/* ============================================================
   MISTER MORTGAGE USA — main.css
   ============================================================ */

:root {
  --navy: #002654;
  --navy-deep: #011a3d;
  --navy-mid: #003580;
  --red: #D72A31;
  --red-dark: #b01f25;
  --red-light: rgba(215, 42, 49, 0.1);
  --red-glow: rgba(215, 42, 49, 0.25);
  --white: #FFFFFF;
  --bg-light: #F7F8FA;
  --bg-cream: #F2F4F8;
  --text: #1A1A2E;
  --text-muted: #6B7280;
  --text-light: #9CA3AF;
  --glass: rgba(255,255,255,0.92);
  --glass-border: rgba(0,38,84,0.12);
  --shadow: 0 8px 32px rgba(0,38,84,0.10);
  --shadow-lg: 0 20px 60px rgba(0,38,84,0.16);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: 0.35s cubic-bezier(0.4,0,0.2,1);
  --bg-dark: #0a1628;
  --bg-card: rgba(255,255,255,0.04);
  --border: rgba(0,38,84,0.15);
  --accent-green: #22c55e;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 160px; font-size: 16px; }
body { font-family: 'Poppins', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; cursor: none; }
body.menu-open { overflow: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { border: none; background: none; cursor: none; font-family: inherit; }

/* CURSOR */
#cursor-dot { position: fixed; width: 8px; height: 8px; background: var(--red); border-radius: 50%; pointer-events: none; z-index: 99999; transform: translate(-50%,-50%); transition: width .2s, height .2s, background .2s; }
#cursor-ring { position: fixed; width: 38px; height: 38px; border: 1.5px solid var(--red); border-radius: 50%; pointer-events: none; z-index: 99998; transform: translate(-50%,-50%); transition: width .3s, height .3s, border-color .3s; }
body.cursor-hover #cursor-dot { width: 12px; height: 12px; }
body.cursor-hover #cursor-ring { width: 52px; height: 52px; border-color: var(--red-dark); }
@media (hover: none), (pointer: coarse) {
  #cursor-dot, #cursor-ring { display: none !important; }
  body, button, .btn, a, .nav-link, .loan-card, .footer-social a, .nav-logo { cursor: auto !important; }
}

/* TYPOGRAPHY */
.display-font { font-family: 'Raleway', sans-serif; }
.section-label { display: inline-block; font-size: .75rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; color: var(--red); margin-bottom: 1rem; }
.section-title { font-family: 'Raleway', sans-serif; font-size: clamp(1.8rem,3.5vw,2.75rem); font-weight: 700; color: var(--navy); line-height: 1.2; margin-bottom: 1rem; }
.section-title em { font-style: italic; color: var(--red); }
.section-subtitle { font-size: 1.05rem; color: var(--text-muted); line-height: 1.7; max-width: 580px; }
.accent { color: var(--red); }
.red-line { width: 48px; height: 3px; background: var(--red); border-radius: 2px; margin: 1.25rem 0; }

/* BUTTONS */
.btn { display: inline-flex; align-items: center; gap: .5rem; padding: .85rem 2rem; border-radius: 6px; font-size: .95rem; font-weight: 600; transition: var(--transition); cursor: none; white-space: nowrap; }
.btn-red { background: var(--red); color: var(--white); box-shadow: 0 4px 20px rgba(215,42,49,.3); }
.btn-red:hover { background: var(--red-dark); box-shadow: 0 8px 32px rgba(215,42,49,.45); transform: translateY(-2px); }
.btn-outline { border: 1.5px solid var(--red); color: var(--red); background: transparent; }
.btn-outline:hover { background: var(--red-light); transform: translateY(-2px); }
.btn-outline-white { border: 1.5px solid rgba(255,255,255,.7); color: var(--white); background: transparent; }
.btn-outline-white:hover { background: rgba(255,255,255,.1); transform: translateY(-2px); }
.btn-white { background: var(--white); color: var(--navy); }
.btn-white:hover { background: var(--bg-light); transform: translateY(-2px); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-2px); }

/* REVEAL */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s cubic-bezier(.4,0,.2,1), transform .7s cubic-bezier(.4,0,.2,1); }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .2s; }
.reveal-delay-3 { transition-delay: .3s; }
.reveal-delay-4 { transition-delay: .4s; }

/* NAVBAR */
#navbar { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; padding: 1.1rem 0; transition: box-shadow .4s, padding .4s, top .4s; background: #fff; box-shadow: 0 1px 8px rgba(0,38,84,.08); }
body.has-ticker #navbar { top: 36px; }
#navbar.scrolled { background: #fff; box-shadow: 0 2px 24px rgba(0,38,84,.12); padding: .75rem 0; border-bottom: 1px solid rgba(0,38,84,.08); }
.nav-inner { max-width: 1400px; margin: 0 auto; padding: 0 1.25rem; display: flex; align-items: center; gap: 2rem; }
.nav-logo { flex-shrink: 0; cursor: none; background: transparent; border: none; transition: background .4s, border-color .4s; }
#navbar.scrolled .nav-logo { background: transparent; border-color: transparent; backdrop-filter: none; -webkit-backdrop-filter: none; }
.nav-logo img { height: 68px; width: auto; object-fit: contain; transition: filter .4s; }
#navbar.scrolled .nav-logo img { filter: none; }
.nav-links { display: flex; align-items: center; gap: .25rem; margin-left: auto; }
.nav-link { font-size: .88rem; font-weight: 500; color: var(--navy); padding: .5rem .85rem; border-radius: 6px; transition: color .2s, background .2s; cursor: none; position: relative; }
.nav-link:hover { color: var(--red); }
.nav-link.active { background: var(--red) !important; color: var(--white) !important; border-radius: 6px; }
#navbar.scrolled .nav-link:hover { background: var(--red-light); color: var(--red); }
#navbar.scrolled .nav-link.active { background: var(--red) !important; color: var(--white) !important; }
.nav-cta { margin-left: .75rem; font-size: .82rem; padding: .6rem 1.25rem; }
/* ── LANG TOGGLE ── */
#lang-toggle { display: flex; align-items: center; gap: 0; background: rgba(0,38,84,0.06); border: 1px solid rgba(0,38,84,0.18); border-radius: 20px; padding: 3px; cursor: pointer; font-family: inherit; flex-shrink: 0; margin-left: .5rem; transition: var(--transition); }
#lang-toggle:hover { border-color: rgba(0,38,84,0.35); }
.lang-opt { font-size: .75rem; font-weight: 700; letter-spacing: .06em; padding: .3rem .65rem; border-radius: 16px; color: rgba(0,38,84,0.45); transition: var(--transition); }
#lang-toggle[data-current-lang="en"] .lang-opt[data-lang="en"],
#lang-toggle[data-current-lang="es"] .lang-opt[data-lang="es"] { background: var(--red); color: var(--white); box-shadow: 0 2px 8px rgba(215,42,49,.4); }
.nav-hamburger { display: none; flex-direction: column; gap: 5px; cursor: none; padding: .5rem; margin-left: auto; }
.nav-hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: var(--transition); }

/* ── MOBILE NAV BACKDROP ── */
.nav-mobile-backdrop { display: none; position: fixed; inset: 0; background: rgba(0,26,61,.55); z-index: 1001; backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px); }
.nav-mobile-backdrop.open { display: block; }

/* ── MOBILE NAV PANEL (slides from right) ── */
.nav-mobile { position: fixed; top: 0; right: 0; height: 100%; width: min(300px, 85vw); background: var(--white); z-index: 1002; display: flex; flex-direction: column; transform: translateX(100%); transition: transform .32s cubic-bezier(.4,0,.2,1); box-shadow: -8px 0 48px rgba(0,38,84,.22); overflow-y: auto; visibility: hidden; }
.nav-mobile.open { transform: translateX(0); visibility: visible; }

/* Panel header */
.nm-header { display: flex; align-items: center; justify-content: space-between; padding: 1rem 1.25rem; border-bottom: 1px solid var(--glass-border); background: #fff; flex-shrink: 0; }
.nm-logo { height: 44px; width: auto; }
.nav-mobile-close { font-size: 1.5rem; color: var(--navy); background: rgba(0,38,84,.08); border: none; width: 36px; height: 36px; border-radius: 8px; display: flex; align-items: center; justify-content: center; cursor: pointer; transition: background .2s; line-height: 1; flex-shrink: 0; }
.nav-mobile-close:hover { background: rgba(0,38,84,.15); }

/* Nav links */
.nm-links { display: flex; flex-direction: column; padding: .75rem .75rem 0; flex: 1; }
.nm-links .nav-link { font-size: .95rem; font-weight: 600; color: var(--navy); padding: .8rem 1rem; border-radius: 8px; display: flex; align-items: center; transition: background .18s, color .18s, border-color .18s; border-left: 3px solid transparent; font-family: 'Poppins', sans-serif; }
.nm-links .nav-link:hover { background: var(--red-light); color: var(--red); border-left-color: var(--red); }
.nm-links .nav-link.active { background: var(--red) !important; color: var(--white) !important; border-left-color: var(--red); }

/* CTA button */
.nm-cta-wrap { padding: 1rem .75rem; }
.nm-cta-wrap .btn { width: 100%; text-align: center; font-size: .85rem; padding: .8rem 1rem; justify-content: center; }

/* Contact info cards */
.nm-contact { border-top: 1px solid var(--glass-border); padding: .75rem .75rem 1.5rem; display: flex; flex-direction: column; gap: .45rem; }
.nm-contact-item { display: flex; align-items: center; gap: .85rem; padding: .7rem .9rem; border-radius: 10px; background: #f4f7fb; border: 1px solid var(--glass-border); text-decoration: none; transition: background .18s, border-color .18s; }
.nm-contact-item:hover { background: var(--red-light); border-color: rgba(215,42,49,.25); }
.nm-contact-icon { width: 36px; height: 36px; border-radius: 8px; background: var(--navy); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.nm-contact-icon svg { width: 17px; height: 17px; fill: white; }
.nm-contact-icon.wa { background: #25D366; }
.nm-contact-text { display: flex; flex-direction: column; }
.nm-contact-label { font-size: .68rem; font-weight: 700; color: #6b7280; text-transform: uppercase; letter-spacing: .06em; }
.nm-contact-value { font-size: .84rem; font-weight: 600; color: var(--navy); }
.nm-contact-item:hover .nm-contact-value { color: var(--red); }

/* CONTAINER */
.container { max-width: 1400px; margin: 0 auto; padding: 0 1.25rem; }
.section-inner { max-width: 1400px; margin: 0 auto; padding: 0 1.25rem; }
.section-header { text-align: center; margin-bottom: 4rem; }

/* ── NAV MEGA MENU ── */
.nav-mega-wrap { position: relative; }
.nav-mega {
  position: absolute;
  top: calc(100% + 4px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 64px rgba(0,38,84,.18);
  padding: 1.25rem;
  width: 500px;
  display: none;
  z-index: 200;
  border: 1px solid var(--glass-border);
  animation: megaFade .2s ease;
}
.nav-mega::before {
  content: '';
  position: absolute;
  top: -12px; left: 0; right: 0;
  height: 12px;
}
.nav-mega-wrap:hover .nav-mega { display: block; }
@keyframes megaFade { from { opacity:0; transform: translateX(-50%) translateY(-6px); } to { opacity:1; transform: translateX(-50%) translateY(0); } }
.nav-mega-cols { display: grid; grid-template-columns: 1fr 1fr; gap: .2rem; }
.nav-mega-item {
  display: flex;
  align-items: center;
  gap: .65rem;
  padding: .6rem .85rem;
  color: var(--navy);
  font-size: .83rem;
  font-weight: 500;
  border-radius: 8px;
  transition: background .15s, color .15s;
  cursor: none;
  text-decoration: none;
}
.nav-mega-item:hover { background: var(--red-light); color: var(--red); }
.nav-mega-item-icon {
  width: 30px; height: 30px;
  background: var(--red-light);
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.nav-mega-item-icon svg { width: 15px; height: 15px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.nav-mega-item:hover .nav-mega-item-icon { background: rgba(215,42,49,.2); }
.nav-mega-footer { border-top: 1px solid var(--glass-border); margin-top: 1rem; padding-top: .85rem; text-align: center; }
.nav-mega-footer a { font-size: .82rem; font-weight: 700; color: var(--red); letter-spacing: .02em; }
.nav-mega-footer a:hover { text-decoration: underline; }
.nav-dropdown-arrow { font-size: .7rem; margin-left: .25rem; display: inline-block; transition: transform .2s; }
.nav-mega-wrap:hover .nav-dropdown-arrow { transform: rotate(180deg); }

/* ── WHATSAPP BUTTON ── */
.whatsapp-btn { position: fixed; bottom: 2rem; right: 2rem; z-index: 9000; width: 60px; height: 60px; background: #25D366; border: none; border-radius: 50%; display: flex; align-items: center; justify-content: center; box-shadow: 0 6px 24px rgba(37,211,102,.45); transition: transform .25s, box-shadow .25s; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.whatsapp-btn:hover { transform: scale(1.12); box-shadow: 0 10px 32px rgba(37,211,102,.6); }
.whatsapp-btn svg { width: 30px; height: 30px; fill: #fff; }
.wa-chat-widget .whatsapp-btn::before { content: 'Chat with us!'; position: absolute; right: 72px; background: var(--navy); color: #fff; font-size: .78rem; font-weight: 600; padding: .4rem .9rem; border-radius: 6px; white-space: nowrap; opacity: 0; pointer-events: none; transition: opacity .2s; font-family: 'Poppins', sans-serif; }
.wa-chat-widget .whatsapp-btn:hover::before { opacity: 1; }
@keyframes waPulse { 0%,100%{box-shadow:0 6px 24px rgba(37,211,102,.45);} 50%{box-shadow:0 6px 32px rgba(37,211,102,.8);} }
.whatsapp-btn { animation: waPulse 2.5s ease infinite; }

/* ── WHATSAPP CHAT WIDGET ── */
.wa-chat-widget { position: fixed; bottom: 2rem; right: 2rem; z-index: 9000; display: flex; flex-direction: column; align-items: flex-end; gap: .75rem; }
.wa-chat-popup { display: none; background: #fff; border-radius: 16px; box-shadow: 0 8px 40px rgba(0,0,0,.18); width: 320px; overflow: hidden; transform-origin: bottom right; transform: scale(0.85); opacity: 0; pointer-events: none; transition: transform .25s cubic-bezier(.34,1.56,.64,1), opacity .2s; }
.wa-chat-popup.open { transform: scale(1); opacity: 1; pointer-events: all; }
.wa-chat-header { background: #075E54; padding: 1rem 1.1rem; display: flex; align-items: center; gap: .75rem; }
.wa-chat-avatar { width: 42px; height: 42px; border-radius: 50%; overflow: hidden; flex-shrink: 0; background: #fff; display: flex; align-items: center; justify-content: center; }
.wa-chat-avatar img { width: 100%; height: 100%; object-fit: cover; }
.wa-chat-info { flex: 1; }
.wa-chat-name { display: block; color: #fff; font-weight: 700; font-size: .92rem; }
.wa-chat-status { font-size: .74rem; color: rgba(255,255,255,.8); }
.wa-chat-close { background: none; border: none; color: rgba(255,255,255,.8); font-size: 1.4rem; cursor: pointer; padding: 0; line-height: 1; transition: color .2s; }
.wa-chat-close:hover { color: #fff; }
.wa-chat-body { background: #ECE5DD; padding: 1rem; min-height: 90px; display: flex; align-items: flex-start; }
.wa-chat-bubble { background: #fff; border-radius: 0 12px 12px 12px; padding: .75rem 1rem; max-width: 85%; box-shadow: 0 1px 2px rgba(0,0,0,.1); }
.wa-chat-bubble p { font-size: .85rem; color: #333; margin: 0 0 .35rem; line-height: 1.45; }
.wa-chat-bubble-time { font-size: .7rem; color: #999; display: block; text-align: right; }
.wa-chat-footer { padding: .75rem; display: flex; gap: .5rem; background: #F0F0F0; align-items: flex-end; }
.wa-chat-input { flex: 1; border: none; border-radius: 20px; padding: .6rem 1rem; font-size: .85rem; font-family: 'Poppins', sans-serif; resize: none; outline: none; background: #fff; line-height: 1.4; max-height: 80px; overflow-y: auto; }
.wa-chat-send { width: 40px; height: 40px; background: #075E54; border: none; border-radius: 50%; cursor: pointer; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: background .2s; }
.wa-chat-send:hover { background: #128C7E; }
.wa-chat-send svg { width: 18px; height: 18px; fill: #fff; }

/* ── PRE-QUAL MODAL ── */
.modal-overlay { position: fixed; inset: 0; background: rgba(0,22,60,.75); backdrop-filter: blur(6px); z-index: 10000; display: none; align-items: center; justify-content: center; padding: 1.5rem; }
.modal-overlay.open { display: flex; }
.modal-box { background: var(--white); border-radius: var(--radius-lg); padding: 2.5rem; max-width: 580px; width: 100%; position: relative; max-height: 90vh; overflow-y: auto; }
.modal-close { position: absolute; top: 1.25rem; right: 1.25rem; width: 36px; height: 36px; border-radius: 50%; background: var(--bg-light); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; color: var(--text-muted); transition: background .2s; cursor: pointer; border: none; font-family: inherit; }
.modal-close:hover { background: var(--red-light); color: var(--red); }
.modal-progress-bar { height: 4px; background: var(--bg-cream); border-radius: 2px; margin-bottom: 1.75rem; overflow: hidden; }
.modal-progress-fill { height: 100%; background: var(--red); border-radius: 2px; transition: width .4s ease; }
.modal-step-label { font-size: .78rem; font-weight: 600; color: var(--text-muted); letter-spacing: .1em; text-transform: uppercase; margin-bottom: .5rem; }
.modal-question { font-family: 'Raleway', sans-serif; font-size: 1.4rem; font-weight: 700; color: var(--navy); margin-bottom: 1.75rem; line-height: 1.3; }
.modal-options { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; margin-bottom: 2rem; }
.modal-options.cols-1 { grid-template-columns: 1fr; }
.modal-option { border: 2px solid rgba(0,38,84,.12); border-radius: var(--radius); padding: 1rem 1.25rem; text-align: center; cursor: pointer; transition: border-color .2s, background .2s, transform .15s; font-weight: 500; color: var(--text); font-size: .93rem; background: var(--white); font-family: inherit; }
.modal-option:hover { border-color: var(--red); background: var(--red-light); transform: translateY(-2px); }
.modal-option.selected { border-color: var(--red); background: var(--red-light); color: var(--red); font-weight: 700; }
.modal-option span { display: block; font-size: .8rem; color: var(--text-muted); font-weight: 400; margin-top: .2rem; }
.modal-nav { display: flex; gap: 1rem; justify-content: space-between; align-items: center; }
.modal-btn-back { background: var(--bg-light); color: var(--text-muted); border: none; padding: .75rem 1.5rem; border-radius: 6px; font-weight: 600; cursor: pointer; font-family: inherit; font-size: .93rem; transition: background .2s; }
.modal-btn-back:hover { background: var(--bg-cream); }
.modal-btn-next { background: var(--red); color: var(--white); border: none; padding: .75rem 2rem; border-radius: 6px; font-weight: 600; cursor: pointer; font-family: inherit; font-size: .93rem; transition: background .2s, transform .15s; }
.modal-btn-next:hover { background: var(--red-dark); transform: translateY(-1px); }
.modal-form { display: flex; flex-direction: column; gap: 1rem; }
.modal-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.modal-form .form-group label { font-size: .82rem; font-weight: 600; color: var(--navy); letter-spacing: .04em; display: block; margin-bottom: .35rem; }
.modal-form .form-group input { width: 100%; padding: .8rem 1rem; border: 1.5px solid rgba(0,38,84,.12); border-radius: 8px; font-family: 'Poppins', sans-serif; font-size: .93rem; color: var(--text); outline: none; transition: border-color .2s; }
.modal-form .form-group input:focus { border-color: var(--red); box-shadow: 0 0 0 3px rgba(215,42,49,.08); }
.modal-success { text-align: center; padding: 2rem 0; }
.modal-success-icon { width: 72px; height: 72px; background: #d1fae5; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.5rem; }
.modal-success-icon svg { width: 36px; height: 36px; stroke: #059669; fill: none; stroke-width: 2.5; }
.modal-success h3 { font-family: 'Raleway', sans-serif; font-size: 1.6rem; color: var(--navy); margin-bottom: .75rem; }
.modal-success p { color: var(--text-muted); line-height: 1.7; }

/* ── LOAN INFO MODAL ── */
.loan-info-box { max-width: 580px; }
.loan-info-img-wrap { margin: -2.5rem -2.5rem 1.5rem; overflow: hidden; border-radius: var(--radius-lg) var(--radius-lg) 0 0; height: 220px; }
.loan-info-img-wrap img { width: 100%; height: 100%; object-fit: cover; display: block; }
.loan-info-icon-wrap { width: 64px; height: 64px; background: var(--red-light); border-radius: 16px; display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem; }
.loan-info-icon-wrap svg { width: 32px; height: 32px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.loan-info-title { font-family: 'Raleway', sans-serif; font-size: 1.6rem; font-weight: 800; color: var(--navy); margin-bottom: .75rem; line-height: 1.2; }
.loan-info-desc { font-size: .95rem; color: var(--text-muted); line-height: 1.75; margin-bottom: 1.5rem; }
.loan-info-benefits { display: flex; flex-direction: column; gap: .6rem; margin-bottom: 1.75rem; }
.loan-info-benefit { display: flex; gap: .65rem; align-items: center; font-size: .88rem; color: var(--text); font-weight: 500; }
.loan-info-benefit-dot { width: 8px; height: 8px; background: var(--red); border-radius: 50%; flex-shrink: 0; }
.loan-info-actions { display: flex; gap: .75rem; flex-wrap: wrap; }

/* ── HOME: HERO ── */
#hero { position: relative; min-height: 100vh; display: flex; align-items: center; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; }
.hero-bg .hero-slide { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0; transition: opacity 1.2s ease; }
.hero-bg .hero-slide.active { opacity: 1; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(120deg, rgba(255,255,255,.97) 0%, rgba(255,255,255,.93) 50%, rgba(255,255,255,.82) 100%); }
#hero::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 220px; background: linear-gradient(to bottom, transparent 0%, rgba(255,255,255,.6) 50%, #ffffff 100%); z-index: 1; pointer-events: none; }
.hero-content { position: relative; z-index: 1; max-width: 1400px; margin: 0 auto; padding: 8rem 1.25rem 5rem; display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
body.has-ticker .hero-content { padding-top: calc(8rem + 36px); }
.hero-badge { display: inline-flex; align-items: center; gap: .5rem; background: rgba(215,42,49,.12); border: 1px solid rgba(215,42,49,.35); border-radius: 100px; padding: .4rem 1rem; font-size: .78rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--red); margin-bottom: 1.75rem; }
.hero-badge-dot { width: 6px; height: 6px; background: var(--red); border-radius: 50%; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: .4; } }
.hero-h1 { font-family: 'Raleway', sans-serif; font-size: clamp(2.4rem,5vw,3.8rem); font-weight: 900; color: var(--navy); line-height: 1.1; margin-bottom: 1.25rem; }
.hero-h1 em { font-style: italic; color: #ff3333; }
.hero-sub { font-size: 1.05rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 2.25rem; max-width: 500px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 3rem; }
.hero-trust { display: flex; gap: 2.5rem; }
.hero-trust-item { text-align: center; }
.hero-trust-num { font-family: 'Raleway', sans-serif; font-size: 1.8rem; font-weight: 700; color: var(--navy); }
.hero-trust-label { font-size: .73rem; letter-spacing: .1em; text-transform: uppercase; color: var(--text-muted); }
.hero-right { position: relative; }
.hero-img-wrap { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); position: relative; }
.hero-img-wrap img { width: 100%; height: 420px; object-fit: cover; }
.hero-img-badge { position: absolute; bottom: 1.5rem; left: 1.5rem; background: var(--white); border-radius: var(--radius); padding: 1rem 1.5rem; box-shadow: var(--shadow); }
.hero-img-badge span:first-child { font-family: 'Raleway', sans-serif; font-size: 1.6rem; font-weight: 700; color: var(--navy); display: block; }
.hero-img-badge span:last-child { font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; color: var(--text-muted); }

/* ── HOME: LOANS PREVIEW / CAROUSEL ── */
#loans-preview { padding: 7rem 0; background: var(--bg-light); position: relative; }
#loans-preview::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(0,38,84,.06) 1px, transparent 1px); background-size: 22px 22px; pointer-events: none; }
.loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-bottom: 3rem; }
.loan-card { background: var(--white); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow); transition: var(--transition); border-top: 3px solid transparent; cursor: none; }
.loan-card:hover { transform: scale(1.03); box-shadow: var(--shadow-lg); border-top-color: transparent; }
.loan-icon { width: 52px; height: 52px; background: var(--red-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 1.25rem; }
.loan-icon svg { width: 26px; height: 26px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.loan-card h3 { font-family: 'Raleway', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: .6rem; }
.loan-card p { font-size: .88rem; color: var(--text-muted); line-height: 1.65; }
.loans-cta { text-align: center; }
.loans-carousel-wrap { position: relative; }
.loans-carousel { overflow: visible; padding: .5rem 0 1.5rem; }
.loans-carousel-wrap { overflow: hidden; padding: .5rem; margin: -.5rem; }
.loans-track { display: flex; gap: 1.5rem; transition: transform .55s cubic-bezier(.4,0,.2,1); will-change: transform; padding: .5rem; margin: -.5rem; }
.loan-slide { flex: 0 0 calc(33.333% - 1rem); min-width: 0; }
.loan-slide .loan-card { cursor: pointer; height: 100%; margin: 0; border-bottom: 3px solid transparent; transition: var(--transition); }
.loan-slide .loan-card:hover { transform: scale(1.03); box-shadow: var(--shadow-lg); border-top-color: transparent; }
.loan-slide .loan-card .loan-chip { display: inline-block; font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--red); background: var(--red-light); border-radius: 100px; padding: .25rem .75rem; margin-bottom: .75rem; }
.loan-slide .loan-card .loan-cta-hint { font-size: .78rem; color: var(--red); font-weight: 600; margin-top: 1rem; display: flex; align-items: center; gap: .3rem; }
.carousel-nav { display: flex; align-items: center; gap: 1rem; justify-content: center; margin-top: 2rem; }
.carousel-btn { width: 46px; height: 46px; background: var(--white); border: 2px solid rgba(0,38,84,.12); border-radius: 50%; display: flex; align-items: center; justify-content: center; cursor: pointer; transition: all .2s; flex-shrink: 0; }
.carousel-btn:hover { background: var(--red); border-color: var(--red); }
.carousel-btn:hover svg { stroke: var(--white); }
.carousel-btn svg { width: 20px; height: 20px; stroke: var(--navy); fill: none; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.carousel-dots { display: flex; gap: .45rem; align-items: center; }
.carousel-dot { width: 8px; height: 8px; border-radius: 50%; background: rgba(0,38,84,.18); cursor: pointer; transition: background .25s, width .25s, border-radius .25s; border: none; padding: 0; }
.carousel-dot.active { background: var(--red); width: 26px; border-radius: 4px; }
@media (max-width: 900px) { .loan-slide { flex: 0 0 calc(50% - .75rem); } }
@media (max-width: 600px) { .loan-slide { flex: 0 0 85%; } }

/* ── HOME: ABOUT SNIPPET ── */
#about-snippet { padding: 0; background: var(--white); overflow: hidden; }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0; align-items: stretch; min-height: 600px; }
.about-img-wrap { position: relative; overflow: hidden; background: var(--navy-deep); }
.about-img-wrap img { width: 100%; height: 100%; min-height: 560px; object-fit: cover; display: block; opacity: .85; }
.about-img-badge { position: absolute; bottom: 2.5rem; left: 2.5rem; background: var(--red); color: var(--white); border-radius: var(--radius); padding: 1.25rem 1.75rem; text-align: center; box-shadow: var(--shadow-lg); }
.about-img-badge strong { font-family: 'Raleway', sans-serif; font-size: 2.2rem; color: var(--white); display: block; line-height: 1; }
.about-img-badge span { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.85); }
.about-copy { padding: 5rem 5rem 5rem 4.5rem; display: flex; flex-direction: column; justify-content: center; background: var(--white); }
.about-copy p { color: var(--text-muted); line-height: 1.8; margin-bottom: 1.5rem; font-size: .97rem; }
.about-pillars { display: grid; grid-template-columns: 1fr; gap: 0; margin-top: 2rem; margin-bottom: 2.5rem; }
.about-pillar { display: flex; align-items: flex-start; gap: 1rem; padding: 1rem 0; border-bottom: 1px solid var(--border); }
.about-pillar::before { content: '✓'; display: flex; align-items: center; justify-content: center; min-width: 24px; height: 24px; background: var(--red); color: var(--white); border-radius: 50%; font-size: .7rem; font-weight: 800; line-height: 1; margin-top: 2px; flex-shrink: 0; }
.about-pillar strong { font-size: .97rem; font-weight: 700; color: var(--navy); display: block; margin-bottom: .3rem; }
.about-pillar span { font-size: .88rem; color: var(--text-muted); }

/* ── STATS BAND ── */
.stats-band { background: var(--navy); padding: 5rem 0; position: relative; overflow: hidden; }
.stats-band::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(215,42,49,.06) 0%, transparent 50%, rgba(0,53,128,.3) 100%); pointer-events: none; }
.stats-band::after { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, transparent, var(--red), transparent); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; text-align: center; }
.stat-item { padding: 1rem 2rem; position: relative; }
.stat-item:not(:last-child)::after { content: ''; position: absolute; right: 0; top: 50%; transform: translateY(-50%); height: 60%; width: 1px; background: rgba(255,255,255,.12); }
.stat-num { font-family: 'Raleway', sans-serif; font-size: clamp(2.2rem,4vw,3.2rem); font-weight: 800; color: var(--white); line-height: 1; margin-bottom: .5rem; }
.stat-num span { color: var(--red); }
.stat-label { font-size: .75rem; font-weight: 500; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.45); }

/* ── TESTIMONIALS ── */
#testimonials { padding: 7rem 0; background: var(--bg-cream); }
.testimonials-carousel-wrap { display: flex; align-items: center; gap: 1.5rem; margin-top: 3rem; }
.testimonials-carousel-viewport { flex: 1; overflow: hidden; border-radius: var(--radius-lg); }
.testimonials-track { display: flex; gap: 1.5rem; transition: transform .5s cubic-bezier(.4,0,.2,1); }
.testimonials-arrow { width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--border); background: var(--white); display: flex; align-items: center; justify-content: center; flex-shrink: 0; cursor: pointer; transition: var(--transition); box-shadow: var(--shadow); z-index: 5; position: relative; }
.testimonials-arrow:hover { border-color: var(--red); color: var(--red); transform: scale(1.08); }
.testimonials-arrow svg { width: 18px; height: 18px; color: var(--navy); transition: color .2s; }
.testimonials-arrow:hover svg { color: var(--red); }
.testimonials-footer { display: flex; flex-direction: column; align-items: center; justify-content: center; margin-top: 2rem; gap: 1.25rem; }
.testimonials-dots { display: flex; gap: .5rem; align-items: center; }
.testimonial-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--border); border: none; cursor: pointer; transition: all .3s ease; padding: 0; }
.testimonial-dot.active { background: var(--red); width: 24px; border-radius: 4px; }
.google-review-btn { display: inline-flex; align-items: center; gap: .6rem; padding: .65rem 1.4rem; border: 1.5px solid var(--border); border-radius: 8px; font-size: .85rem; font-weight: 600; color: var(--navy); background: var(--white); transition: var(--transition); box-shadow: 0 2px 8px rgba(0,38,84,.07); cursor: pointer; }
.google-review-btn:hover { border-color: #4285F4; color: #4285F4; box-shadow: 0 4px 16px rgba(66,133,244,.15); transform: translateY(-2px); }
.testimonial-card { background: var(--white); border-radius: var(--radius-lg); padding: 2rem 2rem; box-shadow: var(--shadow); position: relative; flex-shrink: 0; }
.testimonial-card::before { content: '\201C'; font-family: 'Raleway', sans-serif; font-size: 5rem; color: var(--red); line-height: 1; position: absolute; top: 1rem; right: 1.5rem; opacity: .15; }
.testimonial-stars { display: flex; gap: .2rem; margin-bottom: 1.25rem; }
.testimonial-stars svg { width: 16px; height: 16px; fill: var(--red); }
.testimonial-card p { font-size: .93rem; color: var(--text-muted); line-height: 1.75; margin-bottom: 1.75rem; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: .75rem; }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--red-light); display: flex; align-items: center; justify-content: center; font-family: 'Raleway', sans-serif; font-weight: 700; color: var(--red); font-size: 1rem; flex-shrink: 0; }
.testimonial-author-info strong { display: block; font-size: .9rem; font-weight: 700; color: var(--navy); }
.testimonial-author-info span { font-size: .78rem; color: var(--text-muted); }

/* ── CTA BAND ── */
.cta-band { position: relative; padding: 9rem 0; text-align: center; }
.cta-band-bg { position: absolute; inset: 0; background: url('https://images.unsplash.com/photo-1533106497176-45ae19e68ba2?w=1920&q=85') center/cover no-repeat fixed; }
.cta-band-overlay { position: absolute; inset: 0; background: linear-gradient(160deg, rgba(0,22,60,.72) 0%, rgba(0,38,84,.60) 50%, rgba(0,53,128,.68) 100%); }
.cta-band-content { position: relative; z-index: 1; }
.cta-band-content .section-label { color: #ff3333; }
.cta-band-content h2 { font-family: 'Raleway', sans-serif; font-size: clamp(2rem,4vw,3rem); font-weight: 900; color: var(--white); margin: 0 auto 1rem; max-width: 700px; }
.cta-band-content p { color: rgba(255,255,255,.7); font-size: 1rem; margin-bottom: 2.5rem; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-band-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ── PAGE HERO (inner pages) ── */
.page-hero { background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-mid) 100%); padding: 10rem 0 5rem; 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-content { position: relative; z-index: 1; }
.page-hero span.section-label { color: rgba(255,150,150,.9); }
.page-hero h1 { font-family: 'Raleway', sans-serif; font-size: clamp(2.2rem,5vw,3.5rem); font-weight: 900; color: var(--white); line-height: 1.15; margin-bottom: 1rem; }
.page-hero p { color: rgba(255,255,255,.7); font-size: 1.05rem; max-width: 560px; line-height: 1.7; }

/* ── LOANS PAGE ── */
#loans-page-content { padding: 6rem 0; background: var(--bg-light); }
.loans-full-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2rem; }
.loan-full-card { background: var(--white); border-radius: var(--radius-lg); padding: 2.25rem; box-shadow: var(--shadow); display: flex; gap: 1.5rem; transition: var(--transition); border-left: 4px solid transparent; cursor: none; }
.loan-full-card:hover { border-left-color: var(--red); box-shadow: var(--shadow-lg); transform: translateX(4px); }
.loan-full-icon { width: 56px; height: 56px; background: var(--red-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.loan-full-icon svg { width: 28px; height: 28px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.loan-full-body h3 { font-family: 'Raleway', sans-serif; font-size: 1.15rem; font-weight: 700; color: var(--navy); margin-bottom: .6rem; }
.loan-full-body p { font-size: .9rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 1rem; }
.loan-full-card .btn { font-size: .82rem; padding: .55rem 1.25rem; }
.loans-page-cta { background: var(--navy); padding: 5rem 0; text-align: center; }
.loans-page-cta h2 { font-family: 'Raleway', sans-serif; font-size: clamp(1.7rem,3vw,2.5rem); color: var(--white); margin-bottom: 1rem; }
.loans-page-cta p { color: rgba(255,255,255,.65); margin-bottom: 2rem; }

/* ── ABOUT PAGE ── */
#about-page-content { padding: 7rem 0; }
.about-full-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; }
.about-full-copy .section-subtitle { max-width: 100%; margin-bottom: 1.5rem; }
.about-full-copy p { color: var(--text-muted); line-height: 1.85; font-size: .97rem; margin-bottom: 1.25rem; }
.about-trust-badge { display: inline-flex; align-items: center; gap: .75rem; background: var(--red-light); border: 1px solid rgba(215,42,49,.2); border-radius: var(--radius); padding: 1rem 1.5rem; margin-top: 1.5rem; }
.about-trust-badge svg { width: 24px; height: 24px; stroke: var(--red); fill: none; stroke-width: 1.8; flex-shrink: 0; }
.about-trust-badge span { font-size: .88rem; font-weight: 600; color: var(--red); }
.about-visual { position: relative; }
.about-visual img { width: 100%; height: 500px; object-fit: cover; border-radius: var(--radius-lg); }
.about-visual-badge { position: absolute; top: 2rem; left: -2rem; background: var(--navy); color: var(--white); padding: 1.25rem 1.75rem; border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.about-visual-badge strong { font-family: 'Raleway', sans-serif; font-size: 2rem; color: var(--white); display: block; line-height: 1; }
.about-visual-badge span { font-size: .73rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.55); }
.about-process { padding: 7rem 0; background: var(--bg-light); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.process-step { text-align: center; position: relative; }
.process-step::after { content: ''; position: absolute; top: 2rem; left: calc(50% + 2.5rem); width: calc(100% - 5rem); height: 1px; background: rgba(0,38,84,.1); }
.process-step:last-child::after { display: none; }
.process-num { width: 56px; height: 56px; background: var(--navy); color: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: 'Raleway', sans-serif; font-size: 1.3rem; font-weight: 700; margin: 0 auto 1.25rem; position: relative; z-index: 1; }
.process-step h4 { font-weight: 700; color: var(--navy); margin-bottom: .4rem; font-size: .97rem; }
.process-step p { font-size: .85rem; color: var(--text-muted); line-height: 1.6; }

/* ── TEAM PAGE ── */
#team-page-content { padding: 7rem 0; background: var(--bg-light); }
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.team-card { background: var(--white); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); transition: var(--transition); cursor: none; }
.team-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); }
.team-photo { width: 100%; height: 300px; object-fit: cover; object-position: top; }
.team-info { padding: 1.75rem; text-align: center; border-top: 3px solid var(--red); }
.team-info h3 { font-family: 'Raleway', sans-serif; font-size: 1.2rem; font-weight: 700; color: var(--navy); margin-bottom: .25rem; }
.team-info span.role { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: var(--red); font-weight: 600; display: block; margin-bottom: .75rem; }
.team-actions { display: flex; gap: .75rem; justify-content: center; margin-top: 1.25rem; flex-wrap: wrap; }
.team-actions .btn { font-size: .8rem; padding: .55rem 1.1rem; }

/* ── CONTACT PAGE ── */
#contact-page-content { padding: 7rem 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 5rem; margin-bottom: 5rem; }
.contact-info-cards { display: flex; flex-direction: column; gap: 1.25rem; margin-bottom: 2rem; }
.contact-info-card { display: flex; gap: 1rem; align-items: flex-start; padding: 1.25rem; background: var(--bg-light); border-radius: var(--radius); border-left: 3px solid var(--red); }
.contact-info-icon { width: 44px; height: 44px; background: var(--red-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-info-icon svg { width: 22px; height: 22px; stroke: var(--red); fill: none; stroke-width: 1.8; }
.contact-info-text strong { display: block; font-size: .8rem; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: .07em; margin-bottom: .2rem; }
.contact-info-text span, .contact-info-text a { font-size: .9rem; color: var(--text-muted); line-height: 1.6; }
.contact-info-text a:hover { color: var(--red); }
.contact-map { border-radius: var(--radius); overflow: hidden; height: 280px; margin-top: 2rem; border: 1px solid rgba(0,38,84,.1); }
.contact-map iframe { width: 100%; height: 100%; border: 0; }
.contact-form-wrap h3 { font-family: 'Raleway', sans-serif; font-size: 1.6rem; color: var(--navy); margin-bottom: .5rem; }
.contact-form-wrap p { color: var(--text-muted); font-size: .93rem; margin-bottom: 2rem; }
.contact-form { display: flex; flex-direction: column; gap: 1.25rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { display: flex; flex-direction: column; gap: .4rem; }
.form-group label { font-size: .82rem; font-weight: 600; color: var(--navy); letter-spacing: .04em; }
.form-group input, .form-group textarea, .form-group select { width: 100%; padding: .85rem 1rem; border: 1.5px solid rgba(0,38,84,.12); border-radius: 8px; font-family: 'Poppins', sans-serif; font-size: .93rem; color: var(--text); background: var(--white); transition: border-color .2s; outline: none; }
.form-group input:focus, .form-group textarea:focus { border-color: var(--red); box-shadow: 0 0 0 3px rgba(215,42,49,.08); }
.form-group textarea { resize: vertical; min-height: 140px; }
.form-submit { align-self: flex-start; }
.contact-testimonials { padding: 7rem 0; background: var(--bg-cream); }

/* ── FOOTER ── */
#footer { background: var(--navy-deep); padding: 5rem 0 2rem; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 3rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,.07); }
.footer-brand .footer-logo { margin-bottom: 1.25rem; }
.footer-brand .footer-logo img { height: 72px; width: auto; filter: brightness(0) invert(1); }
.footer-brand p { font-size: .87rem; color: rgba(255,255,255,.85); line-height: 1.7; margin-bottom: 1.25rem; max-width: 280px; }
.footer-nmls { display: inline-block; font-size: .75rem; color: #ff3333; background: rgba(215,42,49,.12); border: 1px solid rgba(215,42,49,.2); border-radius: 4px; padding: .3rem .7rem; font-weight: 600; }
.footer-social { display: flex; gap: .75rem; margin-top: 1.5rem; }
.footer-social a { width: 36px; height: 36px; border-radius: 8px; border: 1px solid rgba(255,255,255,.3); display: flex; align-items: center; justify-content: center; color: var(--white); transition: var(--transition); cursor: none; }
.footer-social a:hover { background: var(--red); border-color: var(--red); color: var(--white); }
.footer-social svg { width: 16px; height: 16px; }
.footer-col h4 { font-size: 1rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: #ff3333; margin-bottom: 1.25rem; }
.footer-col ul { display: flex; flex-direction: column; gap: .55rem; }
.footer-col ul li a { font-size: .875rem; color: rgba(255,255,255,.8); transition: color .2s, padding-left .2s; cursor: none; }
.footer-col ul li a:hover { color: #ff3333; padding-left: 6px; }
.footer-bottom { padding-top: 2rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.footer-copyright { font-size: .8rem; color: rgba(255,255,255,.85); }
.footer-powered { font-size: .75rem; color: rgba(255,255,255,.5); }
.footer-powered a { color: rgba(255,255,255,.65); text-decoration: none; transition: color .2s; }
.footer-powered a:hover { color: var(--red); }
.footer-legal { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-legal a { font-size: .78rem; color: rgba(255,255,255,.75); transition: color .2s; cursor: none; }
.footer-legal a:hover { color: #ff3333; }
.footer-eho { display: flex; align-items: center; gap: .5rem; font-size: .75rem; color: rgba(255,255,255,.8); }
.footer-eho svg { width: 24px; height: 24px; fill: rgba(255,255,255,.8); }

/* ── CALCULATOR SECTION ── */
#calculator { padding: 7rem 0; background: var(--navy-deep); position: relative; overflow: hidden; }
#calculator::before { content: ''; position: absolute; top: -80px; right: -80px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(215,42,49,.10) 0%, transparent 70%); pointer-events: none; }
#calculator::after { content: ''; position: absolute; bottom: -60px; left: -60px; width: 300px; height: 300px; background: radial-gradient(circle, rgba(255,255,255,.03) 0%, transparent 70%); pointer-events: none; }
.calc-inner { max-width: 1100px; margin: 0 auto; padding: 0 2rem; }
#calculator .section-label { color: rgba(255,150,150,.9); }
#calculator .section-title { color: var(--white); }
#calculator .section-title em { color: #ff3333; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: start; margin-top: 3rem; }
.calc-controls { display: flex; flex-direction: column; gap: 2rem; }
.calc-field label { display: flex; justify-content: space-between; align-items: center; font-size: .85rem; font-weight: 600; color: rgba(255,255,255,.7); letter-spacing: .06em; text-transform: uppercase; margin-bottom: .75rem; }
.calc-field label span { font-family: 'Raleway', sans-serif; font-size: 1.15rem; color: var(--white); font-weight: 700; text-transform: none; letter-spacing: 0; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 5px; border-radius: 3px; background: rgba(255,255,255,.15); outline: none; cursor: pointer; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--red); border: 3px solid var(--white); box-shadow: 0 2px 8px rgba(0,0,0,.3); cursor: pointer; transition: transform .15s; }
input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.2); }
input[type=range]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--red); border: 3px solid var(--white); cursor: pointer; }
.calc-term-toggle { display: flex; gap: .5rem; }
.calc-term-btn { flex: 1; padding: .6rem; border: 2px solid rgba(255,255,255,.2); border-radius: 8px; background: transparent; color: rgba(255,255,255,.6); font-weight: 600; font-size: .9rem; cursor: pointer; transition: all .2s; font-family: inherit; }
.calc-term-btn.active { border-color: var(--red); background: var(--red); color: var(--white); }
.calc-results { display: flex; flex-direction: column; gap: 1.25rem; }
.calc-monthly { background: var(--red); border-radius: var(--radius-lg); padding: 2rem; text-align: center; }
.calc-monthly-label { font-size: .8rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.75); margin-bottom: .5rem; }
.calc-monthly-value { font-family: 'Raleway', sans-serif; font-size: 3rem; font-weight: 900; color: var(--white); line-height: 1; }
.calc-monthly-sub { font-size: .8rem; color: rgba(255,255,255,.65); margin-top: .35rem; }
.calc-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.calc-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 1.25rem; text-align: center; }
.calc-card-label { font-size: .73rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: .4rem; }
.calc-card-value { font-family: 'Raleway', sans-serif; font-size: 1.3rem; font-weight: 700; color: var(--white); }
.calc-cta { text-align: center; margin-top: 1.5rem; }

/* ── SCROLL GALLERY ── */
#scroll-gallery { padding: 7rem 0 5rem; background: var(--bg-light); overflow: hidden; position: relative; }
#scroll-gallery::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(0,38,84,.06) 1px, transparent 1px); background-size: 22px 22px; pointer-events: none; }
.gallery-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: .75rem; margin-top: 3rem; }
.gallery-item { position: relative; overflow: hidden; border-radius: var(--radius); cursor: pointer; opacity: 0; transform: translateY(70px); transition: opacity .65s cubic-bezier(.4,0,.2,1), transform .65s cubic-bezier(.4,0,.2,1), box-shadow .3s; }
.gallery-item.gallery-tall { grid-row: span 2; }
.gallery-item.in-view { opacity: 1; transform: translateY(0); }
.gallery-item:hover { box-shadow: var(--shadow-lg); z-index: 1; }
.gallery-item img { width: 100%; height: 100%; min-height: 200px; object-fit: cover; display: block; transition: transform .55s cubic-bezier(.4,0,.2,1); }
.gallery-item.gallery-tall img { min-height: 420px; }
.gallery-item:hover img { transform: scale(1.06); }
.gallery-item-overlay { position: absolute; inset: 0; background: rgba(0,22,60,0); transition: background .3s; display: flex; align-items: center; justify-content: center; }
.gallery-item:hover .gallery-item-overlay { background: rgba(0,22,60,.38); }
.gallery-item-overlay svg { opacity: 0; transition: opacity .3s; color: var(--white); width: 36px; height: 36px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.gallery-item:hover .gallery-item-overlay svg { opacity: 1; }
/* Lightbox */
.gallery-lightbox { position: fixed; inset: 0; background: rgba(0,0,0,.94); z-index: 99999; display: none; align-items: center; justify-content: center; }
.gallery-lightbox.open { display: flex; }
.gallery-lightbox img { max-width: 88vw; max-height: 84vh; object-fit: contain; border-radius: var(--radius); box-shadow: 0 40px 100px rgba(0,0,0,.5); }
.gallery-lb-close { position: absolute; top: 1.25rem; right: 1.5rem; background: rgba(255,255,255,.12); border: none; color: var(--white); width: 44px; height: 44px; border-radius: 50%; font-size: 1.4rem; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: background .2s; line-height: 1; }
.gallery-lb-close:hover { background: rgba(215,42,49,.7); }
.gallery-lb-prev, .gallery-lb-next { position: absolute; top: 50%; transform: translateY(-50%); background: rgba(255,255,255,.12); border: none; color: var(--white); width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; cursor: pointer; transition: background .2s; }
.gallery-lb-prev { left: 1.25rem; }
.gallery-lb-next { right: 1.25rem; }
.gallery-lb-prev:hover, .gallery-lb-next:hover { background: rgba(215,42,49,.7); }
.gallery-lb-prev svg, .gallery-lb-next svg { width: 22px; height: 22px; stroke: currentColor; fill: none; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.gallery-lb-counter { position: absolute; bottom: 1.5rem; left: 50%; transform: translateX(-50%); color: rgba(255,255,255,.5); font-size: .82rem; letter-spacing: .1em; }
@media (max-width: 900px) { .gallery-grid { grid-template-columns: repeat(2,1fr); gap: .5rem; } .gallery-item.gallery-tall { grid-row: span 1; } .gallery-item.gallery-tall img { min-height: 200px; } }

/* ── PARALLAX SHOWCASE (replaces stats-band + photo-strip) ── */
.parallax-showcase { position: relative; height: 75vh; min-height: 480px; overflow: hidden; }
.parallax-slides { position: absolute; inset: 0; }
.parallax-slide { position: absolute; inset: 0; background-size: cover; background-position: center; background-attachment: fixed; opacity: 0; transition: opacity 1.4s cubic-bezier(.4,0,.2,1); }
.parallax-slide.active { opacity: 1; }
.parallax-cover { position: absolute; inset: 0; background: linear-gradient(160deg, rgba(0,22,60,.65) 0%, rgba(0,38,84,.50) 60%, rgba(0,22,60,.60) 100%); z-index: 1; }
.parallax-stats { position: absolute; bottom: 0; left: 0; right: 0; z-index: 2; display: grid; grid-template-columns: repeat(4,1fr); text-align: center; background: rgba(0,22,60,.75); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-top: 1px solid rgba(255,255,255,.1); }
.parallax-stat { padding: 2rem 1.5rem; position: relative; }
.parallax-stat:not(:last-child)::after { content: ''; position: absolute; right: 0; top: 20%; height: 60%; width: 1px; background: rgba(255,255,255,.12); }
.parallax-stat-num { font-family: 'Raleway', sans-serif; font-size: clamp(2rem,4vw,3rem); font-weight: 800; color: var(--white); line-height: 1; margin-bottom: .4rem; }
.parallax-stat-num span { color: var(--red); }
.parallax-stat-label { font-size: .72rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.5); }
.parallax-nav { position: absolute; top: 50%; transform: translateY(-50%); z-index: 3; display: flex; gap: 0; }
.parallax-nav-prev { left: 1.5rem; }
.parallax-nav-next { right: 1.5rem; }
.parallax-nav button { width: 48px; height: 48px; border-radius: 50%; background: rgba(255,255,255,.15); border: 1.5px solid rgba(255,255,255,.3); color: var(--white); display: flex; align-items: center; justify-content: center; cursor: pointer; transition: background .25s; }
.parallax-nav button:hover { background: rgba(215,42,49,.7); border-color: var(--red); }
.parallax-nav button svg { width: 20px; height: 20px; stroke: currentColor; fill: none; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.parallax-dots { position: absolute; top: 1.25rem; left: 50%; transform: translateX(-50%); z-index: 3; display: flex; gap: .5rem; }
.parallax-dot { width: 8px; height: 8px; border-radius: 50%; background: rgba(255,255,255,.35); border: none; cursor: pointer; transition: all .3s; padding: 0; }
.parallax-dot.active { background: var(--red); width: 22px; border-radius: 4px; }
@media (max-width: 768px) {
  .parallax-showcase { height: 60vh; }
  .parallax-slide { background-attachment: scroll; }
  .parallax-stats { grid-template-columns: repeat(2,1fr); }
  .parallax-nav-prev { left: .75rem; }
  .parallax-nav-next { right: .75rem; }
}

/* ── LOAN PROCESS TIMELINE ── */
#loan-timeline { padding: 7rem 0; background: var(--bg-light); }
.timeline-steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; margin-top: 3.5rem; position: relative; }
.timeline-steps::before { content: ''; position: absolute; top: 36px; left: calc(12.5%); width: calc(75%); height: 2px; background: linear-gradient(90deg, var(--red), rgba(0,38,84,.15)); z-index: 0; }
.timeline-step { text-align: center; position: relative; z-index: 1; padding: 0 1rem; }
.timeline-num { width: 72px; height: 72px; border-radius: 50%; background: var(--navy); color: var(--white); font-family: 'Raleway', sans-serif; font-size: 1.5rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.5rem; position: relative; box-shadow: 0 0 0 6px var(--bg-light), 0 0 0 8px rgba(0,38,84,.12); transition: background .3s; }
.timeline-step:hover .timeline-num { background: var(--red); }
.timeline-step-icon { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; }
.timeline-step-icon svg { width: 28px; height: 28px; stroke: var(--white); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.timeline-step h4 { font-family: 'Raleway', sans-serif; font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: .5rem; }
.timeline-step p { font-size: .85rem; color: var(--text-muted); line-height: 1.6; max-width: 180px; margin: 0 auto; }
.timeline-step-label { display: inline-block; font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--red); background: var(--red-light); border-radius: 100px; padding: .2rem .65rem; margin-bottom: 1rem; }
@media (max-width: 768px) {
  .timeline-steps { grid-template-columns: 1fr 1fr; gap: 3rem 1rem; }
  .timeline-steps::before { display: none; }
}
@media (max-width: 480px) {
  .timeline-steps { grid-template-columns: 1fr; gap: 2rem; }
}

/* ── NEIGHBORHOODS MAP ── */
#neighborhoods { padding: 7rem 0; background: var(--white); }
.neighborhoods-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 3rem; align-items: start; margin-top: 3rem; }
#neighborhoods-map { height: 480px; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--border); }
.neighborhoods-list { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
.neighborhood-chip { display: flex; align-items: center; gap: .6rem; padding: .75rem 1rem; background: var(--bg-light); border-radius: var(--radius); border: 1.5px solid transparent; transition: var(--transition); cursor: pointer; font-size: .88rem; font-weight: 500; color: var(--navy); }
.neighborhood-chip:hover, .neighborhood-chip.active { border-color: var(--red); background: var(--red-light); color: var(--red); }
.neighborhood-chip-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--red); flex-shrink: 0; }
.neighborhood-chip-type { font-size: .72rem; color: var(--text-muted); display: block; font-weight: 400; margin-top: .1rem; }
@media (max-width: 900px) {
  .neighborhoods-grid { grid-template-columns: 1fr; }
  #neighborhoods-map { height: 380px; }
  .neighborhoods-list { grid-template-columns: repeat(3,1fr); }
}
@media (max-width: 600px) {
  .neighborhoods-list { grid-template-columns: 1fr 1fr; }
}

/* ── INDIVIDUAL LOAN PAGES ── */
.loan-detail-content { padding: 6rem 0; background: var(--bg-light); }
.loan-detail-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 4rem; align-items: start; }
.loan-detail-copy p { color: var(--text-muted); line-height: 1.85; font-size: .97rem; margin-bottom: 1.25rem; }
.loan-benefits-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 2rem 0; }
.loan-benefit { display: flex; gap: .75rem; align-items: flex-start; background: var(--white); border-radius: var(--radius); padding: 1rem 1.25rem; box-shadow: var(--shadow); }
.loan-benefit-check { width: 24px; height: 24px; background: var(--red-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: .1rem; }
.loan-benefit-check svg { width: 13px; height: 13px; stroke: var(--red); fill: none; stroke-width: 2.5; }
.loan-benefit p { font-size: .88rem; color: var(--text); font-weight: 500; line-height: 1.5; margin: 0; }
.loan-qualify { background: var(--white); border-radius: var(--radius-lg); padding: 2rem; box-shadow: var(--shadow); margin-top: 2rem; }
.loan-qualify h4 { font-family: 'Raleway', sans-serif; font-size: 1.1rem; color: var(--navy); margin-bottom: 1rem; }
.loan-qualify ul { display: flex; flex-direction: column; gap: .6rem; }
.loan-qualify ul li { font-size: .9rem; color: var(--text-muted); padding-left: 1.25rem; position: relative; }
.loan-qualify ul li::before { content: '→'; position: absolute; left: 0; color: var(--red); font-weight: 700; }
.loan-detail-aside { position: sticky; top: 100px; }
.loan-detail-aside img { width: 100%; height: 560px; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.loan-faq { padding: 5rem 0; background: var(--white); }
.loan-faq-list { display: flex; flex-direction: column; gap: 1rem; max-width: 800px; margin: 0 auto; }
.faq-item { border: 1.5px solid rgba(0,38,84,.1); border-radius: var(--radius); overflow: hidden; }
.faq-q { padding: 1.25rem 1.5rem; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-size: .95rem; transition: background .2s; }
.faq-q:hover { background: var(--bg-light); }
.faq-q span { color: var(--red); font-size: 1.2rem; }
.faq-a { padding: 0 1.5rem 1.25rem; font-size: .9rem; color: var(--text-muted); line-height: 1.75; display: none; }
.faq-item.open .faq-a { display: block; }
.faq-item.open .faq-q { background: var(--bg-light); }
.loan-detail-cta { background: var(--navy); padding: 5rem 0; text-align: center; }
.loan-detail-cta h2 { font-family: 'Raleway', sans-serif; font-size: clamp(1.6rem,3vw,2.4rem); color: var(--white); margin-bottom: 1rem; }
.loan-detail-cta p { color: rgba(255,255,255,.65); margin-bottom: 2rem; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; }
  .hero-right { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .about-img-wrap { min-height: 320px; }
  .about-img-wrap img { min-height: 320px; }
  .about-copy { padding: 3rem 2rem; }
  .about-full-grid { grid-template-columns: 1fr; }
  .about-visual { display: none; }
  .loans-full-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2,1fr); gap: 3rem; }
  .process-grid { grid-template-columns: repeat(2,1fr); }
  .process-step::after { display: none; }
  .loan-detail-grid { grid-template-columns: 1fr; }
  .loan-detail-aside { display: none; }
  .calc-grid { grid-template-columns: 1fr; gap: 2.5rem; }
}
@media (max-width: 768px) {
  .loans-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 3rem; }
  .form-row { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
  .footer-top { grid-template-columns: 1fr; }
  .about-pillars { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .loan-benefits-grid { grid-template-columns: 1fr; }
  .photo-strip { grid-template-columns: repeat(2,1fr); height: 320px; }
  .contact-layout { grid-template-columns: 1fr !important; }
}

/* ============================================================
   LOAN OPTIONS PAGE — grid cards
   ============================================================ */
.loan-grid-card {
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: var(--bg-cream);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  text-decoration: none;
  color: var(--text);
  transition: var(--transition);
}
.loan-grid-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--red);
}
.loan-grid-icon { width: 48px; height: 48px; background: var(--red-light); border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.loan-grid-icon svg { width: 24px; height: 24px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.loan-grid-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.loan-grid-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.6; flex: 1; }
.loan-grid-cta { font-size: 0.85rem; font-weight: 600; color: var(--red); margin-top: 4px; }

/* ============================================================
   LOAN OPTIONS PAGE — photo card grid (lp-card)
   ============================================================ */
.lp-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.lp-card {
  position: relative;
  display: block;
  border-radius: 16px;
  overflow: hidden;
  height: 380px;
  text-decoration: none;
  color: #fff;
  box-shadow: 0 4px 24px rgba(0,0,0,.15);
  transition: transform .35s ease, box-shadow .35s ease;
}
.lp-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 48px rgba(0,0,0,.3);
}
.lp-card-img {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transition: transform .55s ease;
}
.lp-card:hover .lp-card-img {
  transform: scale(1.05);
}
.lp-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,22,60,.95) 0%, rgba(0,22,60,.5) 50%, rgba(0,22,60,.1) 100%);
  transition: background .35s ease;
}
.lp-card:hover::after {
  background: linear-gradient(to top, rgba(0,22,60,.98) 0%, rgba(0,22,60,.72) 60%, rgba(0,22,60,.2) 100%);
}
.lp-chip {
  position: absolute;
  top: 16px;
  left: 16px;
  z-index: 2;
  background: var(--red);
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 100px;
}
.lp-card-body {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 2;
  padding: 24px;
}
.lp-card-body h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin: 0 0 8px;
  color: #fff;
  line-height: 1.3;
}
.lp-card-body p {
  font-size: .875rem;
  color: rgba(255,255,255,.82);
  margin: 0 0 14px;
  line-height: 1.55;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height .4s ease, opacity .35s ease;
}
.lp-card:hover .lp-card-body p {
  max-height: 120px;
  opacity: 1;
}
.lp-card-cta {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--red);
  opacity: 0;
  transform: translateY(8px);
  transition: opacity .3s ease .05s, transform .3s ease .05s;
}
.lp-card:hover .lp-card-cta {
  opacity: 1;
  transform: translateY(0);
}
@media (max-width: 768px) {
  .lp-grid { grid-template-columns: 1fr; gap: 16px; }
  .lp-card { height: 300px; }
  .lp-card-body p { max-height: 120px; opacity: 1; }
  .lp-card-cta { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   ABOUT PAGE — split layout
   ============================================================ */
.about-split-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-split-img img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.about-split-text { display: flex; flex-direction: column; gap: 20px; }
.about-split-text p { color: var(--text-muted); line-height: 1.8; }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.benefit-card {
  background: var(--white);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: background .2s, border-color .2s, box-shadow .2s;
}
.benefit-card:hover { background: var(--white); border-color: var(--red); box-shadow: var(--shadow); transform: translateY(-3px); }
.benefit-icon { width: 48px; height: 48px; background: var(--red-light); border: 1px solid rgba(215,42,49,.2); border-radius: 12px; display: flex; align-items: center; justify-content: center; }
.benefit-icon svg { width: 24px; height: 24px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.benefit-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy); }
.benefit-card p { font-size: 0.875rem; color: var(--text-muted); line-height: 1.6; }

/* ============================================================
   TEAM PAGE
   ============================================================ */
.team-card {
  background: var(--bg-cream);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--glass-border);
  transition: var(--transition);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.team-photo {
  width: 100%;
  height: 220px;
  background: var(--navy-deep);
  overflow: hidden;
}
.team-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.team-info { padding: 24px; display: flex; flex-direction: column; gap: 10px; text-align: center; align-items: center; }
.team-info h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.team-title { font-size: 0.8rem; font-weight: 600; color: var(--red); text-transform: uppercase; letter-spacing: 0.05em; }
.team-info p { font-size: 0.875rem; color: var(--text-muted); line-height: 1.6; text-align: center; }
.team-contact { display: flex; gap: 16px; margin-top: 8px; justify-content: center; }
.team-contact a { font-size: 0.85rem; font-weight: 600; color: var(--navy-mid); text-decoration: none; }
.team-contact a:hover { color: var(--red); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-info-list { display: flex; flex-direction: column; gap: 24px; }
.contact-info-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon { width: 44px; height: 44px; background: var(--red-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-icon svg { width: 20px; height: 20px; stroke: var(--red); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.contact-info-item strong { display: block; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.contact-info-item p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.6; }
.contact-info-item a { color: var(--navy-mid); text-decoration: none; }
.contact-info-item a:hover { color: var(--red); }

/* Contact cards (redesigned) */
.contact-cards { display: flex; flex-direction: column; gap: 12px; }
.contact-card { display: flex; align-items: center; gap: 16px; padding: 18px 20px; background: var(--white); border: 1.5px solid rgba(0,38,84,.08); border-radius: 14px; text-decoration: none; color: inherit; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; cursor: pointer; }
a.contact-card:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,38,84,.1); border-color: rgba(215,42,49,.3); }
a.contact-card:hover .contact-card-icon { background: var(--red); }
a.contact-card:hover .contact-card-icon svg { stroke: #fff; }
a.contact-card:hover .contact-card-arrow { opacity: 1; transform: translateX(3px); color: var(--red); }
.contact-card--static { cursor: default; }
.contact-card--license { background: var(--bg-light); }
.contact-card-icon { width: 46px; height: 46px; border-radius: 12px; background: var(--red-light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: background .2s ease; }
.contact-card-icon svg { width: 20px; height: 20px; stroke: var(--red); transition: stroke .2s ease; }
.contact-card-body { flex: 1; min-width: 0; }
.contact-card-label { display: block; font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--text-muted); margin-bottom: 4px; }
.contact-card-value { font-size: .93rem; font-weight: 600; color: var(--navy); line-height: 1.55; margin: 0; }
.contact-card-arrow { width: 18px; height: 18px; flex-shrink: 0; opacity: 0; transform: translateX(0); transition: opacity .2s ease, transform .2s ease; color: var(--text-muted); }

.contact-form { display: flex; flex-direction: column; gap: 20px; }
.contact-form .form-group { display: flex; flex-direction: column; gap: 6px; }
.contact-form label { font-size: 0.85rem; font-weight: 600; color: var(--navy); }
.contact-form input,
.contact-form select,
.contact-form textarea {
  padding: 12px 16px;
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.9rem;
  color: var(--text);
  background: var(--bg-cream);
  transition: var(--transition);
  outline: none;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--navy-mid);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(0,53,128,0.08);
}
.contact-form textarea { resize: vertical; }

@media (max-width: 768px) {
  .about-split-inner { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   INNER PAGE HERO (about, team, contact, loan-options)
   ============================================================ */
.loan-hero {
  position: relative;
  min-height: 480px;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
  padding-top: 90px;
}
.loan-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(0,22,60,.88) 0%, rgba(0,38,84,.75) 100%);
}
.loan-hero-content {
  position: relative;
  z-index: 1;
  width: 100%;
  padding-top: 4rem;
  padding-bottom: 4rem;
  text-align: left;
}
.loan-hero-content .section-label { color: rgba(255,150,150,.9); }
.loan-hero-content h1 {
  font-family: 'Raleway', sans-serif;
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 1rem;
}
.loan-hero-content h1 em { color: #ff3333; font-style: italic; }
.loan-hero-content p {
  color: rgba(255,255,255,.75);
  font-size: 1.05rem;
  max-width: 560px;
  line-height: 1.7;
  margin-bottom: 2rem;
}

/* Generic section wrapper */
.section { padding: 80px 0; }

/* Stats band (inner pages — different structure) */
.stats-band-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-item { display: flex; flex-direction: column; align-items: center; gap: .4rem; }
.stat-item .stat-num {
  font-family: 'Raleway', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--white);
}
.stat-item .stat-plus { color: var(--red); }
.stat-item .stat-star { color: var(--red); }
.stat-item .stat-label {
  font-size: .8rem;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.5);
}

@media (max-width: 768px) {
  /* Disable parallax on mobile (iOS doesn't support background-attachment:fixed) */
  .cta-band-bg { background-attachment: scroll; }
  .stats-band-inner { grid-template-columns: repeat(2,1fr); }
  .loan-hero { min-height: 360px; }
}

/* ── CONTACT TICKER / MARQUEE ── */
.contact-ticker { background: var(--navy); border-bottom: 2px solid var(--red); overflow: hidden; white-space: nowrap; }
body.has-ticker .contact-ticker { position: fixed; top: 0; left: 0; right: 0; z-index: 1001; }
.ticker-track { display: inline-flex; align-items: center; gap: 0; animation: ticker-scroll 60s linear infinite; padding: .65rem 0; }
.contact-ticker:hover .ticker-track { animation-play-state: paused; }
@keyframes ticker-scroll { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }
.ticker-item { display: inline-flex; align-items: center; gap: .45rem; font-size: .78rem; font-weight: 500; color: rgba(255,255,255,.85); padding: 0 2rem; white-space: nowrap; }
.ticker-item a { color: rgba(255,255,255,.95); text-decoration: none; transition: color .2s; }
.ticker-item a:hover { color: #ff3333; }
.ticker-item svg { flex-shrink: 0; opacity: .7; }
.ticker-sep { color: rgba(255,255,255,.25); font-size: .7rem; padding: 0 .25rem; }

/* ── SECTION DIVIDERS / SUBTLE TEXTURES ── */
.section-divider { position: relative; height: 60px; overflow: hidden; }
.section-divider::before { content: ''; position: absolute; inset: 0; background-image: repeating-linear-gradient(90deg, rgba(0,38,84,.06) 0, rgba(0,38,84,.06) 1px, transparent 1px, transparent 60px), repeating-linear-gradient(0deg, rgba(0,38,84,.06) 0, rgba(0,38,84,.06) 1px, transparent 1px, transparent 60px); background-size: 60px 60px; }
.section-divider::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(255,255,255,.98) 0%, rgba(255,255,255,.6) 40%, rgba(255,255,255,.6) 60%, rgba(255,255,255,.98) 100%); }
.section-divider-wave { position: relative; height: 48px; overflow: hidden; }
.section-divider-wave::before { content: ''; position: absolute; left: -10%; right: -10%; height: 100%; background-image: repeating-linear-gradient(45deg, rgba(0,38,84,.04) 0, rgba(0,38,84,.04) 1px, transparent 1px, transparent 12px); }
.section-divider-wave::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(255,255,255,.95), rgba(255,255,255,.5) 50%, rgba(255,255,255,.95)); }
/* Dot texture variant */
.section-divider-dots { position: relative; height: 48px; overflow: hidden; }
.section-divider-dots::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(0,38,84,.1) 1px, transparent 1px); background-size: 20px 20px; }
.section-divider-dots::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to bottom, rgba(255,255,255,.98), rgba(255,255,255,.4) 50%, rgba(255,255,255,.98)); }

/* ── LOAN CARD IMAGES ── */
.loan-card-img { height: 220px; border-radius: var(--radius) var(--radius) 0 0; overflow: hidden; margin: -2rem -2rem 1.25rem -2rem; width: calc(100% + 4rem); }
.loan-card-img img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; transition: transform .4s ease; }
.loan-card:hover .loan-card-img img { transform: scale(1.06); }

/* ── MOBILE: force left-align on all content text ── */
@media (max-width: 768px) {
  .section-header,
  .section-header .section-label,
  .section-header .section-title,
  .section-header .section-subtitle,
  .section-header .red-line,
  .section-header p,
  .section-label,
  .section-title,
  .section-subtitle,
  .section-sub,
  .about-copy,
  .about-copy .section-label,
  .about-copy .section-title,
  .about-copy p,
  .cta-band-content,
  .cta-band-content h2,
  .cta-band-content p,
  .cta-band-content .section-label,
  .timeline-step,
  .timeline-step h4,
  .timeline-step p,
  .timeline-step .timeline-step-label,
  .process-step,
  .process-step h4,
  .process-step p,
  .team-info,
  .team-info h3,
  .team-info p,
  .loan-detail-cta,
  .loan-detail-cta h2,
  .loan-detail-cta p,
  .loans-page-cta,
  .loans-page-cta h2,
  .loans-page-cta p,
  .hero-h1,
  .hero-sub,
  .hero-badge { text-align: left; }

  .section-header .red-line { margin-left: 0; }
  .about-copy .red-line { margin-left: 0; }
  #loan-timeline .red-line { display: none; }

  .timeline-num { margin-left: 0; margin-right: auto; }
  .timeline-step p { max-width: none; margin: 0; }

  .team-info { align-items: flex-start; }
  .team-contact { justify-content: flex-start; }

  .cta-band-actions { justify-content: flex-start; }

  .hero-trust { justify-content: flex-start; }
  .hero-trust-item { text-align: left; }
}