@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');
/* EZ Mortgage Broker Clone - Main Stylesheet */

/* =========================================
   CSS Variables / Design Tokens
   ========================================= */
:root {
  --primary: #1b4f2a;
  --primary-light: #2d7a44;
  --primary-dark: #0f3018;
  --brand-blue: rgb(34, 74, 145);
  --accent: #f5a623;
  --accent-hover: #e09010;
  --text-dark: #1a1a2e;
  --text-mid: #444444;
  --text-light: #777777;
  --bg-white: #ffffff;
  --bg-light: #f7f9f7;
  --bg-green-light: #e8f4ed;
  --border: #d9e8de;
  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.08);
  --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.12);
  --shadow-lg: 0 8px 40px rgba(0, 0, 0, 0.15);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --transition: 0.3s ease;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

a {
  text-decoration: none;
  color: inherit;
  transition: color var(--transition);
}

ul {
  list-style: none;
}

/* =========================================
   Typography
   ========================================= */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  line-height: 1.25;
  color: var(--text-dark);
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.2rem; }

p {
  color: var(--text-mid);
  margin-bottom: 1rem;
}

.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--primary-light);
  margin-bottom: 0.75rem;
}

.section-title {
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-mid);
  max-width: 600px;
}

/* =========================================
   Layout / Container
   ========================================= */
.container {
  width: 100%;
  max-width: 1420px;
  margin: 0 auto;
  padding: 0 clamp(16px, 3vw, 32px);
}

.section-pad {
  padding: 80px 0;
}

.services-section {
  padding-top: 40px;
}

.section-pad-sm {
  padding: 56px 0;
}

.text-center {
  text-align: center;
}

.text-center .section-subtitle {
  margin: 0 auto;
}

/* =========================================
   Buttons
   ========================================= */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 700;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--brand-blue);
  color: #fff;
  border-color: var(--brand-blue);
}

.btn-primary:hover {
  background: #193b76;
  border-color: #193b76;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}

.btn-outline:hover {
  background: var(--primary);
  color: #fff;
  transform: translateY(-2px);
}

.btn-white {
  background: #fff;
  color: var(--brand-blue);
  border: 2px solid var(--brand-blue);
}

.btn-white:hover {
  background: var(--brand-blue);
  border-color: var(--brand-blue);
  color: #fff;
  transform: translateY(-2px);
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}

/* =========================================
   Header / Navigation
   ========================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--bg-white);
  box-shadow: var(--shadow-sm);
}

.header-top {
  background: var(--brand-blue);
  padding: 6px 0;
}

.header-top-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  min-height: 28px;
  flex-wrap: nowrap;
  overflow: hidden;
}

.breaking-news-ticker {
  display: flex;
  min-width: 0;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-size: 0.88rem;
  flex: 1 1 auto;
  white-space: nowrap;
  overflow: hidden;
}

.breaking-news-badge {
  background: #ffdc4a !important;
  color: #0f2b48 !important;
  padding: 3px 8px !important;
  border-radius: 4px !important;
  font-weight: 900 !important;
  font-size: 0.76rem !important;
  letter-spacing: 0.04em !important;
  text-transform: uppercase !important;
  animation: breaking-news-pulse 1.5s ease-in-out infinite !important;
  flex-shrink: 0 !important;
  display: inline-flex !important;
  align-items: center !important;
  box-shadow: 0 2px 8px rgba(255, 220, 74, 0.45) !important;
}

@keyframes breaking-news-pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.04); opacity: 0.85; }
}

.breaking-news-title {
  color: #ffffff !important;
  font-size: 0.85rem !important;
  font-weight: 600 !important;
  text-decoration: none !important;
  overflow: hidden !important;
  text-overflow: ellipsis !important;
  white-space: nowrap !important;
  transition: opacity 0.3s ease, transform 0.3s ease !important;
}

.breaking-news-title:hover {
  color: #ffdc4a !important;
  text-decoration: underline !important;
}

.header-contact-group {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 14px;
  flex: 0 0 auto;
  flex-direction: row;
  flex-wrap: nowrap;
  white-space: nowrap;
}

.header-contact-group a,
.header-contact-group span {
  color: #ffffff !important;
  font-size: 0.82rem !important;
  font-weight: 600 !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 4px !important;
  text-shadow: 0 1px 2px rgba(0,0,0,0.2) !important;
}

.header-top-inner a {
  color: #fff;
  font-size: 0.8rem;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  transition: color var(--transition);
}

.header-top-inner a svg {
  display: block;
  width: 14px !important;
  height: 14px !important;
  color: #fff !important;
  fill: #fff !important;
  stroke: #fff !important;
}

.header-top-inner a[href^="tel:"] svg,
.header-top-inner a[href^="mailto:"] svg {
  display: none !important;
}

.header-contact-icon {
  display: inline-flex;
  width: 16px;
  height: 16px;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-family: Arial, sans-serif;
  font-size: 15px;
  line-height: 1;
  flex: 0 0 16px;
}

.header-top-inner a:hover {
  color: #fff;
  opacity: 0.8;
}

.header-main {
  padding: 0;
  min-height: 62px;
}

.header-cta .btn {
  min-height: 42px;
  padding: 9px 20px;
  font-size: 0.9rem;
}

.btn-search {
  min-height: 42px;
  width: auto;
  padding: 9px 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
}

.btn-search span {
  font-size: 0.9rem;
  font-weight: 700;
}

.btn-search:hover {
  background: var(--primary);
  color: #fff;
}

/* Search Overlay */
.search-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  z-index: 3000;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 80px;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
}

.search-overlay.open {
  opacity: 1;
  visibility: visible;
}

.search-overlay-content {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  width: min(640px, 92%);
  max-height: 70vh;
  overflow-y: auto;
  padding: 28px 32px;
  box-shadow: var(--shadow-lg);
  transform: translateY(-20px);
  transition: transform var(--transition);
}

.search-overlay.open .search-overlay-content {
  transform: translateY(0);
}

.search-overlay-close {
  float: right;
  width: 36px;
  height: 36px;
  border: none;
  background: none;
  font-size: 2rem;
  line-height: 1;
  cursor: pointer;
  color: var(--text-mid);
  border-radius: var(--radius-sm);
}

.search-overlay-close:hover {
  background: var(--bg-light);
}

.search-overlay-input-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 10px 16px;
  margin-top: 12px;
}

.search-overlay-input-wrap svg {
  flex: 0 0 auto;
  color: var(--text-light);
}

.search-overlay-input-wrap input {
  flex: 1;
  border: none;
  outline: none;
  font-size: 1.1rem;
  font-family: var(--font-body);
  color: var(--text-dark);
  background: transparent;
}

.search-overlay-results {
  margin-top: 20px;
}

.search-hint {
  color: var(--text-light);
  font-size: 0.9rem;
  text-align: center;
}

.search-result-item {
  display: block;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  border-bottom: 1px solid var(--border);
  transition: background var(--transition);
}

.search-result-item:hover {
  background: var(--bg-light);
}

.search-result-item h4 {
  font-size: 1rem;
  margin-bottom: 4px;
  color: var(--brand-blue);
}

.search-result-item p {
  font-size: 0.85rem;
  color: var(--text-mid);
  margin: 0;
}

/* Scroll to Top */
.scroll-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 52px;
  height: 52px;
  border: none;
  border-radius: 50%;
  background: #1e40af;
  color: #fff;
  font-size: 1.65rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all var(--transition);
}

.scroll-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.scroll-to-top:hover {
  background: #1e3a8a;
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(16px, 3vw, 32px);
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

@media (min-width: 769px) {
  .site-header .logo {
    transform: translateX(-72px);
  }
}

.brand-logo {
  width: clamp(180px, 16vw, 220px);
  height: clamp(60px, 5.5vw, 70px);
  object-fit: contain;
  object-position: center;
}

.logo-icon {
  width: 44px;
  height: 44px;
  background: var(--primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.3rem;
  font-weight: 900;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-name {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 900;
  color: var(--primary);
}

.logo-tagline {
  font-size: 0.68rem;
  color: var(--text-light);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nav-primary {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-primary > li {
  position: relative;
}

.nav-primary > li > a {
  padding: 6px 10px;
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--text-dark);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  gap: 4px;
  white-space: nowrap;
  transition: all var(--transition);
}

.nav-primary > li > a:hover,
.nav-primary > li > a.active {
  color: var(--brand-blue);
  background: #eef1f5;
}

.nav-primary > li > a svg {
  transition: transform var(--transition);
}

.nav-primary > li:hover > a svg {
  transform: rotate(180deg);
}

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition);
  z-index: 200;
}

.nav-primary > li:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(4px);
}

.calculator-mega-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  display: grid;
  grid-template-columns: repeat(3, minmax(190px, 1fr));
  gap: 26px 32px;
  width: min(930px, calc(100vw - 40px));
  padding: 26px 30px;
  background: #fff;
  border: 1px solid #d8e1ef;
  border-radius: 10px;
  box-shadow: 0 18px 45px rgba(16, 39, 75, 0.18);
  opacity: 0;
  visibility: hidden;
  transform: translate(-50%, 8px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
  z-index: 210;
}

.nav-calculators:hover .calculator-mega-menu,
.nav-calculators:focus-within .calculator-mega-menu {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 0);
}

.calculator-menu-group h3 {
  padding-bottom: 8px;
  border-bottom: 2px solid #d9e2ef;
  color: var(--brand-blue);
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.04em;
  line-height: 1.2;
  text-transform: uppercase;
}

.calculator-menu-group a {
  display: block;
  padding: 8px 0;
  color: #42516b;
  font-size: 0.82rem;
  font-weight: 700;
  line-height: 1.35;
}

.calculator-menu-group a:hover {
  color: var(--brand-blue);
}

.nav-dropdown a {
  display: block;
  padding: 10px 14px;
  font-size: 0.88rem;
  color: var(--text-mid);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}

.nav-dropdown a:hover {
  background: var(--bg-green-light);
  color: var(--primary);
  padding-left: 18px;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
  border: none;
  background: none;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-dark);
  transition: all var(--transition);
  border-radius: 2px;
}

/* =========================================
   Hero Section
   ========================================= */
.hero {
  background-color: var(--bg-white);
  background-image: url('../images/headers/marquee-background-1600x500-1.webp');
  background-position: center top;
  background-repeat: no-repeat;
  background-size: cover;
  position: relative;
  overflow: hidden;
  margin-top: 12px;
  min-height: 430px;
  display: flex;
  align-items: center;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(255, 255, 255, 0.94) 0%, rgba(255, 255, 255, 0.78) 52%, rgba(255, 255, 255, 0.52) 100%);
  z-index: 0;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: transparent;
  z-index: 0;
  pointer-events: none;
}

.hero-shapes {
  display: none;
}

.hero-shape {
  position: absolute;
  border-radius: 50%;
  background: rgba(27,79,42,0.04);
}

.hero-shape-1 {
  width: 400px;
  height: 400px;
  top: -100px;
  right: -80px;
}

.hero-shape-2 {
  width: 250px;
  height: 250px;
  bottom: -60px;
  right: 20%;
}

.hero-shape-3 {
  width: 180px;
  height: 180px;
  top: 10%;
  left: 10%;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(28px, 5vw, 60px);
  align-items: center;
  padding: 26px 0;
}

.hero-content {
  color: var(--text-dark);
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  border: 1px solid var(--brand-blue);
  color: var(--brand-blue);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
  letter-spacing: 0.05em;
}

.hero-badge svg {
  color: var(--accent);
  fill: var(--accent);
}

.hero h1 {
  color: var(--text-dark);
  margin-bottom: 20px;
  font-size: clamp(2rem, 4vw, 3.75rem);
}

.typing-word {
  display: inline-block;
  min-width: 4.2ch;
  color: var(--brand-blue) !important;
  border-right: 2px solid currentColor;
  animation: typing-caret 0.8s steps(1) infinite;
}

.typing-word-business {
  color: var(--brand-blue) !important;
}

.typing-word-personal {
  color: var(--brand-blue) !important;
}

@keyframes typing-caret {
  50% { border-color: transparent; }
}

.hero-lead {
  font-size: clamp(0.95rem, 1.25vw, 1.1rem);
  color: var(--text-dark);
  margin-bottom: 32px;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-actions .btn-primary {
  color: #fff;
}

.hero-actions .btn {
  justify-content: center;
}

.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid rgba(26,26,46,0.15);
}

.hero-stat-item {
  text-align: left;
}

.hero-stat-number {
  font-size: 1.75rem;
  font-weight: 900;
  color: var(--brand-blue);
  font-family: var(--font-heading);
  line-height: 1;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: var(--text-dark);
  margin-top: 4px;
}

.hero-stat-footnote {
  max-width: 490px;
  margin: 12px 0 0;
  color: var(--text-light);
  font-size: 0.66rem;
  line-height: 1.4;
}

.hero-stat-footnote a {
  color: var(--brand-blue);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.about-stat-footnote {
  max-width: 700px;
  margin: 24px auto 0;
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.68rem;
  line-height: 1.4;
  text-align: center;
}

.about-stat-footnote a {
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* Hero Card */
.hero-card-wrap {
  display: flex;
  justify-content: center;
  padding-bottom: 10%;
}

.hero-card {
  background: rgba(255, 255, 255, 0.92);
  border-radius: var(--radius-lg);
  padding: 22px 28px;
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: min(400px, 100%);
  backdrop-filter: blur(6px);
}

.hero-card-title {
  font-size: 1.3rem;
  font-family: var(--font-heading);
  color: var(--brand-blue);
  margin-bottom: 12px;
  text-align: center;
}

.hero-card-form {
  display: flex;
  flex-direction: column;
  gap: 9px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.form-group label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-mid);
}

.form-group input,
.form-group select {
  padding: 9px 12px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--bg-white);
  transition: border-color var(--transition);
  width: 100%;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary-light);
  box-shadow: 0 0 0 3px rgba(45, 122, 68, 0.1);
}

.phone-input {
  display: grid;
  grid-template-columns: minmax(92px, 0.35fr) 1fr;
  gap: 8px;
}

.phone-input select,
.phone-input input {
  min-width: 0;
}

.hero-card .btn {
  width: 100%;
  justify-content: center;
  margin-top: 4px;
}

.hero-card-note {
  font-size: 0.75rem;
  color: var(--text-light);
  text-align: center;
  margin-top: 8px;
  margin-bottom: 0;
}

/* =========================================
   Lender Logo Carousel
   ========================================= */
.lender-bar {
  background-color: var(--bg-white);
  background-image: none;
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
  position: relative;
  z-index: 2;
  margin-top: 0;
}

.lender-bar .container {
  max-width: none;
  padding-left: 32px;
  padding-right: 32px;
}

.lender-carousel {
  display: block;
  overflow: hidden;
}

.lender-carousel-track {
  display: flex;
  width: max-content;
  gap: 16px;
  animation: lender-logo-scroll 55s linear infinite;
  will-change: transform;
}

@keyframes lender-logo-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(calc(-50% - 8px)); }
}

.lender-carousel:hover .lender-carousel-track,
.lender-carousel:focus-within .lender-carousel-track {
  animation-play-state: paused;
}

.lender-logo {
  min-height: 84px;
  min-width: 150px;
  padding: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  flex-direction: column;
  border: 0;
  border-radius: 0;
  background: transparent;
  scroll-snap-align: start;
}

.lender-logo img {
  width: 230px;
  height: 74px;
  object-fit: contain;
}

.lender-logo span {
  color: var(--text-mid);
  font-size: 0.75rem;
  font-weight: 700;
  white-space: nowrap;
}

.lender-carousel-button {
  width: 40px;
  height: 40px;
  border: 1px solid var(--brand-blue);
  border-radius: 50%;
  background: var(--brand-blue);
  color: #fff;
  font-size: 1.8rem;
  line-height: 1;
  cursor: pointer;
}

/* =========================================
   Trust Bar
   ========================================= */
.trust-bar {
  background: var(--brand-blue);
  border-bottom: 1px solid var(--brand-blue);
  padding: 14px 0;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 40px;
  flex-wrap: nowrap;
  overflow-x: auto;
  scrollbar-width: none;
}

.trust-bar-inner::-webkit-scrollbar {
  display: none;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 600;
  color: #fff;
  flex: 0 0 auto;
}

.trust-icon {
  width: 42px;
  height: 42px;
  background: #eef1f5;
  border: 1px solid #eef1f5;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand-blue);
  font-size: 0.9rem;
  flex-shrink: 0;
}

/* =========================================
   Benefits Section
   ========================================= */
.benefits-section {
  position: relative;
  overflow: hidden;
  padding: 32px 0 34px;
  background: var(--brand-blue);
  color: #fff;
}

.benefits-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(135deg, rgba(255, 255, 255, 0.1) 1px, transparent 1px);
  background-size: 28px 28px;
  opacity: 0.32;
  pointer-events: none;
}

.benefits-section::after {
  content: '';
  position: absolute;
  top: -180px;
  right: -100px;
  width: 420px;
  height: 420px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 50%;
  box-shadow: 0 0 0 22px rgba(255, 255, 255, 0.035), 0 0 0 44px rgba(255, 255, 255, 0.025);
  pointer-events: none;
}

.benefits-section > .container {
  position: relative;
  z-index: 1;
}

.benefits-section .section-label {
  color: #ffdc4a;
}

.benefits-section .section-title,
.benefits-section .benefit-item h3 {
  color: #ffffff !important;
}

.benefits-section .benefit-item p {
  color: #FED7AA !important; /* Light orange for high readability */
  font-weight: 500;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 18px;
  margin-top: 22px;
}

.benefit-item {
  position: relative;
  text-align: center;
  animation: benefit-item-rise 700ms both;
  transition: transform var(--transition);
}

.benefit-item:nth-child(2) { animation-delay: 90ms; }
.benefit-item:nth-child(3) { animation-delay: 180ms; }
.benefit-item:nth-child(4) { animation-delay: 270ms; }
.benefit-item:nth-child(5) { animation-delay: 360ms; }

.benefit-item::after {
  content: '';
  position: absolute;
  left: 50%;
  bottom: -12px;
  width: 34px;
  height: 3px;
  border-radius: 99px;
  background: #ffdc4a;
  opacity: 0;
  transform: translateX(-50%) scaleX(0.4);
  transition: opacity var(--transition), transform var(--transition);
}

.benefit-item:hover,
.benefit-item:focus-within {
  transform: translateY(-4px);
}

.benefit-item:hover::after,
.benefit-item:focus-within::after {
  opacity: 1;
  transform: translateX(-50%) scaleX(1);
}

.benefit-icon {
  position: relative;
  overflow: hidden;
  width: 64px;
  height: 64px;
  display: grid;
  place-items: center;
  margin: 0 auto 12px;
  border-radius: var(--radius-md);
  background: #fff;
  color: var(--brand-blue);
  font-size: 2rem;
  font-weight: 900;
  line-height: 1;
  transform-style: preserve-3d;
  transition: transform 0.75s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow var(--transition);
}

.benefit-icon::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, transparent 30%, rgba(255, 255, 255, 0.8) 50%, transparent 70%);
  transform: translateX(-130%);
  animation: benefit-icon-shine 6s ease-in-out infinite;
  pointer-events: none;
}

.benefit-item:nth-child(2) .benefit-icon::after { animation-delay: 1.2s; }
.benefit-item:nth-child(3) .benefit-icon::after { animation-delay: 2.4s; }
.benefit-item:nth-child(4) .benefit-icon::after { animation-delay: 3.6s; }
.benefit-item:nth-child(5) .benefit-icon::after { animation-delay: 4.8s; }

@keyframes benefit-icon-shine {
  0%, 18% { transform: translateX(-130%); }
  38%, 100% { transform: translateX(130%); }
}

@keyframes benefit-item-rise {
  from {
    opacity: 0;
    transform: translateY(14px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.benefit-item:hover .benefit-icon,
.benefit-item:focus-within .benefit-icon {
  transform: rotateY(360deg) scale(1.08);
  box-shadow: 0 10px 22px rgba(0, 0, 0, 0.16);
}

.benefit-item h3 {
  color: #ffffff !important;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 6px;
}

.benefit-item p {
  max-width: 170px;
  margin: 0 auto;
  color: #FED7AA !important; /* Light orange */
  font-size: 0.9rem;
  line-height: 1.45;
  font-weight: 500;
}

/* =========================================
   Mortgage Guides Carousel
   ========================================= */
.guides-section {
  background: var(--bg-white);
}

.guides-section .section-label {
  color: var(--brand-blue);
}

.guides-carousel {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 16px;
  margin-top: 40px;
}

.guides-grid {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: calc((100% - 48px) / 3);
  gap: 24px;
  overflow-x: auto;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  scrollbar-width: none;
  min-width: 0;
  width: 100%;
}

.guides-grid.is-paused {
  scroll-snap-type: x proximity;
}

.guides-grid::-webkit-scrollbar {
  display: none;
}

.guide-card {
  display: flex;
  flex-direction: column;
  min-height: 500px;
  overflow: hidden;
  background: var(--bg-white);
  border: 1px solid #c9d6e8;
  border-radius: var(--radius-md);
  scroll-snap-align: start;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.guides-section.is-visible .guide-card {
  animation: guide-card-reveal 700ms both;
}

.guides-section.is-visible .guide-card:nth-child(2) { animation-delay: 90ms; }
.guides-section.is-visible .guide-card:nth-child(3) { animation-delay: 180ms; }
.guides-section.is-visible .guide-card:nth-child(4) { animation-delay: 270ms; }
.guides-section.is-visible .guide-card:nth-child(5) { animation-delay: 360ms; }
.guides-section.is-visible .guide-card:nth-child(6) { animation-delay: 450ms; }

.guide-card:hover,
.guide-card:focus-within {
  transform: translateY(-8px);
  border-color: var(--brand-blue);
  box-shadow: var(--shadow-lg);
}

@keyframes guide-card-reveal {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.guide-card > img {
  width: 100%;
  height: 190px;
  object-fit: cover;
}

.guide-card-content {
  display: flex;
  flex: 1;
  flex-direction: column;
  align-items: center;
  padding: 24px 24px 26px;
  text-align: center;
}

.guide-card h3 {
  max-width: 290px;
  margin-bottom: 12px;
  font-size: 1.35rem;
}

.guide-card p {
  max-width: 300px;
  margin-bottom: 22px;
  font-size: 0.95rem;
}

.guide-actions {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  width: 100%;
  margin-top: auto;
}

.guide-actions .btn {
  width: 100%;
  justify-content: center;
  padding: 12px 10px;
  font-size: 0.88rem;
}

.guide-actions .btn:disabled {
  cursor: not-allowed;
  opacity: 0.58;
  transform: none;
  box-shadow: none;
}

.guide-download-modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: grid;
  place-items: center;
  padding: 20px;
  background: rgba(15, 23, 42, 0.58);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition), visibility var(--transition);
}

.guide-download-modal.open {
  opacity: 1;
  visibility: visible;
}

.guide-download-dialog {
  position: relative;
  width: min(100%, 460px);
  max-height: min(700px, 90vh);
  overflow-y: auto;
  padding: 32px;
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  transform: translateY(18px) scale(0.98);
  transition: transform var(--transition);
}

.guide-download-modal.open .guide-download-dialog {
  transform: translateY(0) scale(1);
}

.guide-download-close {
  position: absolute;
  top: 12px;
  right: 16px;
  border: 0;
  background: transparent;
  color: var(--text-mid);
  font-size: 1.8rem;
  cursor: pointer;
}

.guide-download-icon {
  display: grid;
  place-items: center;
  width: 64px;
  height: 52px;
  margin-bottom: 16px;
  overflow: hidden;
}

.guide-download-icon img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.guide-download-dialog h2 {
  font-size: clamp(1.25rem, 4vw, 1.7rem);
  white-space: nowrap;
  margin-bottom: 8px;
  color: var(--brand-blue);
}

.guide-download-dialog > p {
  margin-bottom: 20px;
}

.guide-download-dialog .btn {
  width: 100%;
  justify-content: center;
  margin-top: 8px;
}

.guide-download-status {
  min-height: 1.4em;
  margin: 14px 0 0;
  color: var(--brand-blue);
  font-size: 0.88rem;
}

.guide-simulation-note {
  margin: 12px 0 0;
  padding: 10px 12px;
  border: 1px dashed var(--accent);
  border-radius: var(--radius-sm);
  background: #fff9e8;
  color: var(--text-mid);
  font-size: 0.82rem;
}

.guides-carousel-button {
  width: 42px;
  height: 42px;
  border: 2px solid var(--brand-blue);
  border-radius: 50%;
  background: var(--bg-white);
  color: var(--brand-blue);
  font-size: 2rem;
  line-height: 1;
  cursor: pointer;
}

.guides-carousel-button:hover {
  background: var(--brand-blue);
  color: #fff;
}

.guides-carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 20px;
}

.guides-carousel-dot {
  width: 8px;
  height: 8px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: #c9d6e8;
  cursor: pointer;
}

.guides-carousel-dot.active {
  background: var(--brand-blue);
}

@media (prefers-reduced-motion: reduce) {
  .guides-grid {
    scroll-behavior: auto;
  }

  .guides-section.is-visible .guide-card {
    animation: none;
  }
}

/* =========================================
   Services Section
   ========================================= */
.services-grid {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: calc((100% - 72px) / 4);
  gap: 24px;
  overflow-x: auto;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  scrollbar-width: none;
}

.services-grid::-webkit-scrollbar {
  display: none;
}

.services-carousel {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 12px;
  margin-top: 48px;
}

.services-carousel-button {
  width: 40px;
  height: 40px;
  border: 1px solid var(--brand-blue);
  border-radius: 50%;
  background: var(--bg-white);
  color: var(--brand-blue);
  font-size: 1.8rem;
  line-height: 1;
  cursor: pointer;
  transition: all var(--transition);
}

.services-carousel-button:hover {
  background: var(--brand-blue);
  color: #fff;
}

.service-card {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  scroll-snap-align: start;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--primary-light);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}

.service-card:hover {
  border-color: var(--primary-light);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-icon {
  width: 56px;
  height: 56px;
  background: var(--bg-green-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
  transition: all var(--transition);
}

.service-card:hover .service-icon {
  background: var(--primary);
  color: #fff;
}

.service-card h3 {
  font-size: 1.15rem;
  margin-bottom: 10px;
  color: var(--primary-dark);
}

.service-card p {
  font-size: 0.9rem;
  margin-bottom: 20px;
}

.service-card .link-arrow {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition);
}

.service-card:hover .link-arrow {
  gap: 10px;
}

/* =========================================
   How It Works
   ========================================= */
.how-it-works {
  background: var(--bg-light);
}

.how-it-works .section-label,
.how-it-works .step-item h4 {
  color: var(--brand-blue);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px;
  margin-top: 48px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: var(--border);
  z-index: 0;
}

.step-item {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 72px;
  height: 72px;
  background: var(--brand-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 900;
  color: #fff;
  font-family: var(--font-heading);
  margin: 0 auto 20px;
  border: 4px solid var(--bg-white);
  box-shadow: var(--shadow-sm);
}

.step-item h4 {
  margin-bottom: 8px;
  color: var(--brand-blue);
}

.step-item p {
  font-size: 0.88rem;
  margin: 0;
}

/* =========================================
   Calculators Section
   ========================================= */
.calculators {
  background: var(--primary-dark);
  color: #fff;
}

.calculators .section-label {
  color: var(--accent);
}

.calculators .section-title {
  color: #fff;
}

.calculators .section-subtitle {
  color: rgba(255,255,255,0.75);
}

.calc-tabs {
  display: flex;
  gap: 4px;
  margin-top: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-sm);
  padding: 4px;
  width: fit-content;
}

.calc-tab {
  padding: 10px 22px;
  font-size: 0.88rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  border: none;
  background: none;
  font-family: var(--font-body);
}

.calc-tab.active,
.calc-tab:hover {
  background: var(--accent);
  color: #fff;
}

.calc-panels {
  margin-top: 28px;
}

.calc-panel {
  display: none;
}

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

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

.calc-form {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 32px;
}

.calc-form .form-group label {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
}

.calc-form .form-group input,
.calc-form .form-group select {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.15);
  color: #fff;
}

.calc-form .form-group input::placeholder {
  color: rgba(255,255,255,0.4);
}

.calc-form .form-group input:focus,
.calc-form .form-group select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(245, 166, 35, 0.15);
}

.calc-form .form-group select option {
  background: var(--primary-dark);
  color: #fff;
}

.range-input {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.range-input input[type="range"] {
  width: 100%;
  accent-color: var(--accent);
  background: none;
  border: none;
  padding: 0;
  height: auto;
}

.range-input input[type="range"]:focus {
  outline: none;
  box-shadow: none;
}

.range-display {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--accent);
}

.calc-results {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.calc-result-card {
  background: var(--accent);
  border-radius: var(--radius-md);
  padding: 28px;
  text-align: center;
}

.calc-result-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.85);
  margin-bottom: 8px;
}

.calc-result-value {
  font-size: 2.4rem;
  font-weight: 900;
  color: #fff;
  font-family: var(--font-heading);
  line-height: 1;
}

.calc-result-unit {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.8);
  margin-top: 4px;
}

.calc-result-secondary {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 20px;
}

.calc-result-secondary .calc-result-label {
  color: rgba(255,255,255,0.65);
}

.calc-result-secondary .calc-result-value {
  font-size: 1.5rem;
}

.calc-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-top: 16px;
  margin-bottom: 0;
  font-style: italic;
}

/* =========================================
   Why Choose Us
   ========================================= */
#why-us {
  background: #eaf4ff;
  color: #17345f;
}

.why-us-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(48px, 8vw, 112px);
  align-items: center;
}

.why-us-content {
  max-width: 560px;
}

.why-us-content .section-label {
  display: inline-block;
  padding: 7px 11px;
  background: var(--brand-blue);
  color: #fff;
  border-radius: 2px;
  letter-spacing: 0.04em;
}

.why-us-content .section-title {
  margin-top: 18px;
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.15;
  color: #17345f;
}

.why-us-content .section-title span {
  color: var(--brand-blue) !important;
}

.why-typing-word {
  display: inline-block;
  min-width: 11ch;
  white-space: nowrap;
}

.why-us-content > p {
  max-width: 500px;
  font-size: 1rem;
  color: #46627f;
}

.why-us-signature {
  width: 230px;
  margin: 28px 0 18px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(26, 26, 46, 0.4);
  color: var(--brand-blue);
  font-family: Georgia, serif;
  font-size: 3.5rem;
  font-style: italic;
  letter-spacing: 0.14em;
  transform: rotate(-8deg);
}

.why-us-reasons {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.why-reason {
  display: grid;
  grid-template-columns: 100px minmax(0, 1fr);
  gap: 28px;
  align-items: center;
  min-height: 100px;
}

.why-reason-icon {
  display: grid;
  place-items: center;
  width: 100px;
  height: 100px;
  background: #cfe4fa;
  color: #214f88;
  font-size: 2rem;
  font-weight: 300;
}

.why-reason h3 {
  margin-bottom: 8px;
  font-size: clamp(1.15rem, 2vw, 1.45rem);
  color: #17345f;
}

.why-reason p {
  max-width: 320px;
  margin: 0;
  font-size: 0.92rem;
  color: #46627f;
}

/* Retained for other site variants that still use the visual panel. */
.why-us-visual {
  position: relative;
}

.why-us-img-block {
  background: #124024;
  border-radius: var(--radius-lg);
  height: 440px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.why-us-img-block .bg-pattern {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.05' fill-rule='evenodd'%3E%3Ccircle cx='20' cy='20' r='2'/%3E%3C/g%3E%3C/svg%3E");
}

.why-us-icon-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  padding: 32px;
  position: relative;
  z-index: 1;
}

.why-icon-item {
  background: #1e5330;
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--radius-md);
  padding: 20px;
  text-align: center;
}

.why-icon-item .icon {
  font-size: 2rem;
  margin-bottom: 8px;
}

.why-icon-item span {
  display: block;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  line-height: 1.3;
}

.why-us-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: #f59e0b;
  color: #fff;
  padding: 16px 20px;
  border-radius: var(--radius-md);
  text-align: center;
  box-shadow: var(--shadow-md);
}

.why-us-badge .number {
  font-size: 1.8rem;
  font-weight: 900;
  font-family: var(--font-heading);
  display: block;
  line-height: 1;
}

.why-us-badge .label {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.85);
  display: block;
  margin-top: 4px;
}

.features-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 28px;
}

.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 16px;
  background: rgba(30, 83, 48, 0.08);
  border: 1px solid rgba(30, 83, 48, 0.14);
  border-radius: var(--radius-md);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.feature-item:hover,
.feature-item:focus-within {
  border-color: rgba(30, 83, 48, 0.32);
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
}

.feature-check {
  width: 28px;
  height: 28px;
  background: #e6f4ea;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #15803d;
  font-weight: 900;
  font-size: 0.85rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.feature-content h4 {
  margin-bottom: 4px;
  font-size: 1rem;
}

.feature-content p {
  font-size: 0.88rem;
  margin: 0;
}

.why-us-content .section-label {
  color: #15803d;
}

.why-us-content .section-label {
  color: #fff;
}

.why-us-content > div:last-child .btn-primary {
  background: #fff;
  border-color: #fff;
  color: #1e3a8a;
}

.why-us-content > div:last-child .btn-primary:hover {
  background: #dbeafe;
  border-color: #dbeafe;
  color: #1e3a8a;
}

/* =========================================
   Lenders Bar
   ========================================= */
.lenders {
  background: var(--bg-light);
  border-top: 1px solid var(--border);
}

.lenders-label {
  text-align: center;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--text-light);
  margin-bottom: 28px;
}

.lenders-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
  align-items: center;
}

.lender-pill {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: 100px;
  padding: 10px 20px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-mid);
  transition: all var(--transition);
}

.lender-pill:hover {
  border-color: var(--primary-light);
  color: var(--primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

/* =========================================
   Testimonials
   ========================================= */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  margin-top: 48px;
}

.testimonials-layout {
  display: grid;
  grid-template-columns: minmax(220px, 280px) minmax(0, 1fr);
  gap: 24px;
  align-items: stretch;
  margin-top: 48px;
}

.testimonials-title-accent {
  color: var(--brand-blue);
}

.testimonial-typing-word {
  display: inline-block;
  min-width: 7.2ch;
  text-align: left;
  white-space: nowrap;
}

.testimonials-business-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-width: 0;
  height: 344px;
  min-height: 344px;
  padding: 24px 20px;
  text-align: center;
}

.google-business-mark {
  display: grid;
  place-items: center;
  width: 54px;
  height: 54px;
  margin-bottom: 18px;
  border: 1px solid var(--border);
  border-radius: 50%;
  color: var(--brand-blue);
  font-size: 1.2rem;
  font-weight: 800;
}

.testimonials-business-card h3 {
  margin-bottom: 12px;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 800;
}

.business-rating {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 8px;
}

.business-rating strong {
  color: #f06d21;
  font-size: 1.35rem;
}

.business-rating .testimonial-stars {
  margin: 0;
}

.google-powered-by {
  margin: 12px 0 18px;
  color: var(--text-light);
  font-size: 0.78rem;
}

.google-powered-by span {
  margin-right: 6px;
  color: #4285f4;
  font-size: 1.2rem;
  font-weight: 800;
}

.google-review-action {
  width: 100%;
  justify-content: center;
  padding: 9px 12px;
  font-size: 0.82rem;
}

.google-review-action + .google-review-action {
  margin-top: 8px;
}

.testimonials-review-viewport {
  min-width: 0;
  height: 344px;
  min-height: 344px;
  overflow: hidden;
}

.testimonials-review-track {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: calc((100% - 48px) / 3);
  align-items: stretch;
  gap: 24px;
  height: 100%;
  overflow: visible;
  transition: transform 600ms ease;
}

.testimonial-card {
  background: #f7fbff;
  border: 1.5px solid #c8d9f5;
  border-radius: var(--radius-md);
  padding: 32px;
  position: relative;
  transition: all var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--brand-blue);
  transform: translateY(-4px);
}

.testimonial-quote {
  font-size: 2.5rem;
  color: var(--primary-light);
  line-height: 1;
  margin-bottom: 12px;
  font-family: Georgia, serif;
}

.testimonial-text {
  font-size: 0.93rem;
  line-height: 1.65;
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-stars {
  color: var(--accent);
  font-size: 0.9rem;
  margin-bottom: 16px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.author-avatar-image {
  object-fit: cover;
}

/* Tightened section padding to remove extra space above testimonials */
#why-us {
  padding-bottom: 40px !important;
}

#testimonials {
  padding-top: 32px !important;
  padding-bottom: 64px !important;
}

.google-review-card {
  animation: google-review-rise 600ms both;
  display: flex;
  flex-direction: column;
  min-width: 0;
  height: 344px;
  min-height: 344px;
  padding: 24px 18px;
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-md);
  transition: transform 0.35s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow 0.35s ease, border-color 0.35s ease;
}

/* Shining glass sweep to the right on hover */
.google-review-card:after {
  content: "";
  position: absolute;
  top: -10%;
  left: 0;
  width: 90px;
  height: 120%;
  background: linear-gradient(
    90deg,
    rgba(255, 255, 255, 0) 0%,
    rgba(255, 255, 255, 0.85) 50%,
    rgba(255, 255, 255, 0) 100%
  );
  transform: translateX(-160%) skewX(-22deg);
  pointer-events: none;
  z-index: 5;
}

.google-review-card:hover:after {
  animation: review-shine-right 0.85s ease-out forwards;
}

@keyframes review-shine-right {
  0% {
    transform: translateX(-160%) skewX(-22deg);
    opacity: 0.1;
  }
  30% {
    opacity: 1;
  }
  100% {
    transform: translateX(480%) skewX(-22deg);
    opacity: 0;
  }
}

/* Google 4-Color Pastel Tints: Blue, Green, Yellow, Red */
/* 1. Google Blue (#4285F4 / #00A1F1) */
.google-review-card:nth-child(4n+1) {
  background: linear-gradient(180deg, #f2f7fe 0%, #ffffff 100%);
  border: 1.5px solid rgba(66, 133, 244, 0.24);
  border-top: 3.5px solid #4285f4;
}
.google-review-card:nth-child(4n+1) .testimonial-quote {
  color: #4285f4;
}
.google-review-card:nth-child(4n+1) .author-avatar {
  background: linear-gradient(135deg, #4285f4 0%, #00a1f1 100%);
  color: #ffffff;
}
.google-review-card:nth-child(4n+1):hover {
  border-color: #4285f4;
  box-shadow: 0 12px 28px rgba(66, 133, 244, 0.18);
  transform: translateY(-5px);
}

/* 2. Google Green (#34A853 / #7CBB00) */
.google-review-card:nth-child(4n+2) {
  background: linear-gradient(180deg, #f2faf4 0%, #ffffff 100%);
  border: 1.5px solid rgba(52, 168, 83, 0.24);
  border-top: 3.5px solid #34a853;
}
.google-review-card:nth-child(4n+2) .testimonial-quote {
  color: #34a853;
}
.google-review-card:nth-child(4n+2) .author-avatar {
  background: linear-gradient(135deg, #34a853 0%, #7cbb00 100%);
  color: #ffffff;
}
.google-review-card:nth-child(4n+2):hover {
  border-color: #34a853;
  box-shadow: 0 12px 28px rgba(52, 168, 83, 0.18);
  transform: translateY(-5px);
}

/* 3. Google Yellow/Amber (#FBBC05 / #FFBB00) */
.google-review-card:nth-child(4n+3) {
  background: linear-gradient(180deg, #fffdf2 0%, #ffffff 100%);
  border: 1.5px solid rgba(251, 188, 5, 0.35);
  border-top: 3.5px solid #fbbc05;
}
.google-review-card:nth-child(4n+3) .testimonial-quote {
  color: #e5a400;
}
.google-review-card:nth-child(4n+3) .author-avatar {
  background: linear-gradient(135deg, #fbbc05 0%, #ffbb00 100%);
  color: #0f2b48;
  font-weight: 900;
}
.google-review-card:nth-child(4n+3):hover {
  border-color: #fbbc05;
  box-shadow: 0 12px 28px rgba(251, 188, 5, 0.22);
  transform: translateY(-5px);
}

/* 4. Google Red/Coral (#EA4335 / #F65314) */
.google-review-card:nth-child(4n+4) {
  background: linear-gradient(180deg, #fef4f3 0%, #ffffff 100%);
  border: 1.5px solid rgba(234, 67, 53, 0.24);
  border-top: 3.5px solid #ea4335;
}
.google-review-card:nth-child(4n+4) .testimonial-quote {
  color: #ea4335;
}
.google-review-card:nth-child(4n+4) .author-avatar {
  background: linear-gradient(135deg, #ea4335 0%, #f65314 100%);
  color: #ffffff;
}
.google-review-card:nth-child(4n+4):hover {
  border-color: #ea4335;
  box-shadow: 0 12px 28px rgba(234, 67, 53, 0.18);
  transform: translateY(-5px);
}

.google-review-card .testimonial-text {
  flex: 1;
  overflow-wrap: anywhere;
  display: -webkit-box;
  -webkit-box-orient: vertical;
  -webkit-line-clamp: 9;
  overflow: hidden;
}

.google-review-status {
  max-width: 560px;
  margin: 0 auto;
  text-align: center;
}

.testimonials-review-viewport > .google-review-status {
  width: 100%;
  max-width: none;
  min-height: 344px;
}

.google-review-status .testimonial-quote {
  color: var(--primary);
  font-family: var(--font-body);
  font-size: 1.4rem;
  font-weight: 800;
}

.google-review-status .testimonial-stars {
  margin-bottom: 8px;
}

.google-reviews-link {
  display: block;
  width: fit-content;
  margin: 28px auto 0;
  color: var(--primary);
  font-weight: 700;
}

@keyframes google-review-rise {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: translateY(0); }
}

.author-name {
  font-weight: 700;
  font-size: 0.92rem;
  margin-bottom: 2px;
  color: var(--text-dark);
}

.author-detail {
  font-size: 0.78rem;
  color: var(--text-light);
}

/* =========================================
   CTA Banner
   ========================================= */
.cta-banner {
  background: linear-gradient(135deg, var(--brand-blue) 0%, #2859b8 100%);
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='30' cy='30' r='10'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.cta-banner-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  padding: 60px 0;
}

.cta-banner-content h2 {
  color: #fff;
  margin-bottom: 12px;
}

.cta-banner-content p {
  color: #FED7AA !important; /* Light orange/yellow contrast */
  font-weight: 500;
  font-size: 1.05rem;
  margin: 0;
}

.cta-banner-actions {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
}

/* =========================================
   Insights / Blog
   ========================================= */
.insights-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 48px;
}

.insight-card {
  background: var(--bg-white);
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1.5px solid var(--border);
  transition: all var(--transition);
}

.insight-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.insight-img {
  height: 180px;
  background: linear-gradient(135deg, var(--brand-blue) 0%, #2859b8 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  position: relative;
  overflow: hidden;
}

.insight-img .category-tag {
  position: absolute;
  bottom: 12px;
  left: 12px;
  background: var(--accent);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.insight-body {
  padding: 24px;
}

.insight-meta {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-bottom: 10px;
}

.insight-body h3 {
  font-size: 1.05rem;
  margin-bottom: 10px;
  line-height: 1.35;
}

.insight-body p {
  font-size: 0.88rem;
  margin-bottom: 16px;
}

.insight-body .link-arrow {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 6px;
}

/* =========================================
   Footer
   ========================================= */
.site-footer {
  background: var(--brand-blue);
  color: rgba(255,255,255,0.75);
  padding: 60px 0 0;
}

.site-footer-compact {
  padding-top: 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
}

.footer-brand .logo-name {
  color: #fff;
}

.footer-brand .logo-tagline {
  color: rgba(255,255,255,0.5);
}

.footer-brand p {
  color: #FED7AA !important; /* High contrast light orange */
  font-size: 0.95rem;
  line-height: 1.6;
  font-weight: 500;
  margin-top: 14px;
  margin-bottom: 20px;
}

.footer-links a {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85) !important;
  transition: color var(--transition);
}

.footer-links a:hover {
  color: #ffdc4a !important;
}

.footer-contact-item {
  color: rgba(255, 255, 255, 0.9) !important;
  font-size: 0.9rem;
}

.footer-contact-item a {
  color: #ffffff !important;
  font-weight: 600;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.social-link {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  transition: all var(--transition);
}

.social-link:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}

.footer-col h4 {
  color: #fff;
  font-size: 0.92rem;
  font-family: var(--font-body);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
}

.footer-links a:hover {
  color: var(--accent);
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
}

.footer-contact-item .icon {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-bottom-inner p {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin: 0;
}

.footer-legal {
  display: flex;
  gap: 20px;
}

.footer-legal a {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  transition: color var(--transition);
}

.footer-legal a:hover {
  color: var(--accent);
}

/* =========================================
   Sticky CTA (mobile)
   ========================================= */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--brand-blue);
  padding: 14px 24px;
  display: none;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  z-index: 999;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
}

.cookie-banner {
  position: fixed;
  right: 24px;
  bottom: 0;
  left: 24px;
  z-index: 1500;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  max-width: 1180px;
  margin: 0 auto;
  padding: 18px 52px 18px 24px;
  border-top: 1px solid #d8d6ce;
  border-radius: 16px 16px 0 0;
  background: #f8f7f2;
  color: #3f4144;
  box-shadow: 0 -8px 24px rgba(15, 23, 42, .12);
  font-size: 14px;
  line-height: 1.45;
}

.cookie-banner-copy { flex: 1 1 auto; }
.cookie-banner-copy strong { display: block; margin-bottom: 4px; color: #243b35; font-size: 15px; }
.cookie-banner p { max-width: 720px; margin: 0; }
.cookie-banner a, .cookie-preferences-dialog a { color: var(--brand-blue); font-weight: 700; }
.cookie-banner-actions { display: flex; flex: 0 0 auto; align-items: center; gap: 8px; }
.cookie-banner.is-dismissed { display: none; }
.cookie-banner-close, .cookie-preferences-close { border: 0; background: transparent; color: #374151; cursor: pointer; font-size: 28px; line-height: 1; }
.cookie-banner-close { position: absolute; top: 18px; right: 28px; }

.cookie-preferences[hidden] { display: none; }
.cookie-preferences { position: fixed; inset: 0; z-index: 2100; display: grid; place-items: center; padding: 20px; }
.cookie-preferences-backdrop { position: absolute; inset: 0; background: rgba(15, 23, 42, .5); }
.cookie-preferences-dialog { position: relative; width: min(100%, 620px); max-height: min(90vh, 700px); overflow-y: auto; padding: 28px 30px; background: #fff; box-shadow: 0 18px 50px rgba(15, 23, 42, .26); }
.cookie-preferences-dialog h2 { margin: 0 40px 14px 0; color: #303236; font-size: 30px; font-weight: 400; }
.cookie-preferences-dialog > p { margin: 0 0 18px; color: #3f4144; font-size: 14px; line-height: 1.4; }
.cookie-preferences-dialog hr { margin: 22px 0; border: 0; border-top: 1px solid #aaa; }
.cookie-preferences-close { position: absolute; top: 16px; right: 20px; }
.cookie-category { display: flex; align-items: flex-start; gap: 10px; margin: 16px 0; color: #444; font-size: 14px; line-height: 1.45; }
.cookie-category p { margin: 12px 0 0; }
.cookie-category small { display: block; margin-top: 12px; font-size: 14px; }
.cookie-check { display: inline-grid; flex: 0 0 20px; width: 20px; height: 20px; place-items: center; border: 1px solid #bac0c2; color: #fff; font-size: 15px; line-height: 1; }
.cookie-check.is-checked { border-color: var(--brand-blue); background: var(--brand-blue); }
.cookie-category-toggle input { position: absolute; opacity: 0; pointer-events: none; }
.cookie-category-toggle input:checked + .cookie-check { border-color: var(--brand-blue); background: var(--brand-blue); }
.cookie-category-toggle input:checked + .cookie-check::after { content: '\2713'; }
.cookie-optout-note { color: #64748b !important; font-size: 12px !important; }
.cookie-preferences-actions { display: flex; justify-content: flex-end; gap: 10px; margin-top: 22px; }
.cookie-button { min-width: 132px; padding: 12px 16px; border: 1px solid var(--brand-blue); background: #fff; color: var(--brand-blue); cursor: pointer; font: inherit; font-weight: 700; }
.cookie-button-primary { border-color: var(--brand-blue); background: var(--brand-blue); color: #fff; }

.legal-content { max-width: 900px; margin: 0 auto; padding: 72px 24px 100px; color: #334155; }
.legal-content h1 { margin: 0 0 8px; color: #0f2b48; font-size: 42px; }
.legal-content h2 { margin: 38px 0 12px; color: #0f2b48; font-size: 25px; }
.legal-content h3 { margin: 26px 0 8px; color: #0f2b48; font-size: 18px; }
.legal-content p { font-size: 16px; line-height: 1.7; }
.legal-updated { color: #64748b; font-size: 14px !important; }

@media (max-width: 768px) {
  .cookie-banner { right: 8px; left: 8px; align-items: flex-start; flex-direction: column; gap: 12px; padding: 16px 42px 16px 16px; font-size: 12px; }
  .cookie-banner-copy strong { font-size: 14px; }
  .cookie-banner-actions { width: 100%; flex-wrap: wrap; }
  .cookie-banner-actions .cookie-button { flex: 1 1 130px; width: auto; min-width: 0; padding: 10px 8px; font-size: 12px; }
  .cookie-banner-close { top: 14px; right: 16px; }
  .cookie-preferences { padding: 8px; }
  .cookie-preferences-dialog { padding: 24px 20px; }
  .cookie-preferences-dialog h2 { font-size: 28px; }
  .cookie-preferences-actions { flex-direction: column; }
  .cookie-button { width: 100%; }
  .legal-content { padding: 44px 18px 100px; }
  .legal-content h1 { font-size: 32px; }
}

.sticky-cta p {
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  margin: 0;
}

/* =========================================
   Inner Pages - Page Header
   ========================================= */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='10'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.page-hero-inner {
  position: relative;
  z-index: 1;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
  font-size: 0.82rem;
}

.breadcrumb a {
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
}

.breadcrumb a:hover {
  color: var(--accent);
}

.breadcrumb span {
  color: rgba(255,255,255,0.4);
}

.breadcrumb .current {
  color: rgba(255,255,255,0.85);
  font-weight: 600;
}

.page-hero h1 {
  color: #fff;
  margin-bottom: 16px;
}

.page-hero p {
  color: rgba(255,255,255,0.8);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0;
}

/* =========================================
   Content Sections (inner pages)
   ========================================= */
.content-2col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.content-2col.reverse {
  direction: rtl;
}

.content-2col.reverse > * {
  direction: ltr;
}

.content-visual {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius-lg);
  height: 380px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  position: relative;
  overflow: hidden;
}

.content-visual .bg-pattern {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04' fill-rule='evenodd'%3E%3Ccircle cx='20' cy='20' r='2'/%3E%3C/g%3E%3C/svg%3E");
}

.checklist {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 20px 0;
}

.checklist-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.93rem;
}

.checklist-item::before {
  content: '✓';
  width: 22px;
  height: 22px;
  background: var(--bg-green-light);
  color: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 900;
  flex-shrink: 0;
  margin-top: 1px;
}

/* =========================================
   FAQ Section
   ========================================= */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 36px;
}

.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-question {
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-dark);
  transition: all var(--transition);
  user-select: none;
}

.faq-question:hover {
  background: var(--bg-light);
  color: var(--primary);
}

.faq-question .faq-icon {
  font-size: 1.2rem;
  font-weight: 300;
  color: var(--primary);
  transition: transform var(--transition);
}

.faq-item.open .faq-question {
  background: var(--bg-green-light);
  color: var(--primary);
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  font-size: 0.92rem;
  color: var(--text-mid);
}

.faq-item.open .faq-answer {
  max-height: 300px;
  padding: 16px 24px 24px;
}

/* =========================================
   Contact Page
   ========================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: stretch;
}

.contact-grid > *,
.contact-info {
  min-width: 0;
}

.contact-section {
  background: var(--bg-light);
  padding-top: 44px;
}

.contact-section-heading {
  max-width: 720px;
  margin: 0 auto 28px;
  text-align: center;
}

.contact-section-heading .section-title {
  margin-top: 0;
}

.contact-section-heading .section-subtitle {
  margin: 8px auto 0;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-visual-card,
.contact-details-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.contact-visual-card {
  height: 280px;
  flex: 0 0 280px;
  position: relative;
  background: var(--primary-dark);
  color: #fff;
}

.contact-carousel-track,
.contact-carousel-slide {
  width: 100%;
  height: 100%;
}

.contact-carousel-track {
  position: absolute;
  inset: 0;
}

.contact-carousel-slide {
  position: absolute;
  inset: 0;
  object-fit: cover;
  opacity: 0;
  transition: opacity 0.7s ease;
}

.contact-carousel-slide.is-active {
  opacity: 1;
}

.contact-visual-card::after {
  content: '';
  position: absolute;
  inset: 35% 0 0;
  background: linear-gradient(transparent, rgba(15, 48, 24, 0.88));
}

.contact-visual-copy,
.contact-carousel-dots {
  position: absolute;
  z-index: 1;
}

.contact-visual-copy {
  left: 28px;
  right: 28px;
  bottom: 38px;
}

.contact-visual-copy span,
.contact-visual-copy strong {
  display: block;
}

.contact-visual-copy span {
  font-size: 0.8rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.88;
}

.contact-visual-copy strong {
  margin-top: 6px;
  font-family: var(--font-heading);
  font-size: clamp(1.25rem, 2vw, 1.8rem);
  line-height: 1.2;
}

.contact-carousel-dots {
  display: flex;
  gap: 7px;
  left: 28px;
  bottom: 18px;
}

.contact-carousel-dots button {
  width: 7px;
  height: 7px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.55);
  cursor: pointer;
}

.contact-carousel-dots button.is-active {
  background: #fff;
  transform: scale(1.25);
}

.contact-details-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px 18px;
  padding: 24px;
  background: var(--bg-white);
  flex: 1;
}

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

.contact-info-icon {
  width: 48px;
  height: 48px;
  background: var(--bg-green-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.contact-info-item h4 {
  margin-bottom: 4px;
  font-size: 1rem;
}

.contact-info-item p {
  font-size: 0.9rem;
  margin: 0;
}

.contact-form-card {
  height: 100%;
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
}

.contact-form-card h3 {
  margin-bottom: 20px;
  color: var(--primary);
}

.contact-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

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

.turnstile-placeholder {
  min-height: 0;
  margin-top: 16px;
}

.turnstile-placeholder[data-turnstile-sitekey=""] {
  display: none;
}

.contact-consent-group {
  margin: 20px 0 0;
  padding: 14px 16px 12px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
}

.contact-consent-group legend {
  padding: 0 6px;
  color: var(--text-mid);
  font-size: 0.78rem;
  font-weight: 700;
}

.consent-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  margin: 8px 0 0;
  color: var(--text-mid);
  font-size: 0.82rem;
  line-height: 1.4;
  cursor: pointer;
}

.consent-checkbox input {
  width: 16px;
  height: 16px;
  flex: 0 0 16px;
  margin: 1px 0 0;
  accent-color: var(--brand-blue);
}

.consent-checkbox a {
  color: var(--brand-blue);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.contact-consent-error {
  margin: 10px 0 0;
  color: #a32626;
  font-size: 0.78rem;
}

.contact-form-submit {
  margin-top: 16px;
}

.contact-form-submit .btn {
  width: 100%;
  justify-content: center;
}

.contact-form-consent {
  margin: 12px 0 0;
  color: var(--text-light);
  font-size: 0.78rem;
}

.form-group textarea {
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--bg-white);
  transition: border-color var(--transition);
  width: 100%;
  resize: vertical;
  min-height: 120px;
}

.form-group textarea:focus {
  outline: none;
  border-color: var(--primary-light);
  box-shadow: 0 0 0 3px rgba(45, 122, 68, 0.1);
}

/* =========================================
   Alert / Success Messages
   ========================================= */
.alert {
  padding: 14px 20px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 600;
  margin-top: 16px;
  display: none;
}

.alert.success {
  background: var(--bg-green-light);
  color: var(--primary);
  border: 1px solid var(--primary-light);
}

.alert.error {
  background: #fef2f2;
  color: #dc2626;
  border: 1px solid #fca5a5;
}

/* =========================================
   Mobile Navigation
   ========================================= */
.mobile-nav {
  position: fixed;
  top: 0;
  right: 0;
  width: min(320px, 100%);
  height: 100%;
  background: var(--bg-white);
  z-index: 2000;
  box-shadow: -4px 0 20px rgba(0,0,0,0.15);
  visibility: hidden;
  transform: translateX(100%);
  transition: transform var(--transition), visibility var(--transition);
  overflow-y: auto;
}

.mobile-nav.open {
  visibility: visible;
  transform: translateX(0);
}

.mobile-menu-open .site-header {
  visibility: hidden;
}

.mobile-nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 1999;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
}

.mobile-nav-overlay.open {
  opacity: 1;
  visibility: visible;
}

.mobile-nav-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
}

.mobile-nav-close {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: none;
  background: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-dark);
  border-radius: var(--radius-sm);
}

.mobile-nav-close:hover {
  background: var(--bg-light);
}

.mobile-nav-links {
  padding: 16px;
  display: flex;
  flex-direction: column;
}

.mobile-nav-links a {
  padding: 12px 16px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  border-radius: var(--radius-sm);
  border-bottom: 1px solid var(--border);
  transition: all var(--transition);
}

.mobile-nav-links a:hover {
  color: var(--primary);
  background: var(--bg-green-light);
}

.mobile-nav-links a.sub {
  font-weight: 400;
  font-size: 0.9rem;
  padding-left: 32px;
  color: var(--text-mid);
  border-bottom: none;
}

.mobile-nav-cta {
  padding: 20px 16px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* =========================================
   Responsive
   ========================================= */
@media (max-width: 1024px) {
  .benefits-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    row-gap: 32px;
  }

  .guides-grid {
    grid-auto-columns: calc((100% - 24px) / 2);
  }

  .hero-inner {
    grid-template-columns: 1fr;
    padding: 44px 0;
  }

  .hero {
    min-height: auto;
  }

  .hero-card-wrap {
    justify-content: flex-start;
    padding-bottom: 0;
  }

  .why-us-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .why-us-content {
    max-width: none;
  }

  .why-us-content .section-title br {
    display: none;
  }

   .why-us-content .section-title .why-typing-word {
     margin-left: 0.2em;
   }

  .why-reason {
    grid-template-columns: 72px minmax(0, 1fr);
    gap: 16px;
    min-height: 72px;
  }

  .why-reason-icon {
    width: 72px;
    height: 72px;
    font-size: 1.5rem;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  .calc-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .hero {
    background-image: url('../images/headers/mobile-background-375-492.webp');
    background-position: center top;
    background-size: cover;
  }

  .hero::before {
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.78) 0%, rgba(255, 255, 255, 0.9) 68%, rgba(255, 255, 255, 0.98) 100%);
  }

  .header-top {
    display: none;
  }

  .nav-primary,
  .header-cta .btn-outline,
  .header-cta .btn-primary {
    display: none;
  }

  .header-cta {
    gap: 8px;
  }

  .nav-toggle {
    display: flex;
  }

  .sticky-cta {
    display: flex;
  }

  .hero-inner {
    gap: 28px;
    padding: 32px 0 38px;
  }

  .logo {
    transform: none;
  }

  .lender-bar {
    margin-top: 0;
  }

  .hero-stats {
    gap: 20px;
  }

  .benefits-section {
    padding: 30px 0 34px;
  }

  .benefits-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .guides-carousel {
    display: block;
    width: 100%;
    overflow: hidden;
  }

  .guides-carousel-button {
    display: none;
  }

  .guides-grid {
    display: flex !important;
    flex-direction: row !important;
    flex-wrap: nowrap !important;
    grid-auto-flow: unset !important;
    grid-auto-columns: unset !important;
    overflow-x: auto !important;
    scroll-snap-type: x mandatory !important;
    -webkit-overflow-scrolling: touch !important;
    gap: 16px !important;
    padding: 8px 4px 16px !important;
    width: 100% !important;
    min-width: 0 !important;
    margin: 0 !important;
    scrollbar-width: none;
  }

  .guides-grid::-webkit-scrollbar {
    display: none;
  }

  .guide-card {
    flex: 0 0 100% !important;
    min-width: 100% !important;
    max-width: 100% !important;
    scroll-snap-align: center !important;
    box-sizing: border-box !important;
    min-height: 440px;
  }

  .scroll-to-top {
    bottom: calc(76px + env(safe-area-inset-bottom));
  }

  .steps-grid::before {
    display: none;
  }

  .content-2col {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .content-2col.reverse {
    direction: ltr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .contact-section {
    padding-top: 40px;
  }

  .contact-visual-card {
    height: 240px;
    flex-basis: 240px;
  }

  .contact-details-card {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom-inner {
    flex-direction: column;
    text-align: center;
  }

  .cta-banner-inner {
    flex-direction: column;
    text-align: center;
  }

  .cta-banner-actions {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .hero-inner,
  .hero-content,
  .hero-card-wrap {
    min-width: 0;
  }

  .hero h1 {
    font-size: clamp(1.65rem, 10vw, 2.3rem);
    overflow-wrap: anywhere;
  }

  .container {
    padding-left: 16px;
    padding-right: 16px;
  }

  .hero-lead {
    margin-bottom: 22px;
  }

  .hero-card {
    padding: 20px 16px;
  }

  .hero-card-wrap {
    width: 100%;
  }

  .hero-actions .btn {
    width: 100%;
    white-space: normal;
  }

  .hero-stats {
    flex-wrap: wrap;
    gap: 16px;
  }

  .hero-stat-item {
    flex: 1 1 28%;
  }

  .hero-stat-number {
    font-size: 1.4rem;
  }

  .hero-stat-label {
    font-size: 0.72rem;
  }

  .hero-stat-footnote {
    font-size: 0.62rem;
  }

  .hero-stat-item {
    min-width: 0;
  }

  .header-inner {
    gap: 6px;
  }

  .header-cta {
    flex: 0 0 auto;
  }

  .btn-search {
    width: 38px;
    min-height: 38px;
    padding: 0;
  }

  .btn-search span {
    display: none;
  }

  .brand-logo {
    width: 100px;
    height: 48px;
  }

  .header-cta {
    gap: 4px;
  }

  .header-cta .btn-primary {
    max-width: 118px;
    overflow: hidden;
    padding: 9px 8px;
    font-size: 0.72rem;
    text-overflow: ellipsis;
  }

  .nav-toggle {
    padding: 4px;
  }

  .sticky-cta {
    padding: 10px 12px;
    gap: 8px;
  }

  .sticky-cta p {
    min-width: 0;
    font-size: 0.72rem;
    line-height: 1.35;
  }

  .sticky-cta .btn {
    flex: 0 0 auto;
    padding: 9px 12px;
    font-size: 0.78rem;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .hero-actions {
    flex-direction: column;
  }

  .calc-tabs {
    flex-wrap: wrap;
  }

  .contact-form-grid {
    grid-template-columns: 1fr;
  }

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

  .testimonials-layout {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .testimonials-business-card,
  .testimonials-review-viewport,
  .google-review-card {
    height: auto;
    min-height: 0;
  }

  .testimonials-review-track {
    grid-auto-columns: 100%;
    gap: 16px;
  }

  .guide-download-modal {
    padding: 12px;
  }

  .guide-download-dialog {
    width: 100%;
    max-height: 92vh;
    padding: 24px 18px;
    border-radius: 16px;
  }

  .guide-download-dialog h2 {
    font-size: clamp(1rem, 5.2vw, 1.35rem);
    letter-spacing: 0;
  }

  .guide-download-dialog > p {
    font-size: 0.9rem;
  }

  .guide-download-icon {
    width: 56px;
    height: 44px;
    margin-bottom: 12px;
  }
}

/* Keep narrow layouts inside the viewport on phones and compact tablets. */
@media (max-width: 768px) {
  .container,
  .hero-inner,
  .hero-content,
  .hero-card-wrap,
  .hero-card {
    min-width: 0;
  }

  .hero-inner {
    grid-template-columns: minmax(0, 1fr);
  }

  .hero-content,
  .hero-card-wrap {
    width: 100%;
  }

  .hero-badge {
    max-width: 100%;
    white-space: normal;
    text-align: left;
  }

  .hero h1 {
    overflow-wrap: anywhere;
  }

  .hero-card {
    width: min(100%, 400px);
    padding-left: clamp(16px, 5vw, 28px);
    padding-right: clamp(16px, 5vw, 28px);
  }

  .hero-actions {
    width: 100%;
    flex-direction: row;
    gap: 10px;
  }

  .hero-actions .btn {
    min-width: 0;
    width: auto;
    flex: 1 1 0;
    padding-left: 10px;
    padding-right: 10px;
    white-space: normal;
    text-align: center;
  }

  .hero-stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 12px;
  }

  .hero-stat-item {
    min-width: 0;
  }

  .hero-stat-label {
    overflow-wrap: anywhere;
  }

  .header-cta .btn-search {
    width: 40px;
    min-width: 40px;
    flex: 0 0 40px;
    padding: 0;
  }

  .header-cta .btn-search svg {
    width: 18px;
    height: 18px;
    flex: 0 0 18px;
  }
}

@media (max-width: 360px) {
  .container {
    padding-left: 12px;
    padding-right: 12px;
  }

  .hero-stats {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .hero-stat-item {
    display: grid;
    grid-template-columns: 72px minmax(0, 1fr);
    align-items: baseline;
    column-gap: 8px;
  }

  .hero-stat-number {
    font-size: 1.35rem;
  }
}

/* =========================================
   Scroll Animations
   ========================================= */
.fade-up {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-up.in-view {
  opacity: 1;
  transform: translateY(0);
}

.fade-up-delay-1 { transition-delay: 0.1s; }
.fade-up-delay-2 { transition-delay: 0.2s; }
.fade-up-delay-3 { transition-delay: 0.3s; }
.fade-up-delay-4 { transition-delay: 0.4s; }

#hero-contact {
  scroll-margin-top: 132px;
}

#hero-contact.contact-focus {
  animation: contact-card-focus 1.2s ease-out;
}

@keyframes contact-card-focus {
  0% { box-shadow: 0 0 0 0 rgba(34, 74, 145, 0.48), var(--shadow-lg); }
  45% { box-shadow: 0 0 0 12px rgba(34, 74, 145, 0.14), var(--shadow-lg); }
  100% { box-shadow: var(--shadow-lg); }
}

@media (prefers-reduced-motion: reduce) {
  .benefit-item {
    animation: none;
  }

  .benefit-icon::after {
    animation: none;
  }

  .benefit-item:hover .benefit-icon,
  .benefit-item:focus-within .benefit-icon {
    transform: none;
  }

  .benefit-item:hover,
  .benefit-item:focus-within {
    transform: none;
  }
}

/* =========================================
   Home Loans Quote Enquiry Multi-Step Modal
   ========================================= */
.quote-wizard-modal {
  position: fixed;
  inset: 0;
  z-index: 99999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  background: rgba(15, 23, 42, 0.72);
  backdrop-filter: blur(8px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease;
}

.quote-wizard-modal.active {
  opacity: 1;
  pointer-events: auto;
}

.quote-wizard-dialog {
  position: relative;
  width: 100%;
  max-width: 980px;
  max-height: 90vh;
  background: #ffffff;
  border-radius: 16px;
  box-shadow: 0 24px 48px -12px rgba(15, 23, 42, 0.35);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  font-family: 'Lato', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

.quote-wizard-header {
  padding: 18px 24px;
  background: #0f2b48;
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.quote-wizard-title-group {
  display: flex;
  align-items: center;
  gap: 12px;
}

.quote-wizard-title-group h2 {
  font-size: 1.15rem;
  font-weight: 800;
  color: #ffffff;
  margin: 0;
}

.quote-wizard-step-badge {
  background: rgba(255, 255, 255, 0.15);
  color: #38bdf8;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.quote-wizard-close {
  background: transparent;
  border: none;
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.5rem;
  line-height: 1;
  cursor: pointer;
  padding: 4px;
  transition: color 0.15s;
}

.quote-wizard-close:hover {
  color: #ffffff;
}

.quote-wizard-progress-bar {
  width: 100%;
  height: 4px;
  background: #e2e8f0;
  position: relative;
}

.quote-wizard-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, #224a91, #0284c7);
  width: 14.28%;
  transition: width 0.3s ease;
}

.quote-wizard-body {
  display: grid;
  grid-template-columns: 1fr 320px;
  flex: 1;
  overflow-y: auto;
}

@media (max-width: 768px) {
  .quote-wizard-body {
    grid-template-columns: 1fr;
  }
}

.quote-wizard-main {
  padding: 28px;
  display: flex;
  flex-direction: column;
}

.quote-wizard-step-title {
  font-size: 1.35rem;
  font-weight: 900;
  color: #0f2b48;
  margin: 0 0 16px;
}

.quote-field-group {
  margin-bottom: 24px;
}

.quote-field-label {
  display: block;
  font-size: 0.95rem;
  font-weight: 700;
  color: #1e293b;
  margin-bottom: 6px;
}

.quote-field-sublabel {
  display: block;
  font-size: 0.8rem;
  color: #64748b;
  margin-bottom: 12px;
  line-height: 1.4;
}

.quote-options-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 12px;
}

.quote-option-card {
  position: relative;
  border: 2px solid #e2e8f0;
  border-radius: 10px;
  padding: 14px 16px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #ffffff;
  transition: all 0.18s ease;
  user-select: none;
}

.quote-option-card:hover {
  border-color: #94a3b8;
  background: #f8fafc;
}

.quote-option-card.active {
  border-color: #224a91;
  background: #f0f6ff;
  box-shadow: 0 4px 12px rgba(34, 74, 145, 0.12);
}

.quote-option-card input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.quote-option-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: #1e293b;
}

.quote-option-card.active .quote-option-label {
  color: #224a91;
}

.quote-option-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  border: 2px solid #cbd5e1;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  color: #ffffff;
  transition: all 0.18s;
}

.quote-option-card.active .quote-option-check {
  background: #224a91;
  border-color: #224a91;
}

.quote-input-box {
  position: relative;
  display: flex;
  align-items: center;
}

.quote-input-box span.prefix {
  position: absolute;
  left: 14px;
  font-size: 1rem;
  font-weight: 700;
  color: #64748b;
}

.quote-input-box span.suffix {
  position: absolute;
  right: 14px;
  font-size: 0.9rem;
  font-weight: 700;
  color: #64748b;
}

.quote-input-field {
  width: 100%;
  padding: 12px 14px;
  border: 2px solid #cbd5e1;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 600;
  color: #0f172a;
  outline: none;
  transition: border-color 0.15s;
}

.quote-input-box span.prefix + .quote-input-field {
  padding-left: 32px;
}

.quote-input-box span.suffix ~ .quote-input-field {
  padding-right: 42px;
}

.quote-input-field:focus {
  border-color: #224a91;
  box-shadow: 0 0 0 3px rgba(34, 74, 145, 0.15);
}

.quote-sidebar-summary {
  background: #f8fafc;
  border-left: 1px solid #e2e8f0;
  padding: 24px;
  display: flex;
  flex-direction: column;
}

.quote-sidebar-title {
  font-size: 1rem;
  font-weight: 800;
  color: #0f2b48;
  margin: 0 0 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.quote-summary-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex: 1;
}

.quote-summary-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-bottom: 8px;
  border-bottom: 1px dashed #e2e8f0;
}

.quote-summary-key {
  font-size: 0.75rem;
  font-weight: 700;
  color: #64748b;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.quote-summary-val {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0f2b48;
}

.quote-wizard-footer {
  padding: 16px 28px;
  background: #ffffff;
  border-top: 1px solid #e2e8f0;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.quote-btn-prev {
  background: #f1f5f9;
  color: #475569;
  border: none;
  padding: 10px 20px;
  border-radius: 8px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.15s;
}

.quote-btn-prev:hover {
  background: #e2e8f0;
  color: #0f172a;
}

.quote-btn-next {
  background: #224a91;
  color: #ffffff;
  border: none;
  padding: 12px 28px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 0.95rem;
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
}

.quote-btn-next:hover {
  background: #1b3e7a;
  transform: translateY(-1px);
}

/* =========================================
   Universal Mobile Responsiveness Fixes
   ========================================= */
html, body {
  width: 100%;
  max-width: 100vw;
  overflow-x: hidden;
}

@media (max-width: 768px) {
  .hero-inner {
    padding: 24px 0 32px !important;
    gap: 20px !important;
  }

  .hero h1 {
    font-size: clamp(1.55rem, 7vw, 2.1rem) !important;
    line-height: 1.25 !important;
    word-break: break-word !important;
    overflow-wrap: anywhere !important;
  }

  .hero-lead {
    font-size: 0.92rem !important;
    line-height: 1.5 !important;
    margin-bottom: 18px !important;
  }

  .hero-actions {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    gap: 10px !important;
  }

  .hero-actions .btn {
    width: 100% !important;
    justify-content: center !important;
    text-align: center !important;
  }

  .hero-card-wrap {
    width: 100% !important;
    max-width: 100% !important;
    padding: 0 !important;
    margin: 0 !important;
  }

  .hero-card {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
    padding: 18px 14px !important;
    margin: 0 !important;
  }

  .hero-card-form .form-group input,
  .hero-card-form .form-group select {
    font-size: 16px !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }

  .why-us-inner {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }

  .why-reasons {
    display: flex !important;
    flex-direction: column !important;
    gap: 14px !important;
    width: 100% !important;
  }

  .why-reason {
    display: flex !important;
    flex-direction: row !important;
    align-items: flex-start !important;
    gap: 14px !important;
    padding: 14px !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }
}


/* Full Wide Alignment matching markings in Image 2 */
.header-top-inner,
.header-inner,
.container {
  max-width: 1420px !important;
}

/* Article Header Rich Photography Background (No blue tint, clear picture with subtle blur) */
.article-header {
  position: relative;
  background-color: #1e293b;
  color: #ffffff;
  padding: 48px 0 42px;
  overflow: hidden;
  border-radius: 0 0 16px 16px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.18);
}
.article-header-bg {
  position: absolute;
  top: -15px;
  left: -15px;
  right: -15px;
  bottom: -15px;
  background-image: url('../images/first-home-buyers-hero.jpg');
  background-size: cover;
  background-position: center 25%;
  filter: blur(3px) brightness(0.92) saturate(1.1);
  transform: scale(1.05);
  z-index: 1;
}
.article-header-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(180deg, rgba(0, 0, 0, 0.22) 0%, rgba(0, 0, 0, 0.42) 100%);
  z-index: 2;
}

/* Sidebar Column & Sticky Assessment CTA Card below Related Guides */
.article-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.sidebar-sticky-cta-card {
  position: sticky;
  top: 86px;
  z-index: 50;
  background: linear-gradient(135deg, #0f2341 0%, #17345f 100%);
  border: 1.5px solid rgba(255, 220, 74, 0.4);
  border-radius: 16px;
  padding: 26px 20px;
  color: #ffffff;
  box-shadow: 0 12px 32px rgba(15, 35, 65, 0.22);
  text-align: left;
  overflow: hidden;
}

.sidebar-cta-badge {
  display: inline-block;
  background: rgba(255, 220, 74, 0.2);
  color: #ffdc4a;
  border: 1px solid rgba(255, 220, 74, 0.45);
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
}

.sidebar-cta-heading {
  font-size: 1.15rem;
  font-family: var(--font-heading);
  color: #ffffff;
  margin: 0 0 10px;
  line-height: 1.35;
}

.sidebar-cta-subtext {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.9);
  margin: 0 0 16px;
  line-height: 1.5;
}

.sidebar-cta-buttons {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 16px;
}

.btn-sidebar-gold {
  background: #ffdc4a;
  color: #0f2b48;
  padding: 12px 16px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 0.9rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  box-shadow: 0 4px 14px rgba(255, 220, 74, 0.4);
  transition: all 0.2s ease;
}

.btn-sidebar-gold:hover {
  background: #ffe366;
  transform: translateY(-2px);
}

.btn-sidebar-navy {
  background: rgba(255, 255, 255, 0.16);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.35);
  padding: 11px 16px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 0.88rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: all 0.2s ease;
}

.btn-sidebar-navy:hover {
  background: rgba(255, 255, 255, 0.26);
}

.btn-sidebar-outline {
  background: transparent;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.35);
  padding: 10px 16px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 0.85rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: all 0.2s ease;
}

.btn-sidebar-outline:hover {
  background: rgba(255, 255, 255, 0.15);
}

.sidebar-cta-trust-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.76rem;
  color: rgba(255, 255, 255, 0.82);
  font-weight: 700;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 12px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

/* Fix Sticky Sidebar Behavior */
.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 340px;
  gap: 40px;
  padding: 44px 0 80px;
  align-items: stretch !important;
  position: relative;
}

.article-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
  height: 100% !important;
  position: relative !important;
}

.sidebar-sticky-cta-card {
  position: -webkit-sticky !important;
  position: sticky !important;
  top: 96px !important;
  z-index: 100 !important;
  align-self: flex-start !important;
  width: 100% !important;
}


/* Ultra-Smooth CSS Transitions for Dynamic Auto-Closing Accordions */
.article-section-accordion {
  background: #ffffff;
  border: 1.5px solid #e2e8f0;
  border-radius: 12px;
  margin-bottom: 20px;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.03);
  transition: border-color 0.3s ease, box-shadow 0.3s ease;
}
.article-section-accordion.open {
  border-color: #cbd5e1;
  box-shadow: 0 6px 20px rgba(15, 35, 65, 0.06);
}
.article-section-accordion-header {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  background: #f8fafc;
  border: none;
  cursor: pointer;
  text-align: left;
  transition: background 0.2s ease;
}
.article-section-accordion-header:hover {
  background: #f1f5f9;
}
.article-section-accordion.open .article-section-accordion-header {
  background: #ffffff;
  border-bottom: 1.5px solid #f1f5f9;
}
.article-section-accordion-body {
  max-height: 4000px;
  opacity: 1;
  overflow: hidden;
  padding: 24px;
  transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.3s ease, padding 0.35s ease;
}
.article-section-accordion:not(.open) .article-section-accordion-body {
  max-height: 0 !important;
  opacity: 0 !important;
  padding-top: 0 !important;
  padding-bottom: 0 !important;
  overflow: hidden !important;
}


/* ==========================================================================
   EZ Mortgage Broker - Unified Inter Typography & Brand System
   ========================================================================== */


:root {
  --ez-navy: #0A2540;
  --ez-teal: #00876C;
  --ez-teal-hover: #006852;
  --ez-blue: #1D4ED8;
  --ez-charcoal: #1E293B;
  --ez-muted: #64748B;
  --ez-bg-light: #F8FAFC;
  --ez-border: #E2E8F0;
  --ez-white: #FFFFFF;
  --font-main: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

body, html, h1, h2, h3, h4, h5, h6, p, span, a, button, input, select, textarea {
  font-family: var(--font-main) !important;
}

/* Headings Consistency */
h1, .article-title-h1 {
  font-family: var(--font-main) !important;
  font-weight: 700 !important;
  letter-spacing: -0.025em !important;
  line-height: 1.2 !important;
}

h2, .article-section-accordion-header h2 {
  font-family: var(--font-main) !important;
  font-weight: 700 !important;
  letter-spacing: -0.02em !important;
  line-height: 1.3 !important;
}

h3, h4, .sidebar-accordion-header h4 {
  font-family: var(--font-main) !important;
  font-weight: 600 !important;
  letter-spacing: -0.01em !important;
}

/* Body Text Readability */
p, .article-main-content p {
  color: var(--ez-charcoal) !important;
  line-height: 1.65 !important;
  font-size: 1.05rem;
}

/* Column 2 Sidebar Accordion Transitions */
.sidebar-accordion-widget {
  background: #ffffff;
  border: 1.5px solid #e2e8f0;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(0,0,0,0.04);
  margin-bottom: 16px;
  transition: all 0.3s ease;
}
.sidebar-accordion-widget.open {
  border-color: #cbd5e1;
  box-shadow: 0 6px 20px rgba(15, 35, 65, 0.06);
}
.sidebar-accordion-header {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px;
  background: #ffffff;
  border: none;
  cursor: pointer;
  text-align: left;
  border-bottom: 1.5px solid #f1f5f9;
  transition: background 0.2s ease;
}
.sidebar-accordion-header:hover {
  background: #f8fafc;
}
.sidebar-accordion-header h4 {
  color: var(--ez-navy);
  font-size: 1.05rem;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 6px;
}
.sidebar-accordion-icon {
  font-size: 1.2rem;
  font-weight: 900;
  color: #224a91;
  transition: transform 0.2s ease;
}
.sidebar-accordion-body {
  max-height: 1200px;
  opacity: 1;
  overflow: hidden;
  padding: 16px 18px;
  transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.3s ease, padding 0.35s ease;
}
.sidebar-accordion-widget:not(.open) .sidebar-accordion-body {
  max-height: 0 !important;
  opacity: 0 !important;
  padding-top: 0 !important;
  padding-bottom: 0 !important;
  overflow: hidden !important;
}

/* Mobile Sticky Bottom Thumb-Zone Bar */
.ez-mobile-bottom-bar {
  display: none;
}

@media (max-width: 768px) {
  .ez-mobile-bottom-bar {
    display: flex;
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 56px;
    background: #FFFFFF;
    box-shadow: 0 -3px 14px rgba(0,0,0,0.15);
    z-index: 9999;
  }
  .mobile-btn {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    font-weight: 700;
    font-size: 14px;
    gap: 6px;
  }
  .call-btn {
    background: var(--ez-navy);
    color: #FFFFFF;
  }
  .form-btn {
    background: var(--ez-teal);
    color: #FFFFFF;
  }
  body {
    padding-bottom: 56px;
  }
}

/* 2-Step 360° Review Lead Modal */
.ez-modal-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(10, 37, 64, 0.75);
  backdrop-filter: blur(5px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 99999;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease, visibility 0.25s ease;
  padding: 16px;
}
.ez-modal-overlay.active {
  opacity: 1;
  visibility: visible;
}
.ez-modal-card {
  background: #FFFFFF;
  width: 100%;
  max-width: 520px;
  border-radius: 16px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
  padding: 28px 24px;
  position: relative;
  transform: translateY(20px);
  transition: transform 0.25s ease;
  color: var(--ez-charcoal);
  box-sizing: border-box;
}
.ez-modal-overlay.active .ez-modal-card {
  transform: translateY(0);
}
.ez-modal-close {
  position: absolute;
  top: 14px;
  right: 18px;
  background: transparent;
  border: none;
  font-size: 28px;
  color: var(--ez-muted);
  cursor: pointer;
  line-height: 1;
}
.ez-modal-close:hover { color: var(--ez-navy); }
.ez-badge {
  display: inline-block;
  background: #E6F4F1;
  color: var(--ez-teal);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 20px;
  margin-bottom: 8px;
}
.ez-modal-header {
  text-align: center;
  margin-bottom: 20px;
}
.ez-modal-header h3 {
  margin: 0 0 4px;
  font-size: 22px;
  color: var(--ez-navy);
  font-weight: 700;
}
.ez-modal-header p {
  margin: 0;
  font-size: 13px;
  color: var(--ez-muted);
}
.ez-progress-bar {
  width: 100%;
  height: 4px;
  background: var(--ez-border);
  border-radius: 2px;
  margin-top: 16px;
  overflow: hidden;
}
.ez-progress-fill {
  width: 50%;
  height: 100%;
  background: var(--ez-teal);
  transition: width 0.3s ease;
}
.ez-form-step { display: none; }
.ez-form-step.active { display: block; }
.ez-field-label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--ez-navy);
}
.ez-grid-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 18px;
}
.ez-option-tile input {
  position: absolute;
  opacity: 0;
}
.tile-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 12px 8px;
  border: 1.5px solid var(--ez-border);
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s ease;
  background: var(--ez-bg-light);
}
.tile-icon { font-size: 20px; margin-bottom: 4px; }
.tile-title { font-size: 13px; font-weight: 600; text-align: center; color: var(--ez-navy); }
.ez-option-tile input:checked + .tile-content {
  border-color: var(--ez-teal);
  background: #F0FDF4;
  box-shadow: 0 0 0 1px var(--ez-teal);
}
.ez-form-group { margin-bottom: 14px; }
.ez-input {
  width: 100%;
  height: 46px;
  padding: 0 14px;
  border: 1.5px solid var(--ez-border);
  border-radius: 8px;
  font-size: 15px;
  color: var(--ez-charcoal);
  box-sizing: border-box;
  background: #FFF;
}
.ez-input:focus {
  outline: none;
  border-color: var(--ez-teal);
  box-shadow: 0 0 0 3px rgba(0, 135, 108, 0.15);
}
.ez-btn-submit {
  width: 100%;
  height: 48px;
  background: var(--ez-teal);
  color: #FFF;
  border: none;
  border-radius: 8px;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s ease, transform 0.1s ease;
}
.ez-btn-submit:hover {
  background: var(--ez-teal-hover);
  transform: translateY(-1px);
}
.ez-button-group {
  display: flex;
  gap: 10px;
  margin-top: 10px;
}
.ez-btn-back {
  width: 35%;
  height: 48px;
  background: transparent;
  border: 1.5px solid var(--ez-border);
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ez-muted);
  cursor: pointer;
}
.ez-btn-back:hover {
  background: var(--ez-bg-light);
  color: var(--ez-navy);
}
.ez-form-footer {
  text-align: center;
  margin-top: 14px;
}
.ez-form-footer p {
  font-size: 11px;
  color: var(--ez-muted);
  line-height: 1.4;
  margin: 0;
}

/* Hero Header Specific Text Contrast Overrides */
.article-header, 
.article-header p, 
.article-header h1, 
.article-header .article-title-h1, 
.article-header .article-lead-summary,
.article-header .article-last-updated-badge {
  color: #ffffff !important;
}

.article-header .article-lead-summary {
  color: #ffffff !important;
  font-size: 1.15rem !important;
  line-height: 1.65 !important;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.95) !important;
  font-weight: 500 !important;
}

.sidebar-sticky-cta-card, 
.sidebar-sticky-cta-card h3, 
.sidebar-sticky-cta-card p, 
.sidebar-sticky-cta-card .sidebar-cta-subtext {
  color: #ffffff !important;
}

/* Rich Tables Styling */
.article-data-table-wrapper {
  width: 100%;
  overflow-x: auto;
  margin: 20px 0;
  border-radius: 12px;
  border: 1.5px solid #e2e8f0;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.04);
}
.article-data-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 0.95rem;
}
.article-data-table th {
  background: #0A2540;
  color: #ffffff !important;
  padding: 14px 16px;
  font-weight: 700;
  border: 1px solid #17345f;
}
.article-data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid #e2e8f0;
  color: #1E293B;
}
.article-data-table tr:nth-child(even) {
  background: #f8fafc;
}
.article-data-table tr:hover {
  background: #f1f5f9;
}

/* Checklist Bullet Boxes */
.article-checklist-card {
  background: #f0fdf4;
  border: 1.5px solid #bbf7d0;
  border-radius: 12px;
  padding: 20px;
  margin: 20px 0;
}
.article-checklist-card h4 {
  color: #166534;
  margin: 0 0 12px;
  font-size: 1.1rem;
  font-weight: 700;
}
.article-checklist-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.article-checklist-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: #1e293b;
  font-size: 0.95rem;
  line-height: 1.5;
}
.article-checklist-list li strong {
  color: #0f172a;
}

.about-section .section-label {
  color: #1D4ED8 !important; /* Brand Blue */
  font-weight: 800 !important;
  letter-spacing: 0.12em !important;
}


/* =========================================
   White Theme Site Footer
   ========================================= */
.site-footer {
  background: #ffffff !important;
  color: #475569 !important;
  border-top: 1.5px solid #e2e8f0;
  padding: 64px 0 0;
}

.site-footer-compact {
  padding-top: 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.3fr;
  gap: 40px;
  padding-bottom: 48px;
}

.footer-brand .logo-name {
  color: #0A2540 !important;
}

.footer-brand .logo-tagline {
  color: #64748b !important;
}

.footer-brand-desc,
.footer-brand p {
  color: #475569 !important;
  font-size: 0.95rem !important;
  line-height: 1.65 !important;
  font-weight: 400 !important;
  margin-top: 16px !important;
  margin-bottom: 24px !important;
  max-width: 320px;
}

.footer-col h4 {
  color: #0A2540 !important;
  font-size: 0.95rem !important;
  font-family: var(--font-body);
  font-weight: 800 !important;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  font-size: 0.92rem !important;
  color: #475569 !important;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.2s ease, transform 0.2s ease;
  display: inline-block;
}

.footer-links a:hover {
  color: #1D4ED8 !important;
  transform: translateX(3px);
}

/* Colorful Social Icons */
.footer-social {
  display: flex;
  gap: 12px;
}

.social-link {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.2s ease;
}

.social-fb {
  background: #eff6ff;
  color: #1877f2 !important;
  border: 1px solid #bfdbfe;
}
.social-fb:hover {
  background: #1877f2;
  color: #ffffff !important;
  transform: translateY(-2px);
}

.social-in {
  background: #f0f9ff;
  color: #0077b5 !important;
  border: 1px solid #bae6fd;
}
.social-in:hover {
  background: #0077b5;
  color: #ffffff !important;
  transform: translateY(-2px);
}

.social-ig {
  background: #fdf2f8;
  color: #e1306c !important;
  border: 1px solid #fbcfe8;
}
.social-ig:hover {
  background: #e1306c;
  color: #ffffff !important;
  transform: translateY(-2px);
}

/* Colorful Contact Badges & Details */
.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: #475569 !important;
  line-height: 1.45;
}

.footer-contact-item strong {
  color: #0A2540;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.icon-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 8px;
  font-size: 1rem;
  flex-shrink: 0;
}

.icon-phone { background: #eff6ff; border: 1px solid #bfdbfe; }
.icon-email { background: #fef3c7; border: 1px solid #fde68a; }
.icon-loc   { background: #fee2e2; border: 1px solid #fecaca; }
.icon-clock { background: #ecfdf5; border: 1px solid #a7f3d0; }

.footer-contact-link {
  color: #0A2540 !important;
  font-weight: 800 !important;
  font-weight: 700;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-contact-link:hover {
  color: #1D4ED8 !important;
  text-decoration: underline;
}

.footer-bottom {
  background: #f8fafc;
  border-top: 1px solid #e2e8f0;
  padding: 24px 0;
  margin-top: 20px;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-bottom-inner p {
  font-size: 0.86rem !important;
  color: #64748b !important;
  margin: 0;
}

.footer-legal {
  display: flex;
  gap: 16px;
}

.footer-legal a {
  color: #64748b !important;
  font-size: 0.86rem;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-legal a:hover {
  color: #0A2540 !important;
  text-decoration: underline;
}


/* =========================================
   Why Choose Us - Light Blue 2-Column Theme
   ========================================= */
.benefits-section-split {
  background: #F0F7FF !important; /* Premium soft light blue */
  padding: 80px 0;
  border-top: 1px solid #E2E8F0;
  border-bottom: 1px solid #E2E8F0;
}

.benefits-split-layout {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: center;
}

.benefits-badge {
  display: inline-block;
  background: #0A2540;
  color: #ffffff !important;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  padding: 6px 14px;
  border-radius: 6px;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.benefits-split-title {
  font-size: clamp(2rem, 3.4vw, 2.75rem);
  font-weight: 800;
  color: #0A2540 !important;
  line-height: 1.2;
  letter-spacing: -0.025em;
  margin-bottom: 20px;
}

.benefits-split-lead {
  font-size: 1.12rem;
  color: #334155 !important;
  line-height: 1.65;
  margin-bottom: 14px;
  font-weight: 500;
}

.benefits-split-sub {
  font-size: 0.98rem;
  color: #64748B !important;
  line-height: 1.6;
  margin-bottom: 28px;
}

.benefits-split-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.benefits-split-right {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.benefit-split-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: #ffffff;
  border: 1.5px solid #DCE9FE;
  border-radius: 14px;
  padding: 16px 20px;
  box-shadow: 0 4px 14px rgba(10, 37, 64, 0.03);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.benefit-split-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(10, 37, 64, 0.07);
  border-color: #BFDBFE;
}

.benefit-split-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: #DBEAFE;
  color: #1D4ED8;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  font-weight: 900;
  flex-shrink: 0;
}

.benefit-split-content h3 {
  font-size: 1.05rem;
  color: #0A2540 !important;
  font-weight: 700;
  margin: 0 0 4px;
}

.benefit-split-content p {
  font-size: 0.88rem;
  color: #475569 !important;
  line-height: 1.5;
  margin: 0;
}

@media (max-width: 900px) {
  .benefits-split-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

/* =========================================
   Light Blue Theme Site Footer
   ========================================= */
.site-footer {
  background: #F0F7FF !important; /* Premium soft light blue */
  color: #334155 !important;
  border-top: 1.5px solid #DCE9FE;
  padding: 64px 0 0;
}

.site-footer-compact {
  padding-top: 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.3fr;
  gap: 40px;
  padding-bottom: 48px;
}

.footer-brand .logo-name {
  color: #0A2540 !important;
}

.footer-brand .logo-tagline {
  color: #64748B !important;
}

.footer-brand-desc,
.footer-brand p {
  color: #475569 !important;
  font-size: 0.95rem !important;
  line-height: 1.65 !important;
  font-weight: 400 !important;
  margin-top: 16px !important;
  margin-bottom: 24px !important;
  max-width: 320px;
}

.footer-col h4 {
  color: #0A2540 !important;
  font-size: 0.95rem !important;
  font-family: var(--font-body);
  font-weight: 800 !important;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  font-size: 0.92rem !important;
  color: #475569 !important;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.2s ease, transform 0.2s ease;
  display: inline-block;
}

.footer-links a:hover {
  color: #1D4ED8 !important;
  transform: translateX(3px);
}

/* Colorful Social Icons */
.footer-social {
  display: flex;
  gap: 12px;
}

.social-link {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
  transition: all 0.2s ease;
}

.social-fb {
  background: #DBEAFE;
  color: #1877f2 !important;
  border: 1px solid #BFDBFE;
}
.social-fb:hover {
  background: #1877f2;
  color: #ffffff !important;
  transform: translateY(-2px);
}

.social-in {
  background: #E0F2FE;
  color: #0077b5 !important;
  border: 1px solid #BAE6FD;
}
.social-in:hover {
  background: #0077b5;
  color: #ffffff !important;
  transform: translateY(-2px);
}

.social-ig {
  background: #FDF2F8;
  color: #e1306c !important;
  border: 1px solid #FBCFE8;
}
.social-ig:hover {
  background: #e1306c;
  color: #ffffff !important;
  transform: translateY(-2px);
}

/* Colorful Contact Badges & Details */
.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: #475569 !important;
  line-height: 1.45;
}

.footer-contact-item strong {
  color: #0A2540;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.icon-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 8px;
  font-size: 1rem;
  flex-shrink: 0;
}

.icon-phone { background: #DBEAFE; border: 1px solid #BFDBFE; }
.icon-email { background: #FEF3C7; border: 1px solid #FDE68A; }
.icon-loc   { background: #FEE2E2; border: 1px solid #FECACA; }
.icon-clock { background: #ECFDF5; border: 1px solid #A7F3D0; }

.footer-contact-link {
  color: #0A2540 !important;
  font-weight: 800 !important;
  font-weight: 700;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-contact-link:hover {
  color: #1D4ED8 !important;
  text-decoration: underline;
}

.footer-bottom {
  background: #E5F0FD;
  border-top: 1px solid #DCE9FE;
  padding: 24px 0;
  margin-top: 20px;
}

.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-bottom-inner p {
  font-size: 0.86rem !important;
  color: #475569 !important;
  margin: 0;
}

.footer-legal {
  display: flex;
  gap: 16px;
}

.footer-legal a {
  color: #475569 !important;
  font-size: 0.86rem;
  font-weight: 500;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-legal a:hover {
  color: #0A2540 !important;
  text-decoration: underline;
}


/* 5-Column Grid Layout for Desktop */
.footer-grid-5 {
  display: grid;
  grid-template-columns: 1.8fr 1.1fr 1.2fr 1.1fr 1.4fr;
  gap: 32px;
  padding-bottom: 48px;
}

@media (max-width: 1100px) {
  .footer-grid-5 {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }
}

@media (max-width: 768px) {
  .footer-grid-5 {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

.footer-bottom-dark a:hover {
  color: #FFDC4A !important;
  text-decoration: underline;
}

.insight-img {
  height: 200px;
  position: relative;
  overflow: hidden;
  display: block;
}

.insight-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.insight-card:hover .insight-img img {
  transform: scale(1.05);
}


/* =========================================
   About EZ Mortgage Broker - Rich Animated Cards
   ========================================= */
.about-section {
  position: relative;
  overflow: hidden;
}

.about-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
  perspective: 1000px;
}

@media (max-width: 900px) {
  .about-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
}

.about-card {
  position: relative;
  background: #ffffff;
  border: 1.5px solid #DCE9FE;
  border-radius: 20px;
  padding: 38px 28px 32px;
  text-align: left;
  box-shadow: 0 4px 20px rgba(10, 37, 64, 0.05);
  transition: all 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  z-index: 1;
}

/* Animated Top Accent Shimmer Gradient Bar */
.about-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #1D4ED8 0%, #3B82F6 50%, #60A5FA 100%);
  opacity: 0.6;
  transition: height 0.35s ease, opacity 0.35s ease;
  z-index: 2;
}

/* Subtle Ambient Glow Background on Hover */
.about-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 0%, rgba(219, 234, 254, 0.45) 0%, transparent 70%);
  opacity: 0;
  transition: opacity 0.35s ease;
  pointer-events: none;
  z-index: 0;
}

.about-card:hover {
  transform: translateY(-8px) scale(1.015);
  border-color: #93C5FD;
  box-shadow: 0 20px 40px -10px rgba(10, 37, 64, 0.12), 0 0 0 1px rgba(59, 130, 246, 0.2);
}

.about-card:hover::before {
  height: 6px;
  opacity: 1;
}

.about-card:hover::after {
  opacity: 1;
}

/* Floating & Pulsing Animated Icon Badge */
.about-icon {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: #EFF6FF;
  border: 1px solid #DBEAFE;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  margin-bottom: 22px;
  position: relative;
  z-index: 1;
  box-shadow: 0 4px 12px rgba(29, 78, 216, 0.08);
  transition: all 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
  animation: aboutIconFloat 4s ease-in-out infinite;
}

.about-card:nth-child(2) .about-icon {
  animation-delay: 0.8s;
}

.about-card:nth-child(3) .about-icon {
  animation-delay: 1.6s;
}

.about-card:hover .about-icon {
  transform: scale(1.18) rotate(6deg);
  background: linear-gradient(135deg, #DBEAFE 0%, #BFDBFE 100%);
  box-shadow: 0 8px 24px rgba(29, 78, 216, 0.2);
  border-color: #93C5FD;
}

@keyframes aboutIconFloat {
  0%, 100% {
    transform: translateY(0px);
  }
  50% {
    transform: translateY(-4px);
  }
}

.about-card h3 {
  font-size: 1.25rem;
  color: #0A2540 !important;
  font-weight: 800;
  margin: 0 0 12px;
  line-height: 1.3;
  position: relative;
  z-index: 1;
  letter-spacing: -0.015em;
}

.about-card p {
  font-size: 0.96rem !important;
  color: #475569 !important;
  line-height: 1.65;
  margin: 0;
  position: relative;
  z-index: 1;
}


/* =========================================
   Loan Solutions & Business Finance SPA Tabs
   ========================================= */
.loan-tabs-wrapper {
  display: flex;
  justify-content: center;
}

.loan-tab-btn {
  background: transparent;
  border: none;
  padding: 10px 24px;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 700;
  color: #475569;
  cursor: pointer;
  transition: all 0.2s ease;
}

.loan-tab-btn:hover {
  color: #0A2540;
}

.loan-tab-btn.active {
  background: #0A2540;
  color: #ffffff !important;
  box-shadow: 0 4px 12px rgba(10, 37, 64, 0.15);
}

.loan-feature-card {
  background: #ffffff;
  border: 1.5px solid #E2E8F0;
  border-radius: 16px;
  padding: 28px 22px;
  text-align: left;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  display: flex;
  flex-direction: column;
}

.loan-feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 28px rgba(10, 37, 64, 0.08);
  border-color: #0A2540;
}

.loan-feature-card.highlight-card {
  border: 2px solid #0A2540;
  box-shadow: 0 6px 20px rgba(10, 37, 64, 0.06);
}

.loan-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}

@keyframes floatIcon {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-10px); }
}

@media (max-width: 992px) {
  .loan-step-guidance-grid {
    grid-template-columns: 1fr !important;
  }
  .loan-cards-grid {
    grid-template-columns: repeat(2, 1fr) !important;
  }
}

@media (max-width: 600px) {
  .loan-cards-grid {
    grid-template-columns: 1fr !important;
  }
}


@media (max-width: 992px) {
  .business-why-us-grid {
    grid-template-columns: 1fr !important;
    gap: 32px !important;
  }
}


/* =========================================
   Home Loans Sub-Toggle Filter Pills
   ========================================= */
.sub-toggle-wrapper {
  display: flex;
  justify-content: center;
}

.sub-toggle-pill {
  background: transparent;
  border: none;
  padding: 8px 22px;
  border-radius: 24px;
  font-size: 0.94rem;
  font-weight: 700;
  color: #1E3A8A;
  cursor: pointer;
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
}

.sub-toggle-pill:hover {
  background: rgba(191, 219, 254, 0.5);
  color: #0A2540;
}

.sub-toggle-pill.active {
  background: #1D4ED8;
  color: #ffffff !important;
  box-shadow: 0 4px 14px rgba(29, 78, 216, 0.28);
}


/* Prominent & Crisp Brand Logo Dimensions */
.brand-logo,
.logo img,
header .logo img,
.site-header .brand-logo img {
  height: clamp(68px, 6.5vw, 84px) !important;
  max-height: 90px !important;
  width: auto !important;
  max-width: 320px !important;
  object-fit: contain !important;
  display: inline-block !important;
  vertical-align: middle !important;
  transition: transform 0.2s ease, filter 0.2s ease !important;
}

.brand-logo:hover,
.logo img:hover {
  transform: scale(1.02);
}

@media (max-width: 768px) {
  .brand-logo,
  .logo img,
  header .logo img,
  .site-header .brand-logo img {
    height: 54px !important;
    max-height: 60px !important;
    max-width: 220px !important;
  }
}


/* =========================================
   Interactive Multi-Step Assessment Modal Styles
   ========================================= */
@keyframes modalPopIn {
  from {
    opacity: 0;
    transform: scale(0.94) translateY(12px);
  }
  to {
    opacity: 1;
    transform: scale(1) translateY(0);
  }
}

.booking-choice-card {
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1) !important;
}

.booking-choice-card:hover {
  border-color: #1D4ED8 !important;
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 10px 24px rgba(29, 78, 216, 0.12);
}

.booking-choice-card:hover .booking-select-badge {
  background: #1D4ED8 !important;
  color: #ffffff !important;
  border-color: #1D4ED8 !important;
}


/* =========================================
   Universal Modern Data Tables & Accordions
   ========================================= */
.article-data-table,
.comparison-table,
.blog-table,
table {
  width: 100%;
  border-collapse: separate !important;
  border-spacing: 0 !important;
  border: 1.5px solid #CBD5E1 !important;
  border-radius: 12px !important;
  overflow: hidden !important;
  margin: 28px 0 !important;
  background: #ffffff !important;
  box-shadow: 0 4px 16px rgba(10, 37, 64, 0.04) !important;
}

.article-data-table thead,
.comparison-table thead,
.blog-table thead,
table thead {
  background: #F1F5F9 !important;
}

.article-data-table th,
.comparison-table th,
.blog-table th,
table th {
  background: #F1F5F9 !important;
  color: #0A2540 !important;
  font-weight: 800 !important;
  font-size: 0.92rem !important;
  text-transform: uppercase !important;
  letter-spacing: 0.05em !important;
  padding: 16px 20px !important;
  border-bottom: 2px solid #CBD5E1 !important;
  text-align: left !important;
}

.article-data-table td,
.comparison-table td,
.blog-table td,
table td {
  padding: 16px 20px !important;
  border-bottom: 1px solid #E2E8F0 !important;
  color: #334155 !important;
  font-size: 0.95rem !important;
  line-height: 1.6 !important;
  vertical-align: top !important;
}

.article-data-table tbody tr:nth-child(even),
.comparison-table tbody tr:nth-child(even),
.blog-table tbody tr:nth-child(even),
table tbody tr:nth-child(even) {
  background: #F8FAFC !important;
}

.article-data-table tbody tr:hover,
.comparison-table tbody tr:hover,
.blog-table tbody tr:hover,
table tbody tr:hover {
  background: #EFF6FF !important;
}

/* =========================================
   Modern Clean Accordion Styling
   ========================================= */
.section-accordion-item,
.article-accordion-item,
.accordion-item {
  background: #ffffff !important;
  border: 1.5px solid #E2E8F0 !important;
  border-radius: 12px !important;
  margin-bottom: 14px !important;
  overflow: hidden !important;
  box-shadow: 0 2px 8px rgba(10, 37, 64, 0.03) !important;
  transition: all 0.25s ease !important;
}

.section-accordion-item:hover,
.article-accordion-item:hover,
.accordion-item:hover {
  border-color: #BFDBFE !important;
  box-shadow: 0 6px 18px rgba(10, 37, 64, 0.06) !important;
}

.section-accordion-header,
.article-accordion-header,
.accordion-header {
  padding: 16px 22px !important;
  font-size: 1.02rem !important;
  font-weight: 700 !important;
  color: #0A2540 !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  cursor: pointer !important;
  background: #F8FAFC !important;
  border: none !important;
  width: 100% !important;
  text-align: left !important;
  margin: 0 !important;
}

.section-accordion-header h3,
.article-accordion-header h3 {
  font-size: 1.02rem !important;
  font-weight: 700 !important;
  color: #0A2540 !important;
  margin: 0 !important;
}

.section-accordion-header:hover,
.article-accordion-header:hover {
  background: #EFF6FF !important;
  color: #1D4ED8 !important;
}

.accordion-icon {
  font-size: 1.25rem !important;
  font-weight: 700 !important;
  color: #1D4ED8 !important;
}

.program-card {
  background: #ffffff !important;
  border: 1.5px solid #E2E8F0 !important;
  border-radius: 16px !important;
  padding: 24px !important;
  box-shadow: 0 4px 16px rgba(10,37,64,0.04) !important;
  margin-bottom: 20px !important;
}

.program-card h3 {
  font-size: 1.25rem !important;
  color: #0A2540 !important;
  font-weight: 800 !important;
  margin: 10px 0 8px !important;
}

.program-accordion-btn {
  background: #EFF6FF !important;
  border: 1px solid #BFDBFE !important;
  color: #1E3A8A !important;
  padding: 10px 18px !important;
  border-radius: 10px !important;
  font-size: 0.9rem !important;
  font-weight: 700 !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  width: 100% !important;
  cursor: pointer !important;
  margin-top: 16px !important;
  transition: all 0.2s ease !important;
}

.program-accordion-btn:hover {
  background: #DBEAFE !important;
  color: #1D4ED8 !important;
}

.program-accordion-content {
  padding: 14px 12px 6px !important;
}

.program-accordion-content ul {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 10px !important;
}

.program-accordion-content ul li {
  position: relative !important;
  padding-left: 24px !important;
  color: #334155 !important;
  font-size: 0.92rem !important;
  line-height: 1.5 !important;
}

.program-accordion-content ul li::before {
  content: '✓' !important;
  position: absolute !important;
  left: 0 !important;
  color: #16A34A !important;
  font-weight: 800 !important;
  font-size: 1rem !important;
}


/* =========================================================
   Polished Article Section Accordions & Content Data Tables
   ========================================================= */
.article-section-accordion {
  background: #ffffff !important;
  border: 1.5px solid #E2E8F0 !important;
  border-radius: 14px !important;
  margin-bottom: 18px !important;
  overflow: hidden !important;
  box-shadow: 0 4px 14px rgba(10, 37, 64, 0.03) !important;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1) !important;
}

.article-section-accordion:hover {
  border-color: #BFDBFE !important;
  box-shadow: 0 8px 24px rgba(10, 37, 64, 0.06) !important;
}

.article-section-accordion-header {
  padding: 16px 22px !important;
  background: #F8FAFC !important;
  border: none !important;
  border-bottom: 1px solid transparent !important;
  width: 100% !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  cursor: pointer !important;
  text-align: left !important;
  transition: background 0.2s ease, border-color 0.2s ease !important;
}

.article-section-accordion.open .article-section-accordion-header {
  background: #EFF6FF !important;
  border-bottom: 1px solid #DBEAFE !important;
}

.article-section-accordion-header h2,
.article-section-accordion-header h3,
.article-section-accordion-header h4 {
  font-size: 1.08rem !important;
  font-weight: 800 !important;
  color: #0A2540 !important;
  margin: 0 !important;
  line-height: 1.35 !important;
  letter-spacing: -0.01em !important;
}

.article-section-accordion-header:hover h2 {
  color: #1D4ED8 !important;
}

.section-accordion-icon {
  font-size: 1.3rem !important;
  font-weight: 800 !important;
  color: #1D4ED8 !important;
  margin-left: 12px !important;
  flex-shrink: 0 !important;
}

.article-section-accordion-body {
  padding: 24px 22px !important;
  background: #ffffff !important;
}

/* Polished Content Data Table with Clear Header */
.content-data-table {
  width: 100% !important;
  border-collapse: separate !important;
  border-spacing: 0 !important;
  border: 1.5px solid #CBD5E1 !important;
  border-radius: 12px !important;
  overflow: hidden !important;
  margin: 20px 0 !important;
  background: #ffffff !important;
  box-shadow: 0 4px 16px rgba(10, 37, 64, 0.04) !important;
}

.content-data-table thead {
  background: #F1F5F9 !important;
}

.content-data-table th {
  background: #F1F5F9 !important;
  color: #0A2540 !important;
  font-weight: 800 !important;
  font-size: 0.92rem !important;
  text-transform: uppercase !important;
  letter-spacing: 0.06em !important;
  padding: 14px 18px !important;
  border-bottom: 2px solid #CBD5E1 !important;
  border-right: 1px solid #E2E8F0 !important;
  text-align: left !important;
}

.content-data-table th:last-child {
  border-right: none !important;
}

.content-data-table td {
  padding: 14px 18px !important;
  border-bottom: 1px solid #E2E8F0 !important;
  border-right: 1px solid #E2E8F0 !important;
  color: #334155 !important;
  font-size: 0.94rem !important;
  line-height: 1.6 !important;
  vertical-align: top !important;
}

.content-data-table td:last-child {
  border-right: none !important;
}

.content-data-table tbody tr:nth-child(even) {
  background: #F8FAFC !important;
}

.content-data-table tbody tr:hover {
  background: #EFF6FF !important;
}


/* =========================================================
   Standardized Editorial Typography System (typography.md)
   ========================================================= */
:root {
  --font-serif-editorial: sueca_hd_regular, Merriweather, Georgia, "Times New Roman", Times, serif;
  --font-sans-ui: suecanano_regular, Lato, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, "Lucida Grande", sans-serif;
  
  --fs-h1-mobile: 1.6875rem;
  --fs-h1-tablet: 2.5625rem;
  --fs-h1-desktop: 3rem;
  
  --fs-h2: 1.875rem;
  --fs-widget-heading: 0.875rem;
  
  --fs-body-mobile: 1rem;
  --fs-body-desktop: 1.125rem;
  
  --lh-body: 1.6;
}

/* Article Headline Scale */
.article-header h1,
.article-content h1,
.blog-post h1 {
  font-family: var(--font-serif-editorial) !important;
  font-size: var(--fs-h1-mobile) !important;
  line-height: 1.2 !important;
  letter-spacing: -0.02em !important;
  font-weight: 700 !important;
  color: #0A2540 !important;
  margin-bottom: 16px !important;
}

@media (min-width: 768px) {
  .article-header h1,
  .article-content h1,
  .blog-post h1 {
    font-size: var(--fs-h1-tablet) !important;
  }
}

@media (min-width: 1020px) {
  .article-header h1,
  .article-content h1,
  .blog-post h1 {
    font-size: var(--fs-h1-desktop) !important;
  }
}

/* Article Section Subheadings (h2) */
.article-content h2,
.blog-post h2,
.article-section-title {
  font-family: var(--font-serif-editorial) !important;
  font-size: var(--fs-h2) !important;
  line-height: 1.3 !important;
  font-weight: 700 !important;
  color: #0A2540 !important;
  margin: 36px 0 16px !important;
}

/* Widget / Unit Headings */
.widget-heading,
.unit-heading,
.sidebar-block-title,
.sidebar-accordion-header h4 {
  font-family: var(--font-sans-ui) !important;
  font-size: var(--fs-widget-heading) !important;
  font-weight: 800 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.06em !important;
  color: #64748B !important;
}

/* Article Body / Narrative Paragraphs (<p>) */
.article-content p,
.article-body-text,
.blog-post p {
  font-family: var(--font-serif-editorial) !important;
  font-size: var(--fs-body-mobile) !important;
  line-height: var(--lh-body) !important;
  color: #334155 !important;
  margin-bottom: 20px !important;
}

@media (min-width: 768px) {
  .article-content p,
  .article-body-text,
  .blog-post p {
    font-size: var(--fs-body-desktop) !important;
  }
}


/* =========================================================
   Article Highlights Timeline Widget (Column 3)
   ========================================================= */
.article-highlights-widget {
  background: #F8FAFC !important;
  border: 1.5px solid #E2E8F0 !important;
  border-radius: 12px !important;
  overflow: hidden !important;
  margin-bottom: 24px !important;
  box-shadow: 0 4px 16px rgba(10,37,64,0.04) !important;
}

.highlights-widget-header {
  background: #B91C1C !important;
  padding: 14px 18px !important;
}

.highlights-widget-header h3 {
  color: #ffffff !important;
  font-size: 1.15rem !important;
  font-weight: 800 !important;
  margin: 0 !important;
  letter-spacing: -0.01em !important;
}

.highlights-widget-body {
  padding: 18px 18px 20px !important;
}

.highlights-date-label {
  font-size: 0.8rem !important;
  font-weight: 700 !important;
  color: #334155 !important;
  margin-bottom: 16px !important;
  display: block !important;
}

.highlights-timeline {
  position: relative !important;
  padding-left: 20px !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 18px !important;
}

.highlights-timeline::before {
  content: '' !important;
  position: absolute !important;
  left: 4px !important;
  top: 6px !important;
  bottom: 6px !important;
  width: 2px !important;
  background: #CBD5E1 !important;
}

.highlight-timeline-item {
  position: relative !important;
  text-decoration: none !important;
  color: inherit !important;
  display: block !important;
  transition: transform 0.2s ease !important;
  cursor: pointer !important;
}

.highlight-timeline-item:hover {
  transform: translateX(4px) !important;
}

.highlight-timeline-dot {
  position: absolute !important;
  left: -20px !important;
  top: 4px !important;
  width: 10px !important;
  height: 10px !important;
  border-radius: 50% !important;
  background: #B91C1C !important;
  border: 2px solid #ffffff !important;
  box-shadow: 0 0 0 1px #B91C1C !important;
  transition: all 0.2s ease !important;
}

.highlight-timeline-item:hover .highlight-timeline-dot {
  transform: scale(1.3) !important;
  background: #DC2626 !important;
}

.highlight-item-tag {
  font-size: 0.82rem !important;
  font-weight: 800 !important;
  color: #B91C1C !important;
  display: block !important;
  margin-bottom: 3px !important;
  letter-spacing: 0.02em !important;
}

.highlight-item-summary {
  font-size: 0.88rem !important;
  line-height: 1.45 !important;
  color: #334155 !important;
  margin: 0 !important;
  font-weight: 500 !important;
}

.highlight-timeline-item:hover .highlight-item-summary {
  color: #0A2540 !important;
  font-weight: 600 !important;
}

.highlights-footer-btn-wrap {
  margin-top: 20px !important;
  text-align: center !important;
}

.btn-more-highlights {
  width: 100% !important;
  padding: 9px 14px !important;
  background: #ffffff !important;
  border: 1.5px solid #B91C1C !important;
  color: #B91C1C !important;
  border-radius: 6px !important;
  font-weight: 700 !important;
  font-size: 0.85rem !important;
  cursor: pointer !important;
  transition: all 0.2s ease !important;
}

.btn-more-highlights:hover {
  background: #B91C1C !important;
  color: #ffffff !important;
}

@keyframes sectionPulse {
  0% { background-color: #EFF6FF; box-shadow: 0 0 0 4px #3B82F6; }
  50% { background-color: #DBEAFE; box-shadow: 0 0 0 6px #2563EB; }
  100% { background-color: #ffffff; box-shadow: none; }
}

.section-pulse-highlight {
  animation: sectionPulse 1.8s ease-out !important;
}


/* Highlights Accordion Styles */
.highlights-widget-header {
  background: #B91C1C !important;
  padding: 14px 18px !important;
  width: 100% !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  border: none !important;
  cursor: pointer !important;
  text-align: left !important;
  transition: background 0.2s ease !important;
}

.highlights-widget-header:hover {
  background: #991B1B !important;
}

.highlights-accordion-icon {
  color: #ffffff !important;
  font-size: 1.3rem !important;
  font-weight: 800 !important;
  line-height: 1 !important;
}

.article-highlights-widget:not(.open) .highlights-widget-body {
  display: none !important;
}


/* ==========================================================================
   SMART AUTO-MINIMIZING OBLIGATION-FREE ASSESSMENT CARD (WITH ANIMATION)
   ========================================================================== */
.sidebar-sticky-cta-card {
  position: sticky;
  top: 96px;
  z-index: 50;
  background: linear-gradient(145deg, #0A2540 0%, #001B3A 100%);
  border: 1.5px solid rgba(255, 220, 74, 0.45);
  border-radius: 16px;
  padding: 22px 18px;
  color: #ffffff;
  box-shadow: 0 12px 32px rgba(10, 37, 64, 0.25);
  text-align: left;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: transform, padding, max-height, box-shadow;
}

/* Header bar inside CTA card */
.sidebar-cta-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.sidebar-cta-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 220, 74, 0.18);
  color: #ffdc4a;
  border: 1px solid rgba(255, 220, 74, 0.4);
  padding: 4px 10px;
  border-radius: 20px;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0;
}

.sidebar-cta-toggle-btn {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #E2E8F0;
  border-radius: 50%;
  width: 26px;
  height: 26px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s ease;
}

.sidebar-cta-toggle-btn:hover {
  background: rgba(255, 220, 74, 0.3);
  color: #ffdc4a;
  border-color: #ffdc4a;
}

.sidebar-cta-heading {
  font-size: 1.12rem;
  font-family: var(--font-heading);
  color: #ffffff;
  margin: 0 0 8px;
  line-height: 1.35;
  transition: font-size 0.3s ease;
}

.sidebar-cta-collapsible-content {
  max-height: 500px;
  opacity: 1;
  transform: translateY(0);
  transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.3s ease, transform 0.3s ease, margin 0.3s ease;
}

.sidebar-cta-subtext {
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.88);
  margin: 0 0 14px;
  line-height: 1.5;
}

.sidebar-cta-buttons {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 14px;
}

.btn-sidebar-gold {
  background: #ffdc4a;
  color: #0A2540 !important;
  padding: 11px 14px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 0.88rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  box-shadow: 0 4px 14px rgba(255, 220, 74, 0.35);
  transition: all 0.2s ease;
}

.btn-sidebar-gold:hover {
  background: #FFE885;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(255, 220, 74, 0.5);
}

.btn-sidebar-navy {
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff !important;
  padding: 9px 12px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.82rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  transition: all 0.2s ease;
}

.btn-sidebar-navy:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-sidebar-outline {
  background: transparent;
  color: #CBD5E1 !important;
  padding: 8px 12px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.8rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  transition: all 0.2s ease;
}

.btn-sidebar-outline:hover {
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff !important;
}

.sidebar-cta-trust-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-top: 10px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.trust-item {
  font-size: 0.78rem;
  color: #CBD5E1;
  display: flex;
  align-items: center;
  gap: 6px;
}

/* ==========================================================================
   MINIMIZED ON SCROLL STATE (WITH SMOOTH PULSE GLOW ANIMATION)
   ========================================================================== */
@keyframes ctaPulseGlow {
  0%, 100% {
    box-shadow: 0 8px 24px rgba(10, 37, 64, 0.35), 0 0 0 1px rgba(255, 220, 74, 0.4);
  }
  50% {
    box-shadow: 0 10px 28px rgba(10, 37, 64, 0.45), 0 0 0 3px rgba(255, 220, 74, 0.7);
  }
}

.sidebar-sticky-cta-card.is-scrolled-minimized {
  padding: 14px 16px;
  border-radius: 12px;
  border-color: #ffdc4a;
  background: linear-gradient(145deg, #07192C 0%, #00132A 100%);
  animation: ctaPulseGlow 4s infinite ease-in-out;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .sidebar-cta-heading {
  font-size: 0.98rem;
  margin-bottom: 8px;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .sidebar-cta-collapsible-content {
  max-height: 0;
  opacity: 0;
  transform: translateY(-10px);
  margin-bottom: 0;
  pointer-events: none;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .btn-sidebar-gold {
  padding: 9px 12px;
  font-size: 0.84rem;
}

/* Allow full expansion on hover or manual tap */
.sidebar-sticky-cta-card.is-scrolled-minimized:hover,
.sidebar-sticky-cta-card.is-scrolled-minimized.user-expanded {
  padding: 22px 18px;
  border-radius: 16px;
  animation: none;
  box-shadow: 0 14px 36px rgba(10, 37, 64, 0.45), 0 0 0 2px rgba(255, 220, 74, 0.6);
}

.sidebar-sticky-cta-card.is-scrolled-minimized:hover .sidebar-cta-collapsible-content,
.sidebar-sticky-cta-card.is-scrolled-minimized.user-expanded .sidebar-cta-collapsible-content {
  max-height: 500px;
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.sidebar-sticky-cta-card.is-scrolled-minimized:hover .sidebar-cta-heading,
.sidebar-sticky-cta-card.is-scrolled-minimized.user-expanded .sidebar-cta-heading {
  font-size: 1.12rem;
  margin-bottom: 8px;
}


/* ==========================================================================
   OBLIGATION-FREE ASSESSMENT ACCORDION WIDGET (AUTO-CLOSING ON SCROLL)
   ========================================================================== */
.sidebar-sticky-cta-card {
  position: sticky;
  top: 96px;
  z-index: 50;
  background: linear-gradient(145deg, #0A2540 0%, #001B3A 100%);
  border: 1.5px solid rgba(255, 220, 74, 0.45);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 10px 28px rgba(10, 37, 64, 0.25);
  margin-top: 20px;
  transition: all 0.35s ease;
}

.sidebar-sticky-cta-card.sidebar-accordion-widget {
  padding: 0;
}

.cta-sidebar-header {
  width: 100%;
  padding: 14px 18px;
  background: transparent;
  border: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  transition: background 0.2s ease;
}

.cta-sidebar-header:hover {
  background: rgba(255, 255, 255, 0.05);
}

.cta-sidebar-header .sidebar-accordion-icon {
  color: #ffdc4a;
  font-size: 1.3rem;
  font-weight: 700;
  line-height: 1;
}

.cta-sidebar-body {
  padding: 18px;
  display: none;
  animation: fadeInCta 0.3s ease;
}

.sidebar-sticky-cta-card.open .cta-sidebar-body {
  display: block;
}

@keyframes fadeInCta {
  from { opacity: 0; transform: translateY(-6px); }
  to { opacity: 1; transform: translateY(0); }
}

.sidebar-cta-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 220, 74, 0.18);
  color: #ffdc4a;
  border: 1px solid rgba(255, 220, 74, 0.4);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.sidebar-cta-heading {
  font-size: 1.1rem;
  font-family: var(--font-heading);
  color: #ffffff;
  margin: 0 0 10px;
  line-height: 1.35;
}

.sidebar-cta-subtext {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.88);
  margin: 0 0 16px;
  line-height: 1.5;
}

.sidebar-cta-buttons {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 16px;
}

.btn-sidebar-gold {
  background: #ffdc4a;
  color: #0A2540 !important;
  padding: 12px 16px;
  border-radius: 8px;
  font-weight: 800;
  font-size: 0.9rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  box-shadow: 0 4px 14px rgba(255, 220, 74, 0.35);
  transition: all 0.2s ease;
}

.btn-sidebar-gold:hover {
  background: #FFE885;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(255, 220, 74, 0.5);
}

.btn-sidebar-navy {
  background: rgba(255, 255, 255, 0.12);
  color: #ffffff !important;
  padding: 10px 14px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.85rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  transition: all 0.2s ease;
}

.btn-sidebar-navy:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-sidebar-outline {
  background: transparent;
  color: #CBD5E1 !important;
  padding: 9px 12px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.82rem;
  text-decoration: none;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  transition: all 0.2s ease;
}

.btn-sidebar-outline:hover {
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff !important;
}

.sidebar-cta-trust-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.trust-item {
  font-size: 0.78rem;
  color: #CBD5E1;
  display: flex;
  align-items: center;
  gap: 6px;
}


/* ==========================================================================
   PREMIUM STICKY OBLIGATION-FREE ASSESSMENT CARD (COMPACT AUTO-MINIMIZE ON SCROLL)
   ========================================================================== */
.sidebar-sticky-cta-card {
  position: -webkit-sticky !important;
  position: sticky !important;
  top: 96px !important;
  z-index: 100 !important;
  background: linear-gradient(145deg, #0A2540 0%, #001B3A 100%) !important;
  border: 1.5px solid rgba(255, 220, 74, 0.5) !important;
  border-radius: 16px !important;
  padding: 20px 18px !important;
  color: #ffffff !important;
  box-shadow: 0 10px 28px rgba(10, 37, 64, 0.25) !important;
  text-align: left !important;
  overflow: hidden !important;
  margin-top: 20px !important;
  transition: padding 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease, transform 0.35s ease !important;
}

.sidebar-cta-top-bar {
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  margin-bottom: 10px !important;
}

.sidebar-cta-badge {
  display: inline-flex !important;
  align-items: center !important;
  gap: 6px !important;
  background: rgba(255, 220, 74, 0.18) !important;
  color: #ffdc4a !important;
  border: 1px solid rgba(255, 220, 74, 0.45) !important;
  padding: 4px 10px !important;
  border-radius: 20px !important;
  font-size: 0.72rem !important;
  font-weight: 800 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.05em !important;
}

.sidebar-cta-toggle-btn {
  background: rgba(255, 255, 255, 0.12) !important;
  border: 1px solid rgba(255, 255, 255, 0.25) !important;
  color: #ffdc4a !important;
  border-radius: 50% !important;
  width: 26px !important;
  height: 26px !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 0.95rem !important;
  font-weight: 700 !important;
  cursor: pointer !important;
  transition: all 0.2s ease !important;
  line-height: 1 !important;
}

.sidebar-cta-toggle-btn:hover {
  background: rgba(255, 220, 74, 0.3) !important;
  border-color: #ffdc4a !important;
}

.sidebar-cta-heading {
  font-size: 1.08rem !important;
  font-family: var(--font-heading) !important;
  color: #ffffff !important;
  margin: 0 0 10px !important;
  line-height: 1.35 !important;
  transition: font-size 0.3s ease, margin 0.3s ease !important;
}

.sidebar-cta-main-action {
  margin-bottom: 12px !important;
}

.sidebar-cta-collapsible-content {
  max-height: 600px !important;
  opacity: 1 !important;
  transform: translateY(0) !important;
  transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.3s ease, transform 0.3s ease !important;
  overflow: hidden !important;
}

.sidebar-cta-subtext {
  font-size: 0.84rem !important;
  color: rgba(255, 255, 255, 0.88) !important;
  margin: 0 0 12px !important;
  line-height: 1.5 !important;
}

.sidebar-cta-buttons {
  display: flex !important;
  flex-direction: column !important;
  gap: 8px !important;
  margin-bottom: 14px !important;
}

.btn-sidebar-gold {
  background: #ffdc4a !important;
  color: #0A2540 !important;
  padding: 11px 16px !important;
  border-radius: 8px !important;
  font-weight: 800 !important;
  font-size: 0.88rem !important;
  text-decoration: none !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 6px !important;
  box-shadow: 0 4px 14px rgba(255, 220, 74, 0.35) !important;
  transition: all 0.2s ease !important;
  width: 100% !important;
  box-sizing: border-box !important;
}

.btn-sidebar-gold:hover {
  background: #FFE885 !important;
  transform: translateY(-1px) !important;
  box-shadow: 0 6px 18px rgba(255, 220, 74, 0.5) !important;
}

.btn-sidebar-navy {
  background: rgba(255, 255, 255, 0.12) !important;
  color: #ffffff !important;
  padding: 9px 12px !important;
  border-radius: 8px !important;
  font-weight: 700 !important;
  font-size: 0.82rem !important;
  text-decoration: none !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 6px !important;
  border: 1px solid rgba(255, 255, 255, 0.2) !important;
  transition: all 0.2s ease !important;
  width: 100% !important;
  box-sizing: border-box !important;
}

.btn-sidebar-navy:hover {
  background: rgba(255, 255, 255, 0.2) !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
}

.btn-sidebar-outline {
  background: transparent !important;
  color: #CBD5E1 !important;
  padding: 8px 12px !important;
  border-radius: 8px !important;
  font-weight: 700 !important;
  font-size: 0.8rem !important;
  text-decoration: none !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 6px !important;
  border: 1px solid rgba(255, 255, 255, 0.15) !important;
  transition: all 0.2s ease !important;
  width: 100% !important;
  box-sizing: border-box !important;
}

.btn-sidebar-outline:hover {
  background: rgba(255, 255, 255, 0.08) !important;
  color: #ffffff !important;
}

.sidebar-cta-trust-list {
  display: flex !important;
  flex-direction: column !important;
  gap: 5px !important;
  padding-top: 10px !important;
  border-top: 1px solid rgba(255, 255, 255, 0.12) !important;
}

.trust-item {
  font-size: 0.76rem !important;
  color: #CBD5E1 !important;
  display: flex !important;
  align-items: center !important;
  gap: 6px !important;
}

/* ==========================================================================
   MINIMIZED ON SCROLL (SLEEK COMPACT FLOATING CARD)
   ========================================================================== */
@keyframes ctaPulseGlow {
  0%, 100% {
    box-shadow: 0 8px 24px rgba(10, 37, 64, 0.35), 0 0 0 1px rgba(255, 220, 74, 0.4);
  }
  50% {
    box-shadow: 0 10px 28px rgba(10, 37, 64, 0.45), 0 0 0 3px rgba(255, 220, 74, 0.75);
  }
}

.sidebar-sticky-cta-card.is-scrolled-minimized {
  padding: 14px 16px !important;
  border-radius: 14px !important;
  animation: ctaPulseGlow 3.5s infinite ease-in-out !important;
  border-color: #ffdc4a !important;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .sidebar-cta-heading {
  font-size: 0.95rem !important;
  margin-bottom: 8px !important;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .sidebar-cta-main-action {
  margin-bottom: 0 !important;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .btn-sidebar-gold {
  padding: 9px 12px !important;
  font-size: 0.84rem !important;
}

.sidebar-sticky-cta-card.is-scrolled-minimized .sidebar-cta-collapsible-content {
  max-height: 0 !important;
  opacity: 0 !important;
  transform: translateY(-8px) !important;
  pointer-events: none !important;
  margin: 0 !important;
}

/* Instant expansion on hover or manual tap */
.sidebar-sticky-cta-card.is-scrolled-minimized:hover,
.sidebar-sticky-cta-card.is-scrolled-minimized.user-expanded {
  padding: 20px 18px !important;
  animation: none !important;
  box-shadow: 0 14px 36px rgba(10, 37, 64, 0.45), 0 0 0 2px rgba(255, 220, 74, 0.6) !important;
}

.sidebar-sticky-cta-card.is-scrolled-minimized:hover .sidebar-cta-collapsible-content,
.sidebar-sticky-cta-card.is-scrolled-minimized.user-expanded .sidebar-cta-collapsible-content {
  max-height: 600px !important;
  opacity: 1 !important;
  transform: translateY(0) !important;
  pointer-events: auto !important;
  margin-top: 12px !important;
}

.sidebar-sticky-cta-card.is-scrolled-minimized:hover .sidebar-cta-heading,
.sidebar-sticky-cta-card.is-scrolled-minimized.user-expanded .sidebar-cta-heading {
  font-size: 1.08rem !important;
  margin-bottom: 10px !important;
}


/* ==========================================================================
   RESPONSIVE ARTICLE LAYOUT & MOBILE HIGHLIGHTS PLACEMENT
   (Ensures Highlights Widget appears DIRECTLY under Article Header on Mobile)
   ========================================================================== */
@media (max-width: 1024px) {
  .article-layout {
    display: flex !important;
    flex-direction: column !important;
    padding: 20px 0 60px !important;
    gap: 20px !important;
  }

  .article-sidebar {
    display: contents !important; /* Unwraps sidebar container so children can be ordered with flex */
  }

  /* 🌟 TOP PRIORITY ON MOBILE: Crimson Highlights Timeline directly below Article Header */
  .article-highlights-widget {
    order: -10 !important;
    margin-top: 0 !important;
    margin-bottom: 24px !important;
    width: 100% !important;
    box-shadow: 0 6px 20px rgba(168, 17, 39, 0.12) !important;
    border: 2px solid #a81127 !important;
  }

  /* Main Article Body comes immediately after Highlights */
  .article-content-body {
    order: 1 !important;
    width: 100% !important;
  }

  /* Author, Reviews, Calculators, Sticky Assessment CTA come after article text */
  .author-profile-box {
    order: 2 !important;
    margin-top: 20px !important;
    width: 100% !important;
  }

  .google-reviews-sidebar {
    order: 3 !important;
    width: 100% !important;
  }

  .calculators-sidebar-widget {
    order: 4 !important;
    width: 100% !important;
  }

  .related-guides-sidebar {
    order: 5 !important;
    width: 100% !important;
  }

  .sidebar-sticky-cta-card {
    order: 6 !important;
    width: 100% !important;
    position: static !important;
    margin-top: 16px !important;
  }
}