/*
  Jubilee Home Loans — static landing page
  Plain CSS, no preprocessor. Breakpoints match Tailwind:
    sm: 640px, md: 768px, lg: 1024px.
*/

:root {
  --navy-900: #0f2f3d;
  --navy-400: #5c6f7f;
  --navy-900-70: rgba(15, 47, 61, 0.7);
  --orange-400: #ff8200;
  --orange-grad-top: #ff922e;
  --orange-grad-bottom: #e76e00;
  --cream: #fdfaf5;
  --border-neutral: #e0e2e8;
  --white: #ffffff;
  --white-95: rgba(255, 255, 255, 0.95);
  --white-90: rgba(255, 255, 255, 0.9);
  --white-80: rgba(255, 255, 255, 0.8);
  --white-60: rgba(255, 255, 255, 0.6);
  --white-50: rgba(255, 255, 255, 0.5);
  --white-15: rgba(255, 255, 255, 0.15);
  --white-10: rgba(255, 255, 255, 0.1);

  --max-container: 80rem; /* Tailwind max-w-7xl */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto,
    Helvetica, Arial, sans-serif;
}

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

html {
  -webkit-text-size-adjust: 100%;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--navy-900);
  background-color: var(--white);
  line-height: 1.5;
}

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

a {
  color: inherit;
}

h1,
h2,
h3,
p,
ul,
address {
  margin: 0;
}

ul {
  padding: 0;
  list-style: none;
}

.page {
  display: flex;
  min-height: 100vh;
  flex-direction: column;
}

.main {
  flex: 1;
}

/* ========== Header ========== */

.site-header {
  width: 100%;
  background-color: var(--white);
  border-bottom: 1px solid var(--border-neutral);
}

.site-header__inner {
  margin: 0 auto;
  width: 100%;
  max-width: var(--max-container);
  height: 5rem; /* h-20 */
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 1.5rem; /* px-6 */
}

@media (min-width: 640px) {
  .site-header__inner {
    padding: 0; /* sm:px-0 */
  }
}

.jubilee-logo {
  color: var(--navy-900);
  width: 77px;
  height: 18px;
  flex-shrink: 0;
}

.site-header__name {
  white-space: nowrap;
  font-weight: 600;
  letter-spacing: -0.025em; /* tracking-tight */
  color: var(--navy-900);
  font-size: 1rem; /* text-base */
}

@media (min-width: 640px) {
  .site-header__name {
    font-size: 1.125rem; /* sm:text-lg */
  }
}

/* ========== Hero ========== */

.hero {
  width: 100%;
  background-color: var(--cream);
  padding-left: 1.5rem; /* px-6 */
  padding-right: 1.5rem;
}

@media (min-width: 640px) {
  .hero {
    padding-left: 2rem; /* sm:px-8 */
    padding-right: 2rem;
  }
}

.hero__inner {
  margin: 0 auto;
  width: 100%;
  max-width: var(--max-container);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2rem; /* gap-8 */
  padding-top: 6rem; /* py-24 */
  padding-bottom: 6rem;
}

@media (min-width: 640px) {
  .hero__inner {
    padding-top: 8rem; /* sm:py-32 */
    padding-bottom: 8rem;
  }
}

.hero__title {
  max-width: 48rem; /* max-w-3xl */
  font-size: 2.25rem; /* text-4xl */
  font-weight: 425;
  line-height: 1.1;
  letter-spacing: -0.03em;
  color: var(--navy-900);
}

@media (min-width: 640px) {
  .hero__title {
    font-size: 3rem; /* sm:text-5xl */
  }
}

@media (min-width: 768px) {
  .hero__title {
    font-size: 3.75rem; /* md:text-6xl */
  }
}

.hero__lede {
  max-width: 42rem; /* max-w-2xl */
  font-size: 1.125rem; /* text-lg */
  font-weight: 375;
  line-height: 1.5;
  color: var(--navy-900-70);
}

/* ========== Apply button ========== */
/*
  Matches the `jubilee-orange` variant at size `xl`:
    - gradient (top #FF922E → bottom #E76E00)
    - rounded-full, px-10, leading-none
    - py-7 (1.75rem) forced via !important in the React variant
    - normal-case (no uppercase) + font-inter + font-medium override
*/

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-sans);
  cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.15s ease, background-color 0.15s ease;
}

.btn--apply {
  background: linear-gradient(
    to top,
    var(--orange-grad-bottom),
    var(--orange-grad-top)
  );
  color: var(--white);
  font-weight: 500;
  font-size: 1rem;
  text-transform: none;
  line-height: 1;
  border-radius: 9999px;
  padding: 1.75rem 2.5rem; /* py-7 px-10 */
}

.btn--apply:hover {
  opacity: 0.9;
}

.btn--apply:focus-visible {
  outline: 2px solid var(--navy-900);
  outline-offset: 3px;
}

/* ========== About ========== */

.about {
  width: 100%;
  background-color: var(--white);
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

@media (min-width: 640px) {
  .about {
    padding-left: 2rem;
    padding-right: 2rem;
  }
}

.about__inner {
  margin: 0 auto;
  width: 100%;
  max-width: var(--max-container);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1.5rem; /* gap-6 */
  padding-top: 5rem; /* py-20 */
  padding-bottom: 5rem;
}

@media (min-width: 640px) {
  .about__inner {
    padding-top: 7rem; /* sm:py-28 */
    padding-bottom: 7rem;
  }
}

.eyebrow {
  font-size: 0.875rem; /* text-sm */
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--navy-400);
}

.about__body {
  max-width: 48rem; /* max-w-3xl */
  font-size: 1.875rem; /* text-3xl */
  font-weight: 425;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy-900);
}

@media (min-width: 640px) {
  .about__body {
    font-size: 2.25rem; /* sm:text-4xl */
  }
}

/* ========== Footer ========== */

.site-footer {
  width: 100%;
  background-color: var(--navy-900);
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

@media (min-width: 640px) {
  .site-footer {
    padding-left: 2rem;
    padding-right: 2rem;
  }
}

.site-footer__inner {
  margin: 0 auto;
  width: 100%;
  max-width: var(--max-container);
  padding-top: 4rem; /* py-16 */
  padding-bottom: 4rem;
  color: var(--white);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem; /* gap-12 */
}

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr; /* md:grid-cols-2 */
  }
}

.footer-col {
  display: flex;
  flex-direction: column;
  gap: 0.75rem; /* gap-3 */
}

.footer-col__heading {
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--white-60);
}

.footer-address {
  display: flex;
  flex-direction: column;
  gap: 0.5rem; /* gap-2 */
  font-size: 0.875rem;
  font-weight: 375;
  line-height: 1.625; /* leading-relaxed */
  color: var(--white-90);
  font-style: normal;
}

.footer-link {
  color: var(--white-90);
  text-decoration: none;
  text-underline-offset: 4px;
}

.footer-link:hover {
  text-decoration: underline;
}

.footer-nmls {
  font-size: 0.875rem;
  font-weight: 375;
  line-height: 1.625;
  color: var(--white-90);
}

.footer-link--nmls {
  text-decoration: underline;
  text-underline-offset: 4px;
}

.footer-link--nmls:hover {
  color: var(--orange-400);
}

.license-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 375;
  line-height: 1.625;
  color: var(--white-80);
}

.license-list__state {
  font-weight: 500;
  color: var(--white-95);
}

/* Disclosures block */

.disclosures {
  margin-top: 3rem; /* mt-12 */
  display: flex;
  flex-direction: column;
  gap: 1.5rem; /* gap-6 */
  border-top: 1px solid var(--white-15);
  padding-top: 2rem; /* pt-8 */
}

.eho {
  display: flex;
  align-items: flex-start;
  gap: 1rem; /* gap-4 */
}

.eho__logo {
  height: 3rem; /* h-12 */
  width: 3rem;
  flex-shrink: 0;
}

.eho__text {
  font-size: 0.875rem;
  font-weight: 375;
  line-height: 1.625;
  color: var(--white-80);
}

.legal {
  display: flex;
  flex-direction: column;
  gap: 1rem; /* gap-4 */
  font-size: 0.75rem; /* text-xs */
  font-weight: 375;
  line-height: 1.625;
  color: var(--white-60);
}

.copyright {
  margin-top: 2rem; /* mt-8 */
  border-top: 1px solid var(--white-10);
  padding-top: 1.5rem; /* pt-6 */
}

.copyright p {
  font-size: 0.75rem;
  color: var(--white-50);
}

/* ========== Footer additions (link row, disclaimer) ========== */

.footer-meta {
  margin-top: 2.5rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  border-top: 1px solid var(--white-10);
  padding-top: 1.5rem;
}

.footer-meta-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  font-size: 0.8125rem;
  font-weight: 425;
  color: var(--white-80);
}

.footer-meta-links a,
.footer-meta-links button {
  color: inherit;
  background: none;
  border: 0;
  padding: 0;
  font: inherit;
  text-decoration: underline;
  text-underline-offset: 4px;
  cursor: pointer;
}

.footer-meta-links a:hover,
.footer-meta-links button:hover {
  color: var(--orange-400);
}

.footer-disclaimer {
  font-size: 0.75rem;
  font-weight: 375;
  line-height: 1.625;
  color: var(--white-60);
}

.footer-licensing-link {
  font-size: 0.875rem;
  font-weight: 375;
  line-height: 1.625;
  color: var(--white-90);
}

.footer-licensing-link a {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.footer-licensing-link a:hover {
  color: var(--orange-400);
}

.footer-dre {
  font-size: 0.8125rem;
  font-weight: 425;
  color: var(--white-80);
  margin-top: 0.25rem;
}

/* ========== Sub-page layout ========== */

.page-hero {
  width: 100%;
  background-color: var(--cream);
  padding: 0 1.5rem;
}

@media (min-width: 640px) {
  .page-hero {
    padding: 0 2rem;
  }
}

.page-hero__inner {
  /* Match .page-content__inner so title + lede share width and left edge with the body. */
  margin: 0 auto;
  width: 100%;
  max-width: 56rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  padding: 4rem 0 3rem;
}

@media (min-width: 640px) {
  .page-hero__inner {
    padding: 5rem 0 4rem;
  }
}

.page-hero__title {
  font-size: 2.25rem;
  font-weight: 425;
  line-height: 1.1;
  letter-spacing: -0.03em;
  color: var(--navy-900);
}

@media (min-width: 640px) {
  .page-hero__title {
    font-size: 3rem;
  }
}

.page-hero__lede {
  font-size: 1.0625rem;
  font-weight: 375;
  line-height: 1.5;
  color: var(--navy-900-70);
}

.page-content {
  width: 100%;
  background-color: var(--white);
  padding: 0 1.5rem;
}

@media (min-width: 640px) {
  .page-content {
    padding: 0 2rem;
  }
}

.page-content__inner {
  margin: 0 auto;
  width: 100%;
  max-width: 56rem;
  padding: 4rem 0 5rem;
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

@media (min-width: 640px) {
  .page-content__inner {
    padding: 5rem 0 6rem;
  }
}

.page-content h2 {
  font-size: 1.5rem;
  font-weight: 500;
  letter-spacing: -0.015em;
  color: var(--navy-900);
  margin-bottom: 0.75rem;
}

.page-content h3 {
  font-size: 1.125rem;
  font-weight: 500;
  color: var(--navy-900);
  margin-bottom: 0.5rem;
}

.page-content p {
  font-size: 1rem;
  line-height: 1.65;
  color: var(--navy-900);
}

.page-content p + p {
  margin-top: 0.75rem;
}

.page-content a {
  color: var(--orange-grad-bottom);
  text-decoration: underline;
  text-underline-offset: 3px;
}

.page-content a:hover {
  opacity: 0.8;
}

.page-content ul,
.page-content ol {
  margin: 0.5rem 0 0.75rem;
  padding-left: 1.5rem;
  font-size: 1rem;
  line-height: 1.65;
  color: var(--navy-900);
}

.page-content ul {
  list-style: disc;
}

.page-content ol {
  list-style: decimal;
}

.page-content li {
  margin-bottom: 0.5rem;
}

.page-content strong {
  font-weight: 600;
}

.page-content em {
  font-style: italic;
}

.page-content address {
  font-style: normal;
  font-size: 1rem;
  line-height: 1.65;
}

.page-content h3 {
  margin-top: 1.5rem;
}

.page-content h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-top: 1.25rem;
  margin-bottom: 0.5rem;
}

.page-content .policy-note {
  margin-top: 0.75rem;
  padding: 0.875rem 1rem;
  background-color: var(--cream);
  border-left: 3px solid var(--navy-400);
  font-size: 0.9375rem;
  line-height: 1.6;
  color: var(--navy-900);
  border-radius: 0 0.375rem 0.375rem 0;
}

.page-section {
  display: flex;
  flex-direction: column;
}

.state-card {
  border: 1px solid var(--border-neutral);
  border-radius: 0.75rem;
  padding: 1.5rem;
  background-color: var(--white);
}

@media (min-width: 640px) {
  .state-card {
    padding: 2rem;
  }
}

.state-card + .state-card {
  margin-top: 1.25rem;
}

.state-card__sub {
  margin-top: 0.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  font-size: 0.9375rem;
  color: var(--navy-900);
}

.state-card__sub strong {
  font-weight: 500;
}

.tx-notice {
  margin-top: 1.25rem;
  padding: 1.25rem;
  border-left: 4px solid var(--orange-400);
  background-color: var(--cream);
  border-radius: 0 0.5rem 0.5rem 0;
}

.tx-notice__heading {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy-900);
  margin-bottom: 0.75rem;
}

.tx-notice__body {
  font-size: 0.8125rem;
  line-height: 1.65;
  color: var(--navy-900);
  /* Preserve all-caps because Texas SML requires it displayed that way. */
}

.page-footnote {
  font-size: 0.875rem;
  color: var(--navy-400);
}

/* ========== Buttons (variants beyond apply) ========== */

.btn--primary {
  background: linear-gradient(
    to top,
    var(--orange-grad-bottom),
    var(--orange-grad-top)
  );
  color: var(--white);
  font-weight: 500;
  font-size: 0.9375rem;
  line-height: 1;
  border-radius: 9999px;
  padding: 0.875rem 1.5rem;
  border: 0;
}

.btn--primary:hover {
  opacity: 0.9;
}

.btn--secondary {
  background: var(--white);
  color: var(--navy-900);
  font-weight: 500;
  font-size: 0.9375rem;
  line-height: 1;
  border-radius: 9999px;
  padding: 0.875rem 1.5rem;
  border: 1px solid var(--border-neutral);
}

.btn--secondary:hover {
  background: var(--cream);
}

.btn--primary:focus-visible,
.btn--secondary:focus-visible {
  outline: 2px solid var(--navy-900);
  outline-offset: 3px;
}

/* ========== External-link interstitial modal ========== */

.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 47, 61, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  z-index: 100;
}

.modal-overlay[hidden] {
  display: none;
}

body.modal-open {
  overflow: hidden;
}

.modal {
  position: relative;
  background: var(--white);
  border-radius: 0.875rem;
  max-width: 32rem;
  width: 100%;
  padding: 2rem;
  box-shadow: 0 24px 60px rgba(15, 47, 61, 0.25);
}

.modal__close {
  position: absolute;
  top: 0.625rem;
  right: 0.875rem;
  background: transparent;
  border: 0;
  font-size: 1.5rem;
  line-height: 1;
  color: var(--navy-400);
  cursor: pointer;
  padding: 0.25rem 0.5rem;
}

.modal__close:hover {
  color: var(--navy-900);
}

.modal__title {
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--navy-900);
  margin-bottom: 0.75rem;
  padding-right: 1.5rem;
}

.modal__body {
  font-size: 0.9375rem;
  line-height: 1.55;
  color: var(--navy-900-70);
  margin-bottom: 1.5rem;
}

.modal__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  justify-content: flex-end;
}

.modal__continue {
  text-decoration: none;
}

/* ========== Cookie consent banner ========== */

.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--navy-900);
  color: var(--white);
  border-top: 1px solid var(--white-15);
  z-index: 90;
  box-shadow: 0 -8px 24px rgba(15, 47, 61, 0.18);
}

.cookie-banner[hidden] {
  display: none;
}

.cookie-banner__inner {
  margin: 0 auto;
  max-width: var(--max-container);
  padding: 1.25rem 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

@media (min-width: 768px) {
  .cookie-banner__inner {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
}

.cookie-banner__text {
  font-size: 0.875rem;
  line-height: 1.55;
  color: var(--white-90);
}

.cookie-banner__link {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.cookie-banner__link:hover {
  color: var(--orange-400);
}

.cookie-banner__actions {
  display: flex;
  gap: 0.75rem;
  flex-shrink: 0;
}