/* ============================================
   FirstTimeHB.com – Clean Multi-Page Styles
   ============================================ */

:root {
  --primary: #0d6e8a;
  --primary-dark: #0a556b;
  --primary-light: #1490b3;
  --accent: #f5c518;
  --accent-hover: #e0b000;
  --text: #1e293b;
  --text-light: #64748b;
  --bg: #ffffff;
  --bg-alt: #f8fafc;
  --bg-dark: #0f172a;
  --border: #e2e8f0;
  --radius: 10px;
  --shadow: 0 4px 20px rgba(0,0,0,0.08);
  --max-width: 1140px;
  --font: "Segoe UI", system-ui, -apple-system, sans-serif;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
}

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

a {
  color: var(--primary);
  text-decoration: none;
  transition: color 0.2s;
}

a:hover {
  color: var(--primary-dark);
}

ul {
  list-style: none;
}

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 70px 0;
}

.section-alt {
  background: var(--bg-alt);
}

.section-dark {
  background: linear-gradient(135deg, #0d6e8a 0%, #0a4d63 100%);
  color: #fff;
}

/* ---------- Header / Nav ---------- */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 8px rgba(0,0,0,0.05);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo img {
  height: 42px;
  width: auto;
}

.main-nav {
  display: flex;
  gap: 28px;
  align-items: center;
}

.main-nav a {
  color: var(--text);
  font-weight: 500;
  font-size: 15px;
}

.main-nav a:hover,
.main-nav a.active {
  color: var(--primary);
}

.nav-cta {
  background: var(--accent);
  color: #1e293b !important;
  padding: 9px 18px;
  border-radius: 6px;
  font-weight: 600;
}

.nav-cta:hover {
  background: var(--accent-hover);
}

/* Mobile menu */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 26px;
  cursor: pointer;
  color: var(--text);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  text-align: center;
  transition: all 0.2s;
  border: none;
  cursor: pointer;
}

.btn-primary {
  background: var(--accent);
  color: #1e293b;
}

.btn-primary:hover {
  background: var(--accent-hover);
  color: #1e293b;
}

.btn-secondary {
  background: transparent;
  color: #fff;
  border: 2px solid #fff;
}

.btn-secondary:hover {
  background: #fff;
  color: var(--primary);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}

.btn-outline:hover {
  background: var(--primary);
  color: #fff;
}

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, #0d6e8a 0%, #0a556b 60%, #087a9a 100%);
  color: #fff;
  padding: 80px 0 90px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 50px;
  align-items: center;
}

.hero h1 {
  font-size: 2.75rem;
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 12px;
}

.hero .tagline {
  font-size: 1.35rem;
  font-weight: 400;
  opacity: 0.95;
  margin-bottom: 22px;
}

.hero p {
  font-size: 1.05rem;
  opacity: 0.92;
  max-width: 540px;
  margin-bottom: 8px;
}

.hero-image {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(0,0,0,0.25);
}

.hero-image img {
  width: 100%;
  height: auto;
}

/* ---------- Section headings ---------- */
.section-title {
  text-align: center;
  margin-bottom: 48px;
}

.section-title h2 {
  font-size: 2rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
}

.section-title p {
  color: var(--text-light);
  font-size: 1.1rem;
  max-width: 600px;
  margin: 0 auto;
}

/* ---------- Feature cards ---------- */
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 28px;
}

.feature-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  transition: transform 0.2s, box-shadow 0.2s;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.feature-card .icon {
  width: 56px;
  height: 56px;
  background: #e0f4fa;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 24px;
  color: var(--primary);
}

.feature-card h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.feature-card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* ---------- Loan cards ---------- */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}

.loan-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
}

.loan-card h3 {
  font-size: 1.3rem;
  color: var(--primary);
  margin-bottom: 12px;
}

.loan-card p {
  color: var(--text-light);
  flex-grow: 1;
  margin-bottom: 20px;
}

/* ---------- App section ---------- */
.app-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.app-section video {
  width: 100%;
  border-radius: 12px;
  box-shadow: var(--shadow);
}

.app-content h2 {
  font-size: 1.9rem;
  margin-bottom: 16px;
}

.app-content p {
  color: var(--text-light);
  margin-bottom: 20px;
}

/* ---------- Two-column content ---------- */
.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.content-grid img {
  border-radius: 12px;
  box-shadow: var(--shadow);
}

.content-grid h2 {
  font-size: 1.9rem;
  margin-bottom: 16px;
}

.content-grid p {
  color: var(--text-light);
  margin-bottom: 14px;
}

/* ---------- Values / Why Us ---------- */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
  margin-top: 40px;
}

.value-card {
  text-align: center;
  padding: 24px;
}

.value-card h3 {
  font-size: 1.2rem;
  margin-bottom: 8px;
  color: var(--primary);
}

.value-card p {
  color: var(--text-light);
  font-size: 0.95rem;
}

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
}

.contact-info h3 {
  font-size: 1.2rem;
  margin-bottom: 8px;
  margin-top: 24px;
}

.contact-info h3:first-child {
  margin-top: 0;
}

.contact-info p,
.contact-info a {
  color: var(--text-light);
}

.contact-info a:hover {
  color: var(--primary);
}

.contact-card {
  background: var(--bg-alt);
  border-radius: var(--radius);
  padding: 32px;
}

/* ---------- Mortgage calculator ---------- */
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
  max-width: 900px;
  margin: 0 auto;
}

.calculator-inputs,
.calculator-results {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
}

.calculator .section-subtitle {
  text-align: center;
  color: var(--text-light);
  max-width: 640px;
  margin: -28px auto 36px;
  font-size: 0.98rem;
}

.input-group {
  margin-bottom: 18px;
}

.input-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 6px;
}

.input-with-prefix {
  display: flex;
  align-items: center;
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
}

.input-prefix,
.input-suffix {
  padding: 12px 12px;
  background: var(--bg-alt);
  color: var(--text-light);
  font-weight: 600;
}

.input-with-prefix input,
.input-group select {
  flex: 1;
  border: none;
  padding: 12px 14px;
  font-size: 1rem;
  font-family: inherit;
  width: 100%;
  background: transparent;
}

.input-group select {
  border: 1px solid var(--border);
  border-radius: 8px;
}

.input-with-prefix input:focus,
.input-group select:focus {
  outline: none;
}

.input-helper {
  display: inline-block;
  margin-top: 6px;
  font-size: 0.85rem;
  color: var(--primary);
  font-weight: 600;
}

.result-main {
  text-align: center;
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
}

.result-label {
  display: block;
  font-size: 0.9rem;
  color: var(--text-light);
  margin-bottom: 6px;
}

.result-value {
  display: block;
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.2;
}

.result-sublabel {
  display: block;
  font-size: 0.85rem;
  color: var(--text-light);
  margin-top: 4px;
}

.result-breakdown {
  margin-bottom: 20px;
}

.breakdown-item {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  font-size: 0.95rem;
  color: var(--text-light);
  border-bottom: 1px solid var(--border);
}

.breakdown-item strong {
  color: var(--text);
}

.result-note {
  margin-top: 12px;
  font-size: 0.8rem;
  color: var(--text-light);
  text-align: center;
}

.button-block {
  width: 100%;
  text-align: center;
}

@media (max-width: 700px) {
  .calculator-wrapper {
    grid-template-columns: 1fr;
  }
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--bg-dark);
  color: #94a3b8;
  padding: 50px 0 30px;
  font-size: 0.9rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-grid h4 {
  color: #fff;
  font-size: 1rem;
  margin-bottom: 14px;
}

.footer-grid a {
  color: #94a3b8;
  display: block;
  margin-bottom: 8px;
}

.footer-grid a:hover {
  color: #fff;
}

.footer-bottom {
  border-top: 1px solid #1e293b;
  padding-top: 24px;
  text-align: center;
  font-size: 0.85rem;
}

.footer-bottom img {
  display: inline-block;
  vertical-align: middle;
  margin-right: 8px;
  height: 28px;
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-20 { margin-top: 20px; }
.mb-20 { margin-bottom: 20px; }
.lead { font-size: 1.15rem; color: var(--text-light); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid,
  .app-section,
  .content-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    font-size: 2.2rem;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
}

@media (max-width: 700px) {
  .main-nav {
    display: none;
  }

  .menu-toggle {
    display: block;
  }

  .main-nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: #fff;
    padding: 20px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow);
    gap: 16px;
  }

  .hero {
    padding: 50px 0 60px;
  }

  .section {
    padding: 50px 0;
  }

  .btn-group {
    flex-direction: column;
  }

  .btn-group .btn {
    width: 100%;
  }
}