/* ===================== TOKENS ===================== */
:root {
  --cream: #FAF6EC;
  --cream-dark: #F1E9D8;
  --blush: #F6D9E1;
  --blush-dark: #EFC0CC;
  --gold: #B8925A;
  --gold-light: #D9B87E;
  --gold-deep: #8C6F42;
  --ink: #211D17;
  --charcoal: #4A4339;
  --stone: #7A7266;
  --white: #FFFFFF;
  --radius: 18px;
  --radius-sm: 10px;
  --shadow: 0 20px 40px -20px rgba(33, 29, 23, 0.25);
  --shadow-sm: 0 10px 25px -12px rgba(33, 29, 23, 0.2);
  --font-serif: 'Fraunces', serif;
  --font-sans: 'Poppins', sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  color: var(--charcoal);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3 { font-family: var(--font-serif); color: var(--ink); font-weight: 600; line-height: 1.15; }
h1 { font-size: clamp(2.2rem, 4.2vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
h3 { font-size: 1.15rem; margin-bottom: 8px; }

em { font-style: italic; color: var(--gold); }

a { color: inherit; text-decoration: none; }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 14px;
}
.eyebrow.light { color: var(--gold-light); }

.section-head { max-width: 640px; margin: 0 auto 48px; text-align: center; }
.section-head p { color: var(--stone); margin-top: 14px; font-size: 1.02rem; }
.section-head.light p { color: rgba(255,255,255,0.75); }
.section-head.light h2 { color: var(--white); }

section { padding: 88px 0; }

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 28px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--ink); color: var(--white); }
.btn-primary:hover { background: var(--gold); box-shadow: var(--shadow-sm); }
.btn-outline { background: transparent; border-color: var(--ink); color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: var(--white); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--cream-dark); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-small { padding: 10px 18px; font-size: 0.85rem; }
.btn-full { width: 100%; }

/* ===================== HEADER ===================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250, 246, 236, 0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--cream-dark);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
  gap: 20px;
}
.logo {
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--ink);
  letter-spacing: -0.01em;
  display: flex;
  align-items: center;
}
.logo span { color: var(--gold); }
.logo-img { height: 48px; width: auto; display: block; }
.main-nav { display: flex; flex-wrap: wrap; gap: 12px 22px; flex: 1; justify-content: center; }
.main-nav a { font-size: 0.88rem; font-weight: 500; color: var(--charcoal); white-space: nowrap; }
.main-nav a:hover { color: var(--gold); }
.header-cta { display: flex; align-items: center; gap: 12px; }
.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; }
.nav-toggle span { width: 24px; height: 2px; background: var(--ink); }
.cta-short { display: none; }

/* ===================== HERO ===================== */
.hero { padding-top: 70px; padding-bottom: 60px; overflow: hidden; }
.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 60px;
}
.hero-copy .eyebrow { display: block; }
.hero-sub { font-size: 1.08rem; color: var(--stone); margin: 22px 0 32px; max-width: 520px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 44px; }
.hero-trust { display: flex; gap: 32px; flex-wrap: wrap; }
.trust-item { display: flex; flex-direction: column; }
.trust-item strong { font-family: var(--font-serif); font-size: 1.15rem; color: var(--ink); }
.trust-item span { font-size: 0.78rem; color: var(--stone); text-transform: uppercase; letter-spacing: 0.06em; }

.hero-media { position: relative; }
.hero-photo-frame {
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 10px solid var(--white);
  transform: rotate(1.5deg);
  background: var(--white);
}
.hero-photo { width: 100%; height: 100%; object-fit: cover; object-position: 58% 30%; display: block; }
.hero-badge {
  position: absolute;
  bottom: -18px;
  left: -18px;
  background: var(--ink);
  color: var(--white);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
  transform: rotate(-2deg);
}
.hero-badge-num { font-family: var(--font-serif); font-size: 1.6rem; color: var(--gold-light); font-weight: 700; }
.hero-badge-label { font-size: 0.78rem; max-width: 140px; opacity: 0.85; }

/* ===================== PERSONALIZED RATE QUOTE ===================== */
.rate-quote { background: linear-gradient(135deg, var(--blush) 0%, var(--cream) 100%); }
.rate-quote-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.rate-quote-copy p { color: var(--charcoal); margin: 16px 0 24px; max-width: 460px; }
.rate-quote-points { list-style: none; margin-bottom: 24px; }
.rate-quote-points li {
  padding: 8px 0 8px 28px;
  position: relative;
  font-size: 0.95rem;
  color: var(--charcoal);
}
.rate-quote-points li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.rate-quote-privacy { font-size: 0.85rem; color: var(--stone); }

.rate-quote-form {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
}
.rate-quote-form .field { margin-bottom: 16px; }
.rate-quote-form .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.rate-quote-form label { display: block; font-size: 0.85rem; margin-bottom: 6px; color: var(--stone); }
.rate-quote-form input, .rate-quote-form select {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  background: var(--cream);
  color: var(--ink);
}
.rate-quote-form input:focus, .rate-quote-form select:focus { outline: none; border-color: var(--gold); }

/* ===================== MORTGAGE SEARCH ===================== */
.mortgage-search { background: var(--cream-dark); }
.search-box { max-width: 760px; margin: 0 auto; }
.search-input-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--white);
  border: 2px solid var(--cream-dark);
  border-radius: 100px;
  padding: 14px 22px;
  box-shadow: var(--shadow-sm);
  transition: border-color 0.15s ease;
}
.search-input-wrap:focus-within { border-color: var(--gold); }
.search-input-wrap svg { color: var(--stone); flex-shrink: 0; }
.search-input-wrap input {
  flex: 1;
  border: none;
  outline: none;
  font-family: var(--font-sans);
  font-size: 1rem;
  background: transparent;
  color: var(--ink);
}
.search-chips { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-top: 20px; }
.search-chip {
  background: var(--white);
  border: 1px solid var(--cream-dark);
  border-radius: 100px;
  padding: 8px 16px;
  font-family: var(--font-sans);
  font-size: 0.85rem;
  color: var(--charcoal);
  cursor: pointer;
  transition: all 0.15s ease;
}
.search-chip:hover, .search-chip.active { background: var(--ink); color: var(--white); border-color: var(--ink); }
.search-results { margin-top: 28px; display: flex; flex-direction: column; gap: 14px; }
.search-result-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  box-shadow: var(--shadow-sm);
  text-align: left;
}
.search-result-card h4 { font-family: var(--font-sans); font-size: 1rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.search-result-card p { font-size: 0.9rem; color: var(--stone); margin-bottom: 10px; }
.search-result-card a { font-size: 0.85rem; font-weight: 600; color: var(--gold); }
.search-empty { text-align: center; color: var(--stone); font-size: 0.92rem; padding: 10px 0; }
.search-empty a { color: var(--gold); font-weight: 600; }

/* ===================== TODAY'S RATES ===================== */
.rates-table { max-width: 720px; margin: 0 auto; background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.rate-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 28px;
  border-bottom: 1px solid var(--cream-dark);
}
.rate-row:last-child { border-bottom: none; }
.rate-row-label { font-weight: 500; color: var(--ink); }
.rate-row-note { display: block; font-size: 0.78rem; color: var(--stone); margin-top: 2px; }
.rate-row-value { font-family: var(--font-serif); font-size: 1.5rem; font-weight: 700; color: var(--gold); }
.rates-updated { text-align: center; font-size: 0.82rem; color: var(--stone); margin-top: 18px; }
.rates-disclaimer { text-align: center; font-size: 0.76rem; color: var(--stone); max-width: 620px; margin: 8px auto 0; opacity: 0.8; }

/* ===================== RATE HISTORY ===================== */
.rate-history { background: var(--cream-dark); }

.rate-history-card {
  max-width: 860px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 36px 40px 32px;
}

.rate-history-readout {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 14px;
  margin-bottom: 18px;
}
.rate-history-year { font-family: var(--font-serif); font-size: 1.3rem; font-weight: 700; color: var(--ink); }
.rate-history-rate { font-family: var(--font-serif); font-size: 2.4rem; font-weight: 700; color: var(--gold); }

.rate-history-chart-wrap { width: 100%; margin-bottom: 16px; }
.rate-history-chart { width: 100%; height: 180px; display: block; overflow: visible; }
.rh-area { fill: var(--gold-light); opacity: 0.2; }
.rh-line { fill: none; stroke: var(--gold); stroke-width: 2.5; }
.rh-marker-line { stroke: var(--stone); stroke-width: 1; stroke-dasharray: 3 3; }
.rh-marker-dot { fill: var(--gold-deep); stroke: var(--white); stroke-width: 2; }

.rate-history-hint {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  width: fit-content;
  margin: 0 auto 14px;
  padding: 6px 16px;
  background: var(--gold-light);
  color: var(--ink);
  font-size: 0.78rem;
  font-weight: 600;
  border-radius: 999px;
  animation: rhHintBounce 1.4s ease-in-out 3;
  transition: opacity 0.3s ease;
}
.rate-history-hint.hidden { opacity: 0; }
@keyframes rhHintBounce {
  0%, 100% { transform: translateX(0); }
  50% { transform: translateX(5px); }
}

.rate-history-slider {
  width: 100%;
  margin: 8px 0 10px;
  -webkit-appearance: none;
  appearance: none;
  height: 10px;
  border-radius: 5px;
  background: linear-gradient(to right, var(--gold) var(--rh-progress, 100%), var(--cream-dark) var(--rh-progress, 100%));
  outline: none;
  cursor: pointer;
}
.rate-history-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--gold);
  border: 4px solid var(--white);
  box-shadow: 0 4px 14px rgba(184, 146, 90, 0.55), var(--shadow-sm);
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.rate-history-slider:hover::-webkit-slider-thumb,
.rate-history-slider:active::-webkit-slider-thumb {
  transform: scale(1.15);
  box-shadow: 0 6px 18px rgba(184, 146, 90, 0.7), var(--shadow-sm);
}
.rate-history-slider::-moz-range-track {
  height: 10px;
  border-radius: 5px;
  background: var(--cream-dark);
}
.rate-history-slider::-moz-range-progress {
  height: 10px;
  border-radius: 5px;
  background: var(--gold);
}
.rate-history-slider::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--gold);
  border: 4px solid var(--white);
  box-shadow: 0 4px 14px rgba(184, 146, 90, 0.55), var(--shadow-sm);
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.rate-history-slider:hover::-moz-range-thumb,
.rate-history-slider:active::-moz-range-thumb {
  transform: scale(1.15);
}
.rate-history-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.76rem;
  color: var(--stone);
  margin-bottom: 20px;
}

.rate-history-context {
  background: var(--cream);
  border-radius: var(--radius-sm);
  padding: 18px 22px;
  min-height: 70px;
  display: flex;
  align-items: center;
}
.rate-history-context p { font-size: 0.94rem; color: var(--charcoal); line-height: 1.55; margin: 0; }

.rate-history-disclaimer { text-align: center; font-size: 0.76rem; color: var(--stone); max-width: 620px; margin: 18px auto 0; opacity: 0.8; }

.rate-signup {
  max-width: 720px;
  margin: 40px auto 0;
  background: var(--blush);
  border-radius: var(--radius);
  padding: 28px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.rate-signup-copy h3 { margin-bottom: 4px; }
.rate-signup-copy p { font-size: 0.88rem; color: var(--charcoal); }
.rate-signup-form { display: flex; gap: 10px; flex-wrap: wrap; }
.rate-signup-form input {
  padding: 12px 16px;
  border-radius: 100px;
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.92rem;
  min-width: 220px;
  background: var(--white);
  color: var(--ink);
}
.rate-signup-form input:focus { outline: none; border-color: var(--gold); }

/* ===================== APPLY NOW / CALLBACK ===================== */
.apply-now { background: var(--cream-dark); }
.apply-now-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.apply-now-copy p { color: var(--charcoal); margin: 16px 0 24px; max-width: 460px; }
.apply-now-points { list-style: none; margin-bottom: 24px; }
.apply-now-points li {
  padding: 8px 0 8px 28px;
  position: relative;
  font-size: 0.95rem;
  color: var(--charcoal);
}
.apply-now-points li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.apply-now-form {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
}
.apply-now-form .field { margin-bottom: 16px; }
.apply-now-form .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.apply-now-form label { display: block; font-size: 0.85rem; margin-bottom: 6px; color: var(--stone); }
.apply-now-form input, .apply-now-form select {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  background: var(--cream);
  color: var(--ink);
}
.apply-now-form input:focus, .apply-now-form select:focus { outline: none; border-color: var(--gold); }

/* ===================== TRUST BAR ===================== */
.trust-bar { background: var(--ink); padding: 22px 0; }
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  text-align: center;
}
.trust-bar-inner strong { color: var(--gold-light); }
.divider { width: 4px; height: 4px; border-radius: 50%; background: var(--gold-light); }

.lender-strip { margin-top: 18px; padding-top: 18px; border-top: 1px solid rgba(255, 255, 255, 0.1); text-align: center; }
.lender-strip-label { display: block; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255, 255, 255, 0.45); margin-bottom: 14px; }

/* The strip auto-scrolls: .lender-logos is the clipped viewport (with a
   fade at each edge), .lender-logos-track is the flex row that animates
   left, and it contains two identical .lender-logos-set copies of the
   lenders back to back so that when the track has scrolled exactly one
   set's width, it can snap back to 0% with no visible seam — giving the
   illusion of a single continuously scrolling list. */
.lender-logos {
  overflow: hidden;
  width: 100%;
  -webkit-mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
  mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
}
.lender-logos-track {
  display: flex;
  width: max-content;
  animation: lender-scroll 34s linear infinite;
}
.lender-logos:hover .lender-logos-track { animation-play-state: paused; }
.lender-logos-set { display: flex; align-items: center; gap: 34px; flex-shrink: 0; padding-right: 34px; }

@keyframes lender-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

@media (prefers-reduced-motion: reduce) {
  .lender-logos-track { animation: none; }
  .lender-logos { overflow-x: auto; }
}

/* Each lender is a tile that shows the real logo image once it exists at
   lender-logos/<file>.png (see the README in that folder for exact
   filenames/specs). Until then, the <img>'s onerror handler adds
   .lender-logo-missing to the tile, which hides the broken image and shows
   the plain-text fallback below instead — so the strip never shows a broken
   image icon, before or after logos are added. */
.lender-logo-tile { display: flex; align-items: center; justify-content: center; height: 34px; }
.lender-logo-tile img {
  max-height: 34px;
  max-width: 120px;
  width: auto;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.75;
  transition: opacity 0.15s ease;
}
.lender-logo-tile img:hover { opacity: 1; }
.lender-logo-tile.lender-logo-missing img { display: none; }
.lender-logo-fallback { display: none; }
.lender-logo-tile.lender-logo-missing .lender-logo-fallback {
  display: inline-block;
  font-family: var(--font-serif);
  font-size: 0.95rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.7);
  letter-spacing: 0.02em;
  transition: color 0.15s ease;
}
.lender-logo-tile.lender-logo-missing:hover .lender-logo-fallback { color: var(--gold-light); }

/* ===================== SERVICES ===================== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease;
}
.service-card:hover { transform: translateY(-6px); }
.service-icon { font-size: 1.8rem; margin-bottom: 14px; }
.service-card p { color: var(--stone); font-size: 0.94rem; }

/* ===================== CALCULATOR ===================== */
.calculator-section { background: var(--ink); color: var(--white); }

.calc-toggle { display: flex; justify-content: center; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }
.calc-toggle-btn {
  padding: 12px 26px;
  border-radius: 100px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  background: transparent;
  color: rgba(255, 255, 255, 0.75);
  font-weight: 600;
  font-size: 0.92rem;
  font-family: var(--font-sans);
  cursor: pointer;
  transition: background 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}
.calc-toggle-btn:hover { border-color: var(--gold); color: var(--white); }
.calc-toggle-btn.active { background: var(--gold); border-color: var(--gold); color: var(--ink); }

.calc-panel { display: none; }
.calc-panel.active { display: block; animation: quizFadeIn 0.3s ease; }

.calc-card {
  background: var(--charcoal);
  border-radius: var(--radius);
  padding: 40px;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  max-width: 960px;
  margin: 0 auto;
  box-shadow: var(--shadow);
}
.calc-form .field { margin-bottom: 18px; }
.calc-form label { display: block; font-size: 0.85rem; margin-bottom: 6px; color: rgba(255,255,255,0.75); }
.calc-form input {
  width: 100%;
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.15);
  background: rgba(255,255,255,0.06);
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.95rem;
}
.calc-form input::placeholder { color: rgba(255,255,255,0.35); }
.calc-form input:focus { outline: none; border-color: var(--gold-light); }
.calc-form select {
  width: 100%;
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.15);
  background: rgba(255,255,255,0.06);
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 0.95rem;
}
.calc-form select:focus { outline: none; border-color: var(--gold-light); }
.calc-form select option { background: var(--charcoal); color: var(--white); }

.field-checkbox label { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: rgba(255, 255, 255, 0.85); cursor: pointer; }
.field-checkbox input[type="checkbox"] { width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--gold); cursor: pointer; }

.calc-inline-link {
  background: none;
  border: none;
  padding: 0;
  color: var(--gold-light);
  font-weight: 600;
  font-size: inherit;
  font-family: inherit;
  cursor: pointer;
  text-decoration: none;
}
.calc-inline-link:hover { text-decoration: underline; }

.calc-result {
  background: var(--ink);
  border-radius: var(--radius-sm);
  padding: 32px 26px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border: 1px solid rgba(255,255,255,0.08);
}
.calc-result-label { font-size: 0.82rem; color: rgba(255,255,255,0.6); margin-bottom: 8px; }
.calc-result-value { font-family: var(--font-serif); font-size: 2.6rem; color: var(--gold-light); font-weight: 700; }
.calc-result-note { font-size: 0.82rem; color: rgba(255,255,255,0.55); margin-top: 16px; }
.calc-result-note a { color: var(--gold-light); font-weight: 600; }

/* ===================== QUICK PRE-QUALIFY QUIZ ===================== */
.prequalify { background: var(--cream); }

.quiz-card {
  max-width: 620px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px 44px;
}

.quiz-progress { height: 6px; background: var(--cream-dark); border-radius: 3px; overflow: hidden; margin-bottom: 10px; }
.quiz-progress-bar { height: 100%; background: var(--gold); width: 25%; border-radius: 3px; transition: width 0.3s ease; }
.quiz-step-count { font-size: 0.76rem; color: var(--stone); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 28px; }

.quiz-step { display: none; }
.quiz-step.active { display: block; animation: quizFadeIn 0.3s ease; }
@keyframes quizFadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.quiz-question { font-family: var(--font-serif); font-size: 1.4rem; color: var(--ink); margin-bottom: 8px; }
.quiz-hint { font-size: 0.88rem; color: var(--stone); margin-bottom: 22px; }

.quiz-input-row {
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--cream-dark);
  border-radius: var(--radius-sm);
  padding: 4px 16px;
  margin-bottom: 10px;
  background: var(--cream);
}
.quiz-input-prefix, .quiz-input-suffix { color: var(--stone); font-weight: 600; font-size: 1.05rem; }
.quiz-input-row input {
  border: none;
  background: transparent;
  outline: none;
  flex: 1;
  font-size: 1.4rem;
  font-family: var(--font-serif);
  color: var(--ink);
  padding: 12px 4px;
}
.quiz-error { color: #B23A3A; font-size: 0.82rem; margin-bottom: 12px; }

.quiz-step-actions { display: flex; gap: 12px; margin-top: 6px; }
.quiz-step-actions .quiz-back { flex: 0 0 auto; }
.quiz-step-actions .quiz-next { flex: 1; }

.quiz-options { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 24px; }
.quiz-option {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--cream-dark);
  background: var(--cream);
  font-weight: 600;
  color: var(--ink);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.quiz-option span { font-weight: 400; font-size: 0.8rem; color: var(--stone); }
.quiz-option:hover { border-color: var(--gold); }
.quiz-option.selected { border-color: var(--gold); background: var(--gold-light); }

.quiz-result { text-align: center; }
.quiz-result-label { display: block; font-size: 0.9rem; color: var(--stone); margin-bottom: 10px; }
.quiz-result-value { display: block; font-family: var(--font-serif); font-size: 2.6rem; font-weight: 700; color: var(--gold); margin-bottom: 14px; }
.quiz-result-detail { font-size: 0.94rem; color: var(--charcoal); line-height: 1.55; margin-bottom: 10px; }
.quiz-result-disclaimer { font-size: 0.76rem; color: var(--stone); opacity: 0.85; margin-bottom: 28px; }

.quiz-cta { background: var(--cream); border-radius: var(--radius-sm); padding: 26px 24px; text-align: left; margin-bottom: 18px; }
.quiz-cta h4 { font-family: var(--font-serif); font-size: 1.1rem; color: var(--ink); margin-bottom: 6px; }
.quiz-cta p { font-size: 0.88rem; color: var(--stone); margin-bottom: 16px; }
.quiz-cta-form { display: flex; flex-direction: column; gap: 10px; }
.quiz-cta-form input {
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.95rem;
}

.quiz-restart { background: none; border: none; color: var(--stone); font-size: 0.85rem; text-decoration: underline; cursor: pointer; }
.quiz-restart:hover { color: var(--gold); }

/* ===================== ABOUT ===================== */
.about-inner {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 60px;
  align-items: center;
}
.about-media {
  width: 100%;
  aspect-ratio: 1 / 1;
  border-radius: 50%;
  overflow: hidden;
  border: 10px solid var(--blush);
  box-shadow: var(--shadow-sm);
  max-width: 340px;
  margin: 0 auto;
  position: relative;
}
.about-photo-source {
  position: absolute;
  width: 117.7%;
  max-width: none;
  top: -2.9%;
  left: -16.5%;
}
.about-list { list-style: none; margin: 24px 0 32px; }
.about-list li {
  padding: 10px 0 10px 28px;
  position: relative;
  color: var(--charcoal);
  font-size: 0.95rem;
  border-bottom: 1px solid var(--cream-dark);
}
.about-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.about-copy p { color: var(--stone); margin-bottom: 16px; }

/* ===================== PROCESS ===================== */
.process { background: var(--cream-dark); }
.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.process-num { font-family: var(--font-serif); font-size: 2.2rem; color: var(--blush-dark); font-weight: 700; display: block; margin-bottom: 8px; }
.process-step p { color: var(--stone); font-size: 0.92rem; }

/* ===================== RESOURCES / FAQ ===================== */
.faq-categories { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }

.faq-category {
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.faq-category-header {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: none;
  border: none;
  padding: 20px 26px;
  cursor: pointer;
  font-family: var(--font-sans);
}

.faq-category-title { font-weight: 600; font-size: 1.05rem; color: var(--ink); }

.faq-category-meta { display: flex; align-items: center; gap: 14px; }

.faq-category-count {
  font-size: 0.78rem;
  color: var(--stone);
  background: var(--cream-dark);
  border-radius: 100px;
  padding: 3px 10px;
}

.faq-category-chevron {
  color: var(--gold);
  font-size: 0.9rem;
  transition: transform 0.2s ease;
}

.faq-category.open .faq-category-chevron { transform: rotate(180deg); }

.faq-category-body {
  padding: 0 26px 22px;
  border-top: 1px solid var(--cream-dark);
}
.faq-category-body[hidden] { display: none; }

.faq-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0 48px; align-items: start; padding-top: 6px; }
.faq-item { border-bottom: 1px solid var(--cream-dark); }
.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 22px 4px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  gap: 20px;
}
.faq-icon { font-size: 1.3rem; color: var(--gold); flex-shrink: 0; transition: transform 0.2s ease; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
}
.faq-answer p { padding: 0 4px 22px; color: var(--stone); font-size: 0.95rem; max-width: 640px; }
.faq-item.open .faq-answer { max-height: 220px; }

/* ===================== TESTIMONIALS (CHAT BUBBLES) ===================== */
.testimonials { background: var(--blush); }

.testimonial-chat {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.chat-bubble-wrap {
  display: flex;
  align-items: flex-end;
  gap: 10px;
  width: 100%;
}
.chat-bubble-wrap.chat-right { flex-direction: row-reverse; }

.chat-avatar {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 0.82rem;
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.avatar-conv1 { background: var(--gold); }
.avatar-conv2 { background: var(--blush-dark); color: var(--ink); }

.chat-bubble-item {
  max-width: calc(100% - 40px);
  padding: 14px 18px;
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
}
.chat-left .chat-bubble-item { border-bottom-left-radius: 4px; }
.chat-right .chat-bubble-item { border-bottom-right-radius: 4px; }

.chat-bubble-item p {
  font-style: italic;
  font-size: 0.94rem;
  line-height: 1.55;
  margin-bottom: 8px;
}
.chat-sender { font-size: 0.72rem; font-weight: 600; opacity: 0.85; }

/* Each column keeps its own two-tone palette so the two threads read as
   separate, independent conversations rather than a shared color set. */
.bubble-conv1-a { background: var(--gold-light); color: var(--ink); }
.bubble-conv1-b { background: var(--gold); color: var(--white); }
.bubble-conv1-b .chat-sender { color: var(--cream); opacity: 1; }
.bubble-conv1-c { background: var(--gold-deep); color: var(--white); }
.bubble-conv1-c .chat-sender { color: var(--cream); opacity: 1; }

.bubble-conv2-a { background: var(--stone); color: var(--white); }
.bubble-conv2-a .chat-sender { color: var(--cream); opacity: 1; }
.bubble-conv2-b { background: var(--ink); color: var(--white); }
.bubble-conv2-b .chat-sender { color: var(--gold-light); opacity: 1; }

.testimonial-disclaimer { text-align: center; font-size: 0.78rem; color: var(--stone); margin-top: 28px; opacity: 0.75; }

/* ===================== CONTACT ===================== */
.contact { background: var(--ink); color: var(--white); }
.contact-copy h2 { color: var(--white); }
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
}
.contact-copy p { color: rgba(255,255,255,0.7); margin: 16px 0 32px; max-width: 420px; }
.contact-details { display: flex; flex-direction: column; gap: 18px; }
.contact-detail { display: flex; flex-direction: column; gap: 2px; }
.contact-detail-label { font-size: 0.78rem; color: var(--gold-light); text-transform: uppercase; letter-spacing: 0.06em; }
.contact-detail-value { font-size: 1.05rem; font-weight: 500; }

.contact-form {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  color: var(--charcoal);
  box-shadow: var(--shadow);
}
.contact-form .field { margin-bottom: 16px; }
.contact-form label { display: block; font-size: 0.85rem; margin-bottom: 6px; color: var(--stone); }
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  background: var(--cream);
  color: var(--ink);
}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { outline: none; border-color: var(--gold); }
.form-note { margin-top: 14px; font-size: 0.85rem; text-align: center; color: var(--gold); min-height: 1.2em; }

/* ===================== FOOTER ===================== */
.site-footer { background: var(--ink); color: rgba(255,255,255,0.7); padding-top: 0; }
.footer-inner {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 40px 24px 30px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 18px;
}
.footer-brand { display: flex; align-items: center; gap: 12px; }
.footer-logo-img { height: 40px; width: auto; display: block; }
.footer-logo { font-size: 1.2rem; color: var(--white); }
.footer-brand p { font-size: 0.82rem; color: rgba(255,255,255,0.5); margin-top: 4px; }
.footer-links { display: flex; gap: 22px; flex-wrap: wrap; justify-content: center; font-size: 0.85rem; }
.footer-links a:hover { color: var(--gold-light); }
.footer-social { display: flex; gap: 22px; flex-wrap: wrap; justify-content: center; }
.footer-social a {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
  transition: color 0.15s ease;
}
.footer-social a:hover { color: var(--gold-light); }
.footer-brokerage { display: flex; flex-direction: column; align-items: center; gap: 8px; }
.footer-brokerage-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.4); }
.dlc-logo { height: 64px; width: auto; border-radius: 4px; }
.footer-disclosure { font-size: 0.72rem; max-width: 760px; color: rgba(255,255,255,0.4); line-height: 1.6; }
.footer-copyright { font-size: 0.78rem; color: rgba(255,255,255,0.4); }

/* ===================== RESPONSIVE ===================== */
@media (max-width: 980px) {
  .hero-inner, .about-inner, .contact-inner, .rate-quote-inner, .apply-now-inner { grid-template-columns: 1fr; }
  .about-media { order: -1; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-card { grid-template-columns: 1fr; }
  .faq-list { grid-template-columns: 1fr; }
  .chat-bubble-wrap { max-width: 100%; flex-basis: 100%; }
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--cream);
    flex-direction: column;
    align-items: center;
    gap: 0;
    border-bottom: 1px solid var(--cream-dark);
    box-shadow: var(--shadow-sm);
  }
  .main-nav.open { display: flex; }
  .main-nav a { width: 100%; text-align: center; padding: 16px; border-bottom: 1px solid var(--cream-dark); }
  .nav-toggle { display: flex; }
  .nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle.active span:nth-child(2) { opacity: 0; }
  .nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

@media (max-width: 640px) {
  section { padding: 60px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .rate-quote-form { padding: 26px; }
  .rate-quote-form .field-row { grid-template-columns: 1fr; }
  .header-cta { flex-wrap: wrap; justify-content: flex-end; gap: 8px; }
  .header-cta .btn-ghost.btn-small span { display: none; }
  .cta-full { display: none; }
  .cta-short { display: inline; }
  .apply-now-form { padding: 26px; }
  .apply-now-form .field-row { grid-template-columns: 1fr; }
  .hero-trust { gap: 20px; }
  .calc-card { padding: 26px; }
  .quiz-card { padding: 28px 22px; }
  .quiz-options { grid-template-columns: 1fr; }
  .quiz-result-value { font-size: 2.1rem; }
  .calc-toggle-btn { padding: 10px 18px; font-size: 0.85rem; }
  .contact-form { padding: 26px; }
  .rate-row { padding: 16px 20px; }
  .rate-history-card { padding: 24px 22px; }
  .rate-history-rate { font-size: 1.9rem; }
  .rate-signup { flex-direction: column; text-align: center; padding: 24px; }
  .rate-signup-form { width: 100%; }
  .rate-signup-form input { flex: 1; min-width: 0; }
  .chat-panel {
    width: calc(100vw - 32px);
    height: calc(100vh - 120px);
    max-height: 560px;
    right: -6px;
    bottom: 74px;
  }
  .chat-bubble { width: 56px; height: 56px; }
  .chat-avatar { width: 34px; height: 34px; font-size: 0.9rem; }
  .chat-bubble-item { max-width: 86%; padding: 16px 18px; }
}

/* ===================== CHAT WIDGET ===================== */
.chat-widget {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 999;
}

.chat-bubble {
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  border: none;
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease;
}

.chat-bubble:hover { background: var(--gold-light); transform: translateY(-2px); }

.chat-bubble-icon-close { display: none; }

.chat-widget.open .chat-bubble-icon-open { display: none; }
.chat-widget.open .chat-bubble-icon-close { display: block; }

.chat-panel {
  position: absolute;
  right: 0;
  bottom: 78px;
  width: 360px;
  height: 500px;
  max-height: 70vh;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--cream-dark);
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.chat-panel[hidden] { display: none; }

.chat-panel-header {
  background: var(--ink);
  color: var(--white);
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-shrink: 0;
}

.chat-panel-title {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.05rem;
}

.chat-panel-subtitle {
  display: block;
  font-size: 0.75rem;
  color: var(--gold-light);
  margin-top: 2px;
}

.chat-panel-close {
  background: none;
  border: none;
  color: var(--white);
  opacity: 0.8;
  cursor: pointer;
  display: flex;
  padding: 4px;
}

.chat-panel-close:hover { opacity: 1; }

.chat-messages {
  flex: 1;
  overflow-y: auto;
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: var(--cream);
}

.chat-msg {
  max-width: 85%;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  line-height: 1.5;
}

.chat-msg-assistant {
  align-self: flex-start;
  background: var(--white);
  border: 1px solid var(--cream-dark);
  color: var(--charcoal);
  border-bottom-left-radius: 4px;
}

.chat-msg-user {
  align-self: flex-end;
  background: var(--gold);
  color: var(--white);
  border-bottom-right-radius: 4px;
}

.chat-msg-link {
  display: inline-block;
  margin-top: 6px;
  color: var(--gold);
  font-weight: 600;
  text-decoration: none;
}

.chat-msg-link:hover { text-decoration: underline; }

.chat-msg-typing {
  align-self: flex-start;
  background: var(--white);
  border: 1px solid var(--cream-dark);
  border-bottom-left-radius: 4px;
  display: flex;
  gap: 4px;
  padding: 12px 14px;
}

.chat-msg-typing span {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--stone);
  animation: chatTypingBounce 1.2s infinite ease-in-out;
}

.chat-msg-typing span:nth-child(2) { animation-delay: 0.15s; }
.chat-msg-typing span:nth-child(3) { animation-delay: 0.3s; }

@keyframes chatTypingBounce {
  0%, 60%, 100% { transform: translateY(0); opacity: 0.5; }
  30% { transform: translateY(-4px); opacity: 1; }
}

.chat-input-row {
  display: flex;
  gap: 8px;
  padding: 12px;
  border-top: 1px solid var(--cream-dark);
  flex-shrink: 0;
  background: var(--white);
}

.chat-input-row input {
  flex: 1;
  min-width: 0;
  padding: 10px 14px;
  border-radius: 999px;
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.9rem;
  background: var(--cream);
  color: var(--charcoal);
}

.chat-input-row input:focus {
  outline: none;
  border-color: var(--gold);
}

.chat-send-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-shrink: 0;
  transition: background 0.2s ease;
}

.chat-send-btn:hover { background: var(--gold-light); }
.chat-send-btn:disabled { opacity: 0.5; cursor: not-allowed; }

.chat-disclaimer {
  font-size: 0.68rem;
  color: var(--stone);
  text-align: center;
  padding: 6px 10px 10px;
  flex-shrink: 0;
}

/* ===================== FIRST-TIME BUYER EXTRAS ===================== */

/* -- Why Start Here (value strip) -- */
.value-strip { background: var(--cream-dark); padding: 40px 0; }
.value-strip-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.value-strip-item { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 4px; }
.value-strip-icon { font-size: 1.6rem; margin-bottom: 6px; }
.value-strip-item strong { font-family: var(--font-serif); font-size: 1.02rem; color: var(--ink); }
.value-strip-item span { font-size: 0.85rem; color: var(--stone); }

/* -- Homebuying Roadmap -- */
.roadmap-track {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 18px;
  position: relative;
}
.roadmap-step { display: flex; flex-direction: column; align-items: center; text-align: center; }
.roadmap-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.05rem;
  margin-bottom: 14px;
  flex-shrink: 0;
}
.roadmap-step h3 { font-size: 1rem; margin-bottom: 6px; }
.roadmap-step p { font-size: 0.85rem; color: var(--stone); }

/* -- FHSA vs RRSP HBP vs TFSA table -- */
.savings-table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.savings-table { width: 100%; border-collapse: collapse; background: var(--white); min-width: 640px; }
.savings-table th, .savings-table td { padding: 16px 18px; text-align: left; font-size: 0.9rem; border-bottom: 1px solid var(--cream-dark); }
.savings-table th { font-family: var(--font-serif); font-size: 1rem; color: var(--ink); background: var(--cream-dark); }
.savings-table td:first-child { font-weight: 600; color: var(--ink); white-space: nowrap; }
.savings-table tbody tr:last-child td { border-bottom: none; }
.savings-table-note { margin-top: 18px; font-size: 0.88rem; color: var(--stone); max-width: none; }

/* -- Pre-Qualify / Savings Goal toggle (light-background pill, distinct from
   the dark .calc-toggle used in the main calculator section) -- */
.tool-toggle { display: flex; justify-content: center; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }
.tool-toggle-btn {
  padding: 12px 26px;
  border-radius: 100px;
  border: 1px solid var(--cream-dark);
  background: var(--white);
  color: var(--stone);
  font-weight: 600;
  font-size: 0.92rem;
  font-family: var(--font-sans);
  cursor: pointer;
  transition: background 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}
.tool-toggle-btn:hover { border-color: var(--gold); color: var(--ink); }
.tool-toggle-btn.active { background: var(--gold); border-color: var(--gold); color: var(--white); }

.tool-panel { display: none; }
.tool-panel.active { display: block; animation: quizFadeIn 0.3s ease; }

/* -- Savings Goal Calculator -- */
.savings-goal-card {
  max-width: 640px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}
.savings-goal-inputs .field { margin-bottom: 16px; }
.savings-goal-inputs label { display: block; font-size: 0.85rem; margin-bottom: 6px; color: var(--stone); }
.savings-goal-result {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--cream-dark);
  text-align: center;
}
.savings-goal-result-label { display: block; font-size: 0.85rem; color: var(--stone); margin-bottom: 6px; }
.savings-goal-result-value { display: block; font-family: var(--font-serif); font-size: 2rem; color: var(--gold-deep); font-weight: 600; }
.savings-goal-result-detail { margin-top: 10px; font-size: 0.88rem; color: var(--stone); }

/* -- Common Mistakes (reuses .services-grid / .service-card) -- */
.mistakes { background: var(--cream-dark); }

/* -- Downloadable Checklist Lead Magnet -- */
.lead-magnet { background: var(--ink); color: var(--white); }
.lead-magnet-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}
.lead-magnet-copy p { color: rgba(255, 255, 255, 0.72); margin: 16px 0 22px; max-width: 440px; }
.lead-magnet-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.lead-magnet-list li { font-size: 0.95rem; color: rgba(255, 255, 255, 0.85); padding-left: 26px; position: relative; }
.lead-magnet-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold-light);
  font-weight: 700;
}
.lead-magnet-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px;
  color: var(--charcoal);
  box-shadow: var(--shadow);
}
.lead-magnet-form .field { margin-bottom: 16px; }
.lead-magnet-form label { display: block; font-size: 0.85rem; margin-bottom: 6px; color: var(--stone); }
.lead-magnet-download {
  display: block;
  margin-top: 18px;
  text-align: center;
  padding: 15px 20px;
  border-radius: 100px;
  background: var(--gold-light);
  color: var(--ink);
  font-weight: 600;
  font-size: 0.95rem;
  transition: background 0.2s ease;
}
.lead-magnet-download:hover { background: var(--gold); }

/* Shared field styling for the checklist form (the savings goal card reuses
   .quiz-input-row, which already styles its own inputs). */
.lead-magnet-form input {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--cream-dark);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  background: var(--cream);
  color: var(--ink);
}
.lead-magnet-form input:focus { outline: none; border-color: var(--gold); }

@media (max-width: 980px) {
  .value-strip-grid { grid-template-columns: repeat(2, 1fr); }
  .roadmap-track { grid-template-columns: repeat(4, 1fr); }
  .lead-magnet-inner { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .value-strip-grid { grid-template-columns: 1fr; }
  .roadmap-track { grid-template-columns: repeat(2, 1fr); }
  .savings-goal-card { padding: 26px; }
  .lead-magnet-card { padding: 26px; }
}

/* ===================== LIFESTYLE (55+ PAGE) ===================== */
.lifestyle { background: var(--white); }

.lifestyle-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.lifestyle-card {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.lifestyle-card img {
  width: 100%;
  height: 360px;
  object-fit: cover;
  display: block;
}

.lifestyle-caption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 22px 22px 20px;
  background: linear-gradient(to top, rgba(33, 29, 23, 0.78), rgba(33, 29, 23, 0));
}

.lifestyle-caption p {
  color: var(--white);
  font-size: 0.98rem;
  line-height: 1.45;
  font-weight: 500;
}

@media (max-width: 768px) {
  .lifestyle-grid { grid-template-columns: 1fr; }
  .lifestyle-card img { height: 280px; }
}

/* -- How It Works (5-step process, reverse mortgage page) -- */
.process .roadmap-track { grid-template-columns: repeat(5, 1fr); }

@media (max-width: 980px) {
  .process .roadmap-track { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 640px) {
  .process .roadmap-track { grid-template-columns: 1fr; }
}

/* -- Myths & Misconceptions (reverse mortgage page) -- */
.myths { background: var(--cream-dark); }