/* === VARIABLES === */
:root {
  --color-primary:      #0AA5AD;   /* Tiffany teal — brand identity */
  --color-primary-dark: #087A80;   /* hover/active shade */
  --color-primary-light:#E0F7F8;   /* tinted backgrounds */
  --color-accent:       #F59E0B;   /* amber gold — CTA buttons, stand-out elements */
  --color-accent-dark:  #D97706;   /* accent hover */
  --color-dark:         #0E1C2F;   /* near-black navy for headings / dark sections */
  --color-dark-mid:     #1A2D44;   /* slightly lighter dark for cards in dark sections */
  --color-light:        #F4F8F9;   /* off-white section backgrounds */
  --color-surface:      #FFFFFF;
  --color-text:         #1A2D44;
  --color-text-muted:   #5A7080;
  --color-text-muted-light: rgba(255,255,255,0.65);
  --color-border:       #E2ECF0;

  --font-heading: 'Sora', sans-serif;
  --font-body:    'Inter', sans-serif;

  --radius-sm:  0.375rem;
  --radius-md:  0.625rem;
  --radius-lg:  1rem;
  --radius-xl:  1.5rem;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.14);

  --container: 1200px;
  --section-py: 5rem;
  --section-py-mobile: 3rem;
}

/* === RESET === */
*, *::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(--color-text);
  background: var(--color-surface);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
address { font-style: normal; }
button { cursor: pointer; font-family: inherit; }
input, select, textarea, button { font-family: inherit; font-size: inherit; }

/* Skip nav */
.skip-nav {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--color-primary);
  color: #fff;
  padding: 0.5rem 1rem;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  z-index: 9999;
  transition: top 0.2s;
}
.skip-nav:focus { top: 0; }

/* === TYPOGRAPHY === */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--color-dark);
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); }
h3 { font-size: 1.25rem; }
h4 { font-size: 0.875rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
p { line-height: 1.7; }

/* === LAYOUT === */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section {
  padding: var(--section-py) 0;
}
.bg-dark  { background: var(--color-dark); }
.bg-light { background: var(--color-light); }
.text-white { color: #ffffff !important; }
.text-muted-light { color: var(--color-text-muted-light) !important; }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 0.65rem 1.4rem;
  border-radius: var(--radius-md);
  border: 2px solid transparent;
  transition: all 0.2s ease;
  cursor: pointer;
  white-space: nowrap;
  text-align: center;
}
.btn:active { transform: scale(0.98); }

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

.btn-accent {
  background: var(--color-accent);
  color: var(--color-dark);
  border-color: var(--color-accent);
  font-weight: 700;
}
.btn-accent:hover { background: var(--color-accent-dark); border-color: var(--color-accent-dark); }

.btn-outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.45);
}
.btn-outline-light:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.8); }

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

.btn-lg { padding: 0.85rem 1.75rem; font-size: 1rem; border-radius: var(--radius-md); }
.btn-sm { padding: 0.45rem 1rem; font-size: 0.875rem; }
.btn-full { width: 100%; justify-content: center; }

/* === NAVIGATION === */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-dark);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: box-shadow 0.3s ease;
}
.site-header.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,0.35); }

.nav-container {
  display: flex;
  align-items: center;
  gap: 2rem;
  height: 5.5rem;
}

.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}
.logo-img {
  height: 72px;
  width: auto;
  /* White background logo on dark nav — white pill keeps it crisp */
  background: #fff;
  border-radius: 8px;
  padding: 6px 12px;
  display: block;
  /* Subtle shadow so logo lifts off the dark nav */
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.logo-img--footer {
  height: 60px;
  padding: 6px 12px;
  margin-bottom: 0.75rem;
}

.main-nav {
  display: none;
  align-items: center;
  gap: 1.75rem;
  margin-left: auto;
}
.main-nav a {
  color: rgba(255,255,255,0.75);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.2s;
}
.main-nav a:hover { color: #fff; }

.nav-cta {
  display: none;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}
.nav-phone {
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
  font-weight: 500;
  transition: color 0.2s;
}
.nav-phone:hover { color: #fff; }

/* Language toggle pill */
.lang-toggle {
  display: inline-flex;
  align-items: center;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 100px;
  padding: 3px;
  gap: 0;
  flex-shrink: 0;
}
.lang-toggle a {
  padding: 4px 11px;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  transition: color 0.2s, background 0.2s;
  line-height: 1;
}
.lang-toggle a:hover { color: rgba(255,255,255,0.85); }
.lang-toggle a.lang-active {
  background: var(--color-primary);
  color: #fff;
}

.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 0.5rem;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.25s ease;
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--color-dark-mid);
  padding: 1.5rem;
  gap: 0;
}
.mobile-menu.open { display: flex; }
.mobile-menu nav {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.mobile-menu a {
  color: rgba(255,255,255,0.8);
  font-size: 1rem;
  font-weight: 500;
  padding: 0.85rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color 0.2s;
}
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover { color: #fff; }
.mobile-menu .mobile-phone {
  color: var(--color-primary);
  margin-top: 0.5rem;
  border-bottom: none;
}
.mobile-menu .btn {
  margin-top: 1rem;
  justify-content: center;
}

/* Mobile language switcher row */
.mobile-lang {
  display: flex;
  align-items: center;
  gap: 0;
  margin-top: 0.5rem;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 10px;
  overflow: hidden;
}
.mobile-lang a {
  flex: 1;
  text-align: center;
  padding: 0.75rem 0;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  border-bottom: none !important;
  border-right: 1px solid rgba(255,255,255,0.12);
  transition: background 0.2s, color 0.2s;
}
.mobile-lang a:last-child { border-right: none; }
.mobile-lang a:hover { color: rgba(255,255,255,0.85); background: rgba(255,255,255,0.05); }
.mobile-lang a.lang-active {
  background: var(--color-primary);
  color: #fff;
}

/* === HERO === */
.hero {
  position: relative;
  /* Fallback gradient shows until/if video loads */
  background: linear-gradient(135deg, var(--color-dark) 0%, #0D2340 55%, #0A3A4A 100%);
  overflow: hidden;
  min-height: 600px;
}

/* Video background */
.hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 0;
  /* Prevent video from blocking pointer events */
  pointer-events: none;
}

/* Dark cinematic overlay on top of video — keeps text readable */
.hero-video-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(
      to right,
      rgba(14, 28, 47, 0.82) 0%,
      rgba(14, 28, 47, 0.65) 55%,
      rgba(14, 28, 47, 0.45) 100%
    );
  pointer-events: none;
}

/* Subtle teal/gold atmosphere on top of the video overlay */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 2;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(10,165,173,0.14) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 20%, rgba(245,158,11,0.07) 0%, transparent 50%);
  pointer-events: none;
}

/* Subtle grid texture */
.hero-bg-overlay {
  position: absolute;
  inset: 0;
  z-index: 2;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-top: 4rem;
  padding-bottom: 4rem;
  align-items: center;
}

.hero-content { max-width: 680px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(10,165,173,0.15);
  border: 1px solid rgba(10,165,173,0.35);
  color: var(--color-primary);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 0.35rem 0.85rem;
  border-radius: 2rem;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.badge-dot {
  width: 7px;
  height: 7px;
  background: var(--color-primary);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

.hero-h1 {
  color: #fff;
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  line-height: 1.1;
  margin-bottom: 1.25rem;
}
.hero-accent { color: var(--color-primary); }

.hero-sub {
  color: rgba(255,255,255,0.72);
  font-size: 1.0625rem;
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 560px;
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.hero-trust-micro {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.01em;
}

/* Hero form card */
.hero-form-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 2rem;
  backdrop-filter: blur(12px);
}
.form-card-title {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.25rem;
}
.form-card-sub {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.25rem;
}

/* === FORMS (shared) === */
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  margin-bottom: 0.9rem;
}
.form-group label {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
}
.contact-form-card .form-group label,
.contact-form .form-group label {
  color: var(--color-text);
}
.required { color: var(--color-accent); }

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.65rem 0.9rem;
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.07);
  color: #fff;
  font-size: 0.9rem;
  transition: border-color 0.2s, background 0.2s;
}
.form-group select option { background: var(--color-dark); color: #fff; }
.form-group input::placeholder,
.form-group textarea::placeholder { color: rgba(255,255,255,0.35); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  background: rgba(10,165,173,0.08);
}

/* Contact form (light background) overrides */
.contact-form .form-group input,
.contact-form .form-group select,
.contact-form .form-group textarea {
  background: var(--color-light);
  border-color: var(--color-border);
  color: var(--color-text);
}
.contact-form .form-group input::placeholder,
.contact-form .form-group textarea::placeholder { color: var(--color-text-muted); }
.contact-form .form-group input:focus,
.contact-form .form-group select:focus,
.contact-form .form-group textarea:focus {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}
.contact-form .form-group select option { background: #fff; color: var(--color-text); }

.field-error {
  font-size: 0.78rem;
  color: #f87171;
  min-height: 1rem;
}
.form-disclaimer {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.35);
  text-align: center;
  margin-top: 0.75rem;
}

/* === TRUST BAR === */
.trust-bar {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 1.25rem 0;
}
.trust-bar-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 0.75rem 1.5rem;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.trust-stars { font-size: 1rem; color: #f59e0b; letter-spacing: 1px; }
.trust-number {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1;
}
.trust-plus, .trust-unit { font-size: 1rem; }
.trust-label {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-text-muted);
  margin-top: 0.15rem;
}
.trust-divider {
  width: 1px;
  height: 36px;
  background: var(--color-border);
  display: none;
}

/* === SECTION HEADERS === */
.section-header {
  text-align: center;
  margin-bottom: 3rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.section-header.light h2 { color: #fff; }
.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--color-primary);
  background: var(--color-primary-light);
  padding: 0.3rem 0.85rem;
  border-radius: 2rem;
  margin-bottom: 0.85rem;
}
.section-label.light {
  background: rgba(10,165,173,0.18);
  color: var(--color-primary);
}
.section-sub {
  font-size: 1.0625rem;
  color: var(--color-text-muted);
  margin-top: 0.75rem;
  line-height: 1.7;
}

/* === LOAN OPTIONS === */
.loans-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}

.loan-card {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
}
.loan-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.loan-icon { font-size: 2rem; margin-bottom: 0.75rem; }
.loan-card h3 {
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
  color: var(--color-dark);
}
.loan-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 1rem;
}
.loan-details {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-bottom: 1.25rem;
}
.loan-details li {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-primary-dark);
  background: var(--color-primary-light);
  padding: 0.25rem 0.65rem;
  border-radius: 2rem;
}
.loan-cta {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-primary);
  transition: color 0.2s;
}
.loan-cta:hover { color: var(--color-primary-dark); }

/* === WHY US === */
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
.why-card {
  background: var(--color-dark-mid);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: border-color 0.2s, transform 0.2s;
}
.why-card:hover {
  border-color: rgba(10,165,173,0.4);
  transform: translateY(-2px);
}
.why-icon { font-size: 2rem; margin-bottom: 0.75rem; }
.why-card h3 { color: #fff; font-size: 1.0625rem; margin-bottom: 0.5rem; }
.why-card p { font-size: 0.9rem; color: rgba(255,255,255,0.6); line-height: 1.65; }

/* === PROCESS === */
.process-steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  align-items: center;
  max-width: 900px;
  margin: 0 auto;
}
.process-step {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  text-align: center;
}
.step-number {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
}
.process-step h3 { font-size: 1rem; margin-bottom: 0.4rem; }
.process-step p { font-size: 0.875rem; color: var(--color-text-muted); }
.process-arrow {
  display: none;
  font-size: 2rem;
  color: var(--color-primary);
  text-align: center;
  font-weight: 300;
}

/* === TESTIMONIALS === */
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin-bottom: 2rem;
}
.testimonial-card {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: box-shadow 0.2s;
}
.testimonial-card:hover { box-shadow: var(--shadow-md); }
.testimonial-stars { color: #f59e0b; font-size: 1rem; letter-spacing: 2px; margin-bottom: 0.75rem; }
.testimonial-card blockquote {
  font-size: 0.9375rem;
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: 1.25rem;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.author-avatar {
  width: 40px;
  height: 40px;
  background: var(--color-primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.8rem;
  flex-shrink: 0;
}
.testimonial-author strong { display: block; font-size: 0.9rem; font-weight: 600; }
.testimonial-author span { font-size: 0.8rem; color: var(--color-text-muted); }
.testimonial-cta { text-align: center; }

/* === CLOSINGS GALLERY === */
.closings-section { background: var(--color-dark); overflow: hidden; padding: 80px 0; }
.closings-section .section-label { color: var(--color-primary); }
.closings-section h2 { color: #fff; }
.closings-section .section-sub { color: rgba(255,255,255,0.6); }

.closings-track-wrapper {
  overflow: hidden;
  margin-top: 48px;
  -webkit-mask: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  mask: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}
.closings-track {
  display: flex;
  gap: 16px;
  width: max-content;
  animation: closings-scroll 50s linear infinite;
}
.closings-track:hover { animation-play-state: paused; }
@keyframes closings-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.closing-card {
  width: 240px;
  height: 300px;
  border-radius: 14px;
  overflow: hidden;
  flex-shrink: 0;
  position: relative;
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.closing-card:hover {
  transform: scale(1.04);
  box-shadow: 0 12px 40px rgba(0,0,0,0.5);
}
.closing-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
}
.closing-card-overlay {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 20px 14px 14px;
  background: linear-gradient(to top, rgba(14,28,47,0.85) 0%, transparent 100%);
  color: #fff;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  opacity: 0;
  transition: opacity 0.3s ease;
}
.closing-card:hover .closing-card-overlay { opacity: 1; }

/* === TEAM === */
.team-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  max-width: 900px;
  margin: 0 auto;
}
.team-card {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: box-shadow 0.2s;
}
.team-card:hover { box-shadow: var(--shadow-md); }
.team-photo {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
  border: 3px solid var(--color-primary);
  box-shadow: 0 4px 20px rgba(0,0,0,0.12);
  display: block;
  image-rendering: high-quality;
}
.team-photo--joe    { object-position: center 15%; }
.team-photo--jovana { object-position: center 18%; }

.team-photo-placeholder {
  width: 160px;
  height: 160px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.5rem;
  color: #fff;
  flex-shrink: 0;
}
.team-photo-secondary { background: linear-gradient(135deg, var(--color-dark), var(--color-dark-mid)); }
.team-info { display: flex; flex-direction: column; gap: 0.3rem; }
.team-info h3 { font-size: 1.125rem; margin-bottom: 0.1rem; }
.team-title {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-primary);
  margin-bottom: 0.5rem;
}
.team-info p { font-size: 0.9rem; color: var(--color-text-muted); line-height: 1.6; margin-bottom: 0.75rem; }
.team-contact { font-size: 0.82rem; color: var(--color-text-muted); margin-bottom: 0.75rem; display: flex; flex-wrap: wrap; gap: 0.25rem 0.4rem; align-items: center; }
.team-contact a { color: var(--color-primary); text-decoration: none; }
.team-contact a:hover { text-decoration: underline; }

/* === ESPAÑOL SECTION === */
.espanol-section {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  color: #fff;
}
.espanol-inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.espanol-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  color: #fff;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.3rem 1rem;
  border-radius: 999px;
  margin-bottom: 1.25rem;
}
.espanol-section h2 {
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  color: #fff;
  margin-bottom: 1rem;
}
.espanol-lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.7;
  margin-bottom: 1.75rem;
}
.espanol-list {
  list-style: none;
  padding: 0;
  margin: 0 0 2rem;
  display: inline-flex;
  flex-direction: column;
  gap: 0.5rem;
  text-align: left;
}
.espanol-list li {
  color: rgba(255,255,255,0.9);
  font-size: 0.95rem;
}
.espanol-cta {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
.espanol-section .btn-primary {
  background: var(--color-accent);
  border-color: var(--color-accent);
  color: #fff;
}
.espanol-section .btn-primary:hover {
  background: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
}
.espanol-section .btn-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.6);
  color: #fff;
}
.espanol-section .btn-outline:hover {
  background: rgba(255,255,255,0.15);
  border-color: #fff;
}

/* === RESOURCES === */
.resources-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
.resource-card {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.resource-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
}
.resource-icon { font-size: 2.25rem; margin-bottom: 0.85rem; }
.resource-card h3 { font-size: 1.125rem; margin-bottom: 0.5rem; }
.resource-card p { font-size: 0.9rem; color: var(--color-text-muted); line-height: 1.65; margin-bottom: 1.25rem; }
.resource-card-email { background: var(--color-dark); border-color: rgba(255,255,255,0.1); }
.resource-card-email h3,
.resource-card-email p { color: #fff; }
.resource-card-email p { color: rgba(255,255,255,0.65); }
.email-capture-form { display: flex; flex-direction: column; gap: 0.5rem; }
.email-capture-row { display: flex; gap: 0.5rem; flex-wrap: wrap; }
.email-capture-row input {
  flex: 1;
  min-width: 200px;
  padding: 0.6rem 0.9rem;
  border: 1.5px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.07);
  color: #fff;
  font-size: 0.875rem;
}
.email-capture-row input::placeholder { color: rgba(255,255,255,0.35); }
.email-capture-row input:focus {
  outline: none;
  border-color: var(--color-primary);
}

/* === CTA SECTION === */
.cta-section { background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-dark) 100%); }
.cta-inner {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  align-items: flex-start;
}
.cta-content h2 { font-size: clamp(1.75rem, 3vw, 2.25rem); }
.cta-content p { margin-top: 0.75rem; font-size: 1.0625rem; }
.cta-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
}
.cta-action { display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* === CONTACT === */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: start;
}
.contact-info > h2 { margin-bottom: 0.75rem; }
.contact-sub {
  font-size: 1rem;
  color: var(--color-text-muted);
  margin-bottom: 2rem;
  line-height: 1.7;
}
.contact-details { display: flex; flex-direction: column; gap: 1.25rem; margin-bottom: 2rem; }
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.contact-icon {
  font-size: 1.25rem;
  width: 2.5rem;
  height: 2.5rem;
  background: var(--color-primary-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-style: normal;
}
.contact-item strong { display: block; font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 0.25rem; color: var(--color-text-muted); }
.contact-item a { color: var(--color-text); font-size: 0.9375rem; transition: color 0.2s; }
.contact-item a:hover { color: var(--color-primary); }
.contact-item address { color: var(--color-text); font-size: 0.9375rem; line-height: 1.5; }
.contact-item span { font-size: 0.9375rem; color: var(--color-text); }
.hours-note { display: block; font-size: 0.8rem; color: var(--color-text-muted); margin-top: 0.2rem; }
.map-link { font-size: 0.85rem; color: var(--color-primary); font-weight: 600; display: inline-block; margin-top: 0.25rem; }
.map-link:hover { text-decoration: underline; }

.contact-social {
  display: flex;
  gap: 0.75rem;
}
.social-link {
  width: 40px;
  height: 40px;
  background: var(--color-light);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text-muted);
  transition: background 0.2s, color 0.2s;
}
.social-link:hover {
  background: var(--color-primary);
  color: #fff;
}

.contact-form-card {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-md);
}
.contact-form-card h3 {
  font-size: 1.25rem;
  margin-bottom: 0.35rem;
}
.contact-form-card > p {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  margin-bottom: 1.5rem;
}
.contact-form-card .form-disclaimer {
  color: var(--color-text-muted);
}

/* === FOOTER === */
.site-footer {
  background: var(--color-dark);
  color: rgba(255,255,255,0.65);
  padding-top: 4rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
}
.footer-brand { max-width: 300px; }
.footer-logo {
  margin-bottom: 1rem;
}
.footer-tagline {
  font-size: 0.875rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.25rem;
}
.footer-social { display: flex; gap: 0.6rem; }
.footer-social a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: background 0.2s, color 0.2s;
}
.footer-social a:hover { background: var(--color-primary); color: #fff; border-color: transparent; }

.footer-col h4 {
  color: rgba(255,255,255,0.85);
  font-size: 0.8rem;
  margin-bottom: 1rem;
  letter-spacing: 0.1em;
}
.footer-col ul { display: flex; flex-direction: column; gap: 0.55rem; }
.footer-col a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.5);
  transition: color 0.2s;
}
.footer-col a:hover { color: #fff; }

.footer-address p {
  font-size: 0.875rem;
  margin-bottom: 0.5rem;
  line-height: 1.5;
}
.footer-address a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.footer-address a:hover { color: #fff; }
.footer-hours { font-size: 0.8rem; color: rgba(255,255,255,0.35); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.25rem 0;
}
.footer-bottom-inner {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.3);
}
.footer-links { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-links a { color: rgba(255,255,255,0.3); transition: color 0.2s; }
.footer-links a:hover { color: rgba(255,255,255,0.7); }

/* === ANIMATIONS === */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in-delay { transition-delay: 0.15s; }

/* === FIX & FLIP CALCULATOR === */
.calc-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
  max-width: 960px;
  margin: 0 auto;
}

.calc-inputs-card {
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: 2rem;
}

.calc-card-title {
  font-size: 1.125rem;
  color: var(--color-dark);
  margin-bottom: 1.5rem;
}

.calc-input-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin-bottom: 1.1rem;
}

.calc-input-group label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.calc-input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-light);
  overflow: hidden;
  transition: border-color 0.2s, background 0.2s;
}

.calc-input-wrap:focus-within {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.calc-prefix,
.calc-suffix {
  padding: 0.65rem 0.75rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-text-muted);
  background: rgba(0,0,0,0.03);
  flex-shrink: 0;
}

.calc-prefix { border-right: 1.5px solid var(--color-border); }
.calc-suffix  { border-left:  1.5px solid var(--color-border); }

.calc-input-wrap input {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: none;
  background: transparent;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-dark);
  outline: none;
  font-family: var(--font-heading);
  -moz-appearance: textfield;
}
.calc-input-wrap input::-webkit-outer-spin-button,
.calc-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

.calc-input-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.calc-term-options {
  display: flex;
  gap: 0.5rem;
}

.calc-term-btn {
  flex: 1;
  padding: 0.6rem 0;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-light);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text-muted);
  transition: all 0.2s;
  cursor: pointer;
}

.calc-term-btn:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.calc-term-btn.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
}

/* Results panel */
.calc-results-card {
  background: var(--color-dark);
  border-radius: var(--radius-xl);
  padding: 2rem;
  display: flex;
  flex-direction: column;
}

.calc-verdict-bar {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-md);
  background: rgba(10,165,173,0.15);
  border: 1px solid rgba(10,165,173,0.3);
  margin-bottom: 1.75rem;
  transition: background 0.3s, border-color 0.3s;
}
.calc-verdict-bar.warn {
  background: rgba(245,158,11,0.15);
  border-color: rgba(245,158,11,0.35);
}
.calc-verdict-bar.bad {
  background: rgba(248,113,113,0.12);
  border-color: rgba(248,113,113,0.3);
}

.calc-verdict-icon { font-size: 1.25rem; line-height: 1; }

.calc-verdict-label {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  color: var(--color-primary);
  transition: color 0.3s;
}
.calc-verdict-bar.warn .calc-verdict-label { color: var(--color-accent); }
.calc-verdict-bar.bad  .calc-verdict-label { color: #f87171; }

.calc-metrics {
  flex: 1;
  display: flex;
  flex-direction: column;
  margin-bottom: 1.75rem;
}

.calc-metric {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.calc-metric:last-child { border-bottom: none; }

.calc-metric-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
}

.calc-metric-value {
  font-family: var(--font-heading);
  font-size: 1.125rem;
  font-weight: 700;
  color: #fff;
  transition: color 0.3s;
}
.calc-metric-value.primary { color: var(--color-primary); }
.calc-metric-value.accent  { color: var(--color-accent); }
.calc-metric-value.danger  { color: #f87171; }

.ltv-value-wrap {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.ltv-flag-badge {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  background: rgba(248,113,113,0.18);
  color: #f87171;
  border: 1px solid rgba(248,113,113,0.4);
  padding: 0.15rem 0.45rem;
  border-radius: 4px;
  white-space: nowrap;
}

.calc-metric-divider {
  height: 1px;
  background: rgba(255,255,255,0.1);
  margin: 0.35rem 0;
}

.calc-cta { font-size: 1rem; margin-bottom: 0.85rem; }

.calc-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.3);
  text-align: center;
  line-height: 1.5;
}

/* === MEDIA QUERIES === */
@media (min-width: 640px) {
  .loans-grid          { grid-template-columns: repeat(2, 1fr); }
  .why-grid            { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid   { grid-template-columns: repeat(2, 1fr); }
  .resources-grid      { grid-template-columns: repeat(2, 1fr); }
  .team-card           { flex-direction: row; }
  .trust-divider       { display: block; }
  .footer-grid         { grid-template-columns: repeat(2, 1fr); }
}

@media (min-width: 768px) {
  .section { padding: var(--section-py) 0; }
  .loans-grid          { grid-template-columns: repeat(3, 1fr); }
  .why-grid            { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid   { grid-template-columns: repeat(3, 1fr); }
  .resources-grid      { grid-template-columns: repeat(3, 1fr); }
  .calc-layout         { grid-template-columns: 1fr 1fr; }
  .process-steps {
    grid-template-columns: 1fr auto 1fr auto 1fr;
    gap: 0.5rem;
  }
  .process-arrow { display: block; }
  .contact-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid  { grid-template-columns: 2fr 1fr 1fr 1.5fr; }
  .footer-bottom-inner { flex-direction: row; justify-content: space-between; align-items: center; }
  .cta-inner    { flex-direction: row; justify-content: space-between; align-items: center; }
  .cta-action   { flex-direction: column; flex-shrink: 0; }
}

@media (min-width: 1024px) {
  .main-nav  { display: flex; }
  .nav-cta   { display: flex; }
  .hamburger { display: none; }
  .hero-grid { grid-template-columns: 1fr 400px; }
}