/* ============================================================
   Close With Pam — styles.css
   Modern mortgage services website
   ============================================================ */

/* --- Fonts --- */
@font-face {
  font-family: 'Montserrat';
  src: url('fonts/montserrat-400.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Montserrat';
  src: url('fonts/montserrat-600.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Montserrat';
  src: url('fonts/montserrat-700.woff2') format('woff2');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Montserrat Fallback';
  src: local('Arial');
  size-adjust: 113%;
  ascent-override: 90%;
  descent-override: 23%;
  line-gap-override: 0%;
}
@font-face {
  font-family: 'Oswald';
  src: url('fonts/oswald-variable.woff2') format('woff2');
  font-weight: 200 700;
  font-style: normal;
  font-display: swap;
}

/* --- Custom Properties --- */
:root {
  --color-primary: #1a3c5e;
  --color-primary-dark: #0f2840;
  --color-accent: #e58302;
  --color-accent-hover: #d07500;
  --color-warm: #a4411b;
  --color-warm-light: #f5ebe4;
  --color-bg: #ffffff;
  --color-bg-alt: #f7f8fa;
  --color-bg-dark: #0f2840;
  --color-text: #333333;
  --color-text-light: #666666;
  --color-text-muted: #999999;
  --color-border: #e0e0e0;
  --color-success: #2e9b62;
  --font-sans: 'Montserrat', 'Montserrat Fallback', Arial, sans-serif;
  --font-display: 'Oswald', 'Arial Narrow', sans-serif;
  --max-width: 1200px;
  --header-height: 80px;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.12);
  --transition: 0.3s ease;
}

/* --- Reset --- */
*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.7;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-accent); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-accent-hover); }
ul, ol { list-style: none; }
button, input, select, textarea { font-family: inherit; font-size: inherit; }

/* --- Utility --- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-alt { background: var(--color-bg-alt); }
.section-dark { background: var(--color-bg-dark); color: #fff; }
.section-warm { background: var(--color-warm-light); }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.accent { color: var(--color-accent); }
.grid { display: grid; gap: 32px; }
.grid-2 { grid-template-columns: 1fr 1fr; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* --- Typography --- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-sans);
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-primary-dark);
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.6rem, 4vw, 2.4rem); margin-bottom: 0.75rem; }
h3 { font-size: clamp(1.2rem, 3vw, 1.6rem); margin-bottom: 0.5rem; }
h4 { font-size: 1.1rem; margin-bottom: 0.5rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
.section-label {
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 0.85rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: 0.5rem;
}
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: #fff; }
.section-dark .section-label { color: var(--color-accent); }
.lead { font-size: 1.15rem; color: var(--color-text-light); max-width: 680px; }
.lead.centered { margin-left: auto; margin-right: auto; }

/* --- Header --- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--transition);
}
.site-header.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.08); }
.header-top {
  background: var(--color-primary-dark);
  color: #fff;
  font-size: 0.82rem;
  padding: 6px 0;
}
.header-top .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.header-top a { color: #fff; }
.header-top a:hover { color: var(--color-accent); }
.header-top-social { display: flex; gap: 14px; align-items: center; }
.header-search {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.1);
  border-radius: 4px;
  padding: 3px 8px;
  transition: background 0.2s ease;
}
.header-search:hover,
.header-search:focus-within {
  background: rgba(255,255,255,0.15);
}
.header-search input {
  background: none;
  border: none;
  color: #fff;
  font-size: 0.75rem;
  width: 100px;
  padding: 2px 6px;
  outline: none;
  transition: width 0.3s ease;
}
.header-search input::placeholder {
  color: rgba(255,255,255,0.6);
}
.header-search input:focus {
  width: 130px;
}
.header-search button {
  background: none;
  border: none;
  color: rgba(255,255,255,0.7);
  cursor: pointer;
  padding: 0;
  display: flex;
  align-items: center;
  transition: color 0.2s ease;
}
.header-search button:hover {
  color: #fff;
}
.header-top-social a { display: flex; align-items: center; }
.header-main .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}
.logo { display: flex; align-items: center; gap: 12px; }
.logo img { height: 50px; width: auto; }
.logo-text { font-size: 0.7rem; color: var(--color-accent); font-weight: 600; letter-spacing: 0.05em; }
.nav-links { display: flex; gap: 8px; align-items: center; }
.nav-links a {
  color: var(--color-primary-dark);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  transition: background var(--transition), color var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  background: var(--color-bg-alt);
  color: var(--color-accent);
}
.nav-dropdown {
  position: relative;
  display: flex;
  align-items: center;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.nav-dropdown > a {
  padding: 0;
  display: flex;
  align-items: center;
  color: var(--color-primary-dark);
  font-weight: 600;
  font-size: 0.9rem;
}
.nav-dropdown:hover {
  background: var(--color-bg-alt);
}
.nav-dropdown:hover > a {
  color: var(--color-accent);
}
.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  padding: 8px 0;
  min-width: 220px;
  z-index: 100;
  margin-top: 0;
  padding-top: 12px;
}
/* Invisible bridge fills the gap so moving the mouse from the nav item
   into the dropdown doesn't lose hover and close the menu. */
.nav-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  height: 12px;
}
.nav-dropdown:hover .nav-dropdown-menu {
  display: block;
}
.nav-dropdown-menu a {
  display: block;
  padding: 12px 16px;
  color: var(--color-primary-dark);
  font-weight: 500;
  font-size: 0.9rem;
  transition: all var(--transition);
  border-radius: 0;
  background: transparent;
}
.nav-dropdown-menu a:first-child {
  border-top: none;
  padding-top: 12px;
  margin-top: 0;
}
.nav-dropdown-menu a:hover {
  background: var(--color-bg-alt);
  color: var(--color-accent);
  padding-left: 20px;
}
.nav-cta {
  background: var(--color-accent) !important;
  color: #fff !important;
  border-radius: var(--radius-sm) !important;
}
.nav-cta:hover {
  background: var(--color-accent-hover) !important;
  color: #fff !important;
}
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--color-primary-dark);
}
.mobile-toggle svg { width: 28px; height: 28px; }

/* --- Hero --- */
.hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  overflow: hidden;
  margin-top: calc(var(--header-height) + 34px);
  padding: 48px 0;
}
.hero-bg {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 0;
}
.hero-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(15,40,64,0.85) 0%, rgba(26,60,94,0.7) 100%);
}
.hero .container { position: relative; z-index: 1; }
.hero-content { max-width: 640px; color: #fff; }
.hero h1 { color: #fff; font-size: clamp(2.2rem, 5vw, 3.4rem); min-height: 100px; }
.hero .lead { color: rgba(255,255,255,0.9); font-size: 1.2rem; margin-bottom: 2rem; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.15); backdrop-filter: blur(6px);
  padding: 8px 16px; border-radius: 50px;
  font-size: 0.85rem; color: rgba(255,255,255,0.9);
  margin-bottom: 1.5rem;
}
.hero-badge svg { width: 16px; height: 16px; }
.hero-split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.hero-image { text-align: center; }
.hero-image img { max-height: 480px; margin: 0 auto; filter: drop-shadow(0 20px 40px rgba(0,0,0,0.3)); }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  text-align: center;
  line-height: 1.4;
}
.btn-primary {
  background: var(--color-accent);
  color: #fff;
}
.btn-primary:hover {
  background: var(--color-accent-hover);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(229,131,2,0.3);
}
.btn-outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: #fff;
  color: #fff;
}
.btn-white {
  background: #fff;
  color: var(--color-primary-dark);
}
.btn-white:hover {
  background: var(--color-bg-alt);
  color: var(--color-primary-dark);
  transform: translateY(-2px);
}
.btn-sm { padding: 10px 24px; font-size: 0.85rem; }
.btn-lg { padding: 18px 40px; font-size: 1.05rem; }
.btn svg { width: 18px; height: 18px; }

/* --- Cards --- */
.card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
  min-height: 100%;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  width: 56px; height: 56px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  background: var(--color-warm-light);
  color: var(--color-accent);
}
.card-icon svg { width: 28px; height: 28px; }
.card h3 { font-size: 1.2rem; }
.card p { color: var(--color-text-light); font-size: 0.95rem; }
.card-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--color-accent);
  color: #fff;
  margin-top: auto;
  flex-shrink: 0;
  transition: all var(--transition);
}
.card p {
  flex-grow: 1;
}
.card-arrow svg { width: 16px; height: 16px; }
.card:hover .card-arrow {
  background: var(--color-accent-hover);
  transform: translateX(4px);
}
.card-arrow-primary {
  background: var(--color-primary-dark) !important;
}
.card:hover .card-arrow-primary {
  background: var(--color-primary) !important;
  transform: translateX(4px);
}

/* Service cards with image */
.service-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.service-card-img {
  height: 200px;
  overflow: hidden;
}
.service-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.service-card:hover .service-card-img img {
  transform: scale(1.05);
}
.service-card-body {
  padding: 28px;
}
.service-card-body h3 { font-size: 1.15rem; margin-bottom: 0.75rem; }
.service-card-body p { font-size: 0.9rem; color: var(--color-text-light); }

/* --- Split Section (text + image side by side) --- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split-reverse { direction: rtl; }
.split-reverse > * { direction: ltr; }
.split-img { border-radius: var(--radius); overflow: hidden; }
.split-img img { width: 100%; border-radius: var(--radius); }

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  color: #fff;
  padding: 60px 0;
  text-align: center;
}
.cta-banner h2 { color: #fff; margin-bottom: 1rem; }
.cta-banner p { color: rgba(255,255,255,0.85); margin-bottom: 2rem; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* --- Stats --- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  text-align: center;
  justify-content: center;
  max-width: 800px;
  margin: 0 auto;
}
.stat-item h3 {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 500;
  color: var(--color-accent);
  margin-bottom: 4px;
}
.stat-item p { font-size: 0.9rem; color: var(--color-text-light); font-weight: 500; }

/* --- About / Bio Section --- */
.bio-section { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.bio-img { position: relative; }
.bio-img img { border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.bio-img-accent {
  position: absolute; bottom: -20px; right: -20px;
  width: 200px; height: 200px;
  border-radius: var(--radius);
  background: var(--color-accent);
  opacity: 0.1;
  z-index: -1;
}

/* --- Mortgage Calculator --- */
/* --- Hero Quiz --- */
.hero-quiz { display: flex; align-items: center; justify-content: center; }
.hero-quiz .quiz-wrapper {
  max-width: 560px;
  width: 100%;
  background: #fff;
  border-radius: var(--radius);
  padding: 36px 32px 28px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.18);
}
.hero-quiz .quiz-step h2 { color: var(--color-primary-dark); }
.hero-quiz .quiz-sub { color: var(--color-text-light); }
.hero-quiz .quiz-back { color: var(--color-text-muted); }
.hero-quiz .quiz-progress { margin-bottom: 32px; }

/* --- Calculator standalone section --- */
.calculator-section {
  max-width: 480px;
  margin: 0 auto;
}
.calculator-wrapper {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
}
.calculator-wrapper label {
  display: block;
  font-weight: 600;
  font-size: 0.8rem;
  margin-bottom: 4px;
  color: var(--color-primary-dark);
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.calculator-wrapper input[type="text"],
.calculator-wrapper input[type="number"],
.calculator-wrapper select {
  width: 100%;
  padding: 10px 12px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  transition: border-color var(--transition);
  background: #fff;
}
.calculator-wrapper input:focus,
.calculator-wrapper select:focus {
  outline: none;
  border-color: var(--color-accent);
}
.fred-rate-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #eef6ee;
  color: #2d6a2e;
  padding: 5px 12px;
  border-radius: 50px;
  font-size: 0.78rem;
  margin-bottom: 16px;
}
.fred-rate-badge svg { color: #2d6a2e; flex-shrink: 0; }
.fred-updated { opacity: 0.7; font-size: 0.72rem; }
.fred-credit {
  font-size: 0.7rem;
  color: var(--color-text-muted);
  margin: 12px 0 0;
  text-align: center;
}
.fred-credit a { color: var(--color-accent); text-decoration: underline; }
.calc-disclaimer {
  font-size: 0.68rem;
  color: var(--color-text-muted);
  margin: 8px 0 0;
  line-height: 1.4;
}
.calc-disclaimer a { color: var(--color-accent); }
.calc-result {
  background: var(--color-primary-dark);
  color: #fff;
  padding: 20px;
  border-radius: var(--radius-sm);
  text-align: center;
  margin-top: 16px;
}
.calc-result .amount {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 500;
}
.calc-result .label { font-size: 0.8rem; opacity: 0.8; }

/* --- Forms --- */
.form-section {
  background: var(--color-bg-alt);
  border-radius: var(--radius);
  padding: 48px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.85rem;
  margin-bottom: 6px;
  color: var(--color-primary-dark);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  transition: border-color var(--transition);
  background: #fff;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-accent);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group .checkbox-group { display: flex; flex-wrap: wrap; gap: 12px; }
.form-group .checkbox-group label {
  display: flex; align-items: center; gap: 8px;
  font-weight: 400; font-size: 0.9rem; cursor: pointer;
  padding: 8px 14px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.form-group .checkbox-group label:has(input:checked) {
  border-color: var(--color-accent);
  background: rgba(229,131,2,0.05);
}
.form-group .checkbox-group input[type="checkbox"] { width: auto; margin: 0; }
.form-success { display: none; text-align: center; padding: 3rem 0; }
.form-success.show { display: block; }
.form-success .success-icon {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--color-success);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.5rem; color: white;
}
.form-success h3 { margin-bottom: 0.5rem; color: var(--color-primary-dark); }
.form-success p { color: var(--color-text-light); }

/* --- Interactive Quiz --- */
.quiz-wrapper {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
  position: relative;
}
.quiz-progress {
  height: 6px;
  background: var(--color-border);
  border-radius: 3px;
  margin-bottom: 48px;
  overflow: hidden;
}
.quiz-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--color-accent), #f5a623);
  border-radius: 3px;
  transition: width 0.5s ease;
}
.quiz-icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 12px;
  color: var(--color-accent);
}
.quiz-icon svg { width: 100%; height: 100%; }
.quiz-option svg {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  color: var(--color-accent);
}
.quiz-summary {
  background: var(--color-bg-alt);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 20px auto 0;
  max-width: 480px;
  text-align: left;
}
.quiz-summary-item {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.93rem;
}
.quiz-summary-item:last-child { border-bottom: none; }
.quiz-summary-label { color: var(--color-text-muted); font-weight: 500; }
.quiz-summary-value { color: var(--color-primary-dark); font-weight: 600; }
.quiz-feedback {
  background: linear-gradient(135deg, rgba(229,131,2,0.08), rgba(26,60,94,0.06));
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 20px auto 0;
  max-width: 480px;
  text-align: left;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--color-text);
}
.quiz-step { display: none; animation: quizFadeIn 0.4s ease; }
.quiz-step.active { display: block; }
@keyframes quizFadeIn {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}
.quiz-step h2 {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--color-primary-dark);
  margin-bottom: 8px;
}
.quiz-sub {
  color: var(--color-text-light);
  font-size: 1.05rem;
  margin-bottom: 32px;
}
.quiz-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  max-width: 540px;
  margin: 0 auto;
}
.quiz-option {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 20px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius);
  background: #fff;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--color-text);
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: left;
}
.quiz-option:hover {
  border-color: var(--color-accent);
  background: rgba(229,131,2,0.04);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}
.quiz-option.selected {
  border-color: var(--color-accent);
  background: rgba(229,131,2,0.08);
}
.quiz-back {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 32px;
  background: none;
  border: none;
  color: var(--color-text-muted);
  font-size: 0.9rem;
  cursor: pointer;
  transition: color 0.2s;
}
.quiz-back:hover { color: var(--color-accent); }
.quiz-contact-form {
  max-width: 480px;
  margin: 0 auto;
  text-align: left;
}
.quiz-contact-form .form-group textarea { min-height: 80px; }
.quiz-success { padding: 2rem 0; }
.quiz-success h2 {
  font-family: var(--font-display);
  color: var(--color-primary-dark);
  font-size: 1.8rem;
  margin-bottom: 16px;
}
.quiz-success-text {
  font-size: 1.1rem;
  color: var(--color-text-light);
  margin-bottom: 8px;
}
.quiz-next-steps {
  background: var(--color-bg-alt);
  border-radius: var(--radius);
  padding: 32px;
  margin-top: 24px;
  text-align: left;
}
.quiz-next-steps h3 {
  font-size: 1rem;
  color: var(--color-primary-dark);
  margin-bottom: 20px;
  text-align: center;
}
.quiz-next-step {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 16px;
  font-size: 0.95rem;
  color: var(--color-text);
}
.quiz-next-step:last-child { margin-bottom: 0; }
.step-num {
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  background: var(--color-accent);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
}
@keyframes confettiFall {
  0% { transform: translateY(-20px) rotate(0deg); opacity: 1; }
  100% { transform: translateY(120px) rotate(720deg); opacity: 0; }
}
.confetti-piece {
  position: absolute;
  width: 8px;
  height: 8px;
  border-radius: 2px;
  animation: confettiFall 2s ease-out forwards;
}
@media (max-width: 600px) {
  .quiz-options { grid-template-columns: 1fr; }
  .quiz-step h2 { font-size: 1.4rem; }
  .quiz-icon { width: 40px; height: 40px; }
  .quiz-contact-form .form-row { grid-template-columns: 1fr; }
}

/* --- Page Hero (inner pages) --- */
.page-hero {
  position: relative;
  padding: 100px 0 60px;
  margin-top: calc(var(--header-height) + 34px);
  overflow: hidden;
}
.page-hero-bg {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
}
.page-hero-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(15,40,64,0.88) 0%, rgba(26,60,94,0.75) 100%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; margin-bottom: 0.5rem; }
.page-hero .lead { color: rgba(255,255,255,0.85); }

/* --- Feature List --- */
.feature-list { list-style: none; padding: 0; }
.feature-list li {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 12px 0;
  border-bottom: 1px solid var(--color-border);
}
.feature-list li:last-child { border-bottom: none; }
.feature-list li svg {
  flex-shrink: 0;
  width: 22px; height: 22px;
  color: var(--color-accent);
  margin-top: 2px;
}

/* --- Alternating Content Sections --- */
.content-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  padding: 64px 0;
  border-bottom: 1px solid var(--color-border);
}
.content-block:last-child { border-bottom: none; }
.content-block:nth-child(even) { direction: rtl; }
.content-block:nth-child(even) > * { direction: ltr; }
.content-block-img {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.content-block-img img { width: 100%; }

/* --- Footer --- */
.site-footer {
  background: var(--color-primary-dark);
  color: rgba(255,255,255,0.8);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand h3 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 400;
  color: #fff;
  margin-bottom: 12px;
}
.footer-brand p { font-size: 0.9rem; margin-bottom: 16px; }
.footer-nmls { font-size: 0.82rem; opacity: 0.7; }
.footer-col h4 {
  color: #fff;
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 1.1rem;
  margin-bottom: 16px;
}
.footer-col a {
  display: block;
  color: rgba(255,255,255,0.7);
  padding: 4px 0;
  font-size: 0.9rem;
}
.footer-col a:hover { color: var(--color-accent); }
.footer-contact-item {
  display: flex; gap: 12px; align-items: center;
  margin-bottom: 12px;
}
.footer-contact-item svg { width: 18px; height: 18px; flex-shrink: 0; color: var(--color-accent); }
.footer-contact-item a { display: inline; }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  width: 40px; height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
}
.footer-social a:hover {
  background: var(--color-accent);
  border-color: var(--color-accent);
  color: #fff;
}
.footer-social a svg { width: 18px; height: 18px; }
.footer-bottom {
  padding: 20px 0;
  font-size: 0.78rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,0.6); }
.footer-bottom a:hover { color: var(--color-accent); }
.footer-ehl { display: flex; align-items: center; gap: 8px; }
.footer-ehl img { height: 24px; width: auto; }

/* --- Mobile Nav --- */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(0,0,0,0.5);
  z-index: 9999;
}
.mobile-nav.open { display: block; }
.mobile-nav-panel {
  position: absolute;
  top: 0; right: 0;
  width: 300px; max-width: 85vw;
  height: 100%;
  background: #fff;
  padding: 24px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.3s ease;
}
.mobile-nav.open .mobile-nav-panel { transform: translateX(0); }
.mobile-nav-close {
  position: absolute; top: 16px; right: 16px;
  background: none; border: none; cursor: pointer;
  padding: 8px; color: var(--color-text);
}
.mobile-nav-close svg { width: 24px; height: 24px; }
.mobile-nav-links {
  margin-top: 48px;
  display: flex; flex-direction: column;
}
.mobile-nav-links a {
  display: block;
  padding: 14px 0;
  color: var(--color-primary-dark);
  font-weight: 600;
  font-size: 1.05rem;
  border-bottom: 1px solid var(--color-border);
}
.mobile-nav-links a:last-child { border-bottom: none; }
.mobile-nav-links .btn {
  margin-top: 16px;
  justify-content: center;
}

/* --- reCAPTCHA --- */
.grecaptcha-badge { visibility: hidden; }

/* --- Blog --- */

/* Blog Hero */
.blog-hero {
  background: var(--color-primary);
  padding: 5rem 1.5rem 4rem;
  text-align: center;
  margin-top: calc(var(--header-height) + 34px);
}
.blog-hero-eyebrow {
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 400;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--color-accent);
  margin-bottom: 0.75rem;
}
.blog-hero h1 {
  font-family: var(--font-sans);
  font-size: clamp(2rem, 5vw, 3.2rem);
  color: #fff;
  font-weight: 700;
  margin: 0 0 1rem;
}
.blog-hero p {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: rgba(255,255,255,0.78);
  max-width: 500px;
  margin: 0 auto;
  line-height: 1.75;
}

/* Blog Layout */
.blog-wrap {
  max-width: 1160px;
  margin: 0 auto;
  padding: 4rem 1.5rem 5rem;
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 3rem;
  align-items: start;
}

/* Post Grid */
.post-grid {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

/* Featured Post */
.post-featured {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 2px 20px rgba(0,0,0,0.08);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
  text-decoration: none;
  transition: box-shadow 0.25s, transform 0.25s;
}
.post-featured:hover {
  box-shadow: 0 8px 40px rgba(0,0,0,0.14);
  transform: translateY(-3px);
}
.post-featured-img {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  min-height: 220px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
}
.post-featured-body {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.post-badge {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent);
  background: var(--color-primary);
  padding: 0.25rem 0.65rem;
  border-radius: 999px;
  margin-bottom: 0.75rem;
  width: fit-content;
}
.post-featured-title {
  font-family: var(--font-sans);
  font-size: 1.4rem;
  color: var(--color-primary-dark);
  margin: 0 0 0.6rem;
  font-weight: 700;
  line-height: 1.3;
}
.post-featured-excerpt {
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: var(--color-text-light);
  line-height: 1.7;
  margin: 0 0 1.25rem;
}
.post-meta {
  font-family: var(--font-sans);
  font-size: 0.76rem;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.post-meta-dot {
  width: 3px;
  height: 3px;
  border-radius: 50%;
  background: var(--color-text-muted);
}

/* Post Cards */
.post-card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.07);
  overflow: hidden;
  display: grid;
  grid-template-columns: 100px 1fr;
  text-decoration: none;
  transition: box-shadow 0.25s, transform 0.25s;
}
.post-card:hover {
  box-shadow: 0 6px 28px rgba(0,0,0,0.12);
  transform: translateY(-2px);
}
.post-card-thumb {
  background: linear-gradient(135deg, #e8f0f8 0%, #d0dfe8 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  min-height: 100px;
}
.post-card-body {
  padding: 1rem 1.25rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.post-card-cat {
  font-family: var(--font-display);
  font-size: 0.68rem;
  font-weight: 400;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
  margin-bottom: 0.3rem;
}
.post-card-title {
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--color-primary-dark);
  margin: 0 0 0.35rem;
  font-weight: 600;
  line-height: 1.35;
}
.post-card-meta {
  font-family: var(--font-sans);
  font-size: 0.73rem;
  color: var(--color-text-muted);
}

/* Blog Sidebar */
.blog-sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.sidebar-card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.07);
  overflow: hidden;
}
.sidebar-head {
  background: var(--color-primary);
  padding: 0.85rem 1.25rem;
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 400;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-accent);
}
.sidebar-body {
  padding: 1.25rem;
}
.category-list { list-style: none; padding: 0; margin: 0; }
.category-list li {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.6rem 0; border-bottom: 1px solid #e8ecef;
}
.category-list li:last-child { border-bottom: none; }
.category-list a {
  display: flex; justify-content: space-between; align-items: center; width: 100%;
  font-family: var(--font-sans); font-size: 0.86rem; color: var(--color-primary-dark);
  text-decoration: none; font-weight: 600; transition: color 0.2s;
}
.category-list a:hover { color: var(--color-accent); }
.category-list a.active { color: var(--color-accent); font-weight: 700; }
.category-count {
  font-family: var(--font-sans); font-size: 0.75rem; background: #f0f4f8;
  color: var(--color-primary); font-weight: 700; padding: 0.15rem 0.5rem;
  border-radius: 999px;
}
.sidebar-link {
  display: block;
  padding: 0.5rem 0;
  font-family: var(--font-sans);
  font-size: 0.86rem;
  color: var(--color-primary-dark);
  font-weight: 600;
  border-bottom: 1px solid var(--color-border);
  text-decoration: none;
  transition: color 0.2s;
}
.sidebar-link:last-child { border-bottom: none; }
.sidebar-link:hover { color: var(--color-accent); }
.sidebar-cta {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  border-radius: 14px;
  padding: 1.5rem;
  text-align: center;
}
.sidebar-cta-title {
  font-family: var(--font-sans);
  font-size: 1.15rem;
  color: #fff;
  margin: 0 0 0.5rem;
  font-weight: 700;
}
.sidebar-cta p {
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.65;
  margin: 0 0 1.25rem;
}
.sidebar-cta a {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  font-weight: 700;
  background: var(--color-accent);
  color: #fff;
  padding: 0.6rem 1.5rem;
  border-radius: 8px;
  text-decoration: none;
  transition: all 0.2s;
}
.sidebar-cta a:hover {
  background: var(--color-accent-hover);
  color: #fff;
}

/* Blog Post Hero */
.blog-post-hero {
  position: relative;
  min-height: 380px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background: var(--color-primary);
  margin-top: calc(var(--header-height) + 34px);
}
.blog-post-hero img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.3;
}
.blog-post-hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  padding: 3rem 1.5rem;
  max-width: 720px;
}
.blog-post-cat {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.7rem;
  font-weight: 400;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--color-accent);
  background: rgba(0,0,0,0.3);
  padding: 0.3rem 0.85rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.blog-post-hero h1 {
  font-family: var(--font-sans);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  color: #fff;
  font-weight: 700;
  line-height: 1.2;
  margin: 0 0 1rem;
}
.blog-post-hero .post-meta {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  justify-content: center;
  gap: 0.75rem;
}
.blog-post-hero .post-meta-dot {
  background: rgba(255,255,255,0.4);
  width: 4px;
  height: 4px;
}

/* Blog Article Body */
.blog-post-wrap {
  max-width: 1160px;
  margin: 0 auto;
  padding: 3rem 1.5rem 5rem;
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 3rem;
  align-items: start;
}
.blog-article {
  font-family: var(--font-sans);
  font-size: 1rem;
  color: var(--color-text);
  line-height: 1.85;
}
.blog-article h2 {
  font-family: var(--font-sans);
  font-size: clamp(1.3rem, 2.5vw, 1.75rem);
  color: var(--color-primary-dark);
  margin: 2.5rem 0 0.75rem;
  line-height: 1.25;
}
.blog-article h3 {
  font-family: var(--font-sans);
  font-size: 1.15rem;
  color: var(--color-primary-dark);
  margin: 1.75rem 0 0.5rem;
}
.blog-article p { margin: 0 0 1.25rem; }
.blog-article ul, .blog-article ol {
  margin: 0 0 1.25rem;
  padding-left: 1.25rem;
  list-style: disc;
}
.blog-article ol { list-style: decimal; }
.blog-article li {
  margin-bottom: 0.45rem;
  line-height: 1.7;
}
.blog-article strong { color: var(--color-primary-dark); }

/* Blog CTA Banner */
.blog-cta-banner {
  background: var(--color-primary);
  border-radius: 12px;
  padding: 2rem;
  text-align: center;
  margin: 2.5rem 0 0;
}
.blog-cta-banner h3 {
  font-family: var(--font-sans);
  font-size: 1.4rem;
  color: #fff;
  margin: 0 0 0.5rem;
}
.blog-cta-banner p {
  font-family: var(--font-sans);
  font-size: 0.9rem;
  color: rgba(255,255,255,0.75);
  margin: 0 0 1.25rem;
  line-height: 1.6;
}
.blog-cta-banner .btn { font-size: 0.85rem; }

/* Breadcrumb */
.breadcrumb {
  background: var(--color-bg-alt);
  padding: 0.85rem 1.5rem;
  margin-top: calc(var(--header-height) + 34px);
  border-bottom: 1px solid var(--color-border);
}
.breadcrumb-inner {
  max-width: 1160px;
  margin: 0 auto;
  font-family: var(--font-sans);
  font-size: 0.82rem;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.breadcrumb-inner a {
  color: var(--color-primary);
  text-decoration: none;
  font-weight: 600;
}
.breadcrumb-inner a:hover { color: var(--color-accent); }
.breadcrumb-sep { color: var(--color-text-muted); }
.breadcrumb + .blog-post-hero { margin-top: 0; }

/* Blog Responsive */
@media (max-width: 860px) {
  .blog-wrap { grid-template-columns: 1fr; padding: 2.5rem 1.25rem 4rem; }
  .blog-sidebar { order: -1; }
  .blog-post-wrap { grid-template-columns: 1fr; padding: 2rem 1.25rem 4rem; }
}
@media (max-width: 600px) {
  .post-featured { grid-template-columns: 1fr; }
  .blog-post-hero { min-height: 300px; }
  .blog-post-hero h1 { font-size: 1.6rem; }
  .blog-hero { padding: 4rem 1.25rem 3rem; }
}

/* --- Resources Section --- */
.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-bottom: 16px;
}

.resource-category {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}

.resource-category:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.resource-category-header {
  text-align: center;
  margin-bottom: 24px;
}

.resource-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  background: var(--color-warm-light);
  color: var(--color-accent);
}

.resource-icon svg {
  width: 24px;
  height: 24px;
}

.resource-category h3 {
  font-size: 1.1rem;
  color: var(--color-primary-dark);
  margin: 0;
  text-align: center;
}

.resource-links {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.resource-links a {
  display: block;
  color: var(--color-text);
  font-size: 0.85rem;
  font-weight: 500;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--color-border);
  transition: all var(--transition);
  text-decoration: none;
  line-height: 1.3;
}

.resource-links a:hover {
  background: var(--color-warm-light);
  border-color: var(--color-accent);
  color: var(--color-primary-dark);
  transform: translateX(4px);
}

@media (max-width: 768px) {
  .resources-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  
  .resource-category {
    padding: 24px 20px;
  }
}

@media (max-width: 1024px) {
  .resources-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-row { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .nav-links { display: none; }
  .mobile-toggle { display: block; }
  .hero { min-height: 480px; margin-top: calc(var(--header-height) + 34px); }
  .hero h1 { min-height: 80px; }
  .hero-split { grid-template-columns: 1fr; gap: 24px; }
  .hero-image { display: none; }
  .hero-quiz { order: -1; }
  .hero-quiz .quiz-wrapper { max-width: 100%; padding: 28px 20px 20px; }
  .split, .bio-section, .content-block { grid-template-columns: 1fr; gap: 32px; }
  .split-reverse, .content-block:nth-child(even) { direction: ltr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: 1fr; gap: 24px; max-width: 300px; }
  .form-row { grid-template-columns: 1fr; }
  .form-section { padding: 32px 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .page-hero { padding: 70px 0 40px; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .bio-img-accent { display: none; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero { min-height: 400px; }
  .card { padding: 24px; }
  .btn-lg { padding: 14px 28px; font-size: 0.95rem; }
}

/* TCPA consent block (lead forms) */
.form-consent {
  display: flex; gap: 10px; align-items: flex-start;
  background: var(--color-bg-alt); border: 1px solid var(--color-border);
  border-radius: var(--radius-sm); padding: 12px 14px; margin: 4px 0 16px;
}
.form-consent input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--color-accent); flex: 0 0 auto; }
.form-consent label { font-size: 0.72rem; line-height: 1.5; color: var(--color-text-light); }
.form-consent a { color: var(--color-primary); }