/* ============================================================
   mortgagewithkorbin.com v2 — declutter layer (loads after site.css)
   Same fonts, palette and components; fewer of them per screen.
   ============================================================ */

/* rhythm: sections were 110px; v2 uses 88px desktop / 64px phone */
.v2 .paths,.v2 .scenario,.v2 .about,.v2 .family,.v2 .reviews,.v2 .faq,.v2 .contact,
.v2 .services,.v2 .process,.v2 .loans,.v2 .guides,.v2 .calc-section{padding:88px 0}
.v2 .sh{margin-bottom:48px}
.v2 .quote-band{padding:72px 0}

/* ---- navbar without the top strip ---- */
.v2 .navbar .container{height:76px}
.v2 .nav-links{gap:4px}
.v2 .nav-links a{font-size:.9rem;padding:9px 13px}
.v2 .nav-cta .btn{padding:12px 22px;font-size:.86rem}

/* ---- hero v2 ---- */
.hero2{position:relative;overflow:hidden;padding:84px 0 72px;
  background:radial-gradient(900px 480px at 85% -10%,rgba(184,137,44,.10),transparent 60%),
             linear-gradient(180deg,#fdfcfa 0%,#f7f4ed 100%)}
.hero2 .container{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.hero2 h1{margin-bottom:22px}
.hero2 h1 em{color:var(--gold);font-style:italic}
.hero2-text>p{font-size:1.13rem;color:var(--text-muted);max-width:520px;line-height:1.75;margin-bottom:34px}
.hero2-btns{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px}
.hero2-trust{list-style:none;display:flex;flex-wrap:wrap;gap:8px 28px;padding-top:24px;border-top:1px solid var(--border);
  font-size:.86rem;color:var(--text-muted);font-weight:600}
.hero2-trust b{font-family:'Fraunces',serif;font-size:1.15rem;color:var(--navy);font-weight:600;margin-right:4px}
.hero2-trust a{color:var(--gold-deep);text-decoration:underline;text-underline-offset:3px}
.hero2-photo{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-xl);aspect-ratio:4/5;max-width:440px;justify-self:end;width:100%}
.hero2-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 18%;display:block}
.hero2-cap{position:absolute;left:0;right:0;bottom:0;padding:48px 22px 20px;color:#fff;
  background:linear-gradient(180deg,transparent,rgba(15,32,51,.86))}
.hero2-cap b{display:block;font-family:'Fraunces',serif;font-size:1.25rem;font-weight:600;margin-bottom:3px}
.hero2-cap span{font-size:.78rem;color:var(--gold-light);font-weight:600}

/* ---- paths: three cards + one line ---- */
.v2 .paths{background:var(--white)}
.v2 .paths-grid{grid-template-columns:repeat(3,1fr)}
.paths-more{margin-top:34px;text-align:center;color:var(--text-muted);font-size:.95rem;line-height:1.7}
.paths-more a{color:var(--gold-deep);font-weight:700;text-decoration:underline;text-underline-offset:3px}

/* ---- closing line (replaces the big CTA banner) ---- */
.closing{padding:64px 0;background:var(--navy);color:#fff}
.closing .container{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.closing h2{color:#fff;font-size:clamp(1.5rem,2.6vw,2rem);margin-bottom:6px}
.closing p{color:rgba(255,255,255,.7);max-width:520px;margin:0;font-size:.98rem}
.closing-btns{display:flex;gap:12px;flex-wrap:wrap}
.closing .btn-outline{color:#fff;border-color:rgba(255,255,255,.4)}
.closing .btn-outline:hover{background:rgba(255,255,255,.1);border-color:#fff}

/* ---- licensed states as prose ---- */
.licensed-v2{padding:80px 0;background:var(--off-white);border-top:1px solid var(--border)}
.licensed-v2 h2{margin-bottom:18px;max-width:760px}
.licensed-v2 p{max-width:820px;color:var(--text-muted);line-height:1.75;font-size:1rem}
.licensed-v2 .licensed-note{font-size:.84rem;margin-top:14px}
.licensed-v2 a{color:var(--gold-deep);text-decoration:underline}

/* ---- learn page ---- */
.learn-tools{padding:56px 0 8px;background:var(--white)}
.learn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.learn-card{display:flex;flex-direction:column;gap:6px;background:var(--paper);border:1px solid var(--border);border-radius:var(--radius-lg);
  padding:26px 24px;transition:var(--t);color:var(--text)}
.learn-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.learn-card .lc-k{font-size:.7rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep)}
.learn-card b{font-family:'Fraunces',serif;font-size:1.2rem;color:var(--navy);font-weight:600}
.learn-card span:last-child{font-size:.9rem;color:var(--text-muted);line-height:1.6}
.articles{padding:88px 0;background:var(--off-white)}
.articles .article-list{max-width:860px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
details.article{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:0 28px;box-shadow:var(--shadow-sm)}
details.article summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 0;
  font-family:'Fraunces',serif;font-size:1.2rem;color:var(--navy);font-weight:600}
details.article summary::-webkit-details-marker{display:none}
details.article summary::after{content:'+';font-family:'Manrope',sans-serif;font-size:1.4rem;color:var(--gold);flex-shrink:0;transition:var(--t)}
details.article[open] summary::after{transform:rotate(45deg)}
details.article .article-body{padding:0 0 26px;color:var(--text);line-height:1.75}
details.article .article-body h3{margin:22px 0 8px}
details.article .article-body p{margin-bottom:14px}
details.article .article-body ul,details.article .article-body ol{margin:0 0 14px 22px}

/* ---- contact quick links ---- */
.quicklinks{padding:0 0 88px;background:var(--white)}
.ql-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;max-width:1000px;margin:0 auto}
.ql-grid a{display:flex;flex-direction:column;gap:4px;padding:20px 22px;background:var(--paper);border:1px solid var(--border);border-radius:var(--radius);transition:var(--t)}
.ql-grid a:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.ql-grid b{color:var(--navy);font-size:.98rem}
.ql-grid span{font-size:.82rem;color:var(--text-muted)}

/* ---- footer: three columns ---- */
.v2 footer{padding-top:64px}
.v2 .footer-grid{grid-template-columns:1.6fr 1fr 1fr;gap:48px;padding-bottom:40px}
.footer-specialty{padding:22px 0 0;font-size:.8rem;color:rgba(255,255,255,.5);line-height:1.8}
.footer-specialty span{color:rgba(255,255,255,.35);margin-right:6px}
.footer-specialty a{color:rgba(255,255,255,.62);text-decoration:underline;text-underline-offset:3px}
.footer-specialty a:hover{color:var(--gold-light)}
.v2 .footer-disclosure{padding-top:18px}

/* ---- responsive ---- */
@media(max-width:1024px){
  .hero2{padding:56px 0 56px}
  .hero2 .container{grid-template-columns:1fr;gap:40px}
  .hero2-photo{justify-self:start;max-width:420px;aspect-ratio:4/3}
  .hero2-photo img{object-position:50% 22%}
  .v2 .paths-grid{grid-template-columns:repeat(2,1fr)}
  .learn-grid{grid-template-columns:1fr}
  .ql-grid{grid-template-columns:repeat(2,1fr)}
  .v2 .footer-grid{grid-template-columns:1fr 1fr}
  .v2 .footer-brand{grid-column:1/-1}
}
@media(max-width:640px){
  .v2 .paths,.v2 .scenario,.v2 .about,.v2 .family,.v2 .reviews,.v2 .faq,.v2 .contact,
  .v2 .services,.v2 .process,.v2 .loans,.v2 .guides,.v2 .calc-section,.articles,.licensed-v2{padding:64px 0}
  .hero2{padding:40px 0 48px}
  .hero2-text>p{font-size:1.02rem;margin-bottom:26px}
  .hero2-btns .btn{width:100%}
  .hero2-trust{gap:6px 18px;font-size:.8rem}
  .hero2-photo{max-width:100%;aspect-ratio:1/1}
  .v2 .paths-grid{grid-template-columns:1fr}
  .closing{padding:48px 0}
  .closing .container{flex-direction:column;align-items:flex-start}
  .closing-btns{width:100%}
  .closing-btns .btn{flex:1}
  .ql-grid{grid-template-columns:1fr}
  .v2 .footer-grid{grid-template-columns:1fr;gap:34px}
  details.article{padding:0 18px}
  details.article summary{font-size:1.05rem;padding:18px 0}
}

/* contact: long email must wrap on phones */
.contact-method>div:last-child{min-width:0}
.cm-value{overflow-wrap:anywhere;word-break:break-word}
@media(max-width:640px){.hero2 h1 br{display:none}.hero2 h1{font-size:2.3rem}}