/* ===============================================================
   365 Home Loans — Premium Design System
   =============================================================== */

/* ---------- Reset & Base ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  font-feature-settings:"ss01","cv11";
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
input,select,textarea{font-family:inherit}

/* ---------- Design Tokens ---------- */
:root{
  /* Palette */
  --ink:#0A1F3A;
  --ink-2:#13315C;
  --navy:#0B2545;
  --teal:#2EC4D4;
  --teal-d:#22A8B7;
  --gold:#C8A878;
  --cream:#FAF8F3;
  --paper:#FFFFFF;
  --line:#E7E2D6;
  --line-2:#EFEAE0;
  --muted:#5B6B7F;
  --muted-2:#94A0B0;
  --success:#0E8F63;
  --amber:#C57C20;
  --red:#B83A3A;

  /* Typography */
  --f-display:'Fraunces','Playfair Display',Georgia,serif;
  --f-body:'Inter','DM Sans',system-ui,sans-serif;

  /* Rhythm */
  --max:1200px;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 1px 2px rgba(10,31,58,.04),0 2px 8px rgba(10,31,58,.04);
  --shadow:0 4px 20px rgba(10,31,58,.06),0 18px 50px rgba(10,31,58,.06);
  --shadow-lg:0 10px 40px rgba(10,31,58,.08),0 30px 80px rgba(10,31,58,.1);
}

/* ---------- Typography ---------- */
.eyebrow{
  font-family:var(--f-body);
  font-size:12px;
  font-weight:600;
  letter-spacing:.18em;
  text-transform:uppercase;
  color:var(--teal);
  display:inline-flex;align-items:center;gap:10px;
}
.eyebrow::before{
  content:'';width:28px;height:1px;background:var(--teal);display:inline-block;
}
h1,h2,h3,h4{font-family:var(--f-display);font-weight:500;color:var(--ink);letter-spacing:-.015em;line-height:1.1}
h1{font-size:clamp(2.4rem,5vw,4rem);font-weight:400}
h2{font-size:clamp(1.9rem,3.4vw,2.8rem);font-weight:400}
h3{font-size:clamp(1.3rem,2vw,1.6rem);font-weight:500}
h4{font-size:1.05rem;font-weight:600;font-family:var(--f-body);letter-spacing:0}
p{color:var(--muted);font-size:1rem;line-height:1.75}
.lead{font-size:1.12rem;color:var(--ink-2);line-height:1.7;max-width:56ch}

em.italic{font-style:italic;color:var(--teal);font-family:var(--f-display)}

/* ---------- Layout ---------- */
.wrap{max-width:var(--max);margin:0 auto;padding:0 28px}
section{padding:110px 28px}
section.tight{padding:80px 28px}
@media (max-width:768px){section{padding:72px 20px}.wrap{padding:0 20px}}

.grid{display:grid;gap:28px}
.grid-2{grid-template-columns:1fr 1fr}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:10px;
  padding:14px 28px;border-radius:999px;
  font-weight:600;font-size:.94rem;
  transition:all .25s cubic-bezier(.2,.8,.2,1);
  letter-spacing:.01em;
  border:1px solid transparent;
}
.btn-primary{background:var(--ink);color:#fff}
.btn-primary:hover{background:var(--ink-2);transform:translateY(-2px);box-shadow:0 12px 30px rgba(10,31,58,.25)}
.btn-teal{background:var(--teal);color:#fff}
.btn-teal:hover{background:var(--teal-d);transform:translateY(-2px);box-shadow:0 12px 30px rgba(46,196,212,.35)}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--ink);background:#fff}
.btn-light{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-light:hover{border-color:var(--ink)}
.btn svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2}

.arrow-link{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.92rem;font-weight:600;color:var(--ink);
  transition:gap .25s ease;
}
.arrow-link:hover{gap:14px;color:var(--teal)}
.arrow-link::after{content:'→';transition:transform .25s}
.arrow-link:hover::after{transform:translateX(2px)}

/* ---------- Header ---------- */
.hdr{
  position:sticky;top:0;z-index:100;
  background:rgba(250,248,243,.82);
  backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);
  border-bottom:1px solid rgba(231,226,214,.6);
}
.hdr-in{
  max-width:var(--max);margin:0 auto;padding:18px 28px;
  display:flex;align-items:center;justify-content:space-between;gap:28px;
}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--f-display);font-size:1.1rem;color:var(--ink);font-weight:500;letter-spacing:-.01em}
.brand-logo{height:56px;width:auto;display:block}
@media (max-width:900px){.brand-logo{height:48px}}
.brand small{display:block;font-family:var(--f-body);font-size:.68rem;color:var(--muted);letter-spacing:.1em;text-transform:uppercase;margin-top:2px;font-weight:500}
/* legacy brand-mark (fallback) */
.brand-mark{
  width:40px;height:40px;border-radius:12px;
  background:linear-gradient(135deg,var(--ink) 0%,var(--ink-2) 100%);
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-family:var(--f-display);font-weight:600;font-size:1.05rem;
  box-shadow:0 4px 14px rgba(10,31,58,.18);
  position:relative;overflow:hidden;
}
.brand-mark::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at 30% 20%,rgba(46,196,212,.35),transparent 60%)}
.brand-mark span{position:relative;z-index:1}

.nav{display:flex;align-items:center;gap:2px;list-style:none}
.nav a{
  padding:10px 18px;font-size:.9rem;font-weight:500;
  color:var(--ink);border-radius:999px;
  transition:all .2s;position:relative;
}
.nav a:hover{color:var(--teal)}
.nav a.active{color:var(--teal)}
.nav a.active::after{
  content:'';position:absolute;bottom:2px;left:50%;transform:translateX(-50%);
  width:5px;height:5px;border-radius:50%;background:var(--teal);
}

.hdr-cta{display:flex;gap:10px;align-items:center}
.hdr-phone{font-size:.9rem;font-weight:600;color:var(--ink);padding:8px 14px;border-radius:999px}
.hdr-phone:hover{color:var(--teal)}

.menu-btn{display:none;width:42px;height:42px;border-radius:12px;background:#fff;border:1px solid var(--line);align-items:center;justify-content:center}
.menu-btn span{display:block;width:18px;height:1.5px;background:var(--ink);position:relative}
.menu-btn span::before,.menu-btn span::after{content:'';position:absolute;left:0;width:18px;height:1.5px;background:var(--ink)}
.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}

.mobile-nav{display:none;padding:20px 28px 28px;background:#fff;border-top:1px solid var(--line)}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:14px 0;border-bottom:1px solid var(--line-2);font-size:1rem;font-weight:500;color:var(--ink)}
.mobile-nav a:last-of-type{border-bottom:none}

@media (max-width:900px){
  .nav{display:none}
  .hdr-phone{display:none}
  .menu-btn{display:flex}
}

/* ---------- Hero (generic) ---------- */
.hero{
  position:relative;padding:120px 28px 100px;overflow:hidden;
  background:var(--cream);
}
.hero-in{max-width:var(--max);margin:0 auto;position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:center}
.hero h1{margin:22px 0 24px;max-width:11ch}
.hero h1 em{font-style:italic;color:var(--teal);font-weight:400}
.hero-sub{font-size:1.1rem;color:var(--muted);max-width:46ch;margin-bottom:36px;line-height:1.7}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}

.hero-visual{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;
  aspect-ratio:4/5;background:var(--ink);
  box-shadow:var(--shadow-lg);
}
.hero-visual img{width:100%;height:100%;object-fit:cover;display:block}

.hero-stat{
  position:absolute;background:#fff;padding:18px 22px;border-radius:14px;
  box-shadow:var(--shadow);z-index:3;
}
.hero-stat .num{font-family:var(--f-display);font-size:1.8rem;font-weight:500;color:var(--ink);line-height:1}
.hero-stat .lbl{font-size:.78rem;color:var(--muted);margin-top:4px;font-weight:500}
.hs-1{top:40px;right:-16px}
.hs-2{bottom:40px;left:-24px}

.hero-bg-shape{
  position:absolute;border-radius:50%;
  background:radial-gradient(circle,rgba(46,196,212,.12),transparent 70%);
  filter:blur(40px);pointer-events:none;
}
.hero-bg-shape.one{width:400px;height:400px;top:-100px;right:-80px}
.hero-bg-shape.two{width:320px;height:320px;bottom:-120px;left:-60px;background:radial-gradient(circle,rgba(200,168,120,.12),transparent 70%)}

@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:48px}
  .hero-visual{max-width:440px;margin:0 auto}
  .hs-1{right:8px}.hs-2{left:8px}
}

/* ---------- Section header ---------- */
.sec-head{max-width:780px;margin-bottom:52px}
.sec-head.center{margin:0 auto 52px;text-align:center}
.sec-head h2{margin:14px 0 16px}
.sec-head p{color:var(--muted);font-size:1.05rem;max-width:60ch}
.sec-head.center p{margin:0 auto}

/* ---------- Cards ---------- */
.card{
  position:relative;isolation:isolate;
  background:linear-gradient(180deg,#fff 0%,#FCFBF8 100%);
  border:1px solid var(--line-2);border-radius:var(--radius-lg);
  padding:34px;transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s cubic-bezier(.2,.8,.2,1),border-color .3s ease;
  overflow:hidden;
}
/* teal accent bar that wipes in across the top on hover */
.card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--teal),var(--teal-d));
  transform:scaleX(0);transform-origin:left;
  transition:transform .4s cubic-bezier(.2,.8,.2,1);
}
.card:hover{transform:translateY(-6px);box-shadow:0 28px 56px -28px rgba(10,31,58,.32);border-color:rgba(46,196,212,.4)}
.card:hover::before{transform:scaleX(1)}
.card .card-ico{
  width:52px;height:52px;border-radius:14px;
  background:linear-gradient(135deg,rgba(46,196,212,.16),rgba(46,196,212,.05));
  display:flex;align-items:center;justify-content:center;margin-bottom:22px;
  color:var(--teal);
  box-shadow:0 1px 0 rgba(255,255,255,.7) inset;
  transition:transform .35s cubic-bezier(.2,.8,.2,1),background .35s ease,box-shadow .35s ease;
}
.card:hover .card-ico{
  transform:translateY(-2px) scale(1.06) rotate(-3deg);
  background:linear-gradient(135deg,var(--teal),var(--teal-d));
  color:#fff;
  box-shadow:0 10px 22px -8px rgba(46,196,212,.6);
}
.card .card-ico svg{width:23px;height:23px;stroke:currentColor;fill:none;stroke-width:1.7}
.card h3{margin-bottom:10px;font-size:1.2rem}
.card p{font-size:.94rem;line-height:1.7}
/* the "Explore →" link nudges right as the card is hovered */
.card:hover .arrow-link{color:var(--teal);gap:12px}
.card-num{
  font-family:var(--f-display);font-size:2rem;color:var(--teal);font-weight:400;
  line-height:1;margin-bottom:18px;
}

/* ---------- Process / numbered steps ---------- */
.process-grid{position:relative}
/* connector line running behind the step cards (desktop) */
.process-grid::before{
  content:'';position:absolute;top:62px;left:11%;right:11%;height:2px;z-index:0;
  background:linear-gradient(90deg,transparent,rgba(46,196,212,.45) 12%,rgba(46,196,212,.45) 88%,transparent);
}
.process-grid .card{z-index:1}
.process-grid .card-num{
  display:inline-flex;align-items:center;justify-content:center;
  width:54px;height:54px;border-radius:50%;
  font-size:1.3rem;color:var(--teal);
  background:#fff;border:2px solid rgba(46,196,212,.35);
  box-shadow:0 8px 20px -10px rgba(46,196,212,.5);
  transition:background .35s ease,color .35s ease,border-color .35s ease,transform .35s cubic-bezier(.2,.8,.2,1);
}
.process-grid .card:hover .card-num{
  background:linear-gradient(135deg,var(--teal),var(--teal-d));
  color:#fff;border-color:var(--teal);transform:scale(1.08);
}
@media (max-width:960px){
  .process-grid::before{display:none}
}

/* Feature card with image */
.feature-card{
  background:#fff;border-radius:var(--radius-lg);overflow:hidden;
  border:1px solid var(--line-2);
  transition:all .35s cubic-bezier(.2,.8,.2,1);
  display:flex;flex-direction:column;
}
.feature-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.feature-card .img-wrap{aspect-ratio:16/10;overflow:hidden;background:var(--navy)}
.feature-card .img-wrap img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease}
.feature-card:hover .img-wrap img{transform:scale(1.05)}
.feature-card .fc-body{padding:28px}
.feature-card h3{margin-bottom:8px}
.feature-card p{font-size:.92rem;margin-bottom:16px}

/* ---------- Stats band ---------- */
.stats{
  background:
    radial-gradient(ellipse 600px 300px at 85% 0%, rgba(46,196,212,.16), transparent 60%),
    radial-gradient(ellipse 500px 300px at 0% 100%, rgba(46,196,212,.08), transparent 55%),
    linear-gradient(135deg,var(--ink) 0%,#0d2747 100%);
  color:#fff;border-radius:var(--radius-lg);
  padding:56px 44px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:40px;
  position:relative;overflow:hidden;
  box-shadow:0 30px 70px -30px rgba(10,31,58,.5);
}
/* faint dot texture top-right */
.stats::after{
  content:'';position:absolute;inset:0;pointer-events:none;
  background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);
  background-size:22px 22px;
  -webkit-mask-image:radial-gradient(ellipse 70% 80% at 90% 10%,#000,transparent 70%);
  mask-image:radial-gradient(ellipse 70% 80% at 90% 10%,#000,transparent 70%);
}
/* hairline dividers between stats (desktop) */
.stat + .stat::before{
  content:'';position:absolute;left:-20px;top:50%;transform:translateY(-50%);
  width:1px;height:46px;background:linear-gradient(180deg,transparent,rgba(255,255,255,.16),transparent);
}
.stats::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(circle at 80% 20%,rgba(46,196,212,.2),transparent 60%),
             radial-gradient(circle at 10% 90%,rgba(200,168,120,.1),transparent 55%);
  pointer-events:none;
}
.stat{position:relative;z-index:1}
.stat .v{font-family:var(--f-display);font-size:3rem;font-weight:400;color:#fff;line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stat .v em{color:var(--teal);font-style:italic;font-weight:400}
.stat .l{font-size:.85rem;color:rgba(255,255,255,.65);margin-top:10px;font-weight:500;letter-spacing:.02em}
@media (max-width:700px){.stats{grid-template-columns:repeat(2,1fr);padding:40px 28px;gap:32px}}

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(135deg,var(--ink) 0%,var(--ink-2) 60%,#1a4a6e 100%);
  border-radius:var(--radius-lg);padding:72px 56px;color:#fff;
  position:relative;overflow:hidden;
  display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:center;
}
.cta-band::before{
  content:'';position:absolute;top:0;right:0;width:420px;height:420px;
  background:radial-gradient(circle,rgba(46,196,212,.25),transparent 70%);
  border-radius:50%;filter:blur(20px);
}
.cta-band h2{color:#fff;margin-bottom:14px;max-width:16ch}
.cta-band p{color:rgba(255,255,255,.75);max-width:48ch;font-size:1.02rem}
.cta-band .cta-btns{display:flex;gap:12px;justify-content:flex-end;flex-wrap:wrap;position:relative;z-index:1}
@media (max-width:800px){
  .cta-band{grid-template-columns:1fr;padding:52px 32px;text-align:center}
  .cta-band .cta-btns{justify-content:center}
}

/* ---------- Reviews ---------- */
.review-card{
  position:relative;isolation:isolate;
  background:linear-gradient(180deg,#fff,#FCFBF8);
  border:1px solid var(--line-2);
  padding:34px 32px 30px;border-radius:var(--radius-lg);
  transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s ease,border-color .3s ease;
  height:100%;overflow:hidden;
}
/* large decorative opening quote */
.review-card::before{
  content:'\201C';position:absolute;top:6px;right:24px;
  font-family:var(--f-display);font-size:5.5rem;line-height:1;
  color:rgba(46,196,212,.16);pointer-events:none;z-index:0;
}
.review-card:hover{transform:translateY(-6px);box-shadow:0 28px 56px -28px rgba(10,31,58,.3);border-color:rgba(46,196,212,.38)}
.stars{display:flex;gap:3px;margin-bottom:18px;position:relative;z-index:1}
.stars svg{width:16px;height:16px;fill:#F5B301}
.review-card .quote{color:var(--ink-2);font-size:.95rem;line-height:1.75;margin-bottom:22px;font-style:italic;position:relative;z-index:1}
.review-meta{display:flex;align-items:center;gap:12px;padding-top:18px;border-top:1px solid var(--line-2)}
.avatar{
  width:40px;height:40px;border-radius:50%;
  background:linear-gradient(135deg,var(--teal),var(--teal-d));
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-weight:600;font-size:.88rem;flex-shrink:0;
}
.review-meta .name{font-size:.88rem;font-weight:600;color:var(--ink)}
.review-meta .when{font-size:.76rem;color:var(--muted);margin-top:2px}

/* ---------- Footer ---------- */
footer{
  position:relative;
  background:
    radial-gradient(ellipse 700px 360px at 88% 0%, rgba(46,196,212,.10), transparent 62%),
    linear-gradient(180deg,#0c2342 0%,var(--ink) 60%);
  color:rgba(255,255,255,.68);
  padding:80px 28px 36px;margin-top:0;
}
/* teal hairline accent along the very top of the footer */
footer::before{
  content:'';position:absolute;top:0;left:0;right:0;height:2px;
  background:linear-gradient(90deg,transparent,rgba(46,196,212,.6),transparent);
}
.ft-in{max-width:var(--max);margin:0 auto}
.ft-grid{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr;gap:56px;margin-bottom:56px}
.ft-brand{display:flex;align-items:center;gap:10px;color:#fff;font-family:var(--f-display);font-size:1.15rem;margin-bottom:16px}
.ft-brand .brand-mark{box-shadow:none}
.ft-brand .brand-logo{height:60px;width:auto;opacity:.95}
.ft-about{font-size:.9rem;line-height:1.75;max-width:38ch}
.ft-social{display:flex;gap:10px;margin-top:20px}
.ft-social a{
  width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.06);
  display:flex;align-items:center;justify-content:center;transition:.25s;
}
.ft-social a:hover{background:var(--teal);color:#fff;transform:translateY(-2px)}
.ft-social svg{width:16px;height:16px;stroke:currentColor;fill:currentColor}
.ft-col h4{color:#fff;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:20px;font-weight:600}
.ft-col ul{list-style:none}
.ft-col li{margin-bottom:10px}
.ft-col a{font-size:.9rem;color:rgba(255,255,255,.6);transition:color .2s,padding-left .2s;display:inline-block}
.ft-col a:hover{color:var(--teal);padding-left:5px}
.ft-col li{position:relative}

.ft-bot{border-top:1px solid rgba(255,255,255,.08);padding-top:28px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:20px}
.ft-bot p{font-size:.8rem;color:rgba(255,255,255,.45)}
.ft-disclaimer{font-size:.74rem;color:rgba(255,255,255,.4);margin-top:18px;line-height:1.65;max-width:900px}
@media (max-width:820px){.ft-grid{grid-template-columns:1fr 1fr;gap:40px}}
@media (max-width:520px){.ft-grid{grid-template-columns:1fr}}

/* ---------- Forms ---------- */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:600px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:8px}
.field label{font-size:.82rem;font-weight:600;color:var(--ink);letter-spacing:.01em}
.field small{font-size:.76rem;color:var(--muted)}
.field input,.field select,.field textarea{
  width:100%;padding:14px 16px;
  background:#fff;border:1.5px solid var(--line);
  border-radius:12px;font-size:.95rem;color:var(--ink);
  transition:border-color .2s,box-shadow .2s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--teal);
  box-shadow:0 0 0 4px rgba(46,196,212,.12);
}
.field textarea{resize:vertical;min-height:120px}

/* ---------- Lender marquee ---------- */
.lender-panel{background:linear-gradient(180deg,#fff 0%,var(--cream) 50%,#fff 100%);position:relative}
.lender-marquee-wrap{overflow:hidden;position:relative;margin-bottom:32px}
.lender-marquee-wrap::before,.lender-marquee-wrap::after{
  content:'';position:absolute;top:0;bottom:0;width:120px;z-index:2;pointer-events:none;
}
.lender-marquee-wrap::before{left:0;background:linear-gradient(to right,#fff 10%,transparent)}
.lender-marquee-wrap::after{right:0;background:linear-gradient(to left,#fff 10%,transparent)}
.lender-marquee-track{
  display:flex;gap:18px;width:max-content;
  padding:8px 0;
  animation:lp-scroll 42s linear infinite;will-change:transform;
}
.lender-marquee-wrap:hover .lender-marquee-track{animation-play-state:paused}
@keyframes lp-scroll{
  0%{transform:translateX(0)}
  100%{transform:translateX(-50%)}
}
.lender-chip{
  padding:15px 30px;background:#fff;border:1px solid var(--line-2);
  border-radius:14px;box-shadow:0 2px 10px rgba(10,31,58,.05);
  white-space:nowrap;flex-shrink:0;font-family:Arial,sans-serif;
  font-weight:800;font-size:1.1rem;letter-spacing:.5px;
  display:flex;align-items:center;transition:transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s, border-color .3s;
}
.lender-chip:hover{transform:translateY(-4px);box-shadow:0 14px 30px -10px rgba(10,31,58,.16);border-color:rgba(46,196,212,.5)}
.lender-chip.serif{font-family:Georgia,serif;font-weight:700}
.lender-chip.serif-italic{font-family:Georgia,serif;font-weight:700;font-style:italic;color:#000}
.lender-chip.plus{color:var(--teal);font-family:var(--f-body);font-weight:600;letter-spacing:0}

.accreditations{
  display:flex;gap:14px;flex-wrap:wrap;justify-content:center;margin-top:20px;
}
.accred-chip{
  display:inline-flex;align-items:center;gap:8px;padding:10px 20px;
  border-radius:999px;border:1.5px solid;font-size:.82rem;font-weight:600;letter-spacing:.01em;
}
.accred-chip.platinum{background:rgba(255,215,0,.08);border-color:rgba(200,168,120,.45);color:#8A6D2E}
.accred-chip.flame{background:rgba(255,102,0,.08);border-color:rgba(255,102,0,.35);color:#B5540A}

/* ---------- Animation on scroll ---------- */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.2,.8,.2,1),transform .7s cubic-bezier(.2,.8,.2,1)}
.reveal.in{opacity:1;transform:translateY(0)}
.reveal.d1{transition-delay:.06s}
.reveal.d2{transition-delay:.12s}
.reveal.d3{transition-delay:.18s}
.reveal.d4{transition-delay:.24s}

/* ---------- Utility ---------- */
.muted{color:var(--muted)}
.center{text-align:center}
.mt-0{margin-top:0}.mt-1{margin-top:12px}.mt-2{margin-top:24px}.mt-3{margin-top:40px}.mt-4{margin-top:60px}
.mb-0{margin-bottom:0}
.divider{height:1px;background:linear-gradient(90deg,transparent,var(--line),transparent);margin:0 auto;max-width:800px}
.pill{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:999px;background:rgba(46,196,212,.1);color:var(--teal-d);font-size:.78rem;font-weight:600;letter-spacing:.02em}
.pill.gold{background:rgba(200,168,120,.12);color:#8B6D2F}
.pill.cream{background:#fff;color:var(--ink);border:1px solid var(--line)}

/* ---------- Page Hero (compact, for inner pages) ---------- */
.page-hero{padding:120px 28px 70px;background:var(--cream);position:relative;overflow:hidden}
.page-hero-in{max-width:var(--max);margin:0 auto;position:relative;z-index:2}
.page-hero h1{max-width:16ch;margin:18px 0 20px}
.page-hero .lead{max-width:58ch}
.breadcrumb{font-size:.84rem;color:var(--muted);margin-bottom:12px}
.breadcrumb a{color:var(--muted)}.breadcrumb a:hover{color:var(--teal)}
.breadcrumb span{margin:0 8px;color:var(--line)}

/* ---------- Footer compliance block ---------- */
.ft-compliance{margin-top:40px;padding:28px 0 24px;border-top:1px solid rgba(255,255,255,.1)}
.ft-credit-row{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;align-items:center}
.ft-cred-chip{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:8px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.72);font-size:.74rem;font-weight:600;letter-spacing:.02em;font-family:var(--f-body)}
.ft-cred-chip.ft-cred-acl{background:rgba(46,196,212,.12);border-color:rgba(46,196,212,.3);color:#2EC4D4}
.ft-cred-chip.ft-cred-bid{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.08);color:rgba(255,255,255,.58)}
.ft-social a{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.06);color:rgba(255,255,255,.75);transition:background .2s,color .2s,transform .2s}
.ft-social a:hover{background:rgba(46,196,212,.18);color:#2EC4D4;transform:translateY(-2px)}
.ft-disclaimer em{font-style:italic}

/* ===== Floating contact widget ===== */
.fab-wrap{
  position:fixed;
  bottom:24px;left:24px;
  z-index:1000;
  display:flex;flex-direction:column;align-items:flex-start;gap:12px;
  font-family:var(--f-body);
}
.fab-menu{
  display:none;
  flex-direction:column;gap:10px;
  animation:fabIn .22s cubic-bezier(.2,.9,.3,1.2) both;
}
.fab-wrap.open .fab-menu{display:flex}
@keyframes fabIn{
  from{opacity:0;transform:translateY(8px) scale(.96)}
  to{opacity:1;transform:translateY(0) scale(1)}
}
.fab-item{
  display:flex;align-items:center;gap:10px;
  background:#fff;color:var(--ink);
  padding:10px 14px 10px 12px;border-radius:28px;
  box-shadow:0 4px 18px rgba(10,31,58,.14);
  text-decoration:none;
  font-size:.88rem;font-weight:600;
  border:1px solid var(--line-2);
  transition:.2s;white-space:nowrap;
}
.fab-item:hover{transform:translateX(2px);box-shadow:0 6px 22px rgba(10,31,58,.2);border-color:var(--teal)}
.fab-item .fab-ico{
  width:30px;height:30px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  color:#fff;flex-shrink:0;
}
.fab-item .fab-ico svg{width:16px;height:16px}
.fab-ico.wa{background:#25D366}
.fab-ico.sms{background:#2EC4D4}
.fab-ico.msg{background:#0084FF}
.fab-ico.crm{background:#0A1F3A}

.fab-toggle{
  width:52px;height:52px;border-radius:50%;
  background:linear-gradient(135deg,var(--teal) 0%,#1BA8B8 100%);
  color:#fff;border:none;cursor:pointer;
  box-shadow:0 6px 18px rgba(10,31,58,.18);
  display:flex;align-items:center;justify-content:center;
  transition:.25s;
  position:relative;
}
.fab-toggle:hover{transform:scale(1.06);box-shadow:0 10px 26px rgba(46,196,212,.4),0 3px 10px rgba(10,31,58,.18)}
.fab-toggle svg{width:24px;height:24px;transition:.25s}
.fab-wrap.open .fab-toggle svg{transform:rotate(45deg)}
/* Gentle one-off attention ring on load, then it rests — keeps the bot as the primary widget */
.fab-toggle::after{
  content:'';position:absolute;inset:-3px;border-radius:50%;
  border:2px solid rgba(46,196,212,.35);
  opacity:0;
  animation:fabPulse 2.6s ease-out 3;
}
@keyframes fabPulse{
  0%{transform:scale(.96);opacity:.6}
  100%{transform:scale(1.35);opacity:0}
}
.fab-wrap.open .fab-toggle::after{animation:none;opacity:0}
@media (prefers-reduced-motion: reduce){
  .fab-toggle::after{animation:none;opacity:0}
}

/* About page hero — text + portrait two-column */
.about-hero-2col{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;margin-top:8px}
.about-hero-photo{border-radius:var(--radius-lg);overflow:hidden;aspect-ratio:2/3;max-width:330px;width:100%;justify-self:end;box-shadow:var(--shadow-lg);background:var(--cream)}
.about-hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
@media (max-width:820px){
  .about-hero-2col{grid-template-columns:1fr;gap:24px;justify-items:center;text-align:left}
  .about-hero-photo{order:-1;max-width:240px;justify-self:center}
}

/* NOTE: The embedded AI chatbot renders inside a Shadow DOM, so its mobile sizing
   cannot be controlled from this stylesheet. That override is injected into the
   widget's shadow root from common.js instead (see "chatbot mobile sizing"). */

@media (max-width:600px){
  .fab-wrap{bottom:14px;left:14px}
  .fab-toggle{width:48px;height:48px}
  .fab-toggle svg{width:22px;height:22px}
  .fab-item{padding:9px 13px 9px 11px;font-size:.84rem}
}

/* ===== Service Areas section ===== */
.svc-areas{background:linear-gradient(180deg,var(--cream) 0%,#fff 100%)}
.svc-area-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:28px;
  margin-top:36px;
}
@media (max-width:900px){.svc-area-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:500px){.svc-area-grid{grid-template-columns:1fr}}

.svc-area-col{
  background:#fff;
  border:1px solid var(--line-2);
  border-radius:var(--radius);
  padding:22px 24px;
  box-shadow:var(--shadow-sm);
  transition:.25s;
}
.svc-area-col:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:rgba(46,196,212,.25)}

.svc-area-col h4{
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.05rem;
  color:var(--ink);
  margin-bottom:14px;
  padding-bottom:10px;
  border-bottom:1px solid var(--line-2);
  letter-spacing:-.005em;
}
.svc-area-col ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:4px}
.svc-area-col li a{
  display:block;
  padding:6px 0;
  color:var(--ink-2);
  font-size:.9rem;
  text-decoration:none;
  border-bottom:1px dashed transparent;
  transition:.18s;
}
.svc-area-col li a:hover{color:var(--teal);border-bottom-color:rgba(46,196,212,.3);padding-left:4px}

.svc-areas-note{
  margin:36px auto 0;
  max-width:760px;
  text-align:center;
  padding:18px 24px;
  background:rgba(46,196,212,.08);
  border:1px solid rgba(46,196,212,.2);
  border-radius:var(--radius);
  font-size:.95rem;
  line-height:1.6;
  color:var(--ink-2);
}
.svc-areas-note strong{color:var(--ink)}
.svc-areas-note a{color:var(--teal);font-weight:600;text-decoration:underline;text-underline-offset:3px}

/* ============================================================
   PREMIUM MOBILE POLISH
   Cohesive refinements for a calmer, more app-like feel on phones.
   ============================================================ */

/* Remove the grey tap-flash on touch (subtle, premium) */
*{-webkit-tap-highlight-color:transparent}
/* Never let a horizontal scrollbar sneak in on small screens */
html,body{overflow-x:hidden}

@media (max-width:600px){
  /* --- Compact, refined sticky header ---
     Was ~114px tall because the CTA wrapped to two lines. Keep it ~64px. */
  .hdr-in{padding:11px 18px;gap:12px}
  .brand-logo{height:40px}
  .hdr-cta{gap:8px}
  .hdr-cta .btn{padding:10px 15px;font-size:.85rem;white-space:nowrap;letter-spacing:0}
  .menu-btn{width:40px;height:40px}

  /* --- Interior page heroes: trim the heavy top whitespace --- */
  .page-hero{padding:54px 18px 36px}
  .page-hero h1{margin:12px 0 16px}

  /* --- Comfortable, consistent section rhythm --- */
  section{padding:56px 18px}
  .wrap{padding:0 18px}

  /* --- Buttons feel better as full-width, thumb-friendly targets --- */
  .btn-lg{width:100%;justify-content:center}

  /* Headlines: tighten leading so big display type doesn't feel loose */
  h1{line-height:1.12}
}

/* ============================================================
   MODERN STANDARDS LAYER (2026)
   Accessibility, typography refinement, form UX & motion.
   Site-wide upgrades that lift every page without layout risk.
   ============================================================ */

/* --- Sticky-header offset for in-page anchor links ---
   Jumping to #section no longer hides the target under the fixed header. */
:root{ --hdr-h:84px; }
[id]{ scroll-margin-top:calc(var(--hdr-h) + 16px); }
@media (max-width:600px){ :root{ --hdr-h:64px; } }

/* --- Pleasant brand text-selection --- */
::selection{ background:rgba(46,196,212,.22); color:var(--ink); }

/* --- Modern heading balance: avoid orphan/awkward line breaks --- */
h1,h2,h3{ text-wrap:balance; }
p,.lead,li{ text-wrap:pretty; }

/* --- Accessible keyboard focus (only shows for keyboard users, not mouse) --- */
a:focus-visible,button:focus-visible,.btn:focus-visible,
input:focus-visible,select:focus-visible,textarea:focus-visible,
summary:focus-visible,[tabindex]:focus-visible{
  outline:2px solid var(--teal);
  outline-offset:2px;
  border-radius:6px;
}
:focus:not(:focus-visible){ outline:none; }

/* --- Native form controls adopt the brand colour --- */
input,select,textarea{ accent-color:var(--teal); }

/* --- Inputs: softer, more tactile, clear focus ring --- */
input[type=text],input[type=email],input[type=tel],input[type=number],
input[type=search],input[type=url],select,textarea{
  border:1px solid var(--line);
  border-radius:12px;
  background:#fff;
  transition:border-color .18s ease, box-shadow .18s ease;
}
input[type=text]:focus,input[type=email]:focus,input[type=tel]:focus,
input[type=number]:focus,input[type=search]:focus,input[type=url]:focus,
select:focus,textarea:focus{
  border-color:var(--teal);
  box-shadow:0 0 0 3px rgba(46,196,212,.16);
  outline:none;
}

/* --- Buttons: crisper press feedback + disabled state --- */
.btn{ will-change:transform; }
.btn:active{ transform:translateY(0) scale(.98); }
.btn[disabled],.btn:disabled{ opacity:.5; cursor:not-allowed; transform:none; box-shadow:none; }

/* --- Lazy/late images get a subtle placeholder shimmer ---
   Excludes logos & SVGs (transparent assets where a placeholder box would show through). --- */
img[loading="lazy"]:not(.brand-logo):not([src$=".svg"]){ background:linear-gradient(110deg,var(--line-2) 25%,#f4f0e6 50%,var(--line-2) 75%); background-size:200% 100%; }

/* --- Richer link affordance in long-form body copy --- */
.post-body a:hover,.lead a:hover{ text-underline-offset:3px; }

/* --- Respect reduced-motion globally: kill transitions/animation/parallax --- */
@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{
    animation-duration:.001ms !important;
    animation-iteration-count:1 !important;
    transition-duration:.001ms !important;
    scroll-behavior:auto !important;
  }
  .reveal{ opacity:1 !important; transform:none !important; }
}

/* --- Safety net: if JS is disabled, reveal-on-scroll content still shows --- */
.no-js .reveal{ opacity:1 !important; transform:none !important; }

@media (max-width:380px){
  .hdr-cta .btn{padding:9px 13px;font-size:.82rem}
  .brand-logo{height:36px}
}

/* ============================================================
   ASK-THE-ASSISTANT BAND  (reusable, English)
   A friendly nudge toward the embedded AI chat assistant.
   ============================================================ */
.ask-band{position:relative;overflow:hidden;background:linear-gradient(135deg,rgba(46,196,212,.12),rgba(46,196,212,.03));border:1px solid rgba(46,196,212,.3);border-radius:22px;padding:32px 34px;display:flex;gap:22px;align-items:center;flex-wrap:wrap;justify-content:space-between;margin:0 auto}
.ask-band-ico{width:60px;height:60px;border-radius:18px;background:linear-gradient(135deg,var(--teal),#1BA8B8);color:#fff;display:grid;place-items:center;flex-shrink:0;box-shadow:0 10px 26px -8px rgba(46,196,212,.6)}
.ask-band-ico svg{width:30px;height:30px}
.ask-band-txt{flex:1;min-width:240px}
.ask-band-txt h3{font-family:var(--f-display),Georgia,serif;font-weight:600;color:var(--ink);font-size:1.25rem;margin:0 0 5px;line-height:1.3}
.ask-band-txt p{color:var(--ink-2);font-size:.96rem;line-height:1.6;margin:0}
.ask-band-cue{display:inline-flex;align-items:center;gap:9px;background:var(--ink);color:#fff;padding:12px 22px;border-radius:100px;font-weight:600;font-size:.92rem;white-space:nowrap;border:none;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease}
.ask-band-cue:hover{transform:translateY(-2px);box-shadow:0 12px 26px -10px rgba(10,31,58,.55)}
.ask-band-cue svg{width:18px;height:18px}
.ask-band-pulse{position:relative;display:inline-flex;width:9px;height:9px}
.ask-band-pulse::before{content:'';position:absolute;inset:0;border-radius:50%;background:var(--teal);animation:askPing 1.8s ease-out infinite}
.ask-band-pulse::after{content:'';position:absolute;inset:0;border-radius:50%;background:var(--teal)}
@keyframes askPing{0%{transform:scale(1);opacity:.9}70%,100%{transform:scale(2.6);opacity:0}}
@media (max-width:640px){
  .ask-band{flex-direction:column;align-items:center;text-align:center;padding:26px 22px;gap:16px}
  .ask-band-txt{min-width:0;flex:none;width:100%}
  .ask-band-cue{width:100%;justify-content:center}
}

/* Entrance: rides the .reveal -> .in toggle from the scroll observer.
   Card fades up (via .reveal), icon pops, button + text drift in with a gentle stagger. */
.ask-band::after{content:'';position:absolute;inset:0;border-radius:inherit;background:radial-gradient(120% 140% at 0% 0%,rgba(46,196,212,.18),transparent 55%);opacity:0;transition:opacity 1s ease .25s;pointer-events:none}
.ask-band.in::after{opacity:1}
.ask-band-ico{transform:scale(.6) rotate(-8deg);opacity:0;transition:transform .6s cubic-bezier(.34,1.56,.64,1) .15s,opacity .5s ease .15s}
.ask-band.in .ask-band-ico{transform:scale(1) rotate(0);opacity:1}
.ask-band-txt,.ask-band-cue{opacity:0;transform:translateY(10px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.8,.2,1)}
.ask-band-txt{transition-delay:.22s}
.ask-band-cue{transition-delay:.34s}
.ask-band.in .ask-band-txt,.ask-band.in .ask-band-cue{opacity:1;transform:translateY(0)}
@media (prefers-reduced-motion:reduce){
  .ask-band-pulse::before{animation:none}
  .ask-band-ico,.ask-band-txt,.ask-band-cue{opacity:1;transform:none;transition:none}
  .ask-band::after{display:none}
}
/* No-JS fallback: the .in class never fires, so show everything statically. */
.no-js .ask-band-ico,.no-js .ask-band-txt,.no-js .ask-band-cue{opacity:1;transform:none}
.no-js .ask-band::after{opacity:1}