/* ===================================================
   Bernstein Private Wealth – Client Lending
   Brand Stylesheet (Updated)
   =================================================== */

@import url('https://fonts.googleapis.com/css2?family=Libre+Baskerville:ital,wght@0,400;0,700;1,400&display=swap');

@font-face {
  font-family: 'Klavika';
  src: local('Klavika Medium'), local('Klavika-Medium');
  font-weight: 500;
  font-style: normal;
}

/* ── CSS Custom Properties ── */
:root {
  --black: #1d1d1d;
  --white: #ffffff;
  --blue-dark: #046ea0;
  --blue-light: #20acfe;
  --gold: #f6c04d;
  --gray-light: #f4f4f4;
  --gray-mid: #e0e0e0;
  --gray-dark: #555555;
  --font-heading: 'Klavika', 'Arial', sans-serif;
  --font-sub: 'Arial', sans-serif;
  --font-body: 'Libre Baskerville', Georgia, serif;
  --transition: 0.25s ease;
  --shadow: 0 4px 24px rgba(0,0,0,0.12);
  --radius: 6px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font-body); color: var(--black); background: var(--white); line-height: 1.7; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ── Typography ── */
h1, .h1 { font-family: var(--font-heading); font-weight: 500; letter-spacing: -0.02em; line-height: 1.1; }
h2, .h2 { font-family: var(--font-sub); font-weight: 700; line-height: 1.2; }
h3, .h3 { font-family: var(--font-sub); font-weight: 700; line-height: 1.3; }
p { font-family: var(--font-body); }

/* ── Layout Utilities ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container--wide { max-width: 1400px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 100px 0; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.text-center { text-align: center; }
.text-white { color: var(--white); }
.bg-black { background: var(--black); }
.bg-white { background: var(--white); }
.bg-gray { background: var(--gray-light); }
.bg-blue { background: var(--blue-dark); }

/* ── Buttons (slightly rounded) ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 14px 28px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  border-radius: var(--radius);
}
.btn-primary { background: var(--blue-dark); color: var(--white); border-color: var(--blue-dark); }
.btn-primary:hover { background: var(--white); color: var(--blue-dark); border-color: var(--blue-dark); }
.btn-outline { background: transparent; color: var(--white); border-color: var(--white); }
.btn-outline:hover { background: var(--white); color: var(--black); }
.btn-gold { background: var(--gold); color: var(--black); border-color: var(--gold); }
.btn-gold:hover { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn-dark { background: var(--black); color: var(--white); border-color: var(--black); }
.btn-dark:hover { background: transparent; color: var(--black); border-color: var(--black); }
.btn-blue-light { background: var(--blue-light); color: var(--black); border-color: var(--blue-light); }
.btn-blue-light:hover { background: transparent; color: var(--blue-light); border-color: var(--blue-light); }

/* ═══════════════════════════════════════════
   NAV LOGO – stacked (logo above text)
═══════════════════════════════════════════ */
.nav-logo--stacked {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 3px;
  text-decoration: none;
}
.nav-logo--stacked .nav-logo-img {
  height: 48px;
  width: auto;
  display: block;
}
.nav-logo--stacked .nav-brand-sub {
  font-family: 'Klavika', 'Arial', sans-serif;
  font-size: 0.65rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  white-space: nowrap;
  line-height: 1;
}

/* ═══════════════════════════════════════════
   NAVIGATION – Homepage (absolute/transparent)
═══════════════════════════════════════════ */
.site-nav {
  position: absolute;
  top: 0; left: 0; right: 0;
  z-index: 100;
  padding: 20px 0;
  background: transparent;
}
.site-nav.scrolled {
  position: fixed;
  background: var(--black);
  padding: 14px 0;
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

/* ── Logo area ── */
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo-img {
  height: 48px;
  width: auto;
  display: block;
  object-fit: contain;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.nav-logo-text .brand-sub {
  font-family: var(--font-heading);
  font-size: 0.65rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  margin-top: 2px;
}
/* ── Nav links ── */
.nav-links {
  display: flex;
  gap: 28px;
  list-style: none;
}
.nav-links li {
  white-space: nowrap;
}
.nav-links a {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.85);
  transition: color var(--transition);
  white-space: nowrap;
}
.nav-links a:hover { color: var(--white); }
.nav-links a.active { color: var(--gold); }
.nav-cta { flex-shrink: 0; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); transition: var(--transition); }

/* ── Inner page nav: transparent dark overlay ── */
.site-nav.inner-nav {
  background: rgba(20, 20, 20, 0.72);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  position: fixed;
  padding: 14px 0;
}
.site-nav.inner-nav.scrolled {
  background: rgba(20, 20, 20, 0.95);
}

/* ── Mobile Menu ── */
.mobile-menu {
  position: fixed;
  inset: 0;
  background: var(--black);
  z-index: 200;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 24px;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}
.mobile-menu.open { opacity: 1; pointer-events: all; }
.mobile-menu a {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
}
.mobile-menu-close {
  position: absolute;
  top: 24px; right: 24px;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.8rem;
  cursor: pointer;
}

/* ═══════════════════════════════════════════
   HERO – Homepage
═══════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 680px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  filter: brightness(0.45);
  z-index: 0;
}
.hero .container { position: relative; z-index: 1; width: 100%; }
.hero-content {
  max-width: 640px;
  padding: 140px 0 80px;
  text-align: left;
}
.hero-eyebrow {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue-light);
  margin-bottom: 16px;
}
.hero h1 {
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.08;
}
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 32px;
  max-width: 520px;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* ═══════════════════════════════════════════
   METRICS BANNER
═══════════════════════════════════════════ */
.metrics-banner { background: var(--black); padding: 40px 0; }
.metrics-inner {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-left: 1px solid rgba(255,255,255,0.1);
}
.metric-item {
  padding: 24px 40px;
  border-right: 1px solid rgba(255,255,255,0.1);
  text-align: center;
}
.metric-label {
  font-family: var(--font-heading);
  font-size: 0.68rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}
.metric-number {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 500;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}
.metric-desc { font-size: 0.82rem; color: rgba(255,255,255,0.55); }

/* ═══════════════════════════════════════════
   WIZARD SECTION
═══════════════════════════════════════════ */
.wizard-section { background: var(--gray-light); padding: 80px 0; }
.wizard-header { text-align: center; margin-bottom: 48px; }
.wizard-header .eyebrow { color: var(--blue-dark); }
.wizard-header h2 { font-size: 2rem; margin-bottom: 12px; }
.wizard-header p { color: var(--gray-dark); max-width: 560px; margin: 0 auto; }

/* Wizard + Scheduler layout */
.wizard-flex-row {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 32px;
  align-items: start;
}

.wizard-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.wizard-progress {
  display: flex;
  border-bottom: 2px solid var(--gray-mid);
  background: var(--black);
}
.wizard-step-tab {
  flex: 1;
  padding: 16px 8px;
  text-align: center;
  font-family: var(--font-heading);
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  cursor: default;
  transition: var(--transition);
  border-bottom: 3px solid transparent;
}
.wizard-step-tab .step-num {
  display: block;
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255,255,255,0.3);
  margin-bottom: 4px;
}
.wizard-step-tab.active {
  color: var(--white);
  border-bottom-color: var(--gold);
}
.wizard-step-tab.active .step-num { color: var(--gold); }
.wizard-step-tab.completed { color: rgba(255,255,255,0.65); }
.wizard-step-tab.completed .step-num { color: var(--blue-light); }

.wizard-body { padding: 40px; }
.wizard-pane { display: none; }
.wizard-pane.active { display: block; }
.wizard-pane h3 { font-size: 1.3rem; margin-bottom: 8px; }
.pane-desc { color: var(--gray-dark); font-size: 0.9rem; margin-bottom: 28px; }

/* Loan type grid with images */
.loan-type-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}
.loan-type-btn {
  border: 2px solid var(--gray-mid);
  border-radius: var(--radius);
  overflow: hidden;
  cursor: pointer;
  transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
  text-align: center;
  background: var(--white);
}
.loan-type-btn:hover { border-color: var(--blue-dark); box-shadow: 0 4px 16px rgba(4,110,160,0.15); }
.loan-type-btn.selected { border-color: var(--blue-dark); background: rgba(4,110,160,0.05); box-shadow: 0 4px 16px rgba(4,110,160,0.2); }
/* Icon wrapper replaces lt-photo */
.lt-icon-wrap {
  width: 100%;
  height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(4,110,160,0.05);
  transition: background var(--transition);
}
.loan-type-btn:hover .lt-icon-wrap { background: rgba(4,110,160,0.1); }
.loan-type-btn.selected .lt-icon-wrap { background: rgba(4,110,160,0.12); }
.lt-svg-icon {
  width: 44px;
  height: 44px;
  stroke: #046ea0;
  transition: transform var(--transition);
}
.loan-type-btn:hover .lt-svg-icon { transform: scale(1.08); }
.loan-type-btn.selected .lt-svg-icon { stroke: var(--blue-dark); }
.lt-label {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--black);
  padding: 10px 8px;
  background: var(--white);
  transition: background var(--transition), color var(--transition);
}
.loan-type-btn.selected .lt-label { background: var(--blue-dark); color: var(--white); }

/* Form fields */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-row.single { grid-template-columns: 1fr; }
.form-row.triple { grid-template-columns: 1fr 1fr 1fr; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-family: var(--font-heading); font-size: 0.75rem; letter-spacing: 0.06em; text-transform: uppercase; color: var(--gray-dark); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 14px;
  border: 1px solid var(--gray-mid);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--black);
  background: var(--white);
  transition: border-color var(--transition);
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--blue-dark); }
.form-group textarea { resize: vertical; min-height: 100px; }

.wizard-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--gray-mid);
}
.step-indicator { font-family: var(--font-heading); font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gray-dark); }

/* Success state */
.wizard-success {
  display: none;
  text-align: center;
  padding: 60px 40px;
}
.wizard-success.visible { display: block; }
.success-icon { font-size: 3rem; margin-bottom: 16px; }

/* ── Scheduler Card ── */
.scheduler-card {
  background: var(--black);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  position: sticky;
  top: 100px;
}
.scheduler-card-header {
  background: var(--blue-dark);
  padding: 24px 28px;
}
.scheduler-card-header h3 {
  font-family: var(--font-heading);
  font-size: 1rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 6px;
}
.scheduler-card-header p { font-size: 0.85rem; color: rgba(255,255,255,0.75); }
.scheduler-card-body { padding: 24px 28px; }
.scheduler-card-body p { color: rgba(255,255,255,0.7); font-size: 0.88rem; margin-bottom: 20px; line-height: 1.6; }
.scheduler-perks { margin-bottom: 24px; }
.scheduler-perk {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
}
.scheduler-perk-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(32,172,254,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.scheduler-perk-icon svg { width: 16px; height: 16px; }
.scheduler-perk-text { font-size: 0.82rem; color: rgba(255,255,255,0.75); line-height: 1.5; }
.scheduler-perk-text strong { color: var(--white); font-family: var(--font-heading); font-size: 0.78rem; letter-spacing: 0.04em; display: block; margin-bottom: 2px; }
.calendly-embed {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  overflow: hidden;
  margin-top: 20px;
}
.calendly-embed iframe {
  width: 100%;
  height: 420px;
  border: none;
  display: block;
}
.scheduler-divider {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 20px 0;
}
.scheduler-divider::before,
.scheduler-divider::after { content: ''; flex: 1; height: 1px; background: rgba(255,255,255,0.15); }
.scheduler-divider span { font-family: var(--font-heading); font-size: 0.65rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.4); }

/* ── Book a Time button – bold, all caps, white text ── */
.btn-book-time {
  background: var(--blue-light);
  color: var(--white);
  border-color: var(--blue-light);
  border-radius: var(--radius);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.btn-book-time:hover { background: transparent; color: var(--blue-light); border-color: var(--blue-light); }

/* ── Wizard Intro Block (above the form) ── */
.wizard-intro-block {
  background: var(--white);
  border: 1px solid var(--gray-mid);
  border-left: 4px solid var(--blue-dark);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin-bottom: 20px;
  box-shadow: 0 2px 10px rgba(0,0,0,0.06);
}
.wizard-intro-inner {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.wizard-intro-icon {
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  background: rgba(4,110,160,0.07);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.wizard-intro-text h4 {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--black);
  margin-bottom: 6px;
}
.wizard-intro-text p {
  font-size: 0.85rem;
  color: var(--gray-dark);
  line-height: 1.6;
  margin-bottom: 10px;
}
.wizard-intro-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
}
.wizard-intro-checklist li {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-dark);
  display: flex;
  align-items: center;
  gap: 5px;
}

/* ═══════════════════════════════════════════
   INTRO / COLLATERAL SECTION
═══════════════════════════════════════════ */
.intro-section { background: var(--white); }
.intro-text-block h2 { font-size: 1.9rem; margin: 12px 0 16px; }
.intro-text-block p { color: #444; margin-bottom: 16px; font-size: 0.95rem; }
.collateral-card {
  background: var(--white);
  border: 1px solid var(--gray-mid);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.collateral-img { width: 100%; height: 320px; object-fit: cover; object-position: top; }
.collateral-body { padding: 24px; }
.collateral-body h3 { font-size: 1.1rem; margin: 8px 0 10px; }
.collateral-body p { font-size: 0.88rem; color: var(--gray-dark); margin-bottom: 16px; }

/* Contact box */
.contact-box {
  background: var(--black);
  color: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 20px;
}
.contact-box h4 {
  font-family: var(--font-heading);
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.contact-box p { font-size: 0.9rem; margin-bottom: 10px; display: flex; align-items: center; gap: 10px; }
.contact-box a { color: var(--blue-light); }
.contact-box a:hover { text-decoration: underline; }
/* Contact box CTA button – white text */
.contact-box .btn-primary {
  color: var(--white) !important;
}
.contact-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
}
.contact-icon svg { width: 18px; height: 18px; stroke: var(--white); fill: none; }

/* ═══════════════════════════════════════════
   LOAN TYPE CARDS
═══════════════════════════════════════════ */
.loan-cards-section { background: var(--gray-light); padding: 80px 0; }
.section-header { margin-bottom: 48px; }
.section-header .eyebrow { color: var(--blue-dark); margin-bottom: 8px; }
.section-header h2 { font-size: 2rem; }
.loan-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  border-top: 3px solid var(--blue-dark);
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition);
}
.loan-card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px rgba(0,0,0,0.14); }
.loan-card-img { width: 100%; height: 180px; object-fit: cover; }
.loan-card-body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.loan-card-body h3 {
  font-size: 1rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-family: var(--font-heading);
  margin-bottom: 10px;
  color: var(--black);
}
.loan-card-body p { font-size: 0.88rem; color: var(--gray-dark); margin-bottom: 16px; flex: 1; line-height: 1.6; }
.loan-card-link {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-dark);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition), color var(--transition);
  margin-top: auto;
}
.loan-card-link:hover { gap: 10px; color: var(--blue-light); }

/* ═══════════════════════════════════════════
   RESOURCES SECTION
═══════════════════════════════════════════ */
.resources-section { background: var(--white); }
.resource-card {
  background: var(--white);
  border: 1px solid var(--gray-mid);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  display: flex;
  flex-direction: column;
}
.resource-card-img { width: 100%; height: 160px; object-fit: cover; flex-shrink: 0; }
.resource-card-body {
  padding: 20px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.resource-card-body h3 { font-size: 1rem; margin: 8px 0 8px; }
.resource-card-body p { font-size: 0.86rem; color: var(--gray-dark); margin-bottom: 16px; flex: 1; }
/* Buttons pinned to bottom-left, consistent size */
.resource-card-body .btn,
.resource-card-body button.btn {
  align-self: flex-start;
  margin-top: auto;
  min-width: 160px;
  justify-content: center;
}
.resource-tag {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 3px 8px;
  border-radius: var(--radius);
}
.tag-pdf { background: rgba(4,110,160,0.1); color: var(--blue-dark); }
.tag-video { background: rgba(246,192,77,0.15); color: #9a7300; }

/* ═══════════════════════════════════════════
   CROSS-PAGE LINKS
═══════════════════════════════════════════ */
.cross-links { background: var(--gray-light); padding: 60px 0; }
.cross-links .section-header { margin-bottom: 32px; }
.cross-links .section-header h2 { font-size: 1.6rem; }
.cross-links-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.cross-link-item {
  background: var(--white);
  border: 1px solid var(--gray-mid);
  border-radius: var(--radius);
  padding: 20px 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: border-color var(--transition), box-shadow var(--transition);
  cursor: pointer;
}
.cross-link-item:hover { border-color: var(--blue-dark); box-shadow: 0 4px 16px rgba(4,110,160,0.12); }
.cross-link-item.active { border-color: var(--gold); background: rgba(246,192,77,0.05); }
.cl-icon { display: none; } /* hide emojis */
.cl-icon-svg {
  display: flex;
  align-items: center;
  margin-bottom: 2px;
}
.cl-icon-svg svg {
  transition: transform var(--transition);
}
.cross-link-item:hover .cl-icon-svg svg { transform: scale(1.1); }
.cl-label {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--black);
  font-weight: 700;
  line-height: 1.3;
}
.cl-arrow {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-dark);
  margin-top: 4px;
}
.cross-link-item.active .cl-arrow { color: var(--gold); }

/* ═══════════════════════════════════════════
   CTA BAND
═══════════════════════════════════════════ */
.cta-band {
  background: var(--blue-dark);
  padding: 64px 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); font-size: 2rem; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto 28px; font-size: 1rem; }
.btn-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ═══════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════ */
.site-footer { background: var(--black); color: var(--white); }
.footer-top { padding: 64px 0 40px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand .brand-name {
  font-family: var(--font-heading);
  font-size: 1rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 2px;
}
.footer-brand .brand-sub {
  font-family: var(--font-heading);
  font-size: 0.65rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}
.footer-brand p { font-size: 0.85rem; color: rgba(255,255,255,0.6); line-height: 1.7; }
.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: 0.88rem; color: rgba(255,255,255,0.65); transition: color var(--transition); }
.footer-col ul a:hover { color: var(--white); }
.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.4); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 0.78rem; color: rgba(255,255,255,0.4); transition: color var(--transition); }
.footer-bottom-links a:hover { color: var(--white); }

/* ═══════════════════════════════════════════
   INNER PAGES
═══════════════════════════════════════════ */
.inner-hero {
  position: relative;
  min-height: 440px;
  display: flex;
  align-items: flex-end;
  padding-bottom: 60px;
  overflow: hidden;
}
.inner-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  filter: brightness(0.38);
  z-index: 0;
}
.inner-hero .container { position: relative; z-index: 1; width: 100%; padding-top: 120px; }
.inner-hero-content {
  max-width: 680px;
  text-align: left;
}
.inner-hero-content .eyebrow {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue-light);
  margin-bottom: 12px;
}
.inner-hero-content h1 { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 16px; }
.inner-hero-content .hero-sub { color: rgba(255,255,255,0.8); font-size: 1rem; margin-bottom: 28px; line-height: 1.7; }
.inner-hero-content .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Inner page content grid */
.inner-content { padding: 64px 0; background: var(--white); }
.inner-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: start;
}
.inner-main { min-width: 0; }
.inner-main h2 { font-size: 1.8rem; margin-bottom: 12px; }
.inner-main p { color: #444; font-size: 0.95rem; margin-bottom: 16px; line-height: 1.7; }
.inner-main h3 { font-size: 1.2rem; margin: 28px 0 12px; }
.inner-main ul { margin-bottom: 20px; }
.inner-main ul li {
  font-size: 0.92rem;
  color: #444;
  padding: 8px 0 8px 20px;
  border-bottom: 1px solid var(--gray-mid);
  position: relative;
}
.inner-main ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 8px;
  height: 2px;
  background: var(--blue-dark);
}
.feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 28px 0;
}
.feature-item {
  background: var(--gray-light);
  border-radius: var(--radius);
  padding: 20px;
  border-left: 3px solid var(--blue-dark);
}
.feature-item h4 {
  font-family: var(--font-heading);
  font-size: 0.8rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-dark);
  margin-bottom: 8px;
}
.feature-item p { font-size: 0.86rem; color: var(--gray-dark); margin-bottom: 0; }

/* ── Sidebar form – reversed out (black bg, white text) ── */
.sidebar-form {
  background: var(--black);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  position: relative;
  top: auto;
  border-top: 4px solid var(--blue-light);
}
.sidebar-form h3 {
  font-family: var(--font-heading);
  font-size: 1rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 8px;
}
.sidebar-form .sf-desc { font-size: 0.85rem; color: rgba(255,255,255,0.65); margin-bottom: 20px; }
.sidebar-form .form-group { margin-top: 14px; }
.sidebar-form .form-group:first-child { margin-top: 0; }
.sidebar-form .form-group label { color: rgba(255,255,255,0.7); }
.sidebar-form .form-group input,
.sidebar-form .form-group select,
.sidebar-form .form-group textarea {
  background: var(--white);
  border-color: rgba(255,255,255,0.3);
  color: var(--black);
}
.sidebar-form .form-group input::placeholder { color: rgba(0,0,0,0.4); }
.sidebar-form .form-group input:focus,
.sidebar-form .form-group select:focus,
.sidebar-form .form-group textarea:focus { border-color: var(--blue-light); background: var(--white); }
.sidebar-form .form-group select option { background: var(--white); color: var(--black); }

/* ═══════════════════════════════════════════
   EYEBROW / BADGE
═══════════════════════════════════════════ */
.eyebrow {
  font-family: var(--font-heading);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-dark);
  margin-bottom: 8px;
  display: block;
}
.badge {
  display: inline-block;
  font-family: var(--font-heading);
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: var(--radius);
  background: rgba(4,110,160,0.1);
  color: var(--blue-dark);
  margin-bottom: 12px;
}
.gold-line { display: block; width: 48px; height: 3px; background: var(--gold); margin: 14px 0 20px; }

/* ═══════════════════════════════════════════
   MISC
═══════════════════════════════════════════ */
.quote-block {
  background: var(--black);
  color: var(--white);
  padding: 40px 48px;
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  margin: 32px 0;
}
.quote-block blockquote { font-family: var(--font-body); font-style: italic; font-size: 1.1rem; line-height: 1.7; color: rgba(255,255,255,0.9); margin-bottom: 14px; }
.quote-block cite { font-family: var(--font-heading); font-size: 0.75rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); }

.img-strip { position: relative; height: 280px; overflow: hidden; }
.img-strip img { width: 100%; height: 100%; object-fit: cover; }
.img-strip-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to right, rgba(29,29,29,0.7) 0%, transparent 60%);
  display: flex; align-items: center; padding: 0 48px;
}
.img-strip-overlay h2 { color: var(--white); font-size: 1.6rem; max-width: 400px; }

.video-thumb { position: relative; border-radius: var(--radius); overflow: hidden; cursor: pointer; }
.video-thumb img { width: 100%; display: block; }
.video-play { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; background: rgba(0,0,0,0.35); transition: var(--transition); }
.video-play:hover { background: rgba(0,0,0,0.5); }
.video-play-btn { width: 60px; height: 60px; background: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--blue-dark); }

/* Video Modal */
.video-modal { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.85); z-index: 500; align-items: center; justify-content: center; }
.video-modal.open { display: flex; }
.video-modal-inner { position: relative; width: 90%; max-width: 800px; }
.video-modal-inner iframe { width: 100%; aspect-ratio: 16/9; border: none; border-radius: var(--radius); }
.video-modal-close { position: absolute; top: -40px; right: 0; background: none; border: none; color: var(--white); font-size: 2rem; cursor: pointer; }

/* ═══════════════════════════════════════════
   FLOATING CTA BUTTON (inner pages)
═══════════════════════════════════════════ */
.floating-cta {
  display: none;
  position: fixed;
  bottom: 32px;
  right: 32px;
  z-index: 400;
  background: var(--blue-dark);
  color: var(--white);
  font-family: var(--font-heading);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 14px 22px;
  border-radius: var(--radius);
  box-shadow: 0 6px 24px rgba(4,110,160,0.45);
  transition: background var(--transition), transform 0.2s ease, box-shadow 0.2s ease;
  align-items: center;
  gap: 9px;
}
.floating-cta svg {
  width: 16px;
  height: 16px;
  stroke: var(--white);
  flex-shrink: 0;
}
.floating-cta:hover {
  background: var(--blue-light);
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(4,110,160,0.5);
  color: var(--white);
}
.floating-cta.visible { display: flex; }

/* ═══════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════ */
@media (max-width: 1100px) {
  .wizard-flex-row { grid-template-columns: 1fr; }
  .scheduler-card { position: static; }
}
@media (max-width: 1024px) {
  .inner-grid { grid-template-columns: 1fr; }
  .sidebar-form { position: static; }
  .cross-links-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .metrics-inner { grid-template-columns: 1fr; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .loan-type-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .form-row.triple { grid-template-columns: 1fr; }
  .cross-links-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .wizard-body { padding: 24px 16px; }
  .hero { min-height: 520px; }
  .hero-content { padding: 80px 0 48px; }
  .hero h1 { font-size: 2rem; }
}
@media (max-width: 480px) {
  .loan-type-grid { grid-template-columns: 1fr; }
  .cross-links-grid { grid-template-columns: 1fr 1fr; }
  .hero-actions { flex-direction: column; }
}

/* ═══════════════════════════════════════════
   ANIMATIONS
═══════════════════════════════════════════ */
@keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
.fade-up { animation: fadeUp 0.6s ease forwards; }
.fade-up-delay-1 { animation-delay: 0.15s; opacity: 0; }
.fade-up-delay-2 { animation-delay: 0.3s; opacity: 0; }
.fade-up-delay-3 { animation-delay: 0.45s; opacity: 0; }
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: none; }

.divider { height: 1px; background: var(--gray-mid); margin: 32px 0; }