/* ============================================
   INVESTOR LOAN SORTING — MASTER STYLESHEET
   Color: Navy #1a2332 / Gold #d4a843 / White
   ============================================ */

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

:root {
  --navy: #1a2332;
  --navy-light: #243044;
  --navy-dark: #0f1720;
  --gold: #d4a843;
  --gold-light: #e6c36a;
  --gold-dark: #b8902e;
  --white: #ffffff;
  --off-white: #f7f8fa;
  --gray-100: #f0f2f5;
  --gray-200: #e2e5ea;
  --gray-300: #c8cdd5;
  --gray-400: #9aa1ad;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --text-primary: #1a2332;
  --text-secondary: #4b5563;
  --text-light: #6b7280;
  --success: #22c55e;
  --error: #ef4444;
  --warning: #f59e0b;
  --shadow-sm: 0 1px 2px rgba(26,35,50,0.06);
  --shadow-md: 0 4px 12px rgba(26,35,50,0.08);
  --shadow-lg: 0 8px 30px rgba(26,35,50,0.12);
  --shadow-xl: 0 20px 60px rgba(26,35,50,0.15);
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-sans);
  color: var(--text-primary);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; transition: color var(--transition); }
ul, ol { list-style: none; }
button, input, select, textarea { font-family: inherit; font-size: inherit; }

/* --- Typography --- */
h1, h2, h3, h4, h5, h6 { line-height: 1.2; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.75rem); }
h4 { font-size: 1.25rem; }
p { margin-bottom: 1rem; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-white { color: var(--white); }

/* --- Layout --- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.container-narrow { max-width: 800px; }
.container-wide { max-width: 1400px; }

.section {
  padding: 5rem 0;
}
.section-sm { padding: 3rem 0; }
.section-lg { padding: 7rem 0; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 2rem;
  border: 2px solid transparent;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  line-height: 1.4;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn:active { transform: translateY(0); }

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

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

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

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

.btn-lg { padding: 1.125rem 2.5rem; font-size: 1.125rem; }
.btn-sm { padding: 0.625rem 1.25rem; font-size: 0.875rem; }
.btn-full { width: 100%; }

/* --- Header / Navigation --- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(26, 35, 50, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(212, 168, 67, 0.15);
  transition: all var(--transition);
}
.header.scrolled {
  background: rgba(26, 35, 50, 0.98);
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}
.nav-logo .logo-icon {
  width: 40px;
  height: 40px;
  background: var(--gold);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--navy);
  font-weight: 900;
}
.nav-logo span { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.nav-links a {
  color: rgba(255,255,255,0.8);
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
  font-weight: 500;
  font-size: 0.925rem;
  transition: all var(--transition);
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-links a.active { color: var(--gold); }

.nav-links .dropdown { position: relative; }
.nav-links .dropdown-toggle { cursor: pointer; }
.nav-links .dropdown-toggle::after {
  content: '';
  display: inline-block;
  width: 0; height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 4px solid currentColor;
  margin-left: 6px;
  vertical-align: middle;
  transition: transform var(--transition);
}
.nav-links .dropdown:hover .dropdown-toggle::after { transform: rotate(180deg); }
.nav-links .dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 220px;
  background: var(--navy-light);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  border: 1px solid rgba(255,255,255,0.08);
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all var(--transition);
}
.nav-links .dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav-links .dropdown-menu a {
  display: block;
  padding: 0.625rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
}
.nav-links .dropdown-menu a:hover {
  background: rgba(212, 168, 67, 0.12);
  color: var(--gold);
}

.nav-cta {
  margin-left: 1rem;
}
.nav-cta .btn { padding: 0.625rem 1.5rem; font-size: 0.9rem; }

/* Mobile menu */
.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
  background: none;
  border: none;
}
.mobile-toggle span {
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.mobile-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.mobile-toggle.active span:nth-child(2) { opacity: 0; }
.mobile-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--navy);
  padding: 2rem 1.5rem;
  overflow-y: auto;
  z-index: 999;
}
.mobile-menu.active { display: block; animation: slideDown 0.3s ease; }
.mobile-menu a {
  display: block;
  color: var(--white);
  padding: 1rem 0;
  font-size: 1.1rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu .mobile-submenu { padding-left: 1.5rem; }
.mobile-menu .mobile-submenu a { font-size: 1rem; color: rgba(255,255,255,0.7); }
.mobile-menu .btn { margin-top: 1.5rem; }

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

/* --- Hero --- */
.hero {
  position: relative;
  min-height: 90vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  overflow: hidden;
  padding-top: 72px;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 80%;
  height: 200%;
  background: radial-gradient(ellipse, rgba(212,168,67,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(to top, var(--white), transparent);
  pointer-events: none;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 720px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(212, 168, 67, 0.12);
  border: 1px solid rgba(212, 168, 67, 0.3);
  color: var(--gold);
  padding: 0.5rem 1rem;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}
.hero-badge .dot {
  width: 8px; height: 8px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s ease infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.8); }
}
.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.025em;
}
.hero h1 .highlight {
  color: var(--gold);
  position: relative;
}
.hero-subtitle {
  color: rgba(255,255,255,0.7);
  font-size: clamp(1rem, 2vw, 1.25rem);
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 580px;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
  margin-bottom: 3rem;
}
.hero-stats {
  display: flex;
  gap: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat { text-align: left; }
.hero-stat .number {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.hero-stat .label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  font-weight: 500;
}

/* Hero grid pattern */
.hero-grid-pattern {
  position: absolute;
  top: 0; right: 0; bottom: 0;
  width: 50%;
  opacity: 0.03;
  background-image:
    linear-gradient(rgba(255,255,255,0.5) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.5) 1px, transparent 1px);
  background-size: 60px 60px;
}

/* --- Page Hero (for interior pages) --- */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 8rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 80%; height: 200%;
  background: radial-gradient(ellipse, rgba(212,168,67,0.05) 0%, transparent 70%);
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero .breadcrumb {
  display: flex;
  gap: 0.5rem;
  align-items: center;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.5rem;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,0.5); }
.page-hero .breadcrumb a:hover { color: var(--gold); }
.page-hero .breadcrumb .sep { color: rgba(255,255,255,0.3); }
.page-hero h1 {
  color: var(--white);
  margin-bottom: 1rem;
  font-weight: 800;
}
.page-hero p {
  color: rgba(255,255,255,0.7);
  font-size: 1.15rem;
  max-width: 600px;
}

/* --- How It Works --- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 60px;
  left: 16.67%;
  right: 16.67%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
  z-index: 0;
}
.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-number {
  width: 56px;
  height: 56px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 800;
  margin: 0 auto 1.5rem;
  box-shadow: 0 4px 15px rgba(212,168,67,0.3);
}
.step-card h3 { margin-bottom: 0.75rem; color: var(--navy); }
.step-card p { color: var(--text-secondary); font-size: 0.95rem; }

/* --- Section Headers --- */
.section-header {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 3.5rem;
}
.section-header .overline {
  display: inline-block;
  color: var(--gold);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}
.section-header h2 {
  margin-bottom: 1rem;
  color: var(--navy);
}
.section-header p {
  color: var(--text-secondary);
  font-size: 1.05rem;
}

/* --- Loan Type Tiles --- */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
}
.loan-tile {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.loan-tile:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.loan-tile::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform var(--transition);
}
.loan-tile:hover::before { transform: scaleX(1); }
.loan-tile-icon {
  width: 52px;
  height: 52px;
  background: rgba(212, 168, 67, 0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
}
.loan-tile h3 {
  font-size: 1.2rem;
  margin-bottom: 0.5rem;
}
.loan-tile p {
  color: var(--text-secondary);
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
  line-height: 1.6;
}
.loan-tile .tile-details {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}
.loan-tile .tile-tag {
  background: var(--gray-100);
  color: var(--text-secondary);
  padding: 0.3rem 0.75rem;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 500;
}
.loan-tile .tile-link {
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.loan-tile .tile-link::after {
  content: '\2192';
  transition: transform var(--transition);
}
.loan-tile:hover .tile-link::after { transform: translateX(4px); }

/* --- Why Us / Benefits --- */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}
.benefit-card {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.benefit-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: rgba(212,168,67,0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
}
.benefit-card h4 { margin-bottom: 0.35rem; font-size: 1.05rem; }
.benefit-card p { color: var(--text-secondary); font-size: 0.9rem; margin-bottom: 0; }

/* --- Testimonials / Social Proof --- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
}
.testimonial-stars {
  color: var(--gold);
  font-size: 1.1rem;
  margin-bottom: 1rem;
  letter-spacing: 2px;
}
.testimonial-card blockquote {
  color: var(--text-primary);
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 1.25rem;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--gray-200);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--navy);
}
.testimonial-author-info .name { font-weight: 600; font-size: 0.9rem; }
.testimonial-author-info .role { color: var(--text-light); font-size: 0.8rem; }

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  border-radius: var(--radius-xl);
  padding: 4rem 3rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%; right: -25%;
  width: 80%; height: 200%;
  background: radial-gradient(ellipse, rgba(212,168,67,0.08) 0%, transparent 60%);
}
.cta-banner .container { position: relative; z-index: 2; }
.cta-banner h2 { color: var(--white); margin-bottom: 1rem; }
.cta-banner p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  margin-bottom: 2rem;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

/* --- Footer --- */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.6);
  padding: 4rem 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
  color: rgba(255,255,255,0.5);
}
.footer h4 {
  color: var(--white);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1.25rem;
}
.footer ul li { margin-bottom: 0.625rem; }
.footer ul a {
  color: rgba(255,255,255,0.5);
  font-size: 0.9rem;
  transition: color var(--transition);
}
.footer ul a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.5rem 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}
.footer-bottom a { color: rgba(255,255,255,0.35); }
.footer-bottom a:hover { color: var(--gold); }
.footer-legal { display: flex; gap: 1.5rem; }

/* NMLS placeholder */
.nmls-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 0.5rem 1rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}

/* --- Multi-Step Form --- */
.form-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  max-width: 860px;
  margin: 0 auto;
}

/* Progress bar */
.form-progress {
  display: flex;
  background: var(--gray-100);
  border-bottom: 1px solid var(--gray-200);
  overflow-x: auto;
}
.form-progress-step {
  flex: 1;
  padding: 1rem 0.75rem;
  text-align: center;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gray-400);
  position: relative;
  min-width: 100px;
  transition: all var(--transition);
  cursor: default;
}
.form-progress-step .step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--gray-300);
  color: var(--white);
  font-size: 0.7rem;
  margin-bottom: 0.35rem;
  transition: all var(--transition);
}
.form-progress-step .step-label { display: block; }
.form-progress-step.active {
  color: var(--navy);
}
.form-progress-step.active .step-num {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(212,168,67,0.3);
}
.form-progress-step.completed {
  color: var(--navy);
}
.form-progress-step.completed .step-num {
  background: var(--success);
  color: var(--white);
}

/* Form body */
.form-body { padding: 2.5rem; }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.4s ease; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-step h2 {
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
  color: var(--navy);
}
.form-step .step-desc {
  color: var(--text-secondary);
  margin-bottom: 2rem;
  font-size: 0.95rem;
}

/* Form fields */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
.form-row.three-col { grid-template-columns: 1fr 1fr 1fr; }
.form-group {
  margin-bottom: 1.25rem;
}
.form-group.full-width {
  grid-column: 1 / -1;
}
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 0.5rem;
}
.form-group label .required { color: var(--error); }
.form-group label .optional { color: var(--text-light); font-weight: 400; font-size: 0.8rem; }

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: var(--text-primary);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,168,67,0.15);
}
.form-control::placeholder { color: var(--gray-400); }
.form-control.error { border-color: var(--error); }
.form-error {
  color: var(--error);
  font-size: 0.78rem;
  margin-top: 0.35rem;
  display: none;
}
.form-control.error + .form-error { display: block; }

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%236b7280' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

textarea.form-control {
  resize: vertical;
  min-height: 100px;
}

/* Loan type selection */
.loan-type-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
}
.loan-type-option {
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  cursor: pointer;
  transition: all var(--transition);
  text-align: center;
  position: relative;
}
.loan-type-option:hover { border-color: var(--gold); background: rgba(212,168,67,0.03); }
.loan-type-option.selected {
  border-color: var(--gold);
  background: rgba(212,168,67,0.06);
  box-shadow: 0 0 0 3px rgba(212,168,67,0.15);
}
.loan-type-option input { display: none; }
.loan-type-option .icon {
  font-size: 1.75rem;
  margin-bottom: 0.5rem;
}
.loan-type-option .label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
}
.loan-type-option .sub {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-top: 0.25rem;
}

/* Radio / checkbox group inline */
.radio-group, .checkbox-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}
.radio-option, .checkbox-option {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  font-size: 0.9rem;
}
.radio-option:hover, .checkbox-option:hover {
  border-color: var(--gold);
}
.radio-option.selected, .checkbox-option.selected {
  border-color: var(--gold);
  background: rgba(212,168,67,0.06);
}

/* File upload zone */
.upload-zone {
  border: 2px dashed var(--gray-300);
  border-radius: var(--radius-md);
  padding: 2rem;
  text-align: center;
  cursor: pointer;
  transition: all var(--transition);
  background: var(--gray-100);
}
.upload-zone:hover, .upload-zone.dragover {
  border-color: var(--gold);
  background: rgba(212,168,67,0.04);
}
.upload-zone .upload-icon {
  font-size: 2.5rem;
  margin-bottom: 0.75rem;
  opacity: 0.5;
}
.upload-zone p { color: var(--text-secondary); font-size: 0.9rem; margin-bottom: 0.25rem; }
.upload-zone .upload-hint { font-size: 0.78rem; color: var(--text-light); }
.upload-zone input { display: none; }
.file-list { margin-top: 1rem; }
.file-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.625rem 1rem;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  margin-bottom: 0.5rem;
  font-size: 0.85rem;
}
.file-item .file-name { color: var(--text-primary); font-weight: 500; }
.file-item .file-size { color: var(--text-light); font-size: 0.78rem; }
.file-item .file-remove {
  color: var(--error);
  cursor: pointer;
  font-weight: 600;
  background: none;
  border: none;
  font-size: 1.1rem;
  padding: 0 0.25rem;
}

/* Form navigation */
.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 2rem;
  margin-top: 2rem;
  border-top: 1px solid var(--gray-200);
}
.form-nav .btn-back {
  background: none;
  border: none;
  color: var(--text-secondary);
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  transition: color var(--transition);
  padding: 0.5rem;
}
.form-nav .btn-back:hover { color: var(--navy); }

/* Disclaimer */
.form-disclaimer {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  margin-top: 2rem;
  font-size: 0.82rem;
  color: var(--text-light);
  line-height: 1.6;
}
.form-disclaimer strong { color: var(--text-primary); }

/* DSCR Calculator */
.dscr-calculator {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin-bottom: 1.5rem;
}
.dscr-calculator h4 {
  font-size: 0.95rem;
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.dscr-result {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem;
  background: var(--white);
  border-radius: var(--radius-sm);
  border: 1px solid var(--gray-200);
}
.dscr-value {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
}
.dscr-value.good { color: var(--success); }
.dscr-value.ok { color: var(--warning); }
.dscr-value.low { color: var(--error); }
.dscr-label {
  font-size: 0.82rem;
  color: var(--text-secondary);
}

/* --- FAQ / Accordion --- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  margin-bottom: 0.75rem;
  overflow: hidden;
  transition: all var(--transition);
}
.faq-item:hover { border-color: var(--gray-300); }
.faq-item.active { border-color: var(--gold); }
.faq-question {
  width: 100%;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  text-align: left;
  font-weight: 600;
  font-size: 1rem;
  color: var(--text-primary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-question::after {
  content: '+';
  font-size: 1.25rem;
  color: var(--gold);
  font-weight: 700;
  transition: transform var(--transition);
  flex-shrink: 0;
}
.faq-item.active .faq-question::after {
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.faq-answer-inner {
  padding: 0 1.5rem 1.25rem;
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.7;
}

/* --- Content Page Styles --- */
.content-section { padding: 4rem 0; }
.content-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 3rem;
  align-items: start;
}
.content-main h2 { margin-bottom: 1rem; font-size: 1.6rem; }
.content-main h3 { margin-top: 2rem; margin-bottom: 0.75rem; font-size: 1.25rem; }
.content-main p { color: var(--text-secondary); font-size: 0.95rem; line-height: 1.8; }
.content-main ul, .content-main ol {
  margin: 1rem 0 1rem 1.5rem;
  list-style: disc;
}
.content-main ul li, .content-main ol li {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.8;
  margin-bottom: 0.5rem;
}

/* Sidebar */
.content-sidebar {
  position: sticky;
  top: 100px;
}
.sidebar-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin-bottom: 1.5rem;
}
.sidebar-card h4 {
  margin-bottom: 1rem;
  font-size: 1.05rem;
}
.sidebar-card .rate-range {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold-dark);
  margin-bottom: 0.25rem;
}
.sidebar-card .rate-label {
  color: var(--text-light);
  font-size: 0.82rem;
  margin-bottom: 1.5rem;
}
.sidebar-highlights li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  padding: 0.625rem 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 0.9rem;
  color: var(--text-secondary);
}
.sidebar-highlights li:last-child { border-bottom: none; }
.sidebar-highlights .check {
  color: var(--success);
  font-weight: 700;
  flex-shrink: 0;
}

/* Requirements list styled */
.requirements-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
  margin: 2rem 0;
}
.req-card {
  background: var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.25rem;
}
.req-card h4 {
  font-size: 0.95rem;
  margin-bottom: 0.35rem;
  color: var(--navy);
}
.req-card p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  margin-bottom: 0;
}

/* --- About Page --- */
.about-values {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
}
.value-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
}
.value-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.value-card .value-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
}
.value-card h3 { font-size: 1.15rem; margin-bottom: 0.5rem; }
.value-card p { color: var(--text-secondary); font-size: 0.9rem; margin-bottom: 0; }

/* --- Utility --- */
.bg-light { background: var(--off-white); }
.bg-navy { background: var(--navy); }

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .content-grid {
    grid-template-columns: 1fr;
  }
  .content-sidebar {
    position: static;
  }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .mobile-toggle { display: flex; }

  .section { padding: 3.5rem 0; }

  .hero { min-height: 80vh; }
  .hero-stats { gap: 1.5rem; flex-wrap: wrap; }
  .hero-stat .number { font-size: 1.5rem; }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .steps-grid::before { display: none; }

  .loan-grid { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }

  .form-row { grid-template-columns: 1fr; }
  .form-row.three-col { grid-template-columns: 1fr; }
  .form-body { padding: 1.5rem; }
  .form-progress-step .step-label { display: none; }
  .form-progress-step { padding: 0.75rem 0.5rem; min-width: 50px; }

  .loan-type-grid { grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); }
  .loan-type-option { padding: 1rem 0.75rem; }

  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; gap: 1rem; text-align: center; }
  .footer-legal { justify-content: center; }

  .cta-banner { padding: 3rem 1.5rem; }

  .about-values { grid-template-columns: 1fr; }
  .requirements-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-stats { flex-direction: column; gap: 1rem; }
  .hero-stat { display: flex; align-items: center; gap: 0.75rem; }
}