/* ============================================================================
   BestRatesCalgary.ca — shared stylesheet for all pages
   Mortgages for Less / Indi Mortgage · broker Josh Tagg
   Palette + components extend the Branded PN Sites collection (see Calgary site).
   ========================================================================== */

:root{
  --navy:#0e2a47;
  --navy-2:#153a61;
  --accent:#f5a623;
  --accent-dk:#e0900f;
  --ink:#1b2733;
  --muted:#5c6b7a;
  --line:#e5e9ee;
  --bg:#ffffff;
  --bg-soft:#f5f8fb;
  --good:#0f8a4d;
  --radius:14px;
  --shadow:0 10px 30px rgba(14,42,71,.10);
  --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:"Segoe UI",Roboto,-apple-system,BlinkMacSystemFont,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased;
}
a{color:var(--navy-2);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}

.btn{
  display:inline-block;background:var(--accent);color:#231a05;font-weight:700;
  padding:14px 26px;border-radius:999px;border:none;cursor:pointer;font-size:1rem;
  box-shadow:0 6px 18px rgba(245,166,35,.35);transition:transform .12s ease,box-shadow .12s ease;
  text-align:center;
}
.btn:hover{transform:translateY(-2px);text-decoration:none;box-shadow:0 10px 24px rgba(245,166,35,.45)}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7);box-shadow:none}
.btn.ghost:hover{background:rgba(255,255,255,.12)}
.btn.dark{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(14,42,71,.3)}

/* ============ Header + multi-page nav (two rows) ============ */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-top{display:flex;align-items:center;justify-content:space-between;gap:18px;max-width:var(--maxw);margin:0 auto;padding:12px 22px}
.brand{display:flex;align-items:center;line-height:1.1;flex:0 1 auto;min-width:0}
.brand-logo{height:auto;max-height:38px;width:auto;max-width:100%;display:block}
@media(max-width:640px){.brand-logo{max-height:30px}}

.nav-cta{display:flex;align-items:center;gap:14px;flex:0 0 auto}
.phone-link{font-weight:700;color:var(--navy);white-space:nowrap}
.phone-link:hover{color:var(--accent-dk);text-decoration:none}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:6px 10px;cursor:pointer;color:var(--navy);font-size:1.25rem;line-height:1}

/* Nav row (its own full-width row so 7 items sit on one line) */
.nav-bar{border-top:1px solid var(--line);background:var(--bg-soft)}
.nav-menu{display:flex;align-items:center;gap:2px;max-width:var(--maxw);margin:0 auto;padding:3px 14px}
.nav-menu a{color:var(--ink);font-weight:600;font-size:.95rem;padding:11px 14px;border-radius:8px 8px 0 0;white-space:nowrap}
.nav-menu a:hover{color:var(--navy);background:#fff;text-decoration:none}
.nav-menu a.nav-active{color:var(--navy);background:#fff;box-shadow:inset 0 -3px 0 var(--accent)}

@media(max-width:960px){.phone-link .lbl{display:none}}

@media(max-width:860px){
  .nav-top{padding:10px 16px;gap:12px}
  .nav-toggle{display:inline-flex;align-items:center}
  .nav-bar{display:none}
  .nav-bar.open{display:block}
  .nav-menu{flex-direction:column;align-items:stretch;gap:2px;padding:8px 16px 14px}
  .nav-menu a{padding:12px;border-radius:8px}
  .nav-menu a.nav-active{background:#fff;box-shadow:inset 3px 0 0 var(--accent)}
}
@media(max-width:640px){
  .nav-cta .btn{display:none} /* menu + phone remain; keeps small phones uncluttered */
}

/* ============ Home hero ============ */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#1c4a7a 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;background:radial-gradient(circle,rgba(245,166,35,.25),transparent 65%);border-radius:50%}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center;padding-top:70px;padding-bottom:92px;position:relative;z-index:2}
.hero .locmark{display:inline-flex;align-items:center;gap:7px;background:rgba(245,166,35,.16);color:#ffd489;border:1px solid rgba(245,166,35,.35);font-weight:700;font-size:.8rem;letter-spacing:.5px;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin:0 0 18px}
.hero h1{font-size:2.9rem;line-height:1.08;margin:0 0 16px;font-weight:800}
.hero h1 span{color:var(--accent)}
.hero p.lead{font-size:1.18rem;color:#d7e2ee;margin:0 0 28px;max-width:540px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.trust-row{display:flex;gap:22px;margin-top:30px;flex-wrap:wrap;color:#cfe0f0;font-size:.92rem}
.trust-row div{display:flex;align-items:center;gap:8px}
.check{color:var(--accent);font-weight:900}
.skyline{position:absolute;left:0;right:0;bottom:0;width:100%;height:70px;display:block;z-index:1;opacity:.5}

/* Rate teaser card in hero */
.rate-card{background:#fff;color:var(--ink);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;position:relative;z-index:2}
.rate-card h3{margin:0 0 4px;font-size:1rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.8px}
.rate-hero{display:flex;align-items:baseline;gap:8px;margin:6px 0 2px}
.rate-hero .num{font-size:3.2rem;font-weight:800;color:var(--navy);line-height:1}
.rate-hero .pct{font-size:1.6rem;font-weight:800;color:var(--navy)}
.rate-hero .term{font-size:.95rem;color:var(--muted);margin-left:2px}
.rate-sub{font-size:.85rem;color:var(--muted);margin:2px 0 16px}
.rate-card .btn{width:100%}
.rate-note{font-size:.72rem;color:var(--muted);margin-top:12px;text-align:center}

@media(max-width:860px){
  .hero-inner{grid-template-columns:1fr;padding-top:48px;padding-bottom:68px}
  .hero h1{font-size:2.25rem}
}

/* ============ Interior page hero (compact) ============ */
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,#1c4a7a 100%);color:#fff;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-140px;width:380px;height:380px;background:radial-gradient(circle,rgba(245,166,35,.22),transparent 65%);border-radius:50%}
.page-hero-inner{padding-top:56px;padding-bottom:60px;position:relative;z-index:2;max-width:760px}
.page-hero .locmark{display:inline-flex;align-items:center;gap:7px;background:rgba(245,166,35,.16);color:#ffd489;border:1px solid rgba(245,166,35,.35);font-weight:700;font-size:.78rem;letter-spacing:.5px;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin:0 0 16px}
.page-hero h1{font-size:2.5rem;line-height:1.1;margin:0 0 14px;font-weight:800}
.page-hero h1 span{color:var(--accent)}
.page-hero p.lead{font-size:1.14rem;color:#d7e2ee;margin:0 0 26px}
@media(max-width:640px){.page-hero h1{font-size:2rem}}

/* ============ Sections ============ */
section.block{padding:70px 0}
section.block.soft{background:var(--bg-soft)}
.eyebrow{color:var(--accent-dk);font-weight:800;text-transform:uppercase;letter-spacing:1.5px;font-size:.8rem;margin:0 0 8px}
h2.sec{font-size:2rem;color:var(--navy);margin:0 0 12px;font-weight:800}
.sec-intro{color:var(--muted);max-width:680px;font-size:1.05rem;margin:0 0 34px}

/* Prose (interior copy) */
.prose{max-width:760px}
.prose h3{color:var(--navy);font-size:1.3rem;margin:30px 0 8px}
.prose p{color:var(--ink);font-size:1.03rem;margin:0 0 14px}
.prose ul{color:var(--ink);font-size:1.03rem;margin:0 0 16px;padding-left:22px}
.prose li{margin:0 0 8px}
.prose strong{color:var(--navy)}

/* ============ Rates table ============ */
.rates-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.rates-head{display:flex;justify-content:space-between;align-items:center;padding:16px 22px;border-bottom:1px solid var(--line);flex-wrap:wrap;gap:8px}
.rates-head .ttl{font-weight:700;color:var(--navy)}
.rates-head .updated{font-size:.82rem;color:var(--muted)}
.rates-scroll{overflow-x:auto}
table.rates{width:100%;border-collapse:collapse;font-size:1rem;min-width:320px}
table.rates th,table.rates td{padding:14px 22px;text-align:left;border-bottom:1px solid var(--line)}
table.rates th{background:var(--bg-soft);font-size:.78rem;text-transform:uppercase;letter-spacing:.6px;color:var(--muted)}
table.rates td.rate-cell{font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums}
table.rates tr:last-child td{border-bottom:none}
table.rates tr.best td{background:#fff7e9}
.badge{display:inline-block;background:var(--good);color:#fff;font-size:.68rem;font-weight:700;padding:2px 8px;border-radius:999px;margin-left:8px;vertical-align:middle;text-transform:uppercase;letter-spacing:.5px}
.rates-loading,.rates-error{padding:34px 22px;text-align:center;color:var(--muted)}
.rates-cta{padding:20px 22px;text-align:center;border-top:1px solid var(--line);background:var(--bg-soft)}
.disclaimer{font-size:.78rem;color:var(--muted);margin-top:14px;max-width:860px}

/* 20%-down / info callout */
.downpay{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px 22px;margin-top:22px}
.downpay .ic{font-size:1.5rem;line-height:1;flex:0 0 auto;margin-top:2px}
.downpay h4{margin:0 0 4px;color:var(--navy);font-size:1.08rem}
.downpay p{margin:0;color:var(--muted);font-size:.96rem}
.downpay a{font-weight:700;white-space:nowrap}

/* ============ Card grids (features / scenarios / points) ============ */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card .ic{font-size:1.6rem}
.card h4{margin:10px 0 6px;color:var(--navy);font-size:1.12rem}
.card p{margin:0;color:var(--muted);font-size:.95rem}
.card.link-card{display:flex;flex-direction:column}
.card.link-card .more{margin-top:14px;font-weight:700;color:var(--accent-dk)}
.card.link-card:hover{border-color:var(--accent);box-shadow:var(--shadow);text-decoration:none}
a.card:hover{text-decoration:none}
@media(max-width:760px){.grid3,.grid2{grid-template-columns:1fr}}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:14px}
.step h4{margin:0 0 6px;color:var(--navy);font-size:1.12rem}
.step p{margin:0;color:var(--muted);font-size:.95rem}
@media(max-width:760px){.steps{grid-template-columns:1fr}}

/* ============ Broker scene card ============ */
.broker{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;margin-bottom:26px}
.broker-scene{width:100%;height:100%;display:block;background:var(--navy)}
.broker-copy{padding:26px 28px}
.broker-name{font-weight:800;color:var(--navy);font-size:1.35rem}
.broker-title{color:var(--accent-dk);font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.6px;margin:2px 0 10px}
.broker-copy p{margin:0 0 8px;color:var(--muted);font-size:.98rem}
@media(max-width:720px){.broker{grid-template-columns:1fr}}

/* About headshot */
.headshot{width:180px;height:180px;border-radius:50%;object-fit:cover;border:5px solid rgba(245,166,35,.45);box-shadow:var(--shadow);display:block}
.about-lead{display:flex;gap:28px;align-items:center;flex-wrap:wrap;margin-bottom:10px}

/* ============ Calendar + application form embeds ============ */
.cal-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;padding:8px}
#joshtagg_intake{width:100%;min-height:720px;border:none;overflow:hidden}
.cal-fallback{text-align:center;padding:16px;color:var(--muted);font-size:.9rem}
.form-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;padding:8px}
.form-wrap iframe{width:100%;min-height:820px;border:none;overflow:hidden;background:#fff;display:block}

/* Reassurance row on the Apply page */
.assure{display:flex;gap:22px;flex-wrap:wrap;margin:0 0 24px;color:var(--muted);font-size:.95rem}
.assure div{display:flex;align-items:center;gap:8px}
.assure .check{color:var(--good);font-weight:900}

/* ============ Scenario rate cards (home) ============ */
.scen{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.scen-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.scen-card .k{font-size:.72rem;text-transform:uppercase;letter-spacing:.8px;color:var(--muted);font-weight:700}
.scen-card h4{margin:6px 0 2px;color:var(--navy);font-size:1.08rem}
.scen-rate{display:flex;align-items:baseline;gap:4px;margin:8px 0 2px}
.scen-rate .num{font-size:2.4rem;font-weight:800;color:var(--navy);line-height:1;font-variant-numeric:tabular-nums}
.scen-rate .pct{font-size:1.1rem;font-weight:800;color:var(--navy)}
.scen-card .note{color:var(--muted);font-size:.86rem;margin:2px 0 0}
.scen-card .more{margin-top:auto;padding-top:14px;font-weight:700;color:var(--accent-dk)}
.scen-card:hover{border-color:var(--accent);text-decoration:none}
@media(max-width:760px){.scen{grid-template-columns:1fr}}

/* Two-action CTA button row */
.cta-row{display:flex;gap:14px;flex-wrap:wrap;justify-content:center}
.hero-cta .btn.small,.cta-row .btn{white-space:nowrap}

/* Stacked scenario tables (Today's Rates) */
.rate-scenario{margin-bottom:30px}
.rate-scenario:last-child{margin-bottom:0}
.rate-scenario > h3{color:var(--navy);font-size:1.25rem;margin:0 0 4px}
.rate-scenario > .scen-desc{color:var(--muted);font-size:.96rem;margin:0 0 14px;max-width:720px}

/* ============ FAQ accordion ============ */
.faq{max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:0;margin-bottom:12px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);font-size:1.05rem;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--accent-dk);font-weight:700;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .faq-a{padding:16px 22px;color:var(--ink);font-size:1rem}
.faq .faq-a p{margin:0 0 10px}
.faq .faq-a p:last-child{margin:0}

/* ============ Contact strip ============ */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-align:center}
.contact-card .ic{font-size:1.6rem}
.contact-card .k{font-size:.78rem;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:8px 0 4px}
.contact-card .v{font-weight:700;color:var(--navy);font-size:1.05rem;word-break:break-word}
@media(max-width:760px){.contact-grid{grid-template-columns:1fr}}

/* CTA band */
.cta-band{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;border-radius:var(--radius);padding:40px 34px;text-align:center;box-shadow:var(--shadow)}
.cta-band h2{margin:0 0 10px;font-size:1.8rem;font-weight:800}
.cta-band p{margin:0 0 22px;color:#d7e2ee;max-width:560px;margin-left:auto;margin-right:auto}

/* ============ Footer ============ */
footer{background:var(--navy);color:#c8d6e6;padding:48px 0 28px;font-size:.92rem}
footer a{color:#fff}
.foot-top{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:26px;margin-bottom:22px}
.foot-brand .name{font-weight:800;color:#fff;font-size:1.15rem}
.foot-logo{height:34px;width:auto;display:block;margin-bottom:10px}
.foot-links{display:flex;gap:26px;flex-wrap:wrap}
.foot-col{display:flex;flex-direction:column;gap:8px}
.foot-col .h{color:#93a7bd;text-transform:uppercase;letter-spacing:1px;font-size:.72rem;margin-bottom:2px}
.foot-legal{font-size:.8rem;color:#93a7bd;max-width:860px}
.foot-bottom{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-top:18px;font-size:.82rem;color:#93a7bd}