/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1c2b3a;
  --amber: #e8913a;
  --amber-dark: #c9762a;
  --cream: #f9f7f3;
  --warm-white: #fdfcfa;
  --charcoal: #2e3a47;
  --mid-gray: #6b7585;
  --light-gray: #e8e4df;
  --rule: #d8d3cc;
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--cream);
  color: var(--navy);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* === NAV === */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(249,247,243,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--rule);
  padding: 0 2rem;
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-brand {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--navy);
  letter-spacing: -0.02em;
}

.nav-tagline {
  font-size: 0.8rem;
  color: var(--mid-gray);
  font-weight: 300;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* === HERO === */
.hero {
  padding: 5rem 2rem 0;
}

.hero-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-overline {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--amber);
  font-weight: 600;
  margin-bottom: 1.2rem;
}

.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 5vw, 4.2rem);
  font-weight: 600;
  line-height: 1.08;
  color: var(--navy);
  letter-spacing: -0.03em;
  margin-bottom: 1.4rem;
}

.hero-lede {
  font-size: 1.05rem;
  color: var(--charcoal);
  line-height: 1.7;
  max-width: 480px;
  margin-bottom: 2rem;
}

.hero-badges {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
}

.badge {
  display: inline-block;
  padding: 0.35rem 0.9rem;
  background: var(--navy);
  color: var(--cream);
  font-size: 0.75rem;
  font-weight: 500;
  border-radius: 2px;
  letter-spacing: 0.03em;
}

/* Hero card */
.hero-card {
  background: var(--warm-white);
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 1.8rem;
  box-shadow: 0 4px 24px rgba(28,43,58,0.08);
}

.card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.4rem;
  padding-bottom: 1.4rem;
  border-bottom: 1px solid var(--light-gray);
}

.card-avatar {
  font-size: 2rem;
}

.card-title {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
}

.card-sub {
  font-size: 0.8rem;
  color: var(--mid-gray);
  margin-top: 0.2rem;
}

.card-savings {
  background: linear-gradient(135deg, var(--navy) 0%, #2a4a6b 100%);
  border-radius: 3px;
  padding: 1.2rem 1.4rem;
  margin-bottom: 1.4rem;
}

.savings-amount {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--amber);
  letter-spacing: -0.02em;
}

.savings-label {
  font-size: 0.75rem;
  color: rgba(249,247,243,0.7);
  margin-top: 0.2rem;
}

.card-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.7rem;
}

.cf-item {
  font-size: 0.82rem;
  color: var(--charcoal);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.cf-icon {
  color: var(--amber);
  font-weight: 700;
  font-size: 0.9rem;
}

.hero-rule {
  max-width: 1200px;
  margin: 4rem auto 0;
  height: 1px;
  background: var(--rule);
}

/* === STATS === */
.stats {
  padding: 3rem 2rem;
}

.stats-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.stat { text-align: center; }

.stat-value {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.03em;
}

.stat-label {
  font-size: 0.78rem;
  color: var(--mid-gray);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 0.3rem;
}

.stat-divider {
  width: 1px;
  height: 48px;
  background: var(--rule);
}

/* === SECTIONS === */
.section-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--amber);
  font-weight: 600;
  margin-bottom: 0.8rem;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1.15;
}

/* === HOW === */
.how {
  padding: 5rem 2rem;
  background: var(--warm-white);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}

.how-inner { max-width: 1200px; margin: 0 auto; }

.how .section-title { margin-bottom: 3.5rem; }

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2.5rem;
}

.step-num {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--light-gray);
  letter-spacing: -0.04em;
  margin-bottom: 1rem;
}

.step-content h3 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.7rem;
}

.step-content p {
  font-size: 0.88rem;
  color: var(--mid-gray);
  line-height: 1.65;
}

/* === COMPARE === */
.compare { padding: 5rem 2rem; }
.compare-inner { max-width: 1200px; margin: 0 auto; }
.compare .section-title { margin-bottom: 2rem; }

.table-wrap { overflow-x: auto; }

.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
}

.compare-table th {
  text-align: left;
  font-weight: 600;
  color: var(--navy);
  padding: 0.75rem 1rem;
  border-bottom: 2px solid var(--navy);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.compare-table th.th-mfa {
  color: var(--amber);
  border-bottom-color: var(--amber);
}

.compare-table td {
  padding: 0.9rem 1rem;
  border-bottom: 1px solid var(--light-gray);
  color: var(--charcoal);
  vertical-align: middle;
}

.compare-table tr:last-child td { border-bottom: none; }

.compare-table td.highlight {
  color: var(--navy);
  font-weight: 600;
}

.compare-table td:first-child { color: var(--navy); font-weight: 500; }

/* === FEATURES === */
.features {
  padding: 5rem 2rem;
  background: var(--navy);
  color: var(--cream);
}

.features-inner { max-width: 1200px; margin: 0 auto; }

.features .section-label { color: var(--amber); }
.features .section-title { color: var(--cream); margin-bottom: 3rem; }

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.feature-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 3px;
  padding: 1.8rem;
}

.fc-icon {
  font-size: 1.8rem;
  margin-bottom: 1rem;
}

.feature-card h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--cream);
  margin-bottom: 0.6rem;
}

.feature-card p {
  font-size: 0.85rem;
  color: rgba(249,247,243,0.6);
  line-height: 1.6;
}

/* === AI SECTION === */
.ai-section {
  padding: 5rem 2rem;
  background: var(--cream);
  border-top: 1px solid var(--rule);
}

.ai-inner { max-width: 1200px; margin: 0 auto; }

.ai-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}

.ai-body {
  font-size: 1rem;
  color: var(--charcoal);
  line-height: 1.7;
  margin: 1.2rem 0 2rem;
}

.ai-features {
  display: flex;
  flex-direction: column;
  gap: 0.8rem;
}

.ai-feat {
  font-size: 0.9rem;
  color: var(--charcoal);
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.ai-check {
  color: var(--amber);
  font-weight: 700;
}

/* Chat window */
.chat-window {
  background: var(--warm-white);
  border: 1px solid var(--rule);
  border-radius: 6px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(28,43,58,0.1);
}

.chat-header {
  background: var(--navy);
  padding: 0.7rem 1rem;
}

.chat-dots {
  display: flex;
  gap: 5px;
  align-items: center;
}

.chat-dots span {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,0.25);
  display: block;
}

.chat-messages {
  padding: 1.2rem;
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}

.msg {
  font-size: 0.82rem;
  line-height: 1.5;
  padding: 0.6rem 0.9rem;
  border-radius: 4px;
}

.buyer-msg {
  background: var(--light-gray);
  color: var(--navy);
  align-self: flex-end;
  max-width: 85%;
}

.agent-msg {
  background: var(--navy);
  color: var(--cream);
  align-self: flex-start;
  max-width: 85%;
}

.msg.system {
  background: var(--amber);
  color: white;
  font-size: 0.75rem;
  font-weight: 500;
  align-self: center;
  text-align: center;
}

/* === CLOSING === */
.closing {
  padding: 5rem 2rem 4rem;
  background: var(--cream);
  border-top: 1px solid var(--rule);
}

.closing-inner { max-width: 800px; margin: 0 auto; text-align: center; }

.closing-headline {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.03em;
  line-height: 1.12;
  margin-bottom: 1.5rem;
}

.closing-body {
  font-size: 1rem;
  color: var(--charcoal);
  line-height: 1.75;
}

.closing-rule {
  width: 60px;
  height: 3px;
  background: var(--amber);
  margin: 2.5rem auto 0;
}

/* === FOOTER === */
.footer {
  padding: 3rem 2rem;
  background: var(--navy);
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.2rem;
  text-align: center;
}

.footer-brand {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--cream);
}

.footer-tagline {
  font-size: 0.85rem;
  color: rgba(249,247,243,0.5);
  max-width: 380px;
}

.footer-links {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  justify-content: center;
}

.footer-links a {
  color: rgba(249,247,243,0.6);
  text-decoration: none;
  font-size: 0.82rem;
  transition: color 0.2s;
}

.footer-links a:hover { color: var(--amber); }

.footer-copy {
  font-size: 0.75rem;
  color: rgba(249,247,243,0.3);
}

/* === RESPONSIVE === */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .ai-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .stats-inner { flex-wrap: wrap; justify-content: center; }
  .stat-divider { display: none; }
}

@media (max-width: 600px) {
  .hero { padding: 3rem 1.2rem 0; }
  .steps { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .compare-table { font-size: 0.78rem; }
  .compare-table th, .compare-table td { padding: 0.6rem 0.5rem; }
  .card-features { grid-template-columns: 1fr; }
}