/* Barrie Mortgage Brokers — shared styles. Mobile-first, no frameworks. */
:root{
  --navy:#10293f;
  --navy-2:#0b1f31;
  --gold:#c08d1a;
  --gold-soft:#f7ecd2;
  --bg:#ffffff;
  --bg-soft:#f4f7fa;
  --text:#243342;
  --muted:#5c6d7d;
  --line:#dfe7ee;
  --radius:10px;
  --max:1140px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font);
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto}
a{color:#0d5a8a;text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--navy)}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:0 0 .6em}
h1{font-size:2rem}
h2{font-size:1.55rem;margin-top:2.2em}
h3{font-size:1.2rem;margin-top:1.6em}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.4em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.section{padding:56px 0}
.section-soft{background:var(--bg-soft)}

/* Skip link */
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:0}

/* Header */
.site-header{
  position:sticky;top:0;z-index:100;
  background:var(--navy);color:#fff;
  box-shadow:0 2px 8px rgba(0,0,0,.18);
  border-bottom:3px solid var(--gold);
}
.header-inner{display:flex;align-items:center;gap:16px;padding:14px 20px;max-width:var(--max);margin:0 auto}
.brand{display:flex;align-items:center;gap:13px;color:#fff;text-decoration:none;margin-right:auto}
.brand:hover,.brand:focus{color:#fff}
.brand-logo{width:64px;height:64px;flex:0 0 64px;display:block}
.brand-text{line-height:1.25}
.brand-text strong{display:block;font-size:1.09rem;letter-spacing:.3px;font-weight:700}
.brand-text small{display:block;font-size:.76rem;color:#c7d4e0;letter-spacing:.8px}
.header-phone{
  color:#fff;text-decoration:none;font-weight:700;white-space:nowrap;
  border:2px solid var(--gold);border-radius:8px;padding:8px 14px;font-size:.95rem;
}
.header-phone:hover{background:var(--gold);color:var(--navy-2)}
.nav-toggle{display:none;background:none;border:2px solid #3d5a76;color:#fff;border-radius:8px;padding:8px 12px;font-size:1rem;cursor:pointer}

/* Nav */
.main-nav{background:var(--navy-2)}
.main-nav>ul{list-style:none;margin:0 auto;padding:0 20px;max-width:var(--max);display:flex;flex-wrap:wrap}
.main-nav li{position:relative}
.main-nav>ul>li>a{
  display:block;color:#e8eef4;text-decoration:none;padding:12px 16px;font-size:.96rem;
}
.main-nav>ul>li>a:hover,.main-nav>ul>li>a:focus{background:#16344e;color:#fff}
.main-nav .has-sub>a::after{content:" ▾";font-size:.8em}
.submenu{
  display:none;position:absolute;left:0;top:100%;min-width:250px;z-index:120;
  background:#fff;border:1px solid var(--line);border-radius:0 0 8px 8px;
  box-shadow:0 10px 24px rgba(0,0,0,.14);padding:8px 0;list-style:none;margin:0;
}
/* Submenus open only via JS (.sub-open): every open path has a matching close
   path (mouseleave, focusout, outside pointerdown, Escape), so menus can never
   get stuck open. Without JS, classic hover still works on desktop. */
.has-sub.sub-open>.submenu{display:block}
body:not(.js) .has-sub:hover>.submenu{display:block}
.submenu a{display:block;padding:9px 18px;color:var(--text);text-decoration:none;font-size:.93rem}
.submenu a:hover{background:var(--bg-soft);color:var(--navy)}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#1b3d5c 70%,#24506f 100%);color:#fff;padding:64px 0 56px}
.hero h1{color:#fff;font-size:2.3rem;margin-bottom:.5em;max-width:16em}
.hero .lede{font-size:1.12rem;color:#d7e2ec;max-width:44em}
.hero-cta{margin-top:1.6em;display:flex;gap:12px;flex-wrap:wrap}
.btn{
  display:inline-block;text-decoration:none;font-weight:700;cursor:pointer;
  padding:13px 26px;border-radius:8px;font-size:1rem;border:2px solid transparent;
}
.btn-gold{background:var(--gold);color:var(--navy-2)}
.btn-gold:hover{background:#d6a82e;color:var(--navy-2)}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:#1b3d5c;color:#fff}
.hero-trust{margin-top:1.8em;font-size:.92rem;color:#b9c9d8}
.hero-trust strong{color:#fff}

/* Answer box (key takeaways — GEO quote-ready) */
.answer-box{
  background:var(--gold-soft);border-left:5px solid var(--gold);
  border-radius:0 var(--radius) var(--radius) 0;
  padding:20px 24px;margin:1.8em 0;
}
.answer-box p{margin:.4em 0}
.answer-box .answer-label{
  text-transform:uppercase;font-size:.78rem;letter-spacing:1.2px;
  color:#7a5f10;font-weight:800;margin-bottom:.4em;
}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:20px;margin:1.6em 0}
.card{
  border:1px solid var(--line);border-radius:var(--radius);padding:22px;
  background:#fff;display:flex;flex-direction:column;
}
.card h3{margin-top:0;font-size:1.12rem}
.card p{color:var(--muted);font-size:.96rem;flex:1}
.card a{font-weight:700;text-decoration:none}
.card a:hover{text-decoration:underline}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin:1.6em 0;counter-reset:step}
.step{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff}
.step-num{
  width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;
  font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:.8em;
}
.step h3{margin-top:0}

/* FAQ */
.faq details{
  border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;background:#fff;
}
.faq summary{
  cursor:pointer;font-weight:700;color:var(--navy);padding:16px 20px;list-style:none;
  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(--gold);font-weight:800;flex:0 0 auto}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 20px 18px;color:var(--text)}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;padding:52px 0;text-align:center}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#c7d4e0;max-width:40em;margin:0 auto 1.4em}

/* Testimonials */
.testimonial{
  border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:var(--radius);
  padding:20px 24px;margin-bottom:16px;background:#fff;
}
.testimonial blockquote{margin:0 0 .6em;font-style:italic}
.testimonial cite{font-style:normal;font-weight:700;color:var(--navy);font-size:.95rem}
.review-cta{margin:1.6em 0;text-align:center}

/* Forms */
.contact-form{max-width:640px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{
  width:100%;padding:12px;border:1px solid var(--line);border-radius:8px;font:inherit;
}
.field textarea{min-height:140px;resize:vertical}
.field .hint{font-size:.85rem;color:var(--muted);margin-top:4px}

/* Map */
.map-wrap{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:1.6em 0}
.map-wrap iframe{width:100%;height:380px;border:0;display:block}

/* Photo placeholder */
.photo-frame{float:right;max-width:280px;margin:.2em 0 1.2em 1.6em;padding:0;border:0;background:none;min-height:0;display:block}
.photo-frame img{border-radius:var(--radius);width:100%;height:auto;display:block}
.clear-float{clear:both}

/* Breadcrumbs */
.crumbs{font-size:.88rem;color:var(--muted);margin:0 0 1.2em}
.crumbs a{color:var(--muted)}

/* Footer */
.site-footer{background:var(--navy-2);color:#c7d4e0;padding:52px 0 28px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:28px;margin-bottom:28px}
.site-footer h3{color:#fff;font-size:1.05rem;margin-top:0}
.site-footer a{color:#dbe5ee}
.site-footer a:hover{color:#fff}
.footer-links{list-style:none;margin:0;padding:0}
.footer-links li{margin-bottom:8px}
.footer-legal{
  border-top:1px solid #2a435c;padding-top:20px;font-size:.85rem;color:#93a7ba;
}
.footer-legal p{margin:.3em 0}

/* Tables */
table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:.96rem}
th,td{border:1px solid var(--line);padding:10px 14px;text-align:left}
th{background:var(--navy);color:#fff}
tr:nth-child(even) td{background:var(--bg-soft)}

/* Article meta */
.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:1.4em}

/* Responsive */
@media (max-width:860px){
  body{font-size:16px}
  .photo-frame{float:none;max-width:260px;margin:0 auto 1.4em}
  .hero h1{font-size:1.7rem}
  .nav-toggle{display:block}
  .main-nav>ul{display:none;flex-direction:column}
  .main-nav.open>ul{display:flex}
  .main-nav li{width:100%}
  .submenu{position:static;display:none;box-shadow:none;border:0;border-radius:0;background:#0f2a41}
  .submenu a{color:#dbe5ee;padding-left:32px}
  .header-phone{font-size:.85rem;padding:7px 10px}
  .brand-text small{display:none}
  .section{padding:40px 0}
}
@media (max-width:480px){
  .header-inner{flex-wrap:wrap;gap:10px 12px;padding:12px 16px}
  .brand-logo{width:46px;height:46px;flex-basis:46px}
  .brand-text strong{font-size:1rem}
  .header-phone{font-size:.8rem;padding:6px 9px}
  .nav-toggle{font-size:.9rem;padding:6px 10px}
}
@media print{
  .site-header,.main-nav,.cta-band,.map-wrap{display:none}
}

.stars{color:#e8a013;letter-spacing:.2em;margin-bottom:.4em}
.rating-summary{text-align:center;margin:-.4em 0 1.4em}
.awards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1em;margin:1.2em 0}
@media(max-width:700px){.awards-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:440px){.awards-grid{grid-template-columns:1fr}}
.award{text-align:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1em .8em;display:flex;flex-direction:column;align-items:center;justify-content:flex-start}
.award img{height:92px;width:auto;max-width:100%;object-fit:contain;margin:0 auto .6em;background:#fff;border-radius:6px}
.award p{margin:0;font-size:.92rem}