/* ============================================================
   TRUE EQUITY LINE — DESIGN SYSTEM
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;500;600;700&family=Inter:wght@300;400;500;600;700&display=swap');

/* ─── CSS VARIABLES ─────────────────────────────────────── */
:root {
  --navy:        #0A1628;
  --navy-light:  #112240;
  --navy-mid:    #1B3A6B;
  --gold:        #C9A84C;
  --gold-light:  #E2C97A;
  --gold-dark:   #A8863A;
  --blue:        #1A73E8;
  --blue-dark:   #1558C0;
  --white:       #FFFFFF;
  --off-white:   #F8F9FA;
  --gray-100:    #F1F3F5;
  --gray-200:    #E9ECEF;
  --gray-300:    #DEE2E6;
  --gray-500:    #ADB5BD;
  --gray-600:    #6B7280;
  --gray-800:    #343A40;
  --text:        #1C1C1E;
  --green:       #16A34A;
  --red:         #DC2626;

  --font-serif:  'Playfair Display', Georgia, serif;
  --font-sans:   'Inter', system-ui, sans-serif;

  --radius-sm:   4px;
  --radius:      8px;
  --radius-lg:   16px;
  --radius-xl:   24px;

  --shadow-sm:   0 1px 3px rgba(10,22,40,.08), 0 1px 2px rgba(10,22,40,.04);
  --shadow:      0 4px 16px rgba(10,22,40,.10), 0 2px 6px rgba(10,22,40,.06);
  --shadow-lg:   0 12px 40px rgba(10,22,40,.14), 0 4px 12px rgba(10,22,40,.08);
  --shadow-xl:   0 24px 64px rgba(10,22,40,.18);
  --shadow-gold: 0 8px 32px rgba(201,168,76,.25);

  --transition:  all .25s cubic-bezier(.4,0,.2,1);
  --transition-slow: all .45s cubic-bezier(.4,0,.2,1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }
ul, ol { list-style: none; }

/* ─── TYPOGRAPHY ─────────────────────────────────────────── */
h1, h2, h3 { font-family: var(--font-serif); line-height: 1.2; letter-spacing: -.01em; }
h4, h5, h6 { font-family: var(--font-sans); font-weight: 600; }

h1 { font-size: clamp(2.25rem, 5vw, 3.75rem); }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.875rem); }
h4 { font-size: 1.125rem; }
h5 { font-size: 1rem; }

p { max-width: 68ch; }

.text-gold    { color: var(--gold); }
.text-navy    { color: var(--navy); }
.text-blue    { color: var(--blue); }
.text-white   { color: var(--white); }
.text-muted   { color: var(--gray-600); }
.text-center  { text-align: center; }
.text-left    { text-align: left; }

/* ─── LAYOUT ─────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-wide {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 40px;
}

.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-lg { padding: 128px 0; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }

/* ─── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  font-size: .9375rem;
  font-weight: 600;
  font-family: var(--font-sans);
  border-radius: var(--radius);
  transition: var(--transition);
  white-space: nowrap;
  letter-spacing: .01em;
  position: relative;
  overflow: hidden;
}

.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,.12);
  opacity: 0;
  transition: opacity .2s;
}
.btn:hover::after { opacity: 1; }

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(201,168,76,.35);
}
.btn-primary:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

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

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

.btn-outline-white {
  border: 2px solid rgba(255,255,255,.6);
  color: var(--white);
  background: transparent;
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}

.btn-sm { padding: 10px 22px; font-size: .875rem; }
.btn-lg { padding: 18px 44px; font-size: 1.0625rem; }

/* ─── HEADER ANNOUNCEMENT BANNER ────────────────────────── */
#site-banner {
  background: var(--gold);
  color: var(--navy);
  text-align: center;
  padding: 10px 24px;
  font-size: .875rem;
  font-weight: 600;
  position: relative;
  z-index: 200;
}
#site-banner a { text-decoration: underline; }
#site-banner .banner-close {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  cursor: pointer;
  font-size: 18px;
  opacity: .7;
}
#site-banner .banner-close:hover { opacity: 1; }

/* ─── NAVIGATION ─────────────────────────────────────────── */
#main-nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(10, 22, 40, 0.0);
  backdrop-filter: blur(0px);
  transition: background .35s ease, backdrop-filter .35s ease, box-shadow .35s ease;
  padding: 0;
}

#main-nav.scrolled {
  background: rgba(10, 22, 40, 0.97);
  backdrop-filter: blur(20px);
  box-shadow: 0 2px 24px rgba(0,0,0,.3);
}

#main-nav.banner-offset { top: 40px; }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-logo img { height: 44px; width: auto; }
.nav-logo-text { font-family: var(--font-serif); font-size: 1.25rem; color: var(--white); line-height: 1.1; }
.nav-logo-text span { display: block; font-size: .65rem; color: var(--gold); font-family: var(--font-sans); font-weight: 500; letter-spacing: .08em; text-transform: uppercase; }

.nav-menu { display: flex; align-items: center; gap: 4px; }

.nav-item { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 10px 14px;
  color: rgba(255,255,255,.88);
  font-size: .875rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover { color: var(--gold); background: rgba(255,255,255,.05); }
.nav-link svg { width: 14px; height: 14px; transition: transform .2s; }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 8px;
  min-width: 240px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  border: 1px solid var(--gray-200);
}
.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 16px;
  color: var(--text);
  font-size: .875rem;
  border-radius: var(--radius);
  transition: var(--transition);
}
.dropdown a:hover { background: var(--off-white); color: var(--blue); }
.dropdown a .dd-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: var(--off-white);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  color: var(--navy);
  transition: var(--transition);
}
.dropdown a:hover .dd-icon { background: var(--navy); color: var(--gold); }
.dropdown-divider { height: 1px; background: var(--gray-200); margin: 6px 8px; }

.nav-actions { display: flex; align-items: center; gap: 10px; }

/* Mobile toggle */
.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ─── HERO ───────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--navy);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-image: url('../images/hero/img-hero-01.jpg');
  opacity: 0.22;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(10,22,40,.92) 55%, rgba(10,22,40,.5) 100%);
}

.hero-particles {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 140px 0 80px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold);
  font-size: .8125rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.hero h1 { color: var(--white); margin-bottom: 24px; }
.hero h1 em { font-style: normal; color: var(--gold); }

.hero-subtitle {
  color: rgba(255,255,255,.72);
  font-size: 1.125rem;
  margin-bottom: 44px;
  max-width: 54ch;
  line-height: 1.7;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-stats {
  display: flex;
  gap: 48px;
  margin-top: 64px;
  padding-top: 48px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.hero-stat-number {
  font-family: var(--font-serif);
  font-size: 2.25rem;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.hero-stat-number span { color: var(--gold); }
.hero-stat-label { color: rgba(255,255,255,.55); font-size: .8125rem; text-transform: uppercase; letter-spacing: .08em; }

/* Hero scroll indicator */
.hero-scroll {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.4);
  font-size: .75rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  animation: bounce 2s ease-in-out infinite;
}
.scroll-mouse {
  width: 24px;
  height: 38px;
  border: 2px solid rgba(255,255,255,.25);
  border-radius: 12px;
  position: relative;
}
.scroll-mouse::after {
  content: '';
  position: absolute;
  top: 6px;
  left: 50%;
  transform: translateX(-50%);
  width: 3px;
  height: 8px;
  background: var(--gold);
  border-radius: 2px;
  animation: scroll-dot 1.8s ease-in-out infinite;
}

/* ─── SECTION HEADERS ────────────────────────────────────── */
.section-header { margin-bottom: 64px; }
.section-header.centered { text-align: center; }
.section-header.centered p { margin: 0 auto; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.section-label::before {
  content: '';
  display: block;
  width: 24px;
  height: 1px;
  background: var(--gold);
}

.section-header h2 { color: var(--navy); margin-bottom: 16px; }
.section-header p { color: var(--gray-600); font-size: 1.0625rem; line-height: 1.7; }

/* ─── LOAN PRODUCT CARDS ─────────────────────────────────── */
.product-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: var(--transition-slow);
  position: relative;
  overflow: hidden;
}

.product-card::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .35s ease;
}
.product-card:hover::before { transform: scaleX(1); }

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.product-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, rgba(10,22,40,.06) 0%, rgba(10,22,40,.02) 100%);
  display: grid;
  place-items: center;
  margin-bottom: 24px;
  color: var(--navy);
  transition: var(--transition);
}
.product-card:hover .product-icon { background: var(--navy); color: var(--gold); }

.product-card h4 { color: var(--navy); margin-bottom: 12px; font-size: 1.125rem; }
.product-card p { color: var(--gray-600); font-size: .9rem; line-height: 1.6; margin-bottom: 24px; }

.product-rate {
  display: flex;
  align-items: baseline;
  gap: 4px;
  margin-bottom: 20px;
}
.rate-from { font-size: 1.625rem; font-weight: 700; color: var(--navy); font-family: var(--font-serif); }
.rate-label { font-size: .8rem; color: var(--gray-600); }

.product-link {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--blue);
  font-size: .875rem;
  font-weight: 600;
  transition: var(--transition);
}
.product-link:hover { gap: 12px; color: var(--navy); }

/* ─── STATS SECTION ──────────────────────────────────────── */
.stats-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,.08) 0%, transparent 70%);
  pointer-events: none;
}

.stat-item { text-align: center; padding: 32px 16px; }
.stat-number {
  font-family: var(--font-serif);
  font-size: 3rem;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-number span { color: var(--gold); }
.stat-label { color: rgba(255,255,255,.55); font-size: .875rem; text-transform: uppercase; letter-spacing: .08em; }

/* ─── TESTIMONIALS ───────────────────────────────────────── */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: relative;
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 20px;
  color: var(--gold);
}

.testimonial-quote {
  position: absolute;
  top: 28px;
  right: 32px;
  font-size: 5rem;
  color: var(--gold);
  opacity: .12;
  font-family: Georgia, serif;
  line-height: 1;
}

.testimonial-card p { color: var(--gray-800); font-size: .9375rem; line-height: 1.75; margin-bottom: 24px; }

.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: grid;
  place-items: center;
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1.125rem;
  flex-shrink: 0;
}
.testimonial-name { font-weight: 600; color: var(--navy); font-size: .9375rem; }
.testimonial-loan { color: var(--gray-600); font-size: .8125rem; }

/* ─── PROCESS STEPS ──────────────────────────────────────── */
.process-step {
  position: relative;
  display: flex;
  gap: 32px;
  align-items: flex-start;
}

.step-number {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1.5rem;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  box-shadow: var(--shadow);
}

.step-content h4 { color: var(--navy); margin-bottom: 10px; }
.step-content p { color: var(--gray-600); font-size: .9rem; }

.process-connector {
  width: 2px;
  height: 48px;
  background: linear-gradient(to bottom, var(--navy-mid), var(--gold));
  margin-left: 31px;
  opacity: .3;
}

/* ─── CTA SECTION ────────────────────────────────────────── */
.cta-section {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('../images/img-cta-bg.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.08;
}
.cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}
.cta-inner h2 { color: var(--white); margin-bottom: 16px; }
.cta-inner p { color: rgba(255,255,255,.65); margin: 0 auto 40px; font-size: 1.0625rem; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ─── FOOTER ─────────────────────────────────────────────── */
.footer {
  background: #060E1C;
  color: rgba(255,255,255,.65);
  padding-top: 80px;
}

.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 64px; }

.footer-brand p { font-size: .9rem; line-height: 1.7; margin: 20px 0 28px; max-width: 30ch; }

.footer-logo-text { font-family: var(--font-serif); font-size: 1.375rem; color: var(--white); }
.footer-logo-text span { display: block; font-size: .65rem; color: var(--gold); font-family: var(--font-sans); letter-spacing: .1em; text-transform: uppercase; }

.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-sm);
  display: grid;
  place-items: center;
  color: rgba(255,255,255,.5);
  transition: var(--transition);
  font-size: .875rem;
}
.footer-social a:hover { border-color: var(--gold); color: var(--gold); background: rgba(201,168,76,.08); }

.footer-col h5 { color: var(--white); font-size: .8125rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 24px; font-weight: 600; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul a { color: rgba(255,255,255,.5); font-size: .875rem; transition: color .2s; }
.footer-col ul a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 28px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.footer-bottom-text { font-size: .8125rem; }
.footer-bottom-links { display: flex; gap: 24px; }
.footer-bottom-links a { font-size: .8125rem; color: rgba(255,255,255,.4); transition: color .2s; }
.footer-bottom-links a:hover { color: var(--gold); }

.nmls-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-sm);
  font-size: .75rem;
  color: rgba(255,255,255,.4);
  margin-top: 16px;
}

/* ─── FORMS ──────────────────────────────────────────────── */
.form-group { margin-bottom: 24px; }
.form-label { display: block; font-size: .875rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.form-label .required { color: var(--red); margin-left: 3px; }

.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: .9375rem;
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}
.form-control:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,115,232,.12); }
.form-control::placeholder { color: var(--gray-500); }
.form-control.error { border-color: var(--red); }

.form-hint { font-size: .8125rem; color: var(--gray-600); margin-top: 6px; }
.form-error { font-size: .8125rem; color: var(--red); margin-top: 6px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }

select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 44px; }

/* Checkbox / Radio */
.check-group { display: flex; align-items: center; gap: 10px; cursor: pointer; }
.check-group input[type="checkbox"], .check-group input[type="radio"] { width: 18px; height: 18px; accent-color: var(--blue); cursor: pointer; }
.check-group span { font-size: .9rem; color: var(--text); }

/* ─── ALERTS ─────────────────────────────────────────────── */
.alert {
  padding: 16px 20px;
  border-radius: var(--radius);
  font-size: .9rem;
  margin-bottom: 24px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.alert-success { background: #f0fdf4; border: 1px solid #bbf7d0; color: #14532d; }
.alert-error   { background: #fef2f2; border: 1px solid #fecaca; color: #7f1d1d; }
.alert-warning { background: #fffbeb; border: 1px solid #fde68a; color: #713f12; }
.alert-info    { background: #eff6ff; border: 1px solid #bfdbfe; color: #1e3a5f; }

/* ─── CALCULATOR ─────────────────────────────────────────── */
.calc-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}
.calc-header { background: var(--navy); padding: 32px 40px; }
.calc-header h3 { color: var(--white); }
.calc-header p { color: rgba(255,255,255,.6); font-size: .9rem; }
.calc-body { padding: 40px; }
.calc-result {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
  margin-top: 32px;
}
.calc-result-label { font-size: .8125rem; color: var(--gray-600); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 8px; }
.calc-result-amount { font-family: var(--font-serif); font-size: 3rem; color: var(--navy); }
.calc-result-amount span { color: var(--gold); }
.calc-result-breakdown { display: flex; gap: 24px; justify-content: center; margin-top: 20px; flex-wrap: wrap; }
.breakdown-item { text-align: center; }
.breakdown-value { font-weight: 700; color: var(--navy); font-size: 1.125rem; }
.breakdown-label { font-size: .75rem; color: var(--gray-600); }

/* ─── RANGE SLIDER ───────────────────────────────────────── */
.range-wrap { margin-bottom: 8px; }
.range-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }
.range-value {
  background: var(--navy);
  color: var(--gold);
  padding: 4px 12px;
  border-radius: 20px;
  font-weight: 700;
  font-size: .875rem;
}
input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  background: var(--gray-200);
  border-radius: 3px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  background: var(--navy);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--gold);
  box-shadow: 0 2px 8px rgba(10,22,40,.25);
}

/* ─── BREADCRUMB ─────────────────────────────────────────── */
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .8125rem; color: rgba(255,255,255,.55); margin-bottom: 24px; }
.breadcrumb a { color: rgba(255,255,255,.55); transition: color .2s; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb-sep { color: rgba(255,255,255,.3); }

/* ─── PAGE HERO (inner pages) ────────────────────────────── */
.page-hero {
  background: var(--navy);
  padding: 160px 0 80px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.12;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 80px;
  background: linear-gradient(to bottom, transparent, var(--white));
  display: none;
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); }
.page-hero p { color: rgba(255,255,255,.65); max-width: 52ch; font-size: 1.0625rem; margin-top: 16px; }

/* ─── LOAN DETAIL PAGE ───────────────────────────────────── */
.loan-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin: 32px 0;
}
.loan-feature {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 20px;
  background: var(--off-white);
  border-radius: var(--radius);
}
.loan-feature-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: var(--navy);
  color: var(--gold);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.loan-feature h5 { color: var(--navy); margin-bottom: 4px; font-size: .9rem; }
.loan-feature p { font-size: .825rem; color: var(--gray-600); margin: 0; max-width: none; }

/* Rate box */
.rate-box {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  color: var(--white);
}
.rate-box-label { font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.5); margin-bottom: 8px; }
.rate-box-number { font-family: var(--font-serif); font-size: 3rem; color: var(--gold); line-height: 1; }
.rate-box-sub { font-size: .8rem; color: rgba(255,255,255,.45); margin-top: 8px; }

/* ─── APPLY FORM STEPS ───────────────────────────────────── */
.apply-wrap {
  max-width: 780px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.steps-progress {
  background: var(--navy);
  padding: 32px 40px;
}
.steps-track {
  display: flex;
  align-items: center;
  gap: 0;
}
.step-dot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  flex: 1;
  position: relative;
}
.step-dot:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 16px;
  left: calc(50% + 16px);
  right: calc(-50% + 16px);
  height: 2px;
  background: rgba(255,255,255,.15);
  z-index: 0;
}
.step-dot.completed:not(:last-child)::after { background: var(--gold); }

.step-circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.4);
  display: grid;
  place-items: center;
  font-size: .8125rem;
  font-weight: 700;
  z-index: 1;
  background: transparent;
  transition: var(--transition);
}
.step-dot.active .step-circle { border-color: var(--gold); color: var(--gold); background: rgba(201,168,76,.1); }
.step-dot.completed .step-circle { border-color: var(--gold); background: var(--gold); color: var(--navy); }
.step-dot-label { font-size: .6875rem; color: rgba(255,255,255,.4); text-align: center; line-height: 1.3; }
.step-dot.active .step-dot-label { color: rgba(255,255,255,.8); }
.step-dot.completed .step-dot-label { color: var(--gold); }

.apply-body { padding: 48px 56px; }
.apply-step { display: none; }
.apply-step.active { display: block; }
.apply-step h3 { color: var(--navy); margin-bottom: 8px; }
.apply-step-desc { color: var(--gray-600); font-size: .9375rem; margin-bottom: 36px; }

.apply-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 32px;
  border-top: 1px solid var(--gray-200);
  margin-top: 8px;
}

/* ─── CLIENT DASHBOARD ───────────────────────────────────── */
.client-layout { display: grid; grid-template-columns: 260px 1fr; min-height: 100vh; }

.client-sidebar {
  background: var(--navy);
  padding: 0;
  position: sticky;
  top: 0;
  height: 100vh;
  overflow-y: auto;
}
.sidebar-header {
  padding: 28px 24px;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.sidebar-user { display: flex; align-items: center; gap: 12px; }
.sidebar-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  display: grid;
  place-items: center;
  color: var(--navy);
  font-weight: 700;
  font-family: var(--font-serif);
  font-size: 1.125rem;
}
.sidebar-name { color: var(--white); font-weight: 600; font-size: .9375rem; }
.sidebar-status { color: rgba(255,255,255,.45); font-size: .75rem; }

.sidebar-nav { padding: 16px 12px; }
.sidebar-section-label { font-size: .625rem; text-transform: uppercase; letter-spacing: .14em; color: rgba(255,255,255,.25); padding: 16px 12px 8px; font-weight: 600; }
.sidebar-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 14px;
  color: rgba(255,255,255,.55);
  font-size: .875rem;
  border-radius: var(--radius);
  transition: var(--transition);
  margin-bottom: 2px;
}
.sidebar-link:hover { background: rgba(255,255,255,.06); color: var(--white); }
.sidebar-link.active { background: rgba(201,168,76,.12); color: var(--gold); }
.sidebar-link svg { width: 18px; height: 18px; flex-shrink: 0; }
.sidebar-badge {
  margin-left: auto;
  background: var(--gold);
  color: var(--navy);
  font-size: .65rem;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: 10px;
}

.client-main { background: var(--off-white); }
.client-topbar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 0 40px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.client-topbar h4 { color: var(--navy); }

.client-content { padding: 40px; }

.dash-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
}

.dash-stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 32px; }
.dash-stat {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  display: flex;
  align-items: center;
  gap: 20px;
}
.dash-stat-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.dash-stat-icon.navy { background: rgba(10,22,40,.08); color: var(--navy); }
.dash-stat-icon.gold  { background: rgba(201,168,76,.12); color: var(--gold-dark); }
.dash-stat-icon.blue  { background: rgba(26,115,232,.1); color: var(--blue); }
.dash-stat-icon.green { background: rgba(22,163,74,.1); color: var(--green); }

.dash-stat-value { font-size: 1.625rem; font-weight: 700; color: var(--navy); font-family: var(--font-serif); line-height: 1; margin-bottom: 4px; }
.dash-stat-label { font-size: .8125rem; color: var(--gray-600); }

/* Status badges */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px;
  border-radius: 20px;
  font-size: .75rem;
  font-weight: 600;
}
.badge::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: currentColor; }
.badge-submitted { background: #eff6ff; color: var(--blue); }
.badge-review   { background: #fffbeb; color: #92400e; }
.badge-approved { background: #f0fdf4; color: var(--green); }
.badge-denied   { background: #fef2f2; color: var(--red); }
.badge-info     { background: #f3f4f6; color: var(--gray-600); }

/* ─── AUTH PAGES ─────────────────────────────────────────── */
.auth-page {
  min-height: 100vh;
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.auth-left {
  background: var(--navy);
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 48px;
  overflow: hidden;
}
.auth-left::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('../images/hero/img-hero-01.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.08;
}
.auth-left-content { position: relative; z-index: 1; }
.auth-brand { color: var(--white); margin-bottom: 48px; }
.auth-brand-name { font-family: var(--font-serif); font-size: 1.375rem; }
.auth-brand-sub { font-size: .75rem; color: var(--gold); letter-spacing: .1em; text-transform: uppercase; }
.auth-headline { font-family: var(--font-serif); font-size: 2.25rem; color: var(--white); line-height: 1.25; margin-bottom: 20px; }
.auth-headline em { font-style: normal; color: var(--gold); }
.auth-tagline { color: rgba(255,255,255,.55); line-height: 1.7; font-size: .9375rem; }
.auth-trust { display: flex; gap: 24px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,.55); font-size: .8125rem; }
.trust-check { color: var(--gold); }

.auth-right {
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px;
}
.auth-form-wrap { width: 100%; max-width: 440px; }
.auth-form-wrap h2 { color: var(--navy); margin-bottom: 8px; }
.auth-form-sub { color: var(--gray-600); margin-bottom: 36px; font-size: .9375rem; }

.divider { display: flex; align-items: center; gap: 16px; margin: 24px 0; color: var(--gray-500); font-size: .8125rem; }
.divider::before, .divider::after { content: ''; flex: 1; height: 1px; background: var(--gray-200); }

/* ─── ANIMATIONS ─────────────────────────────────────────── */
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(8px); }
}

@keyframes scroll-dot {
  0%   { top: 6px; opacity: 1; }
  80%  { top: 18px; opacity: 0; }
  100% { top: 6px; opacity: 0; }
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

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

@keyframes pulse-gold {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201,168,76,.4); }
  50%       { box-shadow: 0 0 0 12px rgba(201,168,76,.0); }
}

.animate-up   { animation: fadeUp .6s ease both; }
.animate-in   { animation: fadeIn .6s ease both; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .2s; }
.delay-3 { animation-delay: .3s; }
.delay-4 { animation-delay: .4s; }

/* Scroll reveal */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .65s ease, transform .65s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ─── UTILITIES ──────────────────────────────────────────── */
.mt-4  { margin-top: 16px; }
.mt-6  { margin-top: 24px; }
.mt-8  { margin-top: 32px; }
.mt-12 { margin-top: 48px; }
.mb-4  { margin-bottom: 16px; }
.mb-6  { margin-bottom: 24px; }
.mb-8  { margin-bottom: 32px; }

.flex         { display: flex; }
.flex-center  { display: flex; align-items: center; justify-content: center; }
.gap-2 { gap: 8px; }
.gap-4 { gap: 16px; }
.gap-6 { gap: 24px; }

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

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

.hidden { display: none !important; }

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .client-layout { grid-template-columns: 220px 1fr; }
}

@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 28px; }
  .footer-top { grid-template-columns: 1fr; gap: 36px; }
  .nav-menu, .nav-actions { display: none; }
  .nav-toggle { display: flex; }
  .auth-page { grid-template-columns: 1fr; }
  .auth-left { display: none; }
  .client-layout { grid-template-columns: 1fr; }
  .client-sidebar { display: none; }
  .apply-body { padding: 28px 24px; }
  .steps-progress { padding: 24px; }
  .dash-stat-grid { grid-template-columns: 1fr; }
  .loan-features { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}