/* =========================================================
   Cheap Home Money / Landmark Mortgage LLC
   Main Stylesheet — cheaphomemoney.com demo
   =========================================================
   Color Palette:
     --navy:        #1B2B4B  (primary dark)
     --blue:        #2A6496  (accent blue)
     --coastal:     #4A9BC4  (soft coastal blue)
     --gold:        #C9972C  (warm gold)
     --gold-light:  #E8B84B  (hover gold)
     --gray:        #F4F6F9  (section bg)
     --gray-mid:    #6B7280  (muted text)
     --white:       #FFFFFF
     --text:        #1F2937  (body text)
   ========================================================= */

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

:root {
  --navy:       #1B2B4B;
  --blue:       #2A6496;
  --coastal:    #4A9BC4;
  --gold:       #C9972C;
  --gold-light: #E8B84B;
  --gray:       #F4F6F9;
  --gray-mid:   #6B7280;
  --gray-border:#D1D5DB;
  --white:      #FFFFFF;
  --text:       #1F2937;
  --red:        #DC2626;
  --green:      #16A34A;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.10);
  --shadow-md:  0 4px 12px rgba(0,0,0,.12);
  --shadow-lg:  0 8px 24px rgba(0,0,0,.14);
  --radius:     8px;
  --radius-lg:  14px;
  --transition: .22s ease;
  --max-width:  1140px;
  --font-sans:  'Inter', system-ui, -apple-system, sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--coastal); }
ul { list-style: none; }

/* ---- Typography ---- */
h1, h2, h3, h4 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy);
}
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.2rem; }
h4 { font-size: 1rem; }
p  { margin-bottom: .75rem; }
small { font-size: .85rem; color: var(--gray-mid); }

/* ---- Layout ---- */
.container { width: 100%; max-width: var(--max-width); margin: 0 auto; padding: 0 1.25rem; }
.section    { padding: 4.5rem 0; }
.section--gray { background: var(--gray); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h2, .section--navy h3 { color: var(--white); }

/* ---- Announcement Banner ---- */
#announcement-banner {
  background: var(--gold);
  color: var(--navy);
  text-align: center;
  font-size: .88rem;
  font-weight: 600;
  padding: .45rem 1rem;
  display: none; /* shown via JS when content set */
}
#announcement-banner.visible { display: block; }

/* ---- Navigation ---- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navy);
  box-shadow: var(--shadow-md);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: 1rem;
}
.nav-logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  text-decoration: none;
}
.nav-logo__main {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -.3px;
}
.nav-logo__sub {
  font-size: .7rem;
  font-weight: 400;
  color: rgba(255,255,255,.65);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: .15rem;
}
.nav-links a {
  color: rgba(255,255,255,.85);
  font-size: .88rem;
  font-weight: 500;
  padding: .4rem .72rem;
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
}
.nav-links a:hover,
.nav-links a.active { background: rgba(255,255,255,.12); color: var(--white); }
.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 700 !important;
  border-radius: var(--radius) !important;
  padding: .45rem 1rem !important;
}
.nav-cta:hover { background: var(--gold-light) !important; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: .4rem;
  border: none;
  background: transparent;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

@media (max-width: 820px) {
  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 1.25rem 1.5rem;
    gap: .35rem;
    box-shadow: var(--shadow-lg);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: .6rem .75rem; font-size: .95rem; }
}

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  font-weight: 600;
  font-size: .95rem;
  padding: .72rem 1.5rem;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--transition), color var(--transition), border-color var(--transition), box-shadow var(--transition);
  text-align: center;
  line-height: 1.3;
  font-family: inherit;
}
.btn--primary   { background: var(--gold); color: var(--navy); }
.btn--primary:hover { background: var(--gold-light); color: var(--navy); }
.btn--navy      { background: var(--navy); color: var(--white); }
.btn--navy:hover { background: #243560; color: var(--white); }
.btn--outline   { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: var(--white); }
.btn--outline-white { background: transparent; border-color: var(--white); color: var(--white); }
.btn--outline-white:hover { background: var(--white); color: var(--navy); }
.btn--blue      { background: var(--blue); color: var(--white); }
.btn--blue:hover { background: var(--coastal); color: var(--white); }
.btn--sm        { font-size: .82rem; padding: .45rem 1rem; }
.btn--lg        { font-size: 1.05rem; padding: .9rem 2rem; }
.btn--full      { display: block; width: 100%; }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #243560 55%, #2A5F8A 100%);
  color: var(--white);
  padding: 5.5rem 0 4.5rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 5px;
  background: linear-gradient(90deg, var(--gold), var(--coastal), var(--gold));
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 3rem;
  align-items: center;
}
.hero-badge {
  display: inline-block;
  background: rgba(201,151,44,.22);
  color: var(--gold-light);
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .9px;
  padding: .3rem .85rem;
  border-radius: 99px;
  margin-bottom: 1rem;
}
.hero h1 { color: var(--white); margin-bottom: .85rem; }
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,.82);
  margin-bottom: 1.75rem;
  max-width: 520px;
}
.hero-ctas { display: flex; gap: .75rem; flex-wrap: wrap; }
.hero-trust {
  display: flex;
  gap: 1.5rem;
  margin-top: 2.25rem;
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: .45rem;
  font-size: .85rem;
  color: rgba(255,255,255,.78);
}
.hero-trust-item svg { color: var(--gold); flex-shrink: 0; }

/* Hero form card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow-lg);
}
.hero-card h3 {
  color: var(--navy);
  margin-bottom: 1.2rem;
  font-size: 1.1rem;
  text-align: center;
}

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 480px; }
  .hero { padding: 3.5rem 0; }
}

/* ---- Section Headings ---- */
.section-heading {
  text-align: center;
  margin-bottom: 3rem;
}
.section-heading .eyebrow {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gold);
  margin-bottom: .5rem;
}
.section-heading p {
  color: var(--gray-mid);
  max-width: 580px;
  margin: .5rem auto 0;
}

/* ---- Trust Bar ---- */
.trust-bar { padding: 2rem 0; border-bottom: 1px solid var(--gray-border); }
.trust-items {
  display: flex;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
}
.trust-item svg { color: var(--gold); }

/* ---- Card Grid ---- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 1.5rem;
}
.card-grid--3 { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.card-grid--4 { grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); }

.card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card-icon {
  width: 48px; height: 48px;
  background: rgba(42,100,150,.1);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1rem;
  color: var(--blue);
}
.card h3 { margin-bottom: .5rem; font-size: 1.05rem; }
.card p   { font-size: .9rem; color: var(--gray-mid); margin-bottom: 1rem; }

/* Loan program cards */
.loan-card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: .75rem;
}
.loan-card:hover { box-shadow: var(--shadow-md); }
.loan-card__icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: .5rem;
}
.loan-card__badge {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .6px;
  color: var(--blue);
  background: rgba(42,100,150,.1);
  padding: .2rem .6rem;
  border-radius: 99px;
  width: fit-content;
}
.loan-card h3 { font-size: 1.15rem; margin: 0; }
.loan-card p  { font-size: .9rem; color: var(--gray-mid); flex: 1; }
.loan-card__details {
  border-top: 1px solid var(--gray-border);
  padding-top: .75rem;
  margin-top: .25rem;
  font-size: .85rem;
}
.loan-card__details li {
  display: flex;
  gap: .5rem;
  margin-bottom: .35rem;
  color: var(--gray-mid);
}
.loan-card__details li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }

/* ---- How It Works ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0;
  position: relative;
}
.step {
  text-align: center;
  padding: 2rem 1.5rem;
  position: relative;
}
.step__num {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-size: 1.2rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1rem;
}
.step h3 { font-size: 1rem; margin-bottom: .4rem; }
.step p   { font-size: .875rem; color: var(--gray-mid); }
.step--connector::after {
  content: '';
  position: absolute;
  top: calc(2rem + 26px);
  right: -1px;
  width: 2px;
  height: 2px;
  border-top: 2px dashed var(--gray-border);
  width: calc(100% - 52px - 1rem);
  left: calc(50% + 26px + .5rem);
  height: 0;
}

/* ---- Forms ---- */
.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: .35rem;
}
.form-control {
  width: 100%;
  padding: .65rem .875rem;
  border: 1.5px solid var(--gray-border);
  border-radius: var(--radius);
  font-size: .9rem;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus {
  outline: none;
  border-color: var(--coastal);
  box-shadow: 0 0 0 3px rgba(74,155,196,.18);
}
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%236B7280'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right .75rem center; padding-right: 2.25rem; }
textarea.form-control { resize: vertical; min-height: 90px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }

/* ---- Disclaimer / Compliance ---- */
.disclaimer-box {
  background: rgba(27,43,75,.06);
  border-left: 3px solid var(--coastal);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: .85rem 1.1rem;
  font-size: .82rem;
  color: var(--gray-mid);
  line-height: 1.55;
}

/* ---- Checklist ---- */
.checklist { display: grid; gap: .5rem; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  font-size: .9rem;
}
.checklist li::before {
  content: '';
  width: 18px; height: 18px;
  border: 2px solid var(--blue);
  border-radius: 4px;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ---- Calculator ---- */
.calc-card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}
.calc-result {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem;
  text-align: center;
  margin-top: 1rem;
}
.calc-result__amount { font-size: 2rem; font-weight: 800; color: var(--gold); }
.calc-result__label  { font-size: .82rem; color: rgba(255,255,255,.7); margin-top: .25rem; }

/* Range slider */
.range-wrap { position: relative; }
input[type=range] {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: var(--gray-border);
  border-radius: 2px;
  outline: none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--blue);
  cursor: pointer;
  box-shadow: 0 1px 4px rgba(0,0,0,.2);
}
.range-val {
  display: flex;
  justify-content: space-between;
  font-size: .78rem;
  color: var(--gray-mid);
  margin-top: .25rem;
}

/* ---- FAQ Accordion ---- */
.faq-item {
  border: 1px solid var(--gray-border);
  border-radius: var(--radius);
  margin-bottom: .6rem;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  text-align: left;
  background: var(--white);
  border: none;
  padding: 1rem 1.25rem;
  font-size: .95rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: inherit;
  transition: background var(--transition);
}
.faq-q:hover { background: var(--gray); }
.faq-q .faq-arrow { transition: transform var(--transition); flex-shrink: 0; color: var(--coastal); }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-a {
  display: none;
  padding: .75rem 1.25rem 1rem;
  font-size: .9rem;
  color: var(--gray-mid);
  border-top: 1px solid var(--gray-border);
}
.faq-item.open .faq-a { display: block; }

/* ---- Resources / Guide Cards ---- */
.resource-card {
  background: var(--white);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--transition);
}
.resource-card:hover { box-shadow: var(--shadow-md); }
.resource-card__header {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  padding: 1.5rem;
  color: var(--white);
}
.resource-card__cat {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--gold-light);
  margin-bottom: .4rem;
}
.resource-card__header h3 { color: var(--white); font-size: 1rem; }
.resource-card__body { padding: 1.25rem; flex: 1; font-size: .88rem; color: var(--gray-mid); }
.resource-card__foot { padding: 0 1.25rem 1.25rem; }

/* ---- Team / About ---- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.about-img-placeholder {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: var(--radius-lg);
  aspect-ratio: 4/3;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.35);
  font-size: .85rem;
  text-align: center;
  padding: 2rem;
}
@media (max-width: 720px) {
  .about-grid { grid-template-columns: 1fr; }
}

/* ---- Contact ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 3rem; align-items: start; }
@media (max-width: 760px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-info-item {
  display: flex;
  gap: .85rem;
  margin-bottom: 1.5rem;
}
.contact-info-item__icon {
  width: 40px; height: 40px;
  border-radius: var(--radius);
  background: rgba(42,100,150,.1);
  display: flex; align-items: center; justify-content: center;
  color: var(--blue);
  flex-shrink: 0;
}
.contact-info-item h4 { font-size: .85rem; color: var(--gray-mid); font-weight: 500; margin-bottom: .15rem; }
.contact-info-item p  { font-size: .95rem; font-weight: 600; color: var(--navy); margin: 0; }

.map-placeholder {
  background: var(--gray);
  border: 1px solid var(--gray-border);
  border-radius: var(--radius);
  aspect-ratio: 16/9;
  display: flex; align-items: center; justify-content: center;
  font-size: .85rem;
  color: var(--gray-mid);
  text-align: center;
  flex-direction: column;
  gap: .5rem;
  margin-bottom: 1.5rem;
}

/* ---- Application Buttons ---- */
.app-btn-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 1rem;
}
.app-btn-item {
  background: var(--white);
  border: 2px solid var(--navy);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1rem;
  text-align: center;
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .5rem;
  text-decoration: none;
  color: var(--navy);
}
.app-btn-item:hover { background: var(--navy); color: var(--white); }
.app-btn-item .app-icon { font-size: 1.6rem; }
.app-btn-item span { font-size: .85rem; font-weight: 700; }

/* ---- Footer ---- */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,.75);
  padding: 3.5rem 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
}
@media (max-width: 820px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer-logo {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: .6rem;
}
.footer-tagline { font-size: .85rem; margin-bottom: 1rem; }
.footer-col h4 {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--gold-light);
  margin-bottom: .85rem;
}
.footer-col ul li { margin-bottom: .45rem; }
.footer-col ul a { font-size: .875rem; color: rgba(255,255,255,.7); }
.footer-col ul a:hover { color: var(--white); }
.footer-contact-item { display: flex; gap: .5rem; margin-bottom: .5rem; font-size: .85rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  padding: 1.25rem 0;
  font-size: .78rem;
  color: rgba(255,255,255,.5);
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: .75rem;
}
.footer-eho {
  display: flex;
  align-items: center;
  gap: .45rem;
}
.eho-logo {
  width: 28px; height: 28px;
  border: 2px solid rgba(255,255,255,.35);
  border-radius: 3px;
  display: flex; align-items: center; justify-content: center;
  font-size: .55rem;
  font-weight: 800;
  color: rgba(255,255,255,.6);
  flex-direction: column;
  line-height: 1;
  text-transform: uppercase;
}

/* ---- Alert / Notice ---- */
.alert {
  border-radius: var(--radius);
  padding: .85rem 1.1rem;
  font-size: .875rem;
  display: flex;
  gap: .6rem;
  align-items: flex-start;
}
.alert--info { background: rgba(74,155,196,.12); border-left: 3px solid var(--coastal); color: var(--navy); }
.alert--warn { background: rgba(201,151,44,.12); border-left: 3px solid var(--gold); color: var(--navy); }
.alert--success { background: rgba(22,163,74,.1); border-left: 3px solid var(--green); color: #14532d; }

/* ---- Tabs (for admin & resources) ---- */
.tab-bar {
  display: flex;
  gap: .25rem;
  border-bottom: 2px solid var(--gray-border);
  margin-bottom: 1.75rem;
  overflow-x: auto;
}
.tab-btn {
  background: transparent;
  border: none;
  padding: .6rem 1.1rem;
  font-size: .9rem;
  font-weight: 600;
  color: var(--gray-mid);
  cursor: pointer;
  white-space: nowrap;
  position: relative;
  font-family: inherit;
  transition: color var(--transition);
}
.tab-btn.active { color: var(--navy); }
.tab-btn.active::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0; right: 0;
  height: 2px;
  background: var(--blue);
}
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ---- Badge ---- */
.badge {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  padding: .15rem .5rem;
  border-radius: 99px;
}
.badge--blue  { background: rgba(42,100,150,.15); color: var(--blue); }
.badge--gold  { background: rgba(201,151,44,.15); color: #92650a; }
.badge--green { background: rgba(22,163,74,.12); color: var(--green); }
.badge--gray  { background: var(--gray); color: var(--gray-mid); }
.badge--red   { background: rgba(220,38,38,.1); color: var(--red); }

/* ---- Utility ---- */
.text-center { text-align: center; }
.text-gold   { color: var(--gold); }
.text-coastal { color: var(--coastal); }
.text-muted  { color: var(--gray-mid); }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: .5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.gap-1 { gap: .5rem; }
.gap-2 { gap: 1rem; }
.flex { display: flex; }
.flex-wrap { flex-wrap: wrap; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.hidden { display: none !important; }
.sr-only { position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; }

/* ---- Success Toast ---- */
#toast {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  background: var(--green);
  color: var(--white);
  padding: .85rem 1.25rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .9rem;
  box-shadow: var(--shadow-lg);
  transform: translateY(120%);
  transition: transform .3s ease;
  z-index: 9999;
}
#toast.show { transform: translateY(0); }

/* ---- Page Hero (inner pages) ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy), #2A5F8A);
  padding: 3.5rem 0 2.5rem;
  color: var(--white);
  border-bottom: 4px solid var(--gold);
}
.page-hero h1 { color: var(--white); margin-bottom: .5rem; }
.page-hero p  { color: rgba(255,255,255,.8); max-width: 620px; font-size: 1.05rem; }

/* ---- Stat Counter ---- */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1.5rem;
  text-align: center;
}
.stat-item__num {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}
.stat-item__label { font-size: .82rem; color: rgba(255,255,255,.7); margin-top: .3rem; }

/* ---- Print ---- */
@media print {
  .site-nav, .site-footer, .hero-card, #toast { display: none; }
}

/* =========================================================
   Client-ready coastal polish
   ========================================================= */
:root {
  --navy:       #10243f;
  --blue:       #22608f;
  --coastal:    #8bc5dc;
  --coastal-2:  #dff1f7;
  --gold:       #c79a3a;
  --gold-light: #edc66f;
  --gray:       #f6f9fb;
  --gray-border:#dce5eb;
  --text:       #203040;
  --shadow-sm:  0 8px 22px rgba(16, 36, 63, .08);
  --shadow-md:  0 16px 38px rgba(16, 36, 63, .12);
  --shadow-lg:  0 24px 70px rgba(16, 36, 63, .22);
  --radius-lg:  10px;
}

body {
  background:
    linear-gradient(180deg, rgba(223, 241, 247, .55), rgba(255, 255, 255, 0) 360px),
    var(--white);
  color: var(--text);
}

h1, h2, h3, h4 {
  letter-spacing: 0;
}

h1 {
  font-size: clamp(2.55rem, 5vw, 4.55rem);
  line-height: 1.02;
}

h2 {
  font-size: clamp(1.75rem, 3vw, 2.65rem);
}

.container {
  max-width: 1180px;
}

.section {
  padding: 5.75rem 0;
}

.section--gray {
  background:
    linear-gradient(180deg, rgba(255,255,255,.55), rgba(255,255,255,0)),
    var(--gray);
}

.section--navy {
  background:
    radial-gradient(circle at 18% 12%, rgba(139,197,220,.18), transparent 34%),
    linear-gradient(135deg, #0d1f37 0%, #123252 58%, #174867 100%);
  position: relative;
  overflow: hidden;
}

.section--navy::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 76px 100%;
  opacity: .25;
}

.section--navy > .container {
  position: relative;
}

#announcement-banner {
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  letter-spacing: .01em;
}

.site-nav {
  background: rgba(16, 36, 63, .96);
  border-bottom: 1px solid rgba(255,255,255,.1);
  box-shadow: 0 10px 28px rgba(16, 36, 63, .16);
  backdrop-filter: blur(12px);
}

.nav-inner {
  height: 72px;
}

.nav-logo__main {
  font-size: 1.22rem;
}

.nav-logo__sub {
  color: rgba(255,255,255,.72);
}

.nav-links {
  gap: .25rem;
}

.nav-links a {
  border-radius: 999px;
  padding: .5rem .82rem;
}

.nav-cta,
.btn--primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy) !important;
  box-shadow: 0 10px 24px rgba(199,154,58,.24);
}

.nav-cta:hover,
.btn--primary:hover {
  background: linear-gradient(135deg, #d7aa48, #f1d386) !important;
  transform: translateY(-1px);
}

.btn {
  border-radius: 999px;
  font-weight: 750;
  letter-spacing: 0;
}

.btn--outline {
  border-color: rgba(16, 36, 63, .25);
  color: var(--navy);
  background: rgba(255,255,255,.66);
}

.btn--outline:hover {
  background: var(--navy);
  border-color: var(--navy);
}

.btn--outline-white {
  border-color: rgba(255,255,255,.42);
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(8px);
}

.btn--outline-white:hover {
  background: var(--white);
  border-color: var(--white);
}

.hero {
  min-height: 760px;
  display: flex;
  align-items: center;
  padding: 6rem 0 5rem;
  background:
    linear-gradient(90deg, rgba(10, 27, 48, .94) 0%, rgba(10, 27, 48, .84) 42%, rgba(10, 27, 48, .48) 68%, rgba(10, 27, 48, .38) 100%),
    linear-gradient(180deg, rgba(16,36,63,.1), rgba(16,36,63,.34)),
    url('../assets/images/coastal-home-hero.png') center / cover no-repeat;
}

.hero::before {
  content: '';
  position: absolute;
  inset: auto 0 0;
  height: 38%;
  background: linear-gradient(180deg, rgba(255,255,255,0), rgba(246,249,251,.95));
  pointer-events: none;
}

.hero::after {
  height: 7px;
  background: linear-gradient(90deg, var(--gold), var(--coastal), #ffffff, var(--gold));
}

.hero-grid {
  grid-template-columns: minmax(0, 1fr) minmax(360px, 410px);
  gap: 3.5rem;
  position: relative;
  z-index: 1;
}

.hero-content {
  max-width: 720px;
}

.hero-badge {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
  color: var(--gold-light);
  padding: .42rem .95rem;
  backdrop-filter: blur(10px);
}

.hero h1 {
  max-width: 720px;
  text-wrap: balance;
}

.hero-sub {
  font-size: clamp(1.05rem, 1.5vw, 1.28rem);
  max-width: 640px;
  color: rgba(255,255,255,.86);
}

.hero-trust {
  gap: .75rem;
}

.hero-trust-item,
.trust-item {
  border: 1px solid rgba(255,255,255,.16);
  background: rgba(255,255,255,.08);
  border-radius: 999px;
  padding: .55rem .85rem;
}

.hero-card,
.calc-card,
.card,
.loan-card,
.resource-card {
  border: 1px solid rgba(16,36,63,.1);
  box-shadow: var(--shadow-sm);
}

.hero-card {
  border-color: rgba(255,255,255,.65);
  box-shadow: var(--shadow-lg);
  padding: 2rem;
  position: relative;
}

.hero-card::before {
  content: 'Local coastal mortgage guidance';
  display: block;
  margin: -2rem -2rem 1.4rem;
  padding: .75rem 1rem;
  background: linear-gradient(90deg, var(--coastal-2), #fff8e7);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  color: var(--navy);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-align: center;
  text-transform: uppercase;
}

.form-control {
  border-color: #cfdae2;
  background: #fbfdfe;
  min-height: 44px;
}

.form-control:focus {
  background: var(--white);
}

.trust-bar {
  background: rgba(255,255,255,.92);
  border-bottom: 1px solid rgba(16,36,63,.08);
  box-shadow: 0 12px 32px rgba(16,36,63,.06);
}

.trust-item {
  background: var(--white);
  border-color: rgba(16,36,63,.08);
  box-shadow: 0 8px 20px rgba(16,36,63,.05);
}

.section-heading {
  margin-bottom: 3.25rem;
}

.section-heading h2 {
  text-wrap: balance;
}

.section-heading p {
  max-width: 680px;
  font-size: 1.02rem;
}

.section-heading .eyebrow,
.eyebrow {
  color: #a97816;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.card,
.loan-card,
.resource-card,
.calc-card {
  border-radius: 10px;
  background:
    linear-gradient(180deg, rgba(255,255,255,1), rgba(255,255,255,.94)),
    var(--white);
}

.card:hover,
.loan-card:hover,
.resource-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.card-icon,
.loan-card__icon,
.contact-info-item__icon {
  background: linear-gradient(135deg, rgba(139,197,220,.22), rgba(199,154,58,.14));
  border: 1px solid rgba(34,96,143,.14);
  color: var(--blue);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.8);
}

.card h3,
.loan-card h3 {
  font-size: 1.12rem;
}

.step {
  background: rgba(255,255,255,.52);
  border: 1px solid rgba(16,36,63,.08);
}

.step:first-child {
  border-radius: 10px 0 0 10px;
}

.step:last-child {
  border-radius: 0 10px 10px 0;
}

.step__num {
  box-shadow: 0 10px 26px rgba(199,154,58,.28);
}

.page-hero {
  padding: 4.75rem 0 3.4rem;
  background:
    linear-gradient(90deg, rgba(16,36,63,.94), rgba(16,36,63,.76)),
    url('../assets/images/coastal-home-hero.png') center 42% / cover no-repeat;
  border-bottom: 6px solid var(--gold);
}

.page-hero h1 {
  font-size: clamp(2.2rem, 4vw, 3.65rem);
}

.alert {
  border-radius: 10px;
  border: 1px solid rgba(16,36,63,.08);
  box-shadow: 0 8px 20px rgba(16,36,63,.04);
}

.disclaimer-box {
  background: #f8fbfc;
  border: 1px solid rgba(34,96,143,.14);
  border-left: 4px solid var(--coastal);
}

.app-btn-item {
  border-color: rgba(16,36,63,.16);
  box-shadow: var(--shadow-sm);
}

.app-btn-item:hover {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.site-footer {
  background:
    radial-gradient(circle at 85% 0%, rgba(139,197,220,.16), transparent 28%),
    #0d1f37;
}

@media (max-width: 900px) {
  .hero {
    min-height: auto;
    background:
      linear-gradient(180deg, rgba(10, 27, 48, .95), rgba(10, 27, 48, .78)),
      url('../assets/images/coastal-home-hero.png') center / cover no-repeat;
  }

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

  .hero-card {
    max-width: 540px;
  }
}

@media (max-width: 620px) {
  .section {
    padding: 4rem 0;
  }

  .hero {
    padding: 4rem 0 3.5rem;
  }

  .hero-ctas .btn {
    width: 100%;
  }

  .step,
  .step:first-child,
  .step:last-child {
    border-radius: 10px;
    margin-bottom: .75rem;
  }

  .step--connector::after {
    display: none;
  }
}