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

:root {
  /* grayscale glass base */
  --c-0:   0 0% 4%;
  --c-1:   0 0% 8%;
  --c-2:   0 0% 12%;
  --c-3:   0 0% 18%;
  --c-fg:  0 0% 100%;

  /* navy + gold family palette (matches buydownpower / newhomeloanpurchase) */
  --navy:        #0D1B2A;             /* base background */
  --navy-card:   #0F2030;
  --navy-mid:    #112236;
  --navy-deep:   #0A1622;
  --gold:        #C8913A;             /* accent / primary action */
  --gold-light:  #DBA84F;             /* hover / brighter detail */

  /* accent aliases used across the site */
  --accent:       var(--gold);        /* primary action fill */
  --accent-dark:  var(--gold-light);  /* hover (brightens) */
  --accent-light: #DBA84F;            /* detail accents — eyebrows, italics, badges */
  --accent-soft:  rgba(200,145,58,0.18);

  --font-display: 'Poppins', system-ui, -apple-system, sans-serif;
  --font-serif:   'Source Serif 4', Georgia, serif;

  --radius: 1rem;

  --max-w: 1180px;
  --section-py: clamp(72px, 12vh, 128px);
}

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

body {
  position: relative;
  font-family: var(--font-display);
  font-weight: 400;
  background: var(--navy);
  color: hsl(var(--c-fg));
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

h1, h2, h3, h4 { font-weight: 500; letter-spacing: -0.02em; }

/* serif italic accent — used only inside headings/quotes */
.italic, em.italic, .font-serif {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  color: var(--accent-light);
}
.font-display { font-family: var(--font-display); }

.ic {
  width: 18px; height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
  display: block;
}
.ic--sm { width: 14px; height: 14px; }

/* ============================================================
   ANIMATED GRAYSCALE GRADIENT BACKGROUND (z-0)
   ============================================================ */
.bg {
  position: fixed;
  inset: 0;
  z-index: 0;
  background:
    radial-gradient(120% 120% at 15% 10%, #183944 0%, transparent 45%),
    radial-gradient(120% 120% at 85% 90%, #112236 0%, transparent 50%),
    linear-gradient(135deg, #0F2030 0%, #0D1B2A 40%, #112236 70%, #0A1622 100%);
  background-size: 200% 200%, 200% 200%, 180% 180%;
  animation: bgDrift 26s ease-in-out infinite alternate;
}
.bg__grain {
  position: absolute;
  inset: -50%;
  background:
    radial-gradient(circle at 30% 30%, rgba(255,255,255,0.04), transparent 35%),
    radial-gradient(circle at 70% 60%, rgba(255,255,255,0.03), transparent 40%);
  filter: blur(40px);
  animation: bgFloat 18s ease-in-out infinite alternate;
}
@keyframes bgDrift {
  0%   { background-position: 0% 0%, 100% 100%, 0% 50%; }
  100% { background-position: 100% 100%, 0% 0%, 100% 50%; }
}
@keyframes bgFloat {
  0%   { transform: translate(-3%, -2%) scale(1); }
  100% { transform: translate(4%, 3%) scale(1.08); }
}
@media (prefers-reduced-motion: reduce) {
  .bg, .bg__grain { animation: none; }
}

/* faint topographic texture across the whole page */
.page-topo {
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  z-index: 1;
  pointer-events: none;
  background: url("/topo-tile.svg") repeat;
  background-size: 500px;
  opacity: 0.06;
}

/* ============================================================
   LIQUID GLASS — two tiers
   ============================================================ */
@layer components {
  .liquid-glass {
    background: rgba(255,255,255,0.01);
    background-blend-mode: luminosity;
    -webkit-backdrop-filter: blur(4px);
    backdrop-filter: blur(4px);
    border: none;
    box-shadow: inset 0 1px 1px rgba(255,255,255,0.1);
    position: relative;
    overflow: hidden;
  }
  .liquid-glass::before {
    content: "";
    position: absolute;
    inset: 0;
    border-radius: inherit;
    padding: 1.4px;
    background: linear-gradient(180deg,
      rgba(255,255,255,0.45) 0%,
      rgba(255,255,255,0.15) 20%,
      transparent 40%,
      transparent 60%,
      rgba(255,255,255,0.15) 80%,
      rgba(255,255,255,0.45) 100%);
    -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
            mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
            mask-composite: exclude;
    pointer-events: none;
    z-index: 1;
  }

  .liquid-glass-strong {
    background: rgba(255,255,255,0.01);
    background-blend-mode: luminosity;
    -webkit-backdrop-filter: blur(50px);
    backdrop-filter: blur(50px);
    border: none;
    box-shadow: 4px 4px 4px rgba(0,0,0,0.05), inset 0 1px 1px rgba(255,255,255,0.15);
    position: relative;
    overflow: hidden;
  }
  .liquid-glass-strong::before {
    content: "";
    position: absolute;
    inset: 0;
    border-radius: inherit;
    padding: 1.4px;
    background: linear-gradient(180deg,
      rgba(255,255,255,0.5) 0%,
      rgba(255,255,255,0.2) 20%,
      transparent 40%,
      transparent 60%,
      rgba(255,255,255,0.2) 80%,
      rgba(255,255,255,0.5) 100%);
    -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
            mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
            mask-composite: exclude;
    pointer-events: none;
    z-index: 1;
  }
}

/* ============================================================
   SHARED ELEMENTS — pills, cta, cards
   ============================================================ */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border-radius: 9999px;
  padding: 9px 16px;
  font-size: 0.78rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  cursor: pointer;
  transition: transform 0.25s ease;
  white-space: nowrap;
}
.pill:hover { transform: scale(1.05); }
.pill .ic { width: 15px; height: 15px; }

.cta {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  border-radius: 9999px;
  padding: 8px 24px 8px 8px;
  font-family: var(--font-display);
  font-size: 0.98rem;
  font-weight: 600;
  color: var(--navy);
  background: var(--accent);
  box-shadow: 0 8px 30px rgba(200,145,58,0.35), inset 0 1px 1px rgba(255,255,255,0.25);
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
}
.cta:hover { transform: scale(1.05); background: var(--accent-dark); }
.cta:active { transform: scale(0.95); }
.cta__icon {
  width: 28px; height: 28px;
  border-radius: 9999px;
  background: rgba(13,27,42,0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.cta__icon .ic { width: 15px; height: 15px; }

.card {
  border-radius: var(--radius);
  position: relative;
}

/* z-context so content floats above ::before border */
.menu-panel a, .hero__grid > *,
.card > *, .pill > *, .cta > * { position: relative; z-index: 2; }

/* ============================================================
   TOP MENU BAR (scrolls with page)
   ============================================================ */
.topbar { position: sticky; top: 0; z-index: 30; width: 100%; background: #0A1420; }
.topbar__inner {
  max-width: 1280px; margin: 0 auto;
  padding: 15px clamp(20px, 4vw, 44px);
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
}
.topbar__brand { font-size: 1.35rem; font-weight: 600; letter-spacing: -0.04em; color: #fff; }
.topbar__brand em { font-style: normal; color: var(--accent-light); }
.topbar__links { display: flex; align-items: center; gap: clamp(14px, 2vw, 28px); flex-wrap: wrap; justify-content: flex-end; }
.topbar__links a { font-size: 0.92rem; font-weight: 500; color: #fff; transition: color 0.2s ease; }
.topbar__links a:hover { color: var(--accent-light); }
.topbar__links a.active { color: var(--gold); }
.topbar__cta { background: var(--gold); color: var(--navy) !important; padding: 9px 18px; border-radius: 8px; font-weight: 600; transition: background 0.2s ease, transform 0.15s ease; }
.topbar__cta:hover { background: var(--gold-light); transform: translateY(-1px); }
@media (max-width: 680px) {
  .topbar__inner { flex-direction: column; align-items: flex-start; gap: 12px; }
  .topbar__links { gap: 16px; }
}

/* ============================================================
   HERO — TEXT + VIDEO
   ============================================================ */
.hero {
  position: relative;
  z-index: 10;
  display: flex;
  padding: 10px 12px 14px;
  min-height: auto;
}
.hero__map {
  position: absolute;
  inset: 0;
  z-index: 0;
  background: url("/hero-map.svg") center center / contain no-repeat;
  opacity: 0.18;
  pointer-events: none;
  -webkit-mask-image: radial-gradient(140% 130% at 55% 45%, #000 70%, transparent 100%);
          mask-image: radial-gradient(140% 130% at 55% 45%, #000 70%, transparent 100%);
}

.hero__grid {
  flex: 1;
  border-radius: 1.5rem;
  padding: 22px 24px;
  /* mobile: single column, flush left */
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  gap: 20px;
}
/* mobile order: logo, quote, headline, video, actions */
.hero__logo     { order: 1; }
.hero__quote    { order: 2; }
.hero__headline { order: 3; }
.hero__video    { order: 4; }
.hero__actions  { order: 5; }

.left__logo { width: clamp(160px, 18vw, 250px); height: auto; aspect-ratio: 1; object-fit: contain; opacity: 0.95; }
.left__headline { font-size: clamp(2.2rem, 4.2vw, 3.7rem); line-height: 1.04; letter-spacing: -0.05em; color: #fff; }
.left__headline .italic { font-size: 0.95em; }

/* CTA sized to match the pills row width */
.hero__actions { display: flex; flex-direction: column; gap: 16px; width: fit-content; max-width: 100%; }
.hero__actions .hero__cta { width: 100%; justify-content: center; }
.left__pills { display: flex; flex-wrap: wrap; gap: 10px; justify-content: flex-start; }
.video-module { width: 100%; max-width: 640px; }

/* bottom quote */
.left__quote-label { font-size: 0.7rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--accent-light); margin-bottom: 12px; }
.left__quote-text { font-size: clamp(1.2rem, 1.8vw, 1.55rem); line-height: 1.25; letter-spacing: -0.02em; color: #fff; }
.left__quote-text .italic { color: rgba(255,255,255,0.85); }
.left__author { display: flex; align-items: center; gap: 14px; margin-top: 18px; font-size: 0.7rem; letter-spacing: 0.18em; color: var(--accent-light); }
.left__author .line { height: 1px; flex: 1; max-width: 60px; background: rgba(200,145,58,0.5); }

/* desktop: 2-column — text left, video right */
@media (min-width: 1024px) {
  .hero__grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    grid-template-rows: auto auto auto 1fr;
    grid-template-areas:
      "logo    video"
      "quote   video"
      "head    video"
      "actions video";
    column-gap: 48px;
    row-gap: 16px;
    padding: 30px 48px;
    align-items: start;
  }
  .hero__logo { grid-area: logo; }
  .hero__quote { grid-area: quote; }
  .hero__headline { grid-area: head; }
  .hero__actions { grid-area: actions; align-self: start; }
  .hero__video { grid-area: video; align-self: center; }
}

/* ---- VIDEO MODULE ---- */
.video-module { width: 100%; max-width: 640px; }
.video-poster {
  position: relative; display: block; width: 100%; margin: 0; padding: 0;
  aspect-ratio: 16 / 9; border: none; cursor: pointer;
  border-radius: 1.25rem; overflow: hidden;
  background: #0A1420;
  box-shadow: 0 24px 64px rgba(0,0,0,0.45), inset 0 0 0 1px rgba(255,255,255,0.12);
}
.video-poster picture, .video-poster img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
.video-poster__shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(13,27,42,0) 35%, rgba(13,27,42,0.7) 100%); }
.video-play {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 74px; height: 74px; border-radius: 9999px;
  background: var(--gold); color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 12px 32px rgba(0,0,0,0.45);
  transition: transform .2s ease, background .2s ease;
}
.video-play svg { width: 30px; height: 30px; fill: currentColor; margin-left: 4px; }
.video-poster:hover .video-play { transform: translate(-50%,-50%) scale(1.08); background: var(--gold-light); }
.video-label { position: absolute; left: 16px; right: 16px; bottom: 18px; text-align: center; color: #fff; font-size: 0.9rem; font-weight: 500; text-shadow: 0 1px 5px rgba(0,0,0,0.55); }
.video-poster:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }
@media (prefers-reduced-motion: reduce) {
  .video-play, .video-poster:hover .video-play { transition: none; transform: translate(-50%,-50%); }
}

/* ---- VIDEO LIGHTBOX ---- */
.vlightbox { position: fixed; inset: 0; z-index: 1000; display: flex; align-items: center; justify-content: center; padding: 24px; }
.vlightbox[hidden] { display: none; }
.vlightbox__backdrop { position: absolute; inset: 0; background: rgba(5,10,18,0.82); -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px); }
.vlightbox__dialog { position: relative; z-index: 1; width: min(1100px, 100%); }
.vlightbox__frame { position: relative; width: 100%; aspect-ratio: 16 / 9; background: #000; border-radius: 1rem; overflow: hidden; box-shadow: 0 30px 90px rgba(0,0,0,0.65); }
.vlightbox__video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: contain; background: #000; display: block; }
.vlightbox__close {
  position: absolute; top: -16px; right: -16px; width: 44px; height: 44px; border-radius: 9999px;
  background: var(--gold); color: var(--navy); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center; z-index: 2;
  box-shadow: 0 8px 24px rgba(0,0,0,0.4); transition: background .2s ease, transform .15s ease;
}
.vlightbox__close:hover { background: var(--gold-light); transform: scale(1.06); }
.vlightbox__close .ic { width: 20px; height: 20px; }
@media (max-width: 640px) {
  .vlightbox { padding: 14px; }
  .vlightbox__close { top: -50px; right: 0; background: transparent; color: #fff; box-shadow: none; }
}

/* ---- FEATURE ICONS (shared with Why section) ---- */
.feature { padding: 24px; }
.feature__icon, .why__icon {
  width: 38px; height: 38px; border-radius: 9999px;
  background: var(--accent-soft); display: flex; align-items: center; justify-content: center;
  color: var(--accent-light); margin-bottom: 14px;
}
.feature h4 { font-size: 1.05rem; color: #fff; margin-bottom: 6px; }
.feature p { font-size: 0.9rem; color: rgba(255,255,255,0.6); line-height: 1.5; }

/* ---- APPLICATION SECTION ---- */
.apply__box { display: grid; grid-template-columns: 1.35fr 1fr; gap: 36px; align-items: center; padding: 40px 44px; border-radius: 1.75rem; }
.apply__copy .section-title { margin: 8px 0 16px; }
.apply__lead { color: rgba(255,255,255,0.68); line-height: 1.7; font-size: 1rem; margin-bottom: 20px; max-width: 520px; }
.apply__talk { display: inline-flex; align-items: center; gap: 6px; font-size: 0.92rem; font-weight: 500; color: var(--accent-light); transition: gap .2s ease, color .2s ease; }
.apply__talk:hover { gap: 10px; color: var(--gold-light); }
.apply__action { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 14px; padding: 28px; background: rgba(255,255,255,0.04); border-radius: 1.25rem; }
.apply__action-label { font-size: 0.74rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-light); }
.apply__qr { width: 168px; height: 168px; background: #fff; border-radius: 1rem; padding: 11px; }
.apply__qr img { width: 100%; height: 100%; display: block; }
.apply__action-text { font-size: 0.84rem; color: rgba(255,255,255,0.6); line-height: 1.5; max-width: 230px; }
.apply__btn { align-self: center; }

.features-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 24px; }
@media (max-width: 860px) {
  .apply__box { grid-template-columns: 1fr; gap: 28px; }
  .features-strip { grid-template-columns: 1fr; }
}

/* ============================================================
   SLIDE-DOWN MENU
   ============================================================ */
.menu-panel {
  position: fixed;
  top: 80px;
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  z-index: 50;
  width: min(320px, calc(100vw - 32px));
  border-radius: 1.25rem;
  padding: 14px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s ease, transform 0.25s ease;
}
.menu-panel:not([hidden]) {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.menu-panel a {
  padding: 12px 16px;
  border-radius: 0.75rem;
  font-size: 0.95rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  transition: background 0.2s ease, color 0.2s ease;
}
.menu-panel a:hover { background: rgba(255,255,255,0.08); color: #fff; }
.menu-panel__cta { background: rgba(255,255,255,0.12); color: #fff !important; text-align: center; margin-top: 4px; }

/* ============================================================
   GENERIC SECTIONS
   ============================================================ */
.section {
  position: relative;
  z-index: 10;
  padding: var(--section-py) 0;
}
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }

.section-header { text-align: center; margin-bottom: 56px; }
.eyebrow {
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.22em;
  color: var(--accent-light);
  margin-bottom: 14px;
}
.section-title {
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.1;
  letter-spacing: -0.04em;
  color: #fff;
}

/* ---- WHY ---- */
.why__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}
.why__card { padding: 36px 30px; }
.why__card h3 { font-size: 1.25rem; color: #fff; margin-bottom: 10px; }
.why__card p { color: rgba(255,255,255,0.6); font-size: 0.95rem; line-height: 1.65; }

/* ---- LOANS ---- */
.loans__grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(210px, 1fr));
  gap: 18px;
}
.loans__card { padding: 28px 24px; display: flex; flex-direction: column; }
.loans__badge {
  align-self: flex-start;
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent-light);
  background: var(--accent-soft);
  border-radius: 9999px;
  padding: 4px 12px;
  margin-bottom: 16px;
}
.loans__card h3 { font-size: 1.15rem; color: #fff; margin-bottom: 10px; }
.loans__card p { color: rgba(255,255,255,0.6); font-size: 0.9rem; line-height: 1.6; flex: 1; margin-bottom: 18px; }
.loans__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 500;
  color: #fff;
  transition: gap 0.2s ease, opacity 0.2s ease;
}
.loans__link:hover { gap: 10px; color: var(--accent-light); }

/* full-width zero-down feature card */
.loans__feature {
  margin-bottom: 24px;
  display: flex;
  gap: 40px;
  align-items: center;
  padding: 34px 38px;
}
.loans__feature-head { flex: 0 0 26%; }
.loans__feature-head .loans__badge { margin-bottom: 14px; }
.loans__feature-head h3 {
  font-size: clamp(1.4rem, 2vw, 1.75rem);
  color: #fff;
  line-height: 1.15;
}
.loans__feature-body { flex: 1; }
.loans__feature-body p {
  color: rgba(255,255,255,0.62);
  font-size: 0.95rem;
  line-height: 1.75;
  margin-bottom: 16px;
}
.loans__feature-body strong { color: var(--accent-light); font-weight: 600; }

.loans__feature-apply {
  flex: 0 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding-left: 36px;
  border-left: 1px solid rgba(255,255,255,0.1);
}
.loans__feature-qr {
  width: 104px; height: 104px;
  background: #fff;
  border-radius: 0.7rem;
  padding: 7px;
}
.loans__feature-qr img { width: 100%; height: 100%; display: block; }
.loans__feature-btn { font-size: 0.85rem; padding: 7px 18px 7px 7px; }
.loans__feature-btn .cta__icon { width: 24px; height: 24px; }
.loans__feature-scan { font-size: 0.7rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.45); }

@media (max-width: 760px) {
  .loans__feature { flex-direction: column; align-items: flex-start; gap: 24px; padding: 28px 24px; }
  .loans__feature-head { flex: none; }
  .loans__feature-apply { flex: none; align-self: center; padding-left: 0; border-left: none; padding-top: 22px; border-top: 1px solid rgba(255,255,255,0.1); width: 100%; }
}

/* ---- CONTACT ---- */
.contact__wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.contact__portrait {
  width: 172px;
  border-radius: 1.5rem;
  padding: 8px;
  margin-bottom: 26px;
}
.contact__portrait img {
  width: 100%;
  height: auto;
  border-radius: 1.15rem;
  object-fit: cover;
  display: block;
}
.contact__copy .section-title { margin-bottom: 22px; }
.contact__lead { color: rgba(255,255,255,0.7); font-size: 1rem; line-height: 1.7; margin-bottom: 30px; }
.contact__trust { display: flex; flex-direction: column; gap: 12px; }
.contact__trust span {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  color: rgba(255,255,255,0.75);
}
.contact__trust span::before {
  content: "";
  width: 18px; height: 18px;
  flex-shrink: 0;
  border-radius: 9999px;
  background: rgba(255,255,255,0.12);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-size: 11px;
  background-position: center;
  background-repeat: no-repeat;
}

/* ============================================================
   FORM
   ============================================================ */
.contact__form-wrap { padding: 36px 32px; border-radius: 1.5rem; }
.form__group { margin-bottom: 18px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  margin-bottom: 7px;
}
.req { color: rgba(255,255,255,0.5); }
.opt { font-weight: 400; color: rgba(255,255,255,0.4); font-size: 0.78rem; }

input, select, textarea {
  width: 100%;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 0.65rem;
  color: #fff;
  font-family: var(--font-display);
  font-size: 0.95rem;
  padding: 12px 14px;
  transition: border-color 0.2s, background 0.2s, box-shadow 0.2s;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}
input::placeholder, textarea::placeholder { color: rgba(255,255,255,0.32); }
input:focus, select:focus, textarea:focus {
  border-color: var(--accent);
  background: rgba(200,145,58,0.08);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
input.error, select.error, textarea.error {
  border-color: rgba(255,255,255,0.85);
  box-shadow: 0 0 0 3px rgba(255,255,255,0.12);
}

.form__select-wrap { position: relative; }
.form__select-wrap::after {
  content: '';
  position: absolute;
  right: 14px; top: 50%;
  transform: translateY(-50%);
  width: 0; height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid rgba(255,255,255,0.5);
  pointer-events: none;
}
select { cursor: pointer; }
select option { background: hsl(var(--c-1)); color: #fff; }
textarea { resize: vertical; min-height: 100px; }

.form__error {
  display: block;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.85);
  margin-top: 4px;
  min-height: 16px;
}

.cta--full {
  width: 100%;
  justify-content: center;
  padding: 15px;
  margin-top: 6px;
}

.form__result {
  margin-top: 16px;
  padding: 14px 18px;
  border-radius: 0.65rem;
  font-size: 0.92rem;
  font-weight: 500;
  text-align: center;
  display: none;
  color: #fff;
}
.form__result.success { display: block; background: rgba(255,255,255,0.1); box-shadow: inset 0 0 0 1px rgba(255,255,255,0.25); }
.form__result.error   { display: block; background: rgba(255,255,255,0.05); box-shadow: inset 0 0 0 1px rgba(255,255,255,0.4); }

.btn__spinner {
  display: none;
  width: 18px; height: 18px;
  border: 2px solid rgba(13,27,42,0.3);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}
.cta.loading .btn__text { display: none; }
.cta.loading .btn__spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { position: relative; z-index: 10; padding: 40px 0 32px; }
.footer__inner {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 40px;
  align-items: start;
  padding: 40px 44px;
  border-radius: 1.5rem;
}
.footer__logo-row {
  display: inline-flex;
  align-items: center;
  font-size: 1.3rem;
  font-weight: 600;
  letter-spacing: -0.04em;
  color: #fff;
  margin-bottom: 18px;
}
.footer__logo-row em { font-style: normal; color: var(--accent-light); }

.footer__details { display: flex; flex-direction: column; gap: 7px; }
.footer__details p { color: rgba(255,255,255,0.6); font-size: 0.88rem; line-height: 1.55; }
.footer__name { color: #fff !important; font-size: 1rem !important; font-weight: 600; }
.footer__line { display: flex; align-items: center; gap: 9px; }
.footer__line .ic { color: var(--accent-light); flex-shrink: 0; }
.footer__line a { color: rgba(255,255,255,0.85); transition: color 0.2s; }
.footer__line a:hover { color: var(--accent-light); }
.footer__tag {
  font-size: 0.66rem; letter-spacing: 0.1em; text-transform: uppercase;
  color: rgba(255,255,255,0.45); background: rgba(255,255,255,0.07);
  padding: 2px 8px; border-radius: 9999px;
}

.footer__links { display: flex; flex-direction: column; gap: 12px; align-items: flex-end; }
.footer__links a { font-size: 0.9rem; color: rgba(255,255,255,0.6); transition: color 0.2s; }
.footer__links a:hover { color: var(--accent-light); }

.footer__bottom { padding-top: 28px; }
.footer__ehl {
  display: flex;
  align-items: center;
  gap: 16px;
  max-width: 720px;
  margin: 0 auto 16px;
  padding: 0 12px;
}
.footer__ehl-logo { width: 46px; height: auto; color: #fff; flex-shrink: 0; }
.footer__legal { font-size: 0.72rem; line-height: 1.55; color: rgba(255,255,255,0.4); }
.footer__legal a { color: rgba(255,255,255,0.55); text-decoration: underline; }
.footer__legal a:hover { color: var(--accent-light); }
.footer__copy { text-align: center; font-size: 0.78rem; color: rgba(255,255,255,0.35); }

/* ============================================================
   FADE-IN
   ============================================================ */
.fade-in { opacity: 0; transform: translateY(26px); transition: opacity 0.7s ease, transform 0.7s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }
.why__grid .fade-in:nth-child(2)  { transition-delay: 0.1s; }
.why__grid .fade-in:nth-child(3)  { transition-delay: 0.2s; }
.loans__grid .fade-in:nth-child(2){ transition-delay: 0.06s; }
.loans__grid .fade-in:nth-child(3){ transition-delay: 0.12s; }
.loans__grid .fade-in:nth-child(4){ transition-delay: 0.18s; }
.loans__grid .fade-in:nth-child(5){ transition-delay: 0.24s; }
@media (prefers-reduced-motion: reduce) {
  .fade-in { opacity: 1; transform: none; transition: none; }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1023px) {
  .hero { min-height: auto; padding: 12px; }
  .hero__grid { padding: 28px 22px; }
  .video-module { max-width: 440px; align-self: center; }
}

@media (max-width: 900px) {
  .contact__wrap { grid-template-columns: 1fr; gap: 40px; }
  .footer__inner { grid-template-columns: 1fr; gap: 28px; text-align: center; justify-items: center; }
  .footer__details { align-items: center; }
  .footer__links { flex-direction: row; flex-wrap: wrap; justify-content: center; align-items: center; }
  .footer__ehl { flex-direction: column; text-align: center; gap: 12px; }
}

@media (max-width: 640px) {
  .hero__grid { padding: 24px 20px; gap: 20px; }
  .left__headline { font-size: clamp(2.2rem, 9vw, 3rem); }
  .form__row { grid-template-columns: 1fr; gap: 0; }
  .contact__form-wrap { padding: 26px 20px; }
  .loans__grid { grid-template-columns: 1fr; }
}

/* ============================================================
   CALCULATOR PAGE
   ============================================================ */
.page-nav {
  position: relative;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px clamp(20px, 5vw, 56px);
}
.page-nav .lnav__brand { font-size: 1.4rem; }
.page-nav__cta { font-size: 0.88rem; }

.calc { padding-top: clamp(20px, 4vh, 40px); }
.calc__head { max-width: 640px; margin-bottom: 40px; }
.calc__head .section-title { margin: 6px 0 16px; }
.calc__intro { color: rgba(255,255,255,0.6); font-size: 1rem; line-height: 1.7; }

.calc__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}
.calc__inputs { padding: 32px; border-radius: 1.5rem; }
.calc__result {
  padding: 32px;
  border-radius: 1.5rem;
  position: sticky;
  top: 24px;
}

/* input fields with $ / % adornments */
.calc__field { position: relative; }
.calc__prefix, .calc__suffix {
  position: absolute; top: 50%; transform: translateY(-50%);
  color: rgba(255,255,255,0.5); font-size: 0.95rem; pointer-events: none;
}
.calc__prefix { left: 14px; }
.calc__suffix { right: 14px; }
.calc__field:has(.calc__prefix) input { padding-left: 28px; }
.calc__field:has(.calc__suffix) input { padding-right: 30px; }
.calc__hint { font-weight: 400; color: rgba(255,255,255,0.4); font-size: 0.78rem; }
.calc__divider { height: 1px; background: rgba(255,255,255,0.1); margin: 6px 0 20px; }

/* result panel */
.calc__result-label { font-size: 0.8rem; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.55); }
.calc__total {
  font-size: clamp(2.6rem, 6vw, 3.6rem);
  font-weight: 600;
  letter-spacing: -0.04em;
  color: #fff;
  line-height: 1.05;
  margin: 6px 0 24px;
}
.calc__total span { font-size: 1rem; font-weight: 400; color: rgba(255,255,255,0.5); letter-spacing: 0; margin-left: 6px; }

.calc__breakdown { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.calc__breakdown li { display: flex; align-items: center; gap: 10px; font-size: 0.92rem; }
.calc__b-label { color: rgba(255,255,255,0.75); }
.calc__b-val { margin-left: auto; color: #fff; font-weight: 500; }

.dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; flex-shrink: 0; }
.dot--pi  { background: var(--gold); }
.dot--tax { background: var(--gold-light); }
.dot--ins { background: rgba(255,255,255,0.55); }
.dot--pmi { background: rgba(255,255,255,0.35); }
.dot--hoa { background: rgba(255,255,255,0.22); }

.calc__bar {
  display: flex;
  height: 10px;
  border-radius: 9999px;
  overflow: hidden;
  margin: 20px 0 4px;
  background: rgba(255,255,255,0.06);
}
.calc__bar span { display: block; height: 100%; }

.calc__meta {
  display: flex;
  gap: 14px;
  margin-top: 22px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.calc__meta div { flex: 1; display: flex; flex-direction: column; gap: 3px; }
.calc__meta span { font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.45); }
.calc__meta strong { font-size: 1.15rem; font-weight: 600; color: #fff; }

.calc__pmi-note { font-size: 0.78rem; color: rgba(255,255,255,0.5); line-height: 1.5; margin-top: 16px; }
.calc__cta { margin-top: 22px; }
.calc__disclaimer { font-size: 0.74rem; color: rgba(255,255,255,0.38); line-height: 1.6; margin-top: 32px; max-width: 760px; }

.footer__back { color: rgba(255,255,255,0.55); text-decoration: underline; }
.footer__back:hover { color: var(--accent-light); }

@media (max-width: 860px) {
  .calc__grid { grid-template-columns: 1fr; }
  .calc__result { position: static; }
}

/* down-payment help box */
.dpa { padding: 40px; border-radius: 1.75rem; margin-top: 28px; }
.dpa__intro { max-width: 760px; margin-bottom: 30px; }
.dpa__intro h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); color: #fff; margin: 12px 0 14px; letter-spacing: -0.03em; }
.dpa__intro p { color: rgba(255,255,255,0.68); line-height: 1.7; font-size: 0.98rem; }
.dpa__intro strong { color: var(--accent-light); font-weight: 600; }

.dpa__action { display: grid; grid-template-columns: 1.25fr 1fr; gap: 28px; align-items: stretch; }
.dpa__form { display: flex; flex-direction: column; padding-bottom: 26px; }
.dpa__form-title { font-size: 1.05rem; font-weight: 600; color: #fff; margin-bottom: 16px; }
.dpa__form .cta--full { margin-top: auto; }

.dpa__apply {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: 14px; padding: 26px; border-radius: 1.25rem; background: rgba(255,255,255,0.04);
}
.dpa__apply .cta { margin-top: auto; }
.dpa__apply-label { font-size: 0.74rem; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-light); }
.dpa__qr {
  width: 168px; height: 168px; background: #fff; border-radius: 1rem;
  display: flex; align-items: center; justify-content: center; padding: 12px;
}
.dpa__qr svg, .dpa__qr img { width: 100%; height: 100%; display: block; }
.dpa__qr-pending { color: #0D1B2A; font-size: 0.8rem; font-weight: 500; line-height: 1.4; }
.dpa__apply-text { font-size: 0.84rem; color: rgba(255,255,255,0.6); line-height: 1.5; max-width: 230px; }

@media (max-width: 760px) {
  .dpa__action { grid-template-columns: 1fr; }
}

/* ============================================================
   BLOG PAGE
   ============================================================ */
.blog { padding-top: clamp(28px, 5vh, 56px); }
.blog__head { max-width: 680px; margin-bottom: 44px; }
.blog__head .section-title { margin: 6px 0 16px; }
.blog__intro { color: rgba(255,255,255,0.65); font-size: 1.02rem; line-height: 1.75; }
.blog__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.blog__card { padding: 30px 28px; display: flex; flex-direction: column; align-items: flex-start; gap: 8px; }
.blog__card .loans__badge { margin-bottom: 6px; }
.blog__card h3 { font-size: 1.2rem; color: #fff; line-height: 1.25; }
.blog__card p { color: rgba(255,255,255,0.6); font-size: 0.92rem; line-height: 1.6; }
.blog__cta { margin-top: 44px; display: flex; flex-direction: column; align-items: center; gap: 16px; text-align: center; }
.blog__cta p { color: rgba(255,255,255,0.75); font-size: 1.05rem; }
@media (max-width: 800px) { .blog__grid { grid-template-columns: 1fr; } }

/* blog cards as links */
a.blog__card { text-decoration: none; transition: transform 0.2s ease, box-shadow 0.2s ease; }
a.blog__card:hover { transform: translateY(-4px); box-shadow: 0 18px 50px rgba(0,0,0,0.35); }
.blog__card .blog__cat { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--accent-light); }
.blog__card .blog__readmore { margin-top: auto; display: inline-flex; align-items: center; gap: 6px; font-size: 0.82rem; font-weight: 600; color: #fff; }
a.blog__card:hover .blog__readmore { color: var(--accent-light); }

/* ============================================================
   BLOG POST (article)
   ============================================================ */
.post { padding-top: clamp(26px, 4vh, 48px); }
.post__wrap { max-width: 760px; margin: 0 auto; }
.post__cat { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--accent-light); }
.post__title { font-size: clamp(2rem, 4vw, 3rem); line-height: 1.1; letter-spacing: -0.04em; color: #fff; margin: 10px 0 14px; }
.post__title .italic { font-size: 0.96em; }
.post__meta { font-size: 0.86rem; color: rgba(255,255,255,0.5); margin-bottom: 6px; }
.post__hr { height: 1px; border: none; background: rgba(255,255,255,0.12); margin: 26px 0 32px; }
.post__body p { color: rgba(255,255,255,0.78); font-size: 1.06rem; line-height: 1.8; margin-bottom: 20px; }
.post__body h2 { font-size: clamp(1.3rem, 2.4vw, 1.7rem); color: #fff; letter-spacing: -0.02em; margin: 36px 0 14px; }
.post__body h2 .italic { color: var(--accent-light); }
.post__body strong { color: #fff; font-weight: 600; }
.post__body em.k { font-family: var(--font-serif); font-style: italic; color: var(--accent-light); }
.post__body ul { margin: 0 0 22px 0; padding-left: 22px; }
.post__body li { color: rgba(255,255,255,0.78); font-size: 1.04rem; line-height: 1.7; margin-bottom: 10px; }
.post__body li::marker { color: var(--accent-light); }
.post__body blockquote { margin: 28px 0; padding: 4px 0 4px 22px; border-left: 2px solid var(--gold); color: #fff; font-family: var(--font-serif); font-style: italic; font-size: 1.25rem; line-height: 1.5; }
.post__cta-box { margin: 40px 0 8px; padding: 26px 30px; border-radius: 1.25rem; display: flex; flex-direction: row; gap: 24px; align-items: center; }
.post__cta-photo { flex: 0 0 auto; width: 96px; border-radius: 0.95rem; padding: 6px; }
.post__cta-photo img { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 0.6rem; display: block; }
.post__cta-text { display: flex; flex-direction: column; gap: 12px; align-items: flex-start; }
.post__cta-box h3 { font-size: 1.25rem; color: #fff; }
.post__cta-box p { color: rgba(255,255,255,0.7); font-size: 0.98rem; line-height: 1.6; }
@media (max-width: 520px) { .post__cta-box { flex-direction: column; align-items: flex-start; gap: 16px; } }
.post__disclaimer { margin-top: 30px; font-size: 0.78rem; color: rgba(255,255,255,0.42); line-height: 1.6; }
.post__back { display: inline-flex; align-items: center; gap: 6px; margin-bottom: 22px; font-size: 0.88rem; font-weight: 500; color: var(--accent-light); }
.post__back:hover { color: var(--gold-light); }