/* =============================================
   NATELOANS.COM — Main Stylesheet
   ============================================= */

/* ===== RESET & BASE ===== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --navy:         #0E2341;
    --navy-light:   #163354;
    --navy-mid:     #1b406e;
    --gold:         #C8973E;
    --gold-light:   #E8B86D;
    --gold-dark:    #A47830;
    --white:        #FFFFFF;
    --gray-light:   #F5F7FA;
    --gray-mid:     #E2E8F0;
    --text:         #1A202C;
    --text-muted:   #64748B;
    --radius:       12px;
    --shadow:       0 4px 20px rgba(14, 35, 65, 0.08);
    --shadow-lg:    0 12px 48px rgba(14, 35, 65, 0.16);
    --transition:   all 0.25s ease;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
    overflow-x: hidden;
}

body {
    font-family: 'Inter', sans-serif;
    color: var(--text);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
    font-family: 'Poppins', sans-serif;
    line-height: 1.2;
}

a {
    text-decoration: none;
    color: inherit;
}

img {
    max-width: 100%;
    display: block;
}

ul {
    list-style: none;
}

/* ===== LAYOUT ===== */
.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ===== TYPOGRAPHY UTILITIES ===== */
.text-gold        { color: var(--gold); }
.text-white       { color: var(--white); }
.text-white-muted { color: rgba(255,255,255,0.7); }

.section-label {
    display: inline-block;
    font-family: 'Poppins', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 10px;
}

.section-label-light {
    color: var(--gold-light);
}

.section-title {
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
}

.section-title.text-white { color: var(--white); }

.section-subtitle {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 600px;
    line-height: 1.75;
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-header .section-subtitle {
    margin: 0 auto;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: 8px;
    font-family: 'Poppins', sans-serif;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
    border: 2px solid transparent;
    line-height: 1;
}

.btn-lg {
    padding: 16px 32px;
    font-size: 1rem;
    border-radius: 10px;
}

.btn-sm {
    padding: 9px 18px;
    font-size: 0.85rem;
}

.btn-primary {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}
.btn-primary:hover {
    background: var(--navy-mid);
    border-color: var(--navy-mid);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(14, 35, 65, 0.3);
}

.btn-gold {
    background: var(--gold);
    color: var(--white);
    border-color: var(--gold);
}
.btn-gold:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(200, 151, 62, 0.4);
}

.btn-outline {
    background: transparent;
    color: var(--navy);
    border-color: var(--navy);
}
.btn-outline:hover {
    background: var(--navy);
    color: var(--white);
    transform: translateY(-2px);
}

.btn-outline-white {
    background: transparent;
    color: var(--white);
    border-color: rgba(255,255,255,0.5);
}
.btn-outline-white:hover {
    background: rgba(255,255,255,0.12);
    border-color: var(--white);
    transform: translateY(-2px);
}

/* =============================================
   NAVIGATION
   ============================================= */
.nav-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    transition: background 0.3s ease, box-shadow 0.3s ease;
    background: transparent;
}

.nav-header.scrolled,
.nav-header.nav-solid {
    background: var(--navy);
    box-shadow: 0 2px 24px rgba(0,0,0,0.25);
}

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    gap: 24px;
}

.nav-logo {
    font-family: 'Poppins', sans-serif;
    font-size: 1.5rem;
    font-weight: 800;
    flex-shrink: 0;
    letter-spacing: -0.02em;
}

.logo-nate  { color: var(--white); }
.logo-loans { color: var(--gold); }

.nav-links {
    display: flex;
    align-items: center;
    gap: 4px;
}

.nav-links a {
    color: rgba(255,255,255,0.82);
    font-family: 'Poppins', sans-serif;
    font-size: 0.875rem;
    font-weight: 500;
    padding: 6px 12px;
    border-radius: 6px;
    transition: var(--transition);
}

.nav-links a:hover {
    color: var(--white);
    background: rgba(255,255,255,0.1);
}

.nav-cta {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-shrink: 0;
}

.nav-phone {
    display: flex;
    align-items: center;
    gap: 7px;
    color: rgba(255,255,255,0.82);
    font-size: 0.875rem;
    font-weight: 500;
    transition: color 0.2s;
}

.nav-phone i { font-size: 0.8rem; }

.nav-phone:hover { color: var(--gold-light); }

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    flex-shrink: 0;
}

.hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--white);
    border-radius: 2px;
    transition: var(--transition);
}

.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =============================================
   HERO
   ============================================= */
.hero {
    position: relative;
    background: var(--navy);
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    padding-top: 72px;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 70% 60% at 80% 50%, rgba(200,151,62,0.14) 0%, transparent 65%),
        radial-gradient(ellipse 50% 70% at -5% 100%, rgba(26,64,110,0.7) 0%, transparent 60%),
        linear-gradient(140deg, #0A1A2F 0%, #163354 100%);
}

/* Subtle dot grid pattern */
.hero-bg::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px);
    background-size: 32px 32px;
}

.hero-inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 64px;
    align-items: center;
    padding-top: 80px;
    padding-bottom: 120px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.14);
    color: rgba(255,255,255,0.88);
    font-size: 0.8rem;
    font-weight: 500;
    padding: 7px 16px;
    border-radius: 100px;
    margin-bottom: 28px;
    backdrop-filter: blur(8px);
    width: fit-content;
}

.hero-badge i { color: var(--gold); }

.hero-badge-avatar {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    object-fit: cover;
    object-position: top;
    border: 1.5px solid rgba(255,255,255,0.25);
    flex-shrink: 0;
}

/* Hero credentials card */
.hero-card {
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-card-inner {
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    backdrop-filter: blur(12px);
    border-radius: 20px;
    padding: 28px 24px;
    width: 100%;
}

.hero-card-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
    margin-bottom: 20px;
}

.hero-card-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    flex: 1;
}

.hero-card-num {
    font-family: 'Poppins', sans-serif;
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--gold);
    line-height: 1;
}

.hero-card-label {
    font-size: 0.7rem;
    color: rgba(255,255,255,0.55);
    text-align: center;
    margin-top: 4px;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.hero-card-divider {
    width: 1px;
    height: 36px;
    background: rgba(255,255,255,0.12);
    flex-shrink: 0;
}

.hero-card-divider-h {
    height: 1px;
    background: rgba(255,255,255,0.1);
    margin: 18px 0;
}

.hero-card-title {
    font-size: 0.7rem;
    font-weight: 700;
    color: rgba(255,255,255,0.45);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 12px;
}

.hero-card-loans {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 9px;
}

.hero-card-loans li {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.8);
    display: flex;
    align-items: center;
    gap: 9px;
}

.hero-card-loans li i {
    color: var(--gold);
    font-size: 0.8rem;
    flex-shrink: 0;
}

.hero-card-fine {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.35);
    text-align: center;
    margin-top: 10px;
    margin-bottom: 0;
}

.hero-headline {
    font-size: clamp(2.6rem, 5.5vw, 4.2rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 20px;
    line-height: 1.08;
    letter-spacing: -0.02em;
}

.hero-subtext {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.72);
    margin-bottom: 40px;
    max-width: 500px;
    line-height: 1.75;
}

.hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 44px;
}

.hero-trust {
    display: flex;
    gap: 28px;
    flex-wrap: wrap;
    padding-top: 8px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.68);
    font-size: 0.85rem;
    font-weight: 500;
}

.trust-item i {
    color: var(--gold);
    font-size: 0.85rem;
}

/* Hero Photo */
.hero-photo {
    display: flex;
    justify-content: center;
    align-items: flex-end;
}

.photo-frame {
    position: relative;
    width: 100%;
    max-width: 380px;
}

.photo-frame img {
    width: 100%;
    height: 500px;
    object-fit: cover;
    object-position: top;
    border-radius: 20px;
    box-shadow: 0 24px 64px rgba(0,0,0,0.4);
}

/* Placeholder state when image fails to load */
.photo-frame.photo-placeholder img { display: none; }
.photo-frame.photo-placeholder {
    height: 500px;
    background: linear-gradient(135deg, rgba(255,255,255,0.06) 0%, rgba(255,255,255,0.02) 100%);
    border: 2px dashed rgba(255,255,255,0.18);
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.photo-frame.photo-placeholder::after {
    content: "📷  Add headshot here\Aassets/nate-headshot.jpg";
    white-space: pre;
    color: rgba(255,255,255,0.35);
    font-size: 0.85rem;
    text-align: center;
    line-height: 2;
}

.photo-card {
    position: absolute;
    bottom: -18px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--white);
    border-radius: 12px;
    padding: 12px 24px;
    box-shadow: var(--shadow-lg);
    text-align: center;
    white-space: nowrap;
}

.photo-frame.photo-placeholder .photo-card { display: none; }

.photo-card strong {
    display: block;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    color: var(--navy);
    font-size: 0.95rem;
    margin-bottom: 2px;
}

.photo-card span {
    font-size: 0.78rem;
    color: var(--text-muted);
}

/* Wave divider */
.hero-wave {
    position: absolute;
    bottom: -1px;
    left: 0;
    right: 0;
    line-height: 0;
    z-index: 2;
}

.hero-wave svg {
    width: 100%;
    height: 80px;
    display: block;
}

/* =============================================
   STATS BAR
   ============================================= */
.stats-bar {
    background: var(--white);
    padding: 52px 0;
    border-bottom: 1px solid var(--gray-mid);
}

.stats-grid {
    display: flex;
    align-items: center;
    justify-content: center;
}

.stat-item {
    flex: 1;
    text-align: center;
    padding: 8px 32px;
}

.stat-number {
    font-family: 'Poppins', sans-serif;
    font-size: 2.75rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1;
    margin-bottom: 6px;
    letter-spacing: -0.02em;
}

.stat-label {
    font-size: 0.875rem;
    color: var(--text-muted);
    font-weight: 500;
}

/* =============================================
   CALENDLY MODAL
   ============================================= */
.modal-open {
    overflow: hidden;
}

.calendly-modal {
    position: fixed;
    inset: 0;
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
    opacity: 0;
    pointer-events: none;
    visibility: hidden;
    transition: opacity 0.25s ease, visibility 0.25s;
}

.calendly-modal.is-open {
    opacity: 1;
    pointer-events: auto;
    visibility: visible;
}

.calendly-modal-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(9, 18, 32, 0.7);
    backdrop-filter: blur(6px);
}

.calendly-modal-content {
    position: relative;
    z-index: 1;
    width: min(900px, 95vw);
    max-height: 92vh;
    background: var(--white);
    border-radius: 16px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    transform: translateY(10px) scale(0.98);
    transition: transform 0.25s ease;
}

.calendly-modal.is-open .calendly-modal-content {
    transform: translateY(0) scale(1);
}

.calendly-modal-header {
    padding: 18px 24px 0;
    text-align: center;
}

.calendly-modal-header h3 {
    font-size: 1.35rem;
    color: var(--navy);
    margin-bottom: 6px;
}

.calendly-modal-header p {
    color: var(--text-muted);
    font-size: 0.95rem;
}

.calendly-modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: none;
    background: var(--gray-light);
    color: var(--navy);
    font-size: 1.1rem;
    cursor: pointer;
    transition: var(--transition);
}

.calendly-modal-close:hover {
    background: var(--gray-mid);
    transform: translateY(-1px);
}

.calendly-inline-widget {
    min-width: 320px;
    height: min(70vh, 720px);
}

@media (max-width: 768px) {
    .calendly-modal-content {
        width: 100%;
        max-height: 96vh;
        border-radius: 12px;
    }

    .calendly-inline-widget {
        height: 72vh;
    }
}

.stat-divider {
    width: 1px;
    height: 52px;
    background: var(--gray-mid);
    flex-shrink: 0;
}

/* =============================================
   ABOUT
   ============================================= */
.about {
    padding: 100px 0;
    background: var(--gray-light);
}

.about-inner {
    display: grid;
    grid-template-columns: 380px 1fr;
    gap: 80px;
    align-items: center;
}

.about-photo-col {
    /* photo column wrapper */
}

/* Identity card replacing large headshot */
.about-id-card {
    background: var(--white);
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
    padding: 32px 28px;
    display: flex;
    flex-direction: column;
    align-items: stretch;
}

.about-id-top {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 6px;
    padding-bottom: 4px;
}

.about-id-avatar {
    width: 88px;
    height: 88px;
    border-radius: 50%;
    object-fit: cover;
    object-position: top;
    border: 3px solid var(--gray-light);
    box-shadow: 0 4px 16px rgba(0,0,0,0.12);
    margin-bottom: 6px;
}

.about-id-name {
    font-family: 'Poppins', sans-serif;
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
}

.about-id-title {
    font-size: 0.82rem;
    color: var(--text-muted);
    font-weight: 500;
}

.about-id-company {
    font-size: 0.78rem;
    color: var(--gold-dark);
    font-weight: 600;
}

.about-id-divider {
    height: 1px;
    background: var(--gray-mid);
    margin: 20px 0;
}

.about-id-credentials {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.about-id-credentials li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.875rem;
    color: var(--text);
    font-weight: 500;
}

.about-id-credentials li i {
    width: 18px;
    color: var(--navy);
    font-size: 0.8rem;
    flex-shrink: 0;
    text-align: center;
}

.about-id-actions {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.about-id-btn {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 14px;
    border-radius: 10px;
    background: var(--gray-light);
    color: var(--navy);
    font-size: 0.82rem;
    font-weight: 600;
    text-decoration: none;
    transition: var(--transition);
}

.about-id-btn:hover {
    background: var(--navy);
    color: var(--white);
}

.about-id-btn i {
    color: var(--gold-dark);
    font-size: 0.82rem;
    flex-shrink: 0;
    transition: var(--transition);
}

.about-id-btn:hover i { color: var(--gold-light); }

.about-id-nmls {
    font-size: 0.7rem;
    color: var(--text-muted);
    text-align: center;
    text-decoration: underline;
    margin-top: 14px;
    opacity: 0.7;
}
}

.about-text {
    font-size: 1.05rem;
    color: var(--text-muted);
    margin-bottom: 18px;
    line-height: 1.8;
}

.about-text strong { color: var(--navy); }

.about-highlights {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin: 32px 0;
}

.highlight {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 16px 20px;
    background: var(--white);
    border-radius: 12px;
    box-shadow: var(--shadow);
    border-left: 3px solid var(--gold);
    transition: var(--transition);
}

.highlight:hover {
    transform: translateX(4px);
    box-shadow: var(--shadow-lg);
}

.highlight-icon {
    width: 38px;
    height: 38px;
    background: rgba(200,151,62,0.1);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    color: var(--gold);
    flex-shrink: 0;
    margin-top: 2px;
}

.highlight strong {
    display: block;
    font-size: 0.95rem;
    color: var(--navy);
    font-weight: 700;
    margin-bottom: 3px;
}

.highlight span {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.about-actions {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}

/* =============================================
   LOAN TYPES
   ============================================= */
.loans {
    padding: 100px 0;
    background: var(--white);
}

/* 5 cards: 3 top row, 2 centered in bottom row */
.loan-grid {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 24px;
    margin-bottom: 48px;
}

.loan-grid .loan-card:nth-child(1) { grid-column: 1 / span 2; }
.loan-grid .loan-card:nth-child(2) { grid-column: 3 / span 2; }
.loan-grid .loan-card:nth-child(3) { grid-column: 5 / span 2; }
.loan-grid .loan-card:nth-child(4) { grid-column: 2 / span 2; }
.loan-grid .loan-card:nth-child(5) { grid-column: 4 / span 2; }

.loan-card {
    position: relative;
    background: var(--gray-light);
    border-radius: var(--radius);
    padding: 32px 28px;
    transition: var(--transition);
    border: 2px solid var(--gray-mid);
    display: flex;
    flex-direction: column;
}

.loan-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
    background: var(--white);
}

.loan-card-featured {
    background: var(--navy);
    border-color: rgba(200,151,62,0.4);
}

.loan-card-featured:hover {
    background: var(--navy-light);
    border-color: var(--gold);
}

.loan-badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--gold);
    color: var(--white);
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    padding: 4px 14px;
    border-radius: 100px;
    white-space: nowrap;
}

.loan-icon {
    width: 52px;
    height: 52px;
    background: rgba(200,151,62,0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    color: var(--gold);
    margin-bottom: 20px;
    flex-shrink: 0;
}

.loan-card-featured .loan-icon {
    background: rgba(200,151,62,0.18);
}

.loan-card h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
}

.loan-card-featured h3 { color: var(--white); }

.loan-card p {
    font-size: 0.875rem;
    color: var(--text-muted);
    margin-bottom: 20px;
    line-height: 1.7;
    flex-grow: 1;
}

.loan-card-featured p { color: rgba(255,255,255,0.7); }

.loan-features {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 24px;
}

.loan-features li {
    font-size: 0.84rem;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 8px;
}

.loan-features li i {
    color: var(--gold);
    font-size: 0.75rem;
    flex-shrink: 0;
}

.loan-card-featured .loan-features li { color: rgba(255,255,255,0.7); }

.loan-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gold);
    margin-top: auto;
    transition: gap 0.2s;
}

.loan-cta:hover { gap: 10px; }
.loan-card-featured .loan-cta { color: var(--gold-light); }

.loans-bottom-cta {
    text-align: center;
    padding: 44px 40px;
    background: var(--gray-light);
    border-radius: var(--radius);
    display: flex;
    flex-direction: column;
    align-items: center;
}

.loans-bottom-cta p {
    font-size: 1.1rem;
    color: var(--text-muted);
    margin-bottom: 20px;
    font-weight: 500;
}

/* =============================================
   HOW IT WORKS / PROCESS
   ============================================= */
.process {
    background: var(--navy);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.process::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 60% 50% at 50% 100%, rgba(200,151,62,0.1) 0%, transparent 70%),
        radial-gradient(ellipse 40% 40% at 0% 0%, rgba(26,64,110,0.5) 0%, transparent 60%);
}

.process .container { position: relative; }

.process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 48px;
    margin-bottom: 56px;
    position: relative;
}

/* Connecting line between steps */
.process-steps::before {
    content: '';
    position: absolute;
    top: 62px; /* center of icon: step-num(~28px) + icon(72px/2 = 36px) = ~64px */
    left: calc(16.67% + 36px);
    right: calc(16.67% + 36px);
    height: 1px;
    background: linear-gradient(90deg, rgba(200,151,62,0.5) 0%, rgba(200,151,62,0.2) 50%, rgba(200,151,62,0.5) 100%);
}

.process-step {
    position: relative;
    z-index: 1;
    text-align: center;
    padding: 0 16px;
}

.step-icon-wrap {
    display: flex;
    flex-direction: column;
    align-items: center;
    margin-bottom: 24px;
}

.step-num {
    font-family: 'Poppins', sans-serif;
    font-size: 0.7rem;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: 0.12em;
    margin-bottom: 12px;
}

.step-icon {
    width: 72px;
    height: 72px;
    background: rgba(255,255,255,0.06);
    border: 2px solid rgba(200,151,62,0.35);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    color: var(--gold);
    transition: var(--transition);
}

.process-step:hover .step-icon {
    background: rgba(200,151,62,0.18);
    border-color: var(--gold);
    transform: scale(1.06);
}

.process-step h3 {
    font-size: 1.15rem;
    color: var(--white);
    margin-bottom: 12px;
    font-weight: 700;
}

.process-step p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.62);
    line-height: 1.75;
    margin-bottom: 20px;
}

.step-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gold-light);
    transition: gap 0.2s;
}

.step-link:hover { gap: 10px; }

.process-cta {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* =============================================
   STATES
   ============================================= */
.states {
    padding: 80px 0;
    background: var(--gray-light);
}

.states-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    justify-content: center;
    margin-bottom: 28px;
}

.state-chip {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--white);
    border: 1px solid var(--gray-mid);
    border-radius: 8px;
    padding: 10px 20px;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text);
    transition: var(--transition);
    cursor: default;
    user-select: none;
}

.state-chip:hover {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}

.state-chip span {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 0.75rem;
    color: var(--gold);
    letter-spacing: 0.04em;
}

.state-chip:hover span { color: var(--gold-light); }

.states-note {
    text-align: center;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.states-note a {
    color: var(--navy);
    font-weight: 600;
    text-decoration: underline;
    text-decoration-color: rgba(14,35,65,0.3);
}

.states-note a:hover { text-decoration-color: var(--navy); }

/* =============================================
   REVIEWS
   ============================================= */
.reviews {
    padding: 100px 0;
    background: var(--white);
}

.reviews-inner {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 80px;
    align-items: center;
}

.reviews-stars {
    display: flex;
    align-items: center;
    gap: 4px;
    font-size: 1.5rem;
    color: #F59E0B;
    margin-bottom: 20px;
}

.reviews-rating {
    font-family: 'Poppins', sans-serif;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--navy);
    margin-left: 8px;
}

.reviews-subtext {
    font-size: 1rem;
    color: var(--text-muted);
    margin-bottom: 32px;
    line-height: 1.7;
}

.reviews-cards {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.review-card {
    background: var(--gray-light);
    border-radius: var(--radius);
    padding: 24px 28px;
    border-left: 3px solid var(--gold);
    transition: var(--transition);
}

.review-card:hover {
    transform: translateX(4px);
    box-shadow: var(--shadow);
}

.review-stars {
    font-size: 0.8rem;
    color: #F59E0B;
    letter-spacing: 2px;
    margin-bottom: 12px;
}

.review-card > p {
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 16px;
    font-style: italic;
}

.reviewer {
    display: flex;
    align-items: center;
    gap: 12px;
}

.reviewer-avatar {
    width: 36px;
    height: 36px;
    background: var(--navy);
    color: var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Poppins', sans-serif;
    font-size: 0.7rem;
    font-weight: 700;
    flex-shrink: 0;
}

.reviewer strong {
    display: block;
    font-size: 0.875rem;
    color: var(--navy);
    font-weight: 700;
}

.reviewer span {
    font-size: 0.78rem;
    color: var(--text-muted);
}

/* =============================================
   RESOURCES
   ============================================= */
.resources {
    padding: 100px 0;
    background: var(--gray-light);
}

.resources-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 20px;
}

.resource-card {
    display: flex;
    flex-direction: column;
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 28px;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 2px solid transparent;
    cursor: pointer;
}

.resource-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}

.resource-card-featured {
    background: var(--navy);
    grid-column: 1 / -1;
}

.resource-card-featured:hover {
    border-color: var(--gold);
    background: var(--navy-light);
}

.resource-icon {
    width: 52px;
    height: 52px;
    background: rgba(200,151,62,0.1);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: var(--gold);
    margin-bottom: 20px;
    flex-shrink: 0;
}

.resource-icon-red  { background: rgba(239,68,68,0.1);   color: #EF4444; }
.resource-icon-pink { background: rgba(236,72,153,0.1);  color: #EC4899; }
.resource-icon-dark { background: rgba(15,23,42,0.07);   color: #0F172A; }

.resource-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}

.resource-card-featured h3 { color: var(--white); }

.resource-card p {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin-bottom: 24px;
    flex-grow: 1;
}

.resource-card-featured p { color: rgba(255,255,255,0.68); }

.resource-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gold);
    margin-top: auto;
    transition: gap 0.2s;
}

.resource-card:hover .resource-cta { gap: 10px; }
.resource-card-featured .resource-cta { color: var(--gold-light); }

/* =============================================
   CONTACT CTA
   ============================================= */
.contact-cta {
    background: linear-gradient(140deg, var(--navy) 0%, #1b406e 100%);
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
}

.contact-cta::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -5%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(200,151,62,0.12) 0%, transparent 65%);
    pointer-events: none;
}

/* Centered header */
.contact-header {
    text-align: center;
    margin-bottom: 36px;
    position: relative;
}

.contact-header .section-title { color: var(--white); }

.contact-header-sub {
    color: rgba(255,255,255,0.65);
    font-size: 1.05rem;
    max-width: 480px;
    margin: 0 auto;
    line-height: 1.7;
}

/* Tab switcher */
.contact-tabs {
    display: flex;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 12px;
    padding: 4px;
    width: fit-content;
    margin: 0 auto 44px;
}

.contact-tab-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 11px 28px;
    border: none;
    background: transparent;
    color: rgba(255,255,255,0.6);
    font-family: 'Poppins', sans-serif;
    font-size: 0.875rem;
    font-weight: 600;
    border-radius: 9px;
    cursor: pointer;
    transition: all 0.2s;
}

.contact-tab-btn i { font-size: 0.8rem; }

.contact-tab-btn.active {
    background: var(--white);
    color: var(--navy);
    box-shadow: 0 2px 12px rgba(0,0,0,0.15);
}

/* Panels */
.contact-panel { display: none; }
.contact-panel.active { display: block; }

/* Quick contact — 2×2 card grid */
.contact-cards-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    max-width: 680px;
    margin: 0 auto;
}

.contact-card {
    display: flex;
    align-items: center;
    gap: 16px;
    background: rgba(255,255,255,0.07);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius);
    padding: 20px 22px;
    color: var(--white);
    text-decoration: none;
    transition: var(--transition);
}

.contact-card:hover {
    background: rgba(255,255,255,0.13);
    border-color: rgba(255,255,255,0.28);
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0,0,0,0.2);
}

.contact-card-gold {
    background: rgba(200,151,62,0.18);
    border-color: rgba(200,151,62,0.4);
}

.contact-card-gold:hover {
    background: rgba(200,151,62,0.28);
    border-color: var(--gold);
}

.contact-card-icon {
    width: 44px;
    height: 44px;
    background: rgba(200,151,62,0.2);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    color: var(--gold);
    flex-shrink: 0;
}

.contact-card-body { flex: 1; }

.contact-card-body strong {
    display: block;
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 3px;
}

.contact-card-body span {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.6);
}

.contact-card-gold .contact-card-body span { color: rgba(255,255,255,0.75); }

.contact-card-arrow {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.3);
    flex-shrink: 0;
    transition: transform 0.2s, color 0.2s;
}

.contact-card:hover .contact-card-arrow {
    transform: translateX(3px);
    color: rgba(255,255,255,0.65);
}

/* Contact cards on white background (contact page) */
.post-body-section .contact-card {
    background: var(--white);
    border: 1.5px solid #e2e8f0;
    color: var(--navy);
    box-shadow: 0 2px 8px rgba(14,35,65,0.06);
}

.post-body-section .contact-card:hover {
    background: var(--gray-light);
    border-color: var(--navy-mid);
    box-shadow: 0 6px 20px rgba(14,35,65,0.12);
}

.post-body-section .contact-card-gold {
    background: rgba(200,151,62,0.08);
    border-color: rgba(200,151,62,0.45);
}

.post-body-section .contact-card-gold:hover {
    background: rgba(200,151,62,0.15);
    border-color: var(--gold);
}

.post-body-section .contact-card-body strong {
    color: var(--navy);
}

.post-body-section .contact-card-body span {
    color: #64748b;
}

.post-body-section .contact-card-gold .contact-card-body span {
    color: #64748b;
}

.post-body-section .contact-card-arrow {
    color: #cbd5e1;
}

.post-body-section .contact-card:hover .contact-card-arrow {
    color: var(--navy-mid);
}

/* Form panel */
.contact-form-wrap {
    max-width: 720px;
    margin: 0 auto;
}

.contact-form-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 40px;
    box-shadow: 0 12px 48px rgba(0,0,0,0.25);
}

.contact-form-card-header {
    margin-bottom: 28px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-mid);
}

.contact-form-card-header h3 {
    font-size: 1.2rem;
    color: var(--navy);
    margin-bottom: 6px;
}

.contact-form-card-header p {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin: 0;
}

/* HubSpot form — 2-column grid + site styling */
#contact-form-embed .hs-form {
    display: grid;
    grid-template-columns: 1fr 1fr;
    column-gap: 16px;
}

/* Full-width fields */
#contact-form-embed .hs_loan_purpose,
#contact-form-embed .hs_email,
#contact-form-embed .hs_phone,
#contact-form-embed .hs_message,
#contact-form-embed .hs-fieldtype-textarea,
#contact-form-embed .hs-fieldtype-file,
#contact-form-embed .hs-fieldtype-booleancheckbox,
#contact-form-embed .hs-fieldtype-radio,
#contact-form-embed .hs-submit,
#contact-form-embed .legal-consent-container,
#contact-form-embed .hs_error_rollup {
    grid-column: 1 / -1;
}

/* Input/select/textarea base */
#contact-form-embed input[type="text"],
#contact-form-embed input[type="email"],
#contact-form-embed input[type="tel"],
#contact-form-embed input[type="number"],
#contact-form-embed select,
#contact-form-embed textarea {
    width: 100%;
    border: 1.5px solid var(--gray-mid);
    border-radius: 8px;
    padding: 11px 14px;
    font-family: 'Inter', sans-serif;
    font-size: 0.95rem;
    color: var(--text);
    background: var(--gray-light);
    outline: none;
    transition: border-color 0.2s, background 0.2s;
    box-sizing: border-box;
}

#contact-form-embed input:focus,
#contact-form-embed select:focus,
#contact-form-embed textarea:focus {
    border-color: var(--navy);
    background: var(--white);
}

#contact-form-embed textarea { min-height: 96px; resize: vertical; }

/* Select arrow */
#contact-form-embed select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23888' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}

/* Field labels */
#contact-form-embed .hs-form-field > label {
    display: block;
    font-family: 'Poppins', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 6px;
}

/* Field spacing */
#contact-form-embed .hs-form-field { margin-bottom: 16px; }

/* Submit button */
#contact-form-embed input[type="submit"],
#contact-form-embed .hs-button {
    width: 100%;
    background: var(--gold);
    color: var(--white);
    border: none;
    border-radius: 8px;
    padding: 14px 28px;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: background 0.2s, transform 0.15s;
}

#contact-form-embed input[type="submit"]:hover,
#contact-form-embed .hs-button:hover {
    background: var(--gold-dark);
    transform: translateY(-1px);
}

/* Error messages */
#contact-form-embed .hs-error-msgs {
    list-style: none;
    padding: 0;
    margin: 4px 0 0;
}

#contact-form-embed .hs-error-msgs li label {
    color: #dc2626 !important;
    font-size: 0.75rem !important;
    text-transform: none !important;
    letter-spacing: 0 !important;
    font-weight: 500 !important;
}

/* Responsive */
@media (max-width: 768px) {
    .contact-cards-grid { grid-template-columns: 1fr; }
    .contact-form-card { padding: 28px 20px; }
    .contact-tab-btn { padding: 10px 18px; font-size: 0.8rem; }
    #contact-form-embed .hs-form { grid-template-columns: 1fr; }
    #contact-form-embed .hs_loan_purpose,
    #contact-form-embed .hs_email,
    #contact-form-embed .hs_phone,
    #contact-form-embed .hs-submit { grid-column: auto; }
}

/* HubSpot newsletter form inside dark navy resource card */
.resource-card-featured .hbspt-form {
    background: var(--white);
    border-radius: var(--radius);
    padding: 24px;
    margin-top: 8px;
}

/* HubSpot form iframe — responsive fix (prevents overflow on mobile) */
.hbspt-form iframe,
.hs-form-iframe {
    width: 100% !important;
    min-width: 0 !important;
}

/* =============================================
   FOOTER
   ============================================= */
.footer {
    background: #060F1E;
    padding: 64px 0 0;
}

.footer-inner {
    display: grid;
    grid-template-columns: 1.4fr 2fr;
    gap: 80px;
    padding-bottom: 52px;
    border-bottom: 1px solid rgba(255,255,255,0.07);
}

.footer-logo {
    margin-bottom: 14px;
    display: inline-flex;
}

.footer-brand p {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.45);
    line-height: 1.9;
    margin-bottom: 22px;
}

.footer-social {
    display: flex;
    gap: 10px;
}

.footer-social a {
    width: 38px;
    height: 38px;
    background: rgba(255,255,255,0.07);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.55);
    font-size: 0.9rem;
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--gold);
    color: var(--white);
    transform: translateY(-3px);
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.footer-col h4 {
    font-family: 'Poppins', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: rgba(255,255,255,0.35);
    margin-bottom: 18px;
}

.footer-col a {
    display: block;
    font-size: 0.875rem;
    color: rgba(255,255,255,0.6);
    margin-bottom: 11px;
    transition: color 0.2s;
}

.footer-col a:hover { color: var(--gold-light); }

.footer-disclaimer {
    padding: 22px 0;
    text-align: center;
    border-top: 1px solid rgba(255,255,255,0.05);
}

.footer-disclaimer p {
    font-size: 0.77rem;
    color: rgba(255,255,255,0.28);
    line-height: 1.8;
    margin-bottom: 4px;
}

.footer-disclaimer a {
    color: rgba(255,255,255,0.45);
    text-decoration: underline;
}

.footer-powered {
    display: flex;
    justify-content: center;
    margin-top: 10px;
    margin-bottom: 6px;
}

.footer-powered-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 7px 18px;
    border-radius: 999px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.88);
    background: linear-gradient(135deg, rgba(200,151,62,0.18), rgba(22,51,84,0.45));
    border: 1px solid rgba(255,255,255,0.15);
    box-shadow: 0 6px 22px rgba(6, 15, 30, 0.35);
}

.footer-powered-badge a {
    color: var(--gold-light);
    text-decoration: none;
    font-weight: 700;
    text-transform: none;
    letter-spacing: 0.01em;
}

.footer-powered-badge a:hover {
    color: var(--gold);
}

/* =============================================
   MOBILE NAV (open state)
   ============================================= */
.nav-links.mobile-open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--navy);
    padding: 24px;
    gap: 4px;
    z-index: 999;
    overflow-y: auto;
}

.nav-links.mobile-open a {
    font-size: 1.1rem;
    padding: 14px 16px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}

/* =============================================
   RESPONSIVE — 1024px
   ============================================= */
@media (max-width: 1024px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-card {
        display: none;
    }

    .about-inner {
        grid-template-columns: 320px 1fr;
        gap: 48px;
    }

    .loan-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .loan-grid .loan-card:nth-child(1) { grid-column: auto; }
    .loan-grid .loan-card:nth-child(2) { grid-column: auto; }
    .loan-grid .loan-card:nth-child(3) { grid-column: auto; }
    .loan-grid .loan-card:nth-child(4) { grid-column: auto; }
    .loan-grid .loan-card:nth-child(5) { grid-column: 1 / span 2; }

    .resources-grid {
        grid-template-columns: 1fr 1fr;
    }
    .resource-card-featured { grid-column: 1 / -1; }

    .reviews-inner {
        grid-template-columns: 1fr;
        gap: 48px;
    }
}

/* =============================================
   RESPONSIVE — 768px
   ============================================= */
@media (max-width: 768px) {
    /* Nav */
    .nav-links { display: none; }
    .nav-phone { display: none; }
    .hamburger { display: flex; }

    /* Hero */
    .hero-inner {
        grid-template-columns: 1fr;
        text-align: center;
        padding-top: 48px;
        padding-bottom: 100px;
        gap: 48px;
    }

    .hero-badge { margin: 0 auto 28px; }
    .hero-actions { justify-content: center; }
    .hero-trust   { justify-content: center; }
    .hero-subtext { margin-left: auto; margin-right: auto; }
    .hero-card    { display: none; }

    /* Stats */
    .stats-grid { flex-wrap: wrap; }
    .stat-divider { display: none; }
    .stat-item { flex: 0 0 50%; }

    /* About */
    .about-inner { grid-template-columns: 1fr; }
    .about-photo-col { max-width: 360px; margin: 0 auto; }

    /* Loans */
    .loan-grid { grid-template-columns: 1fr; }
    .loan-grid .loan-card:nth-child(5) { grid-column: auto; }

    /* Process */
    .process-steps {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .process-steps::before { display: none; }

    /* Resources */
    .resources-grid { grid-template-columns: 1fr; }

    /* Contact */
    .contact-inner { grid-template-columns: 1fr; gap: 40px; }

    /* Footer */
    .footer-inner { grid-template-columns: 1fr; gap: 40px; }
    .footer-links { grid-template-columns: repeat(2, 1fr); gap: 32px; }
}

/* =============================================
   RESPONSIVE — 480px
   ============================================= */
@media (max-width: 480px) {
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { text-align: center; }

    .stat-item { flex: 0 0 100%; }
    .stat-number { font-size: 2.2rem; }

    .footer-links { grid-template-columns: 1fr; }

    .reviews-inner { grid-template-columns: 1fr; }
}

/* =============================================
   SCROLL ANIMATIONS (JS-triggered)
   ============================================= */
.anim-fade {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.55s ease, transform 0.55s ease;
}

.anim-fade.visible {
    opacity: 1;
    transform: translateY(0);
}

/* =============================================
   TOOLS / CALCULATORS
   ============================================= */
.tools-section {
    padding: 100px 0;
    background: var(--gray-light);
}

/* --- Tabs --- */
.calc-tabs {
    display: flex;
    gap: 10px;
    margin-bottom: 32px;
    flex-wrap: wrap;
}

.calc-tab-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    padding: 12px 24px;
    border-radius: 100px;
    border: 2px solid var(--gray-mid);
    background: var(--white);
    color: var(--text-muted);
    cursor: pointer;
    transition: var(--transition);
}

.calc-tab-btn:hover {
    border-color: var(--navy);
    color: var(--navy);
}

.calc-tab-btn.active {
    background: var(--navy);
    border-color: var(--navy);
    color: var(--white);
}

.calc-tab-btn.active i { color: var(--gold); }

/* --- Panels --- */
.calc-panel { display: none; }
.calc-panel.active { display: block; }

/* --- Grid layout --- */
.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 48px;
    border: 1px solid var(--gray-mid);
}

/* --- Input column --- */
.calc-inputs-col {
    display: flex;
    flex-direction: column;
    gap: 28px;
}

.calc-field {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.calc-field label {
    font-family: 'Poppins', sans-serif;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.calc-field label small {
    font-family: 'Inter', sans-serif;
    text-transform: none;
    letter-spacing: 0;
    font-weight: 400;
    color: var(--text-muted);
    font-size: 0.8rem;
}

.calc-dynamic {
    color: var(--gold);
}

.input-dollar {
    display: flex;
    align-items: center;
    border: 1.5px solid var(--gray-mid);
    border-radius: 8px;
    background: var(--gray-light);
    overflow: hidden;
    transition: border-color 0.2s;
}

.input-dollar:focus-within {
    border-color: var(--navy);
    background: var(--white);
}

.input-dollar span {
    padding: 0 12px;
    font-size: 0.9rem;
    color: var(--text-muted);
    font-weight: 600;
    background: var(--gray-mid);
    align-self: stretch;
    display: flex;
    align-items: center;
}

.input-dollar input {
    flex: 1;
    border: none;
    background: transparent;
    padding: 11px 14px;
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text);
    outline: none;
    min-width: 0;
}

.calc-sub-input { margin-top: 4px; }

.calc-select {
    width: 100%;
    border: 1.5px solid var(--gray-mid);
    border-radius: 8px;
    background: var(--gray-light);
    padding: 11px 14px;
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text);
    outline: none;
    cursor: pointer;
    transition: border-color 0.2s;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23888' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}

.calc-select:focus {
    border-color: var(--navy);
    background-color: var(--white);
}

/* Range slider */
.calc-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--gray-mid);
    outline: none;
    cursor: pointer;
    accent-color: var(--gold);
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(200, 151, 62, 0.45);
    border: 2px solid var(--white);
    transition: transform 0.15s;
}

.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gold);
    cursor: pointer;
    border: 2px solid var(--white);
    box-shadow: 0 2px 8px rgba(200, 151, 62, 0.45);
}

/* Term buttons */
.term-btn-group {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.term-btn {
    padding: 8px 18px;
    border-radius: 8px;
    border: 1.5px solid var(--gray-mid);
    background: var(--gray-light);
    font-family: 'Poppins', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
    cursor: pointer;
    transition: var(--transition);
}

.term-btn:hover {
    border-color: var(--navy);
    color: var(--navy);
    background: var(--white);
}

.term-btn.active {
    background: var(--navy);
    border-color: var(--navy);
    color: var(--white);
}

/* --- Results column --- */
.calc-results-col {
    display: flex;
    flex-direction: column;
    gap: 0;
    background: var(--navy);
    border-radius: 12px;
    padding: 36px 32px;
    color: var(--white);
}

.result-hero {
    text-align: center;
    padding-bottom: 28px;
    margin-bottom: 28px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.result-hero-label {
    font-family: 'Poppins', sans-serif;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--gold);
    margin-bottom: 8px;
}

.result-hero-amount {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1;
}

.result-hero-sub {
    margin-top: 6px;
    font-size: 0.9rem;
    color: rgba(255,255,255,0.55);
    font-weight: 500;
}

.result-rows {
    display: flex;
    flex-direction: column;
    gap: 0;
    flex: 1;
}

.result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 11px 0;
    font-size: 0.875rem;
}

.result-row span { color: rgba(255,255,255,0.65); }
.result-row strong { color: var(--white); font-weight: 600; }

/* Separator between rows — but not before the very first row */
.result-rows > .result-row + .result-row {
    border-top: 1px solid rgba(255,255,255,0.06);
}

/* Stronger separator before the total, only when it's not the first row */
.result-rows > .result-row-total:not(:first-child) {
    border-top: 1px solid rgba(255,255,255,0.2);
    margin-top: 6px;
    padding-top: 16px;
}

.result-row-total span { color: rgba(255,255,255,0.85); font-weight: 500; }
.result-row-total strong { color: var(--gold); }

.calc-tip {
    font-size: 0.7rem;
    color: rgba(255,255,255,0.4);
    cursor: help;
}

.calc-cta-btn {
    margin-top: 24px;
    width: 100%;
    justify-content: center;
    text-align: center;
}

.calc-disclaimer {
    margin-top: 12px;
    font-size: 0.72rem;
    color: rgba(255,255,255,0.35);
    text-align: center;
    line-height: 1.5;
}

/* --- Responsive --- */
@media (max-width: 900px) {
    .calc-grid {
        grid-template-columns: 1fr;
        padding: 32px 24px;
    }
}

@media (max-width: 480px) {
    .calc-tabs { gap: 8px; }
    .calc-tab-btn { font-size: 0.82rem; padding: 10px 18px; }
}

/* =============================================
   BLOG — SHARED
   ============================================= */
.blog-tag {
    display: inline-block;
    font-family: 'Poppins', sans-serif;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold);
    background: rgba(200,151,62,0.12);
    padding: 4px 12px;
    border-radius: 100px;
    transition: var(--transition);
}

.blog-tag:hover {
    background: rgba(200,151,62,0.22);
    color: var(--gold-dark);
}

.blog-tag-light {
    color: var(--gold-light);
    background: rgba(200,151,62,0.18);
}

/* =============================================
   BLOG — HERO (listing page)
   ============================================= */
.blog-hero {
    background: linear-gradient(140deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 120px 0 80px;
    position: relative;
    overflow: hidden;
}

.blog-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 55% 60% at 80% 50%, rgba(200,151,62,0.1) 0%, transparent 70%);
    pointer-events: none;
}

.blog-hero-inner {
    position: relative;
    text-align: center;
}

.blog-hero-title {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--white);
    margin: 12px 0 16px;
    line-height: 1.2;
}

.blog-hero-sub {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.65);
    max-width: 520px;
    margin: 0 auto;
}

/* =============================================
   BLOG — LISTING GRID
   ============================================= */
.blog-listing-section {
    background: var(--gray-light);
    padding: 64px 0 80px;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.blog-grid-3 { grid-template-columns: repeat(3, 1fr); }

.blog-card {
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transition: var(--transition);
    border: 2px solid transparent;
}

.blog-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold);
}

.blog-card-image-wrap {
    display: block;
    width: 100%;
    aspect-ratio: 16 / 9;
    overflow: hidden;
    background: var(--navy);
    flex-shrink: 0;
}

.blog-card-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.4s ease;
}

.blog-card:hover .blog-card-image { transform: scale(1.04); }

.blog-card-image-placeholder {
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    color: rgba(200,151,62,0.3);
    background: var(--navy);
}

.blog-card-body {
    padding: 24px 26px;
    display: flex;
    flex-direction: column;
    flex: 1;
    gap: 10px;
}

.blog-card-tags { display: flex; flex-wrap: wrap; gap: 6px; }

.blog-card-title {
    font-family: 'Poppins', sans-serif;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.35;
    flex: 1;
}

.blog-card-title a { color: inherit; }
.blog-card-title a:hover { color: var(--gold-dark); }

.blog-card-excerpt {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.7;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.blog-card-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-top: auto;
    padding-top: 14px;
    border-top: 1px solid var(--gray-mid);
}

.blog-card-date {
    font-size: 0.78rem;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 6px;
}

.blog-card-read-more {
    font-family: 'Poppins', sans-serif;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--gold);
    display: inline-flex;
    align-items: center;
    gap: 5px;
    transition: gap 0.2s;
}

.blog-card-read-more:hover { gap: 9px; }

/* Empty state */
.blog-empty {
    text-align: center;
    padding: 80px 24px;
}

.blog-empty i {
    font-size: 3rem;
    color: var(--gold);
    margin-bottom: 20px;
    display: block;
}

.blog-empty h2 {
    font-size: 1.6rem;
    color: var(--navy);
    margin-bottom: 12px;
}

.blog-empty p {
    color: var(--text-muted);
    margin-bottom: 28px;
    max-width: 420px;
    margin-left: auto;
    margin-right: auto;
}

/* Pagination */
.blog-pagination {
    margin-top: 52px;
    display: flex;
    justify-content: center;
}

.blog-pagination .hs-blog-pagination { display: flex; gap: 8px; }

.blog-pagination .hs-blog-pagination-item a,
.blog-pagination .hs-blog-pagination-item span {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 8px;
    border: 1.5px solid var(--gray-mid);
    font-family: 'Poppins', sans-serif;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--navy);
    transition: var(--transition);
}

.blog-pagination .hs-blog-pagination-item a:hover {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.blog-pagination .hs-blog-pagination-item.active span {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

/* =============================================
   BLOG — CTA STRIP (listing + post bottom)
   ============================================= */
.blog-cta-strip {
    background: linear-gradient(140deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 72px 0;
}

.blog-cta-strip-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    flex-wrap: wrap;
}

.blog-cta-strip-text h2 {
    font-size: clamp(1.4rem, 2.5vw, 2rem);
    color: var(--white);
    margin-bottom: 8px;
}

.blog-cta-strip-text p {
    color: rgba(255,255,255,0.65);
    font-size: 1rem;
}

.blog-cta-strip-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

/* =============================================
   BLOG — POST HERO
   ============================================= */
.post-hero {
    position: relative;
    background: linear-gradient(140deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 120px 0 80px;
    overflow: hidden;
}

.post-hero-image {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
}

.post-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to bottom, rgba(14,35,65,0.75) 0%, rgba(14,35,65,0.88) 100%);
}

.post-hero-inner {
    position: relative;
    max-width: 820px;
}

.post-hero-inner--no-image { }

.post-hero-title {
    font-family: 'Poppins', sans-serif;
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1.2;
    margin: 14px 0 20px;
}

.post-hero-subtitle {
    font-size: clamp(1rem, 1.8vw, 1.15rem);
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
    max-width: 640px;
    margin: 0;
}

.post-hero-meta {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    font-size: 0.875rem;
    color: rgba(255,255,255,0.6);
}

.post-hero-meta i { margin-right: 5px; color: var(--gold); }

/* =============================================
   BLOG — POST BODY
   ============================================= */
.post-body-section {
    background: var(--white);
    padding: 64px 0 80px;
}

.post-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 56px;
    align-items: start;
}

/* Article typography */
.post-content {
    font-size: 1.05rem;
    line-height: 1.8;
    color: var(--text);
}

.post-content h2 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy);
    margin: 40px 0 16px;
}

.post-content h3 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--navy);
    margin: 32px 0 12px;
}

.post-content p { margin-bottom: 20px; }

.post-content ul, .post-content ol {
    padding-left: 24px;
    margin-bottom: 20px;
}

.post-content li { margin-bottom: 8px; }

.post-content a {
    color: var(--gold-dark);
    text-decoration: underline;
    text-decoration-color: rgba(164,120,48,0.4);
}

.post-content a:hover { text-decoration-color: var(--gold-dark); }

.post-content blockquote {
    border-left: 4px solid var(--gold);
    padding: 16px 24px;
    margin: 28px 0;
    background: var(--gray-light);
    border-radius: 0 var(--radius) var(--radius) 0;
    font-style: italic;
    color: var(--text-muted);
}

.post-content img {
    border-radius: var(--radius);
    margin: 28px 0;
    width: 100%;
    height: auto;
}

.post-content strong { color: var(--navy); }

/* Share bar (blog post) */
.post-share {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 20px 0;
    border-top: 1px solid var(--gray-mid);
    border-bottom: 1px solid var(--gray-mid);
    margin: 0 0 32px;
    flex-wrap: wrap;
}

.post-share-label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--text-muted);
    white-space: nowrap;
}

.post-share-btns {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
}

/* Shared base for share buttons */
.share-copy-btn,
.share-social-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    border: 1px solid var(--gray-mid);
    cursor: pointer;
    font-family: 'Inter', sans-serif;
    font-size: 0.8125rem;
    font-weight: 600;
    border-radius: 8px;
    background: var(--gray-light);
    color: var(--navy);
    transition: background 0.18s, color 0.18s, border-color 0.18s, transform 0.15s;
    text-decoration: none;
    white-space: nowrap;
    line-height: 1;
}

.share-copy-btn:hover,
.share-social-btn:hover {
    transform: translateY(-1px);
}

.share-copy-btn {
    padding: 8px 14px;
}

.share-copy-btn:hover {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.share-copy-btn.share-copied {
    background: #16a34a;
    color: var(--white);
    border-color: #16a34a;
}

.share-social-btn {
    width: 36px;
    height: 36px;
    color: #fff;
    border-color: transparent;
}

.share-social-btn.share-btn-facebook { background: #1877F2; border-color: #1877F2; }
.share-social-btn.share-btn-x        { background: #000;    border-color: #000; }
.share-social-btn.share-btn-linkedin { background: #0A66C2; border-color: #0A66C2; }
.share-social-btn.share-btn-email    { background: var(--gold); border-color: var(--gold); }

.share-social-btn.share-btn-facebook:hover { background: #0d6efd; border-color: #0d6efd; }
.share-social-btn.share-btn-x:hover        { background: #333;    border-color: #333; }
.share-social-btn.share-btn-linkedin:hover { background: #004182; border-color: #004182; }
.share-social-btn.share-btn-email:hover    { background: var(--gold-dark); border-color: var(--gold-dark); }

/* Share toggle + panel on blog listing cards */
.blog-card-actions {
    display: flex;
    align-items: center;
    gap: 10px;
}

.blog-card-share-toggle {
    background: none;
    border: none;
    cursor: pointer;
    color: var(--text-muted);
    font-size: 0.875rem;
    padding: 2px 4px;
    transition: color 0.18s;
    display: flex;
    align-items: center;
    line-height: 1;
}

.blog-card-share-toggle:hover,
.blog-card-share-toggle.share-active {
    color: var(--gold);
}

.blog-card-share-panel {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 10px 0 4px;
    flex-wrap: wrap;
    border-top: 1px solid var(--gray-mid);
    margin-top: 10px;
}

.blog-card-share-panel[hidden] { display: none; }

.blog-card-share-panel .share-social-btn {
    width: 30px;
    height: 30px;
    font-size: 0.75rem;
    border-radius: 6px;
    color: #fff;
    border-color: transparent;
}

.blog-card-share-panel .share-copy-btn {
    padding: 5px 10px;
    font-size: 0.75rem;
    border-radius: 6px;
}

/* Tags below article */
.post-tags {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
    margin: 40px 0 32px;
    padding-top: 28px;
    border-top: 1px solid var(--gray-mid);
    font-size: 0.875rem;
    color: var(--text-muted);
    font-weight: 500;
}

/* Author bio */
.post-author-bio {
    display: flex;
    gap: 20px;
    background: var(--gray-light);
    border-radius: var(--radius);
    padding: 28px;
    align-items: flex-start;
    border-left: 4px solid var(--gold);
}

.post-author-avatar {
    width: 72px !important;
    height: 72px !important;
    min-width: 72px;
    max-width: 72px !important;
    border-radius: 50%;
    object-fit: cover;
    flex-shrink: 0;
    align-self: flex-start;
}

.post-author-info strong {
    display: block;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.post-author-info span {
    display: block;
    font-size: 0.8rem;
    color: var(--gold-dark);
    font-weight: 600;
    margin-bottom: 10px;
}

.post-author-info p {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin: 0;
}

/* =============================================
   BLOG — SIDEBAR
   ============================================= */
.post-sidebar {
    display: flex;
    flex-direction: column;
    gap: 20px;
    position: sticky;
    top: 96px;
}

.sidebar-card {
    background: var(--gray-light);
    border-radius: var(--radius);
    padding: 28px 24px;
    border: 1px solid var(--gray-mid);
}

.sidebar-card-navy {
    background: var(--navy);
    border-color: rgba(255,255,255,0.08);
}

.sidebar-card-navy h3 { color: var(--white) !important; }
.sidebar-card-navy p { color: rgba(255,255,255,0.65) !important; }

.sidebar-card-icon {
    width: 44px;
    height: 44px;
    background: rgba(200,151,62,0.12);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    color: var(--gold);
    margin-bottom: 16px;
}

.sidebar-card-icon-gold {
    background: rgba(200,151,62,0.12);
    color: var(--gold);
}

.sidebar-card h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}

.sidebar-card p {
    font-size: 0.875rem;
    color: var(--text-muted);
    line-height: 1.6;
    margin-bottom: 16px;
}

.sidebar-contact {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.sidebar-contact-row {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.9rem;
    color: var(--navy);
    font-weight: 600;
    padding: 10px 14px;
    border-radius: 8px;
    background: var(--gray-light);
    border: 1px solid var(--gray-mid);
    transition: var(--transition);
}

.sidebar-contact-row i { color: var(--gold); }
.sidebar-contact-row:hover { background: var(--navy); color: var(--white); }
.sidebar-contact-row:hover i { color: var(--gold-light); }

/* =============================================
   BLOG — RELATED POSTS
   ============================================= */
.related-posts {
    background: var(--gray-light);
    padding: 80px 0;
}

/* =============================================
   BLOG — RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
    .blog-grid { grid-template-columns: repeat(2, 1fr); }
    .blog-grid-3 { grid-template-columns: repeat(2, 1fr); }
    .post-layout { grid-template-columns: 1fr 280px; gap: 36px; }
}

@media (max-width: 768px) {
    .blog-grid { grid-template-columns: 1fr; }
    .blog-grid-3 { grid-template-columns: 1fr; }
    .post-layout { grid-template-columns: 1fr; }
    .post-sidebar { position: static; }
    .blog-cta-strip-inner { flex-direction: column; text-align: center; }
    .blog-cta-strip-actions { justify-content: center; }
    .post-author-bio { flex-direction: column; }
}

/* =============================================
   FAQ SECTION
   ============================================= */
.faq-section {
    padding: 80px 0;
    background: var(--white);
}

.faq-section .section-header {
    margin-bottom: 48px;
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    border: 1px solid var(--gray-mid);
    border-radius: var(--radius);
    overflow: hidden;
    transition: box-shadow 0.2s ease;
}

.faq-item.open {
    box-shadow: var(--shadow);
}

.faq-question {
    width: 100%;
    background: var(--white);
    border: none;
    padding: 20px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    cursor: pointer;
    text-align: left;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--navy);
    line-height: 1.4;
    transition: var(--transition);
}

.faq-question:hover {
    background: var(--gray-light);
}

.faq-item.open .faq-question {
    background: var(--navy);
    color: var(--white);
}

.faq-icon {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--gray-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    color: var(--navy);
    transition: var(--transition);
}

.faq-item.open .faq-icon {
    background: var(--gold);
    color: var(--white);
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.2s ease;
}

.faq-answer-inner {
    padding: 16px 24px 20px;
    color: var(--text-muted);
    line-height: 1.7;
    font-size: 0.95rem;
}

.faq-answer-inner a {
    color: var(--gold-dark);
    text-decoration: underline;
}

.faq-answer-inner strong {
    color: var(--text);
}

.faq-item.open .faq-answer {
    max-height: 600px;
}

@media (max-width: 768px) {
    .faq-question { font-size: 0.9rem; padding: 16px 18px; }
    .faq-answer-inner { padding: 0 18px 16px; }
}

/* =============================================
   LANDING PAGE — HERO (state & loan type pages)
   ============================================= */
.lp-hero {
    background: var(--navy);
    padding: 100px 0 60px;
    position: relative;
    overflow: hidden;
}

.lp-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 60% 80% at 80% 50%, rgba(200,151,62,0.12) 0%, transparent 70%),
        radial-gradient(ellipse 40% 60% at 10% 80%, rgba(255,255,255,0.04) 0%, transparent 60%);
    pointer-events: none;
}

.lp-hero-inner {
    position: relative;
    z-index: 1;
    max-width: 800px;
}

.lp-hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 16px;
}

.lp-hero-eyebrow i {
    font-size: 0.75rem;
}

.lp-hero h1 {
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 800;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 20px;
}

.lp-hero h1 span {
    color: var(--gold);
    display: inline;
}

.lp-hero-sub,
.lp-hero-sub span,
.lp-hero-sub * {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.75) !important;
    line-height: 1.65;
    margin-bottom: 32px;
    max-width: 620px;
}

.lp-hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    align-items: center;
    margin-bottom: 36px;
}

.lp-hero-trust {
    display: flex;
    gap: 24px;
    flex-wrap: wrap;
}

.lp-hero-trust .trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.82rem;
    color: rgba(255,255,255,0.65);
}

.lp-hero-trust .trust-item i {
    color: var(--gold);
}

/* =============================================
   LANDING PAGE — BREADCRUMB
   ============================================= */
.breadcrumb {
    background: var(--gray-light);
    padding: 12px 0;
    padding-top: calc(72px + 12px); /* offset fixed navbar */
    border-bottom: 1px solid var(--gray-mid);
    font-size: 0.82rem;
    color: var(--text-muted);
}

.breadcrumb-inner {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
}

.breadcrumb a {
    color: var(--navy);
    font-weight: 500;
}

.breadcrumb a:hover { color: var(--gold-dark); }
.breadcrumb i { font-size: 0.65rem; color: var(--text-muted); }
.breadcrumb span { color: var(--text-muted); }

/* =============================================
   LANDING PAGE — INTRO SECTION
   ============================================= */
.lp-intro {
    padding: 72px 0 60px;
    background: var(--white);
}

.lp-intro-grid {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 64px;
    align-items: start;
}

.lp-intro-body h2 {
    font-size: clamp(1.6rem, 2.5vw, 2.2rem);
    color: var(--navy);
    margin-bottom: 16px;
}

.lp-intro-body p {
    color: var(--text-muted);
    line-height: 1.75;
    margin-bottom: 16px;
    font-size: 1.02rem;
}

.lp-checklist {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin: 24px 0;
}

.lp-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.95rem;
    color: var(--text);
    line-height: 1.5;
}

.lp-checklist li i {
    color: var(--gold);
    margin-top: 2px;
    flex-shrink: 0;
}

.lp-sidebar-card {
    background: var(--navy);
    border-radius: 16px;
    padding: 32px;
    color: var(--white);
    position: sticky;
    top: 100px;
}

.lp-sidebar-card h3 {
    font-size: 1.25rem;
    margin-bottom: 8px;
}

.lp-sidebar-card p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 24px;
    line-height: 1.6;
}

.lp-sidebar-card .btn {
    width: 100%;
    justify-content: center;
    margin-bottom: 10px;
}

.lp-sidebar-divider {
    border: none;
    border-top: 1px solid rgba(255,255,255,0.12);
    margin: 20px 0;
}

.lp-sidebar-contact a {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.88rem;
    color: rgba(255,255,255,0.75);
    padding: 8px 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    transition: color 0.2s;
}

.lp-sidebar-contact a:hover { color: var(--gold); }
.lp-sidebar-contact a i { color: var(--gold); width: 16px; text-align: center; }

/* =============================================
   LANDING PAGE — REQUIREMENTS / BENEFITS GRID
   ============================================= */
.lp-details {
    padding: 72px 0;
    background: var(--gray-light);
}

.lp-details-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    margin-top: 40px;
}

.lp-detail-card {
    background: var(--white);
    border-radius: 16px;
    padding: 32px;
    box-shadow: var(--shadow);
}

.lp-detail-card h3 {
    font-size: 1.1rem;
    color: var(--navy);
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.lp-detail-card h3 i {
    color: var(--gold);
    font-size: 1.1rem;
}

.lp-detail-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.lp-detail-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.92rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.lp-detail-list li i {
    color: var(--gold);
    margin-top: 2px;
    flex-shrink: 0;
}

.lp-detail-list li strong {
    color: var(--text);
}

/* =============================================
   LANDING PAGE — LOAN SNAPSHOT BADGES
   ============================================= */
.lp-snapshot {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    margin: 32px 0;
}

.lp-snapshot-badge {
    background: var(--gray-light);
    border: 1px solid var(--gray-mid);
    border-radius: 12px;
    padding: 16px 20px;
    text-align: center;
    min-width: 130px;
    flex: 1;
}

.lp-snapshot-badge strong {
    display: block;
    font-family: 'Poppins', sans-serif;
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--navy);
}

.lp-snapshot-badge span {
    font-size: 0.78rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

/* =============================================
   LANDING PAGE — STATES COVERAGE STRIP
   ============================================= */
.lp-states-strip {
    padding: 48px 0;
    background: var(--white);
    border-top: 1px solid var(--gray-mid);
    border-bottom: 1px solid var(--gray-mid);
}

.lp-states-strip .section-header {
    margin-bottom: 24px;
}

/* =============================================
   LANDING PAGE — RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
    .lp-intro-grid { grid-template-columns: 1fr; gap: 40px; }
    .lp-sidebar-card { position: static; }
    .lp-details-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .lp-hero { padding: 80px 0 48px; }
    .lp-hero-actions { flex-direction: column; align-items: flex-start; }
    .lp-hero-trust { gap: 14px; }
    .lp-snapshot { gap: 12px; }
    .lp-snapshot-badge { min-width: 100px; flex: 1 1 40%; }
}

/* =============================================
   MOBILE: DISABLE TRANSFORM-BASED HOVER EFFECTS
   On touch devices :hover activates on tap, causing
   layout shifts (transforms) that can freeze iOS scroll.
   ============================================= */
@media (hover: none) {
    .highlight:hover,
    .loan-card:hover,
    .loan-card-featured:hover,
    .process-step:hover .step-icon,
    .state-chip:hover,
    .review-card:hover,
    .resource-card:hover,
    .resource-card-featured:hover,
    .blog-card:hover {
        transform: none;
        box-shadow: none;
    }
    .blog-card:hover .blog-card-image {
        transform: none;
    }
}