/* ══════════════════════════════════════════════════
   rose4loans.com — Shared Stylesheet
   Rose Black · Certified Mortgage Advisor · NMLS# 258263
   ══════════════════════════════════════════════════ */

/* ── RESET & BASE ─────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Open Sans', sans-serif; color: #222; background: #fff; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ── VARIABLES ────────────────────────────────────────── */
:root {
  --navy:   #1a2744;
  --navy2:  #243460;
  --gold:   #c9a84c;
  --gold2:  #e8c96a;
  --light:  #f5f7fb;
  --gray:   #6b7280;
  --white:  #ffffff;
  --radius: 6px;
  --shadow: 0 4px 24px rgba(0,0,0,.10);
}

/* ── TOP BAR ──────────────────────────────────────────── */
.topbar {
  background: var(--navy);
  color: rgba(255,255,255,.85);
  font-size: .8rem;
  padding: .45rem 2rem;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 1.5rem;
}
.topbar a { color: rgba(255,255,255,.85); }
.topbar a:hover { color: var(--gold); }
.topbar i { margin-right: .35rem; color: var(--gold); }

/* ── NAVBAR ───────────────────────────────────────────── */
nav {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(0,0,0,.10);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: .75rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: .5px;
}
.nav-logo span { color: var(--gold); }
.nav-links {
  display: flex;
  align-items: center;
  gap: .25rem;
  list-style: none;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  display: block;
  padding: .6rem .85rem;
  font-size: .88rem;
  font-weight: 600;
  color: var(--navy);
  border-radius: var(--radius);
  transition: background .2s, color .2s;
}
.nav-links > li > a:hover,
.nav-links > li:hover > a {
  background: var(--light);
  color: var(--gold);
}
/* Dropdown */
.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  min-width: 220px;
  z-index: 999;
  padding-top: 6px;
}
/* JS-driven: .open class toggles dropdown */
.nav-links > li.open .dropdown { display: block; }
/* Fallback hover still works on desktop */
.nav-links > li:hover .dropdown { display: block; }
.dropdown a {
  display: block;
  padding: .6rem 1.1rem;
  font-size: .84rem;
  color: var(--navy);
  transition: background .15s, color .15s;
  border-bottom: 1px solid #f1f3f7;
}
.dropdown a:last-child { border-bottom: none; }
.dropdown a:hover { background: var(--light); color: var(--gold); }
.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: .6rem 1.3rem !important;
  border-radius: 50px !important;
  font-weight: 700 !important;
  font-size: .88rem !important;
  transition: background .2s !important;
}
.nav-cta:hover { background: var(--gold2) !important; }

/* hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: .5rem;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: .3s;
}

/* ── HERO ─────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 60%, #2e4080 100%);
  color: var(--white);
  padding: 80px 2rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3rem;
  align-items: center;
  position: relative;
}
.hero-text h1 {
  font-family: 'Playfair Display', serif;
  font-size: 3rem;
  line-height: 1.15;
  margin-bottom: 1rem;
}
.hero-text h1 span { color: var(--gold); }
.hero-text .tagline {
  font-size: 1.15rem;
  opacity: .88;
  margin-bottom: 1.5rem;
  line-height: 1.7;
}
.hero-text .nmls {
  font-size: .82rem;
  opacity: .65;
  margin-bottom: 1.8rem;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  padding: .85rem 2rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: .95rem;
  transition: background .2s, transform .15s;
  display: inline-block;
}
.btn-gold:hover { background: var(--gold2); transform: translateY(-2px); }
.btn-outline {
  border: 2px solid rgba(255,255,255,.6);
  color: var(--white);
  padding: .85rem 2rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  transition: border-color .2s, background .2s;
  display: inline-block;
}
.btn-outline:hover { border-color: var(--gold); background: rgba(201,168,76,.1); }
.hero-photo { position: relative; }
.hero-photo img {
  border-radius: 12px;
  width: 100%;
  box-shadow: 0 20px 60px rgba(0,0,0,.35);
  object-fit: cover;
  aspect-ratio: 3/4;
}
.hero-badge {
  position: absolute;
  bottom: -18px;
  left: -18px;
  background: var(--gold);
  color: var(--navy);
  padding: .9rem 1.3rem;
  border-radius: 10px;
  font-weight: 700;
  font-size: .82rem;
  text-align: center;
  line-height: 1.4;
  box-shadow: 0 8px 24px rgba(0,0,0,.2);
}

/* ── STATS BAR ────────────────────────────────────────── */
.stats-bar {
  background: var(--gold);
  padding: 1.4rem 2rem;
}
.stats-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  text-align: center;
  gap: 1rem;
}
.stat-item strong {
  display: block;
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.stat-item span {
  font-size: .82rem;
  color: var(--navy);
  font-weight: 600;
  opacity: .8;
}

/* ── SECTION COMMONS ──────────────────────────────────── */
section { padding: 80px 2rem; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-tag {
  display: inline-block;
  background: rgba(201,168,76,.15);
  color: var(--gold);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: .35rem .9rem;
  border-radius: 50px;
  margin-bottom: .9rem;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: 2.1rem;
  color: var(--navy);
  margin-bottom: 1rem;
  line-height: 1.25;
}
.section-sub {
  color: var(--gray);
  font-size: 1rem;
  line-height: 1.75;
  max-width: 640px;
}
.divider {
  width: 56px;
  height: 3px;
  background: var(--gold);
  margin: 1rem 0 1.5rem;
  border-radius: 2px;
}

/* ── ABOUT ────────────────────────────────────────────── */
.about-grid {
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 4rem;
  align-items: center;
}
.about-photo { position: relative; }
.about-photo img {
  border-radius: 12px;
  width: 100%;
  box-shadow: var(--shadow);
  object-fit: cover;
  aspect-ratio: 4/5;
}
.about-photo-badge {
  position: absolute;
  bottom: 24px;
  right: -20px;
  background: var(--navy);
  color: var(--white);
  padding: 1rem 1.2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: var(--shadow);
  font-size: .82rem;
  line-height: 1.5;
}
.about-photo-badge strong {
  display: block;
  font-size: 1.1rem;
  color: var(--gold);
}
.about-text p {
  color: var(--gray);
  line-height: 1.85;
  margin-bottom: 1rem;
  font-size: .97rem;
}
.about-contact {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-top: 1.75rem;
}
.about-contact a {
  display: flex;
  align-items: center;
  gap: .5rem;
  padding: .65rem 1.2rem;
  border: 2px solid var(--navy);
  color: var(--navy);
  border-radius: 50px;
  font-weight: 600;
  font-size: .88rem;
  transition: background .2s, color .2s;
}
.about-contact a:hover { background: var(--navy); color: var(--white); }
.about-contact a i { color: var(--gold); }

/* ── SERVICES ─────────────────────────────────────────── */
.services { background: var(--light); }
.services-header { text-align: center; margin-bottom: 3rem; }
.services-header .divider { margin: 1rem auto 1.5rem; }
.services-header .section-sub { margin: 0 auto; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.service-card {
  background: var(--white);
  border-radius: 12px;
  padding: 1.75rem 1.5rem;
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  transition: transform .25s, box-shadow .25s;
  border-top: 3px solid transparent;
}
.service-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 32px rgba(0,0,0,.12);
  border-top-color: var(--gold);
}
.service-icon {
  width: 52px;
  height: 52px;
  background: rgba(201,168,76,.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.service-icon i { color: var(--gold); font-size: 1.3rem; }
.service-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .55rem;
}
.service-card p {
  font-size: .875rem;
  color: var(--gray);
  line-height: 1.7;
}
.service-card a {
  display: inline-block;
  margin-top: .85rem;
  font-size: .82rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: .5px;
}
.service-card a:hover { text-decoration: underline; }

/* ── LOAN TYPES ───────────────────────────────────────── */
.loans-header { text-align: center; margin-bottom: 2.5rem; }
.loans-header .divider { margin: 1rem auto 1.5rem; }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.loan-pill {
  background: var(--white);
  border: 1.5px solid #e5e7eb;
  border-radius: 8px;
  padding: .9rem 1rem;
  font-size: .86rem;
  font-weight: 600;
  color: var(--navy);
  text-align: center;
  cursor: pointer;
  transition: background .2s, border-color .2s, color .2s;
  display: block;
}
.loan-pill:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.loan-pill i {
  display: block;
  margin-bottom: .4rem;
  color: var(--gold);
  font-size: 1.1rem;
}
.loan-pill:hover i { color: var(--gold2); }

/* ── PREAPPROVAL CTA ──────────────────────────────────── */
.preapproval {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  color: var(--white);
  padding: 80px 2rem;
}
.preapproval-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.preapproval h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2.1rem;
  margin-bottom: 1rem;
  line-height: 1.25;
}
.preapproval h2 span { color: var(--gold); }
.preapproval p {
  opacity: .85;
  line-height: 1.8;
  margin-bottom: 1.75rem;
  font-size: .97rem;
}
.preapproval-steps { list-style: none; margin-bottom: 2rem; }
.preapproval-steps li {
  display: flex;
  align-items: flex-start;
  gap: .85rem;
  margin-bottom: .85rem;
  font-size: .92rem;
  opacity: .9;
}
.step-num {
  width: 28px;
  height: 28px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .8rem;
  flex-shrink: 0;
  margin-top: .1rem;
}

/* ── CONTACT FORM ─────────────────────────────────────── */
.contact-form {
  background: var(--white);
  border-radius: 16px;
  padding: 2.5rem;
  box-shadow: 0 20px 60px rgba(0,0,0,.25);
}
.contact-form h3 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  font-size: 1.4rem;
  margin-bottom: .35rem;
}
.contact-form p {
  color: var(--gray);
  font-size: .875rem;
  margin-bottom: 1.5rem;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; }
.form-group { margin-bottom: .85rem; }
.form-group label {
  display: block;
  font-size: .8rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .35rem;
  letter-spacing: .3px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: .7rem 1rem;
  border: 1.5px solid #d1d5db;
  border-radius: 8px;
  font-size: .88rem;
  font-family: 'Open Sans', sans-serif;
  color: var(--navy);
  transition: border-color .2s;
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--gold); }
.form-group textarea { resize: vertical; min-height: 80px; }
.form-submit {
  width: 100%;
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: .9rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: .95rem;
  cursor: pointer;
  transition: background .2s, transform .15s;
  font-family: 'Open Sans', sans-serif;
}
.form-submit:hover { background: var(--gold2); transform: translateY(-2px); }
.form-disclaimer {
  font-size: .73rem;
  color: var(--gray);
  text-align: center;
  margin-top: .85rem;
  line-height: 1.5;
}

/* ── WHY BROKER ───────────────────────────────────────── */
.why-broker { background: var(--light); }
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.why-points { list-style: none; }
.why-point {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.1rem 0;
  border-bottom: 1px solid #e5e7eb;
}
.why-point:last-child { border-bottom: none; }
.why-icon {
  width: 44px;
  height: 44px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-icon i { color: var(--gold); font-size: 1rem; }
.why-point h4 { font-size: .95rem; color: var(--navy); margin-bottom: .25rem; }
.why-point p { font-size: .85rem; color: var(--gray); line-height: 1.6; }
.why-img img { border-radius: 12px; width: 100%; box-shadow: var(--shadow); }

/* ── TESTIMONIALS ─────────────────────────────────────── */
.testimonials-header { text-align: center; margin-bottom: 3rem; }
.testimonials-header .divider { margin: 1rem auto 1.5rem; }
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.testi-card {
  background: var(--white);
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 1.75rem;
  position: relative;
  box-shadow: 0 2px 8px rgba(0,0,0,.05);
  transition: box-shadow .25s;
}
.testi-card:hover { box-shadow: var(--shadow); }
.testi-quote {
  font-size: 3rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: .5rem;
  font-family: 'Playfair Display', serif;
}
.testi-text {
  font-size: .9rem;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 1.25rem;
  font-style: italic;
}
.testi-stars { color: var(--gold); font-size: .85rem; margin-bottom: .6rem; }
.testi-name { font-weight: 700; font-size: .88rem; color: var(--navy); }
.testi-label { font-size: .78rem; color: var(--gray); }

/* ── PROCESS ──────────────────────────────────────────── */
.process { background: var(--light); }
.process-header { text-align: center; margin-bottom: 3rem; }
.process-header .divider { margin: 1rem auto 1.5rem; }
.process-steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 10%;
  width: 80%;
  height: 2px;
  background: var(--gold);
  opacity: .3;
}
.process-step { text-align: center; position: relative; }
.process-num {
  width: 72px;
  height: 72px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--gold);
  position: relative;
  z-index: 1;
}
.process-step h4 { font-size: .9rem; color: var(--navy); font-weight: 700; margin-bottom: .4rem; }
.process-step p { font-size: .8rem; color: var(--gray); line-height: 1.6; }

/* ── RESOURCES ────────────────────────────────────────── */
.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.resource-card {
  border: 1.5px solid #e5e7eb;
  border-radius: 10px;
  padding: 1.5rem;
  transition: border-color .2s, box-shadow .2s;
  cursor: pointer;
}
.resource-card:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 20px rgba(201,168,76,.15);
}
.resource-card i { font-size: 1.6rem; color: var(--gold); margin-bottom: .85rem; }
.resource-card h4 { font-size: .95rem; color: var(--navy); font-weight: 700; margin-bottom: .4rem; }
.resource-card p { font-size: .84rem; color: var(--gray); line-height: 1.65; }

/* ── CONTACT SECTION ──────────────────────────────────── */
.contact-section { background: var(--navy); color: var(--white); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 2rem; margin-bottom: 1rem; }
.contact-info h2 span { color: var(--gold); }
.contact-info p { opacity: .85; line-height: 1.8; margin-bottom: 2rem; font-size: .97rem; }
.contact-details { list-style: none; }
.contact-details li {
  display: flex;
  align-items: center;
  gap: .85rem;
  margin-bottom: 1rem;
  font-size: .92rem;
  opacity: .9;
}
.contact-details i {
  width: 38px;
  height: 38px;
  background: rgba(201,168,76,.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
}
.contact-details a { color: var(--white); }
.contact-details a:hover { color: var(--gold); }

/* ── FOOTER ───────────────────────────────────────────── */
footer {
  background: #0f1829;
  color: rgba(255,255,255,.6);
  padding: 3rem 2rem 1.5rem;
}
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand .nav-logo { color: var(--white); font-size: 1.35rem; margin-bottom: .85rem; }
.footer-brand p { font-size: .82rem; line-height: 1.7; margin-bottom: 1.25rem; }
.footer-social { display: flex; gap: .6rem; }
.footer-social a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.6);
  font-size: .9rem;
  transition: background .2s, color .2s;
}
.footer-social a:hover { background: var(--gold); color: var(--navy); }
.footer-col h4 { color: var(--white); font-size: .88rem; font-weight: 700; margin-bottom: 1rem; letter-spacing: .5px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: .55rem; }
.footer-col ul li a { color: rgba(255,255,255,.6); font-size: .82rem; transition: color .2s; }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer-bottom p { font-size: .75rem; line-height: 1.8; }
.footer-bottom a { color: var(--gold); }
.footer-nexa { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.nexa-badge {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: .78rem;
  padding: .35rem .9rem;
  border-radius: 50px;
  letter-spacing: .5px;
}
.equal-housing { font-size: 1.5rem; color: rgba(255,255,255,.5); }

/* ── BACK TO TOP ──────────────────────────────────────── */
.back-top {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  width: 44px;
  height: 44px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  cursor: pointer;
  box-shadow: 0 4px 16px rgba(0,0,0,.2);
  z-index: 999;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s, background .2s, transform .2s;
}
.back-top.visible { opacity: 1; pointer-events: all; }
.back-top:hover { background: var(--gold2); transform: translateY(-3px); }

/* ══════════════════════════════════════════════════
   INNER PAGE STYLES
   ══════════════════════════════════════════════════ */

/* ── PAGE HERO ────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 60%, #2e4080 100%);
  color: var(--white);
  padding: 60px 2rem 70px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero-inner { max-width: 1200px; margin: 0 auto; position: relative; }
.breadcrumb { font-size: .8rem; opacity: .65; margin-bottom: .85rem; }
.breadcrumb a { color: rgba(255,255,255,.7); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb .sep { margin: 0 .5rem; opacity: .4; }
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  line-height: 1.2;
  margin-bottom: .75rem;
}
.page-hero h1 span { color: var(--gold); }
.page-hero .hero-sub {
  font-size: 1.05rem;
  opacity: .85;
  max-width: 580px;
  line-height: 1.7;
}

/* ── CTA STRIP ────────────────────────────────────────── */
.cta-strip {
  background: var(--gold);
  padding: 2.5rem 2rem;
  text-align: center;
}
.cta-strip h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: .6rem;
}
.cta-strip p { color: var(--navy); opacity: .8; margin-bottom: 1.5rem; font-size: .97rem; }
.cta-strip .btn-navy {
  background: var(--navy);
  color: var(--white);
  padding: .85rem 2.5rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: .95rem;
  display: inline-block;
  transition: background .2s, transform .15s;
}
.cta-strip .btn-navy:hover { background: var(--navy2); transform: translateY(-2px); }
.cta-strip-inner { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ── FEATURE LIST ─────────────────────────────────────── */
.feature-list { list-style: none; }
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: .85rem;
  padding: .9rem 0;
  border-bottom: 1px solid #f0f2f5;
  font-size: .92rem;
  color: var(--gray);
  line-height: 1.6;
}
.feature-list li:last-child { border-bottom: none; }
.feature-list li i { color: var(--gold); margin-top: .1rem; flex-shrink: 0; }
.feature-list li strong { color: var(--navy); }

/* ── TWO-COLUMN CONTENT ───────────────────────────────── */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.two-col.center { align-items: center; }
.two-col img { border-radius: 12px; width: 100%; box-shadow: var(--shadow); }

/* ── INFO CARDS ───────────────────────────────────────── */
.info-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}
.info-card {
  background: var(--white);
  border: 1.5px solid #e5e7eb;
  border-radius: 12px;
  padding: 1.5rem;
  transition: border-color .2s, box-shadow .2s, transform .2s;
}
.info-card:hover {
  border-color: var(--gold);
  box-shadow: 0 6px 24px rgba(201,168,76,.12);
  transform: translateY(-3px);
}
.info-card .card-icon {
  width: 48px;
  height: 48px;
  background: rgba(201,168,76,.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: .85rem;
}
.info-card .card-icon i { color: var(--gold); font-size: 1.2rem; }
.info-card h4 { font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: .4rem; }
.info-card p { font-size: .84rem; color: var(--gray); line-height: 1.65; }

/* ── COMPARISON TABLE ─────────────────────────────────── */
.compare-table { width: 100%; border-collapse: collapse; margin-top: 1.5rem; }
.compare-table th {
  background: var(--navy);
  color: var(--white);
  padding: .9rem 1.2rem;
  text-align: left;
  font-size: .85rem;
  font-weight: 700;
}
.compare-table th:first-child { border-radius: 8px 0 0 0; }
.compare-table th:last-child { border-radius: 0 8px 0 0; }
.compare-table td {
  padding: .8rem 1.2rem;
  font-size: .85rem;
  border-bottom: 1px solid #e5e7eb;
  color: var(--gray);
  vertical-align: top;
}
.compare-table tr:nth-child(even) td { background: var(--light); }
.compare-table .check { color: #16a34a; font-weight: 700; }
.compare-table .cross { color: #dc2626; font-weight: 700; }

/* ── FAQ ACCORDION ────────────────────────────────────── */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid #e5e7eb;
  border-radius: 10px;
  margin-bottom: .85rem;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 1.1rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: 'Open Sans', sans-serif;
  font-size: .92rem;
  font-weight: 700;
  color: var(--navy);
  text-align: left;
  transition: background .2s;
}
.faq-question:hover { background: var(--light); }
.faq-question i { color: var(--gold); transition: transform .3s; flex-shrink: 0; margin-left: 1rem; }
.faq-item.open .faq-question { background: var(--light); }
.faq-item.open .faq-question i { transform: rotate(180deg); }
.faq-answer {
  display: none;
  padding: 0 1.5rem 1.1rem;
  font-size: .88rem;
  color: var(--gray);
  line-height: 1.75;
  background: var(--light);
}
.faq-item.open .faq-answer { display: block; }

/* ── CALCULATOR ───────────────────────────────────────── */
.calc-tabs {
  display: flex;
  gap: .5rem;
  margin-bottom: 2rem;
  flex-wrap: wrap;
}
.calc-tab {
  padding: .6rem 1.3rem;
  border: 2px solid #e5e7eb;
  border-radius: 50px;
  font-size: .85rem;
  font-weight: 700;
  color: var(--gray);
  cursor: pointer;
  transition: all .2s;
  background: var(--white);
}
.calc-tab.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.calc-tab:hover:not(.active) { border-color: var(--gold); color: var(--gold); }
.calc-box {
  background: var(--white);
  border: 1.5px solid #e5e7eb;
  border-radius: 16px;
  padding: 2rem;
  max-width: 700px;
}
.calc-box h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 1.5rem;
}
.calc-result {
  background: var(--navy);
  color: var(--white);
  border-radius: 12px;
  padding: 1.5rem;
  margin-top: 1.5rem;
  text-align: center;
}
.calc-result .result-label { font-size: .82rem; opacity: .7; margin-bottom: .3rem; }
.calc-result .result-value { font-size: 2.2rem; font-weight: 700; color: var(--gold); line-height: 1; }
.calc-result .result-sub { font-size: .8rem; opacity: .6; margin-top: .4rem; }
.calc-btn {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: .8rem 2rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: .92rem;
  cursor: pointer;
  font-family: 'Open Sans', sans-serif;
  transition: background .2s;
  margin-top: 1rem;
  width: 100%;
}
.calc-btn:hover { background: var(--gold2); }
.calc-panel { display: none; }
.calc-panel.active { display: block; }

/* ── DOCUMENT CHECKLIST ───────────────────────────────── */
.doc-section { margin-bottom: 2.5rem; }
.doc-section h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1rem;
  padding-bottom: .5rem;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
}
.doc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: .6rem;
  margin-top: .75rem;
}
.doc-item {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .87rem;
  color: var(--gray);
  padding: .5rem .75rem;
  background: var(--light);
  border-radius: 6px;
}
.doc-item i { color: var(--gold); font-size: .85rem; flex-shrink: 0; }

/* ── RESPONSIVE ───────────────────────────────────────── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-photo { max-width: 340px; margin: 0 auto; }
  .about-grid { grid-template-columns: 1fr; }
  .about-photo { max-width: 380px; }
  .preapproval-inner { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: repeat(3, 1fr); }
  .process-steps::before { display: none; }
  .two-col { grid-template-columns: 1fr; }
  .info-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .topbar { display: none; }
  .nav-links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 1rem;
    box-shadow: var(--shadow);
  }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .hero-text h1 { font-size: 2.1rem; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .resources-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .form-row { grid-template-columns: 1fr; }
  section { padding: 56px 1.25rem; }
  .page-hero h1 { font-size: 1.9rem; }
  .info-cards { grid-template-columns: 1fr; }
  .doc-grid { grid-template-columns: 1fr; }
  .calc-box { padding: 1.25rem; }
}