/* ============================================================
   xMortgageBroker.com — Main Stylesheet
   Color Palette: Black + Silver/Gray
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&display=swap');

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

html { scroll-behavior: smooth; font-size: 18px; }

body {
  font-family: 'DM Sans', 'Helvetica Neue', Arial, sans-serif;
  background: #ffffff;
  color: #1a1a1a;
  font-size: 1rem;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── CSS Variables ── */
:root {
  --black:       #0d0d0d;
  --black-soft:  #1a1a1a;
  --charcoal:    #222222;
  --dark-gray:   #333333;
  --mid-gray:    #666666;
  --silver:      #999999;
  --light-gray:  #cccccc;
  --off-white:   #f4f4f4;
  --white:       #ffffff;
  --accent:      #c8a96e;   /* warm gold accent — subtle, premium */
  --accent-dark: #a8893e;

  --nav-height: 88px;
  --section-pad: 90px 0;
  --radius: 4px;
  --transition: 0.25s ease;
  --shadow: 0 4px 24px rgba(0,0,0,0.10);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.18);
}

/* ── Typography ── */
h1, h2, h3 {
  font-family: 'DM Serif Display', Georgia, serif;
  font-weight: 400;
  line-height: 1.18;
  color: var(--black);
}
h4, h5, h6 {
  font-family: 'DM Sans', 'Helvetica Neue', Arial, sans-serif;
  font-weight: 600;
  line-height: 1.2;
  color: var(--black);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 400; letter-spacing: 1.5px; }
h3 { font-size: clamp(1.1rem, 2vw, 1.45rem); font-weight: 400; letter-spacing: 1.5px; }
h4 { font-size: 1.05rem; font-weight: 500; letter-spacing: 1.5px; }
h5 { font-size: 0.9rem; font-weight: 500; letter-spacing: 1.5px; }
h6 { font-size: 0.85rem; font-weight: 500; letter-spacing: 1.5px; }

p { color: var(--dark-gray); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.eyebrow {
  display: inline-block;
  font-size: 0.67rem;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
}

/* ── Layout ── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}
.container--wide { max-width: 1400px; margin: 0 auto; padding: 0 24px; }

.section { padding: var(--section-pad); }
.section--dark { background: var(--black); }
.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4 { color: var(--white); }
.section--dark p { color: var(--light-gray); }
.section--charcoal { background: var(--charcoal); }
.section--charcoal h2,
.section--charcoal h3 { color: var(--white); }
.section--charcoal p { color: var(--light-gray); }
.section--gray { background: var(--off-white); }

/* ── Top Bar ── */
.topbar {
  background: var(--black);
  border-bottom: 1px solid #222;
  padding: 8px 0;
  font-size: 0.78rem;
  color: var(--silver);
}
.topbar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.topbar a { color: var(--silver); transition: color var(--transition); }
.topbar a:hover { color: var(--white); }
.topbar__left, .topbar__right { display: flex; align-items: center; gap: 20px; }

/* ── Navigation ── */
.nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--black);
  border-bottom: 1px solid #1e1e1e;
  height: var(--nav-height);
  display: flex;
  align-items: center;
  transition: box-shadow var(--transition);
}
.nav.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.5); }

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
}

.nav__logo img { height: 44px; width: auto; }

/* Desktop links list */
.nav__links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  margin: 0;
  padding: 0;
}

/* Plain anchor links */
.nav__links > li > a {
  display: block;
  color: var(--light-gray);
  font-size: 0.875rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius);
  transition: color var(--transition), background var(--transition);
  white-space: nowrap;
  text-decoration: none;
}
.nav__links > li > a:hover,
.nav__links > li > a.active {
  color: var(--white);
  background: rgba(255,255,255,0.07);
}

/* Dropdown toggle button — matches link style exactly */
.nav__dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--light-gray);
  font-size: 0.875rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius);
  background: none;
  border: none;
  cursor: pointer;
  white-space: nowrap;
  transition: color var(--transition), background var(--transition);
  font-family: inherit;
}
.nav__dropdown-toggle:hover,
.nav__dropdown-toggle.active,
.nav__dropdown.is-open .nav__dropdown-toggle {
  color: var(--white);
  background: rgba(255,255,255,0.07);
}

/* Caret icon */
.nav__caret {
  flex-shrink: 0;
  transition: transform 0.2s ease;
}
.nav__dropdown.is-open .nav__caret {
  transform: rotate(180deg);
}

/* Dropdown container */
.nav__dropdown { position: relative; }

/* Dropdown panel */
.nav__dropdown-menu {
  position: absolute;
  top: 100%;          /* flush to bottom of li — bridge covers the gap */
  left: 0;
  background: #0d0d0d;
  border: 1px solid #2a2a2a;
  border-radius: var(--radius);
  min-width: 210px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.6);
  padding: 6px 0;
  z-index: 200;
  list-style: none;
  margin: 0;
  /* Hidden by default via opacity/pointer-events so hover bridge works */
  opacity: 0;
  pointer-events: none;
  transform: translateY(6px);
  transition: opacity 0.18s ease, transform 0.18s ease;
}
/* Touch/click open */
.nav__dropdown.is-open .nav__dropdown-menu {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(6px);
}

/* Desktop: open on hover — no gap thanks to flush top + padding bridge */
@media (hover: hover) and (pointer: fine) {
  /* Invisible bridge fills the 6px gap so mouse can travel to menu */
  .nav__dropdown-menu::before {
    content: '';
    position: absolute;
    top: -8px;
    left: 0;
    right: 0;
    height: 8px;
  }
  .nav__dropdown:hover .nav__dropdown-menu {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(6px);
  }
  .nav__dropdown:hover .nav__caret { transform: rotate(180deg); }
  .nav__dropdown:hover .nav__dropdown-toggle {
    color: var(--white);
    background: rgba(255,255,255,0.07);
  }
}

.nav__dropdown-menu a {
  display: block;
  padding: 9px 18px;
  font-size: 0.85rem;
  color: var(--light-gray);
  text-decoration: none;
  transition: background var(--transition), color var(--transition);
}
.nav__dropdown-menu a:hover { background: #1a1a1a; color: var(--white); }

.nav__dropdown-divider {
  height: 1px;
  background: #2a2a2a;
  margin: 5px 0;
}
.nav__dropdown-label {
  padding: 6px 18px 3px;
  font-size: 0.65rem;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  color: #666;
  pointer-events: none;
  user-select: none;
}

.nav__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.3px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
}
.btn--primary {
  background: var(--white);
  color: var(--black);
  border-color: var(--white);
}
.btn--primary:hover {
  background: var(--off-white);
  border-color: var(--off-white);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(255,255,255,0.15);
}
.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.btn--outline:hover {
  background: rgba(255,255,255,0.08);
  border-color: var(--white);
}
.btn--dark {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}
.btn--dark:hover {
  background: var(--charcoal);
  transform: translateY(-1px);
  box-shadow: var(--shadow);
}
.btn--accent {
  background: var(--accent);
  color: var(--black);
  border-color: var(--accent);
}
.btn--accent:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  transform: translateY(-1px);
}
.btn--mlo {
  background: transparent;
  color: var(--accent);
  border-color: var(--accent);
  font-size: 0.82rem;
  padding: 9px 18px;
}
.btn--mlo:hover {
  background: var(--accent);
  color: var(--black);
}
.btn--sm { padding: 9px 20px; font-size: 0.82rem; }
.btn--lg { padding: 16px 40px; font-size: 1rem; }

/* ── Hero ── */
.hero {
  position: relative;
  background: var(--black);
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/hero-bg.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.22;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(13,13,13,0.97) 45%, rgba(13,13,13,0.5) 100%);
}
.hero__content {
  position: relative;
  z-index: 2;
  max-width: 680px;
}
.hero h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero h1 span { color: var(--accent); }
.hero__sub {
  font-size: 1.1rem;
  color: var(--light-gray);
  margin-bottom: 2rem;
  max-width: 560px;
}
.hero__checklist {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 24px;
  margin-bottom: 2.5rem;
}
.hero__checklist li {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--light-gray);
  font-size: 0.92rem;
  font-weight: 500;
}
.hero__checklist li::before {
  content: '';
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--accent);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6l3 3 5-5' stroke='%230d0d0d' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-size: 12px;
  background-repeat: no-repeat;
  background-position: center;
}
.hero__ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero__badge {
  position: absolute;
  bottom: 40px;
  right: 0;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  padding: 16px 24px;
  color: var(--light-gray);
  font-size: 0.8rem;
  max-width: 260px;
  backdrop-filter: blur(8px);
}
.hero__badge strong { color: var(--white); display: block; margin-bottom: 4px; }

/* ── Loan Programs Band ── */
.programs-band {
  background: var(--black);
  padding: 70px 0;
}
.programs-band__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: #1e1e1e;
  border: 1px solid #1e1e1e;
  border-radius: var(--radius);
  overflow: hidden;
}
.program-card {
  background: var(--black-soft);
  padding: 36px 28px;
  transition: background var(--transition);
  cursor: pointer;
}
.program-card:hover { background: #1e1e1e; }
.program-card__icon {
  width: 44px;
  height: 44px;
  margin-bottom: 16px;
  opacity: 0.85;
}
.program-card__tag {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 8px;
}
.program-card h3 { color: var(--white); font-size: 1.2rem; margin-bottom: 10px; }
.program-card p { color: var(--silver); font-size: 0.88rem; margin-bottom: 16px; }
.program-card a {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--light-gray);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color var(--transition);
}
.program-card a:hover { color: var(--white); }
.program-card a::after { content: '→'; }

/* ── Why Section ── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 56px;
}
.why-card {
  padding: 36px 28px;
  border: 1px solid #e8e8e8;
  border-radius: var(--radius);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.why-card:hover {
  border-color: var(--dark-gray);
  box-shadow: var(--shadow);
}
.why-card__num {
  font-size: 2.4rem;
  font-weight: 900;
  color: var(--off-white);
  line-height: 1;
  margin-bottom: 12px;
}
.why-card h3 { margin-bottom: 10px; }

/* ── Process Steps ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 56px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 32px;
  left: calc(16.66% + 20px);
  right: calc(16.66% + 20px);
  height: 1px;
  background: rgba(255,255,255,0.12);
}
.step { text-align: center; padding: 0 16px; }
.step__num {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--accent);
  margin: 0 auto 20px;
  background: rgba(255,255,255,0.03);
}
.step h3 { color: var(--white); margin-bottom: 10px; }
.step p { color: var(--silver); font-size: 0.9rem; }

/* ── Team Section ── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
  margin-top: 56px;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}
.team-card {
  background: var(--white);
  border: 1px solid #e0e0e0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: box-shadow var(--transition), transform var(--transition);
}
.team-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.team-card__photo {
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  object-position: top;
  background: var(--off-white);
}
.team-card__body { padding: 28px; }
.team-card__name { font-size: 1.3rem; font-weight: 700; margin-bottom: 4px; }
.team-card__title { font-size: 0.85rem; color: var(--mid-gray); margin-bottom: 4px; }
.team-card__nmls { font-size: 0.78rem; color: var(--silver); margin-bottom: 16px; }
.team-card__bio { font-size: 0.9rem; color: var(--dark-gray); margin-bottom: 20px; }
.team-card__actions { display: flex; gap: 10px; flex-wrap: wrap; }

/* ── Stats Bar ── */
.stats-bar {
  background: var(--charcoal);
  padding: 48px 0;
  border-top: 1px solid #2a2a2a;
  border-bottom: 1px solid #2a2a2a;
}
.stats-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  text-align: center;
}
.stat { padding: 0 20px; border-right: 1px solid #333; }
.stat:last-child { border-right: none; }
.stat__num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.stat__label { font-size: 0.82rem; color: var(--silver); letter-spacing: 1px; }

/* ── Pre-qualify Section ── */
.prequal {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.prequal__checklist { margin: 24px 0 32px; }
.prequal__checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid #eee;
  font-size: 0.92rem;
  color: var(--dark-gray);
}
.prequal__checklist li:last-child { border-bottom: none; }
.prequal__checklist li::before {
  content: '✓';
  color: var(--accent);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}
.prequal__image {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.prequal__image img { width: 100%; height: 480px; object-fit: cover; }

/* ── Contact Form ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  align-items: start;
}
.contact-info h3 { margin-bottom: 16px; }
.contact-info p { margin-bottom: 12px; }
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 16px;
  font-size: 0.92rem;
}
.contact-detail strong { display: block; font-size: 0.75rem; letter-spacing: 1.5px; text-transform: uppercase; color: var(--silver); margin-bottom: 2px; }

.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  color: var(--dark-gray);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid #ddd;
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.92rem;
  color: var(--black);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--dark-gray); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.82rem;
  color: var(--mid-gray);
  margin-bottom: 20px;
}
.form-check input { width: auto; margin-top: 2px; }
.form-check a { color: var(--dark-gray); text-decoration: underline; }

/* ── Blog Cards ── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.blog-card {
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid #e8e8e8;
  transition: box-shadow var(--transition), transform var(--transition);
}
.blog-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.blog-card__img { width: 100%; height: 200px; object-fit: cover; background: var(--off-white); }
.blog-card__body { padding: 24px; }
.blog-card__cat { font-size: 0.7rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 8px; }
.blog-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.blog-card p { font-size: 0.88rem; color: var(--mid-gray); margin-bottom: 16px; }
.blog-card a.read-more { font-size: 0.82rem; font-weight: 600; color: var(--black); display: inline-flex; align-items: center; gap: 6px; }
.blog-card a.read-more:hover { color: var(--accent); }
.blog-card a.read-more::after { content: '→'; }

/* ── Loan Program Page ── */
.loan-hero {
  background: var(--black);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.loan-hero::after {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(200,169,110,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.loan-hero h1 { color: var(--white); }
.loan-hero .eyebrow { color: var(--accent); }
.loan-hero__sub { color: var(--light-gray); font-size: 1.1rem; max-width: 600px; margin: 16px 0 32px; }

.loan-details {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 64px;
  align-items: start;
}
.loan-details__sidebar {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 32px;
  position: sticky;
  top: calc(var(--nav-height) + 24px);
}
.loan-details__sidebar h4 { margin-bottom: 20px; }
.loan-highlights { margin: 24px 0; }
.loan-highlights li {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid #e0e0e0;
  font-size: 0.9rem;
}
.loan-highlights li:last-child { border-bottom: none; }
.loan-highlights li span:first-child { color: var(--mid-gray); }
.loan-highlights li span:last-child { font-weight: 600; color: var(--black); }

/* ── Footer ── */
.footer {
  background: var(--black);
  color: var(--silver);
  padding: 64px 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid #1e1e1e;
}
.footer__brand img { height: 44px; margin-bottom: 16px; }
.footer__brand p { font-size: 0.85rem; color: var(--silver); max-width: 280px; }
.footer__col h5 {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--light-gray);
  margin-bottom: 16px;
}
.footer__col ul li { margin-bottom: 10px; }
.footer__col ul li a { font-size: 0.88rem; color: var(--silver); transition: color var(--transition); }
.footer__col ul li a:hover { color: var(--white); }
/* 5-column footer layout */
.footer__grid--5col {
  grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
  gap: 32px;
}
.footer__grid--5col .footer__col ul li { margin-bottom: 8px; }
.footer__grid--5col .footer__col ul li a { font-size: 0.83rem; }
.footer__social { display: flex; gap: 12px; margin-top: 20px; }
.footer__social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid #333;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--silver);
  font-size: 0.8rem;
  transition: all var(--transition);
}
.footer__social a:hover { border-color: var(--white); color: var(--white); }

.footer__legal {
  padding: 24px 0;
  border-top: 1px solid #1a1a1a;
}
.footer__legal p {
  font-size: 0.75rem;
  color: #555;
  line-height: 1.7;
  margin-bottom: 8px;
}
.footer__legal a { color: #666; text-decoration: underline; }
.footer__legal a:hover { color: var(--silver); }
.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 16px;
  font-size: 0.78rem;
  color: #444;
}

/* ── Page Hero (inner pages) ── */
.page-hero {
  background: var(--black);
  padding: 80px 0 60px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p { color: var(--silver); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }

/* ── Partner / MLO Page ── */
.partner-benefits {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 48px;
}
.benefit-card {
  background: var(--black-soft);
  border: 1px solid #2a2a2a;
  border-radius: var(--radius);
  padding: 32px 24px;
}
.benefit-card__icon { font-size: 2rem; margin-bottom: 14px; }
.benefit-card h3 { color: var(--white); font-size: 1.05rem; margin-bottom: 10px; }
.benefit-card p { color: var(--silver); font-size: 0.88rem; }

/* ── Mobile Hamburger ── */
.nav__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}
.nav__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.25s ease;
  transform-origin: center;
}
/* Animated X when open */
.nav__hamburger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__hamburger.is-open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav__hamburger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Small CTA button variant */
.btn--sm { padding: 8px 18px; font-size: 0.82rem; }

/* ── Utility ── */
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-silver { color: var(--silver) !important; }
.text-accent { color: var(--accent) !important; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-48 { margin-bottom: 48px; }
.section-header { max-width: 640px; }
.section-header--center { margin: 0 auto; text-align: center; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .programs-band__grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__grid--5col { grid-template-columns: 1fr 1fr 1fr; }
  .footer__grid--5col .footer__brand { grid-column: 1 / -1; }
  .loan-details { grid-template-columns: 1fr; }
  .loan-details__sidebar { position: static; }
}

@media (max-width: 768px) {
  :root { --section-pad: 60px 0; }
  .nav__links { display: none; }
  .nav__hamburger { display: flex; }
  .nav__links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: var(--nav-height);
    left: 0;
    right: 0;
    background: #0a0a0a;
    padding: 12px 16px 20px;
    border-bottom: 1px solid #1e1e1e;
    gap: 2px;
    z-index: 999;
  }
  .nav__links.open > li > a,
  .nav__links.open .nav__dropdown-toggle {
    width: 100%;
    padding: 10px 14px;
    font-size: 0.9rem;
  }
  .nav__dropdown-menu {
    position: static;
    box-shadow: none;
    border: none;
    border-left: 2px solid #2a2a2a;
    background: transparent;
    margin-left: 14px;
    padding: 4px 0;
  }
  .nav__dropdown.is-open .nav__dropdown-menu { display: block; }
  .topbar { display: none; }
  .hero { min-height: 70vh; }
  .hero__badge { display: none; }
  .programs-band__grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .team-grid { grid-template-columns: 1fr; max-width: 480px; }
  .stats-bar__grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .stat { border-right: none; }
  .prequal { grid-template-columns: 1fr; gap: 40px; }
  .prequal__image { display: none; }
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .blog-grid { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .footer__grid--5col { grid-template-columns: 1fr 1fr; }
  .footer__grid--5col .footer__brand { grid-column: 1 / -1; }
  .partner-benefits { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero__ctas { flex-direction: column; }
  .btn--lg { width: 100%; text-align: center; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .stats-bar__grid { grid-template-columns: 1fr 1fr; }
}

/* ── Rates Bar ── */
.rates-bar {
  background: var(--charcoal);
  border-bottom: 1px solid #2a2a2a;
  padding: 16px 0 10px;
}
.rates-bar__inner {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.rates-bar__label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--accent);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 6px;
}
.rates-bar__dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #4caf50;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}
.rates-bar__items {
  display: flex;
  gap: 0;
  flex: 1;
  flex-wrap: wrap;
}
.rate-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0 20px;
  border-right: 1px solid #333;
}
.rate-item:last-child { border-right: none; }
.rate-item__label { font-size: 0.68rem; color: var(--silver); letter-spacing: 1px; text-transform: uppercase; }
.rate-item__value { font-size: 1.1rem; font-weight: 700; color: var(--white); line-height: 1.2; }
.rate-item__note  { font-size: 0.65rem; color: #555; }
.rates-bar__link  { font-size: 0.8rem; font-weight: 600; color: var(--accent); white-space: nowrap; }
.rates-bar__disclaimer { font-size: 0.68rem; color: #444; margin-top: 8px; }

/* ── News Grid ── */
.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.news-card {
  background: var(--white);
  border: 1px solid #e8e8e8;
  border-radius: var(--radius);
  padding: 24px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.news-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}
.news-card__source {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 8px;
}
.news-card__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 10px;
  line-height: 1.35;
}
.news-card__title a { color: inherit; }
.news-card__title a:hover { color: var(--accent); }
.news-card__summary {
  font-size: 0.87rem;
  color: var(--mid-gray);
  line-height: 1.55;
  margin-bottom: 12px;
}
.news-card__meta {
  font-size: 0.72rem;
  color: var(--silver);
}

/* ── Chat Page ── */
.chat-container {
  max-width: 800px;
  margin: 0 auto;
}
.chat-messages {
  height: 480px;
  overflow-y: auto;
  background: var(--off-white);
  border: 1px solid #e0e0e0;
  border-radius: var(--radius) var(--radius) 0 0;
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.chat-msg { display: flex; }
.chat-msg--user { justify-content: flex-end; }
.chat-msg--assistant { justify-content: flex-start; }
.chat-bubble {
  max-width: 75%;
  padding: 12px 16px;
  border-radius: 12px;
  font-size: 0.92rem;
  line-height: 1.5;
}
.chat-msg--user .chat-bubble {
  background: var(--black);
  color: var(--white);
  border-radius: 12px 12px 2px 12px;
}
.chat-msg--assistant .chat-bubble {
  background: var(--white);
  color: var(--black);
  border: 1px solid #e0e0e0;
  border-radius: 12px 12px 12px 2px;
}
.chat-msg--typing .chat-bubble { color: var(--silver); font-style: italic; }
.chat-input-area {
  display: flex;
  border: 1px solid #e0e0e0;
  border-top: none;
  border-radius: 0 0 var(--radius) var(--radius);
  overflow: hidden;
  background: var(--white);
}
.chat-input-area textarea {
  flex: 1;
  padding: 16px;
  border: none;
  outline: none;
  font-family: inherit;
  font-size: 0.92rem;
  resize: none;
  height: 60px;
}
.chat-input-area button {
  padding: 0 28px;
  background: var(--black);
  color: var(--white);
  border: none;
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: background var(--transition);
}
.chat-input-area button:hover { background: var(--charcoal); }
.chat-input-area button:disabled { opacity: 0.5; cursor: not-allowed; }
.chat-suggestions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}
.chat-suggestion {
  background: var(--off-white);
  border: 1px solid #ddd;
  border-radius: 20px;
  padding: 7px 14px;
  font-size: 0.82rem;
  cursor: pointer;
  transition: all var(--transition);
  color: var(--dark-gray);
}
.chat-suggestion:hover {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}

@media (max-width: 768px) {
  .news-grid { grid-template-columns: 1fr; }
  .rates-bar__items { gap: 8px; }
  .rate-item { padding: 0 12px; }
}

/* ══════════════════════════════════════════
   UPDATES — Wider hero, modals, blog, chat
══════════════════════════════════════════ */

/* Hero — wider content block */
.hero__content { max-width: 820px; }
.hero__sub { max-width: 720px; }

/* Remove hero badge (moved to footer) */
.hero__badge { display: none !important; }

/* ── Team Card — Circular Photo ── */
.team-card__photo-wrap {
  text-align: center;
  margin-bottom: 20px;
}
.team-card__photo-circle {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid #e0e0e0;
  box-shadow: 0 4px 16px rgba(0,0,0,0.12);
  display: block;
  margin: 0 auto;
}
.team-card__name { text-align: center; font-size: 1.3rem; font-weight: 700; margin-bottom: 4px; }
.team-card__title { text-align: center; font-size: 0.85rem; color: var(--mid-gray); margin-bottom: 4px; }
.team-card__nmls { text-align: center; font-size: 0.78rem; color: var(--silver); margin-bottom: 16px; }
.team-card__actions { justify-content: center; }

/* ── News Card — footer row ── */
.news-card__footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid #eee;
}
.news-card__date { font-size: 0.72rem; color: var(--silver); }
.news-card__read { font-size: 0.78rem; font-weight: 600; color: var(--accent); }

/* ── News Modal ── */
.news-modal {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 9000;
  align-items: center;
  justify-content: center;
}
.news-modal.open { display: flex; }
.news-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.75);
  backdrop-filter: blur(4px);
}
.news-modal__box {
  position: relative;
  background: var(--white);
  border-radius: 8px;
  padding: 48px;
  max-width: 680px;
  width: 90%;
  max-height: 85vh;
  overflow-y: auto;
  box-shadow: 0 24px 80px rgba(0,0,0,0.4);
  z-index: 1;
}
.news-modal__close {
  position: absolute;
  top: 16px;
  right: 20px;
  background: none;
  border: none;
  font-size: 1.2rem;
  cursor: pointer;
  color: var(--mid-gray);
  line-height: 1;
  padding: 4px 8px;
  border-radius: 4px;
  transition: background var(--transition);
}
.news-modal__close:hover { background: var(--off-white); color: var(--black); }
.news-modal__cat {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}
.news-modal__title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--black);
  line-height: 1.3;
  margin-bottom: 20px;
}
.news-modal__body {
  font-size: 0.95rem;
  color: var(--dark-gray);
  line-height: 1.7;
  margin-bottom: 28px;
}
.news-modal__actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ── Lead Split Layout ── */
.lead-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.lead-split__copy { }
.lead-split__form {
  background: #111;
  border: 1px solid #222;
  border-radius: var(--radius);
  padding: 36px;
}
.lead-split__form .form-group label { color: var(--silver); }
.lead-split__form .form-group input,
.lead-split__form .form-group select,
.lead-split__form .form-group textarea {
  background: #1a1a1a;
  border-color: #333;
  color: var(--white);
}
.lead-split__form .form-group input::placeholder { color: #555; }
.form-disclaimer { font-size: 0.72rem; color: #555; text-align: center; margin-top: 12px; }

/* Check list */
.check-list { list-style: none; margin: 20px 0; }
.check-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--light-gray);
  font-size: 0.92rem;
  margin-bottom: 10px;
}
.check-list li::before { content: '✓'; color: var(--accent); font-weight: 700; }

/* ── Section Header Row ── */
.section-header-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 40px;
  flex-wrap: wrap;
  gap: 16px;
}

/* ── Perk Cards (MLO teaser) ── */
.perks-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.perk-card {
  background: #111;
  border: 1px solid #222;
  border-radius: var(--radius);
  padding: 24px;
}
.perk-card__icon { font-size: 1.8rem; margin-bottom: 10px; }
.perk-card h4 { color: var(--white); font-size: 1rem; margin-bottom: 6px; }
.perk-card p { color: var(--silver); font-size: 0.85rem; margin: 0; }

/* ── AI Teaser Section ── */
.ai-teaser {
  background: var(--black);
  border-radius: 8px;
  padding: 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.ai-teaser__glow {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(200,169,110,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.ai-teaser__chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
  margin: 24px 0 32px;
}
.ai-chip {
  background: #1a1a1a;
  border: 1px solid #333;
  border-radius: 20px;
  padding: 8px 16px;
  font-size: 0.82rem;
  color: var(--silver);
}

/* ── Outline Dark Button ── */
.btn--outline-dark {
  background: transparent;
  color: var(--black);
  border: 2px solid var(--dark-gray);
}
.btn--outline-dark:hover {
  background: var(--off-white);
  border-color: var(--black);
}
/* On dark backgrounds */
.section--dark .btn--outline-dark,
.section--charcoal .btn--outline-dark,
.lead-split__form .btn--outline-dark {
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.section--dark .btn--outline-dark:hover,
.section--charcoal .btn--outline-dark:hover {
  background: rgba(255,255,255,0.08);
  border-color: var(--white);
}

/* ── Page Header (inner pages) ── */
.page-header {
  background: var(--black);
  padding: 80px 0 60px;
}
.page-header h1 { color: var(--white); margin-bottom: 12px; }
.page-header p { color: var(--silver); font-size: 1.05rem; max-width: 640px; }
.page-header .eyebrow { color: var(--accent); }

/* ── Blog Layout ── */
.blog-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 64px;
  align-items: start;
}
.blog-main { }
.blog-sidebar { }

/* Blog filters */
.blog-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 32px;
}
.blog-filter {
  padding: 7px 16px;
  border: 1.5px solid #ddd;
  border-radius: 20px;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--dark-gray);
  cursor: pointer;
  transition: all var(--transition);
}
.blog-filter:hover,
.blog-filter.active {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}

/* ── Blog Cards (new system) ── */

/* Featured post (large, full-width) */
.blog-card--featured {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid #e8e8e8;
  margin-bottom: 32px;
  transition: box-shadow var(--transition), transform var(--transition);
  background: var(--white);
}
.blog-card--featured:hover { box-shadow: 0 12px 40px rgba(0,0,0,0.12); transform: translateY(-2px); }

/* Grid of remaining posts */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.blog-card--grid {
  display: flex;
  flex-direction: column;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid #e8e8e8;
  background: var(--white);
  transition: box-shadow var(--transition), transform var(--transition);
}
.blog-card--grid:hover { box-shadow: 0 8px 24px rgba(0,0,0,0.10); transform: translateY(-2px); }

/* Image area */
.blog-card__image-link { display: block; overflow: hidden; flex-shrink: 0; }
.blog-card__image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}
.blog-card--featured .blog-card__image-link { height: 100%; min-height: 280px; }
.blog-card--featured .blog-card__image { height: 100%; }
.blog-card--grid .blog-card__image-link { height: 180px; }
.blog-card--grid .blog-card__image { height: 180px; }
.blog-card:hover .blog-card__image { transform: scale(1.04); }

/* Placeholder (no image) */
.blog-card__image-placeholder {
  width: 100%;
  height: 100%;
  min-height: 280px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.blog-card__image-placeholder--sm { min-height: 180px; }

/* Card body */
.blog-card__body {
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.blog-card--grid .blog-card__body { padding: 20px; flex: 1; }

/* Meta row */
.blog-card__meta {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}
.blog-card__cat {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 20px;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}
.blog-card__date { font-size: 0.76rem; color: var(--silver); }

/* Titles */
.blog-card__title {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 12px;
  line-height: 1.3;
}
.blog-card__title--sm { font-size: 1.0rem; margin-bottom: 8px; }
.blog-card__title a { color: var(--black); }
.blog-card__title a:hover { color: var(--accent); }

/* Excerpt */
.blog-card__excerpt {
  font-size: 0.92rem;
  color: var(--mid-gray);
  line-height: 1.65;
  margin-bottom: 20px;
  flex: 1;
}
.blog-card__excerpt--sm {
  font-size: 0.85rem;
  margin-bottom: 14px;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

/* Footer row */
.blog-card__footer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid #f0f0f0;
}
.blog-card__author { font-size: 0.78rem; color: var(--silver); display: flex; align-items: center; }
.blog-card__read { font-size: 0.82rem; font-weight: 600; color: var(--black); white-space: nowrap; }
.blog-card__read:hover { color: var(--accent); }

/* Sidebar widgets */
.sidebar-widget {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 24px;
}
.sidebar-widget h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 12px; text-transform: uppercase; letter-spacing: 1px; }
.sidebar-widget p { font-size: 0.88rem; color: var(--mid-gray); margin-bottom: 16px; }
.sidebar-links { list-style: none; }
.sidebar-links li { border-bottom: 1px solid #e0e0e0; }
.sidebar-links li:last-child { border-bottom: none; }
.sidebar-links a { display: block; padding: 9px 0; font-size: 0.88rem; color: var(--dark-gray); transition: color var(--transition); }
.sidebar-links a:hover { color: var(--black); }

/* ── Blog Post Body ── */
.post-meta {
  font-size: 0.85rem;
  color: var(--silver);
  margin-top: 12px;
}
.post-lead {
  font-size: 1.15rem;
  color: var(--dark-gray);
  line-height: 1.7;
  margin-bottom: 2rem;
  font-weight: 400;
}
.post-body h2 {
  font-size: 1.5rem;
  margin: 2.5rem 0 1rem;
  padding-top: 1rem;
  border-top: 1px solid #eee;
}
.post-body h2:first-of-type { border-top: none; margin-top: 0; }
.post-body p { font-size: 0.95rem; line-height: 1.75; margin-bottom: 1.25rem; color: var(--dark-gray); }
.post-body ul, .post-body ol { padding-left: 24px; margin-bottom: 1.25rem; }
.post-body li { font-size: 0.95rem; line-height: 1.7; color: var(--dark-gray); margin-bottom: 6px; }
.post-callout {
  background: var(--off-white);
  border-left: 4px solid var(--accent);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 2rem 0;
  font-size: 0.92rem;
  color: var(--dark-gray);
  line-height: 1.7;
}
.post-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.9rem;
}
.post-table th {
  background: var(--black);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
}
.post-table td {
  padding: 11px 16px;
  border-bottom: 1px solid #eee;
  color: var(--dark-gray);
}
.post-table tr:last-child td { border-bottom: none; }
.post-table tr:nth-child(even) td { background: var(--off-white); }
.post-cta-box {
  background: var(--black);
  border-radius: 8px;
  padding: 40px;
  margin: 3rem 0;
}
.post-cta-box h3 { color: var(--white); margin-bottom: 10px; }
.post-cta-box p { color: var(--silver); margin-bottom: 0; }

/* ── Chat Page Redesign ── */
.chat-page-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 48px;
  align-items: start;
}
.chat-main { }
.chat-sidebar { }
.chat-header {
  margin-bottom: 24px;
}
.chat-header h2 { margin-bottom: 8px; }
.chat-header p { color: var(--mid-gray); font-size: 0.95rem; }
.chat-window {
  border: 1.5px solid #e0e0e0;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.chat-messages {
  height: 520px;
  overflow-y: auto;
  background: #fafafa;
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.chat-msg { display: flex; gap: 12px; }
.chat-msg--user { flex-direction: row-reverse; }
.chat-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--black);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 700;
  flex-shrink: 0;
}
.chat-msg--user .chat-avatar { background: var(--accent); color: var(--black); }
.chat-bubble {
  max-width: 78%;
  padding: 14px 18px;
  border-radius: 12px;
  font-size: 0.92rem;
  line-height: 1.6;
}
.chat-msg--user .chat-bubble {
  background: var(--black);
  color: var(--white);
  border-radius: 12px 2px 12px 12px;
}
.chat-msg--assistant .chat-bubble {
  background: var(--white);
  color: var(--black);
  border: 1.5px solid #e8e8e8;
  border-radius: 2px 12px 12px 12px;
}
.chat-msg--typing .chat-bubble { color: var(--silver); font-style: italic; }
.chat-input-row {
  display: flex;
  align-items: flex-end;
  gap: 0;
  background: var(--white);
  border-top: 1.5px solid #e0e0e0;
  padding: 12px 16px;
}
.chat-input-row textarea {
  flex: 1;
  border: none;
  outline: none;
  font-family: inherit;
  font-size: 0.95rem;
  resize: none;
  height: 52px;
  line-height: 1.5;
  color: var(--black);
  background: transparent;
  padding: 6px 0;
}
.chat-send-btn {
  background: var(--black);
  color: var(--white);
  border: none;
  border-radius: 8px;
  padding: 12px 22px;
  font-weight: 600;
  font-size: 0.88rem;
  cursor: pointer;
  transition: background var(--transition);
  white-space: nowrap;
}
.chat-send-btn:hover { background: var(--charcoal); }
.chat-send-btn:disabled { opacity: 0.4; cursor: not-allowed; }
.chat-starter-qs {
  margin-top: 20px;
}
.chat-starter-qs p {
  font-size: 0.8rem;
  color: var(--silver);
  margin-bottom: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.chat-starter-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.chat-starter-btn {
  background: var(--off-white);
  border: 1.5px solid #e0e0e0;
  border-radius: var(--radius);
  padding: 10px 14px;
  font-size: 0.82rem;
  color: var(--dark-gray);
  cursor: pointer;
  text-align: left;
  transition: all var(--transition);
  line-height: 1.4;
}
.chat-starter-btn:hover {
  background: var(--black);
  color: var(--white);
  border-color: var(--black);
}

/* ── Responsive updates ── */
@media (max-width: 1024px) {
  .blog-layout { grid-template-columns: 1fr; }
  .blog-sidebar { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .chat-page-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .lead-split { grid-template-columns: 1fr; gap: 40px; }
  .perks-grid { grid-template-columns: 1fr 1fr; }
  .ai-teaser { padding: 40px 24px; }
  .news-modal__box { padding: 32px 24px; }
  .chat-starter-grid { grid-template-columns: 1fr; }
  .blog-sidebar { grid-template-columns: 1fr; }
  .section-header-row { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .perks-grid { grid-template-columns: 1fr; }
}


/* ═══════════════════════════════════════════════
   HOMEPAGE REDESIGN v2 — Serif + Imagery + Lanes
═══════════════════════════════════════════════ */

/* Playfair Display serif font */
/* DM Serif Display + DM Sans loaded via header.php */

.serif { font-family: 'DM Serif Display', Georgia, serif !important; }

/* ── Hero v2 — real background image ── */
.hero--img {
  background-size: cover;
  background-position: center 30%;
  background-repeat: no-repeat;
}
.hero--img .hero__overlay {
  background: linear-gradient(135deg, rgba(0,0,0,0.82) 0%, rgba(0,0,0,0.45) 100%);
}
.hero__headline {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: clamp(2.8rem, 5.5vw, 4.6rem);
  font-weight: 400;
  line-height: 1.1;
  color: #fff;
  margin: 0.5rem 0 1.2rem;
  max-width: 900px;
  letter-spacing: 0.01em;
}
.hero__accent { color: var(--accent); }
.hero__eyebrow {
  display: inline-block;
  font-size: 0.76rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 1.1rem;
}
.hero__sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.85);
  max-width: 780px;
  line-height: 1.75;
  margin-bottom: 2.4rem;
}

/* ── Section Titles ── */
.section-title {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 700;
  color: var(--black);
  line-height: 1.2;
  margin: 0 0 0.5rem;
}
.section-title.serif {
  font-family: 'DM Serif Display', Georgia, serif;
}
.section-sub {
  font-size: 1rem;
  color: var(--mid-gray);
  line-height: 1.7;
  margin: 0;
}
.section-header--center {
  text-align: center;
  margin-bottom: 3rem;
}
.section-header--center .section-sub {
  max-width: 580px;
  margin: 0.75rem auto 0;
}
.section-header--split {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}

/* ── Audience Lanes ── */
.lanes { background: #fff; }
.lanes__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
@media (max-width: 900px) { .lanes__grid { grid-template-columns: 1fr; } }

.lane-card {
  border-radius: 12px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
  display: flex;
  flex-direction: column;
  border: 1.5px solid #ececec;
}
.lane-card:hover { transform: translateY(-6px); box-shadow: 0 14px 44px rgba(0,0,0,0.14); }
.lane-card--featured { border-color: var(--accent); }

.lane-card__img {
  height: 280px;
  background-size: cover;
  background-position: center center;
  flex-shrink: 0;
}
.lane-card__body {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  flex: 1;
}
.lane-card__tag {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
}
.lane-card__title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--black);
  line-height: 1.3;
  margin: 0;
}
.lane-card__text {
  font-size: 0.9rem;
  color: var(--mid-gray);
  line-height: 1.65;
  margin: 0;
  flex: 1;
}

/* ── Programs Grid v2 ── */
.programs.section--light { background: #f7f7f7; }
.programs__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
@media (max-width: 900px) { .programs__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .programs__grid { grid-template-columns: 1fr; } }

.programs__grid .program-card {
  background: #fff;
  border-radius: 10px;
  padding: 1.75rem;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  border: 1.5px solid #e8e8e8;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
  position: relative;
  cursor: pointer;
}
.programs__grid .program-card:hover {
  border-color: var(--accent);
  box-shadow: 0 8px 28px rgba(0,0,0,0.1);
  transform: translateY(-3px);
}
.programs__grid .program-card.program-card--featured {
  border-color: var(--accent);
  background: #0a0a0a;
  color: #fff;
}
.programs__grid .program-card.program-card--featured h3 { color: #fff; }
.programs__grid .program-card.program-card--featured p { color: rgba(255,255,255,0.72); }
.programs__grid .program-card.program-card--featured .program-card__cta { color: var(--accent); }
.programs__grid .program-card.program-card--featured .program-card__icon { color: var(--accent); }
.programs__grid .program-card__icon { color: var(--accent); margin-bottom: 0.25rem; }
.programs__grid .program-card__badge {
  position: absolute;
  top: 1rem;
  right: 1rem;
  background: var(--accent);
  color: #000;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 3px 8px;
  border-radius: 4px;
}
.programs__grid .program-card h3 { font-size: 1.1rem; font-weight: 500; letter-spacing: 1.5px; margin: 0; color: var(--black); }
.programs__grid .program-card p { font-size: 0.88rem; color: var(--mid-gray); line-height: 1.6; margin: 0; flex: 1; }
.programs__grid .program-card .program-card__cta { font-size: 0.85rem; font-weight: 600; color: var(--accent); margin-top: auto; }

/* ── Why XMB — Dark Textured Section ── */
.why-xmb {
  position: relative;
  padding: var(--section-pad);
}
.why-xmb__overlay {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.84);
  z-index: 1;
}
.why-xmb__inner {
  position: relative;
  z-index: 2;
}
.why-xmb .why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}
@media (max-width: 900px) { .why-xmb .why-grid { grid-template-columns: 1fr; } }

.why-xmb .why-card {
  padding: 2rem;
  border-radius: 10px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.09);
}
.why-xmb .why-card:hover {
  background: rgba(255,255,255,0.07);
  border-color: rgba(200,169,110,0.3);
}
.why-xmb .why-card__num {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--accent);
  opacity: 0.55;
  line-height: 1;
  margin-bottom: 0.75rem;
}
.why-xmb .why-card h3 { color: #fff; font-size: 1.1rem; font-weight: 500; letter-spacing: 1.5px; margin: 0 0 0.5rem; }
.why-xmb .why-card p { color: rgba(255,255,255,0.68); font-size: 0.9rem; line-height: 1.7; margin: 0; }

/* ── Team Section v2 ── */
.team.section--light { background: #f7f7f7; }
.team__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2.5rem;
  max-width: 1100px;
  margin: 0 auto;
  align-items: stretch;
}
.team__grid .team-card { min-height: 0; }
@media (max-width: 720px) { .team__grid { grid-template-columns: 1fr; max-width: 480px; } }

.team__grid .team-card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 3rem 2.5rem 2.5rem;
  text-align: center;
  border: 1.5px solid #ececec;
  transition: box-shadow 0.2s, transform 0.2s;
}
.team__grid .team-card:hover { box-shadow: 0 12px 40px rgba(0,0,0,0.12); transform: translateY(-4px); }
.team__grid .team-card__photo-wrap { margin-bottom: 1.25rem; }
.team__grid .team-card__photo-circle {
  width: 150px;
  height: 150px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  border: 3px solid var(--accent);
  box-shadow: 0 4px 20px rgba(0,0,0,0.15);
  display: block;
}
.team__grid .team-card__body { display: flex; flex-direction: column; align-items: center; gap: 0.4rem; width: 100%; }
.team__grid .team-card__name { font-size: 1.35rem; font-weight: 700; color: var(--black); margin: 0; }
.team__grid .team-card__title { font-size: 0.88rem; color: var(--accent); font-weight: 600; margin: 0; }
.team__grid .team-card__nmls { font-size: 0.78rem; color: var(--silver); margin: 0; }
.team__grid .team-card__bio { font-size: 0.9rem; color: var(--mid-gray); line-height: 1.65; margin: 0.5rem 0 0.75rem; text-align: left; }
.team__grid .team-card__btns { display: flex; gap: 0.75rem; flex-wrap: wrap; justify-content: center; margin-top: 0.5rem; }

/* ── News Section v2 ── */
.news-section { background: #f7f7f7; }
.news-section .news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
@media (max-width: 900px) { .news-section .news-grid { grid-template-columns: 1fr; } }

.news-section .news-card {
  background: #fff;
  border-radius: 10px;
  padding: 1.75rem;
  border: 1.5px solid #e8e8e8;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: box-shadow 0.2s, transform 0.2s;
}
.news-section .news-card:hover { box-shadow: 0 8px 28px rgba(0,0,0,0.1); transform: translateY(-3px); }
.news-section .news-card__meta { display: flex; justify-content: space-between; align-items: center; gap: 0.5rem; }
.news-section .news-card__source { font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent); }
.news-section .news-card__date { font-size: 0.75rem; color: var(--silver); }
.news-section .news-card__title { font-size: 1.05rem; font-weight: 700; color: var(--black); line-height: 1.35; margin: 0; }
.news-section .news-card__excerpt { font-size: 0.88rem; color: var(--mid-gray); line-height: 1.65; margin: 0; flex: 1; }
.news-section .news-card__read { background: none; border: none; color: var(--accent); font-weight: 600; font-size: 0.88rem; cursor: pointer; padding: 0; text-align: left; margin-top: auto; }
.news-section .news-card__read:hover { text-decoration: underline; }

/* ── CTA Strip ── */
.cta-strip {
  background: #0a0a0a;
  padding: 5rem 0;
  border-top: 1px solid #1a1a1a;
}
.cta-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}
.cta-strip__headline {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  color: #fff;
  margin: 0 0 0.5rem;
  line-height: 1.25;
}
.cta-strip__sub { color: rgba(255,255,255,0.6); font-size: 1rem; margin: 0; }
.cta-strip__btns { display: flex; gap: 1rem; flex-wrap: wrap; flex-shrink: 0; }
@media (max-width: 768px) {
  .cta-strip__inner { flex-direction: column; text-align: center; }
  .cta-strip__btns { justify-content: center; }
}

/* Skeleton loaders */
.news-skeleton {
  background: linear-gradient(90deg, #f0f0f0 25%, #e4e4e4 50%, #f0f0f0 75%);
  background-size: 200% 100%;
  animation: shimmer 1.4s infinite;
  border-radius: 10px;
  height: 220px;
}
@keyframes shimmer { 0%{background-position:200% 0} 100%{background-position:-200% 0} }


/* ══════════════════════════════════════════════════════════════
   MOBILE RESPONSIVENESS — Comprehensive Fix
   All breakpoints: 768px (tablet/mobile) and 480px (small phone)
══════════════════════════════════════════════════════════════ */

/* ── 768px and below ── */
@media (max-width: 768px) {

  /* === GLOBAL === */
  :root { --section-pad: 48px 0; }
  .container, .container--wide { padding: 0 16px; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.55rem; letter-spacing: 0.5px; }
  h3 { font-size: 1.1rem; }

  /* === HERO === */
  .hero { min-height: 85vh; padding: 100px 0 60px; }
  .hero__content { text-align: center; }
  .hero__headline { font-size: clamp(2rem, 8vw, 3rem); text-align: center; }
  .hero__sub { font-size: 1rem; text-align: center; margin-left: auto; margin-right: auto; }
  .hero__eyebrow { display: block; text-align: center; }
  .hero__ctas {
    flex-direction: column;
    align-items: center;
    gap: 12px;
  }
  .hero__ctas .btn { width: 100%; max-width: 320px; text-align: center; justify-content: center; }

  /* === RATES BAR === */
  .rates-bar__inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }
  .rates-bar__items {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    width: 100%;
  }
  .rate-item {
    padding: 8px 12px;
    border-right: none;
    border-bottom: 1px solid #333;
  }
  .rate-item:nth-child(even) { border-right: none; }
  .rates-bar__cta { width: 100%; text-align: center; }

  /* === STATS BAR === */
  .stats-bar__grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .stat { border-right: none; text-align: center; padding: 12px; }
  .stat__num { font-size: 2rem; }

  /* === LANES / WHO WE WORK WITH === */
  .lanes__grid { grid-template-columns: 1fr; gap: 20px; }
  .lane-card__img { height: 200px; }
  .lane-card__body { padding: 1.25rem; }

  /* === PROGRAMS GRID === */
  .programs__grid { grid-template-columns: 1fr; gap: 12px; }
  .programs-band__grid { grid-template-columns: 1fr; }
  .program-card { padding: 1.25rem; }

  /* === WHY SECTION === */
  .why-xmb .why-grid { grid-template-columns: 1fr; gap: 16px; }
  .why-grid { grid-template-columns: 1fr; }
  .why-card { padding: 1.5rem; }

  /* === TEAM SECTION === */
  .team__grid { grid-template-columns: 1fr; max-width: 420px; margin-left: auto; margin-right: auto; }
  .team__grid .team-card { padding: 2rem 1.5rem; }
  .team__grid .team-card__photo-circle { width: 120px; height: 120px; }
  .team__grid .team-card__bio { text-align: center; }
  .team__grid .team-card__btns { flex-direction: column; align-items: stretch; }
  .team__grid .team-card__btns .btn { width: 100%; text-align: center; justify-content: center; }

  /* === NEWS SECTION === */
  .news-section .news-grid { grid-template-columns: 1fr; gap: 16px; }
  .news-grid { grid-template-columns: 1fr; }
  .section-header--split { flex-direction: column; align-items: flex-start; gap: 12px; }

  /* === CTA STRIP === */
  .cta-strip { padding: 3rem 0; }
  .cta-strip__inner { flex-direction: column; text-align: center; align-items: center; }
  .cta-strip__btns { flex-direction: column; align-items: stretch; width: 100%; max-width: 320px; }
  .cta-strip__btns .btn { width: 100%; text-align: center; justify-content: center; }
  .cta-strip__headline { font-size: 1.6rem; }

  /* === BLOG INDEX === */
  .blog-layout { grid-template-columns: 1fr; gap: 40px; }
  .blog-sidebar { display: block; }
  .blog-card--featured {
    grid-template-columns: 1fr;
  }
  .blog-card--featured .blog-card__image-link { height: 220px; min-height: 0; }
  .blog-grid { grid-template-columns: 1fr; gap: 20px; }
  .blog-card__body { padding: 20px; }
  .blog-card__title { font-size: 1.1rem; }

  /* === BLOG POST === */
  .post-body h2 { font-size: 1.3rem; }
  .post-lead { font-size: 1rem; }
  .post-cta-box { padding: 28px 20px; }
  .post-table { font-size: 0.82rem; }
  .post-table th, .post-table td { padding: 9px 10px; }

  /* === CHAT PAGE === */
  .chat-page-layout { grid-template-columns: 1fr; gap: 32px; }
  .chat-sidebar { order: -1; }
  .chat-messages { height: 380px; padding: 16px; }
  .chat-starter-grid { grid-template-columns: 1fr; }
  .chat-input-row { padding: 10px 12px; }
  .chat-send-btn { padding: 10px 16px; font-size: 0.82rem; }
  .chat-bubble { max-width: 90%; font-size: 0.88rem; }

  /* === RATES PAGE === */
  .rates-page-grid,
  .rates-grid { grid-template-columns: 1fr; }
  .rate-card { padding: 20px; }
  .rate-table-wrap { overflow-x: auto; }

  /* === APPLY / PREQUAL PAGE === */
  .prequal { grid-template-columns: 1fr; gap: 32px; }
  .prequal__image { display: none; }
  .lead-split { grid-template-columns: 1fr; gap: 32px; }
  .lead-split__form { padding: 24px 20px; }
  .form-row { grid-template-columns: 1fr; }

  /* === LOAN PROGRAM PAGES === */
  .loan-details { grid-template-columns: 1fr; gap: 32px; }
  .loan-details__sidebar { position: static; }
  .loan-hero__content { text-align: center; }
  .loan-hero__ctas { flex-direction: column; align-items: center; gap: 12px; }
  .loan-hero__ctas .btn { width: 100%; max-width: 300px; text-align: center; }

  /* === PARTNER / MLO PAGES === */
  .partner-benefits { grid-template-columns: 1fr; }
  .perks-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }

  /* === CONTACT PAGE === */
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }

  /* === PAGE HEADER (inner pages) === */
  .page-header { padding: 60px 0 40px; }
  .page-header h1 { font-size: 1.8rem; }
  .page-header p { font-size: 0.95rem; }

  /* === FOOTER === */
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .footer__brand { text-align: center; }
  .footer__social { justify-content: center; }
  .footer__bottom { flex-direction: column; text-align: center; gap: 12px; }

  /* === MODAL === */
  .news-modal__box { padding: 24px 20px; width: 95%; }
  .news-modal__title { font-size: 1.2rem; }

  /* === AI TEASER === */
  .ai-teaser { padding: 40px 20px; }
  .ai-teaser__chips { gap: 8px; }
  .ai-chip { padding: 6px 12px; font-size: 0.78rem; }

  /* === GENERAL BUTTONS === */
  .btn--lg { width: 100%; text-align: center; justify-content: center; }
  .section-header-row { flex-direction: column; align-items: flex-start; gap: 12px; }
}

/* ── 480px and below (small phones) ── */
@media (max-width: 480px) {
  :root { --section-pad: 36px 0; }
  .container, .container--wide { padding: 0 14px; }

  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.35rem; }
  h3 { font-size: 1rem; }

  /* Stats — 2 columns on small phones */
  .stats-bar__grid { grid-template-columns: 1fr 1fr; gap: 16px; }
  .stat__num { font-size: 1.75rem; }

  /* Perks — stack on small phones */
  .perks-grid { grid-template-columns: 1fr; }

  /* Rates bar — single column on small phones */
  .rates-bar__items { grid-template-columns: 1fr; }

  /* Team — centered on small phones */
  .team__grid { max-width: 100%; }

  /* Blog featured card — tighter image */
  .blog-card--featured .blog-card__image-link { height: 180px; }

  /* Chat — tighter on small phones */
  .chat-messages { height: 320px; padding: 12px; }
  .chat-bubble { padding: 10px 14px; }

  /* CTA strip */
  .cta-strip__btns { max-width: 100%; }

  /* Post table — horizontal scroll */
  .post-table { min-width: 480px; }

  /* Nav — tighter */
  .nav__cta { display: none; }
}


/* ══════════════════════════════════════════════════════════════
   MOBILE RESPONSIVENESS — Comprehensive Additions v2
   Covers: inline-style overrides, form pages, loan programs,
   blog posts, rates page, join/partners page, become-a-broker
   Breakpoints: 900px, 768px, 560px, 480px
══════════════════════════════════════════════════════════════ */

/* ── 900px — Tablet ── */
@media (max-width: 900px) {
  .rates-split { grid-template-columns: 1fr !important; gap: 40px; }
  .rates-explainers__grid { grid-template-columns: 1fr !important; gap: 20px; }
  .rates-resources__grid { grid-template-columns: 1fr !important; gap: 12px; }
  .partners-hero-grid { grid-template-columns: 1fr !important; gap: 0; }
  .become-split, [style*="grid-template-columns:1fr 1fr"] { grid-template-columns: 1fr !important; gap: 40px !important; }
  [style*="grid-template-columns:repeat(3,1fr)"] { grid-template-columns: 1fr 1fr !important; }
}

/* ── 768px — Mobile ── */
@media (max-width: 768px) {
  /* Inline grid overrides */
  [style*="grid-template-columns:1fr 1.4fr"], [style*="grid-template-columns: 1fr 1.4fr"] { display: block !important; }
  [style*="grid-template-columns:1fr 1fr"], [style*="grid-template-columns: 1fr 1fr"] { display: block !important; }
  [style*="grid-template-columns:1fr 1fr; gap:80px"], [style*="grid-template-columns:1fr 1fr; gap:48px"] { display: block !important; }
  [style*="grid-template-columns:repeat(3,1fr)"] { grid-template-columns: 1fr !important; }
  .section > .container > div[style*="grid"] { display: block !important; }

  /* Apply page */
  div[style*="display:flex; gap:20px; padding:24px 0"] { gap: 14px !important; padding: 20px 0 !important; }
  .lead-split__form, .form-card { padding: 24px 16px !important; margin-top: 0 !important; }

  /* Contact page */
  div[style*="display:grid; grid-template-columns:1fr 1fr; gap:48px"] { display: block !important; }
  div[style*="background:var(--off-white); border-radius:4px; padding:36px"] { margin-bottom: 24px !important; }

  /* Rates page */
  .rates-split { grid-template-columns: 1fr !important; gap: 32px; }
  .rates-cta-box { padding: 24px 20px !important; }
  .rates-cta-box__btns { flex-direction: column !important; gap: 10px !important; }
  .rates-cta-box__btns .btn { width: 100% !important; text-align: center !important; justify-content: center !important; }
  .rates-factors { margin-top: 24px; }
  .rates-factor-row { flex-direction: column !important; gap: 4px !important; padding: 12px 0 !important; }
  .rates-factor-row strong { font-size: 0.9rem; }
  .rates-factor-row span { font-size: 0.82rem; color: var(--mid-gray); }
  .rates-explainers { margin-top: 48px; }
  .rates-explainers__grid { grid-template-columns: 1fr !important; gap: 16px; }
  .rates-explainer-card { padding: 20px !important; }
  .rates-resources__grid { grid-template-columns: 1fr !important; gap: 10px; }
  .rates-resource-link { padding: 16px !important; }

  /* Join / Partners page */
  .partners-hero-grid { grid-template-columns: 1fr !important; }
  .partner-path { padding: 32px 24px !important; }
  .partner-path__title { font-size: 1.2rem !important; }
  .role-toggle { flex-direction: column !important; gap: 8px !important; }
  .role-toggle__btn { width: 100% !important; text-align: center !important; }
  .unified-form-card { padding: 24px 16px !important; border-radius: 6px !important; }
  .unified-form-card__header { padding: 20px 16px !important; }
  .unified-form-card__body { padding: 20px 16px !important; }

  /* Become-a-broker page */
  div[style*="grid-template-columns:1fr 1fr; gap:80px; align-items:start"] { display: block !important; }
  div[style*="grid-template-columns:1fr 1fr; gap:80px; align-items:center"] { display: block !important; }
  div[style*="grid-template-columns:repeat(3,1fr); gap:16px"] { grid-template-columns: 1fr !important; gap: 12px !important; }
  div[style*="display:flex; gap:24px; padding:28px 0; border-bottom:1px solid #e0e0e0"] { flex-direction: column !important; gap: 12px !important; }

  /* Loan program pages */
  .loan-details { grid-template-columns: 1fr !important; gap: 32px; }
  .loan-details__sidebar { position: static !important; top: auto !important; }
  .loan-hero { padding: 80px 0 48px !important; }
  .loan-hero__content { text-align: center !important; }
  .loan-hero__ctas { flex-direction: column !important; align-items: center !important; gap: 12px !important; }
  .loan-hero__ctas .btn { width: 100% !important; max-width: 300px !important; text-align: center !important; justify-content: center !important; }
  .loan-highlights { grid-template-columns: 1fr 1fr !important; gap: 12px !important; }
  .loan-highlight-item { padding: 16px !important; }
  .loan-faq__item { padding: 16px 0 !important; }

  /* Blog index */
  .blog-layout { grid-template-columns: 1fr !important; gap: 32px; }
  .blog-sidebar { order: 2; }
  .blog-main { order: 1; }
  .blog-card--featured { grid-template-columns: 1fr !important; }
  .blog-card--featured .blog-card__image-link { height: 220px !important; min-height: 0 !important; }
  .blog-grid { grid-template-columns: 1fr !important; gap: 20px !important; }
  .blog-filters { display: flex !important; flex-wrap: nowrap !important; overflow-x: auto !important; -webkit-overflow-scrolling: touch !important; gap: 8px !important; padding-bottom: 8px !important; scrollbar-width: none !important; }
  .blog-filters::-webkit-scrollbar { display: none; }
  .blog-filter { white-space: nowrap !important; flex-shrink: 0 !important; }
  .blog-card__body { padding: 20px 16px !important; }
  .blog-card__title { font-size: 1.05rem !important; }
  .blog-sidebar .sidebar-widget { padding: 20px !important; }

  /* Blog post pages */
  .post-layout { grid-template-columns: 1fr !important; gap: 32px; }
  .post-sidebar { display: none !important; }
  .post-body { max-width: 100% !important; }
  .post-body h2 { font-size: 1.3rem !important; }
  .post-body h3 { font-size: 1.1rem !important; }
  .post-lead { font-size: 1rem !important; }
  .post-cta-box { padding: 24px 16px !important; flex-direction: column !important; gap: 16px !important; text-align: center !important; }
  .post-cta-box .btn { width: 100% !important; text-align: center !important; justify-content: center !important; }
  .post-table-wrap { overflow-x: auto !important; -webkit-overflow-scrolling: touch !important; }
  .post-table { min-width: 480px; }
  .post-table th, .post-table td { padding: 9px 10px !important; font-size: 0.82rem !important; }
  .post-header { padding: 60px 0 32px !important; }
  .post-header h1 { font-size: 1.75rem !important; }
  .post-meta { flex-wrap: wrap !important; gap: 8px !important; }

  /* Form elements — all pages */
  .form-row { grid-template-columns: 1fr !important; gap: 0 !important; }
  .form-group { margin-bottom: 16px !important; }
  .form-group label { font-size: 0.85rem !important; }
  .form-group input, .form-group select, .form-group textarea { font-size: 16px !important; }

  /* Page hero */
  .page-hero { padding: 60px 0 40px !important; }
  .page-hero h1 { font-size: 1.9rem !important; }
  .page-hero p { font-size: 0.95rem !important; }
  .page-header { padding: 60px 0 40px !important; }
  .page-header h1 { font-size: 1.8rem !important; }

  /* Section headers */
  .section-header--center { padding: 0 8px !important; }
  .section-header--center h2 { font-size: 1.5rem !important; }
  .section-header--center p { font-size: 0.92rem !important; }

  /* About page */
  .about-split { grid-template-columns: 1fr !important; gap: 32px; }

  /* Legal pages */
  .legal-content { padding: 0 !important; }
  .legal-content h2 { font-size: 1.2rem !important; }

  /* Thank you page */
  .thank-you-box { padding: 40px 20px !important; }

  /* Eyebrow labels */
  .eyebrow { font-size: 0.65rem !important; }

  /* Prevent horizontal overflow */
  body { overflow-x: hidden !important; }
  .container, .container--wide { overflow-x: hidden; }
}

/* ── 560px — Smaller phones ── */
@media (max-width: 560px) {
  [style*="grid-template-columns:repeat(3,1fr)"] { grid-template-columns: 1fr !important; }
  .loan-highlights { grid-template-columns: 1fr !important; }
  .rates-table__row { flex-direction: column !important; align-items: flex-start !important; gap: 4px !important; padding: 14px 16px !important; }
  .rates-table__value { font-size: 1.1rem !important; font-weight: 700 !important; color: var(--accent) !important; }
  .partner-path { padding: 28px 20px !important; }
  .blog-card--featured .blog-card__image-link { height: 180px !important; }
  .lead-split__form, .form-card, .unified-form-card { padding: 20px 14px !important; }
  .cta-strip__btns { width: 100% !important; max-width: 100% !important; }
  .page-hero h1, .page-header h1 { font-size: 1.6rem !important; }
  div[style*="display:flex; gap:24px; padding:28px 0"] { gap: 10px !important; padding: 20px 0 !important; }
}

/* ── 480px — Small phones ── */
@media (max-width: 480px) {
  h1 { font-size: 1.65rem !important; }
  h2 { font-size: 1.3rem !important; }
  h3 { font-size: 1rem !important; }
  .container, .container--wide { padding: 0 14px !important; }
  :root { --section-pad: 36px 0; }
  .stats-bar__grid { grid-template-columns: 1fr 1fr !important; gap: 16px !important; }
  .stat__num { font-size: 1.75rem !important; }
  .perks-grid { grid-template-columns: 1fr !important; }
  .rates-bar__items { grid-template-columns: 1fr !important; }
  .blog-card--featured .blog-card__image-link { height: 160px !important; }
  .post-header h1 { font-size: 1.5rem !important; }
  div[style*="background:var(--off-white); border-radius:4px; padding:36px"] { padding: 24px 16px !important; }
  .rates-table__header { padding: 12px 14px !important; }
  .rates-table__header span { font-size: 0.78rem !important; }
  .nav__cta { display: none !important; }
  * { max-width: 100%; }
  img, video, iframe { max-width: 100% !important; height: auto !important; }
}


/* ── Loan Program Sidebar — Stack Below Content on Mobile ── */
@media (max-width: 768px) {
  .loan-details {
    display: flex !important;
    flex-direction: column !important;
    gap: 32px;
  }
  /* Main content area first */
  .loan-details > *:first-child {
    order: 1 !important;
  }
  /* Sidebar (Loan Highlights) second — below content */
  .loan-details > *:last-child,
  .loan-details__sidebar {
    order: 2 !important;
    position: static !important;
    top: auto !important;
    width: 100% !important;
  }
}


/* ============================================================
   xMortgageBroker — Newsletter Signup Widget Styles
   ============================================================ */

/* ── Dark variant (footer) ─────────────────────────────────── */
.newsletter-widget--dark {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 36px 0 32px;
  margin-bottom: 32px;
}
.newsletter-widget--dark .newsletter-widget__inner {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}
.newsletter-widget--dark .newsletter-widget__text { flex: 1 1 260px; }
.newsletter-widget--dark .newsletter-widget__text h4 { font-size: 1.05rem; font-weight: 700; color: #fff; margin: 0 0 6px; }
.newsletter-widget--dark .newsletter-widget__text p { font-size: 0.85rem; color: #aaa; margin: 0; line-height: 1.6; }
.newsletter-widget--dark .newsletter-widget__form { flex: 1 1 340px; }
.newsletter-widget--dark .newsletter-widget__fields { display: flex; gap: 8px; flex-wrap: wrap; }
.newsletter-widget--dark .newsletter-widget__fields input {
  flex: 1 1 130px; padding: 10px 14px; background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15); border-radius: 4px; color: #fff;
  font-size: 0.88rem; outline: none; transition: border-color 0.2s;
}
.newsletter-widget--dark .newsletter-widget__fields input::placeholder { color: #666; }
.newsletter-widget--dark .newsletter-widget__fields input:focus { border-color: rgba(255,255,255,0.4); }
.newsletter-widget--dark .newsletter-widget__fields button {
  padding: 10px 20px; background: #fff; color: #0a0a0a; border: none;
  border-radius: 4px; font-size: 0.88rem; font-weight: 700; cursor: pointer;
  white-space: nowrap; transition: background 0.2s;
}
.newsletter-widget--dark .newsletter-widget__fields button:hover { background: #e8e8e8; }
.newsletter-widget--dark .newsletter-widget__msg { margin-top: 10px; font-size: 0.82rem; padding: 8px 12px; border-radius: 4px; }
.newsletter-widget--dark .newsletter-widget__msg.success { background: rgba(46,125,50,0.25); color: #81c784; }
.newsletter-widget--dark .newsletter-widget__msg.error { background: rgba(198,40,40,0.25); color: #ef9a9a; }

/* ── Light variant (inline sections) ──────────────────────── */
.newsletter-widget--light {
  background: var(--off-white, #f8f8f8);
  border: 1px solid #e0e0e0; border-radius: 6px; padding: 32px 36px; margin: 40px 0;
}
.newsletter-widget--light .newsletter-widget__inner { display: flex; align-items: center; gap: 40px; flex-wrap: wrap; }
.newsletter-widget--light .newsletter-widget__text { flex: 1 1 240px; }
.newsletter-widget--light .newsletter-widget__text h4 { font-size: 1.05rem; font-weight: 700; color: var(--black, #0a0a0a); margin: 0 0 6px; }
.newsletter-widget--light .newsletter-widget__text p { font-size: 0.85rem; color: var(--silver, #888); margin: 0; line-height: 1.6; }
.newsletter-widget--light .newsletter-widget__form { flex: 1 1 340px; }
.newsletter-widget--light .newsletter-widget__fields { display: flex; gap: 8px; flex-wrap: wrap; }
.newsletter-widget--light .newsletter-widget__fields input {
  flex: 1 1 130px; padding: 10px 14px; background: #fff; border: 1px solid #ddd;
  border-radius: 4px; color: #111; font-size: 0.88rem; outline: none; transition: border-color 0.2s;
}
.newsletter-widget--light .newsletter-widget__fields input:focus { border-color: #999; }
.newsletter-widget--light .newsletter-widget__fields button {
  padding: 10px 20px; background: #0a0a0a; color: #fff; border: none;
  border-radius: 4px; font-size: 0.88rem; font-weight: 700; cursor: pointer;
  white-space: nowrap; transition: background 0.2s;
}
.newsletter-widget--light .newsletter-widget__fields button:hover { background: #333; }
.newsletter-widget--light .newsletter-widget__msg { margin-top: 10px; font-size: 0.82rem; padding: 8px 12px; border-radius: 4px; }
.newsletter-widget--light .newsletter-widget__msg.success { background: #e8f5e9; color: #2e7d32; }
.newsletter-widget--light .newsletter-widget__msg.error { background: #fce4ec; color: #c62828; }

/* ── Strip variant (between page sections) ─────────────────── */
.newsletter-strip { background: #0a0a0a; padding: 52px 0; }
.newsletter-strip__inner { display: flex; align-items: center; gap: 48px; flex-wrap: wrap; }
.newsletter-strip__text { flex: 1 1 280px; }
.newsletter-strip__text h3 { font-size: 1.3rem; font-weight: 700; color: #fff; margin: 0 0 8px; }
.newsletter-strip__text p { font-size: 0.9rem; color: #999; margin: 0; line-height: 1.6; }
.newsletter-strip__form { flex: 1 1 360px; }
.newsletter-strip__fields { display: flex; gap: 8px; flex-wrap: wrap; }
.newsletter-strip__fields input {
  flex: 1 1 130px; padding: 12px 16px; background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15); border-radius: 4px; color: #fff;
  font-size: 0.9rem; outline: none; transition: border-color 0.2s;
}
.newsletter-strip__fields input::placeholder { color: #666; }
.newsletter-strip__fields input:focus { border-color: rgba(255,255,255,0.4); }
.newsletter-strip__fields button {
  padding: 12px 24px; background: #fff; color: #0a0a0a; border: none;
  border-radius: 4px; font-size: 0.9rem; font-weight: 700; cursor: pointer;
  white-space: nowrap; transition: background 0.2s;
}
.newsletter-strip__fields button:hover { background: #e8e8e8; }
.newsletter-strip__msg { margin-top: 10px; font-size: 0.82rem; padding: 8px 12px; border-radius: 4px; }
.newsletter-strip__msg.success { background: rgba(46,125,50,0.25); color: #81c784; }
.newsletter-strip__msg.error { background: rgba(198,40,40,0.25); color: #ef9a9a; }

/* ── Sidebar newsletter widget ──────────────────────────────── */
.sidebar-newsletter { background: #0a0a0a; border-radius: 4px; padding: 20px; }
.sidebar-newsletter h4 { color: #fff; font-size: 0.95rem; margin: 0 0 8px; }
.sidebar-newsletter p { color: #aaa; font-size: 0.82rem; margin: 0 0 14px; line-height: 1.5; }
.sidebar-newsletter .newsletter-widget__fields { flex-direction: column; gap: 8px; }
.sidebar-newsletter .newsletter-widget__fields input {
  width: 100%; padding: 9px 12px; background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15); border-radius: 4px; color: #fff;
  font-size: 0.85rem; outline: none; box-sizing: border-box;
}
.sidebar-newsletter .newsletter-widget__fields input::placeholder { color: #666; }
.sidebar-newsletter .newsletter-widget__fields button {
  width: 100%; padding: 10px; background: #fff; color: #0a0a0a; border: none;
  border-radius: 4px; font-size: 0.85rem; font-weight: 700; cursor: pointer;
}
.sidebar-newsletter .newsletter-widget__msg { margin-top: 8px; font-size: 0.78rem; padding: 6px 10px; border-radius: 4px; }
.sidebar-newsletter .newsletter-widget__msg.success { background: rgba(46,125,50,0.25); color: #81c784; }
.sidebar-newsletter .newsletter-widget__msg.error { background: rgba(198,40,40,0.25); color: #ef9a9a; }

/* ── Shared disabled state ──────────────────────────────────── */
.newsletter-widget__fields button[disabled],
.newsletter-strip__fields button[disabled] { opacity: 0.6; cursor: not-allowed; }

/* ── Mobile responsive ──────────────────────────────────────── */
@media (max-width: 768px) {
  .newsletter-widget--dark .newsletter-widget__inner,
  .newsletter-widget--light .newsletter-widget__inner,
  .newsletter-strip__inner { flex-direction: column; gap: 20px; }
  .newsletter-widget--dark .newsletter-widget__text,
  .newsletter-widget--light .newsletter-widget__text,
  .newsletter-strip__text,
  .newsletter-widget--dark .newsletter-widget__form,
  .newsletter-widget--light .newsletter-widget__form,
  .newsletter-strip__form { flex: 1 1 100%; width: 100%; }
  .newsletter-widget--dark .newsletter-widget__fields,
  .newsletter-widget--light .newsletter-widget__fields,
  .newsletter-strip__fields { flex-direction: column; }
  .newsletter-widget--dark .newsletter-widget__fields input,
  .newsletter-widget--light .newsletter-widget__fields input,
  .newsletter-strip__fields input,
  .newsletter-widget--dark .newsletter-widget__fields button,
  .newsletter-widget--light .newsletter-widget__fields button,
  .newsletter-strip__fields button { width: 100%; flex: 1 1 100%; }
  .newsletter-widget--light { padding: 24px 20px; }
  .newsletter-strip { padding: 40px 0; }
}


/* ═══════════════════════════════════════════════
   HOMEPAGE REFRESH — Program Cards (3-up)
═══════════════════════════════════════════════ */

.program-cards--3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  margin-top: 2.5rem;
}

.program-card--featured {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 12px;
  padding: 2rem 1.75rem;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.25s ease, transform 0.25s ease, border-color 0.25s ease;
  position: relative;
}

.program-card--featured:hover {
  box-shadow: 0 12px 40px rgba(0,0,0,0.1);
  transform: translateY(-4px);
  border-color: var(--clr-gold, #c9a84c);
}

.program-card--featured .program-card__icon {
  width: 52px;
  height: 52px;
  background: var(--clr-navy, #0a1628);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--clr-gold, #c9a84c);
}

.program-card--featured h3 {
  font-size: 1.3rem;
  margin-bottom: 0.75rem;
  color: var(--clr-navy, #0a1628);
}

.program-card--featured p {
  font-size: 0.95rem;
  color: #555;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.program-card__bullets {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
  flex: 1;
}

.program-card__bullets li {
  font-size: 0.88rem;
  color: #444;
  padding: 0.3rem 0 0.3rem 1.4rem;
  position: relative;
  border-bottom: 1px solid #f0f0f0;
}

.program-card__bullets li:last-child {
  border-bottom: none;
}

.program-card__bullets li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  color: var(--clr-gold, #c9a84c);
  font-weight: 700;
  font-size: 0.85rem;
}

.program-card--featured .program-card__cta {
  display: inline-block;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--clr-navy, #0a1628);
  letter-spacing: 0.02em;
  margin-top: auto;
  transition: color 0.2s;
}

.program-card--featured:hover .program-card__cta {
  color: var(--clr-gold, #c9a84c);
}

/* ═══════════════════════════════════════════════
   PROCESS STEPS — How We Work
═══════════════════════════════════════════════ */

.process-steps {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  gap: 1.5rem;
  align-items: start;
  margin-top: 2.5rem;
}

.process-step {
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 12px;
  padding: 2rem 1.75rem;
  text-align: center;
}

.process-step__num {
  font-size: 2.5rem;
  color: var(--clr-gold, #c9a84c);
  font-weight: 700;
  line-height: 1;
  margin-bottom: 0.75rem;
  display: block;
}

.process-step h3 {
  font-size: 1.15rem;
  color: var(--clr-navy, #0a1628);
  margin-bottom: 0.75rem;
}

.process-step p {
  font-size: 0.92rem;
  color: #555;
  line-height: 1.7;
}

.process-step__arrow {
  font-size: 2rem;
  color: var(--clr-gold, #c9a84c);
  align-self: center;
  font-weight: 300;
  padding-top: 1rem;
}

.why-card__num {
  font-size: 2rem;
  margin-bottom: 0.75rem;
  display: block;
}

@media (max-width: 900px) {
  .program-cards--3 {
    grid-template-columns: 1fr 1fr;
  }
  .process-steps {
    grid-template-columns: 1fr;
  }
  .process-step__arrow {
    text-align: center;
    transform: rotate(90deg);
    padding: 0;
    font-size: 1.5rem;
  }
}

@media (max-width: 600px) {
  .program-cards--3 {
    grid-template-columns: 1fr;
  }
  .program-card--featured {
    padding: 1.5rem 1.25rem;
  }
  .process-step {
    padding: 1.5rem 1.25rem;
  }
}

/* ═══════════════════════════════════════════════════════════════
   HOMEPAGE SECTIONS — Comprehensive Responsive CSS
   Covers: program cards (3-col), process steps, team profiles,
           blog preview grid, stats bar, CTA section
═══════════════════════════════════════════════════════════════ */

/* ─── SHARED SECTION UTILITIES ─────────────────────────────── */
.section {
  padding: 5rem 0;
}
.section--light {
  background: #f8f9fa;
}
.section--dark {
  background: #0d1117;
  color: #fff;
}
.section--accent {
  background: #1a1f2e;
  color: #fff;
}
.section__header {
  margin-bottom: 3rem;
}
.section__header.text-center {
  text-align: center;
}
.section__header:not(.text-center) {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.section__eyebrow {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #c9a84c;
  margin-bottom: 0.6rem;
}
.section--dark .section__eyebrow,
.section--accent .section__eyebrow {
  color: #c9a84c;
}
.section__title {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  margin: 0 0 0.75rem;
  color: inherit;
}
.section--light .section__title {
  color: #0d1117;
}
.section__sub {
  font-size: 1.05rem;
  color: #6b7280;
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.65;
}
.section--dark .section__sub,
.section--accent .section__sub {
  color: rgba(255,255,255,0.65);
}
.text-center {
  text-align: center;
}

/* ─── PROGRAM CARDS — 3 COLUMN ──────────────────────────────── */
.programs-section {
  background: #fff;
}
.program-cards--3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  margin-top: 2.5rem;
}
.program-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: box-shadow 0.2s, transform 0.2s;
}
.program-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.1);
  transform: translateY(-3px);
}
.program-card--featured {
  border-color: #c9a84c;
  box-shadow: 0 4px 20px rgba(201,168,76,0.15);
  position: relative;
}
.program-card--featured::before {
  content: 'Most Popular';
  position: absolute;
  top: -1px;
  right: 1.5rem;
  background: #c9a84c;
  color: #0d1117;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.25rem 0.75rem;
  border-radius: 0 0 6px 6px;
}
.program-card__icon {
  font-size: 2rem;
  line-height: 1;
}
.program-card__title {
  font-size: 1.2rem;
  font-weight: 700;
  color: #0d1117;
  margin: 0;
}
.program-card__desc {
  font-size: 0.92rem;
  color: #4b5563;
  line-height: 1.6;
  margin: 0;
}
.program-card__features {
  list-style: none;
  padding: 0;
  margin: 0.25rem 0 0.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  flex: 1;
}
.program-card__features li {
  font-size: 0.875rem;
  color: #374151;
  padding-left: 1.25rem;
  position: relative;
}
.program-card__features li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #c9a84c;
  font-weight: 700;
}
.program-card .btn {
  align-self: flex-start;
  margin-top: auto;
}
.programs-section__cta {
  margin-top: 2rem;
}
.programs-section__note {
  font-size: 0.9rem;
  color: #6b7280;
}
.programs-section__note a {
  color: #c9a84c;
  text-decoration: none;
  font-weight: 600;
}
.programs-section__note a:hover {
  text-decoration: underline;
}

/* ─── PROCESS STEPS ─────────────────────────────────────────── */
.process-section {
  background: #0d1117;
}
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 2.25rem;
  left: calc(16.66% + 1rem);
  right: calc(16.66% + 1rem);
  height: 1px;
  background: linear-gradient(90deg, #c9a84c, rgba(201,168,76,0.2), #c9a84c);
  pointer-events: none;
}
.process-step {
  text-align: center;
  padding: 1.5rem;
  position: relative;
}
.process-step__num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 3rem;
  height: 3rem;
  border-radius: 50%;
  background: #c9a84c;
  color: #0d1117;
  font-size: 0.875rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  margin-bottom: 1.25rem;
  position: relative;
  z-index: 1;
}
.process-step__title {
  font-size: 1.1rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 0.6rem;
}
.process-step__desc {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.65;
  margin: 0;
}

/* ─── STATS BAR ─────────────────────────────────────────────── */
.stats-section {
  padding: 3.5rem 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  text-align: center;
}
.stat-item__num {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: #c9a84c;
  line-height: 1;
  font-family: 'Playfair Display', Georgia, serif;
}
.stat-item__label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-top: 0.4rem;
}

/* ─── BLOG PREVIEW GRID ─────────────────────────────────────── */
.blog-preview-section {
  background: #fff;
}
.blog-preview-section .section__header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}
.blog-preview-section .section__header > div {
  flex: 1;
}
.blog-preview-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}
.blog-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.2s, transform 0.2s;
}
.blog-card:hover {
  box-shadow: 0 8px 28px rgba(0,0,0,0.09);
  transform: translateY(-3px);
}
.blog-card__img-wrap {
  display: block;
  overflow: hidden;
  aspect-ratio: 16/9;
  background: #f3f4f6;
}
.blog-card__img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s;
}
.blog-card:hover .blog-card__img {
  transform: scale(1.04);
}
.blog-card__body {
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  flex: 1;
  gap: 0.5rem;
}
.blog-card__meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
}
.blog-card__cat {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #c9a84c;
  background: rgba(201,168,76,0.1);
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
}
.blog-card__date {
  font-size: 0.78rem;
  color: #9ca3af;
}
.blog-card__title {
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.4;
  margin: 0;
}
.blog-card__title a {
  color: #0d1117;
  text-decoration: none;
}
.blog-card__title a:hover {
  color: #c9a84c;
}
.blog-card__excerpt {
  font-size: 0.875rem;
  color: #6b7280;
  line-height: 1.6;
  margin: 0;
  flex: 1;
}
.blog-card__read-more {
  font-size: 0.85rem;
  font-weight: 600;
  color: #c9a84c;
  text-decoration: none;
  margin-top: auto;
}
.blog-card__read-more:hover {
  text-decoration: underline;
}
.blog-preview__empty {
  grid-column: 1 / -1;
  text-align: center;
  padding: 3rem;
  color: #9ca3af;
  font-size: 0.95rem;
}
.blog-preview__empty a {
  color: #c9a84c;
  text-decoration: none;
  font-weight: 600;
}

/* ─── TEAM PROFILES ─────────────────────────────────────────── */
.team-section {
  background: #f8f9fa;
}
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}
.team-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 14px;
  overflow: hidden;
  display: flex;
  flex-direction: row;
  gap: 0;
  transition: box-shadow 0.2s;
}
.team-card:hover {
  box-shadow: 0 8px 28px rgba(0,0,0,0.09);
}
.team-card__photo-wrap {
  width: 180px;
  min-width: 180px;
  background: #1a1f2e;
  position: relative;
  overflow: hidden;
}
.team-card__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
}
.team-card__photo-placeholder {
  width: 100%;
  height: 100%;
  min-height: 220px;
  background: linear-gradient(135deg, #1a1f2e 0%, #2d3748 100%);
  color: #c9a84c;
  font-size: 2.5rem;
  font-weight: 800;
  font-family: 'Playfair Display', Georgia, serif;
  align-items: center;
  justify-content: center;
}
.team-card__info {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  flex: 1;
}
.team-card__name {
  font-size: 1.2rem;
  font-weight: 700;
  color: #0d1117;
  margin: 0;
}
.team-card__role {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #c9a84c;
  display: block;
}
.team-card__bio {
  font-size: 0.875rem;
  color: #4b5563;
  line-height: 1.65;
  margin: 0.25rem 0 0.5rem;
  flex: 1;
}
.team-card__ctas {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 0.5rem;
}

/* ─── CTA SECTION ───────────────────────────────────────────── */
.cta-section {
  background: #0d1117;
  padding: 5rem 0;
}
.cta-section__title {
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 700;
  color: #fff;
  margin: 0 0 1rem;
  line-height: 1.2;
}
.cta-section__sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 540px;
  margin: 0 auto 2rem;
  line-height: 1.65;
}
.cta-section__btns {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.cta-section__disclaimer {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
  margin: 0;
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE — TABLET (≤900px)
═══════════════════════════════════════════════════════════════ */
@media (max-width: 900px) {
  .program-cards--3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.25rem;
  }
  .blog-preview-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .team-grid {
    grid-template-columns: 1fr;
  }
  .process-steps::before {
    display: none;
  }
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE — MOBILE (≤768px)
═══════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .section {
    padding: 3.5rem 0;
  }
  .section__header:not(.text-center) {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }
  .section__sub {
    font-size: 0.95rem;
  }

  /* Program cards — single column on mobile */
  .program-cards--3 {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  .program-card--featured::before {
    display: none;
  }

  /* Process steps — stack vertically */
  .process-steps {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .process-step {
    text-align: left;
    display: flex;
    flex-direction: row;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 1rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .process-step:last-child {
    border-bottom: none;
  }
  .process-step__num {
    flex-shrink: 0;
    margin-bottom: 0;
  }
  .process-step__content {
    flex: 1;
  }

  /* Stats — 2 columns on mobile */
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
  }

  /* Blog preview — single column */
  .blog-preview-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  .blog-preview-section .section__header {
    flex-direction: column;
    align-items: flex-start;
  }

  /* Team cards — stack photo on top */
  .team-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  .team-card {
    flex-direction: column;
  }
  .team-card__photo-wrap {
    width: 100%;
    min-width: unset;
    height: 220px;
  }
  .team-card__photo-placeholder {
    min-height: 220px;
  }
  .team-card__ctas {
    flex-direction: column;
  }
  .team-card__ctas .btn {
    width: 100%;
    text-align: center;
  }

  /* CTA section */
  .cta-section__btns {
    flex-direction: column;
    align-items: center;
  }
  .cta-section__btns .btn {
    width: 100%;
    max-width: 320px;
  }
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE — SMALL MOBILE (≤480px)
═══════════════════════════════════════════════════════════════ */
@media (max-width: 480px) {
  .section {
    padding: 2.75rem 0;
  }
  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .stat-item__num {
    font-size: 2rem;
  }
  .program-card {
    padding: 1.5rem 1.25rem;
  }
  .team-card__info {
    padding: 1.25rem;
  }
  .blog-card__body {
    padding: 1.25rem;
  }
}
/* ═══════════════════════════════════════════════════════════
   xMortgageBroker — Luxury Brand Overrides
   Black / White / Silver / Restrained Gold — No Blue/Navy
   ═══════════════════════════════════════════════════════════ */

/* ── Kill all blue/navy anywhere ───────────────────────── */
:root {
  --color-blue:    #0a1628;  /* remap to near-black */
  --color-navy:    #111111;
  --color-primary: #c9a96e;  /* gold as primary accent */
}

/* Any element that was blue/navy → remap to dark or gold */
.btn--primary,
.btn--primary:visited {
  background: #c9a96e !important;
  color: #0a0a0a !important;
  border-color: #c9a96e !important;
}
.btn--primary:hover {
  background: #b8935a !important;
  border-color: #b8935a !important;
  color: #0a0a0a !important;
}

.btn--outline,
.btn--outline:visited {
  background: transparent !important;
  color: #fff !important;
  border: 1.5px solid rgba(255,255,255,0.5) !important;
}
.btn--outline:hover {
  background: rgba(255,255,255,0.08) !important;
  border-color: #fff !important;
  color: #fff !important;
}

.btn--outline-dark,
.btn--outline-dark:visited {
  background: transparent !important;
  color: #1a1a1a !important;
  border: 1.5px solid #1a1a1a !important;
}
.btn--outline-dark:hover {
  background: #1a1a1a !important;
  color: #fff !important;
}

/* ── Program Cards — No icons, luxury dark style ───────── */
.program-cards--3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.program-card {
  display: block;
  background: #0f0f0f;
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 4px;
  padding: 2.5rem 2rem;
  text-decoration: none;
  color: #e8e8e8;
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
  position: relative;
}

.program-card:hover {
  border-color: #c9a96e;
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.4);
  color: #e8e8e8;
  text-decoration: none;
}

.program-card h3 {
  font-size: 1.35rem;
  color: #fff;
  margin: 0 0 0.75rem;
  letter-spacing: 0.01em;
}

.program-card p {
  color: rgba(255,255,255,0.65);
  font-size: 0.92rem;
  line-height: 1.65;
  margin-bottom: 1.25rem;
}

.program-card__bullets {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1rem;
}

.program-card__bullets li {
  color: rgba(255,255,255,0.55);
  font-size: 0.85rem;
  padding: 0.3rem 0;
  padding-left: 1rem;
  position: relative;
}

.program-card__bullets li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: #c9a96e;
  font-size: 0.8rem;
}

.program-card__cta {
  color: #c9a96e;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* Remove the icon wrapper entirely */
.program-card__icon { display: none !important; }

/* ── Why XMB Cards — dark, no icons ────────────────────── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.why-card--dark {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 4px;
  padding: 2rem 1.75rem;
  transition: border-color 0.25s ease;
}

.why-card--dark:hover {
  border-color: rgba(201,169,110,0.4);
}

.why-card__num {
  font-size: 2.5rem;
  color: #c9a96e;
  opacity: 0.5;
  line-height: 1;
  margin-bottom: 0.75rem;
  font-weight: 300;
}

.why-card--dark h3 {
  color: #fff;
  font-size: 1.1rem;
  margin-bottom: 0.6rem;
}

.why-card--dark p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  line-height: 1.65;
}

/* ── Team Section ───────────────────────────────────────── */
.team.section--light {
  background: #f8f7f5;
}

.team__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2.5rem;
  max-width: 900px;
  margin: 0 auto;
}

.team-card {
  display: flex;
  gap: 2rem;
  align-items: flex-start;
  background: #fff;
  border: 1px solid #e8e4de;
  border-radius: 4px;
  padding: 2rem;
  transition: box-shadow 0.25s ease;
}

.team-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.08);
}

.team-card__photo-wrap {
  flex-shrink: 0;
  width: 100px;
  height: 100px;
}

.team-card__photo-circle {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid #e8e4de;
  display: block;
}

.team-card__body {
  flex: 1;
}

.team-card__name {
  font-size: 1.2rem;
  color: #0a0a0a;
  margin: 0 0 0.2rem;
}

.team-card__title {
  color: #888;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0 0 0.3rem;
}

.team-card__nmls {
  color: #aaa;
  font-size: 0.78rem;
  margin: 0 0 0.75rem;
}

.team-card__bio {
  color: #555;
  font-size: 0.88rem;
  line-height: 1.65;
  margin-bottom: 1rem;
}

.team-card__btns {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
}

/* ── CTA Strip ──────────────────────────────────────────── */
.cta-strip {
  background: #0a0a0a;
  padding: 5rem 0;
  border-top: 1px solid rgba(201,169,110,0.2);
}

.cta-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.cta-strip__headline {
  font-size: 2rem;
  color: #fff;
  margin: 0 0 0.5rem;
  line-height: 1.2;
}

.cta-strip__sub {
  color: rgba(255,255,255,0.55);
  font-size: 1rem;
  margin: 0;
}

.cta-strip__btns {
  display: flex;
  gap: 1rem;
  flex-shrink: 0;
}

/* ── Blog Preview Grid ──────────────────────────────────── */
.blog-preview.section--light {
  background: #f8f7f5;
}

.blog-preview__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.blog-preview-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid #e8e4de;
  border-radius: 4px;
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.25s ease, transform 0.25s ease;
}

.blog-preview-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.1);
  transform: translateY(-2px);
  text-decoration: none;
  color: inherit;
}

.blog-preview-card__img-wrap {
  width: 100%;
  aspect-ratio: 16/9;
  overflow: hidden;
  background: #e8e4de;
}

.blog-preview-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}

.blog-preview-card:hover .blog-preview-card__img-wrap img {
  transform: scale(1.03);
}

.blog-preview-card__body {
  padding: 1.5rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.blog-preview-card__date {
  color: #aaa;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
  display: block;
}

.blog-preview-card h3 {
  font-size: 1.05rem;
  color: #0a0a0a;
  margin: 0 0 0.6rem;
  line-height: 1.4;
}

.blog-preview-card p {
  color: #666;
  font-size: 0.88rem;
  line-height: 1.6;
  flex: 1;
  margin-bottom: 1rem;
}

.blog-preview-card__cta {
  color: #c9a96e;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* ── Section Header Variants ────────────────────────────── */
.section-header--split {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.section-header--center {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 3rem;
}

/* Fix white text on light sections */
.section--light .section-title,
.section--light h2,
.section--light h3 {
  color: #0a0a0a !important;
}

.section--light .section-sub,
.section--light p {
  color: #555 !important;
}

/* ── Rates Bar ──────────────────────────────────────────── */
.rates-bar {
  background: #111;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 0.75rem 0;
}

.rates-bar__inner {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.rates-bar__label {
  color: rgba(255,255,255,0.4);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  white-space: nowrap;
}

.rates-bar__items {
  display: flex;
  gap: 2rem;
  flex: 1;
}

.rate-item {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}

.rate-item__label {
  color: rgba(255,255,255,0.4);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.rate-item__value {
  color: #c9a96e;
  font-size: 1rem;
  font-weight: 600;
}

.rates-bar__link {
  color: rgba(255,255,255,0.5);
  font-size: 0.78rem;
  text-decoration: none;
  white-space: nowrap;
  transition: color 0.2s;
}

.rates-bar__link:hover { color: #c9a96e; }

.rates-bar__disclaimer {
  color: rgba(255,255,255,0.25);
  font-size: 0.7rem;
  margin: 0.4rem 0 0;
  text-align: right;
}

.rates-bar__disclaimer a {
  color: rgba(255,255,255,0.35);
  text-decoration: none;
}

.rates-bar__disclaimer a:hover { color: #c9a96e; }

/* ── Mobile Responsive ──────────────────────────────────── */
@media (max-width: 900px) {
  .program-cards--3,
  .why-grid,
  .blog-preview__grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

  .cta-strip__btns {
    justify-content: center;
  }

  .section-header--split {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 640px) {
  .program-cards--3,
  .why-grid,
  .blog-preview__grid {
    grid-template-columns: 1fr;
  }

  .team-card {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .team-card__btns {
    justify-content: center;
  }

  .rates-bar__items {
    gap: 1rem;
    flex-wrap: wrap;
  }

  .cta-strip__headline {
    font-size: 1.5rem;
  }
}


/* ══════════════════════════════════════════════════════════════
   xMB POLISH OVERRIDES — March 2026
   Fixes: program card dark/light contrast, CTA centering,
          footer newsletter line break, team photo backgrounds
══════════════════════════════════════════════════════════════ */

/* ── 1. PROGRAM CARDS — DSCR dark, others light ──────────────
   The HTML uses .program-card--featured on all 3 cards.
   We target the first (DSCR) as dark and the other two as light.
   Using :nth-child selectors on the grid container.
   ─────────────────────────────────────────────────────────── */

/* Reset all featured cards to LIGHT (white) base */
.program-cards--3 .program-card--featured {
  background: #fff !important;
  border: 1.5px solid #e8e8e8 !important;
  color: #0a0a0a !important;
  box-shadow: none !important;
}
.program-cards--3 .program-card--featured h3 {
  color: #0a0a0a !important;
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}
.program-cards--3 .program-card--featured p {
  color: #555 !important;
  font-size: 0.92rem;
  line-height: 1.7;
}
.program-cards--3 .program-card--featured .program-card__bullets li {
  color: #444 !important;
}
.program-cards--3 .program-card--featured .program-card__bullets li::before {
  color: #c9a84c !important;
}
.program-cards--3 .program-card--featured .program-card__cta {
  color: #0a0a0a !important;
  font-weight: 600;
  font-size: 0.88rem;
  letter-spacing: 0.04em;
}

/* Light card hover */
.program-cards--3 .program-card--featured:hover {
  border-color: #c9a84c !important;
  box-shadow: 0 8px 32px rgba(0,0,0,0.1) !important;
  transform: translateY(-4px) !important;
}
.program-cards--3 .program-card--featured:hover .program-card__cta {
  color: #c9a84c !important;
}

/* Remove the ::before "Most Popular" badge from ALL cards */
.program-cards--3 .program-card--featured::before {
  display: none !important;
}

/* ── DSCR card = FIRST card — make it DARK ───────────────── */
.program-cards--3 .program-card--featured:first-child {
  background: #0a0a0a !important;
  border-color: #c9a84c !important;
  color: #fff !important;
  box-shadow: 0 4px 24px rgba(201,168,76,0.18) !important;
}
.program-cards--3 .program-card--featured:first-child h3 {
  color: #fff !important;
}
.program-cards--3 .program-card--featured:first-child p {
  color: rgba(255,255,255,0.72) !important;
}
.program-cards--3 .program-card--featured:first-child .program-card__bullets li {
  color: rgba(255,255,255,0.75) !important;
  border-bottom-color: rgba(255,255,255,0.1) !important;
}
.program-cards--3 .program-card--featured:first-child .program-card__bullets li::before {
  color: #c9a84c !important;
}
.program-cards--3 .program-card--featured:first-child .program-card__cta {
  color: #c9a84c !important;
}

/* Dark card hover */
.program-cards--3 .program-card--featured:first-child:hover {
  background: #111 !important;
  border-color: #c9a84c !important;
  box-shadow: 0 12px 40px rgba(201,168,76,0.22) !important;
  transform: translateY(-4px) !important;
}
.program-cards--3 .program-card--featured:first-child:hover .program-card__cta {
  color: #e8c97a !important;
}

/* ── 2. CTA STRIP — Force full center alignment ──────────────
   ─────────────────────────────────────────────────────────── */
.cta-strip .container {
  display: flex;
  justify-content: center;
}
.cta-strip__inner {
  flex-direction: column !important;
  align-items: center !important;
  text-align: center !important;
  gap: 1.75rem !important;
  max-width: 700px;
  width: 100%;
}
.cta-strip__text {
  text-align: center;
}
.cta-strip__btns {
  justify-content: center !important;
  flex-wrap: wrap;
  gap: 1rem;
}
.cta-strip__headline {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  margin-bottom: 0.5rem;
}

/* ── 3. FOOTER — Newsletter form ABOVE the divider line ──────
   The newsletter widget already has border-top. We need the
   footer__grid to have its own top border (the divider) and
   the newsletter widget to sit cleanly above it.
   ─────────────────────────────────────────────────────────── */
.newsletter-widget--dark {
  border-top: none !important;        /* remove top border from widget */
  border-bottom: 1px solid rgba(255,255,255,0.1) !important; /* divider BELOW widget */
  padding: 40px 0 40px !important;
  margin-bottom: 40px !important;
}
.footer__grid {
  border-top: none !important;        /* remove duplicate border */
  padding-bottom: 40px !important;
  border-bottom: 1px solid #1e1e1e !important;
}

/* ── 4. TEAM PROFILE PHOTOS — clean circle, no background ───
   Remove any background color from the photo wrap container.
   ─────────────────────────────────────────────────────────── */
.team__grid .team-card__photo-wrap {
  background: transparent !important;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 160px;
  height: 160px;
  border-radius: 50%;
  overflow: hidden;
  margin: 0 auto 1.25rem;
  border: 3px solid #c9a84c;
  box-shadow: 0 4px 24px rgba(0,0,0,0.15);
}
.team__grid .team-card__photo-circle {
  width: 100% !important;
  height: 100% !important;
  border-radius: 50% !important;
  object-fit: cover !important;
  object-position: center top !important;
  border: none !important;          /* border is on the wrap now */
  box-shadow: none !important;
  display: block !important;
}

/* ── 5. GENERAL POLISH ───────────────────────────────────────
   Subtle improvements to spacing, typography, and visual weight
   ─────────────────────────────────────────────────────────── */

/* Program section background — clean white */
.programs.section {
  background: #fff !important;
}

/* Blog preview section — warm off-white */
.blog-preview.section--light {
  background: #f8f7f5 !important;
}

/* Blog card hover — gold border accent */
.blog-preview-card:hover {
  border-color: #c9a84c !important;
  box-shadow: 0 8px 32px rgba(0,0,0,0.1) !important;
  transform: translateY(-3px) !important;
}

/* Team section background */
.team.section--light {
  background: #f8f7f5 !important;
}

/* Team card subtle gold hover accent */
.team__grid .team-card:hover {
  border-color: #c9a84c !important;
  box-shadow: 0 12px 40px rgba(201,168,76,0.12) !important;
}

/* Why section cards — remove blue, use clean dark border */
.why-card--dark {
  border-color: rgba(255,255,255,0.1) !important;
}
.why-card--dark:hover {
  border-color: rgba(201,168,76,0.4) !important;
  box-shadow: 0 8px 32px rgba(0,0,0,0.3) !important;
}

/* Rates bar — clean dark */
.rates-bar {
  background: #0a0a0a !important;
  border-bottom: 1px solid #1a1a1a !important;
}

/* ── Responsive: CTA strip mobile ───────────────────────── */
@media (max-width: 768px) {
  .cta-strip__inner {
    padding: 0 1rem;
  }
}


/* ══════════════════════════════════════════════════════════════
   TEAM CARDS — Wider horizontal layout
   Photo on left, content on right. Cards fill more width.
══════════════════════════════════════════════════════════════ */

/* Grid: single column, cards span full container width */
.team__grid {
  display: flex !important;
  flex-direction: column !important;
  gap: 2rem !important;
  max-width: 860px !important;
  margin: 0 auto !important;
}

/* Card: horizontal flex — photo left, body right */
.team__grid .team-card {
  flex-direction: row !important;
  align-items: flex-start !important;
  text-align: left !important;
  padding: 2.5rem !important;
  gap: 2.5rem !important;
  width: 100% !important;
}

/* Photo wrap: fixed width, no flex-shrink */
.team__grid .team-card__photo-wrap {
  flex-shrink: 0 !important;
  width: 140px !important;
  height: 140px !important;
  margin: 0 !important;
  align-self: flex-start !important;
}

/* Body: takes remaining space, left-aligned */
.team__grid .team-card__body {
  align-items: flex-start !important;
  text-align: left !important;
  flex: 1 !important;
}

.team__grid .team-card__name {
  text-align: left !important;
  font-size: 1.4rem !important;
}
.team__grid .team-card__title {
  text-align: left !important;
}
.team__grid .team-card__nmls {
  text-align: left !important;
}
.team__grid .team-card__bio {
  text-align: left !important;
}
.team__grid .team-card__btns {
  justify-content: flex-start !important;
}

/* Responsive: stack back to vertical on mobile */
@media (max-width: 640px) {
  .team__grid {
    max-width: 100% !important;
  }
  .team__grid .team-card {
    flex-direction: column !important;
    align-items: center !important;
    text-align: center !important;
    padding: 2rem 1.5rem !important;
    gap: 1.5rem !important;
  }
  .team__grid .team-card__photo-wrap {
    margin: 0 auto !important;
  }
  .team__grid .team-card__body {
    align-items: center !important;
    text-align: center !important;
  }
  .team__grid .team-card__name,
  .team__grid .team-card__title,
  .team__grid .team-card__nmls,
  .team__grid .team-card__bio {
    text-align: center !important;
  }
  .team__grid .team-card__btns {
    justify-content: center !important;
  }
}


/* ══════════════════════════════════════════════════════════════
   TEAM CARDS — Photo circle fix + vertical alignment
   - Force equal width/height on wrap so it's a true circle
   - Vertically center the photo column with the text column
   - Zach's image: push up so face is centered (not bottom)
══════════════════════════════════════════════════════════════ */

/* Card: vertically center the photo with the body content */
.team__grid .team-card {
  align-items: center !important;
}

/* Photo wrap: enforce equal dimensions = perfect circle */
.team__grid .team-card__photo-wrap {
  width: 150px !important;
  height: 150px !important;
  min-width: 150px !important;
  min-height: 150px !important;
  max-width: 150px !important;
  max-height: 150px !important;
  border-radius: 50% !important;
  overflow: hidden !important;
  flex-shrink: 0 !important;
  align-self: center !important;
  border: 3px solid #c9a84c !important;
  box-shadow: 0 4px 20px rgba(0,0,0,0.15) !important;
  background: transparent !important;
  display: block !important;
  position: relative !important;
}

/* Photo image: fill the wrap exactly */
.team__grid .team-card__photo-circle {
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  object-position: center top !important;
  border-radius: 0 !important;
  border: none !important;
  box-shadow: none !important;
  display: block !important;
}

/* Zach's image specifically — push up from bottom so face shows */
.team__grid .team-card:nth-child(2) .team-card__photo-circle {
  object-position: center 25% !important;
}

/* ============================================================
   FAQ ACCORDION — Refined luxury style (inspired by TJM Law)
   ============================================================ */

/* Container */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 0;
}

/* Each accordion item */
.faq-item {
  background: transparent;
  border: none;
  border-bottom: 1px solid #e2ddd5;
  margin: 0;
  border-radius: 0;
}

.faq-item:first-child {
  border-top: 1px solid #e2ddd5;
}

/* Summary / Question row */
.faq-item__q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  list-style: none;
  padding: 1.25rem 1.5rem;
  font-family: var(--font-sans, 'Inter', sans-serif);
  font-size: 1rem;
  font-weight: 600;
  color: #1a1a1a;
  background: #f7f5f1;
  cursor: pointer;
  user-select: none;
  transition: background 0.2s ease, color 0.2s ease;
  letter-spacing: 0.01em;
  line-height: 1.5;
}

.faq-item__q::-webkit-details-marker { display: none; }
.faq-item__q::marker { display: none; }

/* Gold + indicator */
.faq-item__q::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: #c9a84c;
  line-height: 1;
  flex-shrink: 0;
  transition: transform 0.25s ease;
}

.faq-item[open] > .faq-item__q {
  background: #f0ece4;
  color: #0a0a0a;
}

.faq-item[open] > .faq-item__q::after {
  content: '−';
  transform: none;
}

/* Answer body */
.faq-item__a {
  background: #ffffff;
  padding: 1.25rem 1.5rem 1.5rem;
  border-top: 1px solid #e8e4dc;
}

.faq-item__a p {
  font-size: 0.9625rem;
  line-height: 1.75;
  color: #444;
  margin: 0 0 0.875rem;
}

.faq-item__a p:last-child { margin-bottom: 0; }

.faq-item__a ul,
.faq-item__a ol {
  padding-left: 1.25rem;
  margin: 0.5rem 0 0.875rem;
}

.faq-item__a li {
  font-size: 0.9625rem;
  line-height: 1.75;
  color: #444;
  margin-bottom: 0.35rem;
}

.faq-item__a a {
  color: #c9a84c;
  text-decoration: none;
  font-weight: 600;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s;
}

.faq-item__a a:hover {
  border-bottom-color: #c9a84c;
}

/* Data table inside FAQ */
.faq-item__a .data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
  margin: 0.5rem 0 0.875rem;
}

.faq-item__a .data-table th {
  background: #f0ece4;
  padding: 0.625rem 0.875rem;
  text-align: left;
  font-weight: 700;
  color: #1a1a1a;
  border-bottom: 2px solid #c9a84c;
}

.faq-item__a .data-table td {
  padding: 0.625rem 0.875rem;
  border-bottom: 1px solid #e8e4dc;
  color: #444;
}

.faq-item__a .data-table tr:last-child td { border-bottom: none; }

/* Section heading above each FAQ group */
.faq-section-heading {
  font-size: 1.5rem;
  margin-bottom: 1rem;
  padding-bottom: 0.625rem;
  border-bottom: 2px solid #c9a84c;
  color: #0a0a0a;
}

/* Sticky category nav */
.faq-cat-nav {
  background: #fff;
  border-bottom: 1px solid #e8e4dc;
  position: sticky;
  top: 70px;
  z-index: 50;
}

.faq-cat-nav__inner {
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
}

.faq-cat-nav__inner::-webkit-scrollbar { display: none; }

.faq-cat-nav__link {
  padding: 0.875rem 1.25rem;
  font-size: 0.8rem;
  font-weight: 700;
  color: #666;
  text-decoration: none;
  white-space: nowrap;
  border-bottom: 2px solid transparent;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  transition: color 0.2s, border-color 0.2s;
}

.faq-cat-nav__link:hover,
.faq-cat-nav__link.active {
  color: #c9a84c;
  border-bottom-color: #c9a84c;
}

/* FAQ page hero */
.faq-hero {
  background: #0a0a0a;
  padding: 4rem 0 3rem;
  text-align: center;
}

.faq-hero__eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #c9a84c;
  margin-bottom: 1rem;
}

.faq-hero__title {
  font-size: clamp(2rem, 4vw, 3rem);
  color: #fff;
  margin-bottom: 1rem;
  line-height: 1.15;
}

.faq-hero__sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.65);
  max-width: 600px;
  margin: 0 auto 1.75rem;
  line-height: 1.65;
}

.faq-hero__btns {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* Still have questions CTA box */
.faq-cta-box {
  background: #0a0a0a;
  color: #fff;
  border-radius: 8px;
  padding: 2.5rem 2rem;
  text-align: center;
  margin-top: 2rem;
}

.faq-cta-box__title {
  color: #fff;
  font-size: 1.5rem;
  margin-bottom: 0.625rem;
}

.faq-cta-box__sub {
  color: rgba(255,255,255,0.65);
  margin-bottom: 1.5rem;
  font-size: 0.9625rem;
  line-height: 1.65;
}

.faq-cta-box__btns {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

/* Mobile */
@media (max-width: 640px) {
  .faq-item__q {
    font-size: 0.9375rem;
    padding: 1rem 1.125rem;
  }

  .faq-item__a {
    padding: 1rem 1.125rem 1.25rem;
  }

  .faq-hero {
    padding: 3rem 0 2rem;
  }

  .faq-hero__btns {
    flex-direction: column;
    align-items: center;
  }

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

/* ============================================================
   TARGETED FIXES — FAQ + Rochester page issues
   ============================================================ */

/* 1. FAQ CTA box — override section--light h3/p color bleed */
.faq-cta-box h3,
.faq-cta-box .faq-cta-box__title {
  color: #fff !important;
}
.faq-cta-box p,
.faq-cta-box .faq-cta-box__sub {
  color: rgba(255,255,255,0.72) !important;
}

/* 2. FAQ sticky category nav — nav is 88px tall, not 70px */
.faq-cat-nav {
  top: 88px !important;
}

/* 3. Rochester hero — force white text regardless of section context */
.hero--img .hero__headline,
.hero--img h1 {
  color: #fff !important;
}
.hero--img .hero__headline--gold,
.hero--img .hero__accent {
  color: var(--accent) !important;
}
.hero--img .hero__sub {
  color: rgba(255,255,255,0.85) !important;
}
.hero--img .hero__eyebrow {
  color: var(--accent) !important;
}

/* Breadcrumb inside hero — inline pill style, no numbered list */
.hero .breadcrumb ol,
.hero--img .breadcrumb ol {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 0 1.25rem !important;
  display: flex !important;
  flex-wrap: wrap;
  gap: 0 0.4rem;
  align-items: center;
}
.hero .breadcrumb li,
.hero--img .breadcrumb li {
  display: inline-flex !important;
  align-items: center;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5) !important;
  list-style: none !important;
}
.hero .breadcrumb li + li::before,
.hero--img .breadcrumb li + li::before {
  content: '/';
  margin-right: 0.4rem;
  color: rgba(255,255,255,0.3);
}
.hero .breadcrumb a,
.hero--img .breadcrumb a {
  color: rgba(255,255,255,0.5) !important;
  text-decoration: none;
  transition: color 0.2s;
}
.hero .breadcrumb a:hover,
.hero--img .breadcrumb a:hover {
  color: var(--accent) !important;
}

/* 4. Rochester loan parameters table — proper cell padding and row borders */
.feature-box {
  background: #fff;
  border: 1px solid #e8e4dc;
  border-radius: 8px;
  padding: 1.75rem;
}
.feature-box h3 {
  font-size: 1.05rem !important;
  font-weight: 600 !important;
  color: #0a0a0a !important;
  margin-bottom: 1rem !important;
  padding-bottom: 0.625rem;
  border-bottom: 2px solid #c9a84c;
  letter-spacing: 0.03em;
}
.feature-box .data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
.feature-box .data-table td {
  padding: 0.6rem 0.75rem;
  border-bottom: 1px solid #ede9e0;
  color: #333;
  vertical-align: top;
  line-height: 1.5;
}
.feature-box .data-table td:first-child {
  width: 44%;
  font-weight: 600;
  color: #1a1a1a;
  white-space: nowrap;
}
.feature-box .data-table tr:last-child td {
  border-bottom: none;
}
.feature-box .data-table tr:hover td {
  background: #faf8f4;
}

/* feature-list (What You'll Need) */
.feature-list {
  list-style: none !important;
  padding: 0 !important;
  margin: 0;
}
.feature-list li {
  padding: 0.55rem 0 0.55rem 1.4rem;
  border-bottom: 1px solid #ede9e0;
  font-size: 0.875rem;
  color: #444;
  line-height: 1.55;
  position: relative;
}
.feature-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: #c9a84c;
  font-weight: 700;
  font-size: 0.8rem;
}
.feature-list li:last-child {
  border-bottom: none;
  font-weight: 600;
  color: #0a0a0a;
}

/* Rochester hero__btns — same as hero__ctas */
.hero--img .hero__btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 0.5rem;
}


/* == Blog Preview Cards Bulletproof Fix == */
.blog-preview__grid {
  display: grid !important;
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 2rem !important;
  align-items: stretch !important;
}
a.blog-preview-card {
  display: flex !important;
  flex-direction: column !important;
  background: #fff !important;
  border: 1px solid #e8e4de !important;
  border-radius: 6px !important;
  overflow: hidden !important;
  text-decoration: none !important;
  color: inherit !important;
}
a.blog-preview-card:hover {
  box-shadow: 0 10px 40px rgba(0,0,0,0.10) !important;
  transform: translateY(-3px) !important;
  border-color: #c9a84c !important;
}
a.blog-preview-card .blog-preview-card__img-wrap {
  width: 100% !important;
  aspect-ratio: 16/9 !important;
  overflow: hidden !important;
  flex-shrink: 0 !important;
  display: block !important;
}
a.blog-preview-card .blog-preview-card__img-wrap img {
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  display: block !important;
  transition: transform 0.4s ease !important;
}
a.blog-preview-card:hover .blog-preview-card__img-wrap img {
  transform: scale(1.04) !important;
}
a.blog-preview-card .blog-preview-card__body {
  padding: 1.5rem !important;
  flex: 1 !important;
  display: flex !important;
  flex-direction: column !important;
}
a.blog-preview-card .blog-preview-card__date {
  color: #aaa !important;
  font-size: 0.75rem !important;
  text-transform: uppercase !important;
  letter-spacing: 0.1em !important;
  margin-bottom: 0.6rem !important;
  display: block !important;
}
a.blog-preview-card h3 {
  font-size: 1.05rem !important;
  color: #0a0a0a !important;
  margin: 0 0 0.75rem !important;
  line-height: 1.45 !important;
}
a.blog-preview-card p {
  color: #666 !important;
  font-size: 0.875rem !important;
  line-height: 1.65 !important;
  flex: 1 !important;
  margin-bottom: 1.25rem !important;
}
a.blog-preview-card p a {
  color: #c9a84c !important;
  text-decoration: none !important;
}
a.blog-preview-card .blog-preview-card__cta {
  color: #c9a84c !important;
  font-size: 0.78rem !important;
  font-weight: 700 !important;
  letter-spacing: 0.08em !important;
  text-transform: uppercase !important;
  margin-top: auto !important;
}
@media (max-width: 900px) {
  .blog-preview__grid {
    grid-template-columns: repeat(2, 1fr) !important;
  }
}
@media (max-width: 580px) {
  .blog-preview__grid {
    grid-template-columns: 1fr !important;
  }
}

/* =====================================================
   BLOG CARDS — div wrapper fix (March 2026)
   ===================================================== */

/* Grid targets the div wrappers now */
.blog-preview__grid {
  display: grid !important;
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 28px !important;
  align-items: stretch !important;
}

/* Each wrapper fills its grid cell */
.blog-card-wrap {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

/* The anchor fills the wrapper and is a flex column */
.blog-card-wrap .blog-preview-card {
  display: flex !important;
  flex-direction: column !important;
  flex: 1 !important;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid #e8e4dc;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  transition: box-shadow 0.25s ease, transform 0.25s ease;
  text-decoration: none;
  color: inherit;
}

.blog-card-wrap .blog-preview-card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
  transform: translateY(-3px);
}

/* Image fills top of card */
.blog-card-wrap .blog-preview-card__img-wrap {
  width: 100%;
  height: 220px;
  overflow: hidden;
  flex-shrink: 0;
}

.blog-card-wrap .blog-preview-card__img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.blog-card-wrap .blog-preview-card:hover .blog-preview-card__img-wrap img {
  transform: scale(1.04);
}

/* Body fills remaining space */
.blog-card-wrap .blog-preview-card__body {
  display: flex;
  flex-direction: column;
  flex: 1;
  padding: 28px 28px 24px;
  gap: 10px;
}

.blog-card-wrap .blog-preview-card__date {
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #9a8c6e;
  font-weight: 500;
}

.blog-card-wrap .blog-preview-card__body h3 {
  font-size: 1.15rem;
  line-height: 1.4;
  color: #0a0a0a;
  margin: 0;
}

.blog-card-wrap .blog-preview-card__body p {
  font-size: 0.9rem;
  line-height: 1.65;
  color: #555;
  margin: 0;
  flex: 1;
}

.blog-card-wrap .blog-preview-card__cta {
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #9a8c6e;
  font-weight: 600;
  margin-top: 8px;
}

/* Mobile: single column */
@media (max-width: 768px) {
  .blog-preview__grid {
    grid-template-columns: 1fr !important;
    gap: 20px !important;
  }
}

/* Tablet: 2 columns */
@media (min-width: 769px) and (max-width: 1024px) {
  .blog-preview__grid {
    grid-template-columns: repeat(2, 1fr) !important;
  }
}


/* ============================================================
   PROGRAM CARDS — LIGHT CARD OVERRIDE (Bridge & Investment)
   Only .program-card--dark (DSCR) stays black
   ============================================================ */
.program-cards--3 .program-card:not(.program-card--dark) {
  background: #ffffff !important;
  color: #0f0f0f !important;
  border: 1px solid #e5e5e5 !important;
}
.program-cards--3 .program-card:not(.program-card--dark) .program-card__title,
.program-cards--3 .program-card:not(.program-card--dark) .program-card__label,
.program-cards--3 .program-card:not(.program-card--dark) .program-card__body,
.program-cards--3 .program-card:not(.program-card--dark) .program-card__feature {
  color: #0f0f0f !important;
}
.program-cards--3 .program-card:not(.program-card--dark) .program-card__feature::before {
  background: #0f0f0f !important;
}
.program-cards--3 .program-card:not(.program-card--dark) .program-card__cta {
  color: #b8952a !important;
}

/* ============================================================
   PROGRAM CARDS — LIGHT CARD FULL FIX v2 (Bridge & Investment)
   Targets actual HTML elements (h3, p, li) since BEM classes not used
   ============================================================ */
.program-cards--3 .program-card:not(.program-card--dark) {
  background: #ffffff !important;
  border: 1px solid #e5e5e5 !important;
}
.program-cards--3 .program-card:not(.program-card--dark) h3,
.program-cards--3 .program-card:not(.program-card--dark) h3.serif {
  color: #0f0f0f !important;
}
.program-cards--3 .program-card:not(.program-card--dark) p {
  color: rgba(15, 15, 15, 0.7) !important;
}
.program-cards--3 .program-card:not(.program-card--dark) li {
  color: rgba(15, 15, 15, 0.6) !important;
}
.program-cards--3 .program-card:not(.program-card--dark) .program-card__cta {
  color: #b8952a !important;
}

/* ============================================================
   BIO CARD — "Book a Call" outline button fix
   .btn--outline is white by default (for dark backgrounds)
   Override inside .bio-card to use dark border + dark text
   ============================================================ */
.bio-card .btn--outline {
  color: #0f0f0f !important;
  border-color: rgba(15, 15, 15, 0.4) !important;
  background: transparent !important;
}
.bio-card .btn--outline:hover {
  background: #0f0f0f !important;
  color: #ffffff !important;
  border-color: #0f0f0f !important;
}

/* ── Nav Flash Fix (prevents hamburger/close flicker on page load) ──────── */
/* nav-flash-fix */
.nav__mobile-header,
.nav__mobile-close {
  display: none !important;
}


/* ── Google Review Badge ───────────────────────────── */
.google-review-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 12px;
  border: 1px solid #e0e0e0;
  border-radius: 4px;
  background: #fff;
  text-decoration: none;
  font-size: 0.82rem;
  color: #333;
  margin-bottom: 14px;
  transition: box-shadow 0.2s ease, border-color 0.2s ease;
  width: fit-content;
}
.google-review-badge:hover {
  box-shadow: 0 2px 8px rgba(0,0,0,0.12);
  border-color: #bbb;
  color: #333;
}
.google-review-badge__stars {
  color: #FBBC05;
  font-size: 0.9rem;
  letter-spacing: 1px;
}
.google-review-badge__text {
  color: #555;
  font-size: 0.8rem;
}
.google-review-badge__text strong {
  color: #222;
  font-weight: 600;
}

/* ===== FIX: Ask Mortgage AI / btn--outline on light backgrounds ===== */
.loan-sidebar .btn--outline,
.loan-page .btn--outline,
.program-sidebar .btn--outline,
aside .btn--outline,
.sidebar .btn--outline {
  color: var(--black) !important;
  border-color: var(--black) !important;
  background: transparent !important;
}
.loan-sidebar .btn--outline:hover,
.loan-page .btn--outline:hover,
.program-sidebar .btn--outline:hover,
aside .btn--outline:hover,
.sidebar .btn--outline:hover {
  background: var(--black) !important;
  color: var(--white) !important;
}


/* KEN BURNS HERO */
@keyframes kenBurns {
  0%   { transform: scale(1.0) translate(0%,0%); }
  50%  { transform: scale(1.08) translate(-1.5%,-1%); }
  100% { transform: scale(1.12) translate(-3%,-2%); }
}
.hero--img { overflow: hidden; position: relative; }
.hero--img::before {
  content: '';
  position: absolute;
  inset: -10%;
  background-image: inherit;
  background-size: cover;
  background-position: center 30%;
  background-repeat: no-repeat;
  animation: kenBurns 18s ease-in-out infinite alternate;
  will-change: transform;
  z-index: 0;
}
.hero--img { background-image: none !important; }
.hero--img .hero__overlay { z-index: 1; }
.hero--img .hero__content, .hero--img .container { position: relative; z-index: 2; }
@media (prefers-reduced-motion: reduce) { .hero--img::before { animation: none; } }




/* ============================================================
   KEN BURNS HERO — Slow pan + zoom on homepage hero
   ============================================================ */

@keyframes kenBurns {
  0%   { transform: scale(1.0) translate(0%, 0%); }
  50%  { transform: scale(1.08) translate(-1.5%, -1%); }
  100% { transform: scale(1.12) translate(-3%, -2%); }
}

.hero--img {
  overflow: hidden;
  position: relative;
}

.hero--img::before {
  content: '';
  position: absolute;
  inset: -10%;
  background-image: url('/assets/images/hero-bg.jpg');
  background-size: cover;
  background-position: center 30%;
  background-repeat: no-repeat;
  animation: kenBurns 18s ease-in-out infinite alternate;
  will-change: transform;
  z-index: 0;
}

.hero--img .hero__overlay {
  z-index: 1;
}

.hero--img .hero__content,
.hero--img .container {
  position: relative;
  z-index: 2;
}

@media (prefers-reduced-motion: reduce) {
  .hero--img::before {
    animation: none;
  }
}
/* ============================================================
   HOMEPAGE ADDITIONS — New Section Styles
   Add to the END of style.css
   ============================================================ */

/* ── Section Eyebrow (shared) ── */
.section-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.6rem;
}
.section--dark .section-eyebrow,
.section--charcoal .section-eyebrow,
.team .section-eyebrow,
.blog-preview .section-eyebrow,
.cta-banner .section-eyebrow { color: var(--accent); }

/* ── Credibility Strip ── */
.credibility-strip {
  background: var(--charcoal);
  border-top: 1px solid #2a2a2a;
  border-bottom: 1px solid #2a2a2a;
  padding: 18px 0;
}
.credibility-strip .container {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.credibility-strip__label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--silver);
  white-space: nowrap;
  padding-right: 16px;
  border-right: 1px solid #444;
}
.credibility-strip__items {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
}
.credibility-strip__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--light-gray);
  font-weight: 500;
}
.credibility-strip__item svg {
  color: var(--accent);
  flex-shrink: 0;
}
@media (max-width: 768px) {
  .credibility-strip .container { flex-direction: column; align-items: flex-start; gap: 12px; }
  .credibility-strip__label { border-right: none; padding-right: 0; }
  .credibility-strip__items { gap: 14px; }
}

/* ── Solutions Grid (Section 3) ── */
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 2.5rem;
}
.solution-card {
  background: var(--white);
  border: 1px solid #e8e8e8;
  border-radius: 8px;
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  transition: box-shadow var(--transition), transform var(--transition);
}
.solution-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.solution-card--featured {
  border-color: var(--accent);
  box-shadow: 0 0 0 2px rgba(200,169,110,0.18);
}
.solution-card__badge {
  position: absolute;
  top: -14px;
  left: 32px;
  background: var(--accent);
  color: var(--black);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
}
.solution-card__icon {
  width: 52px;
  height: 52px;
  background: var(--off-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  flex-shrink: 0;
}
.solution-card--featured .solution-card__icon {
  background: rgba(200,169,110,0.12);
}
.solution-card__title {
  font-size: 1.3rem;
  color: var(--black);
  margin: 0;
}
.solution-card__desc {
  font-size: 0.94rem;
  color: var(--mid-gray);
  line-height: 1.65;
  margin: 0;
}
.solution-card__highlights {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}
.solution-card__highlights li {
  font-size: 0.88rem;
  color: var(--dark-gray);
  padding-left: 20px;
  position: relative;
}
.solution-card__highlights li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--accent);
  opacity: 0.7;
}
@media (max-width: 900px) {
  .solutions-grid { grid-template-columns: 1fr; max-width: 520px; margin-left: auto; margin-right: auto; }
}

/* ── Journey Grid (Section 4) ── */
.journey-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
  margin-top: 2.5rem;
}
.journey-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 8px;
  padding: 28px 22px;
  transition: background var(--transition), border-color var(--transition);
}
.journey-card:hover {
  background: rgba(255,255,255,0.07);
  border-color: rgba(200,169,110,0.3);
}
.journey-card--featured {
  border-color: rgba(200,169,110,0.5);
  background: rgba(200,169,110,0.06);
}
.journey-card__number {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--accent);
  margin-bottom: 14px;
}
.journey-card__title {
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 10px;
}
.journey-card__desc {
  font-size: 0.85rem;
  color: var(--silver);
  line-height: 1.6;
  margin: 0;
}
@media (max-width: 1024px) {
  .journey-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 640px) {
  .journey-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 400px) {
  .journey-grid { grid-template-columns: 1fr; }
}

/* ── Why Grid (Section 5) — already exists, adding section-eyebrow support ── */
.section--light .section-eyebrow { color: var(--accent); }

/* ── Case Studies Grid (Section 7) ── */
.case-studies-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 2.5rem;
}
.case-study-card {
  background: var(--white);
  border: 1px solid #e8e8e8;
  border-radius: 8px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.case-study-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}
.case-study-card__tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  background: rgba(200,169,110,0.1);
  border: 1px solid rgba(200,169,110,0.25);
  padding: 4px 12px;
  border-radius: 20px;
  width: fit-content;
}
.case-study-card__title {
  font-size: 1.1rem;
  color: var(--black);
  margin: 0;
  line-height: 1.3;
}
.case-study-card__desc {
  font-size: 0.9rem;
  color: var(--mid-gray);
  line-height: 1.65;
  margin: 0;
  flex: 1;
}
.case-study-card__details {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-top: 14px;
  border-top: 1px solid #f0f0f0;
}
.case-study-card__details span {
  font-size: 0.8rem;
  color: var(--dark-gray);
  font-weight: 500;
}
@media (max-width: 900px) {
  .case-studies-grid { grid-template-columns: 1fr; max-width: 520px; margin-left: auto; margin-right: auto; }
}

/* ── Newsletter Inline (Section 9) ── */
.newsletter-section { background: var(--off-white); }
.newsletter-inline {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  max-width: 960px;
  margin: 0 auto;
}
.newsletter-inline__text .section-title { margin-bottom: 0.75rem; }
.newsletter-inline__text p { color: var(--mid-gray); font-size: 0.95rem; }
.newsletter-inline__form .newsletter-widget__fields {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.newsletter-inline__form input {
  width: 100%;
  padding: 14px 18px;
  border: 1px solid #ddd;
  border-radius: var(--radius);
  font-size: 0.95rem;
  background: var(--white);
  color: var(--black);
  font-family: inherit;
}
.newsletter-inline__form input:focus {
  outline: none;
  border-color: var(--accent);
}
.newsletter-inline__form button {
  width: 100%;
  padding: 14px 18px;
  background: var(--accent);
  color: var(--black);
  border: none;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  cursor: pointer;
  font-family: inherit;
  transition: background var(--transition);
}
.newsletter-inline__form button:hover { background: var(--accent-dark); }
@media (max-width: 768px) {
  .newsletter-inline { grid-template-columns: 1fr; gap: 32px; }
}

/* ── Final CTA Banner (Section 10) ── */
.cta-banner {
  padding: 80px 0;
}
.cta-banner__inner {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
}
.cta-banner__title {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  color: var(--black);
  margin-bottom: 1rem;
}
.cta-banner__sub {
  font-size: 1.05rem;
  color: var(--silver);
  margin-bottom: 2.5rem;
}
.cta-banner__btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ── Team section CTA ── */
.team__cta {
  text-align: center;
  margin-top: 3rem;
}


/* ============================================================
   SEO HUB PAGE ADDITIONS — Add to END of style.css
   ============================================================ */

/* ── Hub Section ── */
.hub-section {
  margin-bottom: 3.5rem;
  padding-bottom: 3.5rem;
  border-bottom: 1px solid #efefef;
}
.hub-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}
.hub-section h2 {
  margin-bottom: 1.25rem;
  color: var(--black);
}
.hub-section h3 {
  margin-bottom: 0.85rem;
  color: var(--black);
}

/* ── Hub Callout Box ── */
.hub-callout {
  background: rgba(200,169,110,0.08);
  border-left: 4px solid var(--accent);
  border-radius: 0 6px 6px 0;
  padding: 18px 22px;
  margin: 1.75rem 0;
  font-size: 0.95rem;
  color: var(--dark-gray);
  line-height: 1.7;
}
.hub-callout strong { color: var(--black); }
.hub-callout a { color: var(--accent); text-decoration: underline; }

/* ── Hub Features Grid ── */
.hub-features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 1.75rem;
}
.hub-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.hub-feature__icon {
  width: 42px;
  height: 42px;
  background: rgba(200,169,110,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}
.hub-feature h4 {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 6px;
}
.hub-feature p {
  font-size: 0.88rem;
  color: var(--mid-gray);
  line-height: 1.6;
  margin: 0;
}
@media (max-width: 640px) {
  .hub-features-grid { grid-template-columns: 1fr; }
}

/* ── Hub Table ── */
.hub-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.92rem;
}
.hub-table thead tr {
  background: var(--black);
  color: var(--white);
}
.hub-table thead th {
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.hub-table tbody tr {
  border-bottom: 1px solid #efefef;
  transition: background var(--transition);
}
.hub-table tbody tr:hover { background: #fafafa; }
.hub-table tbody td {
  padding: 12px 16px;
  color: var(--dark-gray);
  vertical-align: top;
}
.hub-table tbody td:first-child { color: var(--black); font-weight: 500; }

/* ── Hub Checklist ── */
.hub-checklist {
  list-style: none;
  padding: 0;
  margin: 1rem 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.hub-checklist li {
  padding-left: 28px;
  position: relative;
  font-size: 0.95rem;
  color: var(--dark-gray);
  line-height: 1.6;
}
.hub-checklist li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--accent);
  opacity: 0.75;
}
.hub-checklist li strong { color: var(--black); }

/* ── Hub Steps ── */
.hub-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 1.5rem;
  position: relative;
}
.hub-steps::before {
  content: '';
  position: absolute;
  left: 28px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--accent), transparent);
  opacity: 0.3;
}
.hub-step {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  padding: 24px 0;
  border-bottom: 1px solid #f0f0f0;
}
.hub-step:last-child { border-bottom: none; }
.hub-step--featured {
  background: rgba(200,169,110,0.04);
  border-radius: 8px;
  padding: 24px;
  margin: 8px 0;
  border: 1px solid rgba(200,169,110,0.2);
}
.hub-step__num {
  width: 56px;
  height: 56px;
  background: var(--black);
  color: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  flex-shrink: 0;
  font-family: 'DM Sans', sans-serif;
}
.hub-step--featured .hub-step__num {
  background: var(--accent);
  color: var(--black);
}
.hub-step__body h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 8px;
}
.hub-step__body p {
  font-size: 0.92rem;
  color: var(--mid-gray);
  line-height: 1.65;
  margin-bottom: 0.5rem;
}
.hub-step__body p:last-child { margin-bottom: 0; }

/* ── Hub Nav Grid (sub-page links) ── */
.hub-nav-section {
  background: var(--off-white);
  border-radius: 12px;
  padding: 36px;
  margin-top: 1rem;
  border: none;
}
.hub-nav-section h2 { margin-bottom: 0.75rem; }
.hub-nav-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 1.5rem;
}
.hub-nav-card {
  background: var(--white);
  border: 1px solid #e4e4e4;
  border-radius: 8px;
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: box-shadow var(--transition), border-color var(--transition), transform var(--transition);
  text-decoration: none;
}
.hub-nav-card:hover {
  box-shadow: var(--shadow);
  border-color: var(--accent);
  transform: translateY(-2px);
}
.hub-nav-card--accent {
  border-color: rgba(200,169,110,0.4);
  background: rgba(200,169,110,0.04);
}
.hub-nav-card h4 {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--black);
  margin: 0;
}
.hub-nav-card p {
  font-size: 0.84rem;
  color: var(--mid-gray);
  line-height: 1.55;
  margin: 0;
  flex: 1;
}
.hub-nav-card__cta {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 0.04em;
}
@media (max-width: 640px) {
  .hub-nav-grid { grid-template-columns: 1fr; }
  .hub-nav-section { padding: 24px 20px; }
}

/* ── Sidebar Steps (Wealth Cycle) ── */
.loan-sidebar-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  counter-reset: sidebar-step;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.loan-sidebar-steps li {
  counter-increment: sidebar-step;
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.88rem;
  color: var(--dark-gray);
}
.loan-sidebar-steps li::before {
  content: counter(sidebar-step);
  width: 26px;
  height: 26px;
  background: var(--accent);
  color: var(--black);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.72rem;
  font-weight: 700;
  flex-shrink: 0;
}

/* ── Responsive: Hub page main column ── */
@media (max-width: 900px) {
  .hub-features-grid { grid-template-columns: 1fr; }
  .hub-steps::before { display: none; }
}


/* ═══════════════════════════════════════════════════════════════
   HUB PAGE LAYOUT — Aliases and missing classes for hub pages
   (dscr-loans.php, 1031-exchange-hub.php, etc.)
   ═══════════════════════════════════════════════════════════════ */

/* loan-details__layout is an alias for the loan-details grid */
.loan-details__layout {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 64px;
  align-items: start;
}

/* loan-details__main is the main content column */
.loan-details__main {
  min-width: 0;
}

/* ── Sidebar Box ── */
.loan-sidebar-box {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 28px;
  margin-bottom: 24px;
}
.loan-sidebar-box:last-child { margin-bottom: 0; }
.loan-sidebar-box__title {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--mid-gray);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid #e0e0e0;
}

/* ── Sidebar DL (key-value pairs) ── */
.loan-sidebar-box__dl { margin: 0 0 20px; overflow: hidden; }
.loan-sidebar-box__dl dt {
  float: left;
  clear: left;
  width: 55%;
  padding: 7px 0;
  border-bottom: 1px solid #ebebeb;
  font-size: 0.88rem;
  color: var(--mid-gray);
}
.loan-sidebar-box__dl dd {
  float: right;
  width: 45%;
  text-align: right;
  font-weight: 600;
  color: var(--black);
  padding: 7px 0;
  border-bottom: 1px solid #ebebeb;
  margin: 0;
  font-size: 0.88rem;
}
.loan-sidebar-box__dl dt:last-of-type,
.loan-sidebar-box__dl dd:last-of-type { border-bottom: none; }

/* ── Sidebar LTV Row (standalone block to avoid float/overflow clipping) ── */
.sidebar-ltv-row {
  display: block;
  padding: 7px 0 10px;
  border-bottom: 1px solid #ebebeb;
  margin-bottom: 0;
}
.sidebar-ltv-row__label {
  font-size: 0.88rem;
  color: var(--mid-gray);
  display: block;
  margin-bottom: 3px;
}
.sidebar-ltv-row__value {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.sidebar-ltv-row__standard {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--black);
}

/* ── Sidebar LTV Lead Magnet Pill ── */
.sidebar-ltv-magnet {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 0;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--accent);
  text-decoration: none;
  border: 1px solid var(--accent);
  border-radius: 3px;
  padding: 3px 10px;
  transition: background var(--transition), color var(--transition);
  letter-spacing: 0.2px;
}
.sidebar-ltv-magnet:hover {
  background: var(--accent);
  color: var(--black);
}

/* ── Sidebar Team Members ── */
.loan-sidebar-team { display: flex; flex-direction: column; gap: 16px; }
.loan-sidebar-team__member { display: flex; align-items: flex-start; gap: 12px; flex-wrap: wrap; }
.loan-sidebar-team__member img {
  width: 52px; height: 52px;
  border-radius: 50%; object-fit: cover; flex-shrink: 0;
}
.loan-sidebar-team__member div { display: flex; flex-direction: column; gap: 2px; }
.loan-sidebar-team__member strong { font-size: 0.9rem; font-weight: 600; color: var(--black); display: block; }
.loan-sidebar-team__member span { font-size: 0.78rem; color: var(--mid-gray); display: block; }
.loan-sidebar-team__member a { font-size: 0.82rem; color: var(--accent); font-weight: 500; }
.loan-sidebar-team__member a:hover { color: var(--accent-dark); }

/* ── Team card: old h4/p/a structure support ── */
.loan-sidebar-team__member h4 { font-size: 0.9rem; font-weight: 600; color: var(--black); margin: 0 0 2px; flex-basis: 100%; }
.loan-sidebar-team__member p { font-size: 0.78rem; color: var(--mid-gray); margin: 0 0 4px; flex-basis: 100%; }
.loan-sidebar-team__member > a { font-size: 0.82rem; color: var(--accent); font-weight: 500; flex-basis: 100%; }
.loan-sidebar-team__member > a:hover { color: var(--accent-dark); }
.loan-sidebar-team__photo { width: 52px !important; height: 52px !important; border-radius: 50% !important; object-fit: cover !important; flex-shrink: 0 !important; align-self: flex-start; }


/* ── Sidebar Links List ── */
.loan-sidebar-links { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 6px; }
.loan-sidebar-links li a { font-size: 0.85rem; color: var(--dark-gray); display: flex; align-items: center; gap: 6px; padding: 4px 0; transition: color var(--transition); }
.loan-sidebar-links li a:hover { color: var(--accent); }

/* ── btn--block ── */
.btn--block { display: block; width: 100%; text-align: center; }

/* ── Snapshot callout box ── */
.hub-snapshot-callout {
  background: var(--off-white);
  border: 1px solid #e0e0e0;
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-bottom: 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.hub-snapshot-callout p { margin: 0; font-size: 0.92rem; color: var(--dark-gray); }
.hub-snapshot-callout a { font-size: 0.88rem; font-weight: 600; color: var(--accent); white-space: nowrap; }
.hub-snapshot-callout a:hover { color: var(--accent-dark); }

/* ── Mobile overrides for hub layout ── */
@media (max-width: 960px) {
  .loan-details__layout { grid-template-columns: 1fr; gap: 40px; }
  .loan-details__sidebar { position: static !important; top: auto !important; }
}
@media (max-width: 768px) {
  .loan-sidebar-box { padding: 20px; }
  .loan-sidebar-box__dl dt, .loan-sidebar-box__dl dd { font-size: 0.85rem; }
  .hub-snapshot-callout { flex-direction: column; align-items: flex-start; }
}

/* Sub-page section wrapper */
.loan-details-section {
  padding: var(--section-pad);
  background: var(--white);
}

/* ── Sidebar Team Card (Option B: compact avatar) ─────────────────── */
.loan-sidebar-team {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.loan-sidebar-team__member {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 12px;
}
.loan-sidebar-team__member img {
  width: 52px !important;
  height: 52px !important;
  min-width: 52px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top center;
  /* override any inline styles */
  margin-bottom: 0 !important;
  border-radius: 50% !important;
}
.loan-sidebar-team__member div,
.loan-sidebar-team__member > *:not(img) {
  display: flex;
  flex-direction: column;
  gap: 2px;
  flex: 1;
  min-width: 0;
}
.loan-sidebar-team__member strong {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-dark, #1a1a1a);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.loan-sidebar-team__member span {
  font-size: 0.75rem;
  color: #666;
  line-height: 1.3;
}
.loan-sidebar-team__member a {
  font-size: 0.75rem;
  color: var(--color-gold, #b8973a);
  text-decoration: none;
  font-weight: 600;
  margin-top: 4px;
}
.loan-sidebar-team__member a:hover {
  text-decoration: underline;
}
/* Handle old h4/p/a structure (no div wrapper) */
.loan-sidebar-team__member h4 {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-dark, #1a1a1a);
  margin: 0;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.loan-sidebar-team__member p {
  font-size: 0.75rem;
  color: #666;
  margin: 0;
  line-height: 1.3;
}


/* ===== SIDEBAR GLANCE BOX - GRID DT/DD LAYOUT ===== */
.loan-sidebar-box dl {
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 8px;
  row-gap: 3px;
  align-items: baseline;
}
.loan-sidebar-box dl dt {
  white-space: nowrap;
  font-size: 0.78rem;
  color: var(--text-muted, #666);
  font-weight: 500;
  padding-right: 6px;
}
.loan-sidebar-box dl dd {
  font-size: 0.82rem;
  font-weight: 600;
  text-align: right;
  margin: 0;
}

.loan-sidebar-box dt {
  font-size: 0.75rem;
  color: #777;
  line-height: 1.3;
  padding: 2px 0;
}
.loan-sidebar-box dd {
  font-size: 0.82rem;
  font-weight: 700;
  color: #1a1a1a;
  text-align: right;
  padding: 2px 0;
  white-space: nowrap;
  margin: 0;
}
.loan-sidebar-box .sidebar-divider {
  grid-column: 1 / -1;
  border: none;
  border-top: 1px solid #eee;
  margin: 4px 0;
}

/* ===== TEAM CARD - COMPACT AVATAR STYLE ===== */
.loan-sidebar-team__member {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid #f0f0f0;
}
.loan-sidebar-team__member:last-child {
  border-bottom: none;
}
.loan-sidebar-team__member img {
  width: 48px !important;
  height: 48px !important;
  min-width: 48px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}
.loan-sidebar-team__member > div,
.loan-sidebar-team__member-info {
  display: flex;
  flex-direction: column;
  gap: 2px;
  flex: 1;
  min-width: 0;
}
.loan-sidebar-team__member strong,
.loan-sidebar-team__member h4 {
  font-size: 0.85rem;
  font-weight: 600;
  color: #1a1a1a;
  margin: 0;
  line-height: 1.2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.loan-sidebar-team__member span,
.loan-sidebar-team__member p {
  font-size: 0.72rem;
  color: #666;
  margin: 0;
  line-height: 1.3;
}
.loan-sidebar-team__member a {
  font-size: 0.75rem;
  color: var(--gold);
  font-weight: 600;
  text-decoration: none;
  margin-top: 2px;
}
.loan-sidebar-team__member a:hover {
  text-decoration: underline;
}


/* ═══════════════════════════════════════════════════════════════
   SIDEBAR DEFINITIVE FIX — March 2026
   Fixes: DL truncation + team card layout
   ═══════════════════════════════════════════════════════════════ */

/* ── 1. DL KEY/VALUE PAIRS — prevent truncation ── */
.loan-sidebar-box dl,
.loan-sidebar-box__dl {
  display: grid !important;
  grid-template-columns: 1fr auto !important;
  column-gap: 12px !important;
  row-gap: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  overflow: visible !important;
  float: none !important;
}

.loan-sidebar-box dl dt,
.loan-sidebar-box__dl dt {
  float: none !important;
  clear: none !important;
  width: auto !important;
  padding: 7px 0 !important;
  border-bottom: 1px solid #ebebeb !important;
  font-size: 0.82rem !important;
  color: var(--mid-gray) !important;
  white-space: normal !important;
  align-self: center;
}

.loan-sidebar-box dl dd,
.loan-sidebar-box__dl dd {
  float: none !important;
  width: auto !important;
  text-align: right !important;
  font-weight: 600 !important;
  color: var(--black) !important;
  padding: 7px 0 !important;
  border-bottom: 1px solid #ebebeb !important;
  margin: 0 !important;
  font-size: 0.82rem !important;
  white-space: nowrap !important;
  align-self: center;
}

.loan-sidebar-box dl dt:last-of-type,
.loan-sidebar-box dl dd:last-of-type,
.loan-sidebar-box__dl dt:last-of-type,
.loan-sidebar-box__dl dd:last-of-type {
  border-bottom: none !important;
}

/* ── 2. TEAM MEMBER CARDS — clean horizontal layout ── */
.loan-sidebar-team {
  display: flex !important;
  flex-direction: column !important;
  gap: 0 !important;
}

.loan-sidebar-team__member {
  display: flex !important;
  flex-direction: row !important;
  align-items: center !important;
  flex-wrap: nowrap !important;
  gap: 10px !important;
  padding: 12px 0 !important;
  border-bottom: 1px solid #f0f0f0 !important;
}

.loan-sidebar-team__member:last-child {
  border-bottom: none !important;
}

.loan-sidebar-team__member img,
.loan-sidebar-team__photo {
  width: 44px !important;
  height: 44px !important;
  min-width: 44px !important;
  max-width: 44px !important;
  border-radius: 50% !important;
  object-fit: cover !important;
  object-position: center top !important;
  flex-shrink: 0 !important;
  display: block !important;
}

.loan-sidebar-team__member > div,
.loan-sidebar-team__member-info {
  display: flex !important;
  flex-direction: column !important;
  gap: 1px !important;
  flex: 1 !important;
  min-width: 0 !important;
  overflow: hidden !important;
}

.loan-sidebar-team__member strong,
.loan-sidebar-team__member h4 {
  font-size: 0.85rem !important;
  font-weight: 600 !important;
  color: #1a1a1a !important;
  margin: 0 !important;
  line-height: 1.25 !important;
  white-space: nowrap !important;
  overflow: hidden !important;
  text-overflow: ellipsis !important;
  display: block !important;
}

.loan-sidebar-team__member span,
.loan-sidebar-team__member p {
  font-size: 0.72rem !important;
  color: #666 !important;
  margin: 0 !important;
  line-height: 1.3 !important;
  white-space: nowrap !important;
  overflow: hidden !important;
  text-overflow: ellipsis !important;
  display: block !important;
}

.loan-sidebar-team__member a,
.loan-sidebar-team__member > a {
  font-size: 0.75rem !important;
  color: var(--accent, #c8a96e) !important;
  font-weight: 600 !important;
  text-decoration: none !important;
  margin-top: 3px !important;
  display: inline-block !important;
  flex-basis: auto !important;
  flex-shrink: 0 !important;
}

.loan-sidebar-team__member a:hover,
.loan-sidebar-team__member > a:hover {
  text-decoration: underline !important;
  color: var(--accent-dark, #a8893e) !important;
}

/* ═══════════════════════════════════════════════════════════════
   SIDEBAR DEFINITIVE FIX — March 2026
   Fixes: DL truncation + team card layout
   ═══════════════════════════════════════════════════════════════ */

/* ── 1. DL KEY/VALUE PAIRS — prevent truncation ── */
.loan-sidebar-box dl,
.loan-sidebar-box__dl {
  display: grid !important;
  grid-template-columns: 1fr auto !important;
  column-gap: 12px !important;
  row-gap: 0 !important;
  margin: 0 !important;
  padding: 0 !important;
  overflow: visible !important;
  float: none !important;
}

.loan-sidebar-box dl dt,
.loan-sidebar-box__dl dt {
  float: none !important;
  clear: none !important;
  width: auto !important;
  padding: 7px 0 !important;
  border-bottom: 1px solid #ebebeb !important;
  font-size: 0.82rem !important;
  color: var(--mid-gray) !important;
  white-space: normal !important;
  align-self: center;
}

.loan-sidebar-box dl dd,
.loan-sidebar-box__dl dd {
  float: none !important;
  width: auto !important;
  text-align: right !important;
  font-weight: 600 !important;
  color: var(--black) !important;
  padding: 7px 0 !important;
  border-bottom: 1px solid #ebebeb !important;
  margin: 0 !important;
  font-size: 0.82rem !important;
  white-space: nowrap !important;
  align-self: center;
}

.loan-sidebar-box dl dt:last-of-type,
.loan-sidebar-box dl dd:last-of-type,
.loan-sidebar-box__dl dt:last-of-type,
.loan-sidebar-box__dl dd:last-of-type {
  border-bottom: none !important;
}

/* ── 2. TEAM MEMBER CARDS — clean horizontal layout ── */
.loan-sidebar-team {
  display: flex !important;
  flex-direction: column !important;
  gap: 0 !important;
}

.loan-sidebar-team__member {
  display: flex !important;
  flex-direction: row !important;
  align-items: center !important;
  flex-wrap: nowrap !important;
  gap: 10px !important;
  padding: 12px 0 !important;
  border-bottom: 1px solid #f0f0f0 !important;
}

.loan-sidebar-team__member:last-child {
  border-bottom: none !important;
}

.loan-sidebar-team__member img,
.loan-sidebar-team__photo {
  width: 44px !important;
  height: 44px !important;
  min-width: 44px !important;
  max-width: 44px !important;
  border-radius: 50% !important;
  object-fit: cover !important;
  object-position: center top !important;
  flex-shrink: 0 !important;
  display: block !important;
}

.loan-sidebar-team__member > div,
.loan-sidebar-team__member-info {
  display: flex !important;
  flex-direction: column !important;
  gap: 1px !important;
  flex: 1 !important;
  min-width: 0 !important;
  overflow: hidden !important;
}

.loan-sidebar-team__member strong,
.loan-sidebar-team__member h4 {
  font-size: 0.85rem !important;
  font-weight: 600 !important;
  color: #1a1a1a !important;
  margin: 0 !important;
  line-height: 1.25 !important;
  white-space: nowrap !important;
  overflow: hidden !important;
  text-overflow: ellipsis !important;
  display: block !important;
}

.loan-sidebar-team__member span,
.loan-sidebar-team__member p {
  font-size: 0.72rem !important;
  color: #666 !important;
  margin: 0 !important;
  line-height: 1.3 !important;
  white-space: nowrap !important;
  overflow: hidden !important;
  text-overflow: ellipsis !important;
  display: block !important;
}

.loan-sidebar-team__member a,
.loan-sidebar-team__member > a {
  font-size: 0.75rem !important;
  color: var(--accent, #c8a96e) !important;
  font-weight: 600 !important;
  text-decoration: none !important;
  margin-top: 3px !important;
  display: inline-block !important;
  flex-basis: auto !important;
  flex-shrink: 0 !important;
}

.loan-sidebar-team__member a:hover,
.loan-sidebar-team__member > a:hover {
  text-decoration: underline !important;
  color: var(--accent-dark, #a8893e) !important;
}


/* ============================================================
   1031 EXCHANGE SIDEBAR — TEAM & OTHER PROGRAMS
   Matches the DSCR dscr-page-template.php sidebar styles
   ============================================================ */

.loan-sidebar-team { margin-top: 28px; padding-top: 24px; border-top: 1px solid #e0e0e0; }
.loan-sidebar-team > p { font-size: 0.78rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--silver); margin-bottom: 16px; }
.loan-sidebar-team-member { margin-bottom: 16px; display: flex; align-items: center; gap: 14px; }
.loan-sidebar-team-member__photo {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  background: #e0e0e0;
}
.loan-sidebar-team-member__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.loan-sidebar-team-member__info { display: flex; flex-direction: column; gap: 2px; }
.loan-sidebar-team-member strong { display: block; font-size: 0.88rem; font-weight: 600; }
.loan-sidebar-team-member span { font-size: 0.8rem; color: var(--mid-gray); display: block; }
.loan-sidebar-team-member a { font-size: 0.82rem; color: var(--accent); text-decoration: none; }
.loan-sidebar-team-member a:hover { text-decoration: underline; }

.loan-sidebar-other {
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid #e0e0e0;
}
.loan-sidebar-other__label {
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--silver);
    margin-bottom: 12px;
}
.loan-sidebar-other ul {
    list-style: none;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 6px;
}
.loan-sidebar-other ul a {
    font-size: 0.85rem;
    color: var(--dark-gray);
    display: flex;
    align-items: center;
    gap: 6px;
    text-decoration: none;
}
.loan-sidebar-other ul a:hover { color: var(--accent); }
.loan-sidebar-other ul a span { color: var(--silver); }

/* ============================================================
   FIX: Hero spacing + Sidebar DL overflow
   Applied: 2026-03-08
   ============================================================ */

/* 1. Reduce hero section padding — was 100px top / 80px bottom */
.loan-hero {
  padding-top: 56px !important;
  padding-bottom: 56px !important;
}

/* 2. Fix sidebar DL grid overflow — value column was fixed-width and overflowing */
.loan-sidebar-box__dl {
  display: grid !important;
  grid-template-columns: auto 1fr !important;
  gap: 6px 12px !important;
  width: 100% !important;
  overflow: hidden !important;
  box-sizing: border-box !important;
}

.loan-sidebar-box__dl dt {
  font-size: 0.78rem !important;
  color: #666 !important;
  white-space: nowrap !important;
  align-self: center !important;
}

.loan-sidebar-box__dl dd {
  font-size: 0.85rem !important;
  font-weight: 600 !important;
  color: #1a1a1a !important;
  text-align: right !important;
  white-space: nowrap !important;
  overflow: hidden !important;
  text-overflow: ellipsis !important;
  align-self: center !important;
  margin: 0 !important;
}

/* 3. Ensure sidebar box itself doesn't overflow */
.loan-sidebar-box {
  overflow: hidden !important;
  box-sizing: border-box !important;
}

/* 4. Ensure the aside sidebar container clips content */
.loan-details__sidebar {
  overflow: hidden !important;
  min-width: 0 !important;
}

/* FIX: sidebar DL stats - allow value text to wrap properly */
.loan-sidebar-box .loan-sidebar-box__dl {
  grid-template-columns: auto 1fr !important;
}
.loan-sidebar-box .loan-sidebar-box__dl dt {
  white-space: nowrap !important;
  font-size: 0.75rem !important;
  color: #888 !important;
  font-weight: 400 !important;
  padding-right: 8px !important;
}
.loan-sidebar-box .loan-sidebar-box__dl dd {
  white-space: normal !important;
  overflow: visible !important;
  text-overflow: clip !important;
  word-break: break-word !important;
  font-size: 0.82rem !important;
  font-weight: 600 !important;
  color: #1a1a1a !important;
  text-align: left !important;
  margin: 0 !important;
}

/* FIX: center the loan-details container on all 1031 and DSCR pages */
.loan-details .container,
.loan-details-section .container {
  margin-left: auto !important;
  margin-right: auto !important;
}

/* FIX: loan-details section uses display:grid which prevents margin:auto centering on child container */
section.loan-details,
section.loan-details-section {
  display: block !important;
}