/* =========================================================
   Jiyan Vyas | Independent Mortgage Broker
   Core stylesheet
   ========================================================= */

:root{
  /* Brand colors */
  --navy:        #0B2C5D;
  --navy-dark:   #08234A;
  --navy-darker: #041125;
  --blue:        #1E4FA3;
  --blue-light:  #E8EDF5;
  --gold:        #F2A93B;
  --gold-dark:   #C1872F;
  --gold-light:  #FDF6EB;
  --ink:         #16181C;
  --ink-soft:    #4D4D4D;
  --gray-50:     #FAFAFA;
  --gray-100:    #F2F2F2;
  --gray-200:    #E6E9EE;
  --gray-300:    #D9D9D9;
  --border:      rgba(2,2,2,0.12);
  --white:       #FFFFFF;

  /* Typography */
  --font-head: "Aleo", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Shape */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 18px;

  /* Motion */
  --ease: cubic-bezier(.25,.8,.25,1);
  --dur: .6s;

  /* Rate bar */
  --rate-bar-h: 36px;

  /* Shadow */
  --shadow-sm: 0 2px 10px rgba(8,35,74,.06);
  --shadow-md: 0 10px 30px rgba(8,35,74,.10);
  --shadow-lg: 0 20px 50px rgba(8,35,74,.16);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth; scroll-padding-top:calc(88px + var(--rate-bar-h));}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  line-height:1.6;
  overflow-x:hidden;
}
img{max-width:100%; display:block;}
a{color:inherit; text-decoration:none;}
ul{margin:0; padding:0; list-style:none;}
button{font-family:inherit; cursor:pointer;}
h1,h2,h3,h4,h5,h6{
  font-family:var(--font-head);
  font-weight:600;
  line-height:1.15;
  margin:0 0 .5em;
  color:var(--navy-darker);
  letter-spacing:-.01em;
}
p{margin:0 0 1em;}
.container{
  width:100%;
  max-width:1240px;
  margin:0 auto;
  padding:0 24px;
}
section{position:relative;}
.section-pad{padding:88px 0;}
@media (max-width:900px){ .section-pad{padding:60px 0;} }

/* ---------- Utility ---------- */
.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-size:13px; font-weight:700; letter-spacing:.08em; text-transform:uppercase;
  color:var(--gold-dark); margin-bottom:14px;
}
.eyebrow::before{content:""; width:22px; height:2px; background:var(--gold); display:inline-block;}
.text-center{text-align:center;}
.max-w{max-width:680px; margin-left:auto; margin-right:auto;}
.lead{font-size:19px; color:var(--ink-soft);}
.grid-2{display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center;}
@media (max-width:900px){ .grid-2{grid-template-columns:1fr; gap:36px;} }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-family:var(--font-body); font-weight:600; font-size:15.5px;
  padding:15px 28px; border-radius:var(--radius-sm);
  border:1.5px solid transparent; cursor:pointer;
  transition:transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  white-space:nowrap;
}
.btn:active{transform:translateY(1px) scale(.99);}
.btn-gold{ background:var(--gold); color:var(--navy-darker); box-shadow:0 6px 18px rgba(242,169,59,.35);}
.btn-gold:hover{ background:var(--gold-dark); box-shadow:0 10px 24px rgba(242,169,59,.45); transform:translateY(-2px);}
.btn-navy{ background:var(--navy); color:var(--white); }
.btn-navy:hover{ background:var(--navy-dark); transform:translateY(-2px); box-shadow:var(--shadow-md);}
.btn-outline{ background:transparent; color:var(--white); border-color:rgba(255,255,255,.55); }
.btn-outline:hover{ background:rgba(255,255,255,.12); border-color:#fff;}
.btn-outline-navy{ background:transparent; color:var(--navy); border-color:var(--navy); }
.btn-outline-navy:hover{ background:var(--navy); color:#fff;}
.btn-block{width:100%;}
.btn-sm{padding:11px 18px; font-size:14px;}
.btn svg{width:18px; height:18px; flex-shrink:0;}

/* ---------- Header ---------- */
/* ---------- Rate bar ---------- */
.rate-bar{
  position:fixed; top:0; left:0; right:0; z-index:1001;
  height:var(--rate-bar-h);
  background:var(--navy-darker);
  border-bottom:1px solid rgba(255,255,255,.08);
  overflow:hidden;
}
.rate-bar-inner{ height:100%; display:flex; align-items:center; justify-content:center; }
.rate-badge{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-body); font-size:12.5px; font-weight:600;
  color:rgba(255,255,255,.9); white-space:nowrap;
  opacity:0; transform:translateY(2px);
  transition:opacity .45s var(--ease), transform .45s var(--ease);
}
.rate-bar.is-ready .rate-badge{ opacity:1; transform:translateY(0); }
.rate-dot{
  width:7px; height:7px; border-radius:50%; background:var(--gold); flex:none;
  animation:rateDotPulse 2.4s ease-in-out infinite;
}
@keyframes rateDotPulse{
  0%{ box-shadow:0 0 0 0 rgba(242,169,59,.55); }
  70%{ box-shadow:0 0 0 6px rgba(242,169,59,0); }
  100%{ box-shadow:0 0 0 0 rgba(242,169,59,0); }
}
.rate-label{ color:rgba(255,255,255,.62); text-transform:uppercase; font-size:10.5px; letter-spacing:.1em; font-weight:700; }
.rate-label .short{ display:none; }
.rate-value{ color:var(--gold); font-weight:700; font-size:13.5px; }
.rate-date{ color:rgba(255,255,255,.42); font-size:11.5px; font-weight:500; }
.rate-badge:hover .rate-value{ color:var(--gold-light); }
@media (max-width:600px){
  .rate-badge{ font-size:12px; gap:6px; }
  .rate-label .full{ display:none; }
  .rate-label .short{ display:inline; }
}
@media (max-width:400px){
  .rate-date{ display:none; }
}

.header{
  position:fixed; top:var(--rate-bar-h); left:0; right:0; z-index:1000;
  background:rgba(255,255,255,.95);
  backdrop-filter:blur(10px); -webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid rgba(2,2,2,.07);
  transition:box-shadow .3s var(--ease), background .3s var(--ease), top .3s var(--ease);
}
.header.scrolled{ box-shadow:0 4px 20px rgba(8,35,74,.08); }
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  height:82px;
}
.logo{ display:flex; flex-direction:column; align-items:flex-start; line-height:1; gap:3px; }
.logo .name{ font-family:var(--font-head); font-weight:700; font-size:22px; color:var(--navy-darker); }
.logo .tag{ font-family:var(--font-body); font-weight:700; font-size:10.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--gold-dark); }
.logo-img-header{ height:65px; width:auto; display:block; filter:drop-shadow(0 3px 4px rgba(4,17,37,.22)) drop-shadow(0 1px 2px rgba(4,17,37,.16)); }
.logo-img-footer{ height:68px; width:auto; display:block; }
@media (max-width:480px){ .logo-img-header{ height:53px; } }

.nav-desktop{ display:flex; align-items:center; gap:38px; }
.nav-desktop a{ font-size:15px; font-weight:600; color:var(--ink); position:relative; padding:6px 0; }
.nav-desktop a::after{
  content:""; position:absolute; left:0; bottom:0; height:2px; width:0; background:var(--gold);
  transition:width .25s var(--ease);
}
.nav-desktop a:hover::after, .nav-desktop a.active::after{ width:100%; }
.nav-desktop a.active{ color:var(--navy-darker); }

.header-actions{ display:flex; align-items:center; gap:12px; }
.call-pill{
  display:flex; align-items:center; gap:9px;
  border:1.5px solid var(--border); border-radius:100px;
  padding:9px 16px; font-weight:700; font-size:14.5px; color:var(--navy-darker);
  transition:border-color .25s, background .25s;
}
.call-pill svg{width:17px; height:17px; color:var(--gold-dark);}
.call-pill:hover{ border-color:var(--gold); background:var(--gold-light); }

.menu-toggle{
  display:none; width:44px; height:44px; min-width:44px; flex-shrink:0;
  border:none; background:transparent; padding:0; margin:0; line-height:0;
  -webkit-appearance:none; appearance:none; -webkit-tap-highlight-color:transparent;
  flex-direction:column; align-items:center; justify-content:center; gap:5px;
  position:relative; z-index:1001; touch-action:manipulation;
}
.menu-toggle span{ display:block; width:24px; height:2px; background:var(--navy-darker); transition:.3s var(--ease); border-radius:2px; flex-shrink:0;}
.menu-toggle.open span:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2){ opacity:0; }
.menu-toggle.open span:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }

.mobile-nav{
  position:fixed; inset:calc(82px + var(--rate-bar-h)) 0 0 0; background:#fff; z-index:999;
  transform:translateX(100%); transition:transform .35s var(--ease);
  overflow-y:auto; padding:20px 24px 40px;
}
.mobile-nav.open{ transform:translateX(0); }
.mobile-nav a{
  display:block; padding:16px 4px; font-size:19px; font-weight:700;
  border-bottom:1px solid var(--border); color:var(--navy-darker);
}
.mobile-nav .mobile-actions{ margin-top:24px; display:flex; flex-direction:column; gap:12px; }

@media (max-width:980px){
  .nav-desktop{ display:none; }
  .menu-toggle{ display:flex; }
  .header-actions .btn-gold-desktop{ display:none; }
}
@media (min-width:981px){ .mobile-nav{ display:none; } }

/* ---------- Hero ---------- */
.hero{
  position:relative;
  padding:168px 0 100px;
  background:linear-gradient(155deg, var(--navy-darker) 0%, var(--navy) 55%, var(--blue) 100%);
  overflow:hidden;
}
.hero::before{
  content:""; position:absolute; inset:0;
  background-image:radial-gradient(circle at 1px 1px, rgba(255,255,255,.09) 1px, transparent 1px);
  background-size:26px 26px;
  opacity:.5;
}
.hero::after{
  content:""; position:absolute; width:640px; height:640px; border-radius:50%;
  background:radial-gradient(circle, rgba(242,169,59,.20) 0%, transparent 70%);
  top:-220px; right:-160px; pointer-events:none;
}
.hero-grid{
  position:relative; z-index:2; display:grid; grid-template-columns:1.15fr .95fr; gap:56px; align-items:center;
}
@media (max-width:980px){ .hero-grid{ grid-template-columns:1fr; gap:44px; } }
.hero-badge{
  display:inline-flex; align-items:center; gap:8px;
  background:rgba(255,255,255,.1); border:1px solid rgba(255,255,255,.22);
  color:#fff; padding:8px 16px; border-radius:100px; font-size:13px; font-weight:700;
  letter-spacing:.03em; margin-bottom:22px;
}
.hero-badge svg{width:15px;height:15px;color:var(--gold);}
.hero h1{ color:#fff; font-size:56px; margin-bottom:20px; }
.hero h1 span{ color:var(--gold); }
.hero p.lead{ color:rgba(255,255,255,.82); font-size:19px; max-width:560px; }
.hero-ctas{ display:flex; gap:14px; margin-top:32px; flex-wrap:wrap; }
.hero-trustline{
  display:flex; align-items:center; gap:10px; margin-top:36px; color:rgba(255,255,255,.7); font-size:13.5px; font-weight:600;
}
.hero-trustline svg{width:16px;height:16px;color:var(--gold);}

.hero-media{ position:relative; }
.hero-media .frame{
  position:relative; border-radius:var(--radius-lg); overflow:hidden;
  box-shadow:var(--shadow-lg); border:6px solid rgba(255,255,255,.12);
}
.hero-media img{ width:100%; height:340px; object-fit:cover; }
.hero-card{
  position:absolute; bottom:-26px; left:-26px;
  background:#fff; border-radius:var(--radius-md); padding:18px 20px;
  box-shadow:var(--shadow-lg); display:flex; align-items:center; gap:14px;
  max-width:250px;
}
@media (max-width:980px){ .hero-card{ left:16px; } }
.hero-card .ic{
  width:44px; height:44px; border-radius:10px; background:var(--gold-light);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.hero-card .ic svg{ width:22px; height:22px; color:var(--gold-dark); }
.hero-card strong{ display:block; font-size:15px; color:var(--navy-darker); }
.hero-card span{ font-size:12.5px; color:var(--ink-soft); }

/* ---------- Trust bar ---------- */
.trustbar{ background:var(--white); border-bottom:1px solid var(--border); padding:34px 0; }
.trustbar-grid{
  display:grid; grid-template-columns:repeat(5,1fr); gap:22px;
}
@media (max-width:980px){ .trustbar-grid{ grid-template-columns:repeat(2,1fr); } }
.trust-item{ display:flex; flex-direction:column; align-items:center; text-align:center; gap:10px; }
.trust-item .ic{
  width:46px; height:46px; border-radius:50%; background:var(--gold-light);
  display:flex; align-items:center; justify-content:center;
}
.trust-item .ic svg{ width:22px; height:22px; color:var(--gold-dark); }
.trust-item span{ font-size:13.5px; font-weight:700; color:var(--navy-darker); }

/* ---------- Section headers ---------- */
.sec-head{ max-width:640px; margin:0 0 52px; }
.sec-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.sec-head h2{ font-size:38px; }
@media (max-width:640px){ .sec-head h2{ font-size:30px; } }

/* ---------- Services ---------- */
.bg-alt{ background:var(--gray-100); }
.services-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
@media (max-width:980px){ .services-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:640px){ .services-grid{ grid-template-columns:1fr; } }
.service-card{
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg);
  padding:34px 28px; transition:transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.service-card:hover{ transform:translateY(-6px); box-shadow:var(--shadow-md); border-color:transparent; }
.service-card .ic{
  width:54px; height:54px; border-radius:14px; background:var(--navy);
  display:flex; align-items:center; justify-content:center; margin-bottom:20px;
  transition:background .35s var(--ease);
}
.service-card:hover .ic{ background:var(--gold); }
.service-card .ic svg{ width:26px; height:26px; color:#fff; transition:color .35s;}
.service-card:hover .ic svg{ color:var(--navy-darker); }
.service-card h3{ font-size:20px; margin-bottom:10px; }
.service-card p{ color:var(--ink-soft); font-size:15px; margin-bottom:16px; }
.service-card .link{ font-size:14px; font-weight:700; color:var(--navy); display:inline-flex; align-items:center; gap:6px; }
.service-card .link svg{ width:15px; height:15px; transition:transform .25s var(--ease); }
.service-card:hover .link svg{ transform:translateX(4px); }

/* Compact first-time home buyer toggle, shown inline on the Purchases service card */
.mini-toggle{ margin-bottom:18px; }
.mini-toggle-label{ display:block; font-size:12px; font-weight:700; color:var(--navy-darker); margin-bottom:8px; }
.segmented-sm{ gap:8px; }
.segmented-sm .segmented-option span{ padding:8px 10px; font-size:13px; border-radius:8px; }

/* Escape the .service-card + p bottom-margin so the toggle sits snug under the copy */
.service-card p + .mini-toggle{ margin-top:-6px; }

/* ---------- Benefits ---------- */
.benefits-list{ display:flex; flex-direction:column; gap:26px; margin-top:8px; }
.benefit-row{ display:flex; gap:18px; align-items:flex-start; }
.benefit-row .ic{
  width:48px; height:48px; border-radius:12px; background:rgba(255,255,255,.14);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.benefit-row .ic svg{ width:23px; height:23px; color:var(--gold); }
.benefit-row h4{ font-size:17px; margin-bottom:4px; }
.benefit-row p{ font-size:14.5px; margin-bottom:0; }

.section-navy{ background:linear-gradient(160deg,var(--navy-darker),var(--navy) 70%); color:#fff; }
.section-navy h2, .section-navy h3, .section-navy h4{ color:#fff; }
.section-navy p{ color:rgba(255,255,255,.78); }
.section-navy .eyebrow{ color:var(--gold); }
.section-navy .eyebrow::before{ background:var(--gold); }

.media-frame{ border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-lg); }
.media-frame img{ width:100%; height:100%; object-fit:cover; }

/* ---------- Stats ---------- */
.stats-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:center; }
@media (max-width:768px){ .stats-grid{ grid-template-columns:repeat(2,1fr); } }
.stat-box .num{ font-family:var(--font-head); font-size:44px; font-weight:700; color:var(--gold); }
.stat-box .label{ font-size:13.5px; font-weight:600; color:rgba(255,255,255,.75); margin-top:4px; }

/* ---------- How it works ---------- */
.steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:26px; counter-reset:step; }
@media (max-width:900px){ .steps{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .steps{ grid-template-columns:1fr; } }
.step{ position:relative; padding:30px 24px 24px; background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg); }
.step .step-num{
  width:38px; height:38px; border-radius:50%; background:var(--navy); color:#fff;
  display:flex; align-items:center; justify-content:center; font-family:var(--font-head); font-weight:700; font-size:16px;
  margin-bottom:16px;
}
.step h4{ font-size:16.5px; margin-bottom:8px; }
.step p{ font-size:14px; color:var(--ink-soft); margin-bottom:0; }

/* ---------- Testimonials ---------- */
.testi-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
@media (max-width:900px){ .testi-grid{ grid-template-columns:1fr; } }
.testi-card{ background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.14); border-radius:var(--radius-lg); padding:28px; backdrop-filter:blur(4px); }
.testi-card .stars{ display:flex; gap:3px; margin-bottom:14px; }
.testi-card .stars svg{ width:16px; height:16px; color:var(--gold); }
.testi-card p{ font-size:15px; color:rgba(255,255,255,.88); }
.testi-who{ display:flex; align-items:center; gap:12px; margin-top:16px; }
.testi-avatar{
  width:42px; height:42px; border-radius:50%; background:var(--gold);
  display:flex; align-items:center; justify-content:center; font-weight:700; color:var(--navy-darker); font-size:14px; flex-shrink:0;
}
.testi-who strong{ display:block; font-size:14px; color:#fff; }
.testi-who span{ font-size:12.5px; color:rgba(255,255,255,.6); }

/* ---------- CTA banner ---------- */
.cta-banner{ background:linear-gradient(120deg,var(--navy-darker),var(--blue)); color:#fff; padding:64px 0; position:relative; overflow:hidden; }
.cta-banner::after{ content:""; position:absolute; width:420px; height:420px; border-radius:50%; background:radial-gradient(circle, rgba(242,169,59,.22), transparent 70%); right:-120px; top:-140px; }
.cta-inner{ position:relative; z-index:2; display:flex; align-items:center; justify-content:space-between; gap:30px; flex-wrap:wrap; }
.cta-inner h3{ color:#fff; font-size:30px; margin-bottom:8px; }
.cta-inner p{ color:rgba(255,255,255,.78); margin-bottom:0; }
.cta-actions{ display:flex; gap:14px; flex-wrap:wrap; }

/* ---------- FAQ ---------- */
.faq-list{ max-width:820px; margin:0 auto; display:flex; flex-direction:column; gap:14px; }
.faq-item{ border:1px solid var(--border); border-radius:var(--radius-md); background:#fff; overflow:hidden; }
.faq-q{
  width:100%; display:flex; align-items:center; justify-content:space-between; gap:16px;
  padding:20px 24px; background:none; border:none; text-align:left;
  font-family:var(--font-head); font-weight:600; font-size:17px; color:var(--navy-darker);
}
.faq-q .plus{
  width:26px; height:26px; border-radius:50%; border:1.5px solid var(--border); flex-shrink:0;
  display:flex; align-items:center; justify-content:center; position:relative; transition:transform .3s var(--ease), background .3s;
}
.faq-q .plus::before, .faq-q .plus::after{ content:""; position:absolute; background:var(--navy); transition:.3s var(--ease); }
.faq-q .plus::before{ width:11px; height:1.6px; }
.faq-q .plus::after{ width:1.6px; height:11px; }
.faq-item.open .faq-q .plus{ transform:rotate(180deg); background:var(--gold); border-color:var(--gold); }
.faq-item.open .faq-q .plus::after{ height:0; }
.faq-a{ max-height:0; overflow:hidden; transition:max-height .4s var(--ease); }
.faq-a-inner{ padding:0 24px 22px; color:var(--ink-soft); font-size:15px; }
.faq-item.open .faq-a{ max-height:400px; }

/* ---------- Form ---------- */
.form-wrap{
  background:#fff; border-radius:var(--radius-lg); box-shadow:var(--shadow-lg);
  padding:40px; border:1px solid var(--border);
}
@media (max-width:640px){ .form-wrap{ padding:26px 20px; } }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; }
@media (max-width:640px){ .form-row{ grid-template-columns:1fr; } }
.field{ margin-bottom:18px; border-radius:var(--radius-sm); transition:background .3s var(--ease), box-shadow .3s var(--ease); }
.field-highlight{ background:var(--gold-light); box-shadow:0 0 0 2px var(--gold); padding:10px; margin:-10px -10px 8px; }
.field label{ display:block; font-size:13.5px; font-weight:700; color:var(--navy-darker); margin-bottom:7px; }
.field label .opt{ font-weight:500; color:var(--ink-soft); text-transform:none; }
.field input, .field select, .field textarea{
  width:100%; padding:13px 15px; border:1.5px solid var(--border); border-radius:var(--radius-sm);
  font-family:var(--font-body); font-size:15px; color:var(--ink); background:var(--gray-50);
  transition:border-color .25s, background .25s, box-shadow .25s;
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline:none; border-color:var(--gold); background:#fff; box-shadow:0 0 0 4px rgba(242,169,59,.15);
}
.field textarea{ resize:vertical; min-height:110px; }
.field[hidden]{ display:none !important; }

/* Segmented Yes/No toggle (first-time home buyer question) */
.segmented{ display:flex; gap:10px; }
.segmented-option{ position:relative; flex:1; }
.segmented-option input{
  position:absolute; inset:0; width:100%; height:100%; margin:0; opacity:0; cursor:pointer;
}
.segmented-option span{
  display:flex; align-items:center; justify-content:center; padding:12px 16px;
  border:1.5px solid var(--border); border-radius:var(--radius-sm); background:var(--gray-50);
  font-weight:700; font-size:14.5px; color:var(--ink-soft); transition:all .2s var(--ease);
}
.segmented-option input:checked + span{
  border-color:var(--gold); background:var(--gold-light); color:var(--gold-dark);
}
.segmented-option input:focus-visible + span{ outline:2px solid var(--gold); outline-offset:2px; }

.form-note{ display:flex; align-items:center; gap:8px; font-size:13px; color:var(--ink-soft); margin-top:16px; }
.form-note svg{ width:16px; height:16px; color:var(--gold-dark); flex-shrink:0; }
.form-error{ display:none; align-items:center; gap:8px; font-size:13.5px; font-weight:600; color:#B3261E; margin-top:14px; text-align:center; }
.form-error.show{ display:flex; justify-content:center; }
.btn[disabled]{ opacity:.65; cursor:not-allowed; transform:none !important; }
.form-success{ display:none; text-align:center; padding:30px 10px; }
.form-success.show{ display:block; }
.form-success .ic{ width:60px; height:60px; border-radius:50%; background:var(--gold-light); display:flex; align-items:center; justify-content:center; margin:0 auto 16px; }
.form-success .ic svg{ width:28px; height:28px; color:var(--gold-dark); }

.contact-info-list{ display:flex; flex-direction:column; gap:20px; }
.contact-info-item{ display:flex; gap:16px; align-items:flex-start; }
.contact-info-item .ic{ width:46px; height:46px; border-radius:12px; background:var(--navy); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.contact-info-item .ic svg{ width:21px; height:21px; color:var(--gold); }
.contact-info-item strong{ display:block; font-size:15.5px; color:var(--navy-darker); margin-bottom:2px; }
.contact-info-item span, .contact-info-item a{ font-size:14.5px; color:var(--ink-soft); }
.contact-info-item a:hover{ color:var(--navy); }

/* ---------- About / team ---------- */
.avatar-lg{
  position:relative; width:150px; height:150px; border-radius:50%; background:linear-gradient(150deg,var(--navy),var(--blue));
  color:#fff; font-family:var(--font-head);
  font-size:52px; font-weight:700; box-shadow:var(--shadow-lg); border:6px solid #fff; flex-shrink:0;
  overflow:hidden;
  /* Safari can fail to clip a child to border-radius when the clipping parent is also a flex
     container with overflow:hidden — that combination is what caused the square photo to
     "escape" the circle. Forcing a mask fixes the clip reliably in every engine. */
  -webkit-mask-image:-webkit-radial-gradient(circle, #fff 100%, #000 100%);
  mask-image:radial-gradient(circle, #fff 100%, #000 100%);
}
.avatar-lg img{
  position:absolute; inset:0; width:100%; height:100%; object-fit:cover; border-radius:50%; display:block;
}
.license-badge{
  display:inline-flex; align-items:center; gap:8px; background:var(--gold-light); color:var(--gold-dark);
  padding:8px 16px; border-radius:100px; font-size:13px; font-weight:700;
}
.license-badge svg{ width:15px; height:15px; }

/* ---------- Who We Work With / Partners (horizontal license-card marquee) ---------- */
.partner-marquee{
  overflow:hidden;
  cursor:grab;
  touch-action:pan-y;
  -webkit-user-select:none; user-select:none;
  -webkit-mask-image:linear-gradient(90deg, transparent 0, #000 6%, #000 94%, transparent 100%);
  mask-image:linear-gradient(90deg, transparent 0, #000 6%, #000 94%, transparent 100%);
  margin:0 -1px; /* let the mask fade reach the container edges */
}
.partner-marquee.dragging{ cursor:grabbing; }
.partner-marquee.dragging .partner-card{ pointer-events:none; } /* stop hover/link jitter while dragging */

.partner-track{
  display:flex;
  gap:26px;
  width:max-content;
  will-change:transform;
  padding:6px 0 14px; /* room for the hover lift + shadow */
}

.partner-card{
  flex:0 0 auto;
  width:460px;
  display:flex;
  align-items:center;
  gap:20px;
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg);
  overflow:hidden; transition:transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
  position:relative;
  padding:20px 24px 20px 20px;
}
.partner-marquee:not(.dragging) .partner-card:hover{ transform:translateY(-6px); box-shadow:var(--shadow-md); border-color:transparent; }

/* gold "magnetic stripe" along the top edge, like a licence / membership card */
.partner-card::before{
  content:""; position:absolute; top:0; left:0; right:0; height:5px;
  background:linear-gradient(90deg,var(--gold),var(--gold-dark));
}

/* square, ID-photo style headshot -- sized so the whole face sits inside the frame */
.partner-photo{
  width:128px; height:128px; flex-shrink:0; align-self:flex-start; margin-top:6px;
  background:var(--gray-100); overflow:hidden; border-radius:12px; border:1px solid var(--border);
}
.partner-photo img{ width:100%; height:100%; object-fit:cover; object-position:center 15%; display:block; }

.partner-card-body{ flex:1; min-width:0; padding:0; display:flex; flex-direction:column; }
.partner-card-top{ display:flex; align-items:flex-start; justify-content:space-between; gap:10px; }
.partner-seal{ width:26px; height:26px; flex-shrink:0; color:var(--gold-light); stroke:var(--gold); opacity:.9; }
.partner-role{ color:var(--gold-dark); font-weight:700; font-size:12px; text-transform:uppercase; letter-spacing:.05em; margin-bottom:4px; }
.partner-name{ font-size:21px; margin-bottom:2px; color:var(--navy-darker); line-height:1.15; }
.partner-brokerage{ color:var(--ink-soft); font-size:13.5px; margin-bottom:10px; }

.partner-region{
  display:inline-flex; align-items:center; gap:6px; color:var(--ink-soft);
  font-size:12.5px; font-weight:500; margin-bottom:10px;
}
.partner-region svg{ width:14px; height:14px; flex-shrink:0; color:var(--ink-soft); }

.partner-card p.desc{
  color:var(--ink-soft); font-size:13.5px; line-height:1.55; margin-bottom:0;
}

.partner-divider{ height:1px; background:var(--border); margin:14px 0 14px; margin-top:auto; }

.partner-footer{ display:flex; align-items:center; justify-content:flex-end; flex-wrap:wrap; gap:12px; }
.partner-contact{ display:flex; align-items:center; gap:8px; margin-right:auto; }
.partner-contact a{
  display:flex; align-items:center; justify-content:center; width:32px; height:32px;
  border-radius:50%; background:var(--gold-light); color:var(--gold-dark); flex-shrink:0;
  transition:background .25s var(--ease), color .25s var(--ease);
}
.partner-contact a svg{ width:14px; height:14px; flex-shrink:0; }
.partner-contact a:hover{ background:var(--gold); color:#fff; }

.partner-link{
  display:inline-flex; align-items:center; gap:6px; font-size:13.5px; font-weight:700;
  color:var(--gold-dark); white-space:nowrap;
}
.partner-link svg{ width:13px; height:13px; flex-shrink:0; }
.partner-link:hover{ color:var(--navy); }

@media (max-width:640px){
  .partner-card{ width:320px; align-items:flex-start; padding:20px; gap:16px; }
  .partner-photo{ width:96px; height:96px; }
  .partner-name{ font-size:18px; }
}

@media (prefers-reduced-motion:reduce){
  .partner-track{ transform:none !important; }
}

/* ---------- Trusted Business Associate (single spotlight, license-card styling) ---------- */
.associate-card{
  display:flex; gap:34px; align-items:flex-start;
  background:#fff; border:1px solid var(--border); border-radius:var(--radius-lg);
  padding:34px 38px; position:relative; overflow:hidden;
  box-shadow:var(--shadow-md);
}
.associate-card::before{
  content:""; position:absolute; top:0; left:0; right:0; height:5px;
  background:linear-gradient(90deg,var(--gold),var(--gold-dark));
}
.associate-photo{
  width:168px; height:168px; flex-shrink:0; border-radius:14px; overflow:hidden;
  background:var(--gray-100); border:1px solid var(--border);
}
.associate-photo img{ width:100%; height:100%; object-fit:cover; object-position:center 18%; display:block; }
.associate-body{ flex:1; min-width:0; }
.associate-body .desc{ color:var(--ink-soft); font-size:14.5px; line-height:1.65; margin-top:2px; }

.associate-note{
  display:flex; align-items:flex-start; gap:12px; margin-top:18px; padding:14px 16px;
  background:var(--gold-light); border-radius:var(--radius-sm); border:1px solid rgba(242,169,59,.3);
}
.associate-note svg{ width:20px; height:20px; flex-shrink:0; color:var(--gold-dark); margin-top:1px; }
.associate-note p{ font-size:13.5px; line-height:1.55; color:var(--navy-darker); font-weight:600; margin:0; }

.associate-contact-grid{ display:grid; grid-template-columns:repeat(auto-fit,minmax(150px,1fr)); gap:12px; align-items:stretch; }
.associate-contact-item{
  display:flex; align-items:flex-start; gap:10px; padding:12px 14px;
  border:1.5px solid var(--border); border-radius:var(--radius-sm); transition:border-color .25s var(--ease), background .25s var(--ease);
  text-align:left; height:100%;
}
.associate-contact-item:hover{ border-color:var(--gold); background:var(--gold-light); }
.associate-contact-item .ic{
  width:34px; height:34px; border-radius:50%; background:var(--gold-light); color:var(--gold-dark);
  display:flex; align-items:center; justify-content:center; flex-shrink:0;
}
.associate-contact-item .ic svg{ width:16px; height:16px; }
.associate-contact-item > span{ text-align:left; min-width:0; }
.associate-contact-item strong{ display:block; font-size:11.5px; font-weight:700; text-transform:uppercase; letter-spacing:.04em; color:var(--navy-darker); }
.associate-contact-item em{ display:block; font-style:normal; font-size:13px; color:var(--ink-soft); margin-top:1px; word-break:break-word; }

@media (max-width:760px){
  .associate-card{ flex-direction:column; align-items:center; text-align:center; padding:28px 22px; }
  .associate-photo{ width:140px; height:140px; }
  .partner-card-top{ flex-direction:column; align-items:center; gap:6px; }
  .partner-region{ justify-content:center; }
  .associate-contact-grid{ grid-template-columns:1fr; width:100%; }
  .associate-contact-item{ justify-content:flex-start; align-items:center; text-align:left; }
  .associate-contact-item > span{ text-align:left; }
}

/* 8Twelve logo badge */
.brand-badge{
  display:flex; align-items:center; justify-content:center; background:#fff;
  border-radius:var(--radius-lg); padding:30px 36px; box-shadow:var(--shadow-lg);
}
.brand-badge-logo{ width:100%; max-width:260px; height:auto; }

/* ---------- Lender category chips ---------- */
.lender-chips{ display:flex; flex-wrap:wrap; gap:8px; margin-top:14px; }
.lender-chips span{
  display:inline-flex; align-items:center; background:var(--blue-light); color:var(--navy-darker);
  padding:6px 14px; border-radius:100px; font-size:12.5px; font-weight:600;
}
.section-navy .lender-chips span{ background:rgba(255,255,255,.1); color:#fff; }

/* ---------- Page header (inner pages) ---------- */
.page-header{
  position:relative; padding:150px 0 74px;
  background:linear-gradient(160deg,var(--navy-darker),var(--navy) 65%, var(--blue));
  color:#fff; overflow:hidden;
}
.page-header::before{
  content:""; position:absolute; inset:0;
  background-image:radial-gradient(circle at 1px 1px, rgba(255,255,255,.09) 1px, transparent 1px);
  background-size:26px 26px; opacity:.5;
}
.page-header .inner{ position:relative; z-index:2; max-width:700px; }
.page-header h1{ color:#fff; font-size:46px; margin-bottom:14px; }
.page-header p{ color:rgba(255,255,255,.82); font-size:18px; margin-bottom:0; }
.breadcrumb{ display:flex; gap:8px; align-items:center; font-size:13.5px; color:rgba(255,255,255,.65); margin-bottom:18px; }
.breadcrumb a:hover{ color:#fff; }

/* ---------- Footer ---------- */
.footer{ background:var(--navy-darker); color:rgba(255,255,255,.72); padding:64px 0 26px; }
.footer-grid{ display:grid; grid-template-columns:1.6fr 1fr 1fr 1.2fr; gap:40px; margin-bottom:46px; }
@media (max-width:900px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:560px){ .footer-grid{ grid-template-columns:1fr; } }
.footer .logo .name{ color:#fff; }
.footer p{ font-size:14.5px; }
.footer h5{ color:#fff; font-size:14px; text-transform:uppercase; letter-spacing:.06em; margin-bottom:18px; }
.footer ul{ display:flex; flex-direction:column; gap:11px; }
.footer a{ font-size:14.5px; }
.footer a:hover{ color:var(--gold); }
.footer-social{ display:flex; gap:10px; margin-top:18px; }
.footer-social a{ width:36px; height:36px; border-radius:50%; background:rgba(255,255,255,.08); display:flex; align-items:center; justify-content:center; }
.footer-social a:hover{ background:var(--gold); color:var(--navy-darker); }
.footer-social svg{ width:16px; height:16px; }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.12); padding-top:22px; display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; font-size:13px; }
.footer-bottom a:hover{ color:var(--gold); }

/* ---------- Scroll reveal ---------- */
.reveal{ opacity:0; transform:translateY(28px); transition:opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in{ opacity:1; transform:translateY(0); }
.reveal-stagger.in > *{ transition-delay:calc(var(--i,0) * 90ms); }

/* ---------- Back to top ---------- */
.to-top{
  position:fixed; bottom:26px; right:26px; width:48px; height:48px; border-radius:50%;
  background:var(--navy); color:#fff; display:flex; align-items:center; justify-content:center;
  box-shadow:var(--shadow-md); opacity:0; pointer-events:none; transform:translateY(12px);
  transition:opacity .3s, transform .3s, background .3s; z-index:900; border:none;
}
.to-top.show{ opacity:1; pointer-events:auto; transform:translateY(0); }
.to-top:hover{ background:var(--gold); color:var(--navy-darker); }
.to-top svg{ width:20px; height:20px; }

/* ---------- Sticky mobile CTA ---------- */
.mobile-sticky-cta{
  display:none; position:fixed; bottom:0; left:0; right:0; z-index:950;
  background:#fff; border-top:1px solid var(--border); padding:12px 16px;
  box-shadow:0 -6px 20px rgba(8,35,74,.10);
  transform:translateY(100%); transition:transform .3s var(--ease);
}
.mobile-sticky-cta.show{ transform:translateY(0); }
.mobile-sticky-cta .row{ display:flex; gap:10px; }
.mobile-sticky-cta .btn{ flex:1; padding:13px 10px; font-size:14px; }
@media (max-width:720px){ .mobile-sticky-cta{ display:block; } body{ padding-bottom:78px; } }

@media (max-width:560px){
  .hero h1{ font-size:38px; }
  .hero p.lead{ font-size:16.5px; }
  .cta-inner{ flex-direction:column; align-items:flex-start; }
  .page-header h1{ font-size:32px; }
}