/* PWM Loans — Main Stylesheet */

/* ─── LAYOUT UTILITIES ─── */
.container {
  width: 100%;
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: clamp(var(--space-4), 5vw, var(--space-16));
}
.container--narrow {
  max-width: var(--content-default);
}

/* ─── HEADER / NAV ─── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(15, 40, 48, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: box-shadow var(--transition-slow);
}

[data-theme="light"] .site-header {
  background: rgba(37, 83, 98, 0.97);
}

.site-header.scrolled {
  box-shadow: var(--shadow-lg);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: var(--space-8);
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}
.site-logo svg { flex-shrink: 0; }
.site-logo .logo-text {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
}
.site-logo .logo-sub {
  font-size: var(--text-xs);
  font-weight: 400;
  color: rgba(255,255,255,0.65);
  display: block;
}

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  border-radius: var(--radius-md);
  white-space: nowrap;
}
.nav-links a:hover { color: #fff; background: rgba(255,255,255,0.1); }
.nav-links a.active { color: #fff; }

/* Dropdown */
.nav-dropdown {
  position: relative;
}
.nav-dropdown > a {
  gap: var(--space-1);
}
.dropdown-arrow {
  width: 14px;
  height: 14px;
  transition: transform 0.2s ease;
  opacity: 0.7;
}
.nav-dropdown:hover .dropdown-arrow,
.nav-dropdown:focus-within .dropdown-arrow { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  min-width: 200px;
  padding: var(--space-2);
  opacity: 0;
  visibility: hidden;
  transform: translateX(-50%) translateY(-8px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  z-index: 50;
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: var(--space-2) var(--space-3);
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text) !important;
  text-decoration: none;
  border-radius: var(--radius-md);
  background: none !important;
}
.dropdown-menu a:hover {
  background: var(--color-surface-offset) !important;
  color: var(--color-primary) !important;
}

/* Nav right */
.nav-right {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-shrink: 0;
}

/* Theme toggle */
.theme-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  color: rgba(255,255,255,0.75);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
}
.theme-toggle:hover { color: #fff; background: rgba(255,255,255,0.15); }

/* Mobile menu */
.mobile-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  color: rgba(255,255,255,0.85);
  border-radius: var(--radius-md);
}
.mobile-toggle:hover { background: rgba(255,255,255,0.1); color: #fff; }

@media (max-width: 900px) {
  .nav-links { display: none; }
  .mobile-toggle { display: flex; }
}

.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  top: 72px;
  background: #0a1518;
  z-index: 99;
  padding: var(--space-6);
  flex-direction: column;
  gap: var(--space-2);
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  display: block;
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-base);
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  border-radius: var(--radius-md);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.mobile-nav a:hover { background: rgba(255,255,255,0.08); color: #fff; }
.mobile-nav .mobile-cta {
  margin-top: var(--space-4);
  background: var(--color-accent);
  color: #fff !important;
  text-align: center;
  border-radius: var(--radius-md);
  border: none;
}
.mobile-nav .mobile-cta:hover { background: var(--color-accent-hover); }

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  font-size: var(--text-sm);
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn--primary {
  background: var(--color-accent);
  color: #fff;
  border-color: var(--color-accent);
}
.btn--primary:hover {
  background: var(--color-accent-hover);
  border-color: var(--color-accent-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(224,120,32,0.4);
}
.btn--secondary {
  background: var(--color-primary);
  color: #fff;
  border-color: var(--color-primary);
}
.btn--secondary:hover {
  background: var(--color-primary-hover);
  border-color: var(--color-primary-hover);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn--outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.4);
}
.btn--outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.8);
}
.btn--lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
}

.btn--nav-apply {
  background: var(--color-accent);
  color: #fff;
  padding: var(--space-2) var(--space-5);
  font-size: var(--text-sm);
  font-weight: 700;
  border-radius: var(--radius-md);
  text-decoration: none;
  letter-spacing: 0.02em;
}
.btn--nav-apply:hover {
  background: var(--color-accent-hover);
  transform: translateY(-1px);
}

/* ─── HERO SECTIONS ─── */
.hero {
  position: relative;
  min-height: 80vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero--short { min-height: 50vh; }

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(10,25,30,0.85) 0%,
    rgba(37,83,98,0.65) 50%,
    rgba(20,55,68,0.55) 100%
  );
}

.hero-content {
  position: relative;
  z-index: 1;
  padding-block: clamp(var(--space-16), 10vw, var(--space-32));
  width: 100%;
  text-align: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-1) var(--space-4);
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-full);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.9);
  margin-bottom: var(--space-6);
  margin-left: auto;
  margin-right: auto;
}
.hero-eyebrow::before {
  content: '';
  display: inline-block;
  width: 6px;
  height: 6px;
  background: var(--color-accent);
  border-radius: var(--radius-full);
}

.hero-title {
  font-size: clamp(2.2rem, 4.5vw, var(--text-3xl));
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  margin-bottom: var(--space-6);
  max-width: 20ch;
  margin-left: auto;
  margin-right: auto;
}
.hero-title span {
  color: var(--color-accent);
}

.hero-subtitle {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.8);
  max-width: 52ch;
  line-height: 1.6;
  margin-bottom: var(--space-10);
  margin-left: auto;
  margin-right: auto;
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  align-items: center;
  justify-content: center;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-6);
  margin-top: var(--space-12);
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.15);
  justify-content: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  color: rgba(255,255,255,0.75);
  font-size: var(--text-sm);
}
.trust-item svg {
  color: var(--color-accent);
  flex-shrink: 0;
}

/* ─── SECTIONS ─── */
.section {
  padding-block: clamp(var(--space-16), 8vw, var(--space-32));
}
.section--alt {
  background: var(--color-surface-2);
}
.section--dark {
  background: var(--color-primary);
  color: #fff;
}
.section--navy {
  background: #0a1518;
  color: #fff;
}

.section-header {
  text-align: center;
  max-width: 600px;
  margin-inline: auto;
  margin-bottom: clamp(var(--space-10), 5vw, var(--space-16));
}
.section-eyebrow {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}
.section-title {
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-text);
  line-height: 1.15;
  margin-bottom: var(--space-4);
}
.section--dark .section-title,
.section--navy .section-title { color: #fff; }
.section-desc {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.7;
  max-width: 56ch;
  margin-inline: auto;
}
.section--dark .section-desc { color: rgba(255,255,255,0.75); }
.section--navy .section-desc { color: rgba(255,255,255,0.75); }

/* ─── CARDS ─── */
.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-interactive), transform var(--transition-interactive);
}
.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

/* ─── SERVICES GRID ─── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-6);
}

.service-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-interactive), transform var(--transition-interactive), border-color var(--transition-interactive);
  text-decoration: none;
  color: inherit;
  display: block;
}
.service-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  border-color: var(--color-primary);
}
.service-icon {
  width: 56px;
  height: 56px;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
  color: var(--color-primary);
}
.service-title {
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}
.service-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-5);
}
.service-link {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-primary);
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  text-decoration: none;
}
.service-card:hover .service-link {
  gap: var(--space-2);
}

/* ─── LOAN TYPES ─── */
.loan-types {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-4);
}
.loan-type-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  text-align: center;
  transition: background var(--transition-interactive), transform var(--transition-interactive);
}
.loan-type-card:hover {
  background: rgba(255,255,255,0.12);
  transform: translateY(-2px);
}
.loan-type-icon {
  font-size: 2rem;
  margin-bottom: var(--space-3);
}
.loan-type-name {
  font-size: var(--text-base);
  font-weight: 700;
  color: #fff;
  margin-bottom: var(--space-2);
}
.loan-type-desc {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
}

/* ─── PROCESS STEPS ─── */
.process-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-8);
  counter-reset: steps;
}
.process-step {
  position: relative;
  text-align: center;
}
.step-number {
  width: 56px;
  height: 56px;
  background: var(--color-accent);
  color: #fff;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--text-lg);
  font-weight: 800;
  margin-inline: auto;
  margin-bottom: var(--space-4);
  box-shadow: 0 4px 16px rgba(224,120,32,0.3);
}
.step-title {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}
.step-desc {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* ─── STATS ─── */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: var(--space-8);
  text-align: center;
}
.stat-number {
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-accent);
  line-height: 1;
  margin-bottom: var(--space-2);
}
.stat-label {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}

/* ─── TESTIMONIALS ─── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-6);
}
.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
}
.testimonial-stars {
  display: flex;
  gap: var(--space-1);
  margin-bottom: var(--space-4);
  color: #f5a623;
}
.testimonial-text {
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: var(--space-6);
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.author-avatar {
  width: 44px;
  height: 44px;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-primary);
  flex-shrink: 0;
}
.author-name {
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-text);
}
.author-location {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* ─── CTA BAND ─── */
.cta-band {
  background: linear-gradient(135deg, #255362 0%, #2d7a8a 100%);
  padding-block: clamp(var(--space-12), 6vw, var(--space-24));
  text-align: center;
}
.cta-band h2 {
  font-size: var(--text-2xl);
  font-weight: 800;
  color: #fff;
  margin-bottom: var(--space-4);
}
.cta-band p {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.8);
  margin-bottom: var(--space-10);
  max-width: 52ch;
  margin-inline: auto;
  margin-bottom: var(--space-10);
}
.cta-band-btns {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  justify-content: center;
}

/* ─── TOOL CARDS (Homepage) ─── */
.tool-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-8);
}
.tool-card {
  background: linear-gradient(135deg, var(--color-primary) 0%, #2d7a8a 100%);
  border-radius: var(--radius-2xl);
  padding: var(--space-10);
  color: #fff;
  box-shadow: var(--shadow-xl);
  transition: transform var(--transition-interactive), box-shadow var(--transition-interactive);
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 28px 70px rgba(27,75,107,0.35);
}
.tool-card--secondary {
  background: linear-gradient(135deg, #2d7a8a 0%, #0d5c6a 100%);
}
.tool-card-icon {
  width: 60px;
  height: 60px;
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
}
.tool-card h3 {
  font-size: var(--text-xl);
  font-weight: 800;
  color: #fff;
}
.tool-card p {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.8);
  line-height: 1.6;
}
.tool-card .btn--tool {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: auto;
  padding: var(--space-3) var(--space-6);
  background: var(--color-accent);
  color: #fff;
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  width: fit-content;
}
.tool-card:hover .btn--tool {
  background: var(--color-accent-hover);
}

/* ─── WHY US ─── */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(var(--space-10), 5vw, var(--space-20));
  align-items: center;
}
@media (max-width: 768px) {
  .why-grid { grid-template-columns: 1fr; }
}
.why-image-wrapper {
  border-radius: var(--radius-2xl);
  overflow: hidden;
  aspect-ratio: 4/3;
  box-shadow: var(--shadow-xl);
  position: relative;
}
.why-image-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.why-content { display: flex; flex-direction: column; gap: var(--space-6); }
.why-item {
  display: flex;
  gap: var(--space-5);
  align-items: flex-start;
}
.why-item-icon {
  width: 48px;
  height: 48px;
  background: var(--color-accent-highlight);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}
.why-item-text h4 {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-1);
}
.why-item-text p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* ─── RATES WIDGET ─── */
.rates-section {
  background: var(--color-primary);
}
.rates-section .section-eyebrow { color: var(--color-accent); }
.rates-table {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  overflow: hidden;
}
.rates-table-header,
.rates-table-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  align-items: center;
  padding: var(--space-4) var(--space-6);
  gap: var(--space-4);
}
.rates-table-header {
  background: rgba(255,255,255,0.08);
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
}
.rates-table-row {
  border-top: 1px solid rgba(255,255,255,0.06);
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.85);
}
.rates-table-row:hover {
  background: rgba(255,255,255,0.04);
}
.rate-name { font-weight: 600; color: #fff; }
.rate-value {
  font-weight: 800;
  color: var(--color-accent);
  font-size: var(--text-base);
}
.rate-badge {
  display: inline-flex;
  padding: 2px 8px;
  background: rgba(61,184,200,0.15);
  border: 1px solid rgba(61,184,200,0.25);
  border-radius: var(--radius-full);
  font-size: 11px;
  font-weight: 600;
  color: #3db8c8;
}
@media (max-width: 600px) {
  .rates-table-header,
  .rates-table-row {
    grid-template-columns: 2fr 1fr 1fr;
  }
  .rates-table-header span:last-child,
  .rates-table-row span:last-child { display: none; }
}

/* ─── FORM STYLES ─── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
}
@media (max-width: 600px) {
  .form-grid { grid-template-columns: 1fr; }
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.form-group.full-width { grid-column: 1 / -1; }
.form-label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
}
.form-input,
.form-select,
.form-textarea {
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  color: var(--color-text);
  transition: border-color var(--transition-interactive), box-shadow var(--transition-interactive);
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(27,75,107,0.15);
}
.form-textarea { min-height: 120px; resize: vertical; }

/* ─── CONTACT PAGE ─── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: clamp(var(--space-10), 5vw, var(--space-20));
  align-items: start;
}
@media (max-width: 900px) {
  .contact-grid { grid-template-columns: 1fr; }
}
.contact-info-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}
.contact-info-item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}
.contact-info-icon {
  width: 44px;
  height: 44px;
  background: var(--color-primary-highlight);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}
.contact-info-label {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-text-muted);
  margin-bottom: var(--space-1);
}
.contact-info-value {
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-text);
  text-decoration: none;
}
.contact-info-value:hover { color: var(--color-primary); }

/* ─── PAGE HERO (interior pages) ─── */
.page-hero {
  position: relative;
  min-height: 55vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.page-hero .hero-title { font-size: var(--text-2xl); max-width: 20ch; }

/* ─── CONTENT SECTION ─── */
.content-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(var(--space-10), 5vw, var(--space-20));
  align-items: start;
}
@media (max-width: 768px) {
  .content-two-col { grid-template-columns: 1fr; }
}
.content-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.content-list-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
}
.content-list-item::before {
  content: '';
  display: inline-block;
  width: 6px;
  height: 6px;
  background: var(--color-accent);
  border-radius: var(--radius-full);
  margin-top: 7px;
  flex-shrink: 0;
}

/* ─── FOOTER ─── */
.site-footer {
  background: #081215;
  color: rgba(255,255,255,0.7);
  padding-top: clamp(var(--space-16), 8vw, var(--space-32));
  padding-bottom: var(--space-12);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: clamp(var(--space-8), 3vw, var(--space-16));
  margin-bottom: var(--space-16);
}
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer-brand { max-width: 320px; }
.footer-brand p {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-top: var(--space-4);
  max-width: 38ch;
}
.footer-col h4 {
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.9);
  margin-bottom: var(--space-5);
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  list-style: none;
  padding: 0;
}
.footer-links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color var(--transition-interactive);
}
.footer-links a:hover { color: rgba(255,255,255,0.9); }
.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.07);
  margin-bottom: var(--space-8);
}
.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: var(--space-6);
}
.footer-legal {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.35);
  line-height: 1.7;
  max-width: 640px;
}
.footer-badges {
  display: flex;
  gap: var(--space-4);
  align-items: center;
  flex-wrap: wrap;
}
.footer-badge {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.45);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-md);
}
.footer-badge svg { color: rgba(255,255,255,0.55); }

/* ─── ABOUT PAGE ─── */
.about-intro {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: clamp(var(--space-10), 5vw, var(--space-20));
  align-items: center;
}
@media (max-width: 768px) {
  .about-intro { grid-template-columns: 1fr; }
}
.about-lead {
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  line-height: 1.6;
  margin-bottom: var(--space-6);
}

/* ─── ANIMATIONS ─── */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s cubic-bezier(0.16,1,0.3,1), transform 0.6s cubic-bezier(0.16,1,0.3,1);
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-up[data-delay="1"] { transition-delay: 0.1s; }
.fade-up[data-delay="2"] { transition-delay: 0.2s; }
.fade-up[data-delay="3"] { transition-delay: 0.3s; }
.fade-up[data-delay="4"] { transition-delay: 0.4s; }
.fade-up[data-delay="5"] { transition-delay: 0.5s; }

/* ─── RESPONSIVE UTILITIES ─── */
@media (max-width: 600px) {
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas .btn { text-align: center; justify-content: center; }
  .tool-cards { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 400px) {
  .process-steps { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: 1fr 1fr; }
}

/* ─── REAL LOGO IMAGE ─── */
.logo-img {
  height: 38px;
  width: auto;
  display: block;
  border-radius: 6px;
  /* Invert to white for dark nav */
  filter: brightness(0) invert(1);
}
.logo-img--footer {
  height: 32px;
  width: auto;
  display: block;
  border-radius: 4px;
  filter: brightness(0) invert(1);
}

/* ─── LEAD CAPTURE MODAL ─── */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  backdrop-filter: blur(4px);
  z-index: 1000;
  align-items: center;
  justify-content: center;
  padding: var(--space-4);
}
.modal-overlay.active {
  display: flex;
}
.modal {
  background: var(--color-surface);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  max-width: 520px;
  width: 100%;
  position: relative;
  box-shadow: 0 24px 60px rgba(0,0,0,0.3);
  animation: modalIn 0.3s cubic-bezier(0.16,1,0.3,1);
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(20px) scale(0.97); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}
.modal-close {
  position: absolute;
  top: var(--space-4);
  right: var(--space-4);
  background: none;
  border: none;
  cursor: pointer;
  color: var(--color-text-muted);
  padding: var(--space-2);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, color 0.2s;
}
.modal-close:hover { background: var(--color-bg); color: var(--color-text); }

/* Progress bar */
.modal-progress {
  display: flex;
  gap: var(--space-2);
  margin-bottom: var(--space-8);
}
.modal-progress-step {
  height: 4px;
  flex: 1;
  background: var(--color-border);
  border-radius: var(--radius-full);
  transition: background 0.3s;
}
.modal-progress-step.active { background: var(--color-primary); }
.modal-progress-step.done   { background: var(--color-primary); opacity: 0.4; }

/* Step label */
.modal-step-label {
  font-size: var(--text-xs);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-primary);
  margin-bottom: var(--space-2);
}
.modal h2 {
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}
.modal p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-6);
}

/* Option buttons (step 1 & 3) */
.modal-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}
.modal-option {
  border: 2px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-3);
  background: var(--color-bg);
  cursor: pointer;
  text-align: center;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  transition: border-color 0.2s, background 0.2s, color 0.2s;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
}
.modal-option:hover { border-color: var(--color-primary); background: var(--color-teal-highlight); }
.modal-option.selected { border-color: var(--color-primary); background: var(--color-teal-highlight); color: var(--color-primary); }
.modal-option svg { opacity: 0.7; }
.modal-option.selected svg { opacity: 1; }

/* Inputs (step 2 & 4) */
.modal-fields { display: flex; flex-direction: column; gap: var(--space-4); margin-bottom: var(--space-6); }
.modal-field label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-1);
}
.modal-field input, .modal-field select {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  font-family: inherit;
  color: var(--color-text);
  background: var(--color-bg);
  transition: border-color 0.2s;
  box-sizing: border-box;
}
.modal-field input:focus, .modal-field select:focus {
  outline: none;
  border-color: var(--color-primary);
}

/* Nav buttons */
.modal-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-3);
}
.modal-back {
  background: none;
  border: none;
  color: var(--color-text-muted);
  font-size: var(--text-sm);
  font-weight: 600;
  cursor: pointer;
  padding: var(--space-2) 0;
  display: flex;
  align-items: center;
  gap: var(--space-1);
}
.modal-back:hover { color: var(--color-text); }

/* Success state */
.modal-success {
  text-align: center;
  padding: var(--space-6) 0;
  display: none;
}
.modal-success-icon {
  width: 64px;
  height: 64px;
  background: var(--color-teal-highlight);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-6);
  color: var(--color-primary);
}
.modal-success h2 { font-size: var(--text-xl); margin-bottom: var(--space-2); }
.modal-success p  { font-size: var(--text-sm); }

@media (max-width: 500px) {
  .modal { padding: var(--space-6); }
  .modal-options { grid-template-columns: 1fr; }
}

/* ── Loan Officer Cards ───────────────────────────────── */
.lo-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: var(--space-8) var(--space-6);
  background: var(--color-surface);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-xl);
  text-decoration: none;
  transition: border-color .2s, box-shadow .2s, transform .15s;
  gap: var(--space-2);
}
.lo-card:hover {
  border-color: var(--color-primary);
  box-shadow: 0 8px 32px rgba(37,83,98,.15);
  transform: translateY(-3px);
}
.lo-avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  font-weight: 800;
  font-size: var(--text-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-2);
  flex-shrink: 0;
}
.lo-name {
  font-weight: 700;
  font-size: var(--text-md);
  color: var(--color-text);
  line-height: 1.3;
}
.lo-nmls {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}
.lo-cta {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: var(--space-3);
  font-size: var(--text-sm);
  font-weight: 700;
  color: #e07820;
}