/* =========================================================
   Mike Bjork — Mortgage Loans
   global.css  ·  modern, professional redesign
   ========================================================= */

/* ---------- Design Tokens ---------- */
:root {
  /* Brand palette: deep trustworthy navy + warm approachable gold */
  --navy-900: #0b1530;
  --navy-800: #0f1d40;
  --navy-700: #16285a;
  --navy-600: #1f3a7a;
  --ink:      #111a2e;
  --slate:    #4a5670;
  --mist:     #6b7691;
  --line:     #e6e9f2;
  --cloud:    #f4f6fb;
  --paper:    #ffffff;

  --gold-500: #f0b429;
  --gold-400: #f6c352;
  --gold-600: #d99b14;

  --accent:   #3b7bff;     /* fresh blue accent for links/highlights */
  --accent-soft: #e8f0ff;

  --grad-gold: linear-gradient(135deg, #f6c352 0%, #f0b429 50%, #d99b14 100%);
  --grad-navy: linear-gradient(160deg, #0f1d40 0%, #16285a 55%, #1f3a7a 100%);

  /* Type */
  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --font-serif: 'Fraunces', Georgia, 'Times New Roman', serif;

  /* Spacing / shape */
  --radius-sm: 10px;
  --radius:    16px;
  --radius-lg: 24px;
  --radius-xl: 32px;

  --shadow-sm: 0 2px 8px rgba(13, 24, 56, .06);
  --shadow:    0 12px 32px rgba(13, 24, 56, .10);
  --shadow-lg: 0 30px 70px rgba(13, 24, 56, .18);
  --ring:      0 0 0 4px rgba(59, 123, 255, .15);

  --maxw: 1180px;
  --ease: cubic-bezier(.22, .61, .36, 1);

  /* Fluid section rhythm — scales smoothly with the viewport */
  --section-y: clamp(64px, 9vw, 110px);
  --gutter: clamp(18px, 5vw, 24px);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; padding: 0; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select { font-family: inherit; }

.container {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: calc(var(--gutter) + env(safe-area-inset-left));
  padding-inline: max(var(--gutter), env(safe-area-inset-left)) max(var(--gutter), env(safe-area-inset-right));
}

/* ---------- Shared typography ---------- */
.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 14px;
}
.section-title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(1.7rem, 5vw, 3rem);
  line-height: 1.1;
  letter-spacing: -.02em;
  color: var(--ink);
  text-wrap: balance;
}
.section-lede {
  margin-top: 18px;
  font-size: clamp(1rem, 1.4vw, 1.18rem);
  color: var(--slate);
  max-width: 56ch;
}
.section-head { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.section-head .section-lede { margin-inline: auto; }
.grad-text {
  background: var(--grad-gold);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* ---------- Buttons ---------- */
.btn {
  --btn-bg: var(--navy-800);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 700;
  font-size: .95rem;
  padding: 13px 24px;
  border-radius: 999px;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease);
  white-space: nowrap;
  will-change: transform;
}
.btn--lg { padding: 16px 30px; font-size: 1rem; }
.btn--block { width: 100%; }

.btn--primary {
  background: var(--grad-gold);
  color: #2a1d00;
  box-shadow: 0 10px 24px rgba(240, 180, 41, .35);
}
.btn--primary:hover { transform: translateY(-3px); box-shadow: 0 16px 34px rgba(240, 180, 41, .45); }
.btn--primary:active { transform: translateY(-1px); }

.btn--ghost {
  background: rgba(255,255,255,.06);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,.28);
  backdrop-filter: blur(6px);
}
.btn--ghost:hover { background: rgba(255,255,255,.14); transform: translateY(-3px); }

/* =========================================================
   NAVBAR
   ========================================================= */
.nav {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  padding: 18px 0;
  transition: padding .3s var(--ease), background .3s var(--ease), box-shadow .3s var(--ease);
}
.nav.is-scrolled {
  padding: 10px 0;
  background: rgba(255,255,255,.85);
  backdrop-filter: blur(14px) saturate(1.4);
  box-shadow: 0 1px 0 var(--line), var(--shadow-sm);
}
.nav__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }

.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand__mark {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.9rem;
  letter-spacing: -.03em;
  line-height: 1;
  background: var(--grad-gold);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__text strong { font-size: 1.05rem; letter-spacing: -.01em; color: var(--ink); }
.brand__text em { font-style: normal; font-size: .72rem; color: var(--mist); letter-spacing: .04em; }

.nav.is-scrolled .brand__text strong { color: var(--ink); }

/* default (top of page over hero) = light text */
.nav:not(.is-scrolled) .brand__text strong { color: #fff; }
.nav:not(.is-scrolled) .brand__text em { color: rgba(255,255,255,.7); }
.nav:not(.is-scrolled) .nav__links a { color: rgba(255,255,255,.82); }
.nav:not(.is-scrolled) .nav__phone { color: #fff; }

.nav__links { display: flex; gap: 30px; }
.nav__links a {
  font-weight: 600;
  font-size: .94rem;
  color: var(--slate);
  position: relative;
  padding: 4px 0;
  transition: color .2s var(--ease);
}
.nav__links a::after {
  content: "";
  position: absolute; left: 0; bottom: -2px;
  width: 0; height: 2px;
  background: var(--grad-gold);
  border-radius: 2px;
  transition: width .28s var(--ease);
}
.nav__links a:hover { color: var(--gold-600); }
.nav:not(.is-scrolled) .nav__links a:hover { color: #fff; }
.nav__links a:hover::after { width: 100%; }

/* ---------- Loan Programs dropdown (mega-menu) ---------- */
.nav__item { position: relative; display: inline-flex; align-items: center; }
.nav__item--has-menu > a::before {
  /* invisible bridge so the menu doesn't close in the gap below the link */
  content: "";
  position: absolute; left: -10px; right: -10px; top: 100%; height: 22px;
}
.nav__dropdown {
  position: absolute;
  top: calc(100% + 16px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  width: min(560px, 92vw);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 14px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .22s var(--ease), transform .22s var(--ease), visibility .22s;
  z-index: 110;
}
.nav__item--has-menu:hover .nav__dropdown,
.nav__item--has-menu:focus-within .nav__dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav__dropdown a {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 12px;
  color: var(--ink) !important;
  transition: background .2s var(--ease);
}
.nav__dropdown a::after { display: none; } /* kill the underline animation inside menu */
.nav__dropdown a:hover { background: var(--cloud); color: var(--ink) !important; }
.nav__ddicon {
  flex: none;
  display: inline-grid; place-items: center;
  width: 38px; height: 38px;
  font-size: 1.15rem;
  border-radius: 10px;
  background: var(--cloud);
}
.nav__dropdown a:hover .nav__ddicon { background: var(--paper); }
.nav__ddtext { display: flex; flex-direction: column; line-height: 1.25; }
.nav__ddtext strong { font-size: .92rem; font-weight: 700; }
.nav__ddtext span { font-size: .78rem; color: var(--slate); font-weight: 500; }
@media (max-width: 980px) {
  .nav__dropdown { display: none; }
}

.nav__actions { display: flex; align-items: center; gap: 18px; }
.nav__phone {
  display: inline-flex; align-items: center; gap: 7px;
  font-weight: 700; font-size: .9rem; color: var(--ink);
  transition: color .2s var(--ease);
}
.nav__phone:hover { color: var(--gold-600); }
.nav__phone svg { color: var(--gold-500); }

.nav__toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.nav__toggle span {
  width: 24px; height: 2px; border-radius: 2px;
  background: var(--ink); transition: .3s var(--ease);
}
.nav:not(.is-scrolled) .nav__toggle span { background: #fff; }

.nav__mobile {
  display: none;
  flex-direction: column;
  gap: 6px;
  padding: 0 24px;
  max-height: 0; overflow: hidden;
  transition: max-height .35s var(--ease), padding .35s var(--ease);
}
.nav__mobile a {
  font-weight: 600; color: var(--ink);
  padding: 12px 4px; border-bottom: 1px solid var(--line);
}
.nav__mobile .btn { margin-top: 14px; }
.nav.is-open .nav__mobile { max-height: min(80vh, 520px); overflow-y: auto; padding-top: 16px; padding-bottom: 22px; }
.nav.is-open { background: rgba(255,255,255,.97); backdrop-filter: blur(14px); }
.nav.is-open .nav__toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); background: var(--ink); }
.nav.is-open .nav__toggle span:nth-child(2) { opacity: 0; }
.nav.is-open .nav__toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); background: var(--ink); }

/* =========================================================
   HERO
   ========================================================= */
.hero {
  position: relative;
  padding: clamp(120px, 16vw, 170px) 0 clamp(70px, 9vw, 110px);
  background: var(--navy-900); /* fallback while video loads / if unsupported */
  color: #fff;
  overflow: hidden;
}

/* Background video that fills the hero */
.hero__video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
  pointer-events: none;
}

/* Navy overlay on top of the video for legibility (same color, partial opacity) */
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background: rgba(11, 21, 48, .78); /* var(--navy-900) at 78% */
  pointer-events: none;
}

.hero__inner {
  position: relative; z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
}

.pill {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.16);
  font-size: .82rem; font-weight: 600;
  letter-spacing: .02em;
  margin-bottom: 26px;
}
.pill__dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold-400);
  box-shadow: 0 0 0 0 rgba(246,195,82,.6);
  animation: ping 2.2s var(--ease) infinite;
}

.hero__title {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(2rem, 7vw, 4rem);
  line-height: 1.05;
  letter-spacing: -.025em;
  text-wrap: balance;
}
.hero__lede {
  margin-top: 22px;
  font-size: clamp(1.05rem, 1.5vw, 1.22rem);
  color: rgba(255,255,255,.78);
  max-width: 52ch;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 36px; }

.hero__trust {
  display: flex; gap: 38px; margin-top: 48px;
  flex-wrap: wrap;
}
.hero__trust li { display: flex; flex-direction: column; }
.hero__trust strong {
  font-family: var(--font-serif);
  font-size: 1.7rem; font-weight: 600;
  color: var(--gold-400);
  line-height: 1;
}
.hero__trust span { font-size: .82rem; color: rgba(255,255,255,.6); margin-top: 6px; }

/* Hero quote card */
.hero__card { display: flex; justify-content: flex-end; }
.quote-card {
  width: 100%; max-width: 380px;
  background: rgba(255,255,255,.97);
  color: var(--ink);
  border-radius: var(--radius-lg);
  padding: 26px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,.6);
}
.quote-card__head {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 20px;
}
.quote-card__tag {
  font-size: .78rem; font-weight: 700; letter-spacing: .04em;
  text-transform: uppercase; color: var(--mist);
}
.quote-card__live {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .74rem; font-weight: 700; color: #1f9d55;
}
.quote-card__live span {
  width: 7px; height: 7px; border-radius: 50%; background: #2bb673;
  animation: ping 1.8s var(--ease) infinite;
}
.quote-card__rate {
  background: var(--cloud);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  margin-bottom: 18px;
}
.quote-card__label { font-size: .8rem; color: var(--mist); font-weight: 600; }
.quote-card__amount {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 2.8rem;
  line-height: 1;
  margin: 6px 0 4px;
  color: var(--navy-700);
}
.quote-card__amount small { font-size: 1rem; color: var(--mist); font-weight: 500; }
.quote-card__sub { font-size: .76rem; color: var(--mist); }

.quote-card__rows { display: flex; flex-direction: column; gap: 2px; margin-bottom: 18px; }
.qrow {
  display: flex; align-items: center; justify-content: space-between;
  padding: 11px 4px;
  font-size: .9rem;
  border-bottom: 1px solid var(--line);
}
.qrow:last-child { border-bottom: none; }
.qrow span { color: var(--slate); }
.qrow strong { color: var(--ink); }

.quote-card__fine { font-size: .68rem; color: var(--mist); text-align: center; margin-top: 12px; }

/* =========================================================
   TRUST BAR
   ========================================================= */
.trustbar { background: var(--navy-900); padding: 26px 0; }
.trustbar__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; flex-wrap: wrap;
}
.trustbar__label {
  font-size: .82rem; font-weight: 600; letter-spacing: .03em;
  color: rgba(255,255,255,.55);
}
.trustbar__items { display: flex; gap: 14px; flex-wrap: wrap; }
.trustbar__items span {
  font-weight: 700; font-size: .9rem;
  color: rgba(255,255,255,.85);
  padding: 7px 16px;
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 999px;
  transition: border-color .25s var(--ease), color .25s var(--ease);
}
.trustbar__items span:hover { border-color: var(--gold-500); color: var(--gold-400); }

/* =========================================================
   ABOUT
   ========================================================= */
.about { padding: var(--section-y) 0; background: var(--paper); }
.about__inner {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 72px; align-items: center;
}
.about__photo {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-xl);
  background: var(--grad-navy);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about__photo-fallback {
  position: absolute; inset: 0;
  display: grid; place-items: center;
}
.about__photo-fallback span {
  font-family: var(--font-serif);
  font-size: 7rem; font-weight: 600;
  color: rgba(240,180,41,.22);
  letter-spacing: -.03em;
}
.about__photo-img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  z-index: 1;
}
.about__photo::after {
  content: "";
  position: absolute; inset: 0;
  z-index: 1;
  background: radial-gradient(circle at 70% 20%, rgba(240,180,41,.25), transparent 55%);
}
.about__badge {
  position: absolute;
  left: 22px; bottom: 22px;
  background: rgba(255,255,255,.97);
  padding: 14px 20px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  z-index: 2;
}
.about__badge strong { display: block; font-size: 1.05rem; color: var(--ink); }
.about__badge span { font-size: .8rem; color: var(--mist); }

.feature-list { display: flex; flex-direction: column; gap: 22px; margin-top: 38px; }
.feature { display: flex; gap: 18px; }
.feature__icon {
  flex: 0 0 auto;
  width: 50px; height: 50px;
  display: grid; place-items: center;
  border-radius: 14px;
  background: var(--accent-soft);
  color: var(--accent);
  transition: transform .3s var(--ease);
}
.feature:hover .feature__icon { transform: translateY(-4px) rotate(-4deg); }
.feature h3 { font-size: 1.1rem; margin-bottom: 4px; }
.feature p { color: var(--slate); font-size: .96rem; }

/* =========================================================
   ABOUT PAGE (about.html)
   ========================================================= */
/* Page hero — centered, single column variant of .hero */
.page-hero { text-align: center; }
.page-hero .hero__inner {
  display: block;
  max-width: 760px;
  margin-inline: auto;
}
.page-hero .pill { margin-inline: auto; }
.page-hero .hero__lede { margin-inline: auto; }
.page-hero .hero__actions { justify-content: center; }

/* Story: portrait + narrative */
.story { padding: var(--section-y) 0; background: var(--paper); }
.story__inner {
  display: grid;
  grid-template-columns: .85fr 1.15fr;
  gap: 56px;
  align-items: center;
}
.story__media { position: relative; }
.story__photo {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4 / 5;
  background: var(--grad-navy);
}
.story__photo-fallback {
  position: absolute; inset: 0;
  display: grid; place-items: center;
}
.story__photo-fallback span {
  font-family: var(--font-serif);
  font-size: 4rem;
  color: var(--gold-400);
}
.story__photo-img {
  position: relative;
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}
.story__copy p { color: var(--slate); margin-top: 18px; line-height: 1.7; }
.story__copy p:first-of-type { margin-top: 24px; }
.story__sign {
  margin-top: 28px;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--ink);
}
.story__sign span { display: block; font-family: var(--font-sans); font-size: .85rem; color: var(--mist); margin-top: 4px; }

/* Values grid */
.values { padding: var(--section-y) 0; background: var(--cloud); }
.values__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.value {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.value:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.value__icon {
  width: 50px; height: 50px;
  display: grid; place-items: center;
  border-radius: 14px;
  background: var(--accent-soft);
  color: var(--accent);
  margin-bottom: 18px;
}
.value h3 { font-size: 1.15rem; margin-bottom: 8px; }
.value p { color: var(--slate); font-size: .96rem; line-height: 1.6; }

@media (max-width: 860px) {
  .story__inner { grid-template-columns: 1fr; gap: 40px; }
  .story__media { max-width: 420px; margin-inline: auto; }
  .values__grid { grid-template-columns: 1fr; }
}

/* =========================================================
   SERVICES PAGE (services.html)
   ========================================================= */
.services { padding: var(--section-y) 0; background: var(--paper); }
.services__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.service {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 34px 32px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.service:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service__head { display: flex; align-items: center; gap: 16px; }
.service__icon {
  flex: 0 0 auto;
  width: 56px; height: 56px;
  display: grid; place-items: center;
  font-size: 1.6rem;
  border-radius: 16px;
  background: var(--accent-soft);
}
.service__title h3 { font-size: 1.25rem; line-height: 1.2; }
.service__tag {
  display: inline-block;
  margin-top: 6px;
  font-size: .72rem; font-weight: 700;
  letter-spacing: .04em; text-transform: uppercase;
  color: var(--gold-600);
}
.service__desc { color: var(--slate); margin-top: 20px; line-height: 1.65; }
.service__benefits { margin-top: 20px; display: flex; flex-direction: column; gap: 12px; }
.service__benefits li {
  position: relative;
  padding-left: 30px;
  font-size: .95rem;
  color: var(--ink);
}
.service__benefits li::before {
  content: "";
  position: absolute; left: 0; top: 2px;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--accent-soft);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' width='12' height='12'%3E%3Cpath fill='%233b7bff' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
}
.service__who {
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  font-size: .9rem; color: var(--slate);
}
.service__who strong { color: var(--ink); }
.service__cta {
  margin-top: auto;
  padding-top: 22px;
}
.service__cta a {
  font-weight: 700; font-size: .95rem;
  color: var(--accent);
  transition: gap .2s var(--ease);
  display: inline-flex; align-items: center; gap: 6px;
}
.service:hover .service__cta a { gap: 12px; }

/* Help band: "not sure which loan?" */
.helpband { padding: 0 0 var(--section-y); background: var(--paper); }
.helpband__inner {
  background: var(--grad-navy);
  border-radius: var(--radius-xl);
  padding: clamp(36px, 6vw, 60px);
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.helpband__inner::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 30%, rgba(240,180,41,.16), transparent 60%);
}
.helpband__inner > * { position: relative; }
.helpband h2 {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(1.6rem, 3.4vw, 2.4rem);
  letter-spacing: -.02em;
  max-width: 22ch; margin-inline: auto;
}
.helpband p {
  margin-top: 16px;
  color: rgba(255,255,255,.78);
  font-size: 1.05rem;
  max-width: 56ch; margin-inline: auto;
}
.helpband .hero__actions { justify-content: center; margin-top: 32px; }

@media (max-width: 860px) {
  .services__grid { grid-template-columns: 1fr; }
}

/* =========================================================
   PROGRAMS
   ========================================================= */
.programs { padding: var(--section-y) 0; background: var(--cloud); }
.programs__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.program {
  display: block;
  text-decoration: none;
  color: inherit;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
  position: relative;
  overflow: hidden;
}
.program::before {
  content: "";
  position: absolute; inset: 0 0 auto 0; height: 4px;
  background: var(--grad-gold);
  transform: scaleX(0); transform-origin: left;
  transition: transform .4s var(--ease);
}
.program:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.program:hover::before { transform: scaleX(1); }
.program__icon {
  display: inline-grid; place-items: center;
  width: 56px; height: 56px;
  font-size: 1.7rem;
  border-radius: 16px;
  background: var(--cloud);
  margin-bottom: 18px;
  transition: transform .35s var(--ease);
}
.program:hover .program__icon { transform: scale(1.1) rotate(-6deg); }
.program h3 { font-size: 1.22rem; margin-bottom: 8px; }
.program p { color: var(--slate); font-size: .95rem; }
.program__link {
  display: inline-block;
  margin-top: 16px;
  font-weight: 700; font-size: .9rem;
  color: var(--gold-600);
  transition: transform .25s var(--ease);
}
.program:hover .program__link { transform: translateX(5px); }

/* =========================================================
   PROCESS
   ========================================================= */
.process { padding: var(--section-y) 0; background: var(--paper); }
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
  position: relative;
}
.step {
  background: var(--cloud);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  position: relative;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.step:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.step__num {
  font-family: var(--font-serif);
  font-size: 2.4rem; font-weight: 600;
  color: transparent;
  -webkit-text-stroke: 1.5px var(--gold-500);
  display: block; margin-bottom: 14px;
}
.step h3 { font-size: 1.25rem; margin-bottom: 8px; }
.step p { color: var(--slate); font-size: .97rem; }

/* =========================================================
   PROGRAM DETAIL  (sub-landing pages)
   ========================================================= */
.pdetail { padding: var(--section-y) 0; background: var(--paper); }
.pdetail__inner {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: start;
}
.pdetail__body > p { color: var(--slate); margin-top: 18px; line-height: 1.7; }
.pdetail__body > p:first-of-type { margin-top: 24px; font-size: 1.08rem; color: var(--ink); }
.pdetail__list {
  list-style: none; margin: 26px 0 0; padding: 0;
  display: grid; gap: 12px;
}
.pdetail__list li {
  position: relative; padding-left: 30px;
  color: var(--ink); font-size: 1rem; line-height: 1.55;
}
.pdetail__list li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  color: var(--gold-500); font-weight: 800;
}
/* Sticky quick-facts card */
.pcard {
  position: sticky; top: 96px;
  background: var(--cloud);
  border: 1px solid rgba(15, 29, 64, .08);
  border-radius: var(--radius-lg);
  padding: 32px 30px;
  box-shadow: var(--shadow);
}
.pcard__icon { font-size: 2.4rem; display: block; margin-bottom: 12px; }
.pcard h3 { font-size: 1.3rem; margin-bottom: 4px; }
.pcard__tag { color: var(--navy-700); font-weight: 600; font-size: .92rem; }
.pfacts { list-style: none; margin: 22px 0; padding: 0; display: grid; gap: 0; }
.pfacts li {
  display: flex; justify-content: space-between; gap: 16px;
  padding: 12px 0; border-bottom: 1px solid rgba(15, 29, 64, .08);
  font-size: .95rem;
}
.pfacts li:last-child { border-bottom: 0; }
.pfacts span { color: var(--slate); }
.pfacts strong { color: var(--ink); text-align: right; }

/* FAQ */
.faq { padding: var(--section-y) 0; background: var(--cloud); }
.faq__grid { display: grid; gap: 16px; max-width: 820px; margin: 0 auto; }
.faq__item {
  background: var(--paper);
  border: 1px solid rgba(15, 29, 64, .08);
  border-radius: var(--radius-lg);
  padding: 8px 26px;
}
.faq__item summary {
  cursor: pointer; list-style: none;
  font-family: var(--font-serif); font-size: 1.12rem; color: var(--ink);
  padding: 18px 0; position: relative; padding-right: 32px;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after {
  content: "+"; position: absolute; right: 0; top: 50%;
  transform: translateY(-50%); font-size: 1.6rem; color: var(--gold-500);
  font-weight: 400; transition: transform .3s var(--ease);
}
.faq__item[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq__item p { color: var(--slate); line-height: 1.7; padding: 0 0 20px; margin: 0; }

@media (max-width: 880px) {
  .pdetail__inner { grid-template-columns: 1fr; gap: 36px; }
  .pcard { position: static; }
}

/* =========================================================
   STATS BANNER
   ========================================================= */
.stats {
  padding: 70px 0;
  background: var(--grad-navy);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.stats::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(240,180,41,.16), transparent 60%);
}
.stats__inner {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat strong {
  font-family: var(--font-serif);
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 600;
  color: var(--gold-400);
  line-height: 1; display: block;
}
.stat span { font-size: .92rem; color: rgba(255,255,255,.72); margin-top: 10px; display: block; }

/* =========================================================
   REVIEWS
   ========================================================= */
.reviews { padding: var(--section-y) 0; background: var(--cloud); }
.reviews__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.review {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.review:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.review__stars { color: var(--gold-500); font-size: 1.05rem; letter-spacing: 2px; margin-bottom: 16px; }
.review blockquote {
  font-size: 1.04rem; color: var(--ink); line-height: 1.6;
  font-family: var(--font-serif); font-weight: 400;
}
.review figcaption { display: flex; align-items: center; gap: 12px; margin-top: 22px; }
.review__avatar {
  width: 44px; height: 44px;
  display: grid; place-items: center;
  border-radius: 50%;
  background: var(--grad-navy);
  color: var(--gold-400);
  font-weight: 700; font-size: .9rem;
}
.review__who { display: flex; flex-direction: column; line-height: 1.2; }
.review__who strong { font-size: .95rem; }
.review__who em { font-style: normal; font-size: .8rem; color: var(--mist); }

/* =========================================================
   REVIEWS PAGE — ratings, filters, masonry gallery
   ========================================================= */
.ratings { background: var(--paper); padding: clamp(40px, 6vw, 64px) 0; }
.ratings__inner {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: clamp(32px, 6vw, 64px);
  align-items: center;
}
.ratings__score { text-align: center; }
.ratings__score > strong {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(3rem, 8vw, 4.4rem);
  line-height: 1; color: var(--ink);
}
.ratings__stars { color: var(--gold-500); font-size: 1.2rem; letter-spacing: 3px; margin: 8px 0 6px; }
.ratings__score > span { font-size: .82rem; color: var(--mist); }
.ratings__stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  border-left: 1px solid var(--line);
  padding-left: clamp(24px, 5vw, 56px);
}
.ratings__stats li { display: flex; flex-direction: column; gap: 4px; }
.ratings__stats strong { font-size: clamp(1.4rem, 3vw, 1.9rem); color: var(--ink); }
.ratings__stats span { font-size: .8rem; color: var(--mist); }

/* Filter chips */
.reviews__filters {
  display: flex; flex-wrap: wrap; gap: 10px;
  justify-content: center;
  margin-bottom: clamp(32px, 5vw, 48px);
}
.rfilter {
  font: inherit; font-weight: 600; font-size: .85rem;
  color: var(--ink); cursor: pointer;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 9px 18px;
  transition: background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
}
.rfilter:hover { border-color: var(--gold-500); }
.rfilter.is-active {
  background: var(--grad-navy);
  color: var(--gold-400);
  border-color: transparent;
}

/* Masonry-style gallery using CSS columns */
.reviews--wall { background: var(--cloud); }
.reviews__masonry { columns: 3; column-gap: 24px; }
.reviews__masonry .review {
  break-inside: avoid;
  margin-bottom: 24px;
  display: inline-block; width: 100%;
}
.review--feature {
  background: var(--grad-navy);
  border-color: transparent;
}
.review--feature blockquote { color: #fff; }
.review--feature .review__who strong { color: #fff; }
.review--feature .review__who em { color: var(--gold-400); }
.review--feature .review__avatar { background: rgba(255, 255, 255, .12); }
.review.is-hidden { display: none; }
.reviews__empty { text-align: center; color: var(--mist); margin-top: 12px; }
.reviews__more { display: flex; justify-content: center; margin-top: clamp(40px, 5vw, 56px); }
.section-cta { display: flex; justify-content: center; margin-top: clamp(40px, 5vw, 56px); }

/* =========================================================
   CTA / CONTACT
   ========================================================= */
.cta {
  padding: var(--section-y) 0;
  background: var(--navy-900);
}
.cta__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.cta__copy { position: relative; color: #fff; }
.cta__copy h2 {
  font-family: var(--font-serif); font-weight: 600;
  font-size: clamp(1.7rem, 2.8vw, 2.3rem);
  line-height: 1.15; letter-spacing: -.02em;
}
.cta__copy p { margin-top: 16px; color: rgba(255,255,255,.78); font-size: 1.05rem; }
.cta__contacts { margin-top: 28px; display: flex; flex-direction: column; gap: 14px; }
.cta__contacts li { display: flex; align-items: center; gap: 12px; }
.cta__ico {
  width: 38px; height: 38px;
  display: grid; place-items: center;
  border-radius: 10px;
  background: rgba(255,255,255,.1);
  color: var(--gold-400);
  font-size: 1rem;
}
.cta__contacts a { font-weight: 600; transition: color .2s var(--ease); }
.cta__contacts a:hover { color: var(--gold-400); }

.cta__form {
  position: relative;
  background: var(--paper);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow);
}
.field { margin-bottom: 16px; }
.field label {
  display: block; font-size: .82rem; font-weight: 700;
  color: var(--slate); margin-bottom: 7px;
}
.field input, .field select {
  width: 100%;
  padding: 13px 15px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  font-size: .95rem;
  color: var(--ink);
  background: var(--cloud);
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--accent);
  background: var(--paper);
  box-shadow: var(--ring);
}
.cta__fine { font-size: .75rem; color: var(--mist); text-align: center; margin-top: 12px; }

/* Success message shown after a lead form is submitted */
.form-success { text-align: center; padding: 24px 8px; }
.form-success strong { display: block; font-size: 1.15rem; margin-bottom: 8px; }
.form-success p { color: var(--mist); margin: 0; }

.field textarea {
  width: 100%;
  padding: 13px 15px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  font-family: inherit; font-size: .95rem;
  color: var(--ink);
  background: var(--cloud);
  resize: vertical;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
}
.field textarea:focus {
  outline: none;
  border-color: var(--accent);
  background: var(--paper);
  box-shadow: var(--ring);
}
.field__opt { font-weight: 500; color: var(--mist); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field-row .field { margin-bottom: 16px; }

/* =========================================================
   CONTACT PAGE
   ========================================================= */
.contact { padding: var(--section-y) 0; background: var(--cloud); }
.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.contact__info .section-title { margin-top: 12px; }
.contact__info .section-lede { margin-top: 14px; }
.contact__methods { margin-top: 32px; display: flex; flex-direction: column; gap: 22px; }
.contact__methods li { display: flex; align-items: flex-start; gap: 16px; }
.contact__ico {
  flex: none;
  width: 44px; height: 44px;
  display: grid; place-items: center;
  border-radius: 12px;
  background: var(--grad-navy);
  color: var(--gold-400);
  font-size: 1.1rem;
}
.contact__methods strong { display: block; font-size: .82rem; color: var(--ink); margin-bottom: 3px; }
.contact__methods a, .contact__methods span { color: var(--slate); font-size: .96rem; }
.contact__methods a { font-weight: 600; transition: color .2s var(--ease); }
.contact__methods a:hover { color: var(--accent); }
.contact__note {
  margin-top: 32px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold-500);
  border-radius: var(--radius);
  padding: 20px 22px;
}
.contact__note strong { color: var(--ink); }
.contact__note p { margin-top: 6px; font-size: .92rem; color: var(--slate); line-height: 1.55; }

/* =========================================================
   FOOTER
   ========================================================= */
.footer { background: var(--navy-900); color: rgba(255,255,255,.7); padding: 64px 0 28px; }
.footer__inner {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  gap: 44px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.brand--light .brand__text strong { color: #fff; }
.brand--light .brand__text em { color: rgba(255,255,255,.6); }
.footer__brand p { margin-top: 18px; max-width: 38ch; font-size: .94rem; line-height: 1.6; }
.footer__col h4 {
  color: #fff; font-size: .95rem; margin-bottom: 18px;
  letter-spacing: .02em;
}
.footer__col a {
  display: block; padding: 6px 0;
  font-size: .92rem; color: rgba(255,255,255,.7);
  transition: color .2s var(--ease), transform .2s var(--ease);
}
.footer__col a:hover { color: var(--gold-400); transform: translateX(4px); }
.footer__bottom {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
  padding-top: 24px;
  font-size: .82rem; color: rgba(255,255,255,.5);
}

/* =========================================================
   ANIMATIONS
   ========================================================= */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.reveal.is-visible { opacity: 1; transform: none; }

.float { animation: float 6s ease-in-out infinite; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}
@keyframes drift {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(30px, -30px) scale(1.08); }
}
@keyframes ping {
  0% { box-shadow: 0 0 0 0 rgba(246,195,82,.55); }
  70% { box-shadow: 0 0 0 10px rgba(246,195,82,0); }
  100% { box-shadow: 0 0 0 0 rgba(246,195,82,0); }
}

/* =========================================================
   RESPONSIVE
   Mobile-first tiers, tablet-aware, touch-friendly.
   ========================================================= */

/* ---- Large desktops: let the layout breathe ---- */
@media (min-width: 1440px) {
  :root { --maxw: 1280px; }
}

/* ---- Small laptops / large tablets (landscape) ---- */
@media (max-width: 1080px) {
  .hero__inner { gap: 44px; }
  .about__inner { gap: 48px; }
  .nav__links { gap: 22px; }
  .nav__actions { gap: 14px; }
}

/* ---- Tablets (portrait) & below: stack the two-column layouts ---- */
@media (max-width: 980px) {
  .hero__inner { grid-template-columns: 1fr; gap: clamp(36px, 6vw, 48px); }
  .hero__card { justify-content: center; }
  .quote-card { max-width: 440px; margin-inline: auto; }
  .hero__copy { max-width: 640px; }

  .about__inner { grid-template-columns: 1fr; gap: 40px; }
  .about__photo { max-width: 460px; margin-inline: auto; }

  .programs__grid, .reviews__grid, .steps { grid-template-columns: repeat(2, 1fr); }
  .reviews__masonry { columns: 2; }
  .ratings__inner { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .ratings__stats { border-left: 0; border-top: 1px solid var(--line); padding-left: 0; padding-top: 32px; }
  .stats__inner { grid-template-columns: repeat(2, 1fr); gap: 36px; }

  .cta__inner { grid-template-columns: 1fr; gap: 40px; }
  .contact__inner { grid-template-columns: 1fr; gap: 40px; }
  .footer__inner { grid-template-columns: 1fr 1fr; gap: 32px; }
}

/* ---- Below the nav breakpoint: switch to the mobile menu ---- */
@media (max-width: 820px) {
  .nav__links, .nav__actions { display: none; }
  .nav__toggle { display: flex; }
  .nav__mobile { display: flex; }
}

/* ---- Phones: single column everywhere ---- */
@media (max-width: 680px) {
  /* 16px inputs prevent iOS Safari from zooming in on focus */
  .field input, .field select { font-size: 16px; }

  .hero__trust { gap: clamp(20px, 7vw, 32px); }
  .hero__actions .btn { flex: 1 1 auto; }      /* full-width-ish CTAs that wrap cleanly */

  .programs__grid, .reviews__grid, .steps { grid-template-columns: 1fr; }
  .reviews__masonry { columns: 1; }
  .ratings__stats { grid-template-columns: 1fr 1fr; gap: 20px; }
  .section-head { margin-bottom: clamp(32px, 8vw, 48px); }

  .trustbar__inner { flex-direction: column; align-items: flex-start; gap: 14px; }

  .field-row { grid-template-columns: 1fr; gap: 0; }

  .footer__inner { grid-template-columns: 1fr; gap: 28px; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
}

/* ---- Small phones ---- */
@media (max-width: 480px) {
  .stats__inner { grid-template-columns: 1fr 1fr; gap: 28px 16px; }

  .quote-card { padding: 22px; }
  .quote-card__amount { font-size: 2.4rem; }

  .cta__form { padding: 22px; }

  .about__badge { left: 14px; bottom: 14px; padding: 12px 16px; }

  /* Stack the hero CTAs full width for easy thumbs */
  .hero__actions { flex-direction: column; align-items: stretch; }
  .hero__actions .btn { width: 100%; }
}

/* ---- Very small phones (iPhone SE / older) ---- */
@media (max-width: 360px) {
  .brand__mark { font-size: 1.7rem; }
  .stats__inner { grid-template-columns: 1fr; }
  .hero__trust { gap: 18px; }
}

/* ---- Short landscape phones: trim vertical padding so content fits ---- */
@media (max-height: 520px) and (orientation: landscape) {
  .hero { padding: 110px 0 60px; }
  :root { --section-y: 56px; }
}

/* Larger, comfier tap targets on touch devices */
@media (hover: none) and (pointer: coarse) {
  .btn { padding: 15px 26px; }
  .nav__mobile a { padding: 14px 4px; }
  .footer__col a,
  .nav__links a { padding-block: 8px; }
  /* Disable hover-lift transforms that can feel sticky on touch */
  .program:hover, .review:hover, .step:hover,
  .btn--primary:hover, .btn--ghost:hover { transform: none; }
}

/* Respect reduced-motion preferences */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
}