/* palouselending.com — brand colors come from the Empire Home Loans logo */
:root{
  --navy:#142645; --navy-2:#1c3657; --blue:#1d5c9e; --blue-ink:#174f8a;
  --wheat:#c9a256; --wheat-2:#e9d8a8; --sage:#6b8a5a;
  --cream:#f8f5ee; --paper:#ffffff; --ink:#1d2733; --muted:#5a6675; --line:#e2ddd0;
  --radius:10px; --shadow:0 1px 2px rgba(20,38,69,.06),0 6px 20px rgba(20,38,69,.07);
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Source Sans 3",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:400 1.0625rem/1.65 var(--sans);color:var(--ink);background:var(--paper)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-ink)}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2rem,4.2vw,3.1rem);letter-spacing:-.01em}
h2{font-size:clamp(1.45rem,2.5vw,1.9rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 14px;z-index:99}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--wheat);outline-offset:2px}
.muted{color:var(--muted)}
.eyebrow{font-size:.82rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:.6em}
.lede{font-size:1.2rem;color:#38475a;max-width:62ch}

/* buttons */
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:1.4em}
.btn{font:inherit;font-weight:700;cursor:pointer;white-space:nowrap;display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:8px;font-weight:700;text-decoration:none;border:2px solid transparent;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--navy);color:#fff}
.btn-gold{background:var(--wheat);color:var(--navy)}
.btn-gold:hover{background:#dbb769;color:var(--navy)}
.btn-ghost{background:rgba(255,255,255,.75);color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-outline{border-color:var(--blue);color:var(--blue-ink);background:transparent}
.btn-outline:hover{background:var(--blue);color:#fff}
.btn-ghost-light{border-color:#fff;color:#fff}
.btn-ghost-light:hover{background:#fff;color:var(--navy)}
.block{display:flex;width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(6px)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.brand img{width:200px;height:auto}
#nav{display:flex;align-items:center;gap:22px}
#nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
#nav ul a{display:block;white-space:nowrap;padding:10px 10px;color:var(--navy);text-decoration:none;font-weight:600;border-radius:6px}
#nav ul a:hover,#nav ul a[aria-current]{background:var(--cream);color:var(--blue-ink)}
.nav-cta{display:flex;align-items:center;gap:14px}
.hdr-phone{font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap}
.menu-btn{display:none;background:none;border:0;width:44px;height:44px;padding:10px;cursor:pointer}
.menu-btn span{display:block;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}
@media (max-width:1180px){
  .menu-btn{display:block}
  #nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:12px;box-shadow:var(--shadow)}
  #nav.open{display:flex}
  #nav ul{flex-direction:column}
  #nav ul a{padding:12px 8px;font-size:1.1rem}
  .nav-cta{flex-direction:column;align-items:stretch}
  .hdr-phone{padding:8px;text-align:center}
  .brand img{width:170px}
}

/* breadcrumbs */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:14px 0 0;margin:0;font-size:.9rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px;color:#a0a7b0}
.crumbs a{color:var(--muted)}

/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#e7eef5,#f3efe2 70%)}
.hero-art{position:absolute;inset:0;background:url(/assets/img/palouse-hero.svg) center bottom/max(100%,1000px) auto no-repeat}
.hero-inner{position:relative;padding:64px 20px 330px}
.hero h1{max-width:20ch}
@media (max-width:700px){.hero-inner{padding:40px 20px 230px}.hero-art{background-size:760px auto;background-position:72% bottom}}

/* trust bar */
.trust{background:var(--navy);color:#dbe3ee}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding-top:22px;padding-bottom:22px}
.trust-grid div{display:flex;flex-direction:column;border-left:3px solid var(--wheat);padding-left:14px}
.trust strong{color:#fff;font-size:1.08rem}
.trust span{font-size:.92rem}
@media (max-width:800px){.trust-grid{grid-template-columns:1fr 1fr}}

/* sections */
.section{padding:72px 0}
.section.alt{background:var(--cream)}
.sec-head{max-width:680px;margin-bottom:34px}
.sec-head p{color:var(--muted);font-size:1.1rem}
.grp-h{margin:1.6em 0 .8em}
.grp-h:first-child{margin-top:0}
.page-head{background:linear-gradient(180deg,#f2f5f8,var(--cream));padding:42px 0 46px;border-bottom:1px solid var(--line)}
.page-head h1{max-width:24ch}

/* loan columns (home) */
.loan-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.col-h{font-family:var(--sans);font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);border-bottom:2px solid var(--wheat);padding-bottom:10px}
.loan-link{display:block;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.loan-link strong{display:block;color:var(--navy);font-size:1.08rem}
.loan-link span{color:var(--muted);font-size:.97rem}
.loan-link:hover strong{color:var(--blue)}
@media (max-width:900px){.loan-cols{grid-template-columns:1fr}}

/* cards */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}
.card-grid.small{grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s,border-color .15s}
a.card:hover{transform:translateY(-2px);border-color:var(--blue)}
.card h3{margin-bottom:.35em}
.card p{color:var(--muted);font-size:.98rem}
.card .more{margin-top:auto;font-weight:700;color:var(--blue-ink)}
.card.static h2{font-size:1.3rem}

/* split + photo */
.split{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:56px;align-items:center}
.photo-frame{position:relative;max-width:440px}
.photo-frame::before{content:"";position:absolute;inset:18px -18px -18px 18px;background:var(--wheat-2);border-radius:var(--radius);z-index:0}
.photo-frame img{position:relative;border-radius:var(--radius);box-shadow:var(--shadow)}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:40px}.photo-frame{max-width:340px}}

/* steps */
.steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:0;margin:0}
.steps li{counter-increment:s;background:var(--cream);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;gap:6px}
.steps li::before{content:counter(s);font-family:var(--serif);font-weight:700;font-size:1.6rem;color:var(--wheat)}
.steps strong{color:var(--navy);font-size:1.1rem}
.steps span{color:var(--muted)}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* chips */
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0}
.chip{display:inline-block;padding:10px 16px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--navy);text-decoration:none;font-weight:600}
.chip:hover{border-color:var(--blue);color:var(--blue-ink)}

/* content pages */
.with-side{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-top:48px;padding-bottom:64px;align-items:start}
.prose h2{margin-top:1.6em}
.prose>h2:first-child{margin-top:0}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.45em}
.checks{list-style:none;padding:0!important}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:"";position:absolute;left:2px;top:.45em;width:14px;height:8px;border-left:3px solid var(--sage);border-bottom:3px solid var(--sage);transform:rotate(-45deg)}
.link-cols{columns:3 180px;padding-left:1.2em}
.disclaimer{font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:2em}
.side-card{position:sticky;top:100px;background:var(--cream);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.side-card img{border-radius:8px;margin-bottom:14px;aspect-ratio:1/1;object-fit:cover;object-position:top}
.side-name{font-family:var(--serif);font-weight:700;color:var(--navy);font-size:1.25rem;margin:0}
.contact-list{margin:14px 0 18px}
.contact-list li{margin:6px 0}
.contact-list a{text-decoration:none;color:var(--ink)}
.contact-list strong{display:inline-block;min-width:58px;color:var(--navy)}
@media (max-width:960px){.with-side{grid-template-columns:1fr}.side-card{position:static;max-width:420px}}

/* faq */
.faq{margin-top:1.6em}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:700;color:var(--navy);position:relative;font-size:1.08rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font-size:1.6rem;color:var(--blue);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details div{padding:0 0 16px;color:#38475a}

/* contact */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.info li{display:flex;flex-direction:column;margin-bottom:14px}
.info .lbl{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.info a{font-size:1.15rem;font-weight:700;text-decoration:none;word-break:break-word}
address{font-style:normal;margin-bottom:1em}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}

/* cta band */
.cta-band{background:var(--navy);color:#dbe3ee;padding:56px 0}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.25em}
.cta-band p{margin:0;max-width:56ch}
.cta-band .btns{margin-top:0}

/* footer */
.site-footer{background:linear-gradient(to bottom,transparent 0 118px,var(--navy) 118px);color:#c3cedc;font-size:.95rem;position:relative}
.hills-band{height:120px;background:url(/assets/img/palouse-band.svg) center bottom/cover no-repeat}
main:has(>.cta-band:last-child)+.site-footer{background:var(--navy)}
main:has(>.cta-band:last-child)+.site-footer .hills-band{display:none}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1.3fr 1fr;gap:32px;padding-top:40px;padding-bottom:28px}
.site-footer a{color:#e3e9f1;text-decoration:none}
.site-footer a:hover{color:var(--wheat-2);text-decoration:underline}
.foot-name{font-family:var(--serif);font-size:1.3rem;color:#fff;margin-bottom:.3em}
.foot-h{color:var(--wheat);font-weight:700;letter-spacing:.1em;text-transform:uppercase;font-size:.8rem}
.plain{list-style:none;padding:0;margin:0}
.plain li{margin:0 0 7px}
.cols2{columns:2}
.legal{border-top:1px solid rgba(255,255,255,.15);padding-top:22px;padding-bottom:30px;font-size:.85rem;color:#a9b6c7}
.legal a{text-decoration:underline}
.eho{display:flex;align-items:center;gap:10px;font-weight:700;color:#fff}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr}.cols2{columns:2}}
@media print{.site-header,.site-footer,.cta-band,.hero-art{display:none}}

/* --- team branding --- */
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand img{height:auto}
.brand .brand-team{width:178px}
.brand .brand-co{width:128px}
.brand-div{width:1px;height:38px;background:var(--line)}
@media (max-width:1180px){.brand .brand-team{width:150px}.brand .brand-co{width:104px}.brand-div{height:30px}}
@media (max-width:420px){.brand{gap:10px}.brand .brand-team{width:128px}.brand .brand-co{width:88px}}
.foot-logo{width:220px;margin-bottom:14px}

/* --- loan page extras --- */
.scenario{background:var(--cream);border-left:4px solid var(--wheat);border-radius:0 var(--radius) var(--radius) 0;padding:22px 24px;margin:2em 0}
.scenario h3{margin-top:0}
.small{font-size:.88rem}
.area-notes{list-style:none;padding:0!important}
.area-notes li{padding:10px 0;border-bottom:1px solid var(--line);margin:0}
.disclaimer.strong{color:var(--ink);background:#fbf7ec;border:1px solid var(--wheat-2);padding:14px 16px;border-radius:8px}

/* --- apply form --- */
.apply-grid{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:48px;align-items:start}
.form-card{padding:30px}
.lead-form label{display:block;font-weight:600;color:var(--navy);margin-bottom:16px;font-size:.98rem}
.lead-form input:not([type=checkbox]),.lead-form select,.lead-form textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;border:1px solid #c9cfd8;border-radius:8px;font:inherit;font-weight:400;color:var(--ink);background:#fff}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:3px solid rgba(29,92,158,.25);border-color:var(--blue)}
.lead-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.lead-form .opt{font-weight:400;color:var(--muted)}
.lead-form .check{display:flex;gap:10px;align-items:flex-start;font-weight:400;color:var(--ink);font-size:.92rem}
.lead-form .check input{margin-top:4px;width:18px;height:18px;flex:none}
.form-note{font-size:.9rem;background:var(--cream);border-radius:8px;padding:12px 14px;color:#38475a}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead-form button[disabled]{opacity:.7;cursor:wait}
.steps-v{list-style:none;counter-reset:s;padding:0;margin:0 0 1.6em}
.steps-v li{counter-increment:s;position:relative;padding:0 0 18px 46px}
.steps-v li::before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.steps-v strong{display:block;color:var(--navy)}
.steps-v span{color:var(--muted)}
@media (max-width:900px){.apply-grid{grid-template-columns:1fr}.lead-form .row2{grid-template-columns:1fr;gap:0}}

/* --- personal name + company logo in header --- */
.brand-name{display:flex;flex-direction:column;line-height:1.1}
.brand-name strong{font-family:var(--serif);font-size:1.45rem;color:var(--navy);font-weight:700;white-space:nowrap}
.brand-name small{font-size:.78rem;color:var(--muted);letter-spacing:.02em;margin-top:3px;white-space:nowrap}
.brand-with{font-size:.8rem;color:var(--muted);font-style:italic}
.brand .brand-co{width:120px}
@media (max-width:1180px){.brand-name strong{font-size:1.25rem}.brand .brand-co{width:100px}}
@media (max-width:440px){.brand{gap:8px}.brand-name strong{font-size:1.1rem}.brand-name small{font-size:.7rem}.brand-with,.brand-div{display:none}.brand .brand-co{width:78px}}