/* ==========================================================================
   Mortgage Solutions, LP - Complete Design System
   ========================================================================== */

/* ========================================================================
   1. CSS CUSTOM PROPERTIES & TOKENS
   ======================================================================== */

:root {
  /* Colors */
  --color-navy: #0A1F3F;
  --color-gold: #C9A84C;
  --color-white: #FFFFFF;
  --color-light-gray: #F7F7F7;
  --color-gray: #6B7280;
  --color-dark-gray: #374151;
  --color-text: #1F2937;
  --color-border: #E5E7EB;
  --color-success: #10B981;
  --color-error: #EF4444;
  --color-warning: #F59E0B;

  /* Typography */
  --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Playfair Display', serif;

  /* Fluid typography with clamp() - scales between 375px and 1200px viewports */
  --font-size-xs: 0.75rem;
  --font-size-sm: 0.875rem;
  --font-size-base: 1rem;
  --font-size-lg: 1.125rem;
  --font-size-xl: clamp(1.125rem, 1.05rem + 0.3vw, 1.25rem);
  --font-size-2xl: clamp(1.25rem, 1.1rem + 0.6vw, 1.5rem);
  --font-size-3xl: clamp(1.5rem, 1.2rem + 1.2vw, 1.875rem);
  --font-size-4xl: clamp(1.75rem, 1.3rem + 1.8vw, 2.25rem);
  --font-size-5xl: clamp(2rem, 1.4rem + 2.4vw, 3rem);
  --font-size-6xl: clamp(2.5rem, 1.6rem + 3.6vw, 3.75rem);

  --font-weight-normal: 400;
  --font-weight-medium: 500;
  --font-weight-semibold: 600;
  --font-weight-bold: 700;

  --line-height-tight: 1.2;
  --line-height-snug: 1.375;
  --line-height-normal: 1.5;
  --line-height-relaxed: 1.625;
  --line-height-loose: 1.875;

  /* Spacing */
  --spacing-xs: 0.25rem;
  --spacing-sm: 0.5rem;
  --spacing-md: 1rem;
  --spacing-lg: 1.5rem;
  --spacing-xl: 2rem;
  --spacing-2xl: 2.5rem;
  --spacing-3xl: 3rem;
  --spacing-4xl: 4rem;
  --spacing-5xl: 5rem;
  --spacing-6xl: 6rem;

  /* Border Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-2xl: 1.5rem;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
  --shadow-2xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);

  /* Transitions */
  --transition-fast: 150ms ease-in-out;
  --transition-base: 200ms ease-in-out;
  --transition-slow: 300ms ease-in-out;

  /* Z-Index */
  --z-dropdown: 1000;
  --z-modal: 1050;
  --z-popover: 1100;
}

/* ========================================================================
   2. RESET & BASE STYLES
   ======================================================================== */

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

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

body {
  font-family: var(--font-primary);
  font-size: var(--font-size-base);
  line-height: var(--line-height-normal);
  color: var(--color-text);
  background-color: var(--color-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: var(--font-weight-bold);
  line-height: var(--line-height-tight);
  color: var(--color-navy);
  margin-bottom: var(--spacing-md);
  text-wrap: balance;
}

/* Smooth scroll offset for anchor links */
[id] {
  scroll-margin-top: 5rem;
}

h1 {
  font-size: var(--font-size-5xl);
}

h2 {
  font-size: var(--font-size-4xl);
}

h3 {
  font-size: var(--font-size-3xl);
}

h4 {
  font-size: var(--font-size-2xl);
  font-family: var(--font-primary);
  font-weight: var(--font-weight-semibold);
}

h5 {
  font-size: var(--font-size-xl);
  font-family: var(--font-primary);
  font-weight: var(--font-weight-semibold);
}

h6 {
  font-size: var(--font-size-lg);
  font-family: var(--font-primary);
  font-weight: var(--font-weight-semibold);
}

p {
  margin-bottom: var(--spacing-md);
  text-wrap: pretty;
}

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

a:hover {
  color: #B8932B;
}

button {
  font-family: var(--font-primary);
  cursor: pointer;
  border: none;
  transition: all var(--transition-fast);
}

/* ========================================================================
   3. CONTAINER & LAYOUT
   ======================================================================== */

.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 var(--spacing-lg);
}

.container-sm {
  max-width: 640px;
}

.container-md {
  max-width: 896px;
}

.container-lg {
  max-width: 1280px;
}

section {
  padding: clamp(3rem, 5vw, 6rem) 0;
}

section.py-4xl {
  padding: var(--spacing-4xl) 0;
}

section.py-5xl {
  padding: var(--spacing-5xl) 0;
}

/* ========================================================================
   4. NAVIGATION
   ======================================================================== */

header {
  background-color: var(--color-white);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
  transition: box-shadow var(--transition-fast);
}

header.scrolled {
  box-shadow: var(--shadow-md);
}

nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--spacing-lg) 0;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  font-size: var(--font-size-xl);
  font-weight: var(--font-weight-bold);
  color: var(--color-navy);
  text-decoration: none;
}

.nav-logo-img {
  height: 45px;
  width: auto;
}

.nav-links {
  display: flex;
  gap: var(--spacing-2xl);
  list-style: none;
}

.nav-links a {
  font-size: var(--font-size-sm);
  font-weight: var(--font-weight-medium);
  color: var(--color-text);
  text-decoration: none;
  position: relative;
  transition: color var(--transition-fast);
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--color-gold);
  transition: width var(--transition-fast);
}

.nav-links a:hover {
  color: var(--color-gold);
}

.nav-links a:hover::after {
  width: 100%;
}

.nav-cta {
  background-color: var(--color-gold);
  color: var(--color-navy);
  padding: var(--spacing-sm) var(--spacing-lg);
  border-radius: var(--radius-lg);
  font-size: var(--font-size-sm);
  font-weight: var(--font-weight-semibold);
  white-space: nowrap;
  transition: all var(--transition-fast);
}

.nav-cta:hover {
  background-color: #B8932B;
  color: var(--color-white);
  box-shadow: var(--shadow-lg);
}

.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  gap: var(--spacing-xs);
  background: none;
  border: none;
  cursor: pointer;
  padding: var(--spacing-md);
  margin: calc(-1 * var(--spacing-md));
}

.mobile-menu-toggle span {
  width: 24px;
  height: 3px;
  background-color: var(--color-navy);
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
}

/* ========================================================================
   5. FOOTER
   ======================================================================== */

footer {
  background-color: var(--color-navy);
  color: var(--color-white);
  padding: var(--spacing-6xl) 0 var(--spacing-3xl);
  margin-top: var(--spacing-6xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--spacing-4xl);
  margin-bottom: var(--spacing-4xl);
}

.footer-section h4 {
  color: var(--color-white);
  margin-bottom: var(--spacing-lg);
  font-family: var(--font-display);
}

.footer-section ul {
  list-style: none;
}

.footer-section li {
  margin-bottom: var(--spacing-md);
}

.footer-section a {
  color: #E5E7EB;
  font-size: var(--font-size-sm);
  transition: color var(--transition-fast);
}

.footer-section a:hover {
  color: var(--color-gold);
}

.footer-section p {
  font-size: var(--font-size-sm);
  color: #E5E7EB;
  margin-bottom: var(--spacing-md);
}

.footer-divider {
  height: 1px;
  background-color: rgba(255, 255, 255, 0.1);
  margin: var(--spacing-4xl) 0;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--font-size-sm);
  color: #E5E7EB;
}

.footer-nmls {
  font-size: var(--font-size-xs);
  color: #9CA3AF;
  margin-top: var(--spacing-lg);
  line-height: var(--line-height-relaxed);
}

.social-links {
  display: flex;
  gap: var(--spacing-lg);
  list-style: none;
  margin-top: var(--spacing-lg);
}

.social-links a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background-color: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  transition: all var(--transition-fast);
}

.social-links a:hover {
  background-color: var(--color-gold);
  color: var(--color-navy);
}

.social-links a svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

/* ========================================================================
   6. BUTTONS & CTAs
   ======================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-sm);
  padding: var(--spacing-md) var(--spacing-xl);
  font-size: var(--font-size-sm);
  font-weight: var(--font-weight-semibold);
  border-radius: var(--radius-lg);
  transition: all var(--transition-base);
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background-color: var(--color-gold);
  color: var(--color-navy);
}

.btn-primary:hover {
  background-color: #B8932B;
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.btn-secondary {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.btn-secondary:hover {
  background-color: #051829;
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-gold);
  border: 2px solid var(--color-gold);
}

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

.btn-white {
  background-color: var(--color-white);
  color: var(--color-navy);
}

.btn-white:hover {
  background-color: var(--color-light-gray);
}

.btn-lg {
  padding: var(--spacing-lg) var(--spacing-2xl);
  font-size: var(--font-size-base);
}

.btn-block {
  width: 100%;
}

.btn-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  padding: 0;
  border-radius: 50%;
}

/* ========================================================================
   7. HERO SECTION
   ======================================================================== */

.hero {
  background: linear-gradient(135deg, var(--color-navy) 0%, #1a3a5c 100%);
  color: var(--color-white);
  padding: var(--spacing-6xl) 0;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201, 168, 76, 0.1) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -10%;
  left: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201, 168, 76, 0.08) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 10;
}

.hero h1 {
  color: var(--color-white);
  margin-bottom: var(--spacing-lg);
  font-size: var(--font-size-6xl);
}

.hero-subtitle {
  font-size: var(--font-size-2xl);
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: var(--spacing-2xl);
  max-width: 600px;
}

.hero-ctas {
  display: flex;
  gap: var(--spacing-lg);
  flex-wrap: wrap;
  align-items: center;
  margin-bottom: var(--spacing-3xl);
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-sm);
  background-color: rgba(201, 168, 76, 0.2);
  padding: var(--spacing-sm) var(--spacing-lg);
  border-radius: var(--radius-xl);
  font-size: var(--font-size-sm);
  color: var(--color-white);
  border: 1px solid rgba(201, 168, 76, 0.4);
}

.hero-badge strong {
  color: var(--color-gold);
}

/* ========================================================================
   8. FEATURE CARDS & GRIDS
   ======================================================================== */

.grid {
  display: grid;
  gap: var(--spacing-3xl);
}

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

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.grid-4 {
  grid-template-columns: repeat(4, 1fr);
}

.card {
  background-color: var(--color-white);
  border-radius: var(--radius-xl);
  padding: var(--spacing-2xl);
  border: 1px solid var(--color-border);
  transition: all var(--transition-base);
}

.card:hover {
  box-shadow: var(--shadow-xl);
  transform: translateY(-4px);
  border-color: var(--color-gold);
}

.card-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  background-color: rgba(201, 168, 76, 0.1);
  border-radius: var(--radius-lg);
  margin-bottom: var(--spacing-lg);
  font-size: var(--font-size-2xl);
}

.card h3 {
  margin-bottom: var(--spacing-md);
}

.card p {
  color: var(--color-gray);
  font-size: var(--font-size-sm);
}

/* ========================================================================
   9. TESTIMONIALS & REVIEWS
   ======================================================================== */

.testimonial {
  background-color: var(--color-light-gray);
  border-left: 4px solid var(--color-gold);
  padding: var(--spacing-2xl);
  border-radius: var(--radius-lg);
  margin-bottom: var(--spacing-2xl);
}

.testimonial-content {
  font-style: italic;
  color: var(--color-text);
  margin-bottom: var(--spacing-lg);
  font-size: var(--font-size-sm);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
}

.testimonial-avatar {
  width: 45px;
  height: 45px;
  border-radius: 50%;
  background-color: var(--color-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-navy);
  font-weight: var(--font-weight-bold);
  font-size: var(--font-size-lg);
}

.testimonial-meta {
  display: flex;
  flex-direction: column;
}

.testimonial-name {
  font-weight: var(--font-weight-semibold);
  font-size: var(--font-size-sm);
  color: var(--color-navy);
}

.testimonial-location {
  font-size: var(--font-size-xs);
  color: var(--color-gray);
}

.testimonial-type {
  font-size: var(--font-size-xs);
  color: var(--color-gold);
  font-weight: var(--font-weight-semibold);
}

.stars {
  color: #FCD34D;
  font-size: var(--font-size-sm);
  margin-bottom: var(--spacing-sm);
}

/* ========================================================================
   10. FORMS
   ======================================================================== */

.form-group {
  margin-bottom: var(--spacing-2xl);
}

label {
  display: block;
  font-weight: var(--font-weight-medium);
  margin-bottom: var(--spacing-sm);
  color: var(--color-text);
  font-size: var(--font-size-sm);
}

input,
select,
textarea {
  width: 100%;
  padding: var(--spacing-md);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  font-family: var(--font-primary);
  font-size: var(--font-size-base);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.1);
}

textarea {
  resize: vertical;
  min-height: 120px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-2xl);
}

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

.form-error {
  border-color: var(--color-error) !important;
}

.error-message {
  color: var(--color-error);
  font-size: var(--font-size-sm);
  margin-top: var(--spacing-sm);
}

/* ========================================================================
   11. SECTION STYLING
   ======================================================================== */

.bg-navy {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.bg-navy h2,
.bg-navy h3 {
  color: var(--color-white);
}

.bg-light {
  background-color: var(--color-light-gray);
}

.bg-gradient {
  background: linear-gradient(135deg, var(--color-navy) 0%, #1a3a5c 100%);
  color: var(--color-white);
}

.bg-gradient h2,
.bg-gradient h3 {
  color: var(--color-white);
}

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

.text-gold {
  color: var(--color-gold);
}

.text-navy {
  color: var(--color-navy);
}

/* ========================================================================
   12. STATS & METRICS
   ======================================================================== */

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-3xl);
  text-align: center;
}

.stat-item {
  padding: var(--spacing-2xl);
}

.stat-number {
  font-size: var(--font-size-5xl);
  font-weight: var(--font-weight-bold);
  color: var(--color-gold);
  margin-bottom: var(--spacing-sm);
  font-family: var(--font-display);
}

.stat-label {
  font-size: var(--font-size-lg);
  color: var(--color-text);
}

.bg-navy .stat-label {
  color: rgba(255, 255, 255, 0.9);
}

/* ========================================================================
   13. LISTS & FEATURES
   ======================================================================== */

.feature-list {
  list-style: none;
}

.feature-list li {
  padding: var(--spacing-md) 0;
  padding-left: var(--spacing-2xl);
  position: relative;
  font-size: var(--font-size-sm);
  line-height: var(--line-height-relaxed);
}

.feature-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: var(--spacing-md);
  color: var(--color-gold);
  font-weight: var(--font-weight-bold);
  font-size: 1.25rem;
}

.feature-list.text-white li::before {
  color: var(--color-gold);
}

/* ========================================================================
   14. ACCORDION & TABS
   ======================================================================== */

.accordion {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.accordion-item {
  border-bottom: 1px solid var(--color-border);
}

.accordion-item:last-child {
  border-bottom: none;
}

.accordion-button {
  width: 100%;
  padding: var(--spacing-lg) var(--spacing-2xl);
  background-color: var(--color-white);
  border: none;
  text-align: left;
  font-size: var(--font-size-base);
  font-weight: var(--font-weight-medium);
  color: var(--color-navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background-color var(--transition-fast);
}

.accordion-button:hover {
  background-color: var(--color-light-gray);
}

.accordion-button.active {
  color: var(--color-gold);
}

.accordion-button::after {
  content: '+';
  font-size: var(--font-size-lg);
  transition: transform var(--transition-fast);
}

.accordion-button.active::after {
  transform: rotate(45deg);
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow);
  background-color: var(--color-light-gray);
}

.accordion-content.active {
  max-height: 500px;
}

.accordion-body {
  padding: var(--spacing-lg) var(--spacing-2xl);
}

/* Tabs */
.tabs {
  border-bottom: 2px solid var(--color-border);
  display: flex;
  gap: var(--spacing-2xl);
  margin-bottom: var(--spacing-3xl);
}

.tab-button {
  background: none;
  border: none;
  padding: var(--spacing-lg) 0;
  font-size: var(--font-size-base);
  font-weight: var(--font-weight-medium);
  color: var(--color-gray);
  cursor: pointer;
  position: relative;
  transition: color var(--transition-fast);
}

.tab-button:hover {
  color: var(--color-navy);
}

.tab-button.active {
  color: var(--color-gold);
}

.tab-button.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 2px;
  background-color: var(--color-gold);
}

.tab-content {
  display: none;
}

.tab-content.active {
  display: block;
  animation: fadeIn 200ms ease-in-out;
}

@keyframes fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

/* ========================================================================
   15. IMAGES & MEDIA
   ======================================================================== */

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

.img-responsive {
  width: 100%;
  height: auto;
}

.img-rounded {
  border-radius: var(--radius-lg);
}

.img-circle {
  border-radius: 50%;
  object-fit: cover;
}

.img-full {
  width: 100%;
  height: auto;
}

.img-block {
  display: block;
}

.hero-headshot {
  width: 100%;
  max-width: 380px;
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.4);
  border: 4px solid rgba(201, 168, 76, 0.3);
  height: auto;
}

/* ========================================================================
   16. UTILITY CLASSES
   ======================================================================== */

.mt-md { margin-top: var(--spacing-md); }
.mt-lg { margin-top: var(--spacing-lg); }
.mt-xl { margin-top: var(--spacing-xl); }
.mt-2xl { margin-top: var(--spacing-2xl); }
.mt-3xl { margin-top: var(--spacing-3xl); }

.mb-md { margin-bottom: var(--spacing-md); }
.mb-lg { margin-bottom: var(--spacing-lg); }
.mb-xl { margin-bottom: var(--spacing-xl); }
.mb-2xl { margin-bottom: var(--spacing-2xl); }
.mb-3xl { margin-bottom: var(--spacing-3xl); }

.py-lg { padding: var(--spacing-lg) 0; }
.py-2xl { padding: var(--spacing-2xl) 0; }
.py-3xl { padding: var(--spacing-3xl) 0; }

.px-lg { padding: 0 var(--spacing-lg); }
.px-2xl { padding: 0 var(--spacing-2xl); }

.gap-lg { gap: var(--spacing-lg); }
.gap-2xl { gap: var(--spacing-2xl); }

.flex {
  display: flex;
}

.flex-col {
  flex-direction: column;
}

.flex-between {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.flex-center {
  display: flex;
  justify-content: center;
  align-items: center;
}

.gap-sm { gap: var(--spacing-sm); }
.gap-md { gap: var(--spacing-md); }
.gap-lg { gap: var(--spacing-lg); }
.gap-xl { gap: var(--spacing-xl); }

.w-full { width: 100%; }
.h-full { height: 100%; }

.max-w-md { max-width: 28rem; }
.max-w-lg { max-width: 32rem; }
.max-w-2xl { max-width: 42rem; }
.max-w-3xl { max-width: 48rem; }
.max-w-4xl { max-width: 56rem; }

.opacity-50 { opacity: 0.5; }
.opacity-75 { opacity: 0.75; }

.rounded-lg { border-radius: var(--radius-lg); }
.rounded-xl { border-radius: var(--radius-xl); }

.shadow-lg { box-shadow: var(--shadow-lg); }
.shadow-xl { box-shadow: var(--shadow-xl); }

.uppercase { text-transform: uppercase; }
.capitalize { text-transform: capitalize; }

/* Layout helpers for replacing inline styles */
.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  align-items: start;
}

.mx-auto { margin-inline: auto; }
.mb-sm { margin-bottom: var(--spacing-sm); }
.mb-md { margin-bottom: var(--spacing-md); }
.mb-lg { margin-bottom: var(--spacing-lg); }

.text-muted { color: var(--color-gray); }
.text-sm { font-size: var(--font-size-sm); }
.text-base { font-size: var(--font-size-base); }
.text-lg { font-size: var(--font-size-lg); color: var(--color-gray); line-height: var(--line-height-relaxed); }
.text-white { color: var(--color-white); }
.text-white-90 { color: rgba(255, 255, 255, 0.9); }

/* Card with gold top border */
.card-gold-top { border-top: 4px solid var(--color-gold); }

/* Calculator card centering */
.card-centered { text-align: center; padding: var(--spacing-2xl); }
.card-icon-lg { font-size: 3rem; margin-bottom: var(--spacing-md); }

/* Disclosure / licensing boxes */
.info-box {
  background-color: var(--color-light-gray);
  padding: var(--spacing-lg);
  border-radius: var(--radius-lg);
  margin-top: var(--spacing-lg);
}

.info-box h4 { margin-bottom: var(--spacing-md); color: var(--color-navy); }

/* Quick jump grid for products */
.quick-jump-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--spacing-md);
}

@media (max-width: 768px) {
  .quick-jump-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Two-column content grid */
.grid-2-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
  margin-top: var(--spacing-xl);
}

@media (max-width: 768px) {
  .grid-2-content { grid-template-columns: 1fr; }
}

/* Product description paragraphs */
.product-desc {
  font-size: var(--font-size-lg);
  color: var(--color-gray);
  margin-bottom: var(--spacing-lg);
}

.product-subtitle {
  margin-top: var(--spacing-lg);
  margin-bottom: var(--spacing-md);
}

/* Contact sidebar small text */
.contact-detail {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.7);
  margin-top: var(--spacing-xs);
}

/* Section with constrained width for readability */
.content-readable { max-width: 900px; margin-inline: auto; }

/* Overflow hidden for image containers */
.overflow-hidden { overflow: hidden; }

.section-intro {
  text-align: center;
  color: var(--color-gray);
  margin-bottom: var(--spacing-3xl);
  max-width: 700px;
  margin-inline: auto;
}

.cta-group {
  display: flex;
  gap: var(--spacing-md);
  justify-content: center;
  flex-wrap: wrap;
}

.content-narrow { max-width: 800px; margin-inline: auto; }
.content-medium { max-width: 600px; margin-inline: auto; }

.separator {
  margin: var(--spacing-lg) 0;
  border: none;
  border-top: 1px solid var(--color-border);
}

.input-hint {
  font-size: var(--font-size-xs);
  color: var(--color-gray);
  margin-top: var(--spacing-xs);
}

.tabs-wrapper { margin-bottom: var(--spacing-3xl); }

.section-cta {
  text-align: center;
  margin-top: var(--spacing-3xl);
}

.split-hero {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: var(--spacing-3xl);
  align-items: center;
}

.split-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  align-items: center;
  margin-bottom: var(--spacing-3xl);
}

.split-content-reverse {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: var(--spacing-3xl);
  align-items: center;
}

.grid-2-tight {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-lg);
}

.hero-content--left { text-align: left; }

.hero-trust {
  color: rgba(255, 255, 255, 0.8);
  font-size: var(--font-size-sm);
}

@media (max-width: 768px) {
  .calc-layout,
  .split-hero,
  .split-content,
  .split-content-reverse,
  .grid-2-tight {
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
  }

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

  .hero-content--left {
    text-align: center;
  }

  .cta-group {
    flex-direction: column;
    align-items: center;
  }
}

/* ========================================================================
   17. ANIMATIONS
   ======================================================================== */

@keyframes slideInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes slideInLeft {
  from {
    opacity: 0;
    transform: translateX(-30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes slideInRight {
  from {
    opacity: 0;
    transform: translateX(30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes fadeInScale {
  from {
    opacity: 0;
    transform: scale(0.95);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

.animate-on-scroll {
  opacity: 0;
  animation: slideInUp 0.6s ease-out forwards;
}

.animate-on-scroll.visible {
  opacity: 1;
}

/* ========================================================================
   18. RESPONSIVE BREAKPOINTS
   ======================================================================== */

@media (max-width: 1024px) {
  :root {
    --font-size-5xl: 2.25rem;
    --font-size-6xl: 2.5rem;
  }

  h1 {
    font-size: var(--font-size-5xl);
  }

  h2 {
    font-size: var(--font-size-3xl);
  }

  .grid-3,
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

  .nav-links {
    gap: var(--spacing-lg);
  }

  .nav-links a {
    font-size: var(--font-size-xs);
  }

  section {
    padding: var(--spacing-4xl) 0;
  }

  .hero {
    padding: var(--spacing-4xl) 0;
  }

  .hero h1 {
    font-size: var(--font-size-4xl);
  }

  .hero-subtitle {
    font-size: var(--font-size-lg);
  }

  .hero-ctas {
    flex-direction: column;
    align-items: flex-start;
  }

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

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

@media (max-width: 768px) {
  :root {
    --font-size-4xl: 1.875rem;
    --font-size-3xl: 1.5rem;
    --spacing-6xl: 3rem;
    --spacing-5xl: 2.5rem;
  }

  html {
    font-size: 15px;
  }

  /* Navigation */
  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 0;
    background-color: var(--color-white);
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
    padding: var(--spacing-lg) 0;
    z-index: var(--z-dropdown);
  }

  .nav-links.active {
    display: flex;
  }

  .nav-links li {
    border-bottom: 1px solid var(--color-border);
  }

  .nav-links li:last-child {
    border-bottom: none;
  }

  .nav-links a {
    display: block;
    padding: var(--spacing-md) var(--spacing-lg);
  }

  .nav-cta {
    display: none;
  }

  .mobile-menu-toggle {
    display: flex;
  }

  /* Typography */
  h1 {
    font-size: var(--font-size-3xl);
  }

  h2 {
    font-size: var(--font-size-2xl);
  }

  h3 {
    font-size: var(--font-size-xl);
  }

  /* Sections */
  section {
    padding: var(--spacing-3xl) 0;
  }

  .container {
    padding: 0 var(--spacing-lg);
  }

  /* Grid */
  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }

  /* Footer */
  .footer-grid {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
  }

  .footer-bottom {
    flex-direction: column;
    gap: var(--spacing-lg);
    align-items: flex-start;
  }

  /* Hero */
  .hero {
    padding: var(--spacing-4xl) 0;
  }

  .hero h1 {
    font-size: var(--font-size-3xl);
  }

  .hero-subtitle {
    font-size: var(--font-size-base);
  }

  /* Cards */
  .card {
    padding: var(--spacing-lg);
  }

  /* Buttons */
  .btn {
    padding: var(--spacing-md) var(--spacing-lg);
    font-size: var(--font-size-xs);
  }

  .btn-lg {
    padding: var(--spacing-md) var(--spacing-xl);
    font-size: var(--font-size-sm);
  }

  /* Forms */
  .form-row {
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
  }

  /* Tabs */
  .tabs {
    flex-wrap: wrap;
    gap: var(--spacing-lg);
  }

  .tab-button {
    padding: var(--spacing-md) 0;
    font-size: var(--font-size-sm);
  }

  /* Stats */
  .stats-grid {
    grid-template-columns: 1fr;
    gap: var(--spacing-2xl);
  }

  .stat-number {
    font-size: var(--font-size-4xl);
  }

  .stat-label {
    font-size: var(--font-size-base);
  }

  /* Images */
  .nav-logo-img {
    height: 35px;
  }
}

/* ========================================================================
   19. ACCESSIBILITY
   ======================================================================== */

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border-width: 0;
}

button:focus,
a:focus,
input:focus,
select:focus,
textarea:focus {
  outline: 2px solid var(--color-gold);
  outline-offset: 2px;
}

/* Skip to content link */
.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--color-gold);
  color: var(--color-navy);
  padding: var(--spacing-md);
  text-decoration: none;
  border-radius: var(--radius-md);
  z-index: 100;
}

.skip-link:focus {
  top: var(--spacing-lg);
}

/* Reduced motion for users who prefer it */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .card:hover {
    transform: none;
  }

  .animate-on-scroll {
    opacity: 1;
    transform: none;
  }
}

/* Focus-visible for keyboard-only focus indicators */
:focus:not(:focus-visible) {
  outline: none;
}

:focus-visible {
  outline: 2px solid var(--color-gold);
  outline-offset: 2px;
}

/* High contrast mode support */
@media (forced-colors: active) {
  .btn {
    border: 2px solid ButtonText;
  }

  .card {
    border: 1px solid CanvasText;
  }
}

/* Live region for dynamic content (calculator results) */
[aria-live="polite"] {
  position: relative;
}

/* ========================================================================
   20. LOADING & STATES
   ======================================================================== */

.loading {
  pointer-events: none;
  opacity: 0.7;
}

.loading::after {
  content: '';
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2px solid rgba(0, 0, 0, 0.1);
  border-top-color: var(--color-gold);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin-left: var(--spacing-sm);
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

/* ========================================================================
   21. BREADCRUMBS
   ======================================================================== */

.breadcrumb {
  display: flex;
  gap: var(--spacing-md);
  font-size: var(--font-size-sm);
  margin-bottom: var(--spacing-2xl);
}

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

.breadcrumb a:hover {
  text-decoration: underline;
}

.breadcrumb li {
  list-style: none;
}

.breadcrumb li:not(:last-child)::after {
  content: '/';
  margin-left: var(--spacing-md);
  color: var(--color-border);
}

/* ========================================================================
   22. MAP & LOCATION
   ======================================================================== */

.map-container {
  border-radius: var(--radius-lg);
  overflow: hidden;
  height: 400px;
  border: 1px solid var(--color-border);
}

.map-container iframe {
  width: 100%;
  height: 100%;
  border: none;
}

/* ========================================================================
   23. CALCULATOR SPECIFIC
   ======================================================================== */

.calculator-input {
  display: flex;
  flex-direction: column;
}

.calculator-input label {
  margin-bottom: var(--spacing-sm);
}

.input-with-unit {
  display: flex;
  gap: var(--spacing-sm);
}

.input-with-unit input {
  flex: 1;
}

.input-unit {
  padding: var(--spacing-md);
  background-color: var(--color-light-gray);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--font-size-sm);
  font-weight: var(--font-weight-medium);
  color: var(--color-text);
  min-width: 60px;
}

.calculator-output {
  background-color: var(--color-light-gray);
  padding: var(--spacing-2xl);
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--color-gold);
}

.output-row {
  display: flex;
  justify-content: space-between;
  padding: var(--spacing-md) 0;
  border-bottom: 1px solid var(--color-border);
}

.output-row:last-child {
  border-bottom: none;
}

.output-label {
  color: var(--color-gray);
  font-size: var(--font-size-sm);
}

.output-value {
  font-weight: var(--font-weight-bold);
  color: var(--color-navy);
  font-family: 'Courier New', monospace;
}

.output-value.highlight {
  color: var(--color-gold);
  font-size: var(--font-size-lg);
}

.calculator-disclaimer {
  font-size: var(--font-size-xs);
  color: var(--color-gray);
  margin-top: var(--spacing-lg);
  font-style: italic;
}

.calculator-placeholder {
  color: var(--color-gray);
  margin: 0;
}

.calculator-output--warning {
  border-left-color: #EF4444;
}

.calculator-warning {
  color: #DC2626;
  margin: 0 0 var(--spacing-md);
}

.output-row--total {
  padding-top: var(--spacing-lg);
  border-top: 2px solid var(--color-border);
}

.output-label--bold {
  font-weight: var(--font-weight-semibold);
}

.output-value--positive {
  color: #10B981;
}

.output-value--negative {
  color: #EF4444;
}

/* Toast notifications */
.toast {
  position: fixed;
  top: 20px;
  right: 20px;
  padding: 12px 20px;
  border-radius: var(--radius-md);
  z-index: 1000;
  animation: slideInRight 300ms ease-out;
  color: white;
}

.toast--success {
  background-color: #10B981;
}

/* Form success alert */
.alert-success {
  background-color: #D1FAE5;
  color: #065F46;
  padding: var(--spacing-md);
  border-radius: var(--radius-md);
  margin-bottom: var(--spacing-md);
  border-left: 4px solid #10B981;
}

/* Chart placeholder for calculator results */
.chart-placeholder {
  width: 100%;
  height: 300px;
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.05) 0%, rgba(201, 168, 76, 0.02) 100%);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gray);
  font-size: var(--font-size-sm);
}

/* ========================================================================
   24. PAGE-SPECIFIC STYLES
   ======================================================================== */

.product-section {
  border-bottom: 1px solid var(--color-border);
  padding: var(--spacing-3xl) 0;
}

.product-section:last-child {
  border-bottom: none;
}

.product-header {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: var(--spacing-3xl);
  align-items: center;
}

.product-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-xl);
}

.feature-item {
  padding: var(--spacing-lg);
  background-color: var(--color-light-gray);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
}

.feature-item h4 {
  margin-bottom: var(--spacing-sm);
}

.feature-item p {
  font-size: var(--font-size-sm);
  color: var(--color-gray);
  margin: 0;
}

/* About page styles */
.bio-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  align-items: center;
  margin-bottom: var(--spacing-4xl);
}

.headshot {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.headshot img {
  width: 100%;
  height: auto;
  display: block;
}

.timeline {
  position: relative;
  padding: var(--spacing-3xl) 0;
}

.timeline-item {
  display: flex;
  gap: var(--spacing-2xl);
  margin-bottom: var(--spacing-3xl);
  padding-left: var(--spacing-2xl);
  position: relative;
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  width: 16px;
  height: 16px;
  background-color: var(--color-gold);
  border-radius: 50%;
  border: 3px solid var(--color-white);
  box-shadow: 0 0 0 3px var(--color-gold);
}

.timeline-item::after {
  content: '';
  position: absolute;
  left: 7.5px;
  top: 16px;
  width: 1px;
  height: calc(100% + var(--spacing-3xl));
  background-color: var(--color-gold);
}

.timeline-item:last-child::after {
  display: none;
}

.timeline-content h4 {
  margin-bottom: var(--spacing-sm);
}

.timeline-date {
  font-size: var(--font-size-sm);
  color: var(--color-gold);
  font-weight: var(--font-weight-semibold);
}

.timeline-description {
  font-size: var(--font-size-sm);
  color: var(--color-gray);
}

/* Contact page styles */
.contact-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: var(--spacing-3xl);
}

.contact-info {
  background-color: var(--color-navy);
  color: var(--color-white);
  padding: var(--spacing-3xl);
  border-radius: var(--radius-xl);
}

.contact-info h3 {
  color: var(--color-white);
  margin-bottom: var(--spacing-2xl);
}

.contact-item {
  margin-bottom: var(--spacing-2xl);
  padding-bottom: var(--spacing-2xl);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.contact-item:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.contact-label {
  font-size: var(--font-size-xs);
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: var(--spacing-sm);
}

.contact-value {
  font-size: var(--font-size-lg);
  font-weight: var(--font-weight-semibold);
  color: var(--color-white);
}

.contact-value a {
  color: var(--color-gold);
}

.contact-value a:hover {
  text-decoration: underline;
}

.business-hours {
  list-style: none;
  font-size: var(--font-size-sm);
}

.business-hours li {
  display: flex;
  justify-content: space-between;
  margin-bottom: var(--spacing-sm);
}

.contact-ctas {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
  margin-top: var(--spacing-2xl);
}

.contact-ctas a {
  padding: var(--spacing-md);
  background-color: var(--color-gold);
  color: var(--color-navy);
  border-radius: var(--radius-lg);
  text-align: center;
  font-weight: var(--font-weight-semibold);
  transition: all var(--transition-fast);
}

.contact-ctas a:hover {
  background-color: #B8932B;
  box-shadow: var(--shadow-lg);
}

/* Realtor page styles */
.value-prop {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-3xl);
  align-items: center;
  margin-bottom: var(--spacing-4xl);
}

.value-prop-image {
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.1) 0%, rgba(201, 168, 76, 0.05) 100%);
  border-radius: var(--radius-xl);
  height: 400px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.how-it-works {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-2xl);
}

.how-it-works-step {
  text-align: center;
  position: relative;
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  background-color: var(--color-gold);
  color: var(--color-navy);
  font-weight: var(--font-weight-bold);
  font-size: var(--font-size-2xl);
  border-radius: 50%;
  margin-bottom: var(--spacing-lg);
}

.how-it-works-step h4 {
  margin-bottom: var(--spacing-md);
}

.how-it-works-step p {
  font-size: var(--font-size-sm);
  color: var(--color-gray);
  margin: 0;
}

.how-it-works-step:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 30px;
  left: 60px;
  right: -100%;
  height: 2px;
  background-color: var(--color-gold);
}

@media (max-width: 768px) {
  .product-header {
    grid-template-columns: 1fr;
  }

  .product-features {
    grid-template-columns: 1fr;
  }

  .bio-section {
    grid-template-columns: 1fr;
  }

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

  .value-prop {
    grid-template-columns: 1fr;
  }

  .how-it-works {
    grid-template-columns: 1fr;
  }

  .how-it-works-step::after {
    display: none;
  }

}


/* =====================================================
   25. TESTIMONIALS PAGE
   ===================================================== */

.testimonial--featured {
  background: linear-gradient(135deg, rgba(201, 168, 76, 0.05), rgba(201, 168, 76, 0.1));
  border-color: var(--color-gold);
  padding: var(--spacing-3xl);
}

.testimonial--featured .testimonial-content {
  font-size: var(--font-size-lg);
  line-height: 1.8;
}

.testimonial-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-2xl);
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.testimonial-stat-number {
  font-family: var(--font-display);
  font-size: var(--font-size-4xl);
  font-weight: 700;
  color: var(--color-gold);
  line-height: 1;
  margin-bottom: var(--spacing-xs);
}

.testimonial-stat-label {
  font-size: var(--font-size-sm);
  color: var(--color-gray);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: var(--font-weight-medium);
}

.testimonial-filter {
  display: flex;
  justify-content: center;
  gap: var(--spacing-sm);
  flex-wrap: wrap;
  margin-bottom: var(--spacing-3xl);
}

.testimonial-filter-btn {
  background: none;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--spacing-sm) var(--spacing-xl);
  font-size: var(--font-size-sm);
  font-weight: var(--font-weight-medium);
  color: var(--color-gray);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.testimonial-filter-btn:hover {
  border-color: var(--color-gold);
  color: var(--color-navy);
}

.testimonial-filter-btn.active {
  background-color: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-white);
}

.testimonials-grid {
  max-width: 900px;
  margin: 0 auto;
}

.testimonials-grid .testimonial {
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.testimonials-grid .testimonial.hidden {
  display: none;
}

.review-links {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--spacing-xl);
  max-width: 600px;
  margin: 0 auto;
}

.review-link-card {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  padding: var(--spacing-xl);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  text-decoration: none;
  color: var(--color-navy);
  font-weight: var(--font-weight-medium);
  transition: all var(--transition-fast);
}

.review-link-card:hover {
  border-color: var(--color-gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}


/* =====================================================
   26. BLOG & ARTICLE PAGES
   ===================================================== */

.blog-card {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: var(--color-text);
}

.blog-card-category {
  display: inline-block;
  background-color: rgba(201, 168, 76, 0.1);
  color: var(--color-gold);
  font-size: var(--font-size-xs);
  font-weight: var(--font-weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: var(--spacing-xs) var(--spacing-md);
  border-radius: var(--radius-2xl);
  margin-bottom: var(--spacing-md);
  width: fit-content;
}

.blog-card-title {
  font-family: var(--font-display);
  font-size: var(--font-size-xl);
  color: var(--color-navy);
  margin-bottom: var(--spacing-md);
  line-height: 1.3;
}

.blog-card-excerpt {
  font-size: var(--font-size-sm);
  color: var(--color-gray);
  line-height: 1.6;
  margin-bottom: var(--spacing-lg);
  flex-grow: 1;
}

.blog-card-meta {
  display: flex;
  justify-content: space-between;
  font-size: var(--font-size-xs);
  color: var(--color-gray);
  border-top: 1px solid var(--color-border);
  padding-top: var(--spacing-md);
}

/* Breadcrumb */
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  padding: 0;
  margin: 0 0 var(--spacing-xl) 0;
  font-size: var(--font-size-sm);
}

.breadcrumb li {
  color: var(--color-gray);
}

.breadcrumb li + li::before {
  content: '›';
  margin: 0 var(--spacing-sm);
  color: var(--color-border);
}

.breadcrumb a {
  color: var(--color-gold);
  text-decoration: none;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

/* Article body */
.article-body {
  max-width: 720px;
  margin: 0 auto;
}

.article-body h2 {
  font-family: var(--font-display);
  font-size: var(--font-size-2xl);
  color: var(--color-navy);
  margin: var(--spacing-3xl) 0 var(--spacing-lg);
  scroll-margin-top: 100px;
}

.article-body h3 {
  font-size: var(--font-size-lg);
  color: var(--color-navy);
  margin: var(--spacing-2xl) 0 var(--spacing-md);
  font-weight: var(--font-weight-semibold);
}

.article-body p {
  font-size: var(--font-size-base);
  line-height: 1.8;
  color: var(--color-text);
  margin-bottom: var(--spacing-lg);
}

.article-body ul,
.article-body ol {
  margin-bottom: var(--spacing-lg);
  padding-left: var(--spacing-2xl);
}

.article-body li {
  font-size: var(--font-size-base);
  line-height: 1.8;
  color: var(--color-text);
  margin-bottom: var(--spacing-sm);
}

.article-body strong {
  color: var(--color-navy);
  font-weight: var(--font-weight-semibold);
}

.article-body a {
  color: var(--color-gold);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.article-body a:hover {
  color: var(--color-navy);
}

/* Article CTA box */
.article-cta {
  background: var(--color-light-gray);
  border-left: 4px solid var(--color-gold);
  border-radius: var(--radius-md);
  padding: var(--spacing-2xl);
  margin: var(--spacing-3xl) 0;
  text-align: center;
}

.article-cta h3 {
  font-family: var(--font-display);
  font-size: var(--font-size-xl);
  color: var(--color-navy);
  margin: 0 0 var(--spacing-sm) 0;
}

.article-cta p {
  color: var(--color-gray);
  margin-bottom: var(--spacing-lg);
  font-size: var(--font-size-base);
}

.article-cta .btn {
  margin-top: 0;
}

/* Article meta */
.article-meta {
  display: flex;
  gap: var(--spacing-xl);
  font-size: var(--font-size-sm);
  color: var(--color-gray);
  margin-bottom: var(--spacing-3xl);
  flex-wrap: wrap;
}


/* =====================================================
   27. PRE-QUALIFICATION FORM
   ===================================================== */

.prequal-progress {
  margin-bottom: var(--spacing-3xl);
}

.prequal-progress-steps {
  display: flex;
  justify-content: space-between;
  margin-bottom: var(--spacing-lg);
  position: relative;
}

.prequal-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--spacing-xs);
  flex: 1;
  position: relative;
  z-index: 1;
}

.prequal-step-number {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: var(--font-weight-semibold);
  font-size: var(--font-size-sm);
  background-color: var(--color-light-gray);
  color: var(--color-gray);
  border: 2px solid var(--color-border);
  transition: all var(--transition-fast);
}

.prequal-step.active .prequal-step-number {
  background-color: var(--color-gold);
  color: var(--color-white);
  border-color: var(--color-gold);
}

.prequal-step.completed .prequal-step-number {
  background-color: var(--color-success);
  color: var(--color-white);
  border-color: var(--color-success);
}

.prequal-step-label {
  font-size: var(--font-size-xs);
  font-weight: var(--font-weight-medium);
  color: var(--color-gray);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.prequal-step.active .prequal-step-label {
  color: var(--color-navy);
}

.prequal-progress-track {
  width: 100%;
  height: 4px;
  background-color: var(--color-border);
  border-radius: 2px;
  overflow: hidden;
}

.prequal-progress-fill {
  height: 100%;
  background-color: var(--color-gold);
  border-radius: 2px;
  transition: width 0.4s ease;
}

.prequal-fieldset {
  border: none;
  padding: 0;
  margin: 0;
  min-width: 0;
}

.prequal-fieldset.hidden {
  display: none;
}

.prequal-fieldset legend {
  font-family: var(--font-display);
  font-size: var(--font-size-2xl);
  color: var(--color-navy);
  margin-bottom: var(--spacing-2xl);
  font-weight: 700;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-xl);
}

.form-helper {
  font-size: var(--font-size-xs);
  color: var(--color-gray);
  margin-top: var(--spacing-xs);
}

.prequal-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: var(--spacing-3xl);
  padding-top: var(--spacing-2xl);
  border-top: 1px solid var(--color-border);
}

/* Trust indicators */
.trust-card {
  text-align: center;
  padding: var(--spacing-2xl);
}

.trust-card-icon {
  font-size: var(--font-size-3xl);
  margin-bottom: var(--spacing-md);
}

.trust-card h3 {
  font-size: var(--font-size-lg);
  color: var(--color-navy);
  margin-bottom: var(--spacing-sm);
}

.trust-card p {
  font-size: var(--font-size-sm);
  color: var(--color-gray);
  line-height: 1.6;
}


/* =====================================================
   28. RESPONSIVE - NEW FEATURES
   ===================================================== */

@media (max-width: 768px) {
  .testimonial-stats {
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
  }

  .review-links {
    grid-template-columns: 1fr;
  }

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

  .prequal-step-label {
    display: none;
  }

  .prequal-step-number {
    width: 32px;
    height: 32px;
    font-size: var(--font-size-xs);
  }

  .testimonial--featured {
    padding: var(--spacing-2xl);
  }

  .article-meta {
    flex-direction: column;
    gap: var(--spacing-sm);
  }
}


/* =====================================================
   29. LATEST CONTENT PAGE
   ===================================================== */

/* Issue Badge (date display in hero) */
.newsletter-issue-badge {
  display: inline-block;
  font-size: var(--font-size-sm);
  color: var(--color-gold);
  font-weight: var(--font-weight-medium);
  margin-bottom: var(--spacing-md);
}

/* Newsletter Author Bar */
.newsletter-author-bar {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  padding-bottom: var(--spacing-xl);
  margin-bottom: var(--spacing-xl);
  border-bottom: 1px solid var(--color-border);
}

/* Newsletter Rate Box */
.newsletter-rate-box {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--spacing-md);
  background-color: var(--color-light-gray);
  border-radius: var(--radius-lg);
  padding: var(--spacing-xl);
  margin: var(--spacing-xl) 0;
  border-left: 4px solid var(--color-gold);
}

.newsletter-rate-item {
  text-align: center;
}

.newsletter-rate-label {
  display: block;
  font-size: var(--font-size-xs);
  color: var(--color-gray);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: var(--spacing-xs);
}

.newsletter-rate-value {
  font-family: var(--font-display);
  font-size: var(--font-size-2xl);
  font-weight: 700;
  color: var(--color-navy);
}

/* CTA Buttons container (used in newsletter & other sections) */
.cta-buttons {
  display: flex;
  gap: var(--spacing-md);
  justify-content: center;
  flex-wrap: wrap;
}

/* Button outline light for dark backgrounds */
.btn-outline-light {
  background-color: transparent;
  color: var(--color-white);
  border: 2px solid rgba(255, 255, 255, 0.5);
}

.btn-outline-light:hover {
  background-color: rgba(255, 255, 255, 0.1);
  border-color: var(--color-white);
  color: var(--color-white);
}

.btn-light {
  background-color: var(--color-white);
  color: var(--color-navy);
}

.btn-light:hover {
  background-color: var(--color-light-gray);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

/* bg-primary for CTA sections */
.bg-primary {
  background: linear-gradient(135deg, var(--color-gold) 0%, #B8932B 100%);
  color: var(--color-navy);
}

.bg-primary h2 {
  color: var(--color-navy);
}

.bg-primary p {
  color: rgba(10, 31, 63, 0.8);
}

/* Latest content page responsive */
@media (max-width: 768px) {
  .newsletter-rate-box {
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
  }

  .newsletter-rate-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    text-align: left;
  }

  .newsletter-rate-label {
    margin-bottom: 0;
  }

  .cta-buttons {
    flex-direction: column;
    align-items: center;
  }
}