/* ==========================================================
   Abhishek Gangal – Shared Design System (v7)
   Lead-goldmine styling: warm, trust-forward, high-contrast CTAs
   ========================================================== */

:root{
  --coral:#8B2635;
  --coral-dark:#6B1C2A;
  --coral-soft:#F6E6E9;
  --navy:#2B1A1F;
  --navy-soft:#3E262D;
  --gold:#8B6A3A;
  --gold-soft:#F4E8D0;
  --green:#2E7D5B;
  --green-soft:#DCEEE4;
  --white:#FFFFFF;
  --off-white:#FAF3E0;
  --cream:#F0E3C2;
  --ink:#2B1A1F;
  --muted:#6B5D5F;
  --border:#E8DFD0;
  --shadow-sm:0 4px 14px rgba(43,26,31,.07);
  --shadow:0 16px 40px rgba(43,26,31,.10);
  --shadow-lg:0 28px 60px rgba(43,26,31,.14);
  --radius:14px;
  --radius-lg:22px;
  --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:'Inter',Arial,Helvetica,sans-serif;
  color:var(--ink);background:var(--white);line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;line-height:1.14;letter-spacing:-.015em;margin:0 0 16px;font-weight:700;color:var(--ink)}
h1{font-size:clamp(2.1rem,4vw,3.4rem);line-height:1.18}
h2{font-size:clamp(1.85rem,3.4vw,2.6rem)}
h3{font-size:1.2rem;font-family:'Inter',sans-serif;font-weight:700;letter-spacing:-.005em}
h4{font-size:1rem;font-family:'Inter',sans-serif;font-weight:700}
p{margin:0 0 14px;color:var(--muted)}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.split-photo img,.hero-photo-wrap img,.hero-doodle-wrap img,.resource-photo img,.solution-photo img,.how-image img,.tips-image img,.services-image-wrap img,.about-photo-wrap img,.about-photo-accent img{background:var(--coral-soft)}
input,select,textarea,button{font-family:inherit}
.container{width:min(calc(100% - 32px),var(--max));margin:0 auto}
.section{padding:90px 0}
.accent{color:var(--coral)}
.ink{color:var(--ink)}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--coral);margin-bottom:14px}
.center{text-align:center}
.center-head{max-width:760px;margin:0 auto 50px;text-align:center}
.center-head p{font-size:1.05rem}

/* Buttons */
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 28px;border-radius:8px;font-weight:700;font-size:.96rem;transition:.25s ease;border:1.5px solid transparent;cursor:pointer;white-space:nowrap;font-family:'Inter',sans-serif}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--coral);color:var(--white);box-shadow:0 6px 20px rgba(139,38,53,.24)}
.btn-primary:hover{background:var(--coral-dark);box-shadow:0 10px 28px rgba(139,38,53,.32)}
.btn-outline{background:transparent;border-color:var(--coral);color:var(--coral)}
.btn-outline:hover{background:var(--coral);color:var(--white)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-soft)}
.btn-outline-white{background:transparent;border-color:rgba(255,255,255,.5);color:var(--white)}
.btn-outline-white:hover{background:var(--white);color:var(--navy)}
.btn-green{background:var(--green);color:var(--white)}
.btn-green:hover{background:#235f45}
.btn-lg{min-height:58px;padding:0 34px;font-size:1.02rem}
.btn-sm{min-height:40px;padding:0 18px;font-size:.86rem}
.btn-block{width:100%}

/* Topbar */
.topbar{background:var(--coral);color:var(--white);padding:16px 0 14px}
.topbar .container{display:flex;flex-direction:column;gap:10px}
.topbar a{color:var(--white);transition:opacity .2s}
.topbar a:hover{opacity:.82}
.topbar .container{position:relative}
.topbar-row-1{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.topbar-brand{display:flex;align-items:center;gap:14px;flex-shrink:0}
.topbar-headshot{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:center top;border:2px solid rgba(255,255,255,.7);background:transparent;flex-shrink:0;box-shadow:0 4px 14px rgba(0,0,0,.14)}
.topbar-name{font-family:'Playfair Display',serif;font-size:1.7rem;font-weight:700;letter-spacing:-.01em;line-height:1;color:var(--white)}
@media (min-width:861px){
  .topbar .container{padding-left:112px}
  .topbar-headshot{position:absolute;left:16px;top:50%;transform:translateY(-50%);width:88px;height:88px;border-width:3px;box-shadow:0 8px 22px rgba(0,0,0,.22);z-index:2}
}
@media (max-width:520px){.topbar-headshot{width:42px;height:42px;border-width:2px}}
.topbar-contact{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.topbar-item{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.98rem;color:var(--white)}
.topbar-item svg{flex-shrink:0;opacity:.95}
.topbar-social{display:flex;gap:8px;align-items:center;margin-left:6px}
.topbar-social a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center;transition:.2s}
.topbar-social a:hover{background:var(--white);color:var(--coral);opacity:1;transform:translateY(-1px)}
.topbar-row-2{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:.85rem;opacity:.92;font-weight:500;padding-top:10px;border-top:1px solid rgba(255,255,255,.18);line-height:1.4}
.topbar-row-2 strong{font-weight:700;opacity:1}
.topbar-dot{opacity:.55}

/* Header */
header{position:sticky;top:0;z-index:40;background:var(--white);border-bottom:1px solid var(--border)}
.nav{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:14px}
.brand-logo{width:60px;height:60px;object-fit:contain;background:transparent}
.brand-text{line-height:1.2}
.brand-text strong{font-family:'Playfair Display',serif;font-size:1.3rem;font-weight:700;color:var(--navy);display:block;letter-spacing:-.01em}
.brand-text span{display:block;font-size:.76rem;color:var(--muted);letter-spacing:.04em;font-weight:500;margin-top:2px}
.desktop-nav{display:flex;align-items:center;gap:28px}
.desktop-nav > a{font-size:.94rem;font-weight:600;color:var(--ink);transition:color .2s;position:relative}
.desktop-nav > a:hover,.desktop-nav > a.active{color:var(--coral)}
.desktop-nav > a.active::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--coral);border-radius:2px}
.desktop-nav > a.btn-primary,.mobile-nav a.btn-primary{color:var(--white)}
.desktop-nav > a.btn-primary:hover,.mobile-nav a.btn-primary:hover{color:var(--white)}
.desktop-nav > a.btn-primary.active::after{display:none}
.menu-btn{display:none;background:transparent;border:1.5px solid var(--border);border-radius:8px;width:46px;height:46px;font-size:1.3rem;cursor:pointer;align-items:center;justify-content:center}
.mobile-nav{display:none;flex-direction:column;gap:4px;padding:4px 16px 22px;border-top:1px solid var(--border)}
.mobile-nav.open{display:flex}
.mobile-nav a{padding:14px 10px;border-radius:8px;font-weight:600}
.mobile-nav a:hover{background:var(--coral-soft);color:var(--coral)}

/* Hero */
.page-hero{padding:64px 0 56px;background:linear-gradient(180deg,var(--off-white),var(--white))}
.page-hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:56px;align-items:center}
.page-hero h1{margin-bottom:18px}
.page-hero .subhead{font-size:1.2rem;line-height:1.55;color:var(--ink);font-weight:500;margin:0 0 24px;font-family:'Playfair Display',serif;font-style:italic;max-width:620px}
.hero-photo-wrap{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3}
.hero-photo-wrap img{width:100%;height:100%;object-fit:cover;object-position:center}
.page-crumb{font-size:.85rem;color:var(--muted);margin-bottom:18px;letter-spacing:.04em}
.page-crumb a{color:var(--coral);font-weight:600}

/* Trust row / chips */
.trust-row{display:flex;gap:22px;flex-wrap:wrap;margin:14px 0 4px}
.trust-row span{display:inline-flex;align-items:center;gap:8px;font-size:.95rem;font-weight:600;color:var(--ink)}
.tick{width:22px;height:22px;border-radius:50%;background:var(--coral);color:var(--white);display:inline-flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:700}
.tick-green{background:var(--green)}
.chip{display:inline-flex;align-items:center;gap:6px;background:var(--white);border:1.5px solid var(--border);border-radius:999px;padding:8px 16px;font-size:.82rem;font-weight:600;color:var(--ink);transition:.2s}
.chip:hover{border-color:var(--coral);color:var(--coral);transform:translateY(-1px)}
.chip-coral{background:var(--coral-soft);color:var(--coral);border-color:transparent}
.chip-green{background:var(--green-soft);color:var(--green);border-color:transparent}
.chip-gold{background:var(--gold-soft);color:var(--gold);border-color:transparent}
.chip-navy{background:var(--navy);color:var(--white);border-color:transparent}

/* Cards / Forms */
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:28px}
.card-lg{padding:36px;box-shadow:var(--shadow);border-radius:var(--radius-lg)}
.hero-form{background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:30px;border:1px solid var(--border)}
.hero-form h3{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;margin-bottom:6px;color:var(--ink);letter-spacing:-.01em}
.hero-form p{font-size:.9rem;margin-bottom:18px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}
.form-group{margin-bottom:12px}
.form-group label{display:block;font-size:.82rem;font-weight:600;color:var(--ink);margin-bottom:6px;letter-spacing:.02em}
.form-group input,.form-group select,.form-group textarea{
  width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:8px;
  font-size:.93rem;background:var(--off-white);transition:.2s;color:var(--ink);
}
.form-group input::placeholder,.form-group textarea::placeholder{color:var(--muted)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:2px solid var(--coral);outline-offset:2px;border-color:var(--coral);background:var(--white)}
.form-group textarea{resize:vertical;min-height:90px}
.form-hint{font-size:.78rem;color:var(--muted);margin-top:6px}
.form-error{color:#b0281a;font-size:.82rem;margin-top:6px;display:none}
.form-error.show{display:block}
.consent{display:flex;gap:8px;align-items:flex-start;font-size:.8rem;color:var(--muted);margin:10px 0 14px}
.consent input{margin-top:3px;flex-shrink:0}

/* Range / radio button groups */
.range-row{display:flex;align-items:center;gap:14px}
.range-row input[type=range]{flex:1;accent-color:var(--coral)}
.range-val{font-weight:700;color:var(--coral);font-size:1.05rem;min-width:90px;text-align:right;font-variant-numeric:tabular-nums}
.radio-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.radio-grid label{
  display:flex;align-items:center;gap:10px;padding:14px 14px;border:1.5px solid var(--border);
  border-radius:10px;cursor:pointer;background:var(--off-white);transition:.2s;font-weight:600;font-size:.92rem;
}
.radio-grid label:hover{border-color:var(--coral)}
.radio-grid input[type=radio]{accent-color:var(--coral);margin:0}
.radio-grid input[type=radio]:checked + span{color:var(--coral)}
.radio-grid label:has(input:checked){border-color:var(--coral);background:var(--coral-soft);color:var(--coral)}

/* Urgency tag */
.urgency{
  display:inline-flex;align-items:center;gap:8px;background:var(--gold-soft);color:var(--gold);
  padding:6px 14px;border-radius:999px;font-size:.76rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  margin-bottom:10px;
}
.urgency::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold);animation:pulse 1.8s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.35}}

/* Lenders strip */
.lenders-strip{padding:56px 0;background:var(--cream);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.lenders-head{text-align:center;margin-bottom:30px}
.lenders-head h3{font-family:'Playfair Display',serif;font-weight:600;font-size:1.35rem;color:var(--ink);margin:0}
.lenders-grid{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.lender-chip{background:var(--white);border:1.5px solid var(--border);color:var(--ink);padding:12px 22px;border-radius:999px;font-size:.9rem;font-weight:600;transition:.25s}
.lender-chip:hover{border-color:var(--coral);color:var(--coral);transform:translateY(-2px)}

/* Stat strip */
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:36px}
.stat-cell .num{font-family:'Playfair Display',serif;font-size:clamp(2rem,3.5vw,2.6rem);color:var(--coral);font-weight:700;line-height:1;display:block;margin-bottom:6px}
.stat-cell .label{font-size:.88rem;color:var(--muted);font-weight:500;line-height:1.3}

/* Situations grid (B-lending focus) */
.situations-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.situation-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);padding:26px 24px;transition:.25s;cursor:pointer;display:flex;flex-direction:column;gap:10px;text-align:left}
.situation-card:hover{border-color:var(--coral);transform:translateY(-4px);box-shadow:var(--shadow-sm)}
.situation-icon{width:52px;height:52px;border-radius:12px;background:var(--coral-soft);color:var(--coral);display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.situation-card h3{margin:4px 0 2px;font-size:1.08rem}
.situation-card p{font-size:.93rem;margin:0;color:var(--muted)}
.situation-card .situation-link{color:var(--coral);font-weight:700;font-size:.86rem;margin-top:auto;padding-top:10px}

/* Benefits row */
.benefits-row{display:grid;grid-template-columns:repeat(5,1fr);gap:0;margin-top:44px;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
.benefit{padding:40px 22px;text-align:center;background:var(--white);border-right:1px solid var(--border)}
.benefit:last-child{border-right:none}
.benefit:nth-child(even){background:var(--coral);color:var(--white)}
.benefit h3{margin-bottom:12px}
.benefit:nth-child(even) h3{color:var(--white)}
.benefit p{font-size:.93rem;margin:0;line-height:1.55}
.benefit:nth-child(even) p{color:rgba(255,255,255,.95)}

/* How it works */
.how-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;align-items:center}
.how-steps{list-style:none;padding:0;margin:24px 0 0;counter-reset:step}
.how-steps li{padding:20px 0 20px 64px;position:relative;border-bottom:1px solid var(--border);counter-increment:step}
.how-steps li:last-child{border-bottom:none}
.how-steps li::before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:22px;font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--coral)}
.how-steps strong{display:block;margin-bottom:4px;color:var(--ink);font-size:1.05rem}
.how-steps p{margin:0;font-size:.94rem}
.how-image{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/5}
.how-image img{width:100%;height:100%;object-fit:cover}

/* Services / solutions cards */
.solutions-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.solution-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:0;text-align:center;box-shadow:var(--shadow-sm);transition:.25s;overflow:hidden;display:flex;flex-direction:column}
.solution-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.solution-photo{width:100%;aspect-ratio:16/10;background:var(--coral-soft);position:relative;overflow:hidden}
.solution-photo img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.solution-card:hover .solution-photo img{transform:scale(1.04)}
.solution-body{padding:32px 26px;display:flex;flex-direction:column;flex-grow:1}
.solution-icon{width:60px;height:60px;border-radius:14px;background:var(--white);color:var(--coral);display:inline-flex;align-items:center;justify-content:center;margin:-54px auto 16px;position:relative;z-index:2;box-shadow:var(--shadow);border:1px solid var(--border)}
.solution-card h3{margin-bottom:10px;font-size:1.25rem}
.solution-card p{font-size:.95rem;margin-bottom:20px;flex-grow:1}
.solution-card .btn{padding:0 22px;min-height:44px;font-size:.88rem;align-self:center}

/* Why cards */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:36px;margin-top:40px}
.why-card{text-align:center;padding:16px}
.why-icon{width:68px;height:68px;border-radius:16px;background:var(--coral-soft);color:var(--coral);display:inline-flex;align-items:center;justify-content:center;margin-bottom:18px}

/* Testimonials */
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
.quote{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:32px 28px;box-shadow:var(--shadow-sm)}
.quote .stars{color:var(--coral);margin-bottom:14px;letter-spacing:3px;font-size:.95rem}
.quote p{font-style:italic;color:var(--ink);margin-bottom:18px;font-size:.98rem;line-height:1.65}
.quote .person{display:flex;align-items:center;gap:12px}
.quote .avatar{width:44px;height:44px;border-radius:50%;background:var(--coral-soft);color:var(--coral);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem;flex-shrink:0}
.quote .name{font-weight:700;color:var(--ink);font-size:.95rem;line-height:1.3}
.quote .loc{font-size:.82rem;color:var(--muted);font-weight:500}
.quote .tag{display:inline-block;background:var(--green-soft);color:var(--green);font-size:.7rem;font-weight:700;padding:3px 9px;border-radius:6px;letter-spacing:.04em;text-transform:uppercase;margin-bottom:10px}

/* Tips list */
.tips-list{list-style:none;padding:0;margin:24px 0 0}
.tips-list li{padding:16px 0 16px 36px;position:relative;font-size:1rem;color:var(--ink);line-height:1.55}
.tips-list li::before{content:"\2713";position:absolute;left:0;top:18px;width:22px;height:22px;border-radius:50%;background:var(--coral);color:var(--white);display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:700}
.tips-list strong{color:var(--ink);display:block;margin-bottom:2px}
.tips-list span{color:var(--muted);font-size:.95rem;font-weight:400}

/* Phone CTA */
.phone-cta{text-align:center;padding:64px 24px;background:var(--cream);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.phone-cta h2{max-width:780px;margin:0 auto 14px}
.phone-cta p{max-width:580px;margin:0 auto 24px;font-size:1.02rem}

/* CTA band */
.cta-band{background:linear-gradient(135deg,rgba(43,26,31,.92),rgba(62,38,45,.92)),url("home.jpg") center/cover no-repeat,linear-gradient(135deg,var(--navy),var(--navy-soft));color:var(--white);border-radius:var(--radius-lg);padding:64px 44px;text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;top:-150px;right:-150px;width:450px;height:450px;background:radial-gradient(circle,rgba(184,145,90,.32),transparent 70%);border-radius:50%}
.cta-band h2{color:var(--white);position:relative;z-index:1}
.cta-band .accent{color:var(--gold)}
.cta-band p{color:rgba(255,255,255,.88);position:relative;z-index:1;font-size:1.08rem;max-width:600px;margin:0 auto 24px}
.cta-band .btn-row{justify-content:center;position:relative;z-index:1}

/* Resources / Blog cards */
.resources-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
.resource-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:.25s;display:flex;flex-direction:column}
.resource-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.resource-photo{position:relative;aspect-ratio:16/10;overflow:hidden}
.resource-photo img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.resource-card:hover .resource-photo img{transform:scale(1.05)}
.resource-tag{position:absolute;top:14px;left:14px;background:var(--coral);color:var(--white);padding:5px 12px;border-radius:999px;font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.resource-body{padding:24px 26px 28px;display:flex;flex-direction:column;flex-grow:1}
.resource-date{font-size:.76rem;color:var(--muted);font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
.resource-body h3{margin-bottom:10px;font-size:1.15rem;color:var(--ink);line-height:1.35}
.resource-body p{font-size:.94rem;margin-bottom:18px;flex-grow:1}
.resource-link{color:var(--coral);font-weight:700;font-size:.92rem;align-self:flex-start;transition:.2s}

/* FAQ */
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:1040px;margin:40px auto 0}
.faq-item{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:0;overflow:hidden;transition:.25s}
.faq-item[open]{border-color:var(--coral);box-shadow:var(--shadow-sm)}
.faq-item summary{padding:20px 26px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;font-weight:700;font-size:1.02rem;color:var(--ink);transition:.2s}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:hover{color:var(--coral)}
.faq-item summary::after{content:"+";font-size:1.5rem;font-weight:400;color:var(--coral);flex-shrink:0;transition:transform .25s;line-height:1}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .faq-body{padding:0 26px 22px;color:var(--muted);font-size:.94rem;line-height:1.65}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:56px;align-items:start}
.contact-info-list{list-style:none;padding:0;margin:24px 0 0}
.contact-info-list li{display:grid;grid-template-columns:auto 1fr;gap:18px;padding:18px 0;border-bottom:1px solid var(--border)}
.contact-info-list li:last-child{border-bottom:none}
.contact-info-list .icon-box{width:44px;height:44px;border-radius:12px;background:var(--coral-soft);color:var(--coral);display:flex;align-items:center;justify-content:center}
.contact-info-list strong{display:block;color:var(--ink);font-size:.95rem;margin-bottom:2px}
.contact-info-list a{color:var(--coral);font-weight:600;font-size:1rem}
.contact-info-list span{color:var(--muted);font-size:.95rem}

/* Footer */
footer{background:var(--navy);color:rgba(255,255,255,.88);padding:70px 0 30px}
footer h4{color:var(--white);font-family:'Inter',sans-serif;font-size:1rem;font-weight:700;margin:0 0 20px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px}
footer a{color:rgba(255,255,255,.76);transition:.2s;display:block;padding:5px 0;font-size:.94rem}
footer a:hover{color:var(--coral)}
.footer-brand{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.footer-brand img{width:54px;height:54px;background:transparent;object-fit:contain}
.footer-brand strong{color:var(--white);font-family:'Playfair Display',serif;font-size:1.4rem;display:block}
.footer-brand span{font-size:.78rem;color:rgba(255,255,255,.7);display:block}
.footer-about{color:rgba(255,255,255,.72);font-size:.92rem;margin-bottom:18px;line-height:1.65}
.footer-license{background:rgba(0,0,0,.25);border-radius:10px;padding:14px 16px;font-size:.82rem;color:rgba(255,255,255,.78);line-height:1.55}
.footer-license strong{color:var(--coral);display:block;margin-bottom:6px;font-size:.76rem;text-transform:uppercase;letter-spacing:.08em}
.footer-social{display:flex;gap:10px;margin:18px 0}
.footer-social a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);color:rgba(255,255,255,.85);display:flex;align-items:center;justify-content:center;padding:0;transition:.25s}
.footer-social a:hover{background:var(--coral);color:var(--white);transform:translateY(-2px)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;font-size:.84rem;color:rgba(255,255,255,.62);line-height:1.6}
.footer-bottom a{display:inline;padding:0;margin:0 6px;color:rgba(255,255,255,.72)}

/* Floating WhatsApp + sticky mobile CTA */
.floating-whatsapp{position:fixed;right:24px;bottom:28px;z-index:60;background:#25D366;color:#fff;width:62px;height:62px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;box-shadow:0 18px 34px rgba(37,211,102,.32);font-weight:800;font-size:1.7rem;transition:.25s}
.floating-whatsapp:hover{transform:scale(1.08)}
.mobile-sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:58;background:var(--white);border-top:1px solid var(--border);box-shadow:0 -12px 28px rgba(0,0,0,.08);padding:10px 12px;gap:10px}
.mobile-sticky-cta .btn{flex:1;min-height:48px;padding:0 10px;font-size:.88rem}

/* Social proof notification (bottom-left) */
.social-proof{position:fixed;left:18px;bottom:22px;z-index:55;background:var(--white);border:1px solid var(--border);border-radius:14px;box-shadow:var(--shadow);padding:12px 14px 12px 12px;display:none;gap:12px;align-items:center;max-width:320px;animation:sp-in .4s ease}
.social-proof.show{display:flex}
.social-proof img,.social-proof .sp-avatar{width:40px;height:40px;border-radius:50%;background:var(--coral-soft);color:var(--coral);display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0}
.social-proof strong{font-size:.92rem;color:var(--ink);display:block;line-height:1.25}
.social-proof span{font-size:.76rem;color:var(--muted)}
.social-proof .sp-close{position:absolute;right:6px;top:4px;background:transparent;border:none;color:var(--muted);font-size:1rem;cursor:pointer;line-height:1}
@keyframes sp-in{from{transform:translateY(20px);opacity:0}to{transform:translateY(0);opacity:1}}

/* Modal (exit intent / gated download) */
.modal-backdrop{position:fixed;inset:0;background:rgba(43,26,31,.65);backdrop-filter:blur(6px);z-index:90;display:none;align-items:center;justify-content:center;padding:16px}
.modal-backdrop.open{display:flex}
.modal{background:var(--white);border-radius:var(--radius-lg);max-width:520px;width:100%;padding:34px 30px;position:relative;box-shadow:var(--shadow-lg);animation:m-in .3s ease}
.modal h3{font-family:'Playfair Display',serif;font-size:1.6rem;margin-bottom:10px}
.modal p{font-size:.96rem;margin-bottom:18px}
.modal .modal-close{position:absolute;right:14px;top:10px;background:transparent;border:none;font-size:1.5rem;cursor:pointer;color:var(--muted)}
.modal .modal-close:hover{color:var(--coral)}
@keyframes m-in{from{transform:translateY(20px);opacity:0}to{transform:translateY(0);opacity:1}}

/* Calculator */
.calc-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:start}
.calc-tabs{display:flex;gap:6px;background:var(--off-white);border-radius:10px;padding:6px;margin-bottom:22px}
.calc-tab{flex:1;padding:12px 14px;text-align:center;font-weight:700;font-size:.88rem;border-radius:8px;cursor:pointer;color:var(--muted);transition:.2s;border:none;background:transparent}
.calc-tab.active{background:var(--white);color:var(--coral);box-shadow:var(--shadow-sm)}
.calc-result{background:var(--navy);color:var(--white);border-radius:var(--radius-lg);padding:32px;text-align:center;position:sticky;top:120px}
.calc-result small{opacity:.65;letter-spacing:.1em;text-transform:uppercase;font-size:.8rem;font-weight:700}
.calc-result .big{font-family:'Playfair Display',serif;font-size:clamp(2.4rem,4.5vw,3.4rem);font-weight:700;line-height:1.1;margin:6px 0;color:var(--white)}
.calc-result .sub{color:rgba(255,255,255,.78);font-size:.92rem;margin-bottom:18px}
.calc-breakdown{text-align:left;margin-top:20px;padding-top:20px;border-top:1px solid rgba(255,255,255,.18)}
.calc-breakdown-row{display:flex;justify-content:space-between;padding:8px 0;font-size:.9rem}
.calc-breakdown-row span:first-child{color:rgba(255,255,255,.72)}
.calc-breakdown-row span:last-child{font-weight:700;color:var(--white);font-variant-numeric:tabular-nums}

/* Multi-step form */
.steps-bar{display:flex;gap:8px;margin-bottom:30px}
.step-dot{flex:1;height:6px;background:var(--border);border-radius:3px;transition:.3s}
.step-dot.active{background:var(--coral)}
.step-dot.done{background:var(--green)}
.step-panel{display:none}
.step-panel.active{display:block;animation:panel-in .35s ease}
@keyframes panel-in{from{transform:translateX(10px);opacity:0}to{transform:translateX(0);opacity:1}}
.step-nav{display:flex;justify-content:space-between;gap:12px;margin-top:18px}
.step-label{color:var(--muted);font-size:.85rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:6px;display:block}
.option-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.option-tile{padding:18px 16px;border:1.5px solid var(--border);border-radius:10px;cursor:pointer;transition:.2s;background:var(--off-white);display:flex;align-items:center;gap:12px;font-weight:600;font-size:.95rem}
.option-tile:hover{border-color:var(--coral)}
.option-tile input[type=radio],.option-tile input[type=checkbox]{accent-color:var(--coral);margin:0;flex-shrink:0}
.option-tile:has(input:checked){border-color:var(--coral);background:var(--coral-soft);color:var(--coral)}

/* Misc */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.hr{height:1px;background:var(--border);margin:50px 0;border:none}
.split-photo{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/5}
.split-photo img{width:100%;height:100%;object-fit:cover}
.badge-line{display:inline-flex;align-items:center;gap:6px;color:var(--green);font-weight:700;font-size:.86rem;margin-bottom:10px}

/* Rate table */
.rate-table{width:100%;border-collapse:separate;border-spacing:0;background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}
.rate-table th,.rate-table td{padding:14px 18px;text-align:left;font-size:.94rem}
.rate-table thead{background:var(--off-white)}
.rate-table th{font-weight:700;color:var(--ink);font-size:.85rem;letter-spacing:.04em;text-transform:uppercase}
.rate-table tbody tr{border-top:1px solid var(--border)}
.rate-table tbody tr:hover{background:var(--off-white)}
.rate-table .rate-val{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--coral);font-weight:700}
.rate-note{font-size:.82rem;color:var(--muted);margin-top:14px;line-height:1.5}

/* Responsive */
@media (max-width:1080px){
  .page-hero-grid,.how-grid,.contact-grid,.grid-2,.calc-grid,.footer-grid{grid-template-columns:1fr;gap:44px}
  .benefits-row{grid-template-columns:repeat(2,1fr)}
  .benefit{border-right:none;border-bottom:1px solid var(--border)}
  .why-grid{grid-template-columns:repeat(2,1fr);gap:40px}
  .solutions-grid,.testimonials-grid,.resources-grid,.situations-grid,.grid-3{grid-template-columns:1fr}
  .stat-row{grid-template-columns:repeat(2,1fr)}
  .calc-result{position:static}
}
@media (max-width:860px){
  .desktop-nav{display:none}
  .menu-btn{display:inline-flex}
  .section{padding:60px 0}
  .page-hero{padding:48px 0 40px}
  .faq-grid{grid-template-columns:1fr}
  .form-row,.radio-grid,.option-grid{grid-template-columns:1fr}
  .topbar{padding:12px 0}
  .topbar-name{font-size:1.35rem}
  .topbar-row-1{gap:10px}
  .topbar-contact{gap:12px;width:100%;justify-content:flex-start}
  .topbar-item{font-size:.88rem}
  .topbar-item svg{width:16px;height:16px}
  .topbar-social{margin-left:auto}
  .topbar-social a{width:32px;height:32px}
  .topbar-row-2{font-size:.76rem;gap:6px}
  .topbar-row-2 .topbar-dot{display:none}
  .cta-band{padding:44px 24px}
  .benefits-row{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr 1fr;gap:20px}
  .btn-row .btn{width:100%}
  .brand-text span{display:none}
  .brand-logo{width:50px;height:50px}
  .mobile-sticky-cta{display:flex}
  .floating-whatsapp{bottom:82px;right:16px;width:54px;height:54px}
  .rate-table{display:block;overflow-x:auto;white-space:nowrap}
  .social-proof{left:8px;right:8px;bottom:82px;max-width:none}
}
@media (max-width:520px){
  h1{font-size:2.1rem}
  h2{font-size:1.7rem}
  .card-lg{padding:24px}
}

/* ---- Zoho SalesIQ position override ---- */
/* Keep SalesIQ bubble on the left so it doesn't overlap the WhatsApp float (right). */
#zsiq_float,.zsiqchaticon,div[id^="siqbtn"],div[id^="siq"]{left:20px!important;right:auto!important}
@media (max-width:860px){
  #zsiq_float,.zsiqchaticon,div[id^="siqbtn"],div[id^="siq"]{bottom:82px!important}
}

/* ============================================================
   v9 — Nav Dropdown: Mortgage Services
   ============================================================ */
.nav-dropdown-wrap{position:relative;display:inline-flex;align-items:center;flex-shrink:0;white-space:nowrap}
.nav-dropdown-wrap > a{cursor:pointer;font-size:.94rem;font-weight:600;color:var(--ink);transition:color .2s;position:relative;white-space:nowrap}
.nav-dropdown-wrap > a:hover,.nav-dropdown-wrap > a.active{color:var(--coral)}
.nav-dropdown-wrap > a.active::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--coral);border-radius:2px}
.nav-chevron{font-size:.7rem;opacity:.7;transition:transform .2s;display:inline-block;margin-left:2px}
.nav-dropdown-wrap:hover .nav-chevron{transform:rotate(180deg)}
.nav-dropdown{
  display:none;position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow);min-width:230px;padding:8px 0;z-index:200;
  animation:dropIn .18s ease
}
@keyframes dropIn{from{opacity:0;transform:translateX(-50%) translateY(-6px)}to{opacity:1;transform:translateX(-50%) translateY(0)}}
.nav-dropdown-wrap:hover .nav-dropdown{display:block}
.nav-dropdown a{display:block;padding:10px 20px;font-size:.88rem;font-weight:600;color:var(--ink);transition:background .15s,color .15s;white-space:nowrap}
.nav-dropdown a:hover,.nav-dropdown a.active{background:var(--coral-soft);color:var(--coral)}
.nav-dropdown-divider{height:1px;background:var(--border);margin:6px 12px}
.nav-dropdown-all{color:var(--coral)\!important;font-weight:700\!important}
.nav-dropdown-all:hover{background:var(--coral-soft)\!important}
/* Mobile sub-links */
.mobile-nav-sub{padding:9px 10px 9px 32px\!important;font-size:.84rem\!important;color:var(--muted)\!important}
.mobile-nav-sub:hover,.mobile-nav-sub.active{background:var(--coral-soft)\!important;color:var(--coral)\!important}

/* ============================================================
   v9 — Product Page Styles
   ============================================================ */
.product-hero{position:relative;min-height:420px;display:flex;align-items:flex-end;overflow:hidden;border-radius:0}
.product-hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.product-hero-overlay{position:absolute;inset:0;background:linear-gradient(to top,rgba(43,26,31,.88) 40%,rgba(43,26,31,.3) 100%)}
.product-hero-content{position:relative;z-index:2;padding:60px 0 52px;color:var(--white)}
.product-hero-content .eyebrow{color:rgba(255,255,255,.75)}
.product-hero-content h1{color:var(--white);margin-bottom:14px}
.product-hero-content p{color:rgba(255,255,255,.88);font-size:1.08rem;max-width:640px;margin-bottom:0}

/* Problem-Solution banner */
.ps-band{background:var(--cream);border-left:4px solid var(--coral);border-radius:0 var(--radius) var(--radius) 0;padding:28px 32px;margin-bottom:0}
.ps-band h3{margin-bottom:8px;font-size:1.1rem;color:var(--navy)}
.ps-band p{margin:0;font-size:.96rem}

/* Info grid cards */
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.info-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm)}
.info-card h4{color:var(--coral);margin-bottom:14px;font-size:.95rem;text-transform:uppercase;letter-spacing:.08em}
.info-card ul{margin:0;padding-left:18px;color:var(--muted)}
.info-card ul li{margin-bottom:8px;font-size:.92rem;line-height:1.5}
.info-card ul li:last-child{margin-bottom:0}

/* Government programs strip */
.gov-strip{background:var(--navy);color:var(--white);border-radius:var(--radius-lg);padding:48px 44px}
.gov-strip h2{color:var(--white);margin-bottom:8px}
.gov-strip p{color:rgba(255,255,255,.8);margin-bottom:28px}
.gov-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.gov-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:22px}
.gov-card h4{color:var(--gold-soft,#F4E8D0);margin-bottom:8px;font-size:.95rem}
.gov-card p{color:rgba(255,255,255,.75);font-size:.88rem;margin:0}

/* Why this product */
.why-strip{background:var(--coral-soft);border-radius:var(--radius-lg);padding:48px 44px}
.why-strip h2{color:var(--navy);margin-bottom:16px}
.why-points{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:28px}
.why-point{display:flex;gap:14px;align-items:flex-start}
.why-point-icon{width:42px;height:42px;background:var(--coral);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--white);font-size:1.1rem}
.why-point-text h4{margin:0 0 4px;font-size:.93rem;color:var(--navy)}
.why-point-text p{margin:0;font-size:.87rem;color:var(--muted)}

/* Video section */
.video-section{text-align:center}
.video-wrap{position:relative;padding-bottom:56.25%;height:0;overflow:hidden;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);background:var(--navy)}
.video-wrap iframe{position:absolute;top:0;left:0;width:100%;height:100%;border:0;border-radius:var(--radius-lg)}
.video-placeholder{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;color:var(--white)}
.video-placeholder-icon{width:72px;height:72px;background:var(--coral);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:2rem}
.video-placeholder p{opacity:.75;font-size:.92rem;margin:0}

/* Contact strip */
.contact-strip{background:var(--navy);color:var(--white);border-radius:var(--radius-lg);padding:52px 44px;text-align:center}
.contact-strip h2{color:var(--white);margin-bottom:10px}
.contact-strip p{color:rgba(255,255,255,.8);margin-bottom:32px;font-size:1.05rem}
.contact-methods{display:flex;justify-content:center;flex-wrap:wrap;gap:16px}
.contact-method{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:10px;padding:14px 22px;color:var(--white);font-weight:600;font-size:.96rem;transition:.2s}
.contact-method:hover{background:var(--coral);border-color:var(--coral);transform:translateY(-2px)}
.contact-method svg{flex-shrink:0}

@media(max-width:768px){
  .product-hero{min-height:320px}
  .gov-strip,.why-strip,.contact-strip{padding:36px 24px}
  .ps-band{padding:22px 20px}
}

/* Balanced card grids on smaller screens (avoid orphaned last rows) */
@media (max-width:860px){
  .info-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:520px){
  .info-grid,.gov-grid,.why-points{grid-template-columns:1fr}
}