/* ============================================
   Umpqua Bank Home Lending — Stylesheet
   Color Palette: Burgundy + Blush + Neutrals
   ============================================ */

/* --- CSS Custom Properties --- */
:root {
    --burgundy: #7B2D3B;
    --burgundy-dark: #5C1F2B;
    --burgundy-light: #9A3D4E;
    --blush: #F5E6E0;
    --blush-light: #FBF4F1;
    --blush-dark: #E8D0C8;
    --neutral-900: #1A1A1A;
    --neutral-700: #3D3D3D;
    --neutral-500: #6B6B6B;
    --neutral-300: #B8B8B8;
    --neutral-100: #F5F5F5;
    --neutral-50: #FAFAFA;
    --white: #FFFFFF;
    --font-display: 'Playfair Display', Georgia, serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --shadow-sm: 0 1px 3px rgba(123, 45, 59, 0.06);
    --shadow-md: 0 4px 20px rgba(123, 45, 59, 0.08);
    --shadow-lg: 0 8px 40px rgba(123, 45, 59, 0.12);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --- Reset & Base --- */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

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

body {
    font-family: var(--font-body);
    color: var(--neutral-700);
    background: var(--white);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
}

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

a {
    color: inherit;
    text-decoration: none;
}

ul {
    list-style: none;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* --- Buttons --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 32px;
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.938rem;
    font-weight: 600;
    letter-spacing: 0.01em;
    cursor: pointer;
    transition: all var(--transition);
    border: 2px solid transparent;
    text-align: center;
}

.btn-primary {
    background: var(--burgundy);
    color: var(--white);
    border-color: var(--burgundy);
}

.btn-primary:hover {
    background: var(--burgundy-dark);
    border-color: var(--burgundy-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background: var(--white);
    color: var(--burgundy);
    border-color: var(--burgundy);
}

.btn-secondary:hover {
    background: var(--blush);
    transform: translateY(-2px);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    border-color: var(--white);
}

.btn-outline:hover {
    background: var(--white);
    color: var(--burgundy);
}

.btn-large {
    padding: 18px 40px;
    font-size: 1rem;
}

.btn-full {
    width: 100%;
}

/* --- Section Helpers --- */
.section-tag {
    display: inline-block;
    font-size: 0.813rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--burgundy);
    margin-bottom: 12px;
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(1.75rem, 4vw, 2.5rem);
    font-weight: 700;
    color: var(--neutral-900);
    line-height: 1.25;
    margin-bottom: 20px;
}

.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 60px;
}

/* --- Navigation --- */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--blush-dark);
    transition: box-shadow var(--transition);
}

.navbar.scrolled {
    box-shadow: var(--shadow-md);
}

.nav-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 76px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo-icon {
    width: 40px;
    height: 40px;
    background: var(--burgundy);
    border-radius: var(--radius-sm);
    position: relative;
    flex-shrink: 0;
}

.logo-icon::before {
    content: '';
    position: absolute;
    top: 10px;
    left: 10px;
    right: 10px;
    bottom: 10px;
    background: var(--white);
    clip-path: polygon(50% 0%, 100% 100%, 0% 100%);
}

.logo-text {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1rem;
    color: var(--neutral-900);
    line-height: 1.2;
}

.logo-sub {
    font-family: var(--font-body);
    font-weight: 500;
    font-size: 0.75rem;
    color: var(--burgundy);
    letter-spacing: 0.04em;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 36px;
}

.nav-links a {
    font-size: 0.938rem;
    font-weight: 500;
    color: var(--neutral-700);
    transition: color var(--transition);
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--burgundy);
    transition: width var(--transition);
}

.nav-links a:hover {
    color: var(--burgundy);
}

.nav-links a::after:hover {
    width: 100%;
}

.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.mobile-toggle span {
    width: 24px;
    height: 2px;
    background: var(--neutral-900);
    transition: all var(--transition);
    border-radius: 2px;
}

.mobile-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.mobile-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* --- Hero --- */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 120px 0 80px;
    background: linear-gradient(135deg, var(--blush-light) 0%, var(--white) 50%, var(--blush) 100%);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -200px;
    right: -200px;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(123, 45, 59, 0.06) 0%, transparent 70%);
    border-radius: 50%;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -100px;
    left: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(123, 45, 59, 0.04) 0%, transparent 70%);
    border-radius: 50%;
}

.hero-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    max-width: 540px;
}

.hero-headline {
    font-family: var(--font-display);
    font-size: clamp(2rem, 5vw, 3.25rem);
    font-weight: 700;
    color: var(--neutral-900);
    line-height: 1.15;
    margin-bottom: 24px;
}

.hero-headline em {
    color: var(--burgundy);
    font-style: italic;
}

.hero-sub {
    font-size: 1.125rem;
    color: var(--neutral-500);
    line-height: 1.8;
    margin-bottom: 40px;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-image {
    position: relative;
}

.hero-image img {
    width: 100%;
    height: 560px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.hero-badge {
    position: absolute;
    bottom: -24px;
    left: -24px;
    background: var(--white);
    padding: 20px 28px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.badge-stat {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    color: var(--burgundy);
    line-height: 1;
}

.badge-label {
    font-size: 0.813rem;
    color: var(--neutral-500);
    font-weight: 500;
}

/* --- Services --- */
.services {
    padding: 100px 0;
    background: var(--white);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card {
    padding: 40px 32px;
    border-radius: var(--radius-md);
    border: 1px solid var(--blush-dark);
    transition: all var(--transition);
    background: var(--white);
}

.service-card:hover {
    border-color: var(--burgundy);
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.service-icon {
    width: 56px;
    height: 56px;
    background: var(--blush);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--burgundy);
    margin-bottom: 24px;
    transition: all var(--transition);
}

.service-card:hover .service-icon {
    background: var(--burgundy);
    color: var(--white);
}

.service-card h3 {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--neutral-900);
    margin-bottom: 12px;
}

.service-card p {
    font-size: 0.938rem;
    color: var(--neutral-500);
    line-height: 1.75;
}

/* --- About --- */
.about {
    padding: 100px 0;
    background: var(--blush-light);
}

.about-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-image img {
    width: 100%;
    height: 650px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.about-content .section-title {
    margin-bottom: 24px;
}

.about-text {
    font-size: 1.063rem;
    color: var(--neutral-500);
    line-height: 1.85;
    margin-bottom: 20px;
}

.about-stats {
    display: flex;
    gap: 48px;
    margin-top: 48px;
    padding-top: 40px;
    border-top: 1px solid var(--blush-dark);
}

.stat {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.stat-number {
    font-family: var(--font-display);
    font-size: 2.25rem;
    font-weight: 700;
    color: var(--burgundy);
    line-height: 1;
}

.stat-label {
    font-size: 0.875rem;
    color: var(--neutral-500);
    font-weight: 500;
}

/* --- Process --- */
.process {
    padding: 100px 0;
    background: var(--white);
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.process-step {
    text-align: center;
    padding: 32px 20px;
    position: relative;
}

.process-step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 48px;
    right: -16px;
    width: 32px;
    height: 2px;
    background: var(--blush-dark);
}

.step-number {
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 700;
    color: var(--blush-dark);
    line-height: 1;
    margin-bottom: 20px;
    transition: color var(--transition);
}

.process-step:hover .step-number {
    color: var(--burgundy);
}

.process-step h3 {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--neutral-900);
    margin-bottom: 12px;
}

.process-step p {
    font-size: 0.938rem;
    color: var(--neutral-500);
    line-height: 1.75;
}

/* --- CTA --- */
.cta {
    padding: 80px 0;
    background: var(--burgundy);
    position: relative;
    overflow: hidden;
}

.cta::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.06) 0%, transparent 70%);
    border-radius: 50%;
}

.cta-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    position: relative;
    z-index: 1;
}

.cta-title {
    font-family: var(--font-display);
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 12px;
    line-height: 1.3;
}

.cta-text {
    font-size: 1.063rem;
    color: rgba(255, 255, 255, 0.75);
    max-width: 480px;
}

.cta-actions {
    display: flex;
    gap: 16px;
    flex-shrink: 0;
}

/* --- Contact --- */
.contact {
    padding: 100px 0;
    background: var(--neutral-50);
}

.contact-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
}

.contact-text {
    font-size: 1.063rem;
    color: var(--neutral-500);
    line-height: 1.85;
    margin-bottom: 40px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 28px;
}

.contact-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.contact-icon {
    width: 48px;
    height: 48px;
    background: var(--blush);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--burgundy);
    flex-shrink: 0;
}

.contact-item strong {
    display: block;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--neutral-900);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.contact-item p,
.contact-item a {
    font-size: 0.938rem;
    color: var(--neutral-500);
    line-height: 1.6;
}

.contact-item a:hover {
    color: var(--burgundy);
    text-decoration: underline;
}

.contact-form-wrapper {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--blush-dark);
}

.contact-form h3,
.form-success h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--neutral-900);
    margin-bottom: 28px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--neutral-700);
    margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--blush-dark);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.938rem;
    color: var(--neutral-900);
    background: var(--white);
    transition: border-color var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--burgundy);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-notice {
    font-size: 0.813rem;
    color: var(--neutral-500);
    text-align: center;
    margin-top: 16px;
}

.form-success {
    display: none;
    text-align: center;
    padding: 20px 0;
}

.form-success.active {
    display: block;
}

.contact-form.hidden {
    display: none;
}

.success-icon {
    width: 72px;
    height: 72px;
    background: var(--blush);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--burgundy);
    margin: 0 auto 24px;
}

.form-success p {
    font-size: 0.938rem;
    color: var(--neutral-500);
    margin-bottom: 28px;
    line-height: 1.7;
}

/* --- Footer --- */
.footer {
    background: var(--neutral-900);
    color: rgba(255, 255, 255, 0.6);
}

.footer-container {
    padding: 80px 24px 48px;
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 60px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}

.footer-logo-icon {
    width: 36px;
    height: 36px;
    background: var(--burgundy);
    border-radius: var(--radius-sm);
    position: relative;
    flex-shrink: 0;
}

.footer-logo-icon::before {
    content: '';
    position: absolute;
    top: 8px;
    left: 8px;
    right: 8px;
    bottom: 8px;
    background: var(--white);
    clip-path: polygon(50% 0%, 100% 100%, 0% 100%);
}

.footer-logo span {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.938rem;
    color: var(--white);
    line-height: 1.3;
}

.footer-tagline {
    font-size: 0.938rem;
    line-height: 1.7;
    max-width: 280px;
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.footer-col h4 {
    font-size: 0.813rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--white);
    margin-bottom: 20px;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col ul li a {
    font-size: 0.938rem;
    transition: color var(--transition);
}

.footer-col ul li a:hover {
    color: var(--white);
}

.footer-col address {
    font-style: normal;
    font-size: 0.938rem;
    line-height: 1.7;
}

.footer-col address a {
    transition: color var(--transition);
}

.footer-col address a:hover {
    color: var(--white);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding: 24px;
}

.footer-bottom-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
}

.footer-bottom p {
    font-size: 0.813rem;
}

.footer-legal {
    font-size: 0.75rem !important;
    color: rgba(255, 255, 255, 0.4) !important;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
    .hero-container {
        gap: 40px;
    }

    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .process-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .process-step::after {
        display: none;
    }
}

@media (max-width: 768px) {
    .mobile-toggle {
        display: flex;
    }

    .nav-links {
        position: fixed;
        top: 76px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 32px 24px;
        gap: 24px;
        border-bottom: 1px solid var(--blush-dark);
        box-shadow: var(--shadow-md);
        transform: translateY(-120%);
        opacity: 0;
        transition: all var(--transition);
        pointer-events: none;
    }

    .nav-links.active {
        transform: translateY(0);
        opacity: 1;
        pointer-events: all;
    }

    .hero {
        padding: 100px 0 60px;
        min-height: auto;
    }

    .hero-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-content {
        max-width: 100%;
        text-align: center;
    }

    .hero-actions {
        justify-content: center;
    }

    .hero-image {
        max-width: 480px;
        margin: 0 auto;
    }

    .hero-image img {
        height: 400px;
    }

    .hero-badge {
        left: 50%;
        transform: translateX(-50%);
    }

    .services-grid {
        grid-template-columns: 1fr;
    }

    .about-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .about-image img {
        height: 400px;
    }

    .about-stats {
        gap: 32px;
    }

    .process-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .cta-container {
        flex-direction: column;
        text-align: center;
    }

    .cta-actions {
        flex-direction: column;
        width: 100%;
    }

    .cta-actions .btn {
        width: 100%;
    }

    .contact-container {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .contact-form-wrapper {
        padding: 32px 24px;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .footer-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .footer-links {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-bottom-content {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 16px;
    }

    .hero-headline {
        font-size: 1.75rem;
    }

    .hero-actions {
        flex-direction: column;
    }

    .hero-actions .btn {
        width: 100%;
    }

    .about-stats {
        flex-direction: column;
        gap: 24px;
    }

    .contact-form-wrapper {
        padding: 24px 20px;
    }
}