/* ============================================================
   VAL GARROW LOANS — Style Sheet
   Design: Dark premium mortgage brand, inspired by TrueNorth
   Palette: Near-black + white + electric gold accent
   Fonts: Cabinet Grotesk (display) + Satoshi (body)
============================================================ */

/* ── DESIGN TOKENS ─────────────────────────────────────── */
:root {
  /* Type scale */
  --text-xs:   clamp(0.75rem,  0.7rem + 0.25vw, 0.875rem);
  --text-sm:   clamp(0.875rem, 0.8rem + 0.35vw, 1rem);
  --text-base: clamp(1rem,     0.95rem + 0.25vw, 1.125rem);
  --text-lg:   clamp(1.125rem, 1rem + 0.75vw,   1.5rem);
  --text-xl:   clamp(1.5rem,   1.2rem + 1.25vw, 2.25rem);
  --text-2xl:  clamp(2rem,     1.2rem + 2.5vw,  3.5rem);
  --text-3xl:  clamp(2.5rem,   1rem + 4vw,      5rem);
  --text-hero: clamp(3rem,     0.5rem + 7vw,    8rem);

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Brand Colors */
  --color-bg:           #0d0d0d;
  --color-surface:      #151515;
  --color-surface-2:    #1c1c1c;
  --color-border:       #2a2a2a;
  --color-text:         #f0ede8;
  --color-text-muted:   #8a8680;
  --color-text-faint:   #4a4845;
  --color-accent:       #d4a843;      /* warm gold */
  --color-accent-hover: #c49535;
  --color-accent-dim:   rgba(212,168,67,0.12);
  --color-white:        #ffffff;
  --color-light-bg:     #f8f6f2;
  --color-light-text:   #1a1816;

  /* Fonts */
  --font-display: 'Cabinet Grotesk', 'Helvetica Neue', sans-serif;
  --font-body:    'Satoshi', 'Inter', sans-serif;

  /* Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.625rem;
  --radius-lg: 1rem;
  --radius-xl: 1.5rem;
  --radius-full: 9999px;

  /* Transitions */
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --trans: 200ms var(--ease);

  /* Content widths */
  --content-default: 1160px;
  --content-narrow:  720px;
}

/* ── BASE RESET ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.65;
  overflow-x: hidden;
}
img, video { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
h1,h2,h3,h4,h5 { line-height: 1.1; text-wrap: balance; }
p, li { text-wrap: pretty; max-width: 70ch; }
ul[role="list"], ol[role="list"] { list-style: none; }
input, button, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: none; }
::selection { background: rgba(212,168,67,0.25); color: var(--color-text); }
:focus-visible { outline: 2px solid var(--color-accent); outline-offset: 3px; border-radius: var(--radius-sm); }

/* ── LAYOUT HELPERS ─────────────────────────────────────── */
.container {
  max-width: var(--content-default);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
}
.section-light {
  background: var(--color-light-bg);
  color: var(--color-light-text);
}
.section-dark {
  background: var(--color-bg);
  color: var(--color-text);
}

/* ── TYPOGRAPHY HELPERS ─────────────────────────────────── */
.section-eyebrow {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}
.section-eyebrow-light {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}
.section-headline {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-light-text);
  margin-bottom: var(--space-5);
  letter-spacing: -0.03em;
}
.section-headline-light {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-text);
  margin-bottom: var(--space-5);
  letter-spacing: -0.03em;
}
.accent-text { color: var(--color-accent); }

/* ── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 600;
  padding: 0.65em 1.5em;
  border-radius: var(--radius-full);
  transition: all var(--trans);
  white-space: nowrap;
  border: 2px solid transparent;
}
.btn-primary {
  background: var(--color-accent);
  color: #0d0d0d;
  border-color: var(--color-accent);
}
.btn-primary:hover { background: var(--color-accent-hover); border-color: var(--color-accent-hover); transform: translateY(-1px); }
.btn-ghost {
  background: transparent;
  color: var(--color-text);
  border-color: rgba(240,237,232,0.25);
}
.btn-ghost:hover { border-color: var(--color-accent); color: var(--color-accent); }
.btn-accent-hero {
  background: var(--color-accent);
  color: #0d0d0d;
  font-size: var(--text-base);
  font-weight: 700;
  padding: 0.8em 2em;
  border-radius: var(--radius-full);
}
.btn-accent-hero:hover { background: var(--color-accent-hover); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(212,168,67,0.3); }
.btn-outline-hero {
  background: transparent;
  color: var(--color-white);
  border: 2px solid rgba(255,255,255,0.4);
  font-size: var(--text-base);
  font-weight: 600;
  padding: 0.8em 2em;
  border-radius: var(--radius-full);
}
.btn-outline-hero:hover { border-color: var(--color-white); background: rgba(255,255,255,0.08); }
.btn-ghost-full, .btn-primary-full {
  display: block; width: 100%; text-align: center;
  padding: 0.75em; border-radius: var(--radius-md);
  font-weight: 600; font-size: var(--text-base);
}
.btn-ghost-full { border: 1.5px solid rgba(240,237,232,0.25); color: var(--color-text); }
.btn-ghost-full:hover { border-color: var(--color-accent); }
.btn-primary-full { background: var(--color-accent); color: #0d0d0d; }
.btn-primary-full:hover { background: var(--color-accent-hover); }
.btn-accent-full {
  display: block; width: 100%; text-align: center;
  padding: 0.85em; border-radius: var(--radius-md);
  font-weight: 700; font-size: var(--text-base);
  background: var(--color-accent); color: #0d0d0d;
  transition: all var(--trans);
}
.btn-accent-full:hover { background: var(--color-accent-hover); transform: translateY(-1px); }

/* ── HEADER ─────────────────────────────────────────────── */
.header {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(13,13,13,0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--trans);
}
.header--scrolled { box-shadow: 0 4px 24px rgba(0,0,0,0.4); }
.header-inner {
  max-width: var(--content-default);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 4vw, var(--space-12));
  height: 72px;
  display: flex;
  align-items: center;
  gap: var(--space-8);
}
.logo { display: flex; align-items: center; flex-shrink: 0; }
.logo-svg { height: 40px; width: auto; }
.nav-links {
  display: flex;
  gap: var(--space-6);
  flex: 1;
}
.nav-links a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-muted);
  transition: color var(--trans);
}
.nav-links a:hover { color: var(--color-text); }
.header-ctas { display: flex; gap: var(--space-3); flex-shrink: 0; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: var(--space-2);
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--color-text);
  border-radius: 2px;
  transition: all var(--trans);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Menu */
.mobile-menu {
  display: none;
  flex-direction: column;
  gap: var(--space-6);
  background: var(--color-surface);
  padding: var(--space-8) clamp(var(--space-6), 5vw, var(--space-12));
  border-top: 1px solid var(--color-border);
}
.mobile-menu.open { display: flex; }
.mobile-menu nav { display: flex; flex-direction: column; gap: var(--space-4); }
.mobile-link {
  font-size: var(--text-lg);
  font-weight: 600;
  color: var(--color-text);
  padding-block: var(--space-2);
  border-bottom: 1px solid var(--color-border);
}
.mobile-ctas { display: flex; flex-direction: column; gap: var(--space-3); }

/* ── HERO ───────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  padding-top: 72px;
}
.hero-bg {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center 40%;
  background-repeat: no-repeat;
  transform: scale(1.05);
  will-change: transform;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(5,5,5,0.55) 0%,
    rgba(5,5,5,0.60) 50%,
    rgba(5,5,5,0.85) 100%
  );
}
.hero-content {
  position: relative; z-index: 2;
  text-align: center;
  max-width: 820px;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
  padding-block: var(--space-16);
}
.hero-eyebrow {
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 4rem);
  font-weight: 800;
  color: var(--color-white);
  letter-spacing: -0.04em;
  line-height: 1;
  margin-bottom: var(--space-6);
  text-transform: none;
}
.hero-sub {
  font-size: var(--text-lg);
  color: rgba(240,237,232,0.8);
  max-width: 60ch;
  margin-inline: auto;
  margin-bottom: var(--space-10);
  line-height: 1.6;
}
.hero-actions {
  display: flex;
  gap: var(--space-4);
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: var(--space-16);
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: var(--space-8);
  justify-content: center;
  flex-wrap: wrap;
}
.trust-item { text-align: center; }
.trust-num {
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--color-accent);
  line-height: 1;
}
.trust-label {
  display: block;
  font-size: var(--text-xs);
  color: rgba(240,237,232,0.6);
  letter-spacing: 0.05em;
  margin-top: var(--space-1);
}
.trust-divider { width: 1px; height: 40px; background: rgba(240,237,232,0.2); }
.scroll-hint {
  position: absolute; bottom: var(--space-8); left: 50%;
  transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center;
  z-index: 2;
}
.scroll-dot {
  width: 6px; height: 6px;
  background: var(--color-accent);
  border-radius: var(--radius-full);
  animation: scrollBounce 2s infinite;
}
@keyframes scrollBounce {
  0%,100% { transform: translateY(0); opacity: 1; }
  50% { transform: translateY(8px); opacity: 0.4; }
}

/* ── ABOUT ──────────────────────────────────────────────── */
.about {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: clamp(var(--space-10), 6vw, var(--space-20));
  align-items: center;
}
.about-image-wrap {
  position: relative;
}
.about-img {
  width: 100%;
  border-radius: var(--radius-xl);
  object-fit: cover;
  aspect-ratio: 4/5;
  box-shadow: 0 24px 64px rgba(0,0,0,0.2);
}
.about-badge {
  position: absolute;
  bottom: var(--space-6);
  left: calc(-1 * var(--space-6));
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-5);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: var(--color-text);
  box-shadow: 0 8px 24px rgba(0,0,0,0.3);
}
.about-badge svg { color: var(--color-accent); flex-shrink: 0; }
.about-badge strong { display: block; font-size: var(--text-sm); color: var(--color-text); }
.about-badge span { font-size: var(--text-xs); color: var(--color-text-muted); }
.about-lead {
  font-size: var(--text-lg);
  font-weight: 500;
  color: var(--color-light-text);
  margin-bottom: var(--space-5);
  line-height: 1.55;
}
.about-body {
  color: #4a4845;
  margin-bottom: var(--space-6);
  line-height: 1.7;
}
.about-langs {
  display: flex; flex-wrap: wrap; gap: var(--space-3);
  margin-bottom: var(--space-6);
}
.lang-badge {
  background: var(--color-accent-dim);
  border: 1px solid rgba(212,168,67,0.25);
  color: #8a6a1a;
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.05em;
  padding: 0.3em 0.8em;
  border-radius: var(--radius-full);
}
.about-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}
.stat-box {
  background: white;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}
.stat-box strong { display: block; font-size: var(--text-sm); font-weight: 700; color: var(--color-light-text); margin-bottom: 2px; }
.stat-box span { font-size: var(--text-xs); color: #7a7560; }

/* ── PROCESS ────────────────────────────────────────────── */
.process {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.process-header { text-align: center; max-width: 600px; margin-inline: auto; margin-bottom: clamp(var(--space-12), 6vw, var(--space-20)); }
.process-sub { color: var(--color-text-muted); font-size: var(--text-base); }
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}
.step-card {
  position: relative;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  transition: border-color var(--trans), transform var(--trans);
}
.step-card::before {
  content: attr(data-step);
  position: absolute; top: var(--space-5); right: var(--space-6);
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 800;
  color: var(--color-border);
  line-height: 1;
}
.step-card:hover { border-color: var(--color-accent); transform: translateY(-4px); }
.step-icon {
  width: 56px; height: 56px;
  background: var(--color-accent-dim);
  border: 1px solid rgba(212,168,67,0.2);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-accent);
  margin-bottom: var(--space-5);
}
.step-title {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}
.step-desc { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.65; }

/* ── PROGRAMS ───────────────────────────────────────────── */
.programs {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.programs-header { text-align: center; max-width: 680px; margin-inline: auto; margin-bottom: clamp(var(--space-12), 5vw, var(--space-16)); }
.programs-display {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--color-light-text);
  line-height: 0.95;
  margin-bottom: var(--space-5);
}
.programs-sub { color: #6a6758; font-size: var(--text-base); }
.programs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-5);
  margin-bottom: var(--space-10);
}
.program-card {
  background: white;
  border: 1.5px solid rgba(0,0,0,0.06);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  transition: all var(--trans);
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
}
.program-card:hover { border-color: var(--color-accent); transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.1); }
.program-card.featured {
  background: var(--color-bg);
  color: var(--color-text);
  border-color: var(--color-accent);
  box-shadow: 0 8px 32px rgba(212,168,67,0.15);
}
.program-card.featured h3, .program-card.featured p { color: var(--color-text); }
.program-card.featured li { color: var(--color-text-muted); }
.program-icon { font-size: 2rem; margin-bottom: var(--space-4); }
.program-card h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-light-text);
  margin-bottom: var(--space-3);
}
.program-card p { font-size: var(--text-sm); color: #6a6758; margin-bottom: var(--space-4); line-height: 1.6; }
.program-card ul { list-style: none; }
.program-card li {
  font-size: var(--text-sm);
  color: #6a6758;
  padding: var(--space-1) 0;
  padding-left: var(--space-5);
  position: relative;
  max-width: none;
}
.program-card li::before {
  content: "✓";
  position: absolute; left: 0;
  color: var(--color-accent);
  font-weight: 700;
}
.program-card.featured li::before { color: var(--color-accent); }
.programs-cta { text-align: center; }

/* ── IMAGE BREAK ────────────────────────────────────────── */
.image-break {
  position: relative;
  height: 65vh;
  min-height: 400px;
  overflow: hidden;
}
.image-break img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 30%;
}
.image-break-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to right, rgba(10,10,10,0.85) 40%, rgba(10,10,10,0.4) 100%);
  display: flex; align-items: center;
}
.image-break-content {
  max-width: var(--content-default);
  margin-inline: auto;
  padding-inline: clamp(var(--space-6), 5vw, var(--space-16));
}
.image-break-content h2 {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-weight: 800;
  color: var(--color-white);
  letter-spacing: -0.03em;
  margin-bottom: var(--space-4);
  max-width: 16ch;
}
.image-break-content p {
  color: rgba(240,237,232,0.75);
  font-size: var(--text-lg);
  max-width: 40ch;
  margin-bottom: var(--space-8);
}

/* ── TESTIMONIALS ───────────────────────────────────────── */
.testimonials {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.testimonials-display {
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 800;
  color: var(--color-accent);
  letter-spacing: -0.04em;
  line-height: 0.95;
  margin-bottom: var(--space-4);
}
.testimonials-sub { color: var(--color-text-muted); margin-bottom: clamp(var(--space-10), 5vw, var(--space-16)); }
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-5);
  margin-bottom: var(--space-10);
}
.review-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6) var(--space-6);
  transition: border-color var(--trans);
}
.review-card:hover { border-color: var(--color-accent); }
.review-stars { color: #f5c842; font-size: var(--text-base); letter-spacing: 2px; margin-bottom: var(--space-4); }
.review-text { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.7; margin-bottom: var(--space-6); font-style: italic; max-width: none; }
.review-author { display: flex; align-items: center; gap: var(--space-3); }
.review-avatar {
  width: 40px; height: 40px; border-radius: var(--radius-full);
  background: var(--color-accent-dim);
  border: 1.5px solid rgba(212,168,67,0.3);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 800;
  color: var(--color-accent); font-size: var(--text-base);
  flex-shrink: 0;
}
.review-author strong { display: block; font-size: var(--text-sm); color: var(--color-text); }
.review-author span { font-size: var(--text-xs); color: var(--color-text-muted); display: block; }
.zillow-badge {
  display: flex; align-items: center; gap: var(--space-3);
  font-size: var(--text-sm); color: var(--color-text-muted);
  justify-content: center;
}
.zillow-link { color: var(--color-accent); font-weight: 600; }
.zillow-link:hover { text-decoration: underline; }

/* ── FAQ ────────────────────────────────────────────────── */
.faq {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.faq-container { max-width: var(--content-narrow); }
.faq-header { margin-bottom: clamp(var(--space-10), 5vw, var(--space-16)); }
.faq-list { display: flex; flex-direction: column; gap: var(--space-3); }
.faq-item {
  border: 1.5px solid rgba(0,0,0,0.07);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: white;
  transition: border-color var(--trans);
}
.faq-item:has(.faq-question[aria-expanded="true"]) { border-color: var(--color-accent); }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  font-size: var(--text-base);
  font-weight: 600;
  color: var(--color-light-text);
  text-align: left;
  background: none;
  cursor: pointer;
  transition: color var(--trans);
}
.faq-question:hover { color: #8a6a1a; }
.faq-chevron { flex-shrink: 0; transition: transform 300ms var(--ease); color: var(--color-accent); }
.faq-question[aria-expanded="true"] .faq-chevron { transform: rotate(180deg); }
.faq-answer {
  padding: 0 var(--space-6) var(--space-6);
  color: #6a6758;
  font-size: var(--text-base);
  line-height: 1.7;
}
.faq-answer[hidden] { display: none; }

/* ── CONTACT ────────────────────────────────────────────── */
.contact {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: clamp(var(--space-12), 6vw, var(--space-20));
  align-items: start;
}
.contact-body { color: var(--color-text-muted); margin-bottom: var(--space-8); }
.contact-info { display: flex; flex-direction: column; gap: var(--space-4); margin-bottom: var(--space-8); }
.contact-link {
  display: flex; align-items: flex-start; gap: var(--space-3);
  font-size: var(--text-base); color: var(--color-text-muted);
  transition: color var(--trans);
  max-width: none;
}
.contact-link svg { flex-shrink: 0; margin-top: 2px; color: var(--color-accent); }
.contact-link:hover { color: var(--color-text); }
.social-links { display: flex; gap: var(--space-4); }
.social-links a {
  width: 44px; height: 44px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-full);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-text-muted);
  transition: all var(--trans);
}
.social-links a:hover { border-color: var(--color-accent); color: var(--color-accent); transform: translateY(-2px); }

/* Contact Form */
.contact-form {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-10) var(--space-8);
}
.form-title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: var(--space-8);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
.form-group { display: flex; flex-direction: column; gap: var(--space-2); margin-bottom: var(--space-5); }
.form-group label { font-size: var(--text-xs); font-weight: 600; color: var(--color-text-muted); letter-spacing: 0.05em; text-transform: uppercase; }
.form-group input,
.form-group select,
.form-group textarea {
  background: var(--color-surface-2);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 0.7em var(--space-4);
  font-size: var(--text-base);
  color: var(--color-text);
  transition: border-color var(--trans);
  outline: none;
  width: 100%;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--color-text-faint); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--color-accent); }
.form-group select { appearance: none; cursor: pointer; }
.form-group textarea { resize: vertical; min-height: 90px; }
.form-disclaimer { font-size: var(--text-xs); color: var(--color-text-faint); text-align: center; margin-top: var(--space-4); max-width: none; }

/* ── FOOTER ─────────────────────────────────────────────── */
.footer {
  background: #080808;
  border-top: 1px solid var(--color-border);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: clamp(var(--space-8), 4vw, var(--space-12));
  padding-block: clamp(var(--space-12), 6vw, var(--space-20));
}
.footer-tagline { font-size: var(--text-xs); color: var(--color-text-faint); margin-top: var(--space-4); line-height: 1.6; max-width: none; }
.equal-housing { display: flex; align-items: center; gap: var(--space-2); margin-top: var(--space-5); color: var(--color-text-faint); font-size: var(--text-xs); }
.footer-col h4 { font-family: var(--font-display); font-size: var(--text-sm); font-weight: 700; color: var(--color-text); margin-bottom: var(--space-5); letter-spacing: 0.02em; }
.footer-col ul { display: flex; flex-direction: column; gap: var(--space-3); }
.footer-col li, .footer-col a { font-size: var(--text-sm); color: var(--color-text-faint); transition: color var(--trans); max-width: none; }
.footer-col a:hover { color: var(--color-accent); }
.footer-social { display: flex; gap: var(--space-3); margin-top: var(--space-6); }
.footer-social a {
  width: 36px; height: 36px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 10px; font-weight: 700;
  color: var(--color-text-faint);
  transition: all var(--trans);
  letter-spacing: 0;
}
.footer-social a:hover { border-color: var(--color-accent); color: var(--color-accent); }
.footer-legal {
  border-top: 1px solid var(--color-border);
  padding-block: var(--space-8);
}
.footer-legal p {
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  margin-bottom: var(--space-2);
  max-width: none;
  line-height: 1.6;
}
.footer-copyright { margin-top: var(--space-4); }
.footer-copyright a { color: var(--color-accent); }
.footer-copyright a:hover { text-decoration: underline; }

/* ── ANIMATIONS ─────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero-eyebrow { animation: fadeUp 0.7s var(--ease) 0.1s both; }
.hero-headline { animation: fadeUp 0.8s var(--ease) 0.25s both; }
.hero-sub { animation: fadeUp 0.8s var(--ease) 0.4s both; }
.hero-actions { animation: fadeUp 0.8s var(--ease) 0.55s both; }
.hero-trust { animation: fadeUp 0.8s var(--ease) 0.7s both; }

/* Scroll-reveal (added via JS) */
.reveal { opacity: 0; transform: translateY(32px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }

/* ── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 1024px) {
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .programs-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .about-grid { grid-template-columns: 1fr 1.2fr; gap: var(--space-10); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .header-ctas { display: none; }
  .hamburger { display: flex; }
  .header-inner { gap: var(--space-4); }

  .about-grid { grid-template-columns: 1fr; }
  .about-badge { left: var(--space-4); bottom: var(--space-4); }
  .about-stats { grid-template-columns: 1fr; }

  .process-steps { grid-template-columns: 1fr 1fr; }
  .programs-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: center; }
}

@media (max-width: 480px) {
  .process-steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: var(--space-5); }
  .trust-divider { display: none; }
  .contact-form { padding: var(--space-6) var(--space-5); }
}

/* ============================================================
   CALENDLY SECTION
============================================================ */
.calendly-section {
  background: #0a0a0a;
  padding: var(--space-16) 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.calendly-inline-widget {
  border-radius: 12px;
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
}

/* ============================================================
   BROKER LOGO IN HEADER
============================================================ */
.broker-logo-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  margin-left: auto;
  margin-right: var(--space-5);
}
.broker-label {
  font-size: 9px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  font-family: var(--font-body);
  white-space: nowrap;
}
.broker-logo-img {
  height: 28px;
  width: auto;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.75;
  transition: opacity 0.2s ease;
}
.broker-logo-img:hover { opacity: 1; }

@media (max-width: 768px) {
  .broker-logo-wrap { display: none; }
}

/* ============================================================
   DISCLOSURE SECTION (above footer legal)
============================================================ */
.disclosure-section {
  background: #111;
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: var(--space-10) 0;
}
.disclosure-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-10);
}
.disclosure-col h5.disclosure-heading {
  font-family: var(--font-display);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
.disclosure-col p {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-3);
}
.disclosure-col strong {
  color: rgba(255,255,255,0.7);
  font-weight: 600;
}
.disclosure-link {
  color: var(--color-accent);
  text-decoration: none;
  font-size: 0.82rem;
  transition: opacity 0.2s;
}
.disclosure-link:hover { opacity: 0.75; }

@media (max-width: 640px) {
  .disclosure-grid { grid-template-columns: 1fr; gap: var(--space-7); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}