/* ========================================
   FINANCED BY ASIM — Dark Luxury Theme
   ======================================== */

/* --- CSS Variables --- */
:root {
  --bg-dark: #080C14;
  --bg-navy: #0A1628;
  --bg-surface: #0F1A2E;
  --blue: #3B82F6;
  --blue-vivid: #6366F1;
  --gold: #D4AF37;
  --gold-light: #E8C95A;
  --text-primary: #FFFFFF;
  --text-secondary: #94A3B8;
  --text-muted: #64748B;
  --glass-bg: rgba(255, 255, 255, 0.06);
  --glass-border: rgba(255, 255, 255, 0.1);
  --glass-blur: 20px;
  --radius: 16px;
  --radius-sm: 10px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font-heading: 'DM Serif Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, sans-serif;
}

/* --- Reset & Base --- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
}

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text-primary);
  background: var(--bg-dark);
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

img { max-width: 100%; display: block; }

/* --- Utility --- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(36px, 5vw, 52px);
  text-align: center;
  margin-bottom: 12px;
}

.section-title--left { text-align: left; }

.section-subtitle {
  text-align: center;
  color: var(--text-secondary);
  font-size: 18px;
  margin-bottom: 56px;
}

/* --- Glass Card --- */
.glass-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.btn--gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: #0A1628;
}

.btn--gold::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--gold-light), #f0d060);
  opacity: 0;
  transition: opacity var(--transition);
}

.btn--gold:hover::before { opacity: 1; }
.btn--gold:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(212, 175, 55, 0.3); }
.btn--gold span, .btn--gold svg { position: relative; z-index: 1; }

.btn--outline {
  border: 1.5px solid var(--glass-border);
  color: var(--text-primary);
  background: transparent;
}

.btn--outline:hover {
  border-color: var(--blue);
  color: var(--blue);
  background: rgba(59, 130, 246, 0.08);
}

.btn--small { padding: 10px 20px; font-size: 13px; }
.btn--large { padding: 18px 44px; font-size: 17px; }
.btn--full { width: 100%; justify-content: center; }

/* --- Scroll Reveal --- */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1) calc(var(--delay, 0s)),
              transform 0.7s cubic-bezier(0.4, 0, 0.2, 1) calc(var(--delay, 0s));
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ========================================
   NAVIGATION
   ======================================== */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 20px 0;
  transition: all var(--transition);
}

.nav.scrolled {
  background: rgba(8, 12, 20, 0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  padding: 12px 0;
  border-bottom: 1px solid var(--glass-border);
}

.nav__container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav__logo {
  font-family: var(--font-heading);
  font-size: 24px;
  color: var(--text-primary);
}

.nav__logo span { color: var(--gold); }

.nav__links {
  display: flex;
  list-style: none;
  gap: 36px;
}

.nav__links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--transition);
  position: relative;
}

.nav__links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 50%;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: all var(--transition);
  transform: translateX(-50%);
}

.nav__links a:hover { color: var(--text-primary); }
.nav__links a:hover::after { width: 100%; }

.nav__cta {
  padding: 10px 24px;
  border-radius: 50px;
  font-size: 14px;
  font-weight: 600;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: #0A1628;
  transition: all var(--transition);
}

.nav__cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(212, 175, 55, 0.3);
}

.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.nav__hamburger span {
  width: 24px;
  height: 2px;
  background: var(--text-primary);
  transition: all var(--transition);
  border-radius: 2px;
}

.nav__hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav__hamburger.active span:nth-child(2) { opacity: 0; }
.nav__hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ========================================
   HERO
   ======================================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  overflow: hidden;
}

.hero__gradient {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 20% 40%, rgba(99, 102, 241, 0.15), transparent),
    radial-gradient(ellipse 60% 60% at 80% 20%, rgba(59, 130, 246, 0.12), transparent),
    radial-gradient(ellipse 50% 50% at 50% 80%, rgba(212, 175, 55, 0.06), transparent),
    var(--bg-dark);
  animation: gradientShift 12s ease-in-out infinite alternate;
}

@keyframes gradientShift {
  0% {
    background:
      radial-gradient(ellipse 80% 50% at 20% 40%, rgba(99, 102, 241, 0.15), transparent),
      radial-gradient(ellipse 60% 60% at 80% 20%, rgba(59, 130, 246, 0.12), transparent),
      radial-gradient(ellipse 50% 50% at 50% 80%, rgba(212, 175, 55, 0.06), transparent),
      var(--bg-dark);
  }
  33% {
    background:
      radial-gradient(ellipse 70% 60% at 60% 30%, rgba(99, 102, 241, 0.18), transparent),
      radial-gradient(ellipse 50% 50% at 30% 60%, rgba(59, 130, 246, 0.14), transparent),
      radial-gradient(ellipse 60% 40% at 70% 70%, rgba(212, 175, 55, 0.08), transparent),
      var(--bg-dark);
  }
  66% {
    background:
      radial-gradient(ellipse 60% 70% at 40% 50%, rgba(99, 102, 241, 0.12), transparent),
      radial-gradient(ellipse 70% 40% at 70% 40%, rgba(59, 130, 246, 0.16), transparent),
      radial-gradient(ellipse 40% 60% at 30% 30%, rgba(212, 175, 55, 0.1), transparent),
      var(--bg-dark);
  }
  100% {
    background:
      radial-gradient(ellipse 80% 50% at 70% 60%, rgba(99, 102, 241, 0.16), transparent),
      radial-gradient(ellipse 60% 60% at 20% 30%, rgba(59, 130, 246, 0.1), transparent),
      radial-gradient(ellipse 50% 50% at 60% 20%, rgba(212, 175, 55, 0.07), transparent),
      var(--bg-dark);
  }
}

/* Floating particles */
.hero__particles {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}

.particle {
  position: absolute;
  border-radius: 50%;
  opacity: 0.08;
  animation: particleFloat linear infinite;
}

.particle:nth-child(1) { width: 300px; height: 300px; background: var(--blue); top: 10%; left: -5%; animation-duration: 20s; }
.particle:nth-child(2) { width: 200px; height: 200px; background: var(--blue-vivid); top: 60%; right: -3%; animation-duration: 25s; animation-delay: -5s; }
.particle:nth-child(3) { width: 150px; height: 150px; background: var(--gold); bottom: 10%; left: 30%; animation-duration: 18s; animation-delay: -8s; }
.particle:nth-child(4) { width: 100px; height: 100px; background: var(--blue); top: 30%; right: 20%; animation-duration: 22s; animation-delay: -3s; }
.particle:nth-child(5) { width: 180px; height: 180px; background: var(--blue-vivid); bottom: 20%; right: 30%; animation-duration: 28s; animation-delay: -12s; }

@keyframes particleFloat {
  0%, 100% { transform: translate(0, 0) scale(1); }
  25% { transform: translate(30px, -40px) scale(1.05); }
  50% { transform: translate(-20px, 20px) scale(0.95); }
  75% { transform: translate(15px, 30px) scale(1.02); }
}

.hero__container {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: center;
}

.hero__content {
  max-width: 600px;
}

.hero__right {
  display: flex;
  align-items: flex-end;
}

.hero__eyebrow {
  font-size: 14px;
  font-weight: 500;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.hero__title {
  font-family: var(--font-heading);
  font-size: clamp(48px, 7vw, 80px);
  line-height: 1.1;
  margin-bottom: 20px;
}

.hero__subtitle {
  font-size: 19px;
  color: var(--text-secondary);
  max-width: 480px;
  margin-bottom: 32px;
  line-height: 1.7;
}

.hero__ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: 20px;
  font-size: 14px;
  color: var(--text-secondary);
}

.hero__trust .stars { color: var(--gold); letter-spacing: 2px; margin-right: 4px; }

.hero__trust-divider {
  width: 1px;
  height: 20px;
  background: var(--glass-border);
}

.hero__portrait {
  position: absolute;
  right: -5%;
  bottom: 0;
  height: 85%;
  pointer-events: none;
  z-index: 1;
}

.hero__portrait-glow {
  position: absolute;
  bottom: 5%;
  left: 50%;
  transform: translateX(-50%);
  width: 130%;
  height: 90%;
  background: radial-gradient(ellipse, rgba(212, 175, 55, 0.22) 0%, rgba(59, 130, 246, 0.12) 35%, transparent 65%);
  border-radius: 50%;
  z-index: 0;
}

.hero__portrait img {
  position: relative;
  z-index: 1;
  display: block;
  height: 100%;
  width: auto;
  object-fit: contain;
  margin-left: auto;
  -webkit-mask-image: linear-gradient(to bottom, transparent 0%, black 8%, black 60%, transparent 95%), linear-gradient(to right, transparent 0%, black 35%, black 100%);
  -webkit-mask-composite: source-in;
  mask-image: linear-gradient(to bottom, transparent 0%, black 8%, black 60%, transparent 95%), linear-gradient(to right, transparent 0%, black 35%, black 100%);
  mask-composite: intersect;
}

/* Hero mini calculator */
.hero__calculator .glass-card {
  padding: 32px;
}

.hero__calculator h3 {
  font-family: var(--font-heading);
  font-size: 22px;
  margin-bottom: 24px;
}

.mini-calc label {
  font-size: 13px;
  color: var(--text-secondary);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.mini-calc input[type="range"] {
  width: 100%;
  margin: 12px 0;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--bg-surface);
  border-radius: 3px;
  outline: none;
}

.mini-calc input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(212, 175, 55, 0.4);
}

.mini-calc__value {
  font-size: 28px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 20px;
}

.mini-calc__result {
  background: rgba(59, 130, 246, 0.1);
  border: 1px solid rgba(59, 130, 246, 0.2);
  border-radius: var(--radius-sm);
  padding: 16px;
  margin-bottom: 16px;
  text-align: center;
}

.mini-calc__label {
  display: block;
  font-size: 12px;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 4px;
}

.mini-calc__amount {
  font-size: 32px;
  font-weight: 700;
  color: var(--blue);
}

/* ========================================
   SERVICES
   ======================================== */
.services {
  padding: 120px 0;
  background: var(--bg-dark);
}

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.services__card {
  padding: 40px 32px;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  transform-style: preserve-3d;
  perspective: 1000px;
}

.services__card:hover {
  transform: translateY(-8px);
  border-color: rgba(212, 175, 55, 0.2);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

.services__icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(59, 130, 246, 0.15), rgba(99, 102, 241, 0.15));
  margin-bottom: 24px;
}

.services__icon svg {
  width: 26px;
  height: 26px;
  color: var(--blue);
}

.services__card h3 {
  font-family: var(--font-heading);
  font-size: 24px;
  margin-bottom: 12px;
}

.services__card p {
  color: var(--text-secondary);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 20px;
}

.services__link {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  transition: all var(--transition);
}

.services__link:hover { color: var(--gold-light); letter-spacing: 0.5px; }

/* ========================================
   STATS
   ======================================== */
.stats {
  padding: 80px 0;
  background: linear-gradient(180deg, var(--bg-navy), var(--bg-dark));
  border-top: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
}

.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}

.stats__number {
  display: block;
  font-family: var(--font-heading);
  font-size: clamp(40px, 5vw, 56px);
  color: var(--gold);
  margin-bottom: 4px;
}

.stats__label {
  font-size: 14px;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 2px;
  font-weight: 500;
}

/* ========================================
   MORTGAGE PRODUCTS
   ======================================== */
.products {
  padding: 100px 0;
  background: var(--bg-navy);
}

.products__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
  margin-top: 48px;
}

.products__card {
  padding: 36px;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), border-color var(--transition);
}

.products__card:hover {
  transform: translateY(-6px);
  border-color: rgba(212, 175, 55, 0.3);
}

.products__badge {
  display: inline-block;
  width: fit-content;
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 20px;
}

.products__badge--a {
  background: rgba(59, 130, 246, 0.15);
  color: var(--blue);
  border: 1px solid rgba(59, 130, 246, 0.3);
}

.products__badge--b {
  background: rgba(212, 175, 55, 0.15);
  color: var(--gold-light);
  border: 1px solid rgba(212, 175, 55, 0.3);
}

.products__card h3 {
  font-family: var(--font-heading);
  font-size: 24px;
  margin-bottom: 12px;
}

.products__card > p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 20px;
}

.products__list {
  list-style: none;
  margin-bottom: 28px;
  flex: 1;
}

.products__list li {
  position: relative;
  padding-left: 24px;
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.5;
  margin-bottom: 10px;
}

.products__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 6px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

/* ========================================
   PROCESS (How It Works)
   ======================================== */
.process {
  padding: 120px 0;
  background: var(--bg-dark);
}

.process__timeline {
  position: relative;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 20px;
}

.process__line {
  position: absolute;
  top: 36px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(90deg, var(--blue), var(--blue-vivid), var(--gold));
  opacity: 0.3;
}

.process__step {
  text-align: center;
  position: relative;
}

.process__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--blue-vivid));
  font-family: var(--font-heading);
  font-size: 24px;
  color: white;
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
}

.process__card {
  padding: 32px 24px;
}

.process__icon {
  width: 44px;
  height: 44px;
  margin: 0 auto 16px;
  color: var(--blue);
}

.process__icon svg { width: 100%; height: 100%; }

.process__card h3 {
  font-family: var(--font-heading);
  font-size: 22px;
  margin-bottom: 10px;
}

.process__card p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* ========================================
   WHY CHOOSE ME
   ======================================== */
.why {
  padding: 120px 0;
  background: var(--bg-navy);
}

.why__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.why__intro {
  font-size: 18px;
  color: var(--text-secondary);
  margin-bottom: 40px;
  line-height: 1.7;
}

.why__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.why__list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.why__check {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  background: rgba(212, 175, 55, 0.15);
  color: var(--gold);
  margin-top: 2px;
}

.why__check svg { width: 18px; height: 18px; }

.why__list strong {
  display: block;
  font-size: 16px;
  margin-bottom: 2px;
}

.why__list p {
  font-size: 14px;
  color: var(--text-secondary);
  margin: 0;
}

/* Floating cards */
.why__visual {
  position: relative;
  height: 400px;
}

.why__card {
  position: absolute;
  padding: 20px 28px;
  display: flex;
  align-items: center;
  gap: 16px;
  animation: floatCard 6s ease-in-out infinite;
}

.why__card--1 { top: 10%; left: 10%; animation-delay: 0s; }
.why__card--2 { top: 40%; right: 5%; animation-delay: -2s; }
.why__card--3 { bottom: 10%; left: 20%; animation-delay: -4s; }

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.why__card-icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.2), rgba(212, 175, 55, 0.05));
  font-size: 20px;
  color: var(--gold);
}

.why__card-text strong {
  display: block;
  font-size: 15px;
}

.why__card-text span {
  font-size: 13px;
  color: var(--text-secondary);
}

/* ========================================
   MARKET NEWS
   ======================================== */
.news {
  padding: 100px 0;
  background: var(--bg-dark);
}

.news__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.news__loading {
  grid-column: 1 / -1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  padding: 60px 0;
  color: var(--text-secondary);
  font-size: 14px;
}

.news__spinner {
  width: 32px;
  height: 32px;
  border: 3px solid var(--glass-border);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.news__card {
  display: flex;
  flex-direction: column;
  padding: 28px;
  transition: transform var(--transition), border-color var(--transition);
}

.news__card:hover {
  transform: translateY(-4px);
  border-color: rgba(212, 175, 55, 0.3);
}

.news__source {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gold);
  margin-bottom: 12px;
}

.news__source-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.news__card h3 {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 600;
  line-height: 1.4;
  color: var(--text-primary);
  margin-bottom: 10px;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.news__card p {
  font-size: 14px;
  line-height: 1.5;
  color: var(--text-secondary);
  margin-bottom: 16px;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
  flex: 1;
}

.news__meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--glass-border);
}

.news__date {
  font-size: 12px;
  color: var(--text-muted);
}

.news__link {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  transition: color var(--transition);
}

.news__link:hover {
  color: var(--gold-light);
}

.news__error {
  grid-column: 1 / -1;
  text-align: center;
  padding: 40px 0;
  color: var(--text-secondary);
  font-size: 14px;
}

/* ========================================
   MORTGAGE CALCULATOR
   ======================================== */
.calculator {
  padding: 120px 0;
  background: var(--bg-dark);
  overflow: hidden;
}

.calculator__card {
  padding: 48px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.calc-field {
  margin-bottom: 28px;
}

.calc-field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 10px;
}

.calc-field__input-row {
  display: flex;
  align-items: center;
  gap: 4px;
  background: var(--bg-surface);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  transition: border-color var(--transition);
}

.calc-field__input-row:focus-within {
  border-color: var(--blue);
}

.calc-field__prefix,
.calc-field__suffix {
  font-size: 15px;
  color: var(--text-muted);
  font-weight: 500;
}

.calc-field__input-row input {
  flex: 1;
  background: none;
  border: none;
  color: var(--text-primary);
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 600;
  outline: none;
  width: 100%;
}

.calc-field input[type="range"] {
  width: 100%;
  margin-top: 12px;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--bg-surface);
  border-radius: 3px;
  outline: none;
}

.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(212, 175, 55, 0.4);
}

/* Calculator results */
.calculator__results {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.calc-result--main {
  text-align: center;
  margin-bottom: 28px;
}

.calc-result__label {
  display: block;
  font-size: 13px;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 8px;
}

.calc-result__value {
  font-family: var(--font-heading);
  font-size: 52px;
  color: var(--blue);
}

.calc-result__value--small {
  font-size: 28px;
}

.calc-result__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
  text-align: center;
}

/* Chart bar */
.calc-chart {
  margin-bottom: 24px;
}

.calc-chart__bar {
  display: flex;
  height: 12px;
  border-radius: 6px;
  overflow: hidden;
  margin-bottom: 10px;
}

.calc-chart__principal {
  background: var(--blue);
  transition: width 0.5s ease;
}

.calc-chart__interest {
  background: var(--gold);
  transition: width 0.5s ease;
}

.calc-chart__legend {
  display: flex;
  gap: 20px;
  justify-content: center;
  font-size: 13px;
  color: var(--text-secondary);
}

.calc-chart__legend-item::before {
  content: '';
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 3px;
  margin-right: 6px;
  vertical-align: middle;
}

.calc-chart__legend-item--principal::before { background: var(--blue); }
.calc-chart__legend-item--interest::before { background: var(--gold); }

/* --- Calculator Tabs --- */
.calc-tabs {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.calc-tabs__btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  border: 1.5px solid var(--glass-border);
  background: transparent;
  color: var(--text-secondary);
  transition: all var(--transition);
}

.calc-tabs__btn svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.calc-tabs__btn:hover {
  border-color: var(--gold);
  color: var(--text-primary);
  background: rgba(212, 175, 55, 0.06);
}

.calc-tabs__btn.active {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: #0A1628;
  border-color: transparent;
  box-shadow: 0 4px 20px rgba(212, 175, 55, 0.25);
}

.calc-tabs__btn.active svg { color: #0A1628; }

/* --- Calculator Panels --- */
.calc-panel {
  display: none;
  animation: calcFadeIn 0.35s ease;
}

.calc-panel.active {
  display: block;
}

@keyframes calcFadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

/* --- Select styling inside calc fields --- */
.calc-field__input-row select {
  flex: 1;
  background: none;
  border: none;
  color: var(--text-primary);
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 600;
  outline: none;
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
}

.calc-field__input-row select option {
  background: var(--bg-surface);
  color: var(--text-primary);
}

/* --- Down Payment Toggle Button --- */
.calc-field__toggle {
  padding: 4px 12px;
  border-radius: 6px;
  border: 1px solid var(--glass-border);
  background: rgba(255, 255, 255, 0.06);
  color: var(--text-secondary);
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  flex-shrink: 0;
}

.calc-field__toggle:hover {
  border-color: var(--gold);
  color: var(--gold);
}

/* --- Checkbox Field --- */
.calc-field--checkbox {
  margin-bottom: 16px;
  padding-left: 4px;
}

.calc-field--checkbox .calc-checkbox {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: var(--text-secondary);
  cursor: pointer;
  user-select: none;
  text-transform: none;
  font-weight: 400;
}

.calc-checkbox input[type="checkbox"] {
  display: none;
}

.calc-checkbox__mark {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  border-radius: 6px;
  border: 2px solid var(--glass-border);
  background: var(--bg-surface);
  transition: all var(--transition);
  position: relative;
}

.calc-checkbox input:checked + .calc-checkbox__mark {
  background: var(--gold);
  border-color: var(--gold);
}

.calc-checkbox input:checked + .calc-checkbox__mark::after {
  content: '';
  position: absolute;
  top: 3px;
  left: 6px;
  width: 6px;
  height: 10px;
  border: solid #0A1628;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

/* --- Result Breakdown Rows --- */
.calc-result__breakdown {
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  margin-bottom: 24px;
}

.calc-result__breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 20px;
  font-size: 14px;
  border-bottom: 1px solid var(--glass-border);
}

.calc-result__breakdown-row:last-child {
  border-bottom: none;
}

.calc-result__breakdown-row span:first-child {
  color: var(--text-secondary);
}

.calc-result__breakdown-row span:last-child {
  font-weight: 700;
  color: var(--text-primary);
}

/* --- CMHC Note --- */
.calc-result__note {
  padding: 14px 20px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 24px;
}

.calc-result__note--info {
  background: rgba(59, 130, 246, 0.1);
  border: 1px solid rgba(59, 130, 246, 0.2);
  color: var(--blue);
}

.calc-result__note--success {
  background: rgba(34, 197, 94, 0.1);
  border: 1px solid rgba(34, 197, 94, 0.2);
  color: #22c55e;
}

.calc-result__note--warn {
  background: rgba(234, 179, 8, 0.1);
  border: 1px solid rgba(234, 179, 8, 0.2);
  color: var(--gold);
}

/* --- Closing Costs Summary Card --- */
.calc-closing {
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  overflow: hidden;
  margin-bottom: 24px;
  background: rgba(255, 255, 255, 0.03);
}

.calc-closing__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  background: rgba(212, 175, 55, 0.06);
  border-bottom: 1px solid var(--glass-border);
}

.calc-closing__title {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.calc-closing__total {
  font-family: var(--font-heading);
  font-size: 22px;
  color: var(--gold);
}

.calc-closing__body {
  padding: 0;
}

.calc-closing__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 20px;
  font-size: 14px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.calc-closing__row:last-child {
  border-bottom: none;
}

.calc-closing__row span:first-child {
  color: var(--text-secondary);
}

.calc-closing__row span:last-child {
  font-weight: 600;
  color: var(--text-primary);
}

.calc-closing__row--detail {
  padding: 0 20px 8px;
  border-bottom: none;
}

.calc-closing__row--total {
  background: rgba(255, 255, 255, 0.04);
  padding: 14px 20px;
}

.calc-closing__row--total span:last-child {
  font-family: var(--font-heading);
  font-size: 18px;
  color: var(--blue);
}

.calc-closing__detail {
  font-size: 12px;
  color: var(--text-muted);
  font-style: italic;
}

.calc-closing__rebate {
  color: #22c55e !important;
}

.calc-closing__divider {
  height: 1px;
  background: var(--glass-border);
  margin: 0 20px;
}

/* ========================================
   TESTIMONIALS
   ======================================== */
/* --- Resources / Blog Section --- */
.resources {
  padding: 120px 0;
  background: var(--bg-navy);
}

.resources__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.resources__card {
  display: flex;
  flex-direction: column;
  padding: 32px;
  text-decoration: none;
  color: inherit;
  transition: transform var(--transition), border-color var(--transition);
}

.resources__card:hover {
  transform: translateY(-4px);
  border-color: var(--gold);
}

.resources__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--blue), var(--blue-vivid));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.resources__icon svg {
  width: 22px;
  height: 22px;
  color: white;
}

.resources__card h3 {
  font-family: var(--font-heading);
  font-size: 20px;
  color: var(--text-primary);
  margin-bottom: 12px;
}

.resources__card p {
  font-size: 14px;
  line-height: 1.7;
  color: var(--text-secondary);
  flex: 1;
}

.resources__link {
  display: inline-block;
  margin-top: 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  transition: color var(--transition);
}

.resources__card:hover .resources__link {
  color: var(--gold-light);
}

/* --- Blog Post Page --- */
.blog-post {
  padding: 120px 0 80px;
  background: var(--bg-dark);
  min-height: 100vh;
}

.blog-post .container {
  max-width: 760px;
}

.blog-post__back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 14px;
  margin-bottom: 40px;
  transition: color var(--transition);
}

.blog-post__back:hover {
  color: var(--gold);
}

.blog-post__header {
  margin-bottom: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--glass-border);
}

.blog-post__tag {
  display: inline-block;
  padding: 6px 14px;
  background: linear-gradient(135deg, rgba(59, 130, 246, 0.15), rgba(99, 102, 241, 0.15));
  border: 1px solid rgba(59, 130, 246, 0.3);
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.blog-post__title {
  font-family: var(--font-heading);
  font-size: clamp(32px, 5vw, 48px);
  color: var(--text-primary);
  line-height: 1.2;
  margin-bottom: 16px;
}

.blog-post__meta {
  font-size: 14px;
  color: var(--text-muted);
}

.blog-post__content h2 {
  font-family: var(--font-heading);
  font-size: 26px;
  color: var(--text-primary);
  margin: 48px 0 16px;
  padding-top: 16px;
}

.blog-post__content h3 {
  font-family: var(--font-heading);
  font-size: 20px;
  color: var(--text-primary);
  margin: 32px 0 12px;
}

.blog-post__content p {
  font-size: 16px;
  line-height: 1.8;
  color: var(--text-secondary);
  margin-bottom: 20px;
}

.blog-post__content ul,
.blog-post__content ol {
  margin: 0 0 24px 24px;
  color: var(--text-secondary);
}

.blog-post__content li {
  font-size: 16px;
  line-height: 1.8;
  margin-bottom: 8px;
}

.blog-post__content strong {
  color: var(--text-primary);
}

/* Callout / Highlight Box */
.blog-post__callout {
  padding: 24px 28px;
  background: var(--glass-bg);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin: 28px 0;
}

.blog-post__callout p {
  margin-bottom: 0;
  font-size: 15px;
  color: var(--text-secondary);
}

.blog-post__callout strong {
  color: var(--gold);
}

/* Key Stat / Number Highlight */
.blog-post__stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 16px;
  margin: 32px 0;
}

.blog-post__stat {
  padding: 24px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  text-align: center;
}

.blog-post__stat-number {
  display: block;
  font-family: var(--font-heading);
  font-size: 28px;
  color: var(--gold);
  margin-bottom: 6px;
}

.blog-post__stat-label {
  font-size: 13px;
  color: var(--text-muted);
}

/* Table of Contents */
.blog-post__toc {
  padding: 28px 32px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  margin-bottom: 40px;
}

.blog-post__toc h4 {
  font-family: var(--font-heading);
  font-size: 16px;
  color: var(--text-primary);
  margin-bottom: 16px;
}

.blog-post__toc ol {
  margin: 0 0 0 20px;
  color: var(--text-secondary);
}

.blog-post__toc li {
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 8px;
}

.blog-post__toc a {
  color: var(--text-secondary);
  text-decoration: none;
  transition: color var(--transition);
}

.blog-post__toc a:hover {
  color: var(--gold);
}

/* Comparison Table */
.blog-post__comparison {
  width: 100%;
  border-collapse: collapse;
  margin: 28px 0;
  font-size: 14px;
}

.blog-post__comparison th {
  padding: 14px 16px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  color: var(--text-primary);
  font-weight: 600;
  text-align: left;
}

.blog-post__comparison td {
  padding: 12px 16px;
  border: 1px solid var(--glass-border);
  color: var(--text-secondary);
  line-height: 1.6;
}

.blog-post__comparison tr:hover td {
  background: rgba(255, 255, 255, 0.02);
}

/* CTA Section */
.blog-post__cta {
  margin-top: 64px;
  padding: 48px;
  background: linear-gradient(135deg, rgba(59, 130, 246, 0.08), rgba(99, 102, 241, 0.08));
  border: 1px solid rgba(59, 130, 246, 0.2);
  border-radius: var(--radius);
  text-align: center;
}

.blog-post__cta h3 {
  font-family: var(--font-heading);
  font-size: 24px;
  color: var(--text-primary);
  margin-bottom: 12px;
}

.blog-post__cta p {
  font-size: 15px;
  color: var(--text-secondary);
  margin-bottom: 24px;
}

/* Related Posts */
.blog-post__related {
  margin-top: 64px;
  padding-top: 48px;
  border-top: 1px solid var(--glass-border);
}

.blog-post__related h3 {
  font-family: var(--font-heading);
  font-size: 22px;
  color: var(--text-primary);
  margin-bottom: 24px;
}

.blog-post__related-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.blog-post__related-card {
  display: block;
  padding: 24px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: transform var(--transition), border-color var(--transition);
}

.blog-post__related-card:hover {
  transform: translateY(-2px);
  border-color: var(--gold);
}

.blog-post__related-card h4 {
  font-family: var(--font-heading);
  font-size: 16px;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.blog-post__related-card p {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
  margin: 0;
}

@media (max-width: 768px) {
  .blog-post__related-grid { grid-template-columns: 1fr; }
  .blog-post__stats { grid-template-columns: repeat(2, 1fr); }
  .blog-post__cta { padding: 32px 24px; }
}

/* ========================================
   CTA BANNER
   ======================================== */
/* --- Booking Section --- */
.booking {
  position: relative;
  padding: 100px 0;
  overflow: hidden;
  background: linear-gradient(135deg, #1E3A8A, #6366F1, #4F46E5);
}

.booking__bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.booking__shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.1;
  background: white;
  animation: shapeFloat 10s ease-in-out infinite;
}

.booking__shape--1 { width: 400px; height: 400px; top: -100px; right: -100px; animation-delay: 0s; }
.booking__shape--2 { width: 300px; height: 300px; bottom: -80px; left: -80px; animation-delay: -3s; }
.booking__shape--3 { width: 200px; height: 200px; top: 50%; left: 60%; animation-delay: -6s; }

@keyframes shapeFloat {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(20px, -20px) scale(1.08); }
}

.booking .container { position: relative; z-index: 1; }

.booking .section-title,
.booking .section-subtitle { color: #fff; }

.booking__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  margin-top: 48px;
  align-items: start;
}

.booking__feature-card {
  padding: 36px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.booking__feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.booking__feature + .booking__feature {
  margin-top: 28px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.booking__feature-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: rgba(212, 175, 55, 0.15);
  color: var(--gold-light);
}

.booking__feature-icon svg {
  width: 22px;
  height: 22px;
}

.booking__feature strong {
  display: block;
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 4px;
  color: #fff;
}

.booking__feature p {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.5;
}

.booking__action-card {
  padding: 40px;
  text-align: center;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.booking__action-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: #080C14;
}

.booking__action-icon svg {
  width: 32px;
  height: 32px;
}

.booking__action-card h3 {
  font-family: var(--font-heading);
  font-size: 24px;
  margin-bottom: 12px;
  color: #fff;
}

.booking__action-card > p {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.6;
  margin-bottom: 28px;
}

.booking__action-card .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}

.booking__note {
  margin-top: 16px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.5);
}

.booking__embed-card {
  padding: 24px;
  overflow: hidden;
}

.booking__embed-card .calendly-inline-widget {
  border-radius: var(--radius-sm);
  overflow: hidden;
}

/* --- Bank Rate Comparison Table --- */
.bank-rates {
  padding: 80px 0 40px;
}

.bank-rates__table-wrap {
  padding: 32px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  max-width: 100%;
}

@media (max-width: 480px) {
  .bank-rates__table-wrap {
    padding: 12px;
  }
  .bank-rates__table {
    font-size: 12px;
  }
  .bank-rates__table th,
  .bank-rates__table td {
    padding: 8px 6px;
    font-size: 12px;
  }
  .bank-rates__table td:not(:first-child) {
    font-size: 13px;
  }
}

.bank-rates__table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
}

.bank-rates__table th {
  text-align: left;
  padding: 12px 16px;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--gold);
  border-bottom: 1px solid var(--glass-border);
  font-weight: 600;
}

.bank-rates__table td {
  padding: 14px 16px;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  color: var(--text-secondary);
}

.bank-rates__table tbody tr:hover {
  background: rgba(212, 175, 55, 0.04);
}

.bank-rates__table td:first-child {
  font-weight: 600;
  color: var(--text-primary);
}

.bank-rates__table td:not(:first-child) {
  font-family: var(--font-heading);
  font-size: 17px;
}

.bank-rates__table .bank-rates__best {
  color: var(--gold);
  font-weight: 700;
}

.bank-rates__table .bank-rates__credit-union td:first-child {
  color: var(--gold-light);
}

.bank-rates__loading {
  text-align: center;
  color: var(--text-muted);
  padding: 40px 16px;
}

.bank-rates__updated {
  margin-top: 16px;
  font-size: 12px;
  color: var(--text-muted);
}

.bank-rates__cta {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--glass-border);
  text-align: center;
}

.bank-rates__cta p {
  color: var(--text-secondary);
  margin-bottom: 16px;
  font-size: 15px;
}

/* --- Contact Success State --- */
.contact__success {
  text-align: center;
  padding: 40px 20px;
}

.contact__success-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  color: #000;
  margin: 0 auto 20px;
}

.contact__success h3 {
  font-family: var(--font-heading);
  font-size: 24px;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.contact__success p {
  font-size: 15px;
  color: var(--text-secondary);
  margin-bottom: 16px;
}

.contact__success-cta {
  margin-top: 28px;
  padding-top: 28px;
  border-top: 1px solid var(--glass-border);
}

.contact__success-cta p {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 12px;
}

/* ========================================
   CONTACT
   ======================================== */
.contact {
  padding: 120px 0;
  background: var(--bg-dark);
}

.contact__grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
}

.contact__form {
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.form-group {
  position: relative;
}

.form-group--full { grid-column: 1 / -1; }

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  background: var(--bg-surface);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  padding: 16px;
  color: var(--text-primary);
  font-family: var(--font-body);
  font-size: 15px;
  outline: none;
  transition: border-color var(--transition);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color: var(--blue);
}

.form-group label {
  position: absolute;
  top: 16px;
  left: 16px;
  font-size: 15px;
  color: var(--text-muted);
  pointer-events: none;
  transition: all var(--transition);
}

.form-group input:focus ~ label,
.form-group input:not(:placeholder-shown) ~ label,
.form-group textarea:focus ~ label,
.form-group textarea:not(:placeholder-shown) ~ label {
  top: -8px;
  left: 12px;
  font-size: 11px;
  color: var(--blue);
  background: var(--bg-surface);
  padding: 0 6px;
  border-radius: 4px;
}

.form-group select + label {
  top: -8px;
  left: 12px;
  font-size: 11px;
  color: var(--blue);
  background: var(--bg-surface);
  padding: 0 6px;
  border-radius: 4px;
}

.form-group select option {
  background: var(--bg-surface);
  color: var(--text-primary);
}

.contact__form .btn {
  grid-column: 1 / -1;
}

.contact__info-card {
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact__info-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact__info-item svg {
  width: 24px;
  height: 24px;
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact__info-item strong {
  display: block;
  font-size: 14px;
  margin-bottom: 2px;
}

.contact__info-item a,
.contact__info-item span {
  display: block;
  font-size: 14px;
  color: var(--text-secondary);
  transition: color var(--transition);
}

.contact__info-item a:hover { color: var(--blue); }

.contact__social {
  display: flex;
  gap: 12px;
  margin-top: 20px;
}

.contact__social-link {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  color: var(--text-secondary);
  transition: all var(--transition);
}

.contact__social-link svg { width: 20px; height: 20px; }

.contact__social-link:hover {
  color: var(--gold);
  border-color: rgba(212, 175, 55, 0.3);
  transform: translateY(-2px);
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
  padding: 60px 0 80px;
  background: var(--bg-navy);
  border-top: 1px solid var(--glass-border);
}

.footer__top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--glass-border);
}

.footer__brand p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-top: 12px;
  max-width: 280px;
  line-height: 1.6;
}

.footer__links h4 {
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 16px;
  color: var(--text-primary);
}

.footer__links a {
  display: block;
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 10px;
  transition: color var(--transition);
}

.footer__links a:hover { color: var(--gold); }

.footer__bottom {
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer__bottom p {
  font-size: 13px;
  color: var(--text-muted);
}

.footer__disclaimer {
  max-width: 500px;
  text-align: right;
}

/* ========================================
   LANDING PAGE
   ======================================== */
.nav--landing .nav__container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.hero--landing {
  text-align: left;
}

.hero__container--landing {
  grid-template-columns: 1fr;
  justify-items: stretch;
}

/* Landing hero: headline left, form right */
.landing-hero-grid {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 48px;
  align-items: center;
  max-width: 1100px;
  margin: 0 auto;
}

.landing-form-wrap .contact__form {
  padding: 28px 24px;
}

.landing-form-wrap .form-group {
  margin-bottom: 14px;
}

.landing-trust {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 28px;
}

.landing-trust__item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--text-secondary);
}

@media (max-width: 860px) {
  .landing-hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero--landing { text-align: center; }
  .landing-trust { align-items: center; }
  .landing-form-wrap { max-width: 440px; margin: 0 auto; }
}

.stats--landing {
  padding: 48px 0;
  background: var(--bg-navy);
  border-top: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
}

.stats--landing .stats__number {
  font-size: 28px;
  color: var(--gold);
}

.landing-values {
  padding: 80px 0;
  background: var(--bg-dark);
}

.landing-process {
  background: var(--bg-navy);
}

.landing-testimonial {
  padding: 80px 0;
  background: var(--bg-dark);
}

.landing-testimonial__card {
  max-width: 640px;
  margin: 0 auto;
  padding: 40px;
  text-align: center;
}

.landing-testimonial__card .testimonials__quote {
  font-size: 18px;
  line-height: 1.7;
  margin-bottom: 24px;
}

.landing-testimonial__card .testimonials__author {
  justify-content: center;
}

.footer--landing {
  padding: 24px 0;
}

/* ========================================
   RESPONSIVE
   ======================================== */
@media (max-width: 1024px) {
  .hero__container {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero__content {
    max-width: 100%;
    text-align: center;
  }

  .hero__right {
    max-width: 400px;
    margin: 0 auto;
  }

  .hero__subtitle { margin-left: auto; margin-right: auto; }
  .hero__ctas { justify-content: center; }
  .hero__trust { justify-content: center; }

  .hero__calculator {
    max-width: 380px;
    margin: 32px auto 0;
  }

  .hero__portrait {
    right: -10%;
    height: 55%;
    opacity: 0.25;
    z-index: 0;
  }

  .hero__portrait img {
    -webkit-mask-image: linear-gradient(to bottom, black 50%, transparent 85%), linear-gradient(to right, transparent 0%, black 30%, black 100%);
    -webkit-mask-composite: source-in;
    mask-image: linear-gradient(to bottom, black 50%, transparent 85%), linear-gradient(to right, transparent 0%, black 30%, black 100%);
    mask-composite: intersect;
  }

  .services__grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .resources__grid { grid-template-columns: repeat(2, 1fr); }
  .products__grid { grid-template-columns: 1fr; max-width: 500px; margin: 48px auto 0; }
  .process__timeline { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .process__line { display: none; }

  .why__grid { grid-template-columns: 1fr; }
  .why__visual { height: 280px; }

  .news__grid { grid-template-columns: repeat(2, 1fr); }
  .calculator__card { grid-template-columns: 1fr; }
  .booking__grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; }
  .contact__grid { grid-template-columns: 1fr; }

  .footer__top { grid-template-columns: 1fr; gap: 32px; }
  .footer__bottom { flex-direction: column; text-align: center; }
  .footer__disclaimer { text-align: center; }
}

@media (max-width: 768px) {
  /* --- Section padding reduction for mobile --- */
  .services { padding: 60px 0; }
  .products { padding: 60px 0; }
  .process { padding: 60px 0; }
  .why { padding: 60px 0; }
  .calculator { padding: 60px 0; }
  .resources { padding: 60px 0; }
  .contact { padding: 60px 0; }
  .news { padding: 60px 0; }
  .stats { padding: 40px 0; }
  .bank-rates { padding: 40px 0 20px; }

  .section-subtitle { margin-bottom: 32px; }

  .calc-tabs { gap: 6px; }
  .calc-tabs__btn { padding: 10px 14px; font-size: 12px; gap: 6px; }
  .calc-tabs__btn svg { width: 15px; height: 15px; }
  .calc-closing__row { padding: 10px 16px; font-size: 13px; }
  .calc-closing__divider { margin: 0 16px; }

  .nav__links { display: none; }
  .nav__cta { display: none; }
  .nav__hamburger { display: flex; }

  .nav__links.active {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(8, 12, 20, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    justify-content: center;
    align-items: center;
    gap: 32px;
    z-index: 999;
  }

  .nav__links.active a {
    font-size: 24px;
    color: var(--text-primary);
  }

  .hero { padding: 100px 0 60px; min-height: auto; }
  .hero__title { font-size: clamp(36px, 10vw, 56px); }
  .hero__portrait { display: none; }

  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }

  .contact__form { grid-template-columns: 1fr; padding: 28px; }

  .calculator__card { padding: 28px; }

  .news__grid { grid-template-columns: 1fr; }
  .resources__grid { grid-template-columns: 1fr; }

  .booking { padding: 50px 0; }
  .booking__grid { grid-template-columns: 1fr; }
  .booking__action-card { padding: 28px; }
  .booking__embed-card .calendly-inline-widget { height: 550px !important; }
}

@media (max-width: 480px) {
  .hero__trust { flex-direction: column; gap: 8px; }
  .hero__trust-divider { width: 40px; height: 1px; }
  .hero__calculator .glass-card { padding: 24px; }
  .mini-calc__amount { font-size: 26px; }
  .calc-result__value { font-size: 40px; }
  .calc-closing__total { font-size: 18px; }
  .calc-closing__row--total span:last-child { font-size: 16px; }
  .calc-closing__header { padding: 12px 16px; }
  .calc-closing__row { padding: 8px 12px; font-size: 12px; }
  .calc-closing__divider { margin: 0 12px; }
}

/* ========================================
   COOKIE CONSENT BANNER
   ======================================== */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9000;
  background: var(--bg-navy);
  border-top: 1px solid var(--glass-border);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  transform: translateY(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.cookie-banner--visible {
  transform: translateY(0);
}

.cookie-banner__text {
  flex: 1;
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.5;
  min-width: 200px;
}

.cookie-banner__link {
  color: var(--gold);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color var(--transition);
}

.cookie-banner__link:hover {
  color: var(--gold-light);
}

.cookie-banner__close {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 20px;
  cursor: pointer;
  padding: 4px 8px;
  line-height: 1;
  transition: color var(--transition);
  flex-shrink: 0;
}

.cookie-banner__close:hover {
  color: var(--text-primary);
}

@media (max-width: 600px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 16px 20px;
  }

  .cookie-banner .btn {
    width: 100%;
    justify-content: center;
  }

  .cookie-banner__close {
    position: absolute;
    top: 12px;
    right: 16px;
  }
}