/*
Theme Name: How To Get A Reverse Mortgage
Theme URI: https://howtogetareversemortgage.com/
Author: Aaron Lietz
Author URI: https://howtogetareversemortgage.com/
Description: A single-page reverse mortgage lead-generation WordPress theme for HowToGetAReverseMortgage.com. Includes editable compliance/contact fields, a built-in lead form that stores submissions in WordPress, reverse mortgage education sections, FAQs, and a compliance footer powered by Cornerstone First Mortgage.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.6
Requires PHP: 7.4
License: GPL-2.0-or-later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: htrm
*/

:root{
  --ink:#14213d;
  --ink-2:#25324f;
  --paper:#fbf8f0;
  --paper-2:#f2ecdd;
  --card:#ffffff;
  --muted:#667085;
  --gold:#d4a84f;
  --gold-2:#f0d99a;
  --teal:#0f766e;
  --teal-2:#d8f3ee;
  --line:#e7dfcf;
  --danger:#9f3412;
  --shadow:0 22px 70px rgba(20,33,61,.14);
  --radius:24px;
  --radius-sm:14px;
  --max:1180px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height:1.58;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:4px}
img{max-width:100%;height:auto}
button,input,select,textarea{font:inherit}

.htrm-wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.htrm-small{font-size:.9rem;color:var(--muted)}
.htrm-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  padding:7px 12px;border-radius:999px;
  background:rgba(15,118,110,.11);color:var(--teal);
  font-weight:800;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;
}
.htrm-eyebrow:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 5px rgba(15,118,110,.13)}
.htrm-section{padding:84px 0}
.htrm-section-tight{padding:58px 0}
.htrm-section-head{max-width:800px;margin:0 auto 34px;text-align:center}
.htrm-section-head h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.05;margin:14px 0 14px;letter-spacing:-.05em}
.htrm-section-head p{margin:0;color:var(--muted);font-size:1.08rem}
.htrm-grid{display:grid;gap:22px}
.htrm-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.htrm-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.htrm-grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.htrm-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:0 14px 40px rgba(20,33,61,.06);
}
.htrm-card h3{margin:0 0 10px;font-size:1.28rem;line-height:1.18;letter-spacing:-.03em}
.htrm-card p{margin:0;color:var(--muted)}
.htrm-card ul{margin:18px 0 0;padding-left:20px;color:var(--ink-2)}
.htrm-card li{margin:.35rem 0}
.htrm-pill-row{display:flex;flex-wrap:wrap;gap:10px}
.htrm-pill{
  border:1px solid rgba(212,168,79,.45);background:rgba(255,255,255,.72);
  color:var(--ink);border-radius:999px;padding:8px 12px;font-weight:800;font-size:.9rem;
}
.htrm-btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  min-height:48px;padding:13px 20px;border-radius:999px;border:1px solid transparent;
  background:var(--gold);color:#1f1605;font-weight:900;text-decoration:none;
  box-shadow:0 10px 24px rgba(212,168,79,.26);transition:.2s ease;
}
.htrm-btn:hover{transform:translateY(-1px);text-decoration:none;box-shadow:0 14px 30px rgba(212,168,79,.34)}
.htrm-btn-secondary{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:none}
.htrm-btn-secondary:hover{box-shadow:0 12px 26px rgba(20,33,61,.08)}

/* Header */
.htrm-topbar{background:#0f172a;color:#dbe5ff;font-size:.86rem}
.htrm-topbar .htrm-wrap{display:flex;justify-content:space-between;gap:14px;padding-top:9px;padding-bottom:9px;align-items:center}
.htrm-site-header{
  position:sticky;top:0;z-index:50;background:rgba(251,248,240,.92);
  backdrop-filter:saturate(1.2) blur(14px);border-bottom:1px solid rgba(231,223,207,.78);
}
.htrm-nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:22px}
.htrm-brand{display:flex;align-items:center;gap:12px;font-weight:950;letter-spacing:-.04em;font-size:1.05rem}
.htrm-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(135deg,var(--ink),#0f766e);display:grid;place-items:center;color:var(--gold-2);box-shadow:0 14px 28px rgba(20,33,61,.18);font-weight:950}
.htrm-brand span:last-child{display:block;color:var(--muted);font-size:.76rem;font-weight:800;letter-spacing:.02em;margin-top:-2px}
.htrm-menu{display:flex;align-items:center;gap:18px;font-weight:800;font-size:.94rem;color:var(--ink-2)}
.htrm-menu a{white-space:nowrap}
.htrm-menu .htrm-btn{padding:10px 16px;min-height:42px}

/* Hero */
.htrm-hero{
  position:relative;overflow:hidden;padding:76px 0 58px;background:
  radial-gradient(circle at 12% 10%, rgba(212,168,79,.22), transparent 34%),
  radial-gradient(circle at 90% 20%, rgba(15,118,110,.16), transparent 32%),
  linear-gradient(180deg,#fffaf0 0%,var(--paper) 100%);
}
.htrm-hero:after{
  content:"";position:absolute;inset:0;opacity:.12;pointer-events:none;
  background-image:linear-gradient(135deg, var(--ink) 1px, transparent 1px),linear-gradient(45deg, var(--ink) 1px, transparent 1px);
  background-size:48px 48px;background-position:0 0,24px 24px;
  mask-image:linear-gradient(to bottom, #000, transparent 78%);
}
.htrm-hero .htrm-wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.08fr .92fr;gap:34px;align-items:center}
.htrm-hero h1{font-size:clamp(2.7rem,6.3vw,5.4rem);line-height:.94;margin:18px 0 20px;letter-spacing:-.075em;max-width:780px}
.htrm-hero p{font-size:1.18rem;color:var(--ink-2);max-width:680px;margin:0 0 24px}
.htrm-hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}
.htrm-trust-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:28px}
.htrm-trust-card{
  background:rgba(255,255,255,.76);border:1px solid rgba(231,223,207,.85);border-radius:18px;padding:14px;
  box-shadow:0 12px 26px rgba(20,33,61,.05)
}
.htrm-trust-card strong{display:block;font-size:1.1rem;line-height:1.1}
.htrm-trust-card span{display:block;color:var(--muted);font-size:.84rem;margin-top:4px}
.htrm-hero-panel{background:#fff;border:1px solid var(--line);border-radius:32px;box-shadow:var(--shadow);padding:28px;position:relative;overflow:hidden}
.htrm-hero-panel:before{content:"";position:absolute;inset:0 0 auto 0;height:9px;background:linear-gradient(90deg,var(--teal),var(--gold))}
.htrm-hero-panel h2{font-size:1.55rem;line-height:1.12;margin:8px 0 10px;letter-spacing:-.04em}
.htrm-scenario{display:grid;gap:12px;margin:22px 0}
.htrm-scenario-row{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid var(--line);padding-bottom:11px}
.htrm-scenario-row span:first-child{color:var(--muted)}
.htrm-scenario-row span:last-child{font-weight:900;text-align:right}
.htrm-callout{border-radius:18px;background:var(--teal-2);border:1px solid rgba(15,118,110,.22);padding:16px;color:#10423e;font-weight:800}

/* Comparison */
.htrm-compare{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:stretch}
.htrm-compare-card{border-radius:var(--radius);padding:28px;border:1px solid var(--line);background:#fff}
.htrm-compare-card.featured{background:linear-gradient(180deg,#10233f,#101827);color:#fff;border-color:#243657;position:relative;overflow:hidden}
.htrm-compare-card.featured:before{content:"Often the point";position:absolute;top:16px;right:16px;background:var(--gold);color:#211705;border-radius:999px;padding:5px 10px;font-size:.75rem;font-weight:950;text-transform:uppercase;letter-spacing:.05em}
.htrm-compare-card h3{margin:0 0 16px;font-size:1.6rem;letter-spacing:-.04em}
.htrm-compare-card ul{margin:0;padding:0;list-style:none;display:grid;gap:12px}
.htrm-compare-card li{display:flex;gap:10px;align-items:flex-start}
.htrm-check{flex:0 0 24px;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;background:rgba(15,118,110,.12);color:var(--teal);font-weight:950;font-size:.9rem}
.featured .htrm-check{background:rgba(212,168,79,.18);color:var(--gold-2)}

/* Form */
.htrm-lead-wrap{background:#101827;color:#fff;border-radius:34px;overflow:hidden;box-shadow:var(--shadow)}
.htrm-lead-grid{display:grid;grid-template-columns:.86fr 1.14fr;gap:0}
.htrm-lead-copy{padding:42px;background:radial-gradient(circle at 20% 10%, rgba(212,168,79,.22), transparent 34%),linear-gradient(180deg,#172139,#101827)}
.htrm-lead-copy h2{font-size:clamp(2rem,4vw,3.4rem);line-height:1;margin:12px 0 16px;letter-spacing:-.06em}
.htrm-lead-copy p{color:#d8dfed;margin:0 0 22px}
.htrm-lead-copy .htrm-pill{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.16)}
.htrm-form{padding:42px;background:#fff;color:var(--ink)}
.htrm-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.htrm-field{display:flex;flex-direction:column;gap:6px}
.htrm-field.full{grid-column:1/-1}
.htrm-field label{font-weight:900;font-size:.88rem;color:var(--ink-2)}
.htrm-field input,.htrm-field select,.htrm-field textarea{
  width:100%;border:1px solid #d9d2c5;background:#fff;border-radius:14px;padding:12px 13px;color:var(--ink);outline:none;
}
.htrm-field input:focus,.htrm-field select:focus,.htrm-field textarea:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(15,118,110,.12)}
.htrm-form .htrm-btn{width:100%;margin-top:16px;border:0;cursor:pointer}
.htrm-notice{border-radius:16px;padding:14px 16px;margin-bottom:16px;font-weight:800}
.htrm-notice.success{background:#dcfce7;color:#14532d;border:1px solid #86efac}
.htrm-notice.error{background:#ffedd5;color:#7c2d12;border:1px solid #fdba74}
.htrm-hp{position:absolute;left:-9999px;opacity:0;height:0;width:0;overflow:hidden}

/* Steps */
.htrm-steps{counter-reset:step;display:grid;gap:16px}
.htrm-step{counter-increment:step;display:grid;grid-template-columns:58px 1fr;gap:16px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px}
.htrm-step:before{content:counter(step);width:48px;height:48px;border-radius:15px;display:grid;place-items:center;background:var(--ink);color:var(--gold-2);font-weight:950;font-size:1.1rem}
.htrm-step h3{margin:0 0 5px;font-size:1.15rem;letter-spacing:-.03em}
.htrm-step p{margin:0;color:var(--muted)}

/* FAQ */
.htrm-faq{max-width:940px;margin:0 auto;display:grid;gap:12px}
.htrm-faq details{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:0 10px 28px rgba(20,33,61,.04)}
.htrm-faq summary{cursor:pointer;list-style:none;padding:20px 22px;font-weight:950;display:flex;align-items:center;justify-content:space-between;gap:18px}
.htrm-faq summary::-webkit-details-marker{display:none}
.htrm-faq summary:after{content:"+";font-size:1.4rem;color:var(--teal)}
.htrm-faq details[open] summary:after{content:"–"}
.htrm-faq .answer{padding:0 22px 22px;color:var(--muted)}
.htrm-faq .answer p{margin:0}

/* Footer */
.htrm-footer{background:#0b1220;color:#dbe5ff;padding:58px 0 28px}
.htrm-footer-grid{display:grid;grid-template-columns:1.05fr .95fr .9fr;gap:28px;align-items:start}
.htrm-footer h3{color:#fff;margin:0 0 12px;font-size:1.12rem}
.htrm-footer p,.htrm-footer li{color:#bac6dd}
.htrm-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.htrm-footer a{color:#fff}
.htrm-disclosure{margin-top:34px;padding-top:24px;border-top:1px solid rgba(255,255,255,.14);font-size:.82rem;color:#aebbd4}
.htrm-disclosure p{margin:.35rem 0;color:#aebbd4}

/* WordPress defaults */
.wp-site-blocks{padding:0}
.alignwide,.alignfull{max-width:100%}
.entry-content{max-width:860px;margin:60px auto;padding:0 22px}
.entry-content h1{font-size:clamp(2.2rem,5vw,4rem);letter-spacing:-.05em;line-height:1.02}

@media (max-width: 960px){
  .htrm-hero .htrm-wrap,.htrm-lead-grid,.htrm-grid-4,.htrm-grid-3,.htrm-footer-grid{grid-template-columns:1fr}
  .htrm-trust-row{grid-template-columns:repeat(2,minmax(0,1fr))}
  .htrm-menu a:not(.htrm-btn){display:none}
  .htrm-hero{padding-top:50px}
}
@media (max-width: 720px){
  .htrm-topbar .htrm-wrap{display:block;text-align:center}
  .htrm-nav{min-height:68px}
  .htrm-brand{font-size:.95rem}.htrm-mark{width:38px;height:38px}
  .htrm-menu .htrm-btn{display:none}
  .htrm-grid-2,.htrm-compare,.htrm-form-grid{grid-template-columns:1fr}
  .htrm-trust-row{grid-template-columns:1fr}
  .htrm-section{padding:62px 0}
  .htrm-card,.htrm-lead-copy,.htrm-form{padding:24px}
  .htrm-step{grid-template-columns:1fr}
}
.htrm-menu ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:18px}
.htrm-menu li{margin:0;padding:0;list-style:none}
@media (max-width: 960px){.htrm-menu ul li:not(:last-child){display:none}}
.htrm-eho-logo-wrap {
    margin: 10px 0 14px;
}

.htrm-eho-logo {
    display: block;
    width: 70px;
    height: auto;
    max-width: 100%;
}