/* ===========================
   ELITE MORTGAGE & LOAN LLC
   Navy + Gold — Residential Mortgage
   =========================== */

/* ===== VARIABLES ===== */
:root {
  --bg:              #f7f5f1;
  --surface:         #ffffff;
  --surface-tint:    #eef2f8;
  --text:            #1a2535;
  --text-muted:      #4a5b72;
  --navy:            #0b2d6e;
  --navy-dark:       #071a40;
  --navy-mid:        #163d8a;
  --gold:            #c8922a;
  --gold-dark:       #a87520;
  --gold-light:      #fef3dc;
  --green:           #1a7a56;
  --border:          #d5dde8;
  --shadow-sm:       0 1px 4px rgba(11,45,110,.08);
  --shadow:          0 4px 20px rgba(11,45,110,.12);
  --shadow-lg:       0 12px 40px rgba(11,45,110,.18);
  --radius:          1rem;
  --radius-sm:       .5rem;
  --font-display:    'Merriweather', Georgia, 'Times New Roman', serif;
  --font-body:       'Source Sans 3', system-ui, -apple-system, sans-serif;
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a   { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.3; color: var(--text); }
h1 { font-size: clamp(1.9rem, 4vw, 2.85rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.1rem; }
p  { max-width: 68ch; }
.site-shell { min-height: 100vh; display: flex; flex-direction: column; }
main { flex: 1; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .8rem 1.85rem;
  border-radius: 4px;
  font-family: var(--font-body);
  font-size: .95rem;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s ease;
  border: 2px solid transparent;
  white-space: nowrap;
  letter-spacing: .01em;
}
.btn-gold               { background: var(--gold);      color: #fff; }
.btn-gold:hover         { background: var(--gold-dark); }
.btn-navy               { background: var(--navy);      color: #fff; }
.btn-navy:hover         { background: var(--navy-dark); }
.btn-outline-navy       { background: transparent; color: var(--navy);  border-color: var(--navy);  }
.btn-outline-navy:hover { background: var(--surface-tint); }
.btn-ghost              { background: transparent; color: var(--navy);  border-color: var(--border); }
.btn-ghost:hover        { border-color: var(--navy); background: var(--surface-tint); }
.btn-ghost-white        { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.btn-ghost-white:hover  { border-color: #fff; background: rgba(255,255,255,.1); }
.btn-block              { display: flex; width: 100%; }

/* ===== HEADER ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.8);
  font-size: .76rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  padding: .35rem 2rem;
  letter-spacing: .01em;
}
.top-bar-email { color: var(--gold); font-weight: 700; }
.top-bar-email:hover { text-decoration: underline; }
.rates-strip {
  background: linear-gradient(90deg, #0f1d43 0%, #1e4cc6 50%, #0f1d43 100%);
  border-top: 1px solid rgba(255,255,255,.15);
  border-bottom: 1px solid rgba(255,255,255,.15);
  display: flex;
  align-items: center;
  gap: .55rem;
  padding: .3rem .9rem;
  min-height: 34px;
  color: #e9f1ff;
}

.rates-strip-label {
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.45);
  background: rgba(255, 61, 113, .26);
  padding: .09rem .45rem;
  font-size: .64rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.rates-strip-rotator {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  min-width: 0;
}

.rates-strip-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.28);
  background: rgba(255,255,255,.12);
  padding: .14rem .52rem;
  font-size: .74rem;
  font-weight: 700;
  line-height: 1.2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  max-width: 100%;
  transition: opacity .22s ease;
}

.rates-strip-pill--primary {
  color: #f7fbff;
}

.rates-strip-pill.is-fading {
  opacity: .28;
}

.rates-strip-source {
  font-size: .62rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  opacity: .86;
  white-space: nowrap;
}

.rates-strip-link {
  display: inline-flex;
  align-items: center;
  padding: .14rem .48rem;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.38);
  background: rgba(255,255,255,.12);
  color: #fff;
  font-weight: 700;
  font-size: .64rem;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.rates-strip-link:hover {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.55);
}


.header-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: .85rem 2rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
.brand              { display: flex; align-items: center; gap: .85rem; flex-shrink: 0; }
.brand-mark {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: .9rem;
  font-weight: 900;
  color: var(--gold);
  letter-spacing: -.02em;
  flex-shrink: 0;
}
.brand-text  { display: flex; flex-direction: column; }
.brand-name  { font-family: var(--font-display); font-size: 1rem; font-weight: 700; color: var(--text); line-height: 1.2; }
.brand-amp   { color: var(--gold); }
.brand-tag   { font-size: .69rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--text-muted); }
.main-nav    { display: flex; align-items: center; gap: .1rem; margin-left: auto; }
.nav-link    { padding: .5rem .8rem; border-radius: var(--radius-sm); font-size: .86rem; font-weight: 600; color: var(--text-muted); transition: all .18s; }
.nav-link:hover,
.nav-link--active { color: var(--navy); background: var(--surface-tint); }
.header-actions    { display: flex; gap: .6rem; margin-left: .5rem; flex-shrink: 0; }
.header-appt { padding: .55rem 1.1rem; background: transparent; color: var(--navy); border: 1.5px solid var(--navy); border-radius: 4px; font-size: .83rem; font-weight: 700; transition: all .2s; }
.header-appt:hover { background: var(--surface-tint); }
.header-apply { padding: .55rem 1.25rem; background: var(--gold); color: #fff; border-radius: 4px; font-size: .83rem; font-weight: 700; transition: background .2s; }
.header-apply:hover { background: var(--gold-dark); }
.nav-toggle  { display: none; background: none; border: none; font-size: 1.4rem; cursor: pointer; color: var(--text); padding: .25rem; margin-left: auto; }

/* ===== SECTIONS ===== */
.section        { padding: 5.5rem 2rem; }
.section-inner  { max-width: 1200px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 3.5rem; }
.section-header p { max-width: 64ch; margin: .75rem auto 0; color: var(--text-muted); font-size: 1.05rem; }
.section-eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--gold);
  background: var(--gold-light);
  border: 1px solid rgba(200,146,42,.25);
  padding: .28rem .9rem;
  border-radius: 3px;
  margin-bottom: .85rem;
}
.section-action { text-align: center; margin-top: 2.5rem; }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(155deg, #0b2d6e 0%, #163d8a 50%, #0b2d6e 100%);
  position: relative;
  overflow: hidden;
  padding: 5.5rem 2rem 4.5rem;
}
.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(200,146,42,.08) 0%, transparent 60%),
    radial-gradient(circle at 80% 20%, rgba(255,255,255,.04) 0%, transparent 50%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4.5rem;
  align-items: center;
  position: relative;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: var(--font-body);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(200,146,42,.15);
  border: 1px solid rgba(200,146,42,.3);
  padding: .38rem 1rem;
  border-radius: 3px;
  margin-bottom: 1.5rem;
}
.badge-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold);
  animation: pulse 2s infinite;
  flex-shrink: 0;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .4; transform: scale(.8); }
}
.hero-headline      { color: #ffffff; margin-bottom: 1.25rem; font-size: clamp(1.9rem, 3.5vw, 2.75rem); line-height: 1.2; }
.hero-sub           { color: rgba(255,255,255,.78); font-size: 1.07rem; margin-bottom: 2rem; line-height: 1.75; max-width: 52ch; }
.hero-actions       { display: flex; flex-wrap: wrap; gap: .85rem; margin-bottom: 2.5rem; }
.trust-bar          { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; padding-top: 1.75rem; border-top: 1px solid rgba(255,255,255,.15); }
.trust-item         { display: flex; align-items: center; gap: .45rem; font-family: var(--font-body); font-size: .83rem; font-weight: 600; color: rgba(255,255,255,.8); }
.check-icon         { width: 20px; height: 20px; flex-shrink: 0; }

/* Hero visual */
.hero-visual        { display: flex; align-items: center; justify-content: center; }
.hero-card-stack    { position: relative; width: 320px; height: 310px; }
.hero-home-graphic  { position: absolute; top: 10px; left: 50%; transform: translateX(-50%); }
.hero-card {
  position: absolute;
  background: rgba(255,255,255,.97);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  padding: .9rem 1.2rem;
  display: flex;
  flex-direction: column;
  gap: .15rem;
}
.hero-card-label  { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--text-muted); }
.hero-card-val    { font-family: var(--font-display); font-size: 1.05rem; font-weight: 700; color: var(--navy); }
.hero-card--rate  { bottom: 0; left: -5px; min-width: 155px; border-left: 3px solid var(--gold); }
.hero-card--stat  { top: 5px; right: -5px; min-width: 120px; background: var(--gold); border-left: none; text-align: center; align-items: center; }
.hero-card--stat .stat-num { font-family: var(--font-display); font-size: 1.8rem; font-weight: 900; color: #fff; line-height: 1; }
.hero-card--stat .stat-lbl { font-size: .72rem; font-weight: 600; color: rgba(255,255,255,.8); text-transform: uppercase; letter-spacing: .05em; }
.hero-card--time  { bottom: 60px; right: -5px; min-width: 140px; border-left: 3px solid var(--green); }
.hero-card--time .hero-card-val { color: var(--green); }

/* ===== LOAN TYPES ===== */
.loan-section { background: var(--navy-dark); }
.loan-section .section-header h2     { color: white; }
.loan-section .section-header p      { color: rgba(255,255,255,.62); }
.loan-section .section-eyebrow       { background: rgba(200,146,42,.18); border-color: rgba(200,146,42,.3); }
.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.loan-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  padding: 1.75rem 1.5rem;
  transition: all .25s;
}
.loan-card:hover   { background: rgba(255,255,255,.1); border-color: var(--gold); transform: translateY(-3px); }
.loan-icon         { font-size: 1.9rem; line-height: 1; margin-bottom: .9rem; }
.loan-card h3      { color: white; font-size: 1rem; margin-bottom: .5rem; }
.loan-card p       { color: rgba(255,255,255,.6); font-size: .88rem; max-width: none; }

/* ===== PROCESS ===== */
.process-section { background: var(--bg); }
.process-steps {
  display: grid;
  grid-template-columns: 1fr 40px 1fr 40px 1fr;
  gap: 0;
  align-items: start;
}
.process-step {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s;
}
.process-step:hover { box-shadow: var(--shadow); }
.step-num {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 900;
  line-height: 1;
  margin-bottom: .75rem;
  color: transparent;
  -webkit-text-stroke: 2.5px var(--gold);
}
.process-step h3    { font-size: 1.05rem; margin-bottom: .6rem; }
.process-step p     { color: var(--text-muted); font-size: .9rem; max-width: none; margin-bottom: 1rem; }
.step-link          { font-size: .85rem; font-weight: 700; color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.step-link:hover    { color: var(--gold); }
.process-connector  {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 2.5rem;
  color: var(--gold);
  font-size: 1.3rem;
  opacity: .5;
}
.process-connector::after { content: '→'; }

/* ===== WHY ELITE ===== */
.why-section  { background: var(--surface-tint); }
.reasons-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.reason-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1.75rem 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: all .25s;
}
.reason-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.reason-icon       { font-size: 2rem; line-height: 1; margin-bottom: .9rem; }
.reason-card h3    { font-size: 1rem; margin-bottom: .5rem; color: var(--navy); }
.reason-card p     { font-size: .88rem; color: var(--text-muted); max-width: none; }

/* ===== ABOUT SPLIT ===== */
.about-split  { background: var(--surface); }
.about-inner  { display: grid; grid-template-columns: 1fr 1.2fr; gap: 5rem; align-items: start; }
.about-visual { display: flex; flex-direction: column; gap: 1.25rem; position: sticky; top: 120px; }
.about-stat-card {
  background: var(--navy-dark);
  border-radius: var(--radius-sm);
  padding: 2rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  text-align: center;
}
.about-stat        { display: flex; flex-direction: column; gap: .25rem; }
.about-stat strong { font-family: var(--font-display); font-size: 1.9rem; font-weight: 900; color: var(--gold); line-height: 1; }
.about-stat span   { font-size: .72rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: rgba(255,255,255,.55); }
.about-action-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: .75rem;
}
.about-action-card h3 { font-size: 1rem; margin-bottom: .1rem; }
.about-action-card p  { font-size: .88rem; color: var(--text-muted); max-width: none; }
.about-copy h2          { margin-bottom: 1rem; }
.about-copy > p         { color: var(--text-muted); font-size: 1.02rem; margin-bottom: 1rem; line-height: 1.75; }
.about-checklist        { padding-left: 1.25rem; margin-top: 1.5rem; display: flex; flex-direction: column; gap: .6rem; }
.about-checklist li     { color: var(--text-muted); font-size: .92rem; }
.about-checklist li::marker { color: var(--gold); }

/* ===== TESTIMONIALS ===== */
.testimonials-section { background: var(--bg); }
.testimonials-grid    { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.testimonial-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
.testimonial-quote-mark { font-size: 3rem; line-height: 1; color: var(--gold); opacity: .4; margin-bottom: .5rem; font-family: Georgia, serif; }
.testimonial-card blockquote { font-style: italic; color: var(--text-muted); font-size: .95rem; line-height: 1.75; flex: 1; max-width: none; margin-bottom: 1.25rem; }
.testimonial-author        { padding-top: 1.1rem; border-top: 1px solid var(--border); }
.testimonial-author strong { display: block; font-size: .9rem; color: var(--navy); font-family: var(--font-body); }
.testimonial-author span   { font-size: .8rem; color: var(--text-muted); }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(120deg, var(--navy-dark), var(--navy));
  padding: 5.5rem 2rem;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  right: -80px; top: -80px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(200,146,42,.08);
  pointer-events: none;
}
.cta-banner-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 3rem;
  position: relative;
}
.cta-banner h2   { color: white; margin-bottom: .6rem; }
.cta-banner-text > p { color: rgba(255,255,255,.72); max-width: 55ch; }
.cta-banner-actions  { display: flex; gap: 1rem; flex-wrap: wrap; flex-shrink: 0; }

/* ===== FOOTER ===== */
.site-footer     { background: var(--navy-dark); color: rgba(255,255,255,.72); padding: 5rem 2rem 0; }
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.3fr 2fr;
  gap: 5rem;
  padding-bottom: 4rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand  { display: flex; gap: 1rem; align-items: flex-start; }
.footer-brand-mark {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--navy-mid), var(--gold));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: .9rem;
  font-weight: 900;
  color: white;
  flex-shrink: 0;
}
.footer-brand-body strong { display: block; color: white; font-family: var(--font-display); font-size: 1rem; margin-bottom: .6rem; }
.footer-brand-body p     { font-size: .85rem; color: rgba(255,255,255,.58); line-height: 1.65; max-width: 30ch; margin-bottom: .5rem; }
.footer-license          { font-size: .83rem !important; color: rgba(255,255,255,.5) !important; letter-spacing: .02em; }
.nmls-link               { color: var(--gold) !important; text-decoration: none; transition: opacity .2s; }
.nmls-link:hover         { opacity: .8; text-decoration: underline; }
.footer-cols   { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.footer-col h4 { color: white; font-family: var(--font-body); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 1.1rem; font-weight: 700; }
.footer-col a  { display: block; font-size: .87rem; color: rgba(255,255,255,.6); margin-bottom: .55rem; transition: color .2s; }
.footer-col a:hover { color: var(--gold); }
.footer-col p  { font-size: .87rem; color: rgba(255,255,255,.6); margin-bottom: .55rem; }
.footer-hours  { font-size: .8rem !important; color: rgba(255,255,255,.4) !important; }
.footer-cta {
  display: flex !important;
  align-items: center;
  justify-content: center;
  padding: .6rem 1rem;
  border-radius: 4px;
  font-size: .82rem;
  font-weight: 700;
  margin-bottom: .6rem !important;
  text-align: center;
  transition: all .2s;
}
.footer-cta--apply { background: var(--gold); color: white !important; }
.footer-cta--apply:hover { background: var(--gold-dark) !important; color: white !important; }
.footer-cta--appt  { background: transparent; color: rgba(255,255,255,.8) !important; border: 1.5px solid rgba(255,255,255,.3); }
.footer-cta--appt:hover  { border-color: white !important; color: white !important; }
.footer-cta--calc  { background: transparent; color: rgba(255,255,255,.5) !important; font-size: .78rem; font-weight: 600; text-decoration: underline; text-underline-offset: 3px; justify-content: flex-start; padding-left: 0 !important; }
.footer-disclaimer {
  max-width: 1200px;
  margin: 0 auto;
  padding: 2rem 0 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,.08);
  font-size: .83rem;
  color: rgba(255,255,255,.32);
  line-height: 1.65;
}
.footer-disclaimer p { max-width: none; margin-bottom: .6rem; }
.footer-nmls { color: rgba(255,255,255,.48) !important; }
.footer-nmls a { color: var(--gold); text-decoration: none; }
.footer-nmls a:hover { text-decoration: underline; }
.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 1.35rem 0;
  font-size: .78rem;
  color: rgba(255,255,255,.32);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: .5rem;
}
.footer-hosted { font-size: .76rem; color: rgba(255,255,255,.28); }
.footer-hosted a { color: rgba(255,255,255,.45); text-decoration: underline; text-underline-offset: 3px; transition: color .2s; }
.footer-hosted a:hover { color: var(--gold); }

/* ===== PAGE / SINGLE LAYOUT ===== */
.page-hero        { background: var(--surface-tint); padding: 4rem 2rem; border-bottom: 2px solid var(--border); }
.page-hero-inner  { max-width: 1100px; margin: 0 auto; }
.page-hero h1     { margin: .5rem 0 .75rem; }
.page-hero-desc   { color: var(--text-muted); font-size: 1.05rem; max-width: 65ch; }
.page-layout {
  max-width: 1200px;
  margin: 0 auto;
  padding: 4rem 2rem;
  display: grid;
  grid-template-columns: 1fr 310px;
  gap: 4rem;
  align-items: start;
}

/* Prose */
.prose h1, .prose h2 { margin: 2rem 0 .75rem; padding-bottom: .5rem; border-bottom: 1px solid var(--border); }
.prose h3   { margin: 1.75rem 0 .5rem; color: var(--navy); }
.prose p    { color: var(--text-muted); margin-bottom: 1rem; }
.prose ul, .prose ol { padding-left: 1.5rem; color: var(--text-muted); margin-bottom: 1.25rem; }
.prose li   { margin-bottom: .45rem; }
.prose strong { color: var(--text); }
.prose table { width: 100%; border-collapse: collapse; margin-bottom: 2rem; font-size: .9rem; }
.prose th   { background: var(--navy); color: white; text-align: left; padding: .75rem 1rem; border: 1px solid var(--border); font-family: var(--font-body); font-weight: 700; font-size: .82rem; }
.prose td   { padding: .75rem 1rem; border: 1px solid var(--border); color: var(--text-muted); vertical-align: top; }
.prose tr:nth-child(even) td { background: var(--surface-tint); }
.prose hr   { border: none; border-top: 1px solid var(--border); margin: 2.25rem 0; }
.prose a    { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.prose a:hover { color: var(--gold); }
/* Inline styles from content (calc, docs pages) */
.prose form { max-width: 480px; }
.prose label { display: block; margin-bottom: 6px; font-weight: 600; color: var(--text); font-size: .9rem; }
.prose input, .prose select {
  width: 100%; padding: .55rem .75rem; margin-bottom: 1.1rem;
  border: 1px solid var(--border); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .95rem; color: var(--text);
  background: var(--surface);
}
.prose textarea {
  width: 100%; padding: .65rem .75rem; border: 1px solid var(--border);
  border-radius: .5rem; background: #fff; color: var(--text);
  min-height: 130px; resize: vertical;
}
.prose input:focus, .prose select:focus { outline: 2px solid var(--navy); outline-offset: 1px; }
.prose textarea:focus { outline: 2px solid var(--navy); outline-offset: 1px; }
.prose button { background: var(--gold); color: white; padding: .7rem 1.5rem; border: none; border-radius: 4px; font-family: var(--font-body); font-size: .95rem; font-weight: 700; cursor: pointer; width: auto; }
.prose button:hover { background: var(--gold-dark); }
.prose .form-status { margin-top: .75rem; min-height: 1.25rem; font-weight: 600; color: var(--text-muted); }
.prose .form-status-success { color: #0b7a3b; }
.prose .form-status-error { color: #a12727; }
.disclaimer { background: var(--gold-light); border: 1px solid rgba(200,146,42,.3); border-radius: var(--radius-sm); padding: 1rem 1.25rem; color: var(--text-muted); font-size: .85rem; margin-top: 1.5rem; }

/* Calculator */
.calc-shell { margin-top: 1.5rem; }
.calc-intro {
  background: linear-gradient(180deg, #f7f9fd 0%, #f2f6fc 100%);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  margin-bottom: 1.25rem;
}
.calc-form {
  max-width: none !important;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: #fff;
  padding: 1.2rem 1.2rem 1rem;
}
.calc-form h3 {
  margin: .25rem 0 .8rem;
  font-size: 1rem;
  color: var(--navy);
  border: none;
  padding: 0;
}
.calc-grid {
  display: grid;
  gap: .85rem 1rem;
  margin-bottom: 1rem;
}
.calc-grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.calc-field label {
  display: block;
  margin-bottom: .35rem;
  font-size: .82rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .04em;
  font-weight: 700;
}
.calc-field input,
.calc-field select {
  width: 100%;
  margin-bottom: 0 !important;
  border-radius: 8px;
  border-color: #cfd9ea;
}
.calc-actions {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: .65rem;
  margin-top: .5rem;
}
.btn-reset {
  background: transparent !important;
  color: var(--navy) !important;
  border: 1px solid rgba(11,45,110,.25) !important;
}
.btn-reset:hover {
  background: rgba(11,45,110,.07) !important;
}
.calc-note {
  margin-top: .6rem;
  font-size: .8rem;
  color: var(--text-muted);
}
.calc-error {
  margin-top: 1rem;
  background: #fff1f2;
  border: 1px solid #f8c2cb;
  color: #8f1d2d;
  padding: .85rem 1rem;
  border-radius: 8px;
  font-size: .9rem;
}
.calc-results {
  margin-top: 1.2rem;
  display: grid;
  gap: 1rem;
}
.calc-primary-card {
  background: var(--navy-dark);
  border-radius: var(--radius-sm);
  padding: 1.1rem 1.25rem;
  color: #fff;
}
.calc-kicker {
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: rgba(255,255,255,.68) !important;
  margin-bottom: .35rem !important;
}
.calc-primary-number {
  margin: 0;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: clamp(2rem, 5vw, 2.6rem);
  font-weight: 900;
  line-height: 1;
}
.calc-summary-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: .75rem;
}
.calc-card {
  border: 1px solid var(--border);
  border-radius: 10px;
  background: #fff;
  padding: .8rem .9rem;
  display: flex;
  flex-direction: column;
  gap: .3rem;
}
.calc-card span {
  font-size: .73rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .04em;
  font-weight: 700;
}
.calc-card strong {
  font-size: .98rem;
  color: var(--navy);
  line-height: 1.25;
}
.calc-breakdown {
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface-tint);
  padding: 1rem 1.15rem;
}
.calc-breakdown h3 {
  margin: 0 0 .5rem;
  border: none;
  padding: 0;
  font-size: .98rem;
}
.calc-breakdown ul {
  margin: 0;
  padding-left: 1.1rem;
}
.calc-breakdown li {
  margin-bottom: .35rem;
  color: var(--text-muted);
}
.calc-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: #fff;
}

/* Sidebar */
.page-aside      { display: flex; flex-direction: column; gap: 1.1rem; position: sticky; top: 120px; }
.aside-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: .65rem;
}
.aside-card h3    { font-size: .98rem; color: var(--navy); }
.aside-card h4    { font-size: .82rem; font-family: var(--font-body); font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--text-muted); }
.aside-card p     { font-size: .88rem; color: var(--text-muted); max-width: none; }
.aside-card a     { font-size: .88rem; color: var(--navy); }
.aside-card a:hover { color: var(--gold); }
.aside-hours      { font-size: .8rem; color: var(--text-muted); }
.aside-card--appt { background: var(--navy-dark); border-color: transparent; }
.aside-card--appt h3 { color: white; }
.aside-card--appt p  { color: rgba(255,255,255,.65); }
.aside-appt-icon     { color: var(--gold); }
.aside-card--contact { border-left: 3px solid var(--navy); }
.aside-card--calc    { border-left: 3px solid var(--gold); }

/* ===== RATES PAGE ===== */
.rates-live-shell {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: #fff;
  box-shadow: var(--shadow);
  padding: 1rem;
  overflow-x: auto;
  margin: 1.1rem 0 1rem;
}

.rates-page-intro {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: linear-gradient(180deg, #f8fbff 0%, #f1f6fd 100%);
  padding: 1.15rem 1.2rem;
  margin-bottom: 1rem;
}

.rates-intro-kicker {
  margin: 0 0 .35rem;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--gold-dark) !important;
  font-weight: 800;
}

.rates-page-intro h2 {
  margin: 0 0 .55rem;
  border: 0 !important;
  padding: 0 !important;
}

.rates-page-intro p {
  margin-bottom: 0;
}

.rates-highlights-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: .75rem;
  margin-bottom: 1rem;
}

.rates-highlight-card {
  border: 1px solid var(--border);
  border-radius: 10px;
  background: #fff;
  padding: .9rem .95rem;
}

.rates-highlight-card h3 {
  margin: 0 0 .45rem;
  font-size: .9rem;
  line-height: 1.35;
}

.rates-highlight-card p {
  margin: 0;
  font-size: .9rem;
}

.rates-live-header {
  display: flex;
  align-items: center;
  gap: .55rem;
  margin-bottom: .7rem;
}

.rates-live-header p {
  margin: 0;
  font-size: .86rem;
  font-weight: 700;
  color: var(--text);
}

.rates-live-badge {
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.25);
  background: var(--navy);
  color: #fff;
  padding: .1rem .48rem;
  font-size: .62rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.rates-live-shell iframe {
  border: 0;
  display: block;
  margin: 0 auto;
}

.rates-live-desktop { display: block; }
.rates-live-mobile { display: none; }

.rates-note {
  font-size: .92rem;
  color: var(--text-muted);
}

.rates-actions {
  display: flex;
  flex-wrap: wrap;
  gap: .65rem;
  margin: .55rem 0 .35rem;
}

/* ===== REVEAL ANIMATION ===== */
@keyframes rise {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.reveal { animation: rise .45s ease-out both; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1100px) {
  .hero-inner                  { grid-template-columns: 1fr; gap: 3rem; }
  .hero-visual                 { justify-content: flex-start; }
  .about-inner                 { grid-template-columns: 1fr; gap: 3rem; }
  .about-visual                { position: static; }
  .reasons-grid                { grid-template-columns: repeat(2, 1fr); }
  .footer-inner                { grid-template-columns: 1fr; gap: 3rem; }
  .cta-banner-inner            { flex-direction: column; align-items: flex-start; }
  .page-layout                 { grid-template-columns: 1fr; }
  .page-aside                  { position: static; }
  .process-steps               { grid-template-columns: 1fr; gap: 1.25rem; }
  .process-connector           { display: none; }
}
@media (max-width: 860px) {
  .section                     { padding: 4rem 1.5rem; }
  .hero                        { padding: 4rem 1.5rem 3rem; }
  .main-nav                    { display: none; }
  .nav-toggle                  { display: block; }
  .header-appt                 { display: none; }
  .loan-grid                   { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid           { grid-template-columns: 1fr; }
  .footer-cols                 { grid-template-columns: 1fr 1fr; }
  .about-stat-card             { grid-template-columns: 1fr; gap: 1rem; text-align: left; }
  .calc-grid--2                { grid-template-columns: 1fr; }
  .calc-summary-grid           { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .loan-grid                   { grid-template-columns: 1fr; }
  .reasons-grid                { grid-template-columns: 1fr; }
  .footer-cols                 { grid-template-columns: 1fr; }
  .hero-badge                  { font-size: .68rem; }
  .top-bar                     { flex-direction: column; gap: .15rem; font-size: .72rem; }
  .hero-card-stack             { width: 280px; height: 280px; }
  .calc-summary-grid           { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .rates-strip {
    padding: .28rem .52rem;
    gap: .38rem;
  }
  .rates-strip-source {
    display: none;
  }
  .rates-strip-pill {
    font-size: .69rem;
  }

  .rates-highlights-grid {
    grid-template-columns: 1fr;
  }

  .rates-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .rates-actions .btn {
    width: 100%;
  }
}

@media (max-width: 900px) {
  .rates-live-desktop { display: none; }
  .rates-live-mobile { display: block; }
}