/* Missed Mortgage Payments — distinct visual identity from
   foreclosuresupport.ca on purpose.

   foreclosuresupport.ca = warm cream + forest green + gold (empathetic)
   THIS SITE              = clean white + navy + amber (practical advisor)

   The shared CHP CRM backend means leads from both funnels land in
   the same inbox, but Google sees two distinct brand surfaces. */

:root {
  --navy:     #143b5a;
  --navy-dk:  #0d2940;
  --navy-bg:  #f0f6fb;
  --amber:    #d97706;
  --amber-dk: #b45f04;
  --amber-bg: #fef3e2;
  --ink:      #1a2433;
  --muted:    #5a6573;
  --faint:    #8c95a3;
  --bg:       #ffffff;
  --surface:  #ffffff;
  --soft:     #f5f7fa;
  --border:   #dde3eb;
  --warn-bg:  #fff8e8;
  --warn-bd:  #e8c879;
  --green:    #14804a;
  --red:      #c0392b;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  font-size: 16px;
}
a { color: var(--navy); }
.container { max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* Header */
header.site {
  padding: 18px 0;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 50;
}
.brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 700; font-size: 16.5px;
  text-decoration: none; color: var(--ink);
  font-family: 'IBM Plex Serif', Georgia, serif;
}
.brand-mark {
  width: 30px; height: 30px; border-radius: 6px;
  background: var(--navy);
  display: inline-flex; align-items: center; justify-content: center;
  color: white; font-weight: 700; font-size: 14px;
  font-family: 'Inter', sans-serif;
  letter-spacing: -0.5px;
}
.header-row {
  display: flex; justify-content: space-between; align-items: center;
  gap: 18px;
}
.nav-links { display: flex; gap: 24px; }
.nav-links a {
  color: var(--muted); text-decoration: none; font-size: 14px;
  font-weight: 500;
}
.nav-links a:hover { color: var(--ink); }
.header-phone a {
  font-weight: 600; color: var(--navy); text-decoration: none;
  font-size: 15px;
}
.header-phone a::before {
  content: "📞 "; font-size: 13px;
}
@media (max-width: 720px) {
  .nav-links { display: none; }
}

/* Banner — urgency message at the very top */
.urgency-banner {
  background: var(--amber-bg);
  border-bottom: 1px solid var(--amber);
  text-align: center;
  padding: 8px 16px;
  font-size: 13.5px;
  color: var(--amber-dk);
  font-weight: 500;
}
.urgency-banner strong { color: var(--navy-dk); }

/* Hero */
.hero { padding: 56px 0 36px; background: var(--soft); border-bottom: 1px solid var(--border); }
.hero-grid {
  display: grid; gap: 40px;
  grid-template-columns: 1.15fr 1fr;
  align-items: start;
}
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
}
.hero-eyebrow {
  display: inline-block;
  font-size: 12px; font-weight: 700; letter-spacing: 1.5px;
  color: var(--amber-dk); margin-bottom: 14px;
  text-transform: uppercase;
}
.hero h1 {
  font-family: 'IBM Plex Serif', Georgia, serif;
  font-size: 42px; line-height: 1.15; font-weight: 700;
  letter-spacing: -0.5px;
}
@media (max-width: 640px) { .hero h1 { font-size: 30px; } }
.hero-sub {
  font-size: 17.5px; color: var(--muted); margin-top: 16px;
  max-width: 540px; line-height: 1.6;
}
.timeline-strip {
  display: flex; gap: 0; margin-top: 24px; flex-wrap: wrap;
  background: var(--surface); border: 1px solid var(--border);
  border-radius: 8px; padding: 4px; max-width: 580px;
}
.timeline-step {
  flex: 1; min-width: 110px;
  padding: 10px 12px;
  text-align: center; font-size: 11.5px;
  color: var(--muted); font-weight: 500;
  border-right: 1px dashed var(--border);
}
.timeline-step:last-child { border-right: 0; }
.timeline-step strong { display: block; color: var(--navy); font-size: 14px; margin-bottom: 2px; }
.timeline-step.danger strong { color: var(--red); }

/* Hero form */
.form-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: 10px; padding: 24px;
  box-shadow: 0 12px 32px rgba(20, 59, 90, 0.08);
}
.form-card h2 {
  font-size: 19px; font-weight: 700; margin-bottom: 4px;
  font-family: 'IBM Plex Serif', Georgia, serif;
}
.form-card .lead {
  color: var(--muted); font-size: 13.5px; margin-bottom: 16px;
}
.field { margin-bottom: 11px; }
.field label {
  display: block; font-size: 12.5px; font-weight: 600;
  color: var(--ink); margin-bottom: 5px;
  text-transform: uppercase; letter-spacing: 0.3px;
}
.field input, .field textarea, .field select {
  width: 100%; padding: 10px 12px;
  border: 1px solid var(--border); border-radius: 6px;
  font-family: inherit; font-size: 15px; color: var(--ink);
  background: var(--bg);
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; border-color: var(--amber);
  box-shadow: 0 0 0 3px rgba(217, 119, 6, 0.15);
}
.field-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
}
@media (max-width: 540px) { .field-row { grid-template-columns: 1fr; } }
.submit {
  width: 100%; padding: 14px; border: 0; border-radius: 6px;
  background: var(--amber); color: white; font-weight: 700;
  font-size: 15.5px; cursor: pointer; font-family: inherit;
  transition: background .15s;
  text-transform: uppercase; letter-spacing: 0.5px;
}
.submit:hover { background: var(--amber-dk); }
.submit:disabled { opacity: 0.6; cursor: not-allowed; }
.consent {
  font-size: 11px; color: var(--muted); margin-top: 10px;
  line-height: 1.5;
}
.form-success {
  padding: 18px; background: #e8f5ed; border: 1px solid var(--green);
  border-radius: 8px; color: #0d5a32; font-weight: 500;
  display: none;
}
.form-success.active { display: block; }
.form-error {
  padding: 12px; background: #fdecec; border: 1px solid var(--red);
  border-radius: 6px; color: #832020; font-size: 14px;
  margin-bottom: 12px; display: none;
}
.form-error.active { display: block; }

/* Section headers */
.section-h2 {
  font-family: 'IBM Plex Serif', Georgia, serif;
  font-size: 28px; line-height: 1.2; font-weight: 700;
  margin-bottom: 8px; color: var(--navy-dk);
}
.section-intro {
  color: var(--muted); margin-bottom: 24px; max-width: 700px;
  font-size: 16px;
}

/* Action-grid: 1-2-3-4 numbered steps */
.action-section { padding: 56px 0; border-bottom: 1px solid var(--border); }
.action-grid {
  display: grid; gap: 16px;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  margin-top: 8px;
}
.action-card {
  border: 1px solid var(--border); border-radius: 8px;
  padding: 22px; background: var(--surface);
  border-left: 4px solid var(--amber);
}
.action-card .num {
  font-family: 'IBM Plex Serif', Georgia, serif;
  font-size: 26px; font-weight: 700; color: var(--amber-dk);
  margin-bottom: 8px; display: block;
}
.action-card h3 {
  font-size: 16px; font-weight: 600; margin-bottom: 6px;
}
.action-card p { font-size: 14px; color: var(--muted); }

/* Three-options block */
.options-section { padding: 56px 0; background: var(--soft); border-bottom: 1px solid var(--border); }
.opt-grid {
  display: grid; gap: 16px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}
.opt {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: 8px; padding: 24px;
}
.opt h3 {
  font-size: 17px; font-weight: 700; margin-bottom: 10px;
  display: flex; align-items: center; gap: 10px;
  color: var(--navy-dk);
}
.opt-tag {
  display: inline-block; font-size: 10.5px;
  padding: 3px 8px; border-radius: 4px;
  background: var(--navy-bg); color: var(--navy-dk);
  font-weight: 700; letter-spacing: 0.4px; text-transform: uppercase;
}
.opt p { font-size: 14.5px; color: var(--muted); margin-bottom: 10px; }
.opt-when { font-size: 13px; color: var(--ink); padding-top: 10px; border-top: 1px solid var(--border); }
.opt-when strong { color: var(--amber-dk); }

/* Comparison table */
.compare { padding: 56px 0; border-bottom: 1px solid var(--border); }
.compare-table {
  width: 100%; border-collapse: collapse;
  background: var(--surface); border: 1px solid var(--border);
  border-radius: 8px; overflow: hidden;
  margin-top: 8px;
}
.compare-table th, .compare-table td {
  padding: 12px 16px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
}
.compare-table th {
  background: var(--navy);
  color: white;
  font-weight: 600;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.compare-table tr:last-child td { border-bottom: 0; }
.compare-table tr:nth-child(even) td { background: var(--soft); }

/* FAQ */
.faq { padding: 56px 0; background: var(--soft); border-bottom: 1px solid var(--border); }
.faq-list { max-width: 760px; margin-top: 10px; }
.faq-list details {
  border-bottom: 1px solid var(--border);
  padding: 14px 0;
}
.faq-list summary {
  font-size: 15.5px; font-weight: 600; cursor: pointer;
  list-style: none; padding: 4px 0; color: var(--navy-dk);
  display: flex; justify-content: space-between; align-items: center;
}
.faq-list summary::after {
  content: "+"; font-size: 22px; color: var(--amber); font-weight: 400;
}
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p {
  margin-top: 10px; color: var(--muted); font-size: 14.5px;
  line-height: 1.65;
}

/* CTA strip */
.cta-strip {
  background: var(--navy-dk); color: white;
  padding: 48px 0; text-align: center;
}
.cta-strip h2 {
  font-family: 'IBM Plex Serif', Georgia, serif;
  font-size: 28px; font-weight: 700; margin-bottom: 10px;
  color: white;
}
.cta-strip p { color: #c0cad3; margin-bottom: 22px; font-size: 16px; }
.cta-button {
  display: inline-block; padding: 14px 32px;
  background: var(--amber); color: white; font-weight: 700;
  border-radius: 6px; text-decoration: none; font-size: 14.5px;
  transition: opacity .15s;
  text-transform: uppercase; letter-spacing: 0.5px;
}
.cta-button:hover { background: var(--amber-dk); }

/* Disclaimer */
.disclaimer {
  margin: 36px 0 18px;
  padding: 20px 24px;
  background: var(--warn-bg);
  border: 1px solid var(--warn-bd);
  border-radius: 8px;
  font-size: 13.5px; line-height: 1.65; color: #5c4514;
}
.disclaimer strong { color: #3d2e0c; }

/* Footer */
footer.site {
  background: var(--navy-dk);
  color: #c0cad3;
  padding: 36px 0 30px;
  font-size: 14px;
}
footer .footer-grid {
  display: grid; gap: 18px;
  grid-template-columns: 2fr 1fr 1fr;
}
@media (max-width: 720px) { footer .footer-grid { grid-template-columns: 1fr; } }
footer h5 {
  font-size: 12.5px; font-weight: 700; color: white;
  margin-bottom: 12px; text-transform: uppercase; letter-spacing: 0.6px;
}
footer a { color: #c0cad3; text-decoration: none; }
footer a:hover { color: white; }
footer ul { list-style: none; }
footer li { margin-bottom: 5px; }

/* Static content pages (privacy, disclaimer, etc.) */
.content-page {
  max-width: 760px; margin: 40px auto 60px; padding: 0 24px;
}
.content-page h1 {
  font-family: 'IBM Plex Serif', Georgia, serif;
  font-size: 32px; line-height: 1.2; margin-bottom: 12px;
  color: var(--navy-dk);
}
.content-page .updated {
  font-size: 13px; color: var(--muted); margin-bottom: 28px;
}
.content-page h2 {
  font-size: 19px; font-weight: 700; margin: 28px 0 10px;
  color: var(--navy-dk);
  font-family: 'IBM Plex Serif', Georgia, serif;
}
.content-page p, .content-page li {
  font-size: 15px; line-height: 1.65; color: var(--muted);
  margin-bottom: 12px;
}
.content-page ul, .content-page ol {
  margin-left: 22px; margin-bottom: 16px;
}