/* ==========================================================================
   GLOBAL MORTGAGE GROUP (GMG BROKER) - MAIN STYLESHEET
   Design System, Tokens, Layouts, Components & Animations
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Poppins:wght@400;500;600;700&family=Roboto+Slab:wght@400;600;700;800&display=swap');

:root {
  /* Brand Colors */
  --color-gmg: #c19b53;
  --color-gmg-dark: #a37e3a;
  --color-gmg-light: #e5d3a3;
  --color-gmg-superdark: #684e1a;

  /* Navy / Dark Theme Colors */
  --color-navy: #1e276b;
  --color-navy-dark: #060a45;
  --color-dark: #0f172a;
  --color-darker: #090e1a;
  --color-card: #151e32;
  --color-card-border: rgba(255, 255, 255, 0.1);
  --color-card-hover: #1b2642;

  /* Neutrals & Text */
  --color-white: #ffffff;
  --color-smoke: #f8fafc;
  --color-gray-100: #f1f5f9;
  --color-gray-200: #e2e8f0;
  --color-gray-300: #cbd5e1;
  --color-gray-400: #94a3b8;
  --color-gray-500: #64748b;
  --color-gray-600: #475569;
  --color-gray-700: #334155;
  --color-gray-800: #1e293b;
  --color-black: #000000;

  /* Accents */
  --color-success: #16a34a;
  --color-success-light: #dcfce7;
  --color-warning: #f59e0b;
  --color-info: #0ea5e9;

  /* Typography */
  --font-inter: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-poppins: 'Poppins', var(--font-inter);
  --font-roboto-slab: 'Roboto Slab', Georgia, serif;

  /* Shadows & Glassmorphism */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -2px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -4px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.1);
  --shadow-gold: 0 8px 24px -4px rgba(193, 155, 83, 0.35);
  --glass-bg: rgba(255, 255, 255, 0.05);
  --glass-border: rgba(255, 255, 255, 0.1);

  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-normal: 0.3s ease;
  --transition-smooth: 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Reset & Base */
*,
*::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-inter);
  color: var(--color-gray-800);
  background-color: #ffffff;
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img,
video,
svg {
  display: block;
  max-width: 100%;
}

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

button,
input,
select,
textarea {
  font: inherit;
  border: none;
  outline: none;
}

/* Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.container-narrow {
  max-width: 900px;
}

.container-wide {
  max-width: 1360px;
}

/* Utility Helpers */
.text-gold {
  color: var(--color-gmg);
}

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

.text-muted {
  color: var(--color-gray-400);
}

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

.font-slab {
  font-family: var(--font-roboto-slab);
}

.font-poppins {
  font-family: var(--font-poppins);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.75rem;
  border-radius: 9999px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all var(--transition-normal);
  text-decoration: none;
  white-space: nowrap;
}

.btn-gold {
  background-color: var(--color-gmg);
  color: var(--color-white);
  box-shadow: 0 4px 14px rgba(193, 155, 83, 0.3);
}

.btn-gold:hover {
  background-color: var(--color-gmg-dark);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

.btn-gold-outline {
  background: transparent;
  color: var(--color-gmg);
  border: 1.5px solid var(--color-gmg);
}

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

.btn-white {
  background-color: var(--color-white);
  color: var(--color-dark);
  box-shadow: var(--shadow-md);
}

.btn-white:hover {
  background-color: var(--color-smoke);
  transform: translateY(-2px);
}

.btn-dark {
  background-color: var(--color-black);
  color: var(--color-white);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.25);
}

.btn-dark:hover {
  background-color: #1a1a1a;
  transform: translateY(-2px);
}

.btn-sm {
  padding: 0.55rem 1.25rem;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 1.1rem 2.5rem;
  font-size: 1.1rem;
}

.btn-phone {
  background: transparent;
  color: var(--color-gray-800);
  padding: 0.6rem 1.2rem;
  border-radius: 9999px;
  border: 1px solid var(--color-gray-200);
  font-weight: 500;
  font-size: 0.9rem;
}

.btn-phone:hover {
  border-color: var(--color-gmg);
  color: var(--color-gmg);
}

.btn-phone svg {
  color: var(--color-gmg);
  fill: var(--color-gmg);
}

/* ==========================================================================
   HEADER & NAVBAR
   ========================================================================== */

.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(0, 0, 0, 0.07);
  transition: all var(--transition-normal);
}

.site-header.scrolled {
  box-shadow: 0 10px 30px -10px rgba(0, 0, 0, 0.1);
  background: rgba(255, 255, 255, 0.98);
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 90px;
  padding: 0 1.75rem;
  max-width: 1380px;
  margin: 0 auto;
}

.brand-wrapper {
  display: flex;
  align-items: center;
  gap: 1rem;
  text-decoration: none;
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.brand-wrapper:hover {
  opacity: 0.94;
  transform: translateY(-1px);
}

.brand-logo {
  height: 64px;
  width: auto;
  max-height: 68px;
  border-radius: 10px;
  object-fit: contain;

}

.brand-text {
  font-family: var(--font-poppins);
  font-weight: 700;
  font-size: 1.22rem;
  letter-spacing: -0.01em;
  color: var(--color-gmg);
  text-transform: uppercase;
  display: inline-block;
  line-height: 1.2;
}

.nav-desktop {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.96rem;
  font-weight: 500;
  color: var(--color-gray-800);
  padding: 0.6rem 0.35rem;
  cursor: pointer;
  transition: color var(--transition-fast);
}

.nav-link:hover,
.nav-link.active {
  color: var(--color-gmg);
}

.nav-link svg {
  width: 13px;
  height: 13px;
  stroke-width: 2.2;
  transition: transform var(--transition-fast);
}

.nav-item:hover .nav-link svg {
  transform: rotate(180deg);
}

/* Dropdown Menu */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 250px;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 12px;
  padding: 0.5rem 0;
  box-shadow: 0 14px 35px -8px rgba(15, 23, 42, 0.15), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  list-style: none;
  z-index: 100;
}

.dropdown-menu::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 24px;
  width: 12px;
  height: 12px;
  background: #ffffff;
  transform: rotate(45deg);
  border-top: 1px solid var(--color-gray-200);
  border-left: 1px solid var(--color-gray-200);
}

.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-item {
  padding: 0;
}

.dropdown-link {
  display: block;
  padding: 0.7rem 1.35rem;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--color-gray-700);
  transition: all var(--transition-fast);
}

.dropdown-link:hover {
  background: var(--color-smoke);
  color: var(--color-gmg);
  padding-left: 1.6rem;
}

.dropdown-link.active {
  color: var(--color-gmg);
  font-weight: 600;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

/* Mobile Nav Toggle */
.mobile-toggle {
  display: none;
  background: none;
  color: var(--color-gray-800);
  padding: 0.5rem;
  cursor: pointer;
  border-radius: 8px;
}

.mobile-toggle svg {
  width: 24px;
  height: 24px;
}

/* Mobile Drawer */
.mobile-nav-drawer {
  position: fixed;
  top: 86px;
  left: 0;
  right: 0;
  bottom: 0;
  background: #ffffff;
  z-index: 999;
  padding: 1.75rem;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform var(--transition-smooth);
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.mobile-nav-drawer.open {
  transform: translateX(0);
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.mobile-nav-link {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--color-gray-800);
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--color-gray-100);
}

.mobile-nav-link svg {
  transition: transform var(--transition-fast);
}

.mobile-subnav {
  list-style: none;
  padding-left: 1rem;
  display: none;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.5rem;
  margin-bottom: 0.5rem;
}

.mobile-subnav.active {
  display: flex;
}

.mobile-subnav-link {
  font-size: 0.95rem;
  color: var(--color-gray-600);
  padding: 0.5rem 0;
  font-weight: 500;
}

.mobile-subnav-link:hover,
.mobile-subnav-link.active {
  color: var(--color-gmg);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */

.hero-section {
  position: relative;
  min-height: calc(100vh - 80px);
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(180deg, #131d68 0%, #0d144f 100%);
  color: var(--color-white);
  overflow: hidden;
  padding: 4rem 1.5rem;
}

.hero-video-wrapper {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  overflow: hidden;
}

.hero-video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.58;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(ellipse at center 40%, rgba(42, 60, 155, 0.42) 0%, rgba(10, 16, 62, 0.68) 100%);
  z-index: 2;
}

.hero-content {
  position: relative;
  z-index: 3;
  max-width: 900px;
  margin: 0 auto;
  text-align: center;
}

.hero-subtitle-tag {
  display: inline-block;
  padding: 0.5rem 1.5rem;
  border-radius: 9999px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: var(--color-gmg);
  font-size: 0.9rem;
  font-weight: 500;
  margin-bottom: 2rem;
  backdrop-filter: blur(10px);
}

.hero-title {
  font-family: var(--font-roboto-slab);
  font-size: clamp(2.5rem, 6.5vw, 5.25rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 1.75rem;
  letter-spacing: -0.02em;
}

.hero-title span.highlight {
  color: var(--color-gmg);
  background: linear-gradient(135deg, #e5d3a3 0%, #c19b53 50%, #a37e3a 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-description {
  font-size: clamp(1.1rem, 2vw, 1.35rem);
  color: rgba(255, 255, 255, 0.9);
  max-width: 720px;
  margin: 0 auto 2.5rem;
  line-height: 1.6;
}

.hero-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.25rem;
}

.hero-advisor-text {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.85);
}

.hero-advisor-text a {
  color: var(--color-white);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.hero-advisor-text a:hover {
  color: var(--color-gmg-light);
}

/* ==========================================================================
   SECTION 1: FRICTIONLESS PROCESS
   ========================================================================== */

.section-padding {
  padding: 6rem 0;
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 4rem;
}

.section-title {
  font-family: var(--font-inter);
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 700;
  color: var(--color-gray-800);
  line-height: 1.25;
  margin-bottom: 1rem;
}

.section-desc {
  font-size: 1.15rem;
  color: var(--color-gray-500);
  line-height: 1.6;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.process-card {
  text-align: center;
  padding: 2.5rem 1.75rem;
  border-radius: 20px;
  background: var(--color-smoke);
  border: 1px solid var(--color-gray-200);
  transition: all var(--transition-normal);
}

.process-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(193, 155, 83, 0.3);
  background: #ffffff;
}

.process-icon-frame {
  width: 80px;
  height: 80px;
  margin: 0 auto 1.75rem;
  border-radius: 50%;
  border: 1.5px solid var(--color-gmg);
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(193, 155, 83, 0.06);
  color: var(--color-gmg);
  transition: all var(--transition-normal);
}

.process-card:hover .process-icon-frame {
  background: var(--color-gmg);
  color: #ffffff;
}

.process-icon-frame svg {
  width: 32px;
  height: 32px;
  stroke: currentColor;
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.process-card-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-gray-800);
  margin-bottom: 0.85rem;
}

.process-card-text {
  font-size: 1rem;
  color: var(--color-gray-600);
  line-height: 1.6;
}

/* ==========================================================================
   SECTION 2: TAILORED SOLUTIONS
   ========================================================================== */

.solutions-section {
  background-color: #ffffff;
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.solution-card {
  display: flex;
  flex-direction: column;
  padding: 2.25rem 1.75rem;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 20px;
  transition: all var(--transition-normal);
}

.solution-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-gmg);
}

.solution-icon-wrap {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: rgba(193, 155, 83, 0.1);
  color: var(--color-gmg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.solution-icon-wrap svg {
  width: 28px;
  height: 28px;
  stroke: currentColor;
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.solution-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-gray-800);
  margin-bottom: 0.75rem;
}

.solution-desc {
  font-size: 0.95rem;
  color: var(--color-gray-600);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

.solution-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--color-gmg);
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
}

.solution-link:hover {
  color: var(--color-gmg-dark);
  text-decoration: underline;
}

/* ==========================================================================
   SECTION 3: TODAY'S LOWEST RATES
   ========================================================================== */

.rates-section {
  background-color: var(--color-smoke);
}

.rate-badge-pulse {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 1rem;
  background: var(--color-success-light);
  color: var(--color-success);
  border-radius: 9999px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 1.25rem;
}

.pulse-dot {
  width: 8px;
  height: 8px;
  background: var(--color-success);
  border-radius: 50%;
  animation: pulseAnimation 2s infinite;
}

@keyframes pulseAnimation {
  0% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(22, 163, 74, 0.7);
  }

  70% {
    transform: scale(1);
    box-shadow: 0 0 0 8px rgba(22, 163, 74, 0);
  }

  100% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(22, 163, 74, 0);
  }
}

.rates-tabs-wrapper {
  display: flex;
  justify-content: center;
  margin-bottom: 3rem;
}

.rates-tab-group {
  display: inline-flex;
  background: #ffffff;
  padding: 0.35rem;
  border-radius: 9999px;
  border: 1px solid var(--color-gray-200);
}

.rates-tab-btn {
  padding: 0.6rem 1.75rem;
  border-radius: 9999px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-gray-600);
  background: transparent;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.rates-tab-btn.active {
  background: var(--color-dark);
  color: var(--color-white);
  box-shadow: var(--shadow-sm);
}

.rates-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-bottom: 2rem;
}

.rate-card {
  position: relative;
  background: #ffffff;
  border-radius: 24px;
  padding: 2.5rem 2rem;
  border: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-md);
  text-align: center;
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
}

.rate-card.featured {
  border-color: var(--color-gmg);
  box-shadow: 0 12px 30px -10px rgba(193, 155, 83, 0.25);
  transform: scale(1.03);
  z-index: 2;
}

.rate-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.rate-card.featured:hover {
  transform: scale(1.03) translateY(-6px);
}

.card-tag {
  display: inline-block;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1.25rem;
  align-self: center;
}

.card-tag.insured {
  background: rgba(22, 163, 74, 0.1);
  color: var(--color-success);
}

.card-tag.popular {
  background: rgba(193, 155, 83, 0.15);
  color: var(--color-gmg);
}

.card-tag.uninsured {
  background: rgba(14, 165, 233, 0.1);
  color: var(--color-info);
}

.rate-term-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-gray-800);
  margin-bottom: 1.5rem;
}

.rate-value {
  font-family: var(--font-roboto-slab);
  font-size: 3.75rem;
  font-weight: 800;
  color: var(--color-gmg);
  line-height: 1;
  margin-bottom: 1rem;
}

.rate-note {
  font-size: 0.95rem;
  color: var(--color-gray-500);
  margin-bottom: 2rem;
  flex-grow: 1;
}

.rates-disclaimer {
  text-align: center;
  font-size: 0.85rem;
  color: var(--color-gray-400);
  max-width: 800px;
  margin: 0 auto;
}

/* ==========================================================================
   SECTION 4: LOCAL EXPERTISE & STORY
   ========================================================================== */

.local-section {
  background-color: #ffffff;
}

.local-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: center;
}

.local-content {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.local-title {
  font-family: var(--font-inter);
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: var(--color-gray-900);
  line-height: 1.2;
}

.local-desc {
  font-size: 1.1rem;
  color: var(--color-gray-600);
  line-height: 1.7;
}

.local-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin: 0.5rem 0;
}

.local-bullet-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--color-gray-800);
}

.bullet-check-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(193, 155, 83, 0.15);
  color: var(--color-gmg);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.bullet-check-icon svg {
  width: 12px;
  height: 12px;
  fill: currentColor;
}

.local-image-wrapper {
  position: relative;
}

.local-image-frame {
  position: relative;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

.local-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  transition: transform var(--transition-smooth);
}

.local-image-frame:hover .local-img {
  transform: scale(1.03);
}

.floating-badge {
  position: absolute;
  bottom: -1.5rem;
  left: 2rem;
  background: var(--color-white);
  padding: 1.25rem 1.75rem;
  border-radius: 20px;
  box-shadow: 0 15px 35px -5px rgba(0, 0, 0, 0.15);
  border: 1px solid var(--color-gray-200);
  display: flex;
  align-items: center;
  gap: 1rem;
  z-index: 3;
}

.floating-badge-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--color-navy);
  color: var(--color-gmg);
  display: flex;
  align-items: center;
  justify-content: center;
}

.floating-badge-icon svg {
  width: 22px;
  height: 22px;
  fill: currentColor;
}

.badge-subtitle {
  font-size: 0.8rem;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--color-gray-400);
}

.badge-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-gray-800);
}

/* ==========================================================================
   SECTION 5: AFFORDABILITY CALCULATOR
   ========================================================================== */

.calc-section {
  background-color: var(--color-dark);
  color: var(--color-white);
  border-radius: 32px;
  margin: 2rem auto;
  padding: 5rem 1.5rem;
  overflow: hidden;
}

.calc-section .section-title {
  color: #ffffff !important;
}

.calc-section .section-desc {
  color: #94a3b8 !important;
}

.calc-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 28px;
  padding: 3rem;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3.5rem;
}

.slider-group {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 2rem;
}

.slider-group:last-child {
  margin-bottom: 0;
}

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

.slider-label {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--color-gray-300);
}

.slider-value {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-white);
}

/* Range Input Styling */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: rgba(255, 255, 255, 0.2);
  outline: none;
  cursor: pointer;
  transition: background var(--transition-fast);
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-gmg);
  border: 3px solid #ffffff;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
  transition: transform var(--transition-fast);
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-gmg);
  border: 3px solid #ffffff;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
}

.calc-results-card {
  background: var(--color-card);
  border: 1px solid var(--color-card-border);
  border-radius: 24px;
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-monthly-box {
  text-align: center;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.calc-monthly-label {
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-gray-400);
  margin-bottom: 0.5rem;
}

.calc-monthly-amount {
  font-family: var(--font-roboto-slab);
  font-size: clamp(2.5rem, 4vw, 3.5rem);
  font-weight: 800;
  color: var(--color-gmg);
  line-height: 1;
}

.calc-breakdown-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin: 2rem 0;
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
  color: var(--color-gray-300);
}

.calc-breakdown-row span:last-child {
  font-weight: 700;
  color: var(--color-white);
}

/* ==========================================================================
   SECTION 6: TESTIMONIALS
   ========================================================================== */

.testimonials-section {
  background-color: #ffffff;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.testimonial-card {
  background: var(--color-smoke);
  border: 1px solid var(--color-gray-200);
  border-radius: 24px;
  padding: 2.5rem 2rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: all var(--transition-normal);
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(193, 155, 83, 0.4);
}

.stars-rating {
  display: flex;
  gap: 0.35rem;
  color: #f59e0b;
  margin-bottom: 1.25rem;
}

.stars-rating svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

.testimonial-quote {
  font-size: 1.05rem;
  color: var(--color-gray-700);
  line-height: 1.6;
  margin-bottom: 1.75rem;
  font-style: italic;
}

.testimonial-author-row {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.author-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--color-gmg);
}

.author-name {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-gray-800);
}

.author-role {
  font-size: 0.85rem;
  color: var(--color-gray-500);
}

/* ==========================================================================
   GMG OFFICIAL FOOTER & PRE-FOOTER CTA SECTION
   ========================================================================== */

/* Pre-Footer Action Section */
.footer-cta-container {
  background: var(--color-navy);
  padding: 4rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
  overflow: hidden;
}

.footer-cta-container::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(193, 155, 83, 0.12) 0%, transparent 70%);
  pointer-events: none;
}

.footer-cta-card {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 2.5rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(193, 155, 83, 0.35);
  border-radius: 20px;
  padding: 2.5rem 3rem;
  box-shadow: 0 20px 35px -10px rgba(0, 0, 0, 0.4);
}

.footer-cta-content {
  max-width: 650px;
}

.footer-cta-title {
  font-family: var(--font-roboto-slab);
  font-size: 1.65rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 0.5rem;
  line-height: 1.25;
}

.footer-cta-subtitle {
  font-size: 0.95rem;
  color: #cbd5e1;
  line-height: 1.6;
  margin: 0;
}

.footer-cta-buttons {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}

.btn-outline-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: transparent;
  color: #ffffff;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  padding: 0.75rem 1.5rem;
  border-radius: 999px;
  font-size: 0.95rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s ease;
}

.btn-outline-white:hover {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--color-navy);
  transform: translateY(-2px);
}

/* Main Light Footer */
.main-footer-body {
  background-color: #ffffff;
  color: #475569;
  padding: 4.5rem 0 2.5rem;
  border-top: 1px solid #e2e8f0;
  font-family: var(--font-sans);
}

.footer-grid-5col {
  display: grid;
  grid-template-columns: 2fr 1.15fr 1.15fr 1.25fr 1.6fr;
  gap: 2.5rem;
  margin-bottom: 3.5rem;
}

.footer-col-brand {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.footer-brand-anchor {
  display: inline-block;
}

.footer-brand-img {
  height: 54px;
  width: auto;
  object-fit: contain;
  border-radius: 8px;
}

.footer-brand-text {
  font-size: 0.85rem;
  color: #64748b;
  line-height: 1.65;
  margin: 0;
}

.footer-social-strip {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-top: 0.5rem;
}

.footer-social-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  color: #475569;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s ease;
  text-decoration: none;
}

.footer-social-icon:hover {
  background: var(--color-gmg);
  border-color: var(--color-gmg);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 4px 10px rgba(193, 155, 83, 0.3);
}

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

.footer-column-title {
  font-size: 0.8rem;
  font-weight: 700;
  color: #0f172a;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 1.25rem;
  font-family: var(--font-sans);
}

.footer-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  padding: 0;
  margin: 0;
}

.footer-nav-link {
  font-size: 0.85rem;
  color: #475569;
  text-decoration: none;
  font-weight: 500;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
}

.footer-nav-link:hover {
  color: var(--color-gmg);
  transform: translateX(3px);
}

.footer-pill-badge {
  font-size: 9px;
  font-weight: 800;
  background: var(--color-gmg);
  color: #ffffff;
  padding: 2px 6px;
  border-radius: 4px;
  margin-left: 6px;
  letter-spacing: 0.05em;
}

.footer-office-info {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  font-size: 0.85rem;
  color: #475569;
}

.footer-office-row {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  margin: 0;
  line-height: 1.5;
}

.footer-icon-svg {
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.footer-office-link {
  color: #475569;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-office-link:hover {
  color: var(--color-gmg);
}

.footer-phone-strong {
  font-weight: 700;
  color: #0f172a;
}

.footer-phone-strong:hover {
  color: var(--color-gmg);
}

/* Sub-Footer Bottom Bar */
.footer-subbar {
  padding-top: 2rem;
  border-top: 1px solid #e2e8f0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  color: #64748b;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-subbar-left {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.footer-licence-badge {
  color: #475569;
  font-weight: 500;
}

.footer-fsra-anchor {
  color: var(--color-gmg);
  text-decoration: underline;
  font-weight: 600;
  transition: color 0.2s ease;
}

.footer-fsra-anchor:hover {
  color: var(--color-gmg-dark);
}

.footer-subbar-right {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.footer-sublink {
  color: #64748b;
  text-decoration: none;
  font-size: 0.8rem;
  transition: color 0.2s ease;
}

.footer-sublink:hover {
  color: #0f172a;
}

.footer-sublink-highlight {
  color: var(--color-gmg);
  font-weight: 600;
}

.footer-sublink-highlight:hover {
  color: var(--color-gmg-dark);
}

/* Responsive Rules */
@media (max-width: 1024px) {
  .footer-cta-card {
    flex-direction: column;
    text-align: center;
    padding: 2.25rem 2rem;
  }

  .footer-cta-buttons {
    flex-direction: column;
    width: 100%;
  }

  .footer-cta-buttons .btn,
  .footer-cta-buttons .btn-outline-white {
    width: 100%;
  }

  .footer-grid-5col {
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  .footer-grid-5col {
    grid-template-columns: 1fr;
    gap: 2.25rem;
  }

  .footer-subbar {
    flex-direction: column;
    text-align: center;
    gap: 1.25rem;
  }

  .footer-subbar-left,
  .footer-subbar-right {
    justify-content: center;
  }
}

/* ==========================================================================
   RATES PAGE SPECIFIC STYLES
   ========================================================================== */

.rates-hero-bg {
  background: linear-gradient(180deg, var(--color-navy-dark) 0%, var(--color-dark) 100%);
  padding: 5rem 0 4rem;
  color: #ffffff;
}

.rates-insights-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2.5rem;
  margin-top: 4rem;
}

.insight-box {
  background: #ffffff;
  border-radius: 24px;
  padding: 2.5rem;
  border: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-md);
}

.insight-box.dark {
  background: var(--color-dark);
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.1);
}

.insight-title {
  font-size: 1.35rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--color-gray-800);
}

.insight-box.dark .insight-title {
  color: #ffffff;
}

.insight-text {
  font-size: 1rem;
  color: var(--color-gray-600);
  line-height: 1.7;
}

.insight-box.dark .insight-text {
  color: var(--color-gray-300);
}

.rate-alert-card {
  background: linear-gradient(135deg, #151e32 0%, #0f172a 100%);
  border: 1px solid var(--color-card-border);
  border-radius: 24px;
  padding: 2.5rem;
  color: #ffffff;
}

.rate-alert-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-top: 1.5rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.form-label {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-gray-400);
}

.form-input,
.form-select {
  width: 100%;
  padding: 0.85rem 1.25rem;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 12px;
  color: #ffffff;
  font-size: 1rem;
  transition: all var(--transition-fast);
}

.form-input:focus,
.form-select:focus {
  border-color: var(--color-gmg);
  background: rgba(255, 255, 255, 0.1);
  box-shadow: 0 0 0 3px rgba(193, 155, 83, 0.25);
}

.form-select option {
  background: var(--color-dark);
  color: #ffffff;
}

/* FAQ Accordion */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 900px;
  margin: 3rem auto 0;
}

.faq-item {
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 16px;
  overflow: hidden;
  transition: all var(--transition-fast);
}

.faq-item.active {
  border-color: var(--color-gmg);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.5rem;
  background: none;
  text-align: left;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-gray-800);
  cursor: pointer;
}

.faq-icon {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-gmg);
  transition: transform var(--transition-fast);
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-normal);
}

.faq-answer-inner {
  padding: 0 1.5rem 1.5rem;
  font-size: 1rem;
  color: var(--color-gray-600);
  line-height: 1.7;
}

/* ==========================================================================
   APPLICATION PAGE (GHL SURVEY INTEGRATION & MULTI-STEP WIZARD)
   ========================================================================== */

.apply-trust-pills {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  gap: 0.65rem;
  flex-wrap: wrap;
  margin-top: 0.25rem;
}

.trust-pill {
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 999px;
  padding: 0.35rem 0.85rem;
  font-size: 0.78rem;
  font-weight: 600;
  color: #475569;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.03);
}

.ghl-embed-wrapper {
  width: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
  margin: 0 auto 1.5rem;
  position: relative;
  min-height: 480px;
  background: transparent;
  border-radius: 16px;
}

.ghl-embed-wrapper iframe {
  width: 100% !important;
  max-width: 100%;
  border: none !important;
  display: block;
}

.ghl-contact-wrapper {
  width: 100%;
  position: relative;
  min-height: 780px;
  background: transparent;
}

.ghl-contact-wrapper iframe {
  width: 100% !important;
  border: none !important;
  display: block;
}

.apply-bottom-support {
  text-align: center;
  margin-top: 1rem;
  padding: 1rem 1.25rem;
  background: #f8fafc;
  border: 1px solid var(--color-gray-200);
  border-radius: 14px;
}

.app-wizard-wrapper {
  max-width: 780px;
  margin: 3rem auto 5rem;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 28px;
  padding: 3rem;
  box-shadow: var(--shadow-xl);
}

.wizard-progress {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-bottom: 3rem;
}

.wizard-progress::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 10%;
  right: 10%;
  height: 2px;
  background: var(--color-gray-200);
  transform: translateY(-50%);
  z-index: 1;
}

.wizard-step-node {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
}

.step-circle {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--color-gray-100);
  border: 2px solid var(--color-gray-300);
  color: var(--color-gray-500);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-normal);
}

.wizard-step-node.active .step-circle {
  background: var(--color-gmg);
  border-color: var(--color-gmg);
  color: #ffffff;
  box-shadow: 0 0 0 5px rgba(193, 155, 83, 0.2);
}

.wizard-step-node.completed .step-circle {
  background: var(--color-dark);
  border-color: var(--color-dark);
  color: #ffffff;
}

.step-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-gray-500);
}

.wizard-step-node.active .step-label {
  color: var(--color-gmg);
}

.wizard-step-content {
  display: none;
}

.wizard-step-content.active {
  display: block;
  animation: fadeInStep 0.4s ease forwards;
}

@keyframes fadeInStep {
  from {
    opacity: 0;
    transform: translateY(12px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.radio-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin: 1.5rem 0;
}

.radio-card {
  position: relative;
  padding: 1.5rem;
  border: 2px solid var(--color-gray-200);
  border-radius: 16px;
  cursor: pointer;
  transition: all var(--transition-fast);
  display: flex;
  align-items: center;
  gap: 1rem;
}

.radio-card:hover {
  border-color: var(--color-gmg);
  background: var(--color-smoke);
}

.radio-card input[type="radio"] {
  position: absolute;
  opacity: 0;
}

.radio-card.selected {
  border-color: var(--color-gmg);
  background: rgba(193, 155, 83, 0.06);
}

.radio-card-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(193, 155, 83, 0.12);
  color: var(--color-gmg);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.radio-card-icon svg {
  width: 20px;
  height: 20px;
  fill: currentColor;
}

.radio-card-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-gray-800);
}

.wizard-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--color-gray-200);
}

/* ==========================================================================
   CUSTOM GLASSMORPHIC MODAL & TOAST SYSTEM
   (Strictly no window.alert or window.confirm)
   ========================================================================== */

.modal-backdrop {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(6, 10, 69, 0.7);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-normal);
}

.modal-backdrop.open {
  opacity: 1;
  visibility: visible;
}

.modal-container {
  position: relative;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 28px;
  max-width: 600px;
  width: 100%;
  padding: 2.5rem;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.35);
  transform: scale(0.95);
  transition: transform var(--transition-normal);
}

.modal-backdrop.open .modal-container {
  transform: scale(1);
}

.modal-close-btn {
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--color-gray-100);
  color: var(--color-gray-600);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.modal-close-btn:hover {
  background: var(--color-gray-200);
  color: var(--color-black);
}

.modal-icon-badge {
  width: 64px;
  height: 64px;
  border-radius: 20px;
  background: rgba(193, 155, 83, 0.12);
  color: var(--color-gmg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.modal-icon-badge svg {
  width: 32px;
  height: 32px;
  fill: currentColor;
}

.modal-title {
  font-size: 1.65rem;
  font-weight: 700;
  color: var(--color-gray-900);
  margin-bottom: 0.75rem;
}

.modal-desc {
  font-size: 1rem;
  color: var(--color-gray-600);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

/* Sleek Toast Notifications */
.toast-container {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 3000;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  pointer-events: none;
}

.toast {
  pointer-events: auto;
  min-width: 320px;
  max-width: 420px;
  background: rgba(15, 23, 42, 0.95);
  color: #ffffff;
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 16px;
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  box-shadow: 0 20px 30px -10px rgba(0, 0, 0, 0.5);
  transform: translateY(20px);
  opacity: 0;
  transition: all var(--transition-normal);
}

.toast.show {
  transform: translateY(0);
  opacity: 1;
}

.toast-icon {
  width: 24px;
  height: 24px;
  color: var(--color-gmg);
  flex-shrink: 0;
}

.toast-icon svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}

.toast-message {
  font-size: 0.9rem;
  font-weight: 500;
  line-height: 1.4;
}

/* ==========================================================================
   RESPONSIVE BREAKPOINTS
   ========================================================================== */

@media (max-width: 1024px) {

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

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

  .local-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .calc-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
  }

  .rates-insights-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {

  .nav-desktop,
  .header-actions .btn-phone {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .process-grid,
  .solutions-grid,
  .rates-grid,
  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .radio-cards-grid {
    grid-template-columns: 1fr;
  }

  .calc-box {
    padding: 1.75rem;
  }

  .app-wizard-wrapper {
    padding: 1.75rem;
  }

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

  .footer-bottom {
    flex-direction: column;
    gap: 1rem;
    text-align: center;
  }

  .toast-container {
    left: 1rem;
    right: 1rem;
    bottom: 1rem;
  }

  .toast {
    min-width: 100%;
  }
}

@media (max-width: 576px) {
  .header-container {
    height: 76px;
    padding: 0 1rem;
  }

  .brand-logo {
    height: 44px;
    max-height: 46px;
  }

  .brand-text {
    font-size: 0.98rem;
  }

  .header-actions .btn-gold {
    padding: 0.55rem 0.95rem;
    font-size: 0.84rem;
  }

  .mobile-nav-drawer {
    top: 76px;
  }
}

/* ==========================================================================
   RESIDENTIAL MORTGAGES INNER PAGE STYLES
   ========================================================================== */

/* Hero with Ken Burns effect */
.residential-hero {
  position: relative;
  min-height: 75vh;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-white);
  overflow: hidden;
  padding: 6.5rem 1.5rem 5.5rem;
  background-color: var(--color-dark);
}

.ken-burns-container {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  overflow: hidden;
  z-index: 1;
}

.ken-burns-bg,
.ken-burns-img {
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  object-fit: cover;
  animation: kenBurnsZoom 24s ease-out infinite alternate;
}

@keyframes kenBurnsZoom {
  0% {
    transform: scale(1);
  }

  100% {
    transform: scale(1.12);
  }
}

.residential-hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(180deg, rgba(6, 10, 69, 0.72) 0%, rgba(15, 23, 42, 0.85) 100%);
  z-index: 2;
  pointer-events: none;
}

.residential-hero-content {
  position: relative;
  z-index: 10;
  text-align: center;
  max-width: 860px;
  margin: 0 auto;
}

.residential-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.45rem 1.25rem;
  background: rgba(193, 155, 83, 0.18);
  border: 1px solid rgba(193, 155, 83, 0.45);
  border-radius: 999px;
  color: #fce7b2 !important;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(8px);
}

.residential-hero .hero-title {
  color: #ffffff !important;
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 800;
  line-height: 1.18;
  margin-bottom: 1.25rem;
  text-shadow: 0 2px 14px rgba(0, 0, 0, 0.6);
}

.residential-hero .hero-title span.highlight {
  color: #c19b53 !important;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.5);
  -webkit-text-fill-color: initial;
  background: none;
}

.residential-hero .hero-description {
  color: #f1f5f9 !important;
  font-size: clamp(1.05rem, 1.8vw, 1.22rem);
  line-height: 1.65;
  max-width: 720px;
  margin: 0 auto 2.25rem;
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.5);
}

.hero-fade-in-up {
  position: relative;
  z-index: 3;
  opacity: 0;
  transform: translateY(24px);
  animation: fadeInUpAnim 0.9s cubic-bezier(0.16, 1, 0.3, 1) 0.5s forwards;
}

@keyframes fadeInUpAnim {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* 3-Top / 2-Bottom Centered Desktop Grid */
.residential-cards-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 2rem;
}

.residential-card {
  grid-column: span 2;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 24px;
  padding: 2.5rem 2rem;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.05);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  display: flex;
  flex-direction: column;
}

.residential-card.bottom-row-1 {
  grid-column: 2 / span 2;
}

.residential-card.bottom-row-2 {
  grid-column: 4 / span 2;
}

.residential-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-gmg);
}

.card-num-badge {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(193, 155, 83, 0.12);
  color: var(--color-gmg);
  font-weight: 700;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.res-card-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-gray-900);
  margin-bottom: 0.85rem;
}

.res-card-desc {
  font-size: 0.95rem;
  color: var(--color-gray-600);
  line-height: 1.7;
}

@media (max-width: 1024px) {
  .residential-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .residential-card,
  .residential-card.bottom-row-1,
  .residential-card.bottom-row-2 {
    grid-column: span 1;
  }
}

@media (max-width: 640px) {
  .residential-cards-grid {
    grid-template-columns: 1fr;
  }
}

/* CTA Footer Block with Pulse */
.solid-cta-block {
  background: linear-gradient(135deg, #1e276b 0%, #060a45 100%);
  border-radius: 32px;
  padding: 4.5rem 2rem;
  color: #ffffff;
  text-align: center;
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.pulse-btn {
  animation: btnPulseGlow 2.5s infinite;
}

@keyframes btnPulseGlow {
  0% {
    box-shadow: 0 0 0 0 rgba(193, 155, 83, 0.7);
  }

  70% {
    box-shadow: 0 0 0 18px rgba(193, 155, 83, 0);
  }

  100% {
    box-shadow: 0 0 0 0 rgba(193, 155, 83, 0);
  }
}

/* ==========================================
   COMMERCIAL FINANCING INNER PAGE STYLES
   ========================================== */

.commercial-hero {
  position: relative;
  min-height: 75vh;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-white);
  overflow: hidden;
  padding: 6.5rem 1.5rem 5.5rem;
  background-color: var(--color-dark);
}

.commercial-hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(180deg, rgba(6, 10, 69, 0.72) 0%, rgba(15, 23, 42, 0.85) 100%);
  z-index: 2;
  pointer-events: none;
}

.commercial-hero-content {
  position: relative;
  z-index: 10;
  text-align: center;
  max-width: 860px;
  margin: 0 auto;
}

.commercial-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.45rem 1.25rem;
  background: rgba(193, 155, 83, 0.18);
  border: 1px solid rgba(193, 155, 83, 0.45);
  border-radius: 999px;
  color: #fce7b2 !important;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(8px);
}

.commercial-hero .hero-title {
  color: #ffffff !important;
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 800;
  line-height: 1.18;
  margin-bottom: 1.25rem;
  text-shadow: 0 2px 14px rgba(0, 0, 0, 0.6);
}

.commercial-hero .hero-title span.highlight {
  color: #c19b53 !important;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.5);
  -webkit-text-fill-color: initial;
  background: none;
}

.commercial-hero .hero-description {
  color: #f1f5f9 !important;
  font-size: clamp(1.05rem, 1.8vw, 1.22rem);
  line-height: 1.65;
  max-width: 720px;
  margin: 0 auto 2.25rem;
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.5);
}

.commercial-cards-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 2rem;
}

.commercial-card {
  grid-column: span 2;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 24px;
  padding: 2.5rem 2rem;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.05);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  display: flex;
  flex-direction: column;
}

.commercial-card.bottom-row-1 {
  grid-column: 2 / span 2;
}

.commercial-card.bottom-row-2 {
  grid-column: 4 / span 2;
}

.commercial-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-gmg);
}

.commercial-feature-list {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

.commercial-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.9rem;
  color: var(--color-gray-700);
  line-height: 1.45;
}

.commercial-feature-item svg {
  width: 16px;
  height: 16px;
  stroke: var(--color-gmg);
  flex-shrink: 0;
  margin-top: 3px;
}

/* Metric parameters strip */
.commercial-metrics-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 20px;
  padding: 2rem 2.5rem;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04);
  margin-top: -3.5rem;
  position: relative;
  z-index: 10;
}

.commercial-metric-item {
  text-align: center;
  border-right: 1px solid var(--color-gray-200);
  padding: 0 1rem;
}

.commercial-metric-item:last-child {
  border-right: none;
}

.commercial-metric-val {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--color-navy);
  margin-bottom: 0.35rem;
  letter-spacing: -0.02em;
}

.commercial-metric-label {
  font-size: 0.85rem;
  color: var(--color-gray-600);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

@media (max-width: 1024px) {
  .commercial-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .commercial-card,
  .commercial-card.bottom-row-1,
  .commercial-card.bottom-row-2 {
    grid-column: span 1;
  }

  .commercial-metrics-bar {
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
  }

  .commercial-metric-item:nth-child(2) {
    border-right: none;
  }
}

@media (max-width: 640px) {
  .commercial-cards-grid {
    grid-template-columns: 1fr;
  }

  .commercial-metrics-bar {
    grid-template-columns: 1fr;
    padding: 1.5rem;
    margin-top: -2rem;
  }

  .commercial-metric-item {
    border-right: none;
    border-bottom: 1px solid var(--color-gray-200);
    padding-bottom: 1rem;
  }

  .commercial-metric-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
  }
}

/* ==========================================
   PRIVATE MORTGAGES INNER PAGE STYLES
   ========================================== */

.private-hero {
  position: relative;
  min-height: 75vh;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-white);
  overflow: hidden;
  padding: 6.5rem 1.5rem 5.5rem;
  background-color: var(--color-dark);
}

.private-hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(180deg, rgba(6, 10, 69, 0.72) 0%, rgba(15, 23, 42, 0.85) 100%);
  z-index: 2;
  pointer-events: none;
}

.private-hero-content {
  position: relative;
  z-index: 10;
  text-align: center;
  max-width: 860px;
  margin: 0 auto;
}

.private-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.45rem 1.25rem;
  background: rgba(193, 155, 83, 0.18);
  border: 1px solid rgba(193, 155, 83, 0.45);
  border-radius: 999px;
  color: #fce7b2 !important;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(8px);
}

.private-hero .hero-title {
  color: #ffffff !important;
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 800;
  line-height: 1.18;
  margin-bottom: 1.25rem;
  text-shadow: 0 2px 14px rgba(0, 0, 0, 0.6);
}

.private-hero .hero-title span.highlight {
  color: #c19b53 !important;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.5);
  -webkit-text-fill-color: initial;
  background: none;
}

.private-hero .hero-description {
  color: #f1f5f9 !important;
  font-size: clamp(1.05rem, 1.8vw, 1.22rem);
  line-height: 1.65;
  max-width: 720px;
  margin: 0 auto 2.25rem;
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.5);
}

/* 2x2 Grid for 4 Core Service Cards on Desktop */
.private-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
}

.private-card {
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 24px;
  padding: 2.75rem 2.25rem;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.05);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
  display: flex;
  flex-direction: column;
}

.private-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-gmg);
}

/* Featured / Promotional Private Rate Banner */
.private-promo-banner {
  background: linear-gradient(135deg, rgba(193, 155, 83, 0.12) 0%, rgba(6, 10, 69, 0.05) 100%);
  border: 1.5px dashed var(--color-gmg);
  border-radius: 18px;
  padding: 1.5rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  margin-bottom: 3rem;
}

.private-promo-content {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.private-promo-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--color-gmg);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.private-promo-icon svg {
  width: 24px;
  height: 24px;
  stroke: #ffffff;
}

.private-promo-title {
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--color-navy);
  margin-bottom: 0.25rem;
}

.private-promo-text {
  font-size: 0.92rem;
  color: var(--color-gray-600);
}

/* Strategic Exit Roadmap */
.exit-roadmap-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}

.exit-roadmap-card {
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 18px;
  padding: 2rem 1.5rem;
  position: relative;
  transition: transform 0.3s ease, border-color 0.3s ease;
}

.exit-roadmap-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-gmg);
}

.exit-step-num {
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--color-gmg);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
}

.exit-step-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-gray-900);
  margin-bottom: 0.5rem;
}

.exit-step-desc {
  font-size: 0.88rem;
  color: var(--color-gray-600);
  line-height: 1.6;
}

/* Responsive Breakpoints for Tablet and Mobile */
@media (max-width: 1024px) {

  .nav-desktop,
  .header-actions .btn-phone {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .private-cards-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .exit-roadmap-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.25rem;
  }

  .private-promo-banner {
    flex-direction: column;
    align-items: flex-start;
    padding: 1.5rem;
  }
}

@media (max-width: 640px) {
  .private-cards-grid {
    grid-template-columns: 1fr;
  }

  .private-card {
    padding: 2rem 1.5rem;
  }

  .exit-roadmap-grid {
    grid-template-columns: 1fr;
  }

  .private-promo-content {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.75rem;
  }
}

/* ==========================================================================
   ADVANCED MOBILE & TABLET RESPONSIVE ENGINE
   Optimized for Portrait & Landscape Orientations
   ========================================================================== */

/* 1. Fluid Typography & Global Touch Optimization */
.hero-title {
  font-size: clamp(1.85rem, 5vw, 3.5rem);
  line-height: 1.18;
}

.section-title {
  font-size: clamp(1.5rem, 3.5vw, 2.35rem);
  line-height: 1.25;
}

/* Prevent iOS auto-zoom on input focus */
input,
select,
textarea {
  font-size: 16px !important;
}

/* 2. Tablet Portrait (768px - 1024px) */
@media (min-width: 769px) and (max-width: 1024px) {
  .container {
    padding: 0 2rem;
  }

  .process-grid,
  .rates-grid,
  .solutions-grid,
  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
  }

  .calc-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
  }
}

/* 3. Mobile Portrait (< 768px, portrait) */
@media (max-width: 768px) and (orientation: portrait) {
  .hero-section {
    padding: 4.5rem 1.25rem 3.5rem;
    min-height: calc(100svh - 76px);
    display: flex;
    align-items: center;
  }

  .hero-actions {
    flex-direction: column;
    width: 100%;
    gap: 1rem;
  }

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

  .calc-box,
  .app-wizard-wrapper {
    padding: 1.25rem;
    border-radius: 14px;
  }

  .rate-card {
    padding: 1.75rem 1.25rem;
  }

  .wizard-progress {
    gap: 0.5rem;
    overflow-x: auto;
    padding-bottom: 0.5rem;
  }

  .step-label {
    font-size: 0.75rem;
  }
}

/* 4. Mobile & Tablet Landscape Orientation (max-height <= 600px) */
@media (orientation: landscape) and (max-height: 600px) {
  .site-header {
    position: relative;
    /* avoids taking screen in small height landscape */
  }

  .header-container {
    height: 60px !important;
    padding: 0 1.25rem;
  }

  .brand-logo {
    height: 38px !important;
  }

  .brand-text {
    font-size: 0.95rem !important;
  }

  .mobile-nav-drawer {
    top: 60px !important;
    padding: 1.25rem 2rem !important;
  }

  .mobile-nav-list {
    display: grid !important;
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 0.75rem 2rem !important;
  }

  .hero-section {
    min-height: auto !important;
    padding: 3rem 1.5rem 2.5rem !important;
  }

  .hero-title {
    font-size: 2rem !important;
    margin-bottom: 0.75rem !important;
  }

  .hero-description {
    font-size: 0.95rem !important;
    margin-bottom: 1.25rem !important;
  }

  .hero-actions {
    flex-direction: row !important;
    gap: 1rem !important;
    align-items: center !important;
  }

  /* Two-column layout in landscape for calculators */
  .calc-grid {
    grid-template-columns: 1.1fr 0.9fr !important;
    gap: 1.5rem !important;
  }

  .process-grid,
  .rates-grid,
  .solutions-grid {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 1.25rem !important;
  }

  .section-padding {
    padding: 3rem 0 !important;
  }
}

/* 5. Ultra-wide Tablet & Foldable Screens */
@media (min-width: 1025px) and (max-width: 1280px) {
  .header-container {
    padding: 0 1.5rem;
  }

  .nav-desktop {
    gap: 1.25rem;
  }

  .brand-text {
    font-size: 1.05rem;
  }
}

/* ==========================================================================
   LENDERS NETWORK SECTION & COMPONENT STYLES
   ========================================================================== */
.lenders-section {
  background: var(--color-smoke);
  border-top: 1px solid var(--color-gray-200);
  border-bottom: 1px solid var(--color-gray-200);
  padding: 4.5rem 0;
}

.lenders-grid {
  display: grid;
  grid-template-columns: repeat(8, 1fr);
  gap: 1.25rem;
  align-items: center;
}

.lender-logo-card {
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 14px;
  padding: 1rem 1.25rem;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 80px;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.04);
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

.lender-logo-card:hover {
  border-color: var(--color-gmg);
  background: #ffffff;
  box-shadow: 0 10px 25px -5px rgba(193, 155, 83, 0.25);
  transform: translateY(-3px) scale(1.03);
}

.lender-logo-img {
  max-height: 38px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
  filter: grayscale(100%) opacity(80%);
  transition: all 0.25s ease-in-out;
}

.lender-logo-card:hover .lender-logo-img {
  filter: grayscale(0%) opacity(100%);
  transform: scale(1.05);
}

.lender-badge {
  background: #ffffff;
  border: 1px solid var(--color-gray-200);
  border-radius: 12px;
  padding: 1.25rem 1rem;
  text-align: center;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--color-navy);
  letter-spacing: -0.01em;
  transition: all var(--transition-normal);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 72px;
}

.lender-badge:hover {
  background: #ffffff;
  border-color: var(--color-gmg);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

@media (max-width: 1200px) {
  .lenders-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
  }
}

@media (max-width: 768px) {
  .lenders-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 0.85rem;
  }

  .lender-logo-card {
    min-height: 70px;
    padding: 0.75rem 0.85rem;
  }

  .lender-logo-img {
    max-height: 32px;
  }
}

@media (max-width: 480px) {
  .lenders-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
  }

  .lender-logo-card {
    min-height: 64px;
    padding: 0.65rem 0.75rem;
  }

  .lender-logo-img {
    max-height: 28px;
  }
}

/* Initials Avatar for Testimonials */
.initials-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--color-navy), var(--color-navy-dark));
  color: var(--color-gmg-light);
  font-weight: 700;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid rgba(193, 155, 83, 0.35);
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
  flex-shrink: 0;
}

/* Privacy & Consent Notice Banner */
.app-privacy-notice {
  background: rgba(30, 39, 107, 0.05);
  border: 1px solid rgba(30, 39, 107, 0.15);
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.app-privacy-icon {
  color: var(--color-navy);
  flex-shrink: 0;
  margin-top: 0.15rem;
}

.app-privacy-text {
  font-size: 0.92rem;
  color: var(--color-gray-700);
  line-height: 1.6;
}

.app-privacy-text a {
  color: var(--color-navy);
  font-weight: 600;
  text-decoration: underline;
}

/* Service Detail Cards & Grids */
.service-cards-container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}

@media (max-width: 1024px) {
  .service-cards-container {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .service-cards-container {
    grid-template-columns: 1fr;
  }
}