/* SE Pages — DSCR Loans landing page (American Mortgage Solutions).
   All selectors scoped under .se-dscr. Brand: Plus Jakarta Sans + AMS navy/red.
   Ported from the design mockup, re-tokenized to the real AMS brand. */

@font-face{font-family:'Plus Jakarta Sans';src:url(../fonts/plus-jakarta-sans.woff2) format('woff2');font-weight:300 800;font-style:normal;font-display:swap}

:root{
  --ink:#0F2F65;          /* AMS Blue (navy) */
  --ink-2:#0b2450;
  --red:#BD000D;          /* AMS Red (primary CTA) */
  --red-hover:#9a000a;
  --heading:#222222;
  --body:#565F6D;
  --paper:#FFFFFF;
  --surface:#F6F7F8;
  --line:rgba(15,47,101,.14);
  --line-2:#E4E7EE;
  --line-soft:rgba(255,255,255,.18);
}

.se-dscr *{box-sizing:border-box}
body.se-dscr{margin:0;font-family:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:16px;line-height:1.6;color:var(--body);background:var(--paper);-webkit-font-smoothing:antialiased}
.se-dscr a{color:inherit}
.se-dscr img,.se-dscr svg{display:block;max-width:100%}
.se-dscr h1,.se-dscr h2,.se-dscr h3{color:var(--heading)}
.se-dscr .wrap{max-width:1120px;margin:0 auto;padding:0 28px}
.se-dscr :focus-visible{outline:2px solid var(--red);outline-offset:3px}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.se-dscr *{animation-duration:.001ms!important;transition-duration:.001ms!important}}

/* -------- buttons -------- */
.se-dscr .btn{display:inline-block;font-weight:700;font-size:.95rem;line-height:1;padding:14px 26px;border-radius:6px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,border-color .15s ease,color .15s ease}
.se-dscr .btn-primary{background:var(--red);color:#fff}
.se-dscr .btn-primary:hover{background:var(--red-hover);transform:translateY(-1px)}
.se-dscr .btn-ghost{background:transparent;border-color:var(--ink);color:var(--ink)}
.se-dscr .btn-ghost:hover{background:var(--ink);color:#fff}
.se-dscr .btn-light{background:#fff;color:var(--ink);border-color:#fff}
.se-dscr .btn-light:hover{background:transparent;color:#fff}
.se-dscr .btn-outline-light{background:transparent;border-color:rgba(255,255,255,.5);color:#fff}
.se-dscr .btn-outline-light:hover{background:#fff;color:var(--ink)}

/* -------- header (stripped LP chrome) -------- */
.se-dscr .lp-hdr{background:#fff;border-bottom:1px solid var(--line-2);position:sticky;top:0;z-index:40}
.se-dscr .lp-hdr .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:16px}
.se-dscr .brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.se-dscr .brand img{height:42px;width:auto}
.se-dscr .brand .nmls{font-size:.68rem;letter-spacing:.06em;color:var(--body);opacity:.7;padding-left:14px;border-left:1px solid var(--line-2)}
.se-dscr .hdr-right{display:flex;align-items:center;gap:22px}
.se-dscr .hdr-phone{display:flex;align-items:center;gap:8px;font-weight:700;font-size:1rem;text-decoration:none;color:var(--ink)}
.se-dscr .hdr-phone svg{width:16px;height:16px;fill:var(--red)}
@media (max-width:640px){.se-dscr .brand .nmls{display:none}.se-dscr .hdr-phone span{display:none}.se-dscr .lp-hdr .btn{padding:11px 18px;font-size:.88rem}}

/* -------- hero (navy, lead form on the right) -------- */
.se-dscr .hero{background:linear-gradient(160deg,#0F2F65 0%,#0b2450 100%);color:#fff;padding:66px 0 72px}
.se-dscr .hero .wrap{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center}
.se-dscr .hero h1,.se-dscr .hero h2,.se-dscr .hero h3{color:#fff}
.se-dscr .eyebrow{font-size:.76rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin:0 0 16px}
.se-dscr .hero .eyebrow{color:#8fb0e6}
.se-dscr .hero h1{font-weight:700;font-size:clamp(2.15rem,4.2vw,3.2rem);line-height:1.08;letter-spacing:-.015em;margin:0 0 20px}
.se-dscr .hero h1 em{font-style:italic;color:#fff;text-decoration:underline;text-decoration-color:var(--red);text-underline-offset:5px;text-decoration-thickness:3px}
.se-dscr .hero .lede{font-size:1.1rem;max-width:48ch;color:rgba(255,255,255,.9);margin:0 0 26px}
.se-dscr .hero .trust{display:flex;flex-wrap:wrap;gap:10px 24px;font-size:.9rem;color:rgba(255,255,255,.82)}
.se-dscr .hero .trust b{color:#fff;font-weight:700}

/* -------- lead form card -------- */
.se-dscr .lead-card{background:#fff;border-radius:12px;padding:30px 28px;box-shadow:0 26px 60px rgba(0,0,0,.28);scroll-margin-top:100px}
.se-dscr .lead-card h2{font-size:1.4rem;font-weight:700;margin:0 0 4px;color:var(--heading)}
.se-dscr .lead-card .lc-sub{font-size:.94rem;margin:0 0 20px;color:var(--body)}
.se-dscr .lead-card .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.se-dscr .lc-fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.se-dscr .lc-field{display:flex;flex-direction:column;gap:6px}
.se-dscr .lc-field.full{grid-column:1 / -1}
.se-dscr .lc-field label{font-size:.82rem;font-weight:600;color:var(--heading)}
.se-dscr .lc-field input{width:100%;background:#fcfcfd;border:1px solid var(--line-2);border-radius:8px;padding:.8rem .85rem;font-size:1rem;font-family:inherit;color:var(--heading);transition:border-color .15s,box-shadow .15s}
.se-dscr .lc-field input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(15,47,101,.12)}
.se-dscr .lc-consent{display:flex;gap:10px;align-items:flex-start;margin:16px 0 6px}
.se-dscr .lc-consent input{margin-top:3px;flex:none;width:18px;height:18px;accent-color:var(--red)}
.se-dscr .lc-consent .cx{font-size:.72rem;line-height:1.5;color:var(--body)}
.se-dscr .lc-consent .cx a{color:var(--ink);text-decoration:underline}
.se-dscr .lead-card .form-msg{margin:12px 0 0;font-size:.9rem;color:var(--red);font-weight:600}
.se-dscr .lead-card .submit{width:100%;margin-top:12px;padding:15px}
.se-dscr .lead-card .fine{margin:12px 0 0;font-size:.72rem;color:var(--body);opacity:.75;text-align:center}
@media (max-width:860px){.se-dscr .hero .wrap{grid-template-columns:1fr;gap:36px}}
@media (max-width:420px){.se-dscr .lc-fields{grid-template-columns:1fr}}

/* -------- section shell -------- */
.se-dscr section{padding:74px 0}
.se-dscr .section-alt{background:var(--surface)}
.se-dscr .section-dark{background:var(--ink);color:#fff}
.se-dscr .section-dark h1,.se-dscr .section-dark h2,.se-dscr .section-dark h3{color:#fff}
.se-dscr .section-dark .eyebrow{color:#8fb0e6}
.se-dscr .section-head{max-width:64ch;margin-bottom:40px}
.se-dscr .section-head h2{font-weight:700;font-size:clamp(1.65rem,2.6vw,2.25rem);letter-spacing:-.01em;margin:0 0 14px}
.se-dscr .section-head p{font-size:1.02rem;margin:0}
.se-dscr .section-dark .section-head p{color:rgba(255,255,255,.78)}

/* -------- "what DSCR means": equation + calculator -------- */
.se-dscr .dscr-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:start}
@media (max-width:900px){.se-dscr .dscr-grid{grid-template-columns:1fr}}
.se-dscr .equation-card{background:#fff;border:1px solid var(--line-2);border-radius:10px;padding:32px;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:22px}
.se-dscr .eq-block{text-align:center}
.se-dscr .eq-block .amt{font-size:1.65rem;font-weight:700;color:var(--ink)}
.se-dscr .eq-block .lbl{font-size:.84rem;color:var(--body);margin-top:6px}
.se-dscr .eq-divider{font-size:1.4rem;font-weight:700;color:var(--red);text-align:center}
.se-dscr .eq-result{grid-column:1 / -1;border-top:1px dashed var(--line-2);padding-top:20px;margin-top:4px;display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap}
.se-dscr .eq-result .big{font-size:1.9rem;font-weight:700;color:var(--ink)}
.se-dscr .eq-result .note{font-size:.88rem;color:var(--body)}
.se-dscr .dscr-note{margin-top:22px;font-size:.95rem;max-width:62ch;color:var(--body)}

/* calculator card (moved out of the mockup hero) */
.se-dscr .scale-card{background:var(--ink);border-radius:10px;padding:28px 26px;color:#fff}
.se-dscr .scale-card .calc-label{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#8fb0e6;margin-bottom:14px}
.se-dscr .calc-inputs{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:6px}
.se-dscr .calc-inputs label{display:flex;flex-direction:column;gap:6px;font-size:.8rem;color:rgba(255,255,255,.72)}
.se-dscr .calc-inputs input{font-size:1rem;background:rgba(255,255,255,.08);border:1px solid var(--line-soft);color:#fff;padding:10px;border-radius:6px;font-family:inherit}
.se-dscr .calc-inputs input:focus{outline:none;border-color:#8fb0e6}
.se-dscr .scale-svg-wrap{margin:10px 0 4px}
.se-dscr #beamGroup{transform-origin:160px 92px;transition:transform .35s cubic-bezier(.2,.7,.3,1)}
.se-dscr .pan-label{font-size:10px;font-weight:600;fill:rgba(255,255,255,.75);text-anchor:middle}
.se-dscr .ratio-row{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;border-top:1px solid var(--line-soft);padding-top:16px;margin-top:4px}
.se-dscr .ratio-num{font-size:2.1rem;font-weight:700;color:#fff}
.se-dscr .ratio-num.neg{color:#ff8ba3}
.se-dscr .ratio-caption{font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.se-dscr .ratio-msg{font-size:.9rem;color:rgba(255,255,255,.86);text-align:right;max-width:52%}

/* -------- benefit grid -------- */
.se-dscr .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:860px){.se-dscr .grid-3{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.se-dscr .grid-3{grid-template-columns:1fr}}
.se-dscr .benefit-card{background:#fff;border:1px solid var(--line-2);border-radius:10px;padding:26px 24px}
.se-dscr .benefit-card .mark{width:34px;height:34px;border-radius:50%;background:var(--red);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.se-dscr .benefit-card .mark svg{width:15px;height:15px}
.se-dscr .benefit-card h3{font-size:1.1rem;font-weight:700;margin:0 0 8px}
.se-dscr .benefit-card p{margin:0;font-size:.92rem}
.se-dscr .benefit-card ul{margin:8px 0 0;padding-left:18px;font-size:.92rem}
.se-dscr .benefit-card li{margin-bottom:3px}

/* -------- candidate checklist -------- */
.se-dscr .check-grid{display:grid;grid-template-columns:1fr 1fr;gap:2px 34px}
@media (max-width:640px){.se-dscr .check-grid{grid-template-columns:1fr}}
.se-dscr .check-item{display:flex;align-items:center;gap:12px;padding:14px 0;border-bottom:1px solid var(--line-2);font-weight:600;color:var(--heading)}
.se-dscr .check-item .tick{flex:none;width:22px;height:22px;border-radius:50%;background:rgba(189,0,13,.1);border:1px solid var(--red);display:flex;align-items:center;justify-content:center}
.se-dscr .check-item .tick svg{width:11px;height:11px}

/* -------- property chips -------- */
.se-dscr .chip-row{display:flex;flex-wrap:wrap;gap:10px}
.se-dscr .chip{font-size:.86rem;font-weight:600;padding:10px 18px;border:1px solid var(--line-soft);border-radius:999px;background:rgba(255,255,255,.06);color:#fff}

/* -------- states -------- */
.se-dscr .state-row{display:flex;flex-wrap:wrap;gap:14px}
.se-dscr .state-card{flex:1 1 150px;border:1px solid var(--line-2);border-radius:10px;padding:22px;text-align:center;background:#fff;font-weight:700;font-size:1.05rem;color:var(--ink)}

/* -------- broker bio -------- */
.se-dscr .bio{display:grid;grid-template-columns:220px 1fr;gap:36px;align-items:center}
@media (max-width:700px){.se-dscr .bio{grid-template-columns:1fr}}
.se-dscr .bio-badge{background:var(--ink);border-radius:10px;padding:30px 20px;text-align:center;color:#fff}
.se-dscr .bio-badge .yrs{font-size:3rem;font-weight:800;color:#fff;line-height:1}
.se-dscr .bio-badge .yrs-lbl{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:#8fb0e6;margin-top:8px}
.se-dscr .bio-copy h3{font-size:1.4rem;font-weight:700;margin:0 0 10px}
.se-dscr .bio-copy p{margin:0 0 10px}
.se-dscr .bio-copy .offices{margin-top:16px;font-size:.86rem;color:var(--body);opacity:.8}

/* -------- FAQ -------- */
.se-dscr .faq-item{border-bottom:1px solid var(--line-2)}
.se-dscr .faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;background:none;border:none;text-align:left;font-family:inherit;font-weight:700;font-size:1.02rem;color:var(--ink);padding:20px 4px;cursor:pointer}
.se-dscr .faq-q .plus{font-size:1.3rem;color:var(--red);transition:transform .2s ease;flex:none;margin-left:20px}
.se-dscr .faq-item.open .plus{transform:rotate(45deg)}
.se-dscr .faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;font-size:.96rem}
.se-dscr .faq-a-inner{padding:0 4px 20px;max-width:70ch}

/* -------- final CTA -------- */
.se-dscr .cta-final{padding:84px 0;background:var(--ink);color:#fff;text-align:center}
.se-dscr .cta-final h2{color:#fff;font-weight:700;font-size:clamp(1.8rem,3vw,2.4rem);margin:0 0 16px}
.se-dscr .cta-final p{color:rgba(255,255,255,.8);max-width:56ch;margin:0 auto 30px}
.se-dscr .cta-buttons{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.se-dscr .cta-final .cta-link{display:inline-block;margin-top:22px;color:#fff;opacity:.85;text-decoration:underline;font-size:.95rem}

/* -------- footer (minimal) -------- */
.se-dscr .lp-ft{background:var(--surface);border-top:1px solid var(--line-2);padding:34px 0;font-size:.84rem;color:var(--body)}
.se-dscr .lp-ft .ft-top{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-bottom:16px}
.se-dscr .lp-ft .ft-top b{color:var(--heading)}
.se-dscr .lp-ft .ft-legal{border-top:1px solid var(--line-2);padding-top:16px}
.se-dscr .lp-ft .ft-legal p{margin:0 0 6px;font-size:.78rem;opacity:.85}
.se-dscr .lp-ft a{color:var(--ink);text-decoration:underline}