/* ============================================================
   NATION ONE MORTGAGE — BLAISE MENZONI LANDING PAGE STYLES
   ============================================================ */

/* ---- VARIABLES & RESET ---- */
:root {
  --navy:       #0D2654;
  --navy-dark:  #081A3E;
  --navy-light: #1A3A6E;
  --blue:       #1B4FBF;
  --blue-light: #2563EB;
  --accent:     #E8A020;
  --accent-dark:#C07A10;
  --green:      #16A34A;
  --green-dark: #14532D;
  --white:      #FFFFFF;
  --off-white:  #F8F9FB;
  --gray-50:    #F9FAFB;
  --gray-100:   #F3F4F6;
  --gray-200:   #E5E7EB;
  --gray-400:   #9CA3AF;
  --gray-500:   #6B7280;
  --gray-600:   #4B5563;
  --gray-700:   #374151;
  --gray-800:   #1F2937;
  --text:       #1A2340;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 24px rgba(13,38,84,0.12);
  --shadow-lg:  0 12px 40px rgba(13,38,84,0.18);
  --transition: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ---- CONTAINER ---- */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-sm { padding: 10px 20px; font-size: 0.875rem; }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-full { width: 100%; justify-content: center; }

.btn-primary {
  background: var(--accent);
  color: var(--navy-dark);
  border-color: var(--accent);
}
.btn-primary:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(232,160,32,0.35);
}

.btn-success {
  background: var(--green);
  color: white;
  border-color: var(--green);
  font-size: 1.05rem;
  padding: 16px 24px;
}
.btn-success:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(22,163,74,0.3);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: white;
}

.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--gray-300, #d1d5db);
}
.btn-outline-dark:hover {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}

.btn-white {
  background: white;
  color: var(--navy);
  border-color: white;
}
.btn-white:hover {
  background: var(--accent);
  color: var(--navy);
  border-color: var(--accent);
}

.btn-outline-white {
  background: transparent;
  color: white;
  border-color: rgba(255,255,255,0.5);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.15);
  border-color: white;
}

.btn-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--blue-light);
  font-weight: 600;
  font-size: 0.9rem;
  transition: gap var(--transition), color var(--transition);
}
.btn-link:hover { gap: 10px; color: var(--blue); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy-dark);
  box-shadow: 0 2px 12px rgba(0,0,0,0.2);
  height: 68px;
}
.header-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo-block { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo-icon {
  width: 44px; height: 44px;
  background: var(--accent);
  color: var(--navy-dark);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 1.1rem;
  font-family: 'Merriweather', serif;
  flex-shrink: 0;
}
.logo-icon.sm { width: 36px; height: 36px; font-size: 0.9rem; }
.logo-text { display: flex; flex-direction: column; }
.logo-company { color: white; font-weight: 700; font-size: 1rem; line-height: 1.2; }
.logo-sub { color: rgba(255,255,255,0.6); font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.05em; }

/* Real logo image — header */
.logo-block {
  background: white;
  border-radius: 8px;
  padding: 5px 14px;
  display: inline-flex;
  align-items: center;
}
.header-logo-img {
  height: 44px;
  width: auto;
  max-width: 230px;
  object-fit: contain;
  display: block;
}

/* Real logo image — footer */
.footer-logo-img {
  height: 50px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  display: block;
  background: white;
  border-radius: 6px;
  padding: 5px 10px;
}

.header-cta { display: flex; align-items: center; gap: 16px; }
.header-phone {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.85);
  font-weight: 500;
  font-size: 0.9rem;
  transition: color var(--transition);
}
.header-phone:hover { color: var(--accent); }
.header-phone .fas { color: var(--accent); }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  min-height: 100vh;
  padding: 100px 0 60px;
  position: relative;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 40%, var(--navy-light) 100%);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background:
    radial-gradient(ellipse at 80% 20%, rgba(27,79,191,0.25) 0%, transparent 60%),
    radial-gradient(ellipse at 20% 80%, rgba(232,160,32,0.08) 0%, transparent 50%);
  pointer-events: none;
}
/* Decorative circles */
.hero::after {
  content: '';
  position: absolute;
  width: 600px; height: 600px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.04);
  top: -200px; right: -150px;
  pointer-events: none;
}

.hero-bg-overlay {
  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='0.02'%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-container {
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* Hero Content */
.hero-content {}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(232,160,32,0.15);
  border: 1px solid rgba(232,160,32,0.3);
  color: var(--accent);
  padding: 8px 16px;
  border-radius: 100px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}

.hero-headline {
  font-family: 'Merriweather', serif;
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 900;
  color: white;
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero-headline .accent { color: var(--accent); }

.hero-sub {
  color: rgba(255,255,255,0.8);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 520px;
}
.hero-sub strong { color: white; }

/* Stats */
.hero-stats {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-bottom: 32px;
}
.stat-item { display: flex; flex-direction: column; }
.stat-num { font-size: 1.8rem; font-weight: 800; color: white; line-height: 1; }
.stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.05em; margin-top: 4px; }
.stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.15); }

/* Trust */
.hero-trust { display: flex; align-items: center; flex-wrap: wrap; gap: 10px; }
.trust-label { color: rgba(255,255,255,0.6); font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; }
.trust-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.trust-badge {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.85);
  padding: 5px 12px;
  border-radius: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

/* ============================================================
   FORM CARD
   ============================================================ */
.hero-form-card {
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  position: relative;
}

.form-card-header {
  background: var(--navy-dark);
  padding: 24px 28px 20px;
}

.agent-badge {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 18px;
}
.agent-photo-wrap {
  width: 64px; height: 64px;
  border-radius: 50%;
  overflow: hidden;
  border: 3px solid var(--accent);
  flex-shrink: 0;
  position: relative;
  background: var(--navy-light);
}
.agent-photo {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top center;
}
.agent-photo-placeholder {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--navy-light), var(--blue));
  color: white;
  font-size: 1.6rem;
}
.agent-photo-placeholder.hidden { display: none; }
.agent-photo-placeholder.large {
  font-size: 3rem;
  position: static;
  width: 100%; height: 100%;
  gap: 8px;
  border-radius: 12px 12px 0 0;
}
.agent-photo-placeholder.large span {
  font-size: 1rem;
  font-weight: 600;
}
.agent-info { display: flex; flex-direction: column; }
.agent-info strong { color: white; font-size: 1rem; }
.agent-info span { color: rgba(255,255,255,0.65); font-size: 0.8rem; line-height: 1.4; }
.agent-info .nmls {
  color: var(--accent);
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.form-title {
  color: white;
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 4px;
  font-family: 'Merriweather', serif;
}
.form-subtitle {
  color: rgba(255,255,255,0.6);
  font-size: 0.8rem;
  display: flex;
  align-items: center;
  gap: 6px;
}
.form-subtitle::before {
  content: '🔒';
  font-size: 0.85em;
}

/* Step Indicator */
.step-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px 28px 8px;
  gap: 0;
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
}
.step {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-500);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  transition: all 0.3s ease;
  flex-shrink: 0;
}
.step.active {
  background: var(--blue-light);
  color: white;
  box-shadow: 0 0 0 4px rgba(37,99,235,0.2);
}
.step.completed {
  background: var(--green);
  color: white;
}
.step-line {
  flex: 1;
  height: 2px;
  background: var(--gray-200);
  max-width: 80px;
  transition: background 0.3s ease;
}
.step-line.completed { background: var(--green); }

/* Form Steps */
form {
  padding: 24px 28px;
}
.form-step { display: none; animation: fadeIn 0.3s ease; }
.form-step.active { display: block; }
.form-success { display: none; text-align: center; padding: 20px 0; }
.form-success.active { display: block; animation: fadeIn 0.4s ease; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}

/* Loan Type Grid */
.loan-type-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 18px;
}
.loan-type-btn { cursor: pointer; }
.loan-type-btn input { display: none; }
.loan-type-card {
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  padding: 14px 12px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  transition: all var(--transition);
  background: white;
}
.loan-type-card i {
  font-size: 1.4rem;
  color: var(--gray-400);
  transition: color var(--transition);
}
.loan-type-card span {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gray-600);
  text-align: center;
}
.loan-type-btn input:checked + .loan-type-card {
  border-color: var(--blue-light);
  background: rgba(37,99,235,0.04);
}
.loan-type-btn input:checked + .loan-type-card i { color: var(--blue-light); }
.loan-type-btn input:checked + .loan-type-card span { color: var(--blue-light); }
.loan-type-btn:hover .loan-type-card { border-color: var(--blue-light); }

/* Property Grid */
.property-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 20px;
}
.property-btn { cursor: pointer; }
.property-btn input { display: none; }
.property-card {
  border: 2px solid var(--gray-200);
  border-radius: 10px;
  padding: 16px 12px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  transition: all var(--transition);
  background: white;
}
.property-card i {
  font-size: 1.6rem;
  color: var(--gray-400);
  transition: color var(--transition);
}
.property-card span {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-600);
  text-align: center;
}
.property-btn input:checked + .property-card {
  border-color: var(--blue-light);
  background: rgba(37,99,235,0.04);
}
.property-btn input:checked + .property-card i { color: var(--blue-light); }
.property-btn input:checked + .property-card span { color: var(--blue-light); }
.property-btn:hover .property-card { border-color: var(--blue-light); }

/* Form Groups */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 0;
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 14px;
}
.form-group label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-700);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.req { color: #e53e3e; }
.optional { color: var(--gray-400); font-weight: 400; text-transform: none; font-size: 0.75rem; }

.input-icon-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-icon {
  position: absolute;
  left: 12px;
  color: var(--gray-400);
  font-size: 0.85rem;
  pointer-events: none;
  z-index: 1;
}
.input-icon-wrap input,
.input-icon-wrap select {
  width: 100%;
  padding: 11px 12px 11px 36px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 0.875rem;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: white;
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
  appearance: none;
}
.input-icon-wrap select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236B7280' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 32px;
}
.input-icon-wrap input:focus,
.input-icon-wrap select:focus {
  outline: none;
  border-color: var(--blue-light);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.12);
}
.input-icon-wrap input.error,
.input-icon-wrap select.error {
  border-color: #e53e3e;
}

textarea {
  width: 100%;
  padding: 11px 12px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 0.875rem;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  resize: vertical;
  transition: border-color var(--transition), box-shadow var(--transition);
}
textarea:focus {
  outline: none;
  border-color: var(--blue-light);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.12);
}

.consent-text {
  font-size: 0.72rem;
  color: var(--gray-500);
  line-height: 1.5;
  margin-bottom: 16px;
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.consent-text .fas { color: var(--green); flex-shrink: 0; margin-top: 2px; }

.form-nav {
  display: flex;
  gap: 12px;
  align-items: center;
}
.form-nav .btn-outline { flex-shrink: 0; }
.form-nav .btn-primary { flex: 1; justify-content: center; }

/* Success State */
.success-icon {
  font-size: 3.5rem;
  color: var(--green);
  margin-bottom: 16px;
  animation: popIn 0.5s ease;
}
@keyframes popIn {
  from { transform: scale(0); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.form-success h3 {
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 10px;
  font-family: 'Merriweather', serif;
}
.form-success > p {
  color: var(--gray-600);
  margin-bottom: 20px;
  font-size: 0.95rem;
}
.success-contact { display: flex; flex-direction: column; gap: 10px; }
.success-contact > p {
  font-weight: 600;
  color: var(--gray-700);
  font-size: 0.9rem;
}

.form-nmls {
  background: var(--gray-50);
  border-top: 1px solid var(--gray-200);
  padding: 12px 28px;
  font-size: 0.68rem;
  color: var(--gray-500);
  text-align: center;
}

/* ============================================================
   SECTION HELPERS
   ============================================================ */
.section-badge {
  display: inline-flex;
  align-items: center;
  background: rgba(27,79,191,0.08);
  color: var(--blue-light);
  border: 1px solid rgba(27,79,191,0.15);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 14px;
}
.section-badge.center { display: flex; justify-content: center; width: fit-content; margin: 0 auto 14px; }
.section-title {
  font-family: 'Merriweather', serif;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 16px;
}
.section-title .accent { color: var(--blue-light); }
.section-title.center, .section-desc.center { text-align: center; }
.section-desc {
  color: var(--gray-500);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 640px;
  margin-bottom: 40px;
}
.section-desc.center { margin: 0 auto 40px; }

/* ============================================================
   WHY BLAISE SECTION
   ============================================================ */
.why-section {
  padding: 100px 0;
  background: var(--off-white);
}
.why-inner {
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 80px;
  align-items: start;
}

/* Agent Card */
.agent-card {
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
  position: sticky;
  top: 90px;
}
.agent-card-photo {
  width: 100%;
  aspect-ratio: 4/5;
  overflow: hidden;
  background: linear-gradient(135deg, var(--navy-light), var(--blue));
  display: flex;
  align-items: center;
  justify-content: center;
}
.agent-card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
}
.agent-card-body {
  padding: 24px;
}
.agent-card-body h3 {
  font-size: 1.3rem;
  font-family: 'Merriweather', serif;
  color: var(--navy);
  margin-bottom: 4px;
}
.agent-title { color: var(--gray-500); font-size: 0.85rem; margin-bottom: 4px; }
.agent-nmls {
  color: var(--blue-light);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
}
.agent-rating {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-bottom: 16px;
  color: var(--accent);
  font-size: 0.95rem;
}
.agent-rating span {
  color: var(--gray-600);
  font-size: 0.85rem;
  font-weight: 600;
  margin-left: 4px;
}
.agent-call-btn { margin-bottom: 14px; }
.agent-awards {
  font-size: 0.78rem;
  color: var(--gray-500);
  display: flex;
  align-items: center;
  gap: 6px;
  text-align: center;
  justify-content: center;
}
.agent-awards .fas { color: var(--accent); }

/* Why List */
.why-list { display: flex; flex-direction: column; gap: 24px; margin-top: 8px; }
.why-item {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.why-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--blue-light));
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1rem;
  flex-shrink: 0;
}
.why-text h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 5px;
}
.why-text p { color: var(--gray-500); font-size: 0.9rem; line-height: 1.6; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-section {
  padding: 100px 0;
  background: white;
}
.steps-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: start;
  gap: 0;
  margin-bottom: 48px;
}
.process-step {
  background: var(--off-white);
  border: 2px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  text-align: center;
  position: relative;
  transition: box-shadow var(--transition), border-color var(--transition);
}
.process-step:hover {
  box-shadow: var(--shadow);
  border-color: var(--blue-light);
}
.process-num {
  position: absolute;
  top: -16px;
  left: 50%;
  transform: translateX(-50%);
  width: 32px; height: 32px;
  background: var(--blue-light);
  color: white;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  font-size: 0.85rem;
  box-shadow: 0 2px 8px rgba(37,99,235,0.3);
}
.process-icon {
  width: 60px; height: 60px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--navy), var(--blue-light));
  display: flex; align-items: center; justify-content: center;
  color: white;
  font-size: 1.4rem;
  margin: 0 auto 16px;
}
.process-step h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.process-step p { color: var(--gray-500); font-size: 0.875rem; line-height: 1.65; }
.process-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-300, #d1d5db);
  font-size: 1.2rem;
  padding: 0 16px;
  margin-top: 60px;
}
.how-cta {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ============================================================
   LOAN PROGRAMS
   ============================================================ */
.programs-section {
  padding: 100px 0;
  background: var(--off-white);
}
.programs-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.program-card {
  background: white;
  border: 2px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  transition: box-shadow var(--transition), border-color var(--transition), transform var(--transition);
  position: relative;
}
.program-card:hover {
  box-shadow: var(--shadow);
  border-color: var(--blue-light);
  transform: translateY(-4px);
}
.program-card.featured {
  border-color: var(--blue-light);
  box-shadow: var(--shadow);
}
.featured-badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--accent);
  color: var(--navy-dark);
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 4px 14px;
  border-radius: 100px;
  white-space: nowrap;
}
.program-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
  color: white;
}
.program-icon.fha { background: linear-gradient(135deg, #1e40af, #3b82f6); }
.program-icon.va  { background: linear-gradient(135deg, #065f46, #10b981); }
.program-icon.conv{ background: linear-gradient(135deg, var(--navy), var(--blue-light)); }
.program-icon.usda{ background: linear-gradient(135deg, #78350f, #f59e0b); }

.program-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.program-card > p {
  color: var(--gray-500);
  font-size: 0.875rem;
  line-height: 1.6;
  margin-bottom: 16px;
}
.program-card ul { margin-bottom: 20px; display: flex; flex-direction: column; gap: 8px; }
.program-card ul li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.83rem;
  color: var(--gray-600);
}
.program-card ul li .fas { color: var(--green); font-size: 0.75rem; }

/* ============================================================
   TESTIMONIALS / CAROUSEL
   ============================================================ */
.testimonials-section {
  padding: 100px 0 80px;
  background: var(--navy-dark);
  overflow: hidden;
}
.testimonials-section .section-badge {
  background: rgba(232,160,32,0.15);
  color: var(--accent);
  border-color: rgba(232,160,32,0.3);
}
.testimonials-section .section-title { color: white; margin-bottom: 8px; }

/* Google Rating Bar */
.google-rating-bar {
  display: flex;
  justify-content: center;
  margin-bottom: 40px;
}
.google-rating-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 100px;
  padding: 12px 28px;
  flex-wrap: wrap;
  justify-content: center;
}
.google-logo-img {
  height: 20px;
  width: auto;
  object-fit: contain;
  display: block;
}
.rating-num {
  font-size: 1.5rem;
  font-weight: 800;
  color: white;
  line-height: 1;
}
.rating-stars-row { color: #FBBC04; font-size: 1rem; letter-spacing: 2px; }
.rating-count { color: rgba(255,255,255,0.55); font-size: 0.8rem; }
.google-review-link {
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 5px;
  transition: color var(--transition);
}
.google-review-link:hover { color: white; }

/* Carousel Outer */
.carousel-outer {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 28px;
}
.carousel-viewport {
  flex: 1;
  overflow: hidden;
  border-radius: var(--radius-lg);
}
.carousel-track {
  display: flex;
  gap: 24px;
  transition: transform 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  will-change: transform;
}

/* Cards */
.testimonial-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 28px;
  flex: 0 0 calc(33.333% - 16px);
  min-width: calc(33.333% - 16px);
  display: flex;
  flex-direction: column;
  transition: background 0.25s ease, border-color 0.25s ease, transform 0.25s ease;
  box-sizing: border-box;
}
.testimonial-card:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.22);
  transform: translateY(-3px);
}
.card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
}
.stars { color: #FBBC04; font-size: 0.9rem; letter-spacing: 2px; }
.review-google-logo {
  height: 16px;
  width: auto;
  object-fit: contain;
  opacity: 0.7;
}
.review-body {
  flex: 1;
  display: flex;
  flex-direction: column;
}
.testimonial-text {
  color: rgba(255,255,255,0.85);
  font-size: 0.93rem;
  line-height: 1.75;
  font-style: italic;
  margin-bottom: 10px;
  flex: 1;
}
.read-more-btn {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(212,175,55,0.12);
  border: 1px solid rgba(212,175,55,0.35);
  border-radius: 20px;
  color: #ffffff;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  padding: 5px 14px;
  margin-top: 4px;
  margin-bottom: 14px;
  align-self: flex-start;
  transition: background 0.2s, border-color 0.2s, color 0.2s, transform 0.15s;
  line-height: 1;
}

.read-more-btn:hover {
  background: rgba(212,175,55,0.22);
  border-color: rgba(212,175,55,0.65);
  color: #ffffff;
  transform: translateY(-1px);
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: auto;
}
.author-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-light), var(--navy-light));
  color: white;
  font-size: 0.78rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  border: 2px solid rgba(255,255,255,0.15);
}
.testimonial-author strong { color: white; display: block; font-size: 0.9rem; }
.testimonial-author span { color: rgba(255,255,255,0.45); font-size: 0.75rem; }

/* Carousel Buttons */
.carousel-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: white;
  font-size: 0.9rem;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background var(--transition), transform var(--transition);
}
.carousel-btn:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--navy-dark);
  transform: scale(1.08);
}
.carousel-btn:disabled {
  opacity: 0.3;
  cursor: not-allowed;
  transform: none;
}

/* Dots */
.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 32px;
}
.carousel-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.25);
  border: none;
  cursor: pointer;
  padding: 0;
  transition: background var(--transition), transform var(--transition), width var(--transition);
}
.carousel-dot.active {
  background: var(--accent);
  width: 24px;
  border-radius: 4px;
}

/* Leave a Review CTA */
.review-cta {
  display: flex;
  justify-content: center;
}
.review-cta .btn-outline-dark {
  color: rgba(255,255,255,0.75);
  border-color: rgba(255,255,255,0.25);
}
.review-cta .btn-outline-dark:hover {
  background: white;
  color: var(--navy);
  border-color: white;
}

/* Responsive carousel */
@media (max-width: 900px) {
  .testimonial-card {
    flex: 0 0 calc(50% - 12px);
    min-width: calc(50% - 12px);
  }
}
@media (max-width: 600px) {
  .testimonial-card {
    flex: 0 0 100%;
    min-width: 100%;
  }
  .carousel-btn { display: none; }
}

/* ============================================================
   CTA STRIP
   ============================================================ */
.cta-strip {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-light) 100%);
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: '';
  position: absolute;
  top: -50%; left: -20%;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.cta-strip-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  z-index: 1;
}
.cta-strip-text h2 {
  font-family: 'Merriweather', serif;
  font-size: 1.8rem;
  color: white;
  margin-bottom: 8px;
}
.cta-strip-text p { color: rgba(255,255,255,0.8); font-size: 1rem; }
.cta-strip-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-dark);
  padding: 60px 0 0;
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}
.footer-logo strong { color: white; font-size: 0.95rem; display: block; }
.footer-logo span { color: rgba(255,255,255,0.5); font-size: 0.78rem; }
.footer-tagline { color: rgba(255,255,255,0.4); font-size: 0.85rem; font-style: italic; }
.footer-contact h4, .footer-links h4 {
  color: var(--accent);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  margin-bottom: 16px;
}
.footer-contact p {
  color: rgba(255,255,255,0.65);
  font-size: 0.875rem;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.footer-contact p .fas { color: var(--accent); width: 14px; }
.footer-contact a { color: rgba(255,255,255,0.65); transition: color var(--transition); }
.footer-contact a:hover { color: var(--accent); }
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  color: rgba(255,255,255,0.65);
  font-size: 0.875rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--accent); }

.footer-legal {
  padding: 24px 0;
  text-align: center;
}
.footer-legal p {
  color: rgba(255,255,255,0.35);
  font-size: 0.72rem;
  line-height: 1.6;
  margin-bottom: 6px;
}
.footer-copy { color: rgba(255,255,255,0.25) !important; margin-top: 12px !important; }

/* ============================================================
   TOAST
   ============================================================ */
.toast {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(100px);
  background: var(--navy);
  color: white;
  padding: 14px 24px;
  border-radius: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  box-shadow: var(--shadow-lg);
  transition: transform 0.3s ease, opacity 0.3s ease;
  z-index: 9999;
  pointer-events: none;
  opacity: 0;
  white-space: nowrap;
}
.toast.show {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
}
.toast.success { background: var(--green); }
.toast.error { background: #dc2626; }

/* ============================================================
   LOADING SPINNER ON SUBMIT
   ============================================================ */
.btn.loading {
  opacity: 0.75;
  pointer-events: none;
}
.btn.loading::after {
  content: '';
  width: 14px; height: 14px;
  border: 2px solid rgba(255,255,255,0.4);
  border-top-color: white;
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
  margin-left: 8px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-container { grid-template-columns: 1fr; gap: 40px; max-width: 600px; margin: 0 auto; }
  .hero { min-height: auto; padding: 90px 0 60px; }
  .hero-content { text-align: center; }
  .hero-badge, .hero-trust { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-sub { margin: 0 auto 32px; }
  .why-inner { grid-template-columns: 1fr; gap: 48px; }
  .agent-card { position: static; max-width: 380px; margin: 0 auto; }
  .steps-grid { grid-template-columns: 1fr; gap: 32px; }
  .process-arrow { transform: rotate(90deg); display: none; }
  .programs-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .cta-strip-inner { flex-direction: column; text-align: center; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 768px) {
  .header-phone { display: none; }
  .hero-container { padding: 0 20px; }
  .hero-headline { font-size: 2rem; }
  .hero-stats { gap: 16px; }
  .programs-grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .form-row { grid-template-columns: 1fr; }
  .loan-type-grid { grid-template-columns: 1fr 1fr; }
  .cta-strip-actions { flex-direction: column; width: 100%; }
  .cta-strip-actions .btn { justify-content: center; }
  .how-cta { flex-direction: column; align-items: center; }
}

@media (max-width: 480px) {
  .hero { padding: 80px 0 40px; }
  .why-section, .how-section, .programs-section, .testimonials-section { padding: 72px 0; }
  .hero-form-card { border-radius: 12px; }
  form { padding: 20px; }
  .form-card-header { padding: 20px 20px 16px; }
}