/* =====================================================================
   House Strategies Group — Ginnie Mae Portfolio Advisory & Asset Disposition
   Design system: "Fiduciary authority, modern clarity" — GNMA edition.
   ===================================================================== */
:root{
  --ink:#0A1C30; --ink-2:#102A44; --ink-3:#173856;
  --paper:#F5F4EF; --paper-2:#FFFFFF; --line:#E2DECF;
  --gold:#C29B43; --gold-deep:#9C7B2E; --gold-soft:#E7D5A8;
  --text:#15212D; --muted:#5A6977; --muted-2:#83909C;
  --on-ink:#EDF2F7; --on-ink-muted:#9DB3C7;
  --pos:#2E7D5B; --neg:#B23A48;
  --c1:#274963; --c2:#3E7CA6; --c3:#7FA8B8; --c4:#C29B43; --c5:#9C7B2E; --c6:#A7B6C2; --c7:#D8C7A0;
  --shadow:0 1px 2px rgba(10,28,48,.04), 0 12px 30px rgba(10,28,48,.07);
  --maxw:1180px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0; font-family:var(--sans); color:var(--text); background:var(--paper);
  font-size:17px; line-height:1.6; -webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--serif); font-weight:540; line-height:1.12; letter-spacing:-.01em; margin:0}
a{color:inherit}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 32px}
.eyebrow{font-family:var(--sans); font-weight:600; font-size:12.5px; letter-spacing:.18em;
  text-transform:uppercase; color:var(--gold-deep); margin:0 0 18px}
.eyebrow.on-ink{color:var(--gold-soft)}
section{padding:96px 0; position:relative}
.lead{font-size:20.5px; line-height:1.55; color:var(--muted); max-width:64ch}
.section-title{font-size:clamp(30px,4.2vw,44px); max-width:24ch}
.note{font-size:13px; color:var(--muted-2); line-height:1.5}
.divider{height:1px; background:var(--line); border:0; margin:0}

/* ---------- shared top nav (injected by nav.js) ---------- */
.topnav{position:sticky;top:0;z-index:50;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:rgba(10,28,48,.97);backdrop-filter:blur(10px);padding:10px clamp(16px,4vw,30px);border-bottom:1px solid rgba(231,213,168,.18)}
.topnav .nb{display:flex;align-items:center;gap:9px;color:#fff;font-weight:650;font-size:13.5px;text-decoration:none;letter-spacing:.02em}
.topnav .hmark{width:25px;height:25px;border-radius:7px;background:linear-gradient(135deg,#C29B43,#9C7B2E);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:600;font-size:14px;color:#fff}
.topnav .nl{display:flex;gap:3px;flex-wrap:wrap}
.topnav .nl a{color:#A6B9C8;font-size:12.5px;font-weight:600;text-decoration:none;padding:6px 10px;border-radius:8px}
.topnav .nl a:hover{color:#fff;background:rgba(255,255,255,.07)}
.topnav .nl a.cur{color:#0A1C30;background:#E7D5A8}
@media(max-width:900px){.topnav .nb .txt{display:none}.topnav .nl a{padding:5px 8px;font-size:11.5px}}

/* ---------- hero ---------- */
.hero{background:
    radial-gradient(1100px 480px at 82% -10%, rgba(194,155,67,.20), transparent 60%),
    radial-gradient(700px 420px at -6% 110%, rgba(62,124,166,.18), transparent 55%),
    linear-gradient(180deg, var(--ink) 0%, var(--ink-2) 100%);
  color:var(--on-ink); padding:104px 0 88px; overflow:hidden; position:relative}
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px),linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size:56px 56px; mask-image:radial-gradient(900px 540px at 75% 0%, #000 0%, transparent 70%)}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:clamp(36px,5.6vw,66px); font-weight:560; max-width:18ch; letter-spacing:-.02em}
.hero .accent{color:var(--gold)}
.hero p.sub{font-size:19.5px; color:var(--on-ink-muted); max-width:60ch; margin:26px 0 0}
.hero .thesis{margin-top:32px; padding:20px 24px; border-left:3px solid var(--gold);
  background:rgba(255,255,255,.04); border-radius:0 10px 10px 0; max-width:66ch; font-size:16px; color:#DCE6EF}
.hero .thesis b{color:#fff; font-weight:650}
.statband{display:grid; grid-template-columns:repeat(4,1fr); gap:1px; margin-top:52px;
  background:rgba(255,255,255,.09); border:1px solid rgba(255,255,255,.09); border-radius:14px; overflow:hidden}
.statband .cell{background:linear-gradient(180deg, rgba(255,255,255,.03), rgba(255,255,255,0)); padding:22px 20px}
.statband .n{font-family:var(--serif); font-size:32px; color:#fff; font-weight:560; letter-spacing:-.01em}
.statband .n .u{font-size:17px; color:var(--gold-soft); margin-left:3px}
.statband .l{font-size:12.5px; color:var(--on-ink-muted); margin-top:6px; letter-spacing:.02em}
@media(max-width:760px){.statband{grid-template-columns:repeat(2,1fr)}}

/* page-hero (interior pages) */
.phero{background:linear-gradient(180deg,var(--ink) 0%, var(--ink-2) 100%); color:var(--on-ink); padding:72px 0 56px}
.phero h1{font-size:clamp(30px,4.4vw,50px); max-width:22ch}
.phero p.sub{font-size:17.5px; color:var(--on-ink-muted); max-width:64ch; margin:18px 0 0}

/* ---------- surfaces ---------- */
.on-paper{background:var(--paper)}
.on-white{background:var(--paper-2)}
.on-dark{background:linear-gradient(180deg,var(--ink) 0%, var(--ink-2) 100%); color:var(--on-ink)}
.on-dark .section-title{color:#fff}
.on-dark .lead{color:var(--on-ink-muted)}
.on-dark .card{background:rgba(255,255,255,.035); border-color:rgba(255,255,255,.08)}
.on-dark .note{color:var(--on-ink-muted)}

.grid{display:grid; gap:20px}
.cards-4{grid-template-columns:repeat(4,1fr)}
.cards-3{grid-template-columns:repeat(3,1fr)}
.cards-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:920px){.cards-4{grid-template-columns:repeat(2,1fr)}.cards-3{grid-template-columns:1fr}}
@media(max-width:620px){.cards-4,.cards-2{grid-template-columns:1fr}}
.card{background:var(--paper-2); border:1px solid var(--line); border-radius:14px; padding:26px; box-shadow:var(--shadow)}
.metric .n{font-family:var(--serif); font-size:38px; font-weight:560; letter-spacing:-.01em; color:var(--ink)}
.metric .n .u{font-size:18px; color:var(--gold-deep); margin-left:2px}
.metric .l{font-size:13.5px; color:var(--muted); margin-top:8px}
.metric .sub{font-size:12.5px; color:var(--muted-2); margin-top:4px}

.figure{background:var(--paper-2); border:1px solid var(--line); border-radius:16px; padding:26px 26px 18px; box-shadow:var(--shadow)}
.on-dark .figure{background:rgba(255,255,255,.04); border-color:rgba(255,255,255,.09)}
.figure h3{font-size:22px; margin-bottom:4px}
.figure .cap{font-size:14px; color:var(--muted); margin:0 0 18px}
.on-dark .figure .cap{color:var(--on-ink-muted)}
.chart-box{position:relative; width:100%}
.legend{display:flex; flex-wrap:wrap; gap:14px 22px; margin-top:14px}
.legend .it{display:flex; align-items:center; gap:8px; font-size:13px; color:var(--muted)}
.on-dark .legend .it{color:var(--on-ink-muted)}
.legend .sw{width:13px;height:13px;border-radius:3px;flex:0 0 auto}

.finding{display:grid; grid-template-columns:48px 1fr; gap:18px; align-items:start;
  background:linear-gradient(180deg,#fff,#FBF8F1); border:1px solid var(--gold-soft);
  border-radius:16px; padding:26px 28px; box-shadow:var(--shadow)}
.finding .badge{width:48px;height:48px;border-radius:12px;background:var(--ink);color:var(--gold);
  display:grid;place-items:center;font-family:var(--serif);font-size:22px;font-weight:600}
.finding h3{font-size:22px;margin-bottom:8px}
.finding p{margin:0;color:var(--text)}
.finding .micro{font-size:13px;color:var(--muted-2);margin-top:12px}
.tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--gold-deep);background:rgba(194,155,67,.14);border:1px solid var(--gold-soft);
  padding:3px 9px;border-radius:999px;margin-bottom:12px}

.tbl-wrap{overflow-x:auto; border:1px solid var(--line); border-radius:14px; box-shadow:var(--shadow); background:var(--paper-2)}
table{border-collapse:collapse; width:100%; font-size:14px; min-width:680px}
thead th{background:#F0EBDE; color:var(--ink); text-align:left; font-weight:650; font-size:12.5px;
  letter-spacing:.04em; text-transform:uppercase; padding:14px 16px; border-bottom:1px solid var(--line); white-space:nowrap}
tbody td{padding:13px 16px; border-bottom:1px solid #EFEAE0; color:var(--text)}
tbody tr:last-child td{border-bottom:0}
tbody tr.hl td{background:rgba(194,155,67,.10); font-weight:600}
td.num,th.num{text-align:right; font-variant-numeric:tabular-nums}
.pill{display:inline-block;font-size:11.5px;font-weight:600;padding:2px 9px;border-radius:999px}
.pill.no{background:#EEF1F3;color:#5C6B79}
.pill.yes{background:#E6F0EA;color:var(--pos)}
.pill.pend{background:rgba(194,155,67,.16);color:var(--gold-deep)}

.split{display:grid; grid-template-columns:1.05fr .95fr; gap:48px; align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr; gap:32px}}

.steps{counter-reset:s; display:grid; gap:16px}
.step{display:grid;grid-template-columns:42px 1fr;gap:18px;align-items:start;
  padding:22px 24px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09);border-radius:14px}
.step::before{counter-increment:s;content:counter(s);width:42px;height:42px;border-radius:11px;
  border:1.5px solid var(--gold);color:var(--gold);font-family:var(--serif);font-size:20px;
  display:grid;place-items:center}
.step h4{font-size:18px;color:#fff;margin-bottom:5px;font-family:var(--sans);font-weight:650}
.step p{margin:0;color:var(--on-ink-muted);font-size:14.5px}
.on-paper .step,.on-white .step{background:var(--paper-2);border-color:var(--line)}
.on-paper .step h4,.on-white .step h4{color:var(--ink)}
.on-paper .step p,.on-white .step p{color:var(--muted)}

/* module cards (overview) */
.mods{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:980px){.mods{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.mods{grid-template-columns:1fr}}
.mod{display:block;background:var(--paper-2);border:1px solid var(--line);border-radius:14px;padding:22px;
  text-decoration:none;box-shadow:var(--shadow);transition:transform .2s ease, border-color .2s ease}
.mod:hover{transform:translateY(-3px);border-color:var(--gold-soft)}
.mod .mk{width:34px;height:34px;border-radius:9px;background:var(--ink);color:var(--gold);display:grid;place-items:center;
  font-family:var(--serif);font-size:16px;margin-bottom:14px}
.mod h4{font-size:16.5px;color:var(--ink);font-family:var(--sans);font-weight:650;margin-bottom:6px}
.mod p{margin:0;font-size:13px;color:var(--muted);line-height:1.5}
.mod .go{display:inline-block;margin-top:12px;font-size:12.5px;font-weight:650;color:var(--gold-deep)}

/* horizontal bars (states etc.) */
.hbars{display:grid;gap:9px}
.hbar{display:grid;grid-template-columns:46px 1fr 110px;gap:12px;align-items:center;font-size:13px}
.hbar .lab{font-weight:650;color:var(--ink)}
.hbar .trk{height:13px;background:#EDE8DB;border-radius:99px;overflow:hidden}
.hbar .fill{height:100%;border-radius:99px;background:linear-gradient(90deg,var(--c1),var(--c2))}
.hbar.gold .fill{background:linear-gradient(90deg,var(--gold-deep),var(--gold))}
.hbar .val{text-align:right;color:var(--muted);font-variant-numeric:tabular-nums;white-space:nowrap}

/* funnel */
.funnel{display:grid;gap:8px}
.frow{display:grid;grid-template-columns:120px 1fr 170px;gap:14px;align-items:center}
.frow .fl{font-size:13px;font-weight:650;color:var(--ink);text-align:right}
.frow .ftrk{height:30px;background:#EDE8DB;border-radius:8px;overflow:hidden;position:relative}
.frow .ffill{height:100%;border-radius:8px 0 0 8px;display:flex;align-items:center;justify-content:flex-end;padding-right:10px;
  color:#fff;font-size:12px;font-weight:650;min-width:36px}
.frow .fv{font-size:13px;color:var(--muted);font-variant-numeric:tabular-nums}
.frow.hot .ffill{background:linear-gradient(90deg,#B23A48,#D2675F)}
.frow.warm .ffill{background:linear-gradient(90deg,#C28B3B,#D9A856)}
.frow.mid .ffill{background:linear-gradient(90deg,#3E7CA6,#5E97BC)}
.frow.cool .ffill{background:linear-gradient(90deg,#274963,#3E7CA6)}

/* engine sliders */
.eng{display:grid;grid-template-columns:1fr;gap:14px}
.seg{background:var(--paper-2);border:1px solid var(--line);border-radius:14px;padding:18px 22px;box-shadow:var(--shadow)}
.seg .top{display:flex;justify-content:space-between;align-items:baseline;gap:10px;flex-wrap:wrap}
.seg h4{font-size:15.5px;font-family:var(--sans);font-weight:650;color:var(--ink)}
.seg .meta{font-size:12.5px;color:var(--muted-2)}
.seg .row{display:grid;grid-template-columns:150px 1fr 84px;align-items:center;gap:14px;margin-top:10px}
.seg .row label{font-size:12.5px;color:var(--muted);font-weight:600}
.seg .row output{font-size:13px;font-weight:650;color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:#E4DCCB;outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;background:var(--gold);border:2.5px solid #fff;box-shadow:0 1px 4px rgba(10,28,48,.35);cursor:pointer}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--gold);border:2.5px solid #fff;cursor:pointer}
.verdict{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:760px){.verdict{grid-template-columns:1fr}}
.vcard{border-radius:14px;padding:22px;border:1px solid var(--line);background:var(--paper-2);box-shadow:var(--shadow)}
.vcard .vn{font-family:var(--serif);font-size:30px;font-weight:560;color:var(--ink)}
.vcard .vl{font-size:12.5px;color:var(--muted);margin-top:5px}
.vcard.win{border-color:var(--gold-soft);background:linear-gradient(180deg,#fff,#FBF6EA)}

/* timeline */
.tline{position:relative;margin:8px 0 0;padding-left:26px;display:grid;gap:18px}
.tline::before{content:"";position:absolute;left:8px;top:6px;bottom:6px;width:2px;background:var(--line)}
.tev{position:relative}
.tev::before{content:"";position:absolute;left:-24px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--gold);border:2.5px solid #fff;box-shadow:0 0 0 1.5px var(--gold-deep)}
.tev .ty{font-size:12px;font-weight:700;letter-spacing:.08em;color:var(--gold-deep);text-transform:uppercase}
.tev .tt{font-weight:650;color:var(--ink);font-size:15px;margin-top:2px}
.tev .td{font-size:13.5px;color:var(--muted);margin-top:2px}

/* cta + footer */
.cta{background:linear-gradient(135deg,var(--ink) 0%, #0A2440 60%, #123A2E 130%);color:var(--on-ink);
  border-radius:20px;padding:54px 48px;text-align:center;box-shadow:var(--shadow)}
.cta h2{font-size:clamp(26px,3.4vw,38px);color:#fff;max-width:26ch;margin:0 auto}
.cta p{color:var(--on-ink-muted);max-width:62ch;margin:16px auto 0}
.btn{display:inline-block;margin-top:26px;background:var(--gold);color:#15243A;font-weight:700;
  text-decoration:none;padding:14px 28px;border-radius:10px;font-size:15px;letter-spacing:.01em}
.btn:hover{background:#D2AC54}
.btn.ghost{background:transparent;border:1.5px solid var(--gold);color:var(--gold)}
footer.foot{background:var(--ink);color:var(--on-ink-muted);padding:38px 0;font-size:13px}
footer.foot .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:center}
footer.foot a{color:var(--gold-soft);text-decoration:none}

.reveal{opacity:0; transform:translateY(18px); transition:opacity .7s ease, transform .7s ease}
.reveal.in{opacity:1; transform:none}
.src{font-size:12px;color:var(--muted-2);margin-top:10px}
.src a{color:var(--gold-deep)}
.mt8{margin-top:8px}.mt16{margin-top:16px}.mt24{margin-top:24px}.mt40{margin-top:40px}.mt56{margin-top:56px}