/* ============================================================
   LoanTree LLC - Complete Stylesheet
   Multi-page mortgage company website
   ============================================================ */

/* ----------------------------------------------------------
   1. CSS VARIABLES
   ---------------------------------------------------------- */
:root {
  --blue-deep:   #1e4d8c;
  --blue-mid:    #2a6abf;
  --blue:        #3a7fd4;
  --blue-lt:     #5a9de0;
  --blue-sky:    #deeeff;
  --blue-pale:   #eaf4ff;
  --white:       #ffffff;
  --off-white:   #f7f9fc;
  --slate:       #5a6a80;
  --slate-lt:    #8a9ab0;
  --charcoal:    #1a2030;
  --border:      rgba(45,108,192,0.15);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Nunito Sans', sans-serif;
  background: var(--white);
  color: var(--charcoal);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* ----------------------------------------------------------
   2b. SKIP TO CONTENT (ADA/WCAG)
   ---------------------------------------------------------- */
.skip-to-content {
  position: absolute;
  left: -9999px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.skip-to-content:focus {
  position: fixed;
  top: 10px;
  left: 10px;
  width: auto;
  height: auto;
  padding: 12px 24px;
  background: var(--blue-deep);
  color: white;
  z-index: 9999;
  border-radius: 4px;
  text-decoration: none;
  font-weight: 700;
}

/* ----------------------------------------------------------
   3. TOPBAR
   ---------------------------------------------------------- */
.topbar {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 8px 5%;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 32px;
}

.topbar a {
  font-size: 12px;
  color: var(--slate);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: color .2s;
}

.topbar a:hover {
  color: var(--blue-deep);
}

/* ----------------------------------------------------------
   4. NAV
   ---------------------------------------------------------- */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 20px rgba(26,58,107,.08);
  padding: 0 5%;
  height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
}

.nav-logo img,
.nav-logo-svg {
  height: 54px;
  width: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.nav-links a {
  text-decoration: none;
  color: var(--blue-deep);
  font-size: 14px;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 7px;
  transition: all .2s;
}

.nav-links a:hover {
  background: var(--blue-sky);
  color: var(--blue-mid);
}

.nav-links .active {
  background: var(--blue);
  color: var(--white);
}

.nav-links .active:hover {
  background: var(--blue-mid);
  color: var(--white);
}

.nav-cta {
  background: var(--blue) !important;
  color: var(--white) !important;
  padding: 10px 24px !important;
  border-radius: 8px !important;
  font-weight: 700 !important;
}

.nav-cta:hover {
  background: var(--blue-mid) !important;
}

/* ----------------------------------------------------------
   5. HAMBURGER & MOBILE NAV
   ---------------------------------------------------------- */
.hamburger {
  display: none;
  width: 44px;
  height: 44px;
  background: none;
  border: none;
  cursor: pointer;
  position: relative;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  padding: 0;
  -webkit-tap-highlight-color: transparent;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--blue-deep);
  border-radius: 2px;
  transition: all .3s ease;
  transform-origin: center;
}

.hamburger.open span:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}

.hamburger.open span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.hamburger.open span:nth-child(3) {
  transform: translateY(-7.5px) rotate(-45deg);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: 78px;
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 12px 32px rgba(26,58,107,.12);
  padding: 24px 5% 16px;
  z-index: 99;
  transform: translateY(-10px);
  opacity: 0;
  transition: transform .3s ease, opacity .3s ease;
}

.mobile-menu.open {
  display: block;
  transform: translateY(0);
  opacity: 1;
}

.mobile-menu ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.mobile-menu a {
  display: block;
  text-decoration: none;
  color: var(--blue-deep);
  font-size: 16px;
  font-weight: 600;
  padding: 12px 16px;
  border-radius: 8px;
  transition: all .2s;
}

.mobile-menu a:hover {
  background: var(--blue-sky);
  color: var(--blue-mid);
}

.mobile-menu .active {
  background: var(--blue);
  color: var(--white);
}

.mobile-menu .nav-cta {
  display: block;
  text-align: center;
  margin-top: 8px;
  background: var(--blue) !important;
  color: var(--white) !important;
  padding: 14px 24px !important;
  border-radius: 10px !important;
  font-weight: 700 !important;
  box-shadow: 0 3px 12px rgba(45,108,192,.3);
}

/* ----------------------------------------------------------
   6. HERO
   ---------------------------------------------------------- */
.hero {
  background: var(--off-white);
  min-height: 80vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

/* .hero::before grid pattern removed */

/* .hero::after gradient blob removed */

.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
  padding: 60px 5%;
  display: grid;
  grid-template-columns: 1fr 420px;
  align-items: center;
  gap: 40px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(30,77,140,.08);
  border: 1px solid rgba(30,77,140,.2);
  border-radius: 24px;
  padding: 6px 16px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--blue-deep);
  margin-bottom: 24px;
}

.hero-badge-dot {
  width: 7px;
  height: 7px;
  background: var(--blue);
  border-radius: 50%;
}

.hero-h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(40px, 5vw, 68px);
  font-weight: 800;
  line-height: 1.08;
  color: var(--blue-deep);
  margin-bottom: 22px;
}

.hero-h1 em {
  font-style: italic;
  color: var(--blue);
}

.hero-sub {
  font-size: 17px;
  line-height: 1.75;
  color: var(--slate);
  max-width: 500px;
  margin-bottom: 40px;
}

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

.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 52px;
  padding-top: 40px;
  border-top: 1px solid var(--border);
}

.hs-val {
  font-family: 'Playfair Display', serif;
  font-size: 36px;
  font-weight: 700;
  color: var(--blue-deep);
  line-height: 1;
}

.hs-val span {
  color: var(--blue);
}

.hs-label {
  font-size: 12px;
  color: var(--slate-lt);
  margin-top: 5px;
  letter-spacing: .5px;
  text-transform: uppercase;
}

/* Buttons */
a.btn-white,
a.btn-outline-white,
a.btn-blue-full {
  text-decoration: none !important;
}

.btn-white {
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: 8px;
  padding: 15px 34px;
  font-family: 'Nunito Sans', sans-serif;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background .2s;
  text-decoration: none;
}

.btn-white:hover {
  background: var(--blue-mid);
}

.btn-outline-white {
  background: transparent;
  color: var(--blue-deep);
  border: 1.5px solid rgba(30,77,140,.25);
  border-radius: 8px;
  padding: 13px 28px;
  font-family: 'Nunito Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: border-color .2s, background .2s;
  text-decoration: none;
}

.btn-outline-white:hover {
  border-color: var(--blue);
  background: rgba(58,127,212,.05);
}

/* ----------------------------------------------------------
   7. HERO CARD (Calculator)
   ---------------------------------------------------------- */
.hero-card {
  background: var(--white);
  border-radius: 16px;
  border: 1.5px solid var(--border);
  box-shadow: 0 4px 24px rgba(26,58,107,.08);
  overflow: hidden;
  max-width: 420px;
}

.hc-header {
  background: var(--blue-deep);
  padding: 22px 28px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.hc-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(255,255,255,.1);
  display: flex;
  align-items: center;
  justify-content: center;
}

.hc-icon svg {
  width: 20px;
  height: 20px;
}

.hc-title {
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
}

.hc-sub {
  font-size: 12px;
  color: rgba(255,255,255,.5);
  margin-top: 2px;
}

.hc-body {
  padding: 28px;
}

.form-group {
  margin-bottom: 16px;
}

.form-label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 7px;
}

.form-control {
  width: 100%;
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 9px;
  padding: 11px 14px;
  color: var(--charcoal);
  font-family: 'Nunito Sans', sans-serif;
  font-size: 14px;
  transition: border-color .2s;
  outline: none;
  appearance: none;
}

.form-control:focus {
  border-color: var(--blue);
  background: var(--white);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.calc-result {
  background: var(--blue-sky);
  border: 1.5px solid rgba(45,108,192,.2);
  border-radius: 12px;
  padding: 16px 20px;
  margin: 18px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.cr-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--blue-mid);
}

.cr-val {
  font-family: 'Playfair Display', serif;
  font-size: 34px;
  font-weight: 700;
  color: var(--blue-deep);
}

.cr-rate {
  font-size: 11px;
  color: var(--slate-lt);
  margin-top: 2px;
}

.btn-blue-full {
  width: 100%;
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: 10px;
  padding: 14px;
  font-family: 'Nunito Sans', sans-serif;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: all .25s;
  text-decoration: none;
}

.btn-blue-full:hover {
  background: var(--blue-mid);
}

.hc-note {
  font-size: 11px;
  color: var(--slate-lt);
  text-align: center;
  margin-top: 10px;
}

/* 8. MARQUEE - removed for cleaner design */

/* ----------------------------------------------------------
   9. SECTIONS (shared)
   ---------------------------------------------------------- */
section {
  padding: 96px 5%;
}

.section-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 14px;
}

.section-eyebrow::before {
  content: '';
  width: 20px;
  height: 2px;
  background: var(--blue);
}

.section-h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(32px, 3.8vw, 50px);
  font-weight: 700;
  line-height: 1.12;
  color: var(--blue-deep);
  margin-bottom: 14px;
}

.section-h2 em {
  font-style: italic;
  color: var(--blue);
}

.section-lead {
  font-size: 16px;
  color: var(--slate);
  line-height: 1.75;
  max-width: 540px;
}

/* ----------------------------------------------------------
   10. PRODUCTS GRID
   ---------------------------------------------------------- */
.products-section {
  background: var(--off-white);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 56px;
}

.product-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 32px 28px;
  transition: border-color .2s, box-shadow .2s;
}

.product-card:hover {
  box-shadow: 0 4px 16px rgba(26,58,107,.08);
  border-color: var(--blue-lt);
}

.pc-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--blue-sky);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
  margin-bottom: 20px;
}

.pc-name {
  font-family: 'Playfair Display', serif;
  font-size: 21px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 10px;
}

.pc-desc {
  font-size: 13.5px;
  color: var(--slate);
  line-height: 1.65;
  margin-bottom: 22px;
}

.pc-rate {
  display: flex;
  align-items: baseline;
  gap: 4px;
  margin-bottom: 20px;
}

.pc-rate-num {
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--blue);
}

.pc-rate-suffix {
  font-size: 12px;
  color: var(--slate-lt);
}

.pc-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.pc-features li {
  font-size: 12.5px;
  color: var(--slate);
  display: flex;
  align-items: center;
  gap: 8px;
}

.pc-features li::before {
  content: '\2713';
  width: 18px;
  height: 18px;
  background: var(--blue-sky);
  color: var(--blue);
  border-radius: 50%;
  font-size: 10px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

/* ----------------------------------------------------------
   11. PROCESS STEPS
   ---------------------------------------------------------- */
.process-section {
  background: var(--off-white);
  position: relative;
  overflow: hidden;
}

/* .process-section::before grid pattern removed */

.steps-wrap {
  position: relative;
  margin-top: 64px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.steps-connector {
  position: absolute;
  top: 40px;
  left: calc(12.5% + 24px);
  right: calc(12.5% + 24px);
  height: 1px;
  background: linear-gradient(90deg, var(--blue-sky), var(--blue-lt), var(--blue-sky));
}

.step {
  padding: 0 20px;
  text-align: center;
  position: relative;
}

.step-circle {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  position: relative;
  z-index: 1;
  transition: border-color .2s;
}

.step:hover .step-circle {
  border-color: var(--blue-lt);
}

.step-circle svg {
  width: 28px;
  height: 28px;
}

.step-num-badge {
  position: absolute;
  top: -6px;
  right: -6px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'DM Mono', monospace;
}

.step-title {
  font-family: 'Playfair Display', serif;
  font-size: 19px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 10px;
}

.step-desc {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.65;
}

/* ----------------------------------------------------------
   12. RATES
   ---------------------------------------------------------- */
.rates-section {
  background: var(--white);
  padding-top: 48px;
  padding-bottom: 48px;
}

.rates-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 40px;
  margin-top: 56px;
  align-items: start;
}

.rate-table {
  border: 1.5px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
}

.rt-head {
  background: var(--blue-deep);
  padding: 20px 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.rt-head-title {
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
}

.rt-head-date {
  font-size: 11px;
  color: rgba(255,255,255,.4);
  font-family: 'DM Mono', monospace;
}

.rt-row {
  display: flex;
  align-items: center;
  padding: 16px 28px;
  border-bottom: 1px solid var(--border);
  gap: 16px;
  transition: background .2s;
}

.rt-row:last-child {
  border-bottom: none;
}

.rt-row:hover {
  background: var(--blue-pale);
}

.rt-product {
  flex: 1;
}

.rt-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--blue-deep);
}

.rt-term {
  font-size: 11px;
  color: var(--slate-lt);
  margin-top: 2px;
}

.rt-rate {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--blue);
  width: 80px;
  text-align: right;
}

.rt-rate sup {
  font-size: 14px;
}

.rt-apr {
  text-align: right;
  width: 70px;
}

.rt-apr-num {
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
}

.rt-apr-lbl {
  font-size: 10px;
  color: var(--slate-lt);
  text-transform: uppercase;
  letter-spacing: .5px;
}

.rt-tag {
  font-size: 9.5px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 3px 9px;
  border-radius: 4px;
  width: 68px;
  text-align: center;
}

.rt-tag.pop {
  background: rgba(45,108,192,.1);
  color: var(--blue);
}

.rt-tag.best {
  background: rgba(26,58,107,.08);
  color: var(--blue-deep);
}

/* ----------------------------------------------------------
   13. RATE SIDEBAR
   ---------------------------------------------------------- */
.rate-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.rs-card {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 24px 26px;
}

.rs-title {
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 12px;
}

.rs-text {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.7;
}

.rs-list {
  list-style: none;
  margin-top: 12px;
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.rs-list li {
  font-size: 13px;
  color: var(--charcoal);
  display: flex;
  align-items: center;
  gap: 9px;
}

.rs-list li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
  flex-shrink: 0;
}

/* ----------------------------------------------------------
   14. TESTIMONIALS
   ---------------------------------------------------------- */
.testimonials-section {
  background: var(--white);
}

.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 56px;
}

.testi-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 30px;
  position: relative;
}

.testi-card::after {
  content: '\201C';
  position: absolute;
  top: 16px;
  right: 22px;
  font-family: 'Playfair Display', serif;
  font-size: 72px;
  color: var(--blue);
  opacity: .08;
  line-height: 1;
}

.tc-stars {
  color: #f0b000;
  font-size: 13px;
  margin-bottom: 14px;
  letter-spacing: 2px;
}

.tc-text {
  font-size: 14.5px;
  color: var(--charcoal);
  line-height: 1.7;
  margin-bottom: 22px;
  font-style: italic;
}

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

.tc-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--blue-deep);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 16px;
  font-weight: 700;
  flex-shrink: 0;
}

.tc-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--blue-deep);
}

.tc-loc {
  font-size: 11.5px;
  color: var(--slate-lt);
  margin-top: 2px;
}

/* ----------------------------------------------------------
   15. WHY SECTION
   ---------------------------------------------------------- */
.why-section {
  background: var(--white);
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  margin-top: 56px;
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.wf {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 22px;
  border-radius: 12px;
  border: 1.5px solid var(--border);
  transition: border-color .2s;
}

.wf:hover {
  border-color: var(--blue-lt);
}

.wf-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--blue);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.wf-icon svg {
  width: 22px;
  height: 22px;
}

.wf-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 6px;
}

.wf-desc {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.65;
}

.why-visual-card {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  padding: 40px;
}

.wvc-title {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 32px;
  position: relative;
  z-index: 1;
}

.wvc-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  position: relative;
  z-index: 1;
}

.wvc-stat-val {
  font-family: 'Playfair Display', serif;
  font-size: 44px;
  font-weight: 700;
  color: var(--blue);
  line-height: 1;
}

.wvc-stat-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--slate-lt);
  margin-top: 6px;
}

.wvc-divider {
  grid-column: 1 / -1;
  height: 1px;
  background: var(--border);
}

.wvc-badge {
  grid-column: 1 / -1;
  background: var(--blue-pale);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--slate);
  line-height: 1.5;
}

.wvc-logos {
  grid-column: 1 / -1;
  margin-top: 4px;
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.wvc-logo-pill {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 6px 14px;
  font-size: 11px;
  font-weight: 600;
  color: var(--slate);
  letter-spacing: .5px;
}

/* ----------------------------------------------------------
   16. CTA SECTION
   ---------------------------------------------------------- */
.cta-section {
  background: var(--white);
  border-top: 1px solid var(--border);
  text-align: center;
  padding: 110px 5%;
  position: relative;
  overflow: hidden;
}

/* .cta-section::before grid pattern removed */

.cta-inner {
  position: relative;
  z-index: 1;
  max-width: 720px;
  margin: 0 auto;
}

.cta-h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(34px, 4vw, 52px);
  font-weight: 800;
  color: var(--blue-deep);
  line-height: 1.1;
  margin-bottom: 18px;
}

.cta-h2 em {
  font-style: italic;
  color: var(--blue);
}

.cta-sub {
  font-size: 17px;
  color: var(--slate);
  line-height: 1.7;
  margin-bottom: 44px;
}

.cta-btns {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.cta-trust {
  font-size: 12px;
  color: var(--slate-lt);
  letter-spacing: .5px;
}

/* ----------------------------------------------------------
   17. CONTACT FORM
   ---------------------------------------------------------- */
.contact-section {
  background: var(--off-white);
  padding: 96px 5%;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  max-width: 1280px;
  margin: 0 auto;
  align-items: start;
}

.contact-form {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  padding: 40px;
}

.contact-form .form-group {
  margin-bottom: 20px;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 9px;
  padding: 12px 14px;
  color: var(--charcoal);
  font-family: 'Nunito Sans', sans-serif;
  font-size: 14px;
  transition: border-color .2s;
  outline: none;
  appearance: none;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--blue);
  background: var(--white);
}

.contact-form textarea {
  min-height: 120px;
  resize: vertical;
}

.contact-info-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  padding: 36px;
}

.contact-info-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 18px;
}

.contact-info-card p {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.7;
  margin-bottom: 14px;
}

.contact-info-card a {
  color: var(--blue);
  text-decoration: none;
  transition: color .2s;
}

.contact-info-card a:hover {
  color: var(--blue-deep);
}

/* ----------------------------------------------------------
   18. THANK YOU PAGE
   ---------------------------------------------------------- */
.thank-you-section {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 96px 5%;
}

.thank-you-section .section-inner {
  max-width: 600px;
}

.thank-you-section .section-h2 {
  margin-bottom: 18px;
}

.thank-you-section p {
  font-size: 16px;
  color: var(--slate);
  line-height: 1.75;
  margin-bottom: 32px;
}

/* ----------------------------------------------------------
   19. FOOTER
   ---------------------------------------------------------- */
footer {
  background: var(--blue-deep);
  padding: 72px 5% 36px;
}

.footer-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 52px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}

.footer-brand-desc {
  font-size: 13px;
  color: rgba(255,255,255,.4);
  line-height: 1.7;
  margin-top: 18px;
  max-width: 280px;
}

.footer-contact-links {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-contact-links a {
  font-size: 13px;
  color: rgba(255,255,255,.5);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: color .2s;
}

.footer-contact-links a:hover {
  color: #7ec8f8;
}

.nmls-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: 18px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 6px;
  padding: 6px 14px;
  font-size: 11px;
  color: rgba(255,255,255,.3);
  font-family: 'DM Mono', monospace;
}

.footer-col h4 {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,.3);
  margin-bottom: 18px;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 9px;
}

.footer-col a {
  font-size: 13.5px;
  color: rgba(255,255,255,.5);
  text-decoration: none;
  transition: color .2s;
}

.footer-col a:hover {
  color: #7ec8f8;
}

.footer-bottom {
  max-width: 1280px;
  margin: 28px auto 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-copy {
  font-size: 12px;
  color: rgba(255,255,255,.2);
}

.footer-legal {
  display: flex;
  gap: 20px;
}

.footer-legal a {
  font-size: 12px;
  color: rgba(255,255,255,.2);
  text-decoration: none;
  transition: color .2s;
}

.footer-legal a:hover {
  color: rgba(255,255,255,.5);
}

/* ----------------------------------------------------------
   20. ANIMATIONS
   ---------------------------------------------------------- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .7s ease, transform .7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

.reveal-left {
  opacity: 0;
  transform: translateX(-28px);
  transition: opacity .7s ease, transform .7s ease;
}

.reveal-left.visible {
  opacity: 1;
  transform: none;
}

.reveal-right {
  opacity: 0;
  transform: translateX(28px);
  transition: opacity .7s ease, transform .7s ease;
}

.reveal-right.visible {
  opacity: 1;
  transform: none;
}

.stagger > *:nth-child(1) { transition-delay: .05s; }
.stagger > *:nth-child(2) { transition-delay: .12s; }
.stagger > *:nth-child(3) { transition-delay: .19s; }
.stagger > *:nth-child(4) { transition-delay: .26s; }
.stagger > *:nth-child(5) { transition-delay: .33s; }
.stagger > *:nth-child(6) { transition-delay: .40s; }

/* ----------------------------------------------------------
   21. PAGE HEADER (inner pages)
   ---------------------------------------------------------- */
.page-header {
  background: var(--blue-deep);
  padding: 40px 5% 36px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

/* page-header has no decorative patterns for clean look */

.page-header .section-eyebrow {
  color: var(--blue-lt);
}

.page-header .section-eyebrow::before {
  background: var(--blue-lt);
}

.page-header h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(34px, 4vw, 52px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.12;
  margin-bottom: 12px;
  position: relative;
  z-index: 1;
}

.page-header h1 em {
  font-style: italic;
  color: var(--blue-lt);
}

.page-header p {
  font-size: 16px;
  color: rgba(255,255,255,.5);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.7;
  position: relative;
  z-index: 1;
}

.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 13px;
  position: relative;
  z-index: 1;
}

.breadcrumb a {
  color: rgba(255,255,255,.4);
  text-decoration: none;
  transition: color .2s;
}

.breadcrumb a:hover {
  color: var(--blue-lt);
}

.breadcrumb span {
  color: rgba(255,255,255,.2);
}

.breadcrumb .current {
  color: rgba(255,255,255,.7);
  font-weight: 600;
}

/* ----------------------------------------------------------
   22. LEGAL PAGES
   ---------------------------------------------------------- */
.legal-content {
  font-size: 15px;
  color: var(--charcoal);
  line-height: 1.8;
}

.legal-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(22px, 2.5vw, 28px);
  font-weight: 700;
  color: var(--blue-deep);
  margin: 48px 0 16px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.legal-content h2:first-of-type {
  border-top: none;
  margin-top: 32px;
}

.legal-content h3 {
  font-family: 'Nunito Sans', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--blue-mid);
  margin: 24px 0 10px;
}

.legal-content p {
  margin-bottom: 14px;
}

.legal-content ul {
  margin: 12px 0 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-content ul li {
  line-height: 1.7;
}

.legal-content a {
  color: var(--blue);
  text-decoration: underline;
  transition: color .2s;
}

.legal-content a:hover {
  color: var(--blue-deep);
}

.legal-updated {
  background: var(--blue-sky);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 18px;
  font-size: 13px;
  color: var(--slate);
  margin-bottom: 28px;
}

.legal-contact {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 24px;
  margin: 16px 0 24px;
}

.legal-contact p {
  margin-bottom: 0;
  font-size: 14px;
  line-height: 1.8;
}

.eho-section {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  background: var(--blue-sky);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  margin: 16px 0 24px;
}

.eho-logo {
  flex-shrink: 0;
}

.eho-section p {
  margin-bottom: 10px;
}

.consent-label {
  cursor: pointer;
}

.consent-label input[type="checkbox"] {
  cursor: pointer;
}

/* ----------------------------------------------------------
   22a. CALCULATOR PAGE LAYOUT
   ---------------------------------------------------------- */
.calc-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 40px;
  align-items: start;
}

.calc-card {
  background: var(--white);
  border-radius: 16px;
  border: 1.5px solid var(--border);
  overflow: hidden;
}

.calc-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.calc-info-card {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 28px;
}

.calc-info-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--blue-deep);
  margin-bottom: 12px;
}

.calc-info-card p {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.7;
}

.calc-info-card ul {
  list-style: none;
  margin-top: 12px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.calc-info-card ul li {
  font-size: 14px;
  color: var(--slate);
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.calc-info-card ul li::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
  flex-shrink: 0;
  margin-top: 8px;
}

/* Calculator breakdown rows */
.breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
  color: var(--slate);
}

.breakdown-row:last-child {
  border-bottom: none;
}

.breakdown-row span:last-child {
  font-weight: 600;
  color: var(--charcoal);
  font-family: 'DM Mono', monospace;
  font-size: 13px;
}

.breakdown-total {
  border-top: 1.5px solid var(--blue-lt);
  border-bottom: none;
  padding-top: 10px;
  margin-top: 2px;
}

.breakdown-total span {
  font-weight: 700 !important;
  color: var(--blue-deep) !important;
}

@media (max-width: 1100px) {
  .calc-layout {
    grid-template-columns: 1fr;
  }
}

/* ----------------------------------------------------------
   22b. MULTI-STEP APPLICATION FLOW
   ---------------------------------------------------------- */
.app-flow {
  display: grid;
  grid-template-columns: 260px 1fr;
  min-height: calc(100vh - 78px);
}

.app-sidebar {
  background: var(--off-white);
  border-right: 1px solid var(--border);
  padding: 48px 28px;
  display: flex;
  flex-direction: column;
}

.app-sidebar-inner {
  position: sticky;
  top: 126px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 400px;
}

.app-step-group {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.app-step-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 12px;
  border-left: 2px solid var(--border);
  cursor: default;
  transition: border-color .2s;
}

.app-step-item.active {
  border-left-color: var(--blue);
}

.app-step-item.completed {
  border-left-color: var(--blue);
  cursor: pointer;
}

.app-step-num {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: var(--slate-lt);
  flex-shrink: 0;
  transition: all .2s;
}

.app-step-item.active .app-step-num {
  background: var(--blue);
  border-color: var(--blue);
  color: var(--white);
}

.app-step-item.completed .app-step-num {
  background: var(--blue-deep);
  border-color: var(--blue-deep);
  color: var(--white);
}

.app-step-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--slate-lt);
}

.app-step-item.active .app-step-label {
  color: var(--blue-deep);
}

.app-step-item.completed .app-step-label {
  color: var(--slate);
}

.app-sidebar-footer {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
  margin-top: 32px;
}

.app-main {
  padding: 48px 80px;
  max-width: 720px;
}

.app-panel {
  display: none;
}

.app-panel.active {
  display: block;
}

.app-panel-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 12px;
}

.app-panel-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--slate-lt);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.app-question {
  font-family: 'Playfair Display', serif;
  font-size: clamp(26px, 3vw, 36px);
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 36px;
  line-height: 1.2;
}

.app-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 520px;
}

.app-option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  cursor: pointer;
  transition: border-color .2s, background .2s;
  position: relative;
}

.app-option:hover {
  border-color: var(--blue-lt);
  background: var(--blue-pale);
}

.app-option input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.app-option input[type="radio"]:checked ~ .app-option-radio {
  border-color: var(--blue);
  background: var(--blue);
}

.app-option input[type="radio"]:checked ~ .app-option-radio::after {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--white);
}

.app-option:has(input:checked) {
  border-color: var(--blue);
  background: var(--blue-pale);
}

.app-option-text {
  font-size: 16px;
  font-weight: 600;
  color: var(--charcoal);
}

.app-option-radio {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all .2s;
}

.app-fields {
  display: flex;
  flex-direction: column;
  gap: 20px;
  max-width: 520px;
}

.app-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 40px;
  max-width: 520px;
}

.app-btn-next,
.app-btn-submit {
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: 8px;
  padding: 14px 36px;
  font-family: 'Nunito Sans', sans-serif;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background .2s;
}

.app-btn-next:hover:not(:disabled),
.app-btn-submit:hover:not(:disabled) {
  background: var(--blue-mid);
}

.app-btn-next:disabled,
.app-btn-submit:disabled {
  opacity: .4;
  cursor: not-allowed;
}

.app-btn-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  color: var(--slate);
  font-family: 'Nunito Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  padding: 6px 0;
  transition: color .2s;
}

.app-btn-back:hover {
  color: var(--blue-deep);
}

.app-review {
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  max-width: 520px;
}

.app-review-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 20px;
  border-bottom: 1px solid var(--border);
}

.app-review-row:last-child {
  border-bottom: none;
}

.app-review-row:nth-child(even) {
  background: var(--off-white);
}

.app-review-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: .5px;
}

.app-review-value {
  font-size: 15px;
  font-weight: 600;
  color: var(--charcoal);
}

/* ----------------------------------------------------------
   23. RESPONSIVE BREAKPOINTS
   ---------------------------------------------------------- */

/* 1100px */
@media (max-width: 1100px) {
  .hero-inner {
    grid-template-columns: 1fr 1fr;
  }

  .hero-inner > div:nth-child(2) {
    display: none;
  }

  .hero-card {
    max-width: 500px;
  }

  .rates-layout {
    grid-template-columns: 1fr;
  }

  .products-grid {
    grid-template-columns: 1fr 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }
}

/* 900px */
@media (max-width: 900px) {
  .steps-wrap {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .steps-connector {
    display: none;
  }

  .testi-grid {
    grid-template-columns: 1fr;
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

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

/* 768px - mobile nav breakpoint */
@media (max-width: 768px) {
  .nav-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    padding: 40px 5%;
  }

  .hero-card {
    max-width: 100%;
  }

  .hero-h1 {
    font-size: clamp(32px, 7vw, 48px);
  }

  section {
    padding: 64px 5%;
  }

  .contact-form {
    padding: 28px;
  }

  .app-flow {
    grid-template-columns: 1fr;
  }

  .app-sidebar {
    border-right: none;
    border-bottom: 1px solid var(--border);
    padding: 20px 5%;
  }

  .app-sidebar-inner {
    position: static;
    min-height: auto;
  }

  .app-step-group {
    flex-direction: row;
    gap: 0;
  }

  .app-step-item {
    border-left: none;
    border-bottom: 2px solid var(--border);
    padding: 12px 16px;
    flex: 1;
    justify-content: center;
  }

  .app-step-item.active {
    border-bottom-color: var(--blue);
    border-left-color: transparent;
  }

  .app-step-item.completed {
    border-bottom-color: var(--blue);
    border-left-color: transparent;
  }

  .app-step-label {
    display: none;
  }

  .app-sidebar-footer {
    display: none;
  }

  .app-main {
    padding: 32px 5%;
  }

  .calc-result {
    flex-wrap: wrap;
    gap: 4px;
  }

  .cr-val {
    font-size: 28px;
  }
}

/* 640px */
@media (max-width: 640px) {
  .products-grid {
    grid-template-columns: 1fr;
  }

  .steps-wrap {
    grid-template-columns: 1fr;
  }

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

  .hero-stats {
    gap: 24px;
    flex-wrap: wrap;
  }

  .topbar {
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
  }

  .cta-section {
    padding: 72px 5%;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .footer-legal {
    justify-content: center;
  }

  .chart-container {
    height: 240px !important;
  }

  .chart-section {
    padding: 48px 5%;
  }
}

/* ----------------------------------------------------------
   RATE DIRECTION BAR
   ---------------------------------------------------------- */
.rate-direction-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
  text-align: center;
}
.rate-direction {
  font-size: 14px;
  font-weight: 600;
  font-family: 'DM Mono', monospace;
  letter-spacing: -0.01em;
}
.rate-direction:empty { display: none; }
.rate-direction-bar:has(.rate-direction:empty) { display: none; }
.dir-down { color: #2a8a4a; }
.dir-up   { color: #c4392d; }
.dir-flat { color: var(--slate); }

/* ----------------------------------------------------------
   MARKET INDICATORS (sidebar card)
   ---------------------------------------------------------- */
.market-indicators { margin-top: 16px; }
.mi-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
}
.mi-row:last-child { border-bottom: none; }
.mi-label { font-size: 13px; color: var(--slate); }
.mi-value {
  font-family: 'DM Mono', monospace;
  font-size: 16px;
  font-weight: 600;
  color: var(--blue-deep);
}
.mi-note {
  font-size: 10px;
  color: var(--slate-lt);
  margin-top: 10px;
}

/* ----------------------------------------------------------
   RATE HISTORY CHART
   ---------------------------------------------------------- */
.chart-section {
  background: var(--white);
  padding: 48px 0;
  border-top: 1px solid var(--border);
}
.chart-container {
  background: var(--off-white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 24px;
}