mist);
  line-height:1.7;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

.home-page{background-color:var(--bay-st-office);}

a{color:var(--key-mint);text-decoration:none;}
a:hover{color:var(--loonie-brass);}

img{max-width:100%;display:block;}

/* ================= NAMEPLATE-RAIL NAV ================= */
.namplate-wrap{
  position:sticky;
  top:0;
  z-index:60;
}

.nameplate-nav{
  background-color:var(--advisor-panel);
  width:100%;
}

.nameplate-strip{
  height:24px;
  background-color:var(--boardroom-deep);
  border-bottom:1px solid var(--hairline);
  display:flex;
  align-items:center;
  padding:0 24px;
}

.nameplate-rail-line{
  flex:1;
  height:1px;
  background-color:#AEB8C2;
}

.nameplate-chip{
  height:16px;
  margin:0 14px;
  background-color:var(--loonie-brass);
  border-radius:6px;
  padding:0 14px;
  display:flex;
  align-items:center;
  color:#0E1218;
  font-size:9px;
  letter-spacing:2px;
  text-transform:uppercase;
  font-weight:700;
}

.nav-row{
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:12px;
  padding:14px 40px;
  max-width:1240px;
  margin:0 auto;
}

.brand{
  display:flex;
  align-items:center;
  gap:10px;
  color:var(--document-white);
  font-size:21px;
  font-weight:700;
  letter-spacing:2.5px;
  text-transform:uppercase;
}

.model-house-glyph{
  width:18px;
  height:16px;
  border:2px solid var(--document-white);
  border-radius:2px;
  position:relative;
  display:inline-flex;
  align-items:flex-end;
  justify-content:center;
  background-color:var(--boardroom-deep);
}

.model-house-glyph::before{
  content:"";
  position:absolute;
  top:-5px;left:-2px;
  width:18px;height:9px;
  border:2px solid var(--loonie-brass);
  border-bottom:none;
  border-radius:2px 2px 0 0;
}

.model-house-glyph::after{
  content:"";
  position:absolute;
  top:3px;left:2px;
  width:20px;height:2px;
  background-color:var(--loonie-brass);
}

.brand .model-house-glyph{flex:none;}

.nav-links{
  display:flex;
  align-items:center;
  gap:8px;
  list-style:none;
  flex-wrap:wrap;
}

.nav-links li{display:flex;align-items:center;gap:8px;}
.nav-links li::after{
  content:"";
  width:4px;height:4px;
  border-radius:50%;
  background-color:var(--key-mint);
}
.nav-links li:last-child::after{display:none;}

.nav-links a{
  color:var(--slate-mist);
  text-transform:uppercase;
  letter-spacing:1px;
  font-size:13px;
  font-weight:600;
  padding:6px 2px;
  position:relative;
}

.nav-links a:hover,
.nav-links a[aria-current="page"],
.nav-links a.active{
  color:var(--loonie-brass);
}

.nav-links a:hover::after{
  content:"";
  position:absolute;
  left:0;right:0;bottom:0;
  height:2px;
  background-color:var(--loonie-brass);
}

.nav-toggle{
  display:none;
  background-color:transparent;
  border:1px solid var(--hairline);
  color:var(--document-white);
  font-size:16px;
  padding:6px 12px;
  border-radius:4px;
  cursor:pointer;
}

/* ================= CONTAINER ================= */
.wrap{max-width:1160px;margin:0 auto;padding:0 24px;}
.section-pad{padding:84px 24px;}

/* ================= MODEL-HOUSE DESK HERO ================= */
.modelhouse-hero{
  background-color:var(--bay-st-office);
  padding:72px 24px 64px;
}

.hero-grid{
  max-width:1160px;
  margin:0 auto;
  display:grid;
  grid-template-columns:55% 45%;
  gap:44px;
  align-items:center;
}

.eyebrow-chip{
  display:inline-block;
  background-color:var(--loonie-brass);
  color:#0E1218;
  font-size:12px;
  font-weight:700;
  letter-spacing:1.5px;
  text-transform:uppercase;
  padding:7px 14px;
  border-radius:3px;
  margin-bottom:24px;
}

.hero-title{
  font-size:52px;
  line-height:1.08;
  color:var(--document-white);
  font-weight:700;
  margin-bottom:22px;
}

.hero-title .brass{color:var(--loonie-brass);}
.hero-title .mint{color:var(--key-mint);}

.hero-sub{
  font-size:18px;
  color:var(--slate-mist);
  max-width:520px;
  margin-bottom:32px;
}

.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-top:8px;}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:14px 26px;
  font-size:15px;
  font-weight:700;
  letter-spacing:1px;
  border-radius:4px;
  cursor:pointer;
  transition:transform .15s ease,background-color .2s ease,color .2s ease;
  border:none;
}

.btn-primary{
  background-color:var(--loonie-brass);
  color:#0E1218;
}
.btn-primary:hover{background-color:var(--document-white);}

.btn-mint{
  background-color:transparent;
  color:var(--key-mint);
  border:1px solid var(--key-mint);
}
.btn-mint:hover{background-color:var(--key-mint);color:#0E1218;}

/* Advisor desk stage */
.desk-stage{position:relative;}

.advisor-desk{
  position:relative;
  max-width:430px;
  margin:0 auto;
  min-height:430px;
}

.desk-surface{
  position:absolute;
  left:0;right:0;bottom:18px;
  height:30px;
  background-color:var(--boardroom-deep);
  border-radius:4px 4px 0 0;
  border-bottom:4px solid var(--loonie-brass);
  box-shadow:0 8px 24px rgba(0,0,0,0.35);
}

/* Model house cutaway */
.model-house{
  position:absolute;
  left:34px;bottom:66px;
  width:128px;
  background-color:#F0E4C8;
  border:2px solid var(--document-white);
  border-radius:4px;
  opacity:.0;
  animation:floatHouse 1s forwards;
}

.model-house .roof{
  height:34px;
  background-color:#E6D3A8;
  clip-path:polygon(0 100%,50% 0,100% 100%);
  position:relative;
}

.model-house .coin-slot{
  position:absolute;
  top:8px;left:50%;
  transform:translateX(-50%);
  width:34px;height:4px;
  background-color:var(--loonie-brass);
  border-radius:2px;
}

.model-house .body{height:40px;position:relative;border-top:1px solid #Cbbd97;}
.model-house .win{
  position:absolute;
  top:8px;left:16px;
  width:16px;height:16px;
  background-color:var(--key-mint);
  border-radius:2px;
  box-shadow:0 0 14px rgba(127,192,166,.7);
}
.model-house .door{
  position:absolute;
  top:8px;right:14px;
  width:14px;height:30px;
  background:#D8B06a;
}
.model-house .flagpin{
  position:absolute;top:30px;right:6px;
}
.model-house .flagpin .pole{width:2px;height:16px;background:#7b6a4d;margin:0 auto;}
.model-house .flagpin .flag{
  width:8px;height:6px;background-color:var(--red-ink);margin:-6px auto 0;
}

/* Ledger */
.ledger-card{
  position:absolute;
  right:18px;bottom:78px;
  width:150px;
  background-color:#F3EBD8;
  border-radius:5px;
  padding:20px 14px 12px;
  box-shadow:0 4px 16px rgba(0,0,0,.4);
  transform:rotate(3deg);
}
.ledger-card .row-bars span{
  display:block;
  height:8px;
  margin-bottom:7px;
  background-color:#B7C2A6;
  border-radius:2px;
}
.ledger-card .row-bars span.g{background-color:var(--key-mint);}
.ledger-card .row-bars span.g::after{content:"";}

.ledger-check{
  position:absolute;right:8px;bottom:6px;
  color:var(--key-mint);font-size:11px;
}

/* Rate board */
.rate-board{
  position:absolute;
  top:0;right:0;
  width:200px;
  background-color:var(--boardroom-deep);
  border:1px solid var(--hairline);
  border-radius:6px;
  padding:14px;
}
.rate-board .rate-top{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:8px;
  font-size:9px;letter-spacing:1px;color:var(--slate-mist);text-transform:uppercase;
}
.rate-board .rate-top .board-light{color:var(--key-mint);font-size:10px;}
.rate-item{display:flex;justify-content:space-between;align-items:center;padding:4px 0;border-bottom:1px solid var(--hairline);}
.rate-item:last-child{border-bottom:none;}
.rate-item .rate-label{font-size:10px;color:var(--slate-mist);text-transform:uppercase;letter-spacing:.5px;}
.flip-num{font-family:"Courier New",monospace;font-size:22px;font-weight:700;color:var(--loonie-brass);letter-spacing:1px;}

/* Calculator */
.calculator{
  position:absolute;
  bottom:96px;left:6px;
  width:92px;
  background-color:#Dde2e8;
  border-radius:6px;
  padding:6px;
}
.calculator .screen{
  background-color:#101418;color:var(--key-mint);
  font-size:12px;text-align:right;padding:3px 5px;border-radius:2px;margin-bottom:4px;
  font-family:"Courier New",monospace;
}
.calculator .keys{display:grid;grid-template-columns:repeat(3,1fr);gap:3px;}
.calculator .keys .k{height:12px;background-color:#424A57;border-radius:2px;}
.calc-paper{
  position:absolute;top:4px;right:-8px;width:10px;height:14px;
  background-color:#F3EBD8;transform:rotate(-18deg);border-radius:2px;
}

/* Stamp */
.approval-stamp{
  position:absolute;
  bottom:26px;right:120px;
  width:86px;
  height:86px;
  border:4px solid var(--loonie-brass);
  border-radius:50%;
  background-color:transparent;
  display:flex;align-items:center;justify-content:center;
  opacity:0;
  animation:stampAppear 1.4s 1s forwards;
  transform:rotate(8deg);
}
.approval-stamp .inner-ring{
  width:64px;height:64px;border:2px solid var(--key-mint);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  color:var(--key-mint);font-size:9px;font-weight:800;letter-spacing:1px;text-transform:uppercase;
  text-align:center;
}

/* Handover envelope */
.handover-envelope{
  position:absolute;
  bottom:160px;right:4px;
  width:110px;height:56px;
  background-color:#F3EBD8;
  border-radius:4px;
  transform:rotate(6deg);
  box-shadow:0 4px 14px rgba(0,0,0,.4);
}
.handover-envelope .flap{
  width:0;height:0;
  border-left:55px solid transparent;
  border-right:55px solid transparent;
  border-top:30px solid #E6D3A8;
  transform:rotate(180deg);
  position:absolute;top:26px;left:0;
}
.brass-key{
  position:absolute;width:24px;height:10px;background-color:var(--loonie-brass);border-radius:3px;
  transform:rotate(30deg);top:-8px;left:8px;
}

@keyframes floatHouse{from{opacity:0;transform:translateY(16px);}to{opacity:1;}} 
@keyframes stampAppear{from{opacity:0;transform:scale(.4) rotate(8deg);}to{opacity:1;}}

/* ================= LEDGER-ROW SECTIONS ================= */
.ledger-heading{
  color:var(--loonie-brass);
  font-size:34px;
  font-weight:700;
  text-align:center;
  margin-bottom:12px;
}
.ledger-kicker{
  text-align:center;
  color:var(--slate-mist);
  max-width:680px;
  margin:0 auto 48px;
  font-size:17px;
}

.ledgerrow-rows{background-color:var(--bay-st-office);}

.ledger-row{
  display:grid;
  grid-template-columns:120px 1fr 180px;
  align-items:center;
  gap:26px;
  background-color:var(--advisor-panel);
  border:1px solid var(--hairline);
  border-radius:8px;
  padding:30px 34px;
  margin-bottom:16px;
}

.milestone-tab{
  background-color:var(--key-mint);
  color:#0E1218;
  font-size:12px;
  font-weight:800;
  letter-spacing:1px;
  padding:7px 10px;
  border-radius:3px;
  text-align:center;
  text-transform:uppercase;
}

.ledger-row h3{color:var(--document-white);font-size:21px;margin-bottom:8px;}
.ledger-row p{color:var(--slate-mist);font-size:16px;}

.target-meter{
  display:flex;align-items:center;gap:10px;
}
.target-track{
  flex:1;
  height:10px;
  background-color:#0E1218;
  border-radius:6px;
  overflow:hidden;
}
.target-fill{
  height:100%;
  background-color:var(--loonie-brass);
  border-radius:6px;
}
.target-tick{color:var(--document-white);font-size:16px;}
.meter-label{
  text-align:right;font-size:11px;color:var(--slate-mist);margin-bottom:6px;text-transform:uppercase;letter-spacing:1px;
}

/* ================= RATE METRIC BAND ================= */
.rate-metric-band{
  background-color:var(--boardroom-deep);
  padding:56px 24px;
}
.metric-grid{
  max-width:1160px;margin:0 auto;
  display:grid;
  grid-template-columns:1fr 1px 1fr 1px 1fr 1px 1fr;
  align-items:center;
  gap:0;
}
.metric-divider{background-color:var(--key-mint);height:70px;width:1px;}
.metric-item{text-align:center;padding:0 16px;}
.metric-num{
  font-size:54px;font-weight:700;color:var(--loonie-brass);
}
.metric-label{
  font-size:12px;letter-spacing:1.5px;color:var(--slate-mist);text-transform:uppercase;margin-top:8px;
}

/* ================= STATEMENT BAND ================= */
.statement-band{background-color:var(--advisor-panel);padding:76px 24px;}
.statement-inner{max-width:900px;margin:0 auto;}
.statement-block{
  border-left:4px solid var(--key-mint);
  padding:8px 0 8px 30px;
}
.statement-block p{font-size:28px;line-height:1.45;color:var(--document-white);}
.statement-author{
  margin-top:22px;color:var(--loonie-brass);font-size:14px;letter-spacing:1px;text-transform:uppercase;
}

/* ================= CTA BAND ================= */
.cta-band{background-color:var(--bay-st-office);padding:76px 24px;text-align:center;}
.cta-band h2{color:var(--loonie-brass);font-size:32px;margin-bottom:14px;}
.cta-band p{color:var(--slate-mist);max-width:640px;margin:0 auto 26px;font-size:18px;}
.cta-band .btn-primary{background-color:var(--loonie-brass);color:#0E1218;}
.cta-band .btn-primary:hover{background-color:var(--document-white);}

/* generic section framework for secondary pages */
.section-head{text-align:center;margin-bottom:16px;}
.section-head .eyebrow-chip{display:inline-block;margin-bottom:14px;}
.section-head h2{color:var(--loonie-brass);font-size:34px;}
.section-head p.kicker{color:var(--slate-mist);max-width:680px;margin:12px auto 0;font-size:17px;}
.section-body{color:var(--slate-mist);}
.section-body p{margin-bottom:16px;}
.section-body h3{color:var(--document-white);font-size:20px;margin:26px 0 8px;}

/* dual panels */
.dual-panels{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:16px;}
.panel-card{background-color:var(--advisor-panel);border:1px solid var(--hairline);border-radius:8px;padding:26px;}
.panel-card .panel-key{color:var(--key-mint);font-size:13px;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:8px;display:flex;align-items:center;gap:8px;}
.panel-card h3{color:var(--document-white);font-size:20px;margin-bottom:10px;}
.panel-card p{color:var(--slate-mist);}

/* list with mint ticks */
.check-list{list-style:none;margin:12px 0;}
.check-list li{padding-left:24px;position:relative;margin-bottom:10px;color:var(--slate-mist);}
.check-list li::before{content:"\2713";position:absolute;left:0;color:var(--key-mint);font-weight:700;}

.plain-list{list-style:none;margin:12px 0;}
.plain-list li{padding:8px 0;border-bottom:1px solid var(--hairline);color:var(--slate-mist);}
.plain-list li strong{color:var(--document-white);}

/* ================= CONTACT page ================= */
.contact-layout{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:24px;}
.contact-form{display:grid;gap:14px;}
.contact-form label{color:var(--document-white);font-size:14px;font-weight:600;letter-spacing:.5px;}
.contact-form input,.contact-form textarea{
  width:100%;
  padding:12px 14px;
  background-color:#0E1218;
  border:1px solid var(--hairline);
  border-radius:5px;
  color:var(--slate-mist);
  font-size:15px;
  font-family:inherit;
}
.contact-form input:focus,.contact-form textarea:focus{outline:none;border-color:var(--key-mint);}
.contact-form textarea{min-height:130px;resize:vertical;}

/* FAQ accordion */
.faq-wrap{margin-top:8px;}
.faq-item{border:1px solid var(--hairline);border-radius:6px;margin-bottom:12px;background-color:var(--advisor-panel);}
.faq-q{
  color:var(--document-white);font-weight:600;font-size:16px;
  cursor:pointer;padding:16px 20px;display:flex;justify-content:space-between;align-items:center;
}
.faq-q .chev{transition:transform .2s ease;}
.faq-item.open .chev{transform:rotate(180deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.faq-a p{padding:0 20px 18px;color:var(--slate-mist);}

/* contact info card */
.info-card{background-color:var(--boardroom-deep);border:1px solid var(--hairline);border-radius:8px;padding:24px;}
.info-card h3{color:var(--loonie-brass);font-size:16px;letter-spacing:1px;text-transform:uppercase;margin-bottom:8px;}
.info-card p{color:var(--slate-mist);margin-bottom:6px;}
.info-card .info-line{display:flex;gap:10px;align-items:flex-start;margin:10px 0;}
.info-card .info-ico{color:var(--key-mint);}

/* ================= FOOTER ================= */
.handoverkey-footer{background-color:var(--deeper-office);}
.key-rail-strip{
  height:20px;
  background-color:#0A0D12;
  border-top:1px solid var(--hairline);
  border-bottom:1px solid var(--hairline);
  display:flex;
  align-items:center;
  gap:34px;
  padding:0 30px;
  overflow:hidden;
}
.key-rail-strip .rail-hook{display:inline-block;position:relative;}
.key-rail-strip .rail-hook::before{content:"\2213";color:var(--loonie-brass);font-size:18px;display:inline-block;}
.footer-top{padding:52px 24px 34px;text-align:center;}
.footer-brand{display:flex;align-items:center;justify-content:center;gap:12px;color:var(--document-white);font-size:22px;font-weight:700;letter-spacing:3px;}
.footer-top .model-house-glyph{margin-right:2px;}
.footer-links{display:flex;justify-content:center;flex-wrap:wrap;gap:4px;margin:24px auto 8px;}
.footer-links a{color:var(--slate-mist);font-size:14px;padding:6px 10px;position:relative;}
.footer-links a:hover{color:var(--loonie-brass);}
.footer-links .fdot{color:var(--key-mint);}
.envelope-divider{display:flex;align-items:center;justify-content:center;gap:18px;margin:20px auto 20px;color:var(--key-mint);}
.footer-legal{color:var(--slate-mist);font-size:14px;position:relative;z-index:1;}
.footer-legal .legal-contact{color:var(--slate-mist);}
@media (max-width:900px){.footer-legal{border-bottom:none;}}

/* ================= REVEAL ================= */
.fade-up{opacity:1;}
.fade-up.visible{}

/* ================= RESPONSIVE ================= */
@media (max-width:900px){
  .nav-toggle{display:block;}
  .nav-row{position:relative;padding:12px 18px;}
  .nav-links{
    display:none;
    width:100%;
    flex-direction:column;
    align-items:flex-start;
    padding:6px 0 10px;
    gap:4px;
  }
  .nav-links.open{display:flex;}
  .nav-links li{width:100%;}
  .nav-links li::after{display:none;}
  .nav-links a{width:100%;display:block;padding:10px 4px;border-bottom:1px solid var(--hairline);}

  .hero-grid{grid-template-columns:1fr;gap:60px;}
  .hero-title{font-size:38px;}
  .advisors-desk-stage{display:block;}
  .desk-stage{min-height:420px;}

  .ledger-row{grid-template-columns:1fr;gap:14px;}
  .milestone-tab{width:100%;text-align:center;}
  .target-meter{max-width:260px;}

  .metric-grid{grid-template-columns:1fr 1fr;gap:24px;}
  .metric-divider{display:none;}
  .metric-num{font-size:44px;}

  .dual-panels{grid-template-columns:1fr;}
  .contact-layout{grid-template-columns:1fr;}
  .statement-block p{font-size:22px;}

  .nameplate-strip{padding:0 14px;}
}

@media (max-width:560px){
  .hero-title{font-size:32px;}
  .brand{font-size:18px;}
  .section-pad{padding:56px 18px;}
  .metric-num{font-size:34px;}
  .footer-links{gap:0;}
  .footer-links a{font-size:12px;padding:6px;}
  .footer-legal{font-size:12px;line-height:1.7;}
}